FISERV INC. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/11/2020	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	TX XXXXX	Web
https://www.fiserv.com/ - Pursuant to my previous complaint number filed through the CFPB I would like Fiserv to be aware of the following...When Fiserv acted in good faith and released those phone calls to XXXX XXXX...XXXX XXXX refused to give me a voice and no one at XXXX XXXX ever thought to ask if my son and I are doing ok...It was Fiserv who saw fit to ask us if we are ok through the voice of Mr. XXXX XXXX of Fiserv...Fiserv to their credit did give me a voice and I thank Fiserv for this...I would like Fiserv to be aware that I was not advised that those phone calls were released to XXXX XXXX which then set me up to fail as follows...Unlike Fiserv who gave me a voice...XXXX XXXX did not give me a voice...No one at XXXX XXXX upper level management tried to hear my voice...XXXX XXXX at XXXX XXXX was the only one decent enough to reach out to me to let me know what was going on...I am relating this to Fiserv as part of my experience report which was a direct result of those phone calls being released to XXXX XXXX...With Fiserv I acted in good faith to de escalate a situation that had already escalated more than I could have ever imagined...I thank Fiserv for giving me a voice and for seeing fit to offer me compensation through the voice of XXXX XXXX whose text messages indicating reasonable compensation be taken care of in my regard...Since then a series of events occurred that served to escalate this situation further and to add more stress to my already burdened life...On XX/XX/XXXX I entered a XXXX XXXX Branch on XXXX XXXX to seek assistance with faxing my pay stubs to social security XXXX to report my part time work earnings...I am submitting to Fiserv this detailed experience report on ways releasing phone calls can serve to further escalate an unpleasant situation and place unwary account holders in grave danger of serious harm...I know this was not Fiserv's intent that Fiserv was also acting in good faith...I appreciate and respect that...I would like my voice to be heard because voices like my voice are often systemically and categorically ignored...It is my hope that these complaints filed by one individual very small bank account holder will effect a much needed change in the way individual bank accounts are managed for potential fraud alerts and restrictions...This is my detailed experience report that could have placed me and my son in grave danger on XX/XX/XXXX...Had I said or done something untoward that day I could have faced more trouble and my small family could have been destroyed...Thank God I was already feeling very sorry and horrible and disgusted with myself for things I said under duress so much so that I simply retreated in shock shock horror and asked for the help of XXXX XXXX to ask someone at that XXXX XXXX Branch to help me to fax my pay stubs to the social security administration....This is my experience report with XXXX XXXX a direct result of those phone calls being released by Fiserv to XXXX XXXX an act that set me up for more potential grave harm at the XXXX XXXX XXXX XXXX Branch... At XXXX XXXX on XX/XX/XXXX I called XXXX at the XXXX XXXX XXXX XXXX Branch and asked XXXX to contact someone at the XXXX XXXX XXXX XXXX Branch...XXXX did this for me she spoke to XXXX who then behaved as described in my experience report...Also attached is a copy of the Fax Confirmation sheet as evidence that my pay stubs were faxed to Social Security XXXX a report I make on a regular basis...I was told by XXXX at XXXX XXXX that as long as this fax is related to money being deposited into XXXX XXXX that this is a service that is provided as courtesy to bank account holders like me...Attached is a screen shot of a voice mail I received later that day after XXXX from XXXX requesting a call back about a letter I will be receiving from XXXX XXXX asking that I close out my bank account... Pursuant to my experience report I ask that you read my detailed report on threatening body language that was used in my presence at a XXXX XXXX Branch.located at XXXX XXXX XXXX XXXX in XXXX Texas...I am providing both Fiserv and XXXX XXXX lots of feedback in my good faith effort to show you ways errors made by the banking industry can affect bank account holders...As a bank account holder with XXXX XXXX I feel that hostility can often be promoted and encouraged between bank account holders and banks...This was evidenced by the hostile body language used by women at XXXX XXXX the day I entered their large branch seeking help to fax my pay check stubs...I have been to XXXX countries I can speak XXXX than XXXX XXXX though only fluent in English I can get by in other XXXX...I am excellent at reading body language and I have a basic knowledge of knowing what to do and what not to do particularly when traveling in XXXX countries...I have been to XXXX and as a XXXX woman in a XXXX nation there are certain do's and certain do not's...For example no matter how aggressive a XXXX male is towards a XXXX woman it is vital that the XXXX woman never make direct eye contact with an aggressive XXXX male...For to make Direct Eye contact is a show of force and disrespect a force and disrespect that could render you XXXX in seconds...I experienced a situation with a young very aggressive XXXX I encountered in XXXX and by the grace of God I managed to stay safe and alive by avoiding eye contact and demonstrating my basic grasp of XXXX...First I want to focus on my experience at XXXX XXXX the larger Branch on XXXX XXXX...Body language is often studied by folks who work in the Banking Industry because these days it is vital to be able to read body language because by being able to do this it can save your life...This is the series of events in detail that happened at XXXX XXXX...While waiting outside of the bank for the Lobby to open...I was approached by a male customer in a truck I politely told him that the Lobby opens at XXXX XXXX and I also told him that drive through is open earlier if he wished to avail of drive through...Throughout the moments I am describing I was on a very long hold with a Federal Government Phone Call I needed to make which requires long hold times...As a result I was not very approachable as I was waiting on hold...A female employee of XXXX XXXX came up and gave me a warm smile and greeting which I appreciated and I also replied in kind just not as friendly as I normally would be because I was waiting on hold...I did not mean to be unfriendly I was simply distracted by the long wait time and hold music I was listening to...Shortly after this lady entered and she was very pleasant which I appreciate she told me that the lobby opens at XXXX XXXX to which I replied I know and thank you for telling me...Then a man who may be in management in banking wearing a very nice suit and a sharp matching face mask that complemented his suit --- I noticed that he has good taste in dress...He approached me as he also works at the Bank and again I pointed to my earbuds indicating that I was on hold...Now because I was on hold that man should have noticed this is what I was saying I also verbalized that I was on hold...He took the time to tell me about the drive through option which I thanked him for...I said that I am in need of more in depth help and he also said that the lobby opens at XXXX XXXX...Something I was already well aware of...I thanked him though and proceeded to focus on my hold time...I tell you this because this kind of behavior can seem very rude particularly when someone is on hold as I was...I already knew the lobby opened at XXXX XXXX so the conversation with that male employee did not need to happen... A polite wave and nod and good morning would have been enough...During my hold time I had an important incoming phone call I needed to field so at that point I had to hang up with the Federal Government to take this other call...A male was waiting in his vehicle for the lobby to open not bothering a soul and I was simply standing outside also waiting for the lobby to open...I tell you this because most people are decent and are just going about their business...Such as the male who waited in his vehicle who never once bothered me...I find folks are for the most part decent polite and considerate...I try to be the same...However, once the lobby opened and I entered XXXX XXXX the atmosphere had changed...No one approached me to offer me any kind of help whatsoever and the friendly greetings I received by the two friendly employees on their way in to work seemed to have evaporated into thin air in terms of the warm atmosphere...The atmosphere I encountered was a very tense atmosphere...At that moment I was not aware that Fiserv had released my phone calls to XXXX XXXX and that XXXX XXXX would later ask me to close out my bank account...I was like a lamb led to the slaughter I had no idea what was going on...When I approached the counter the women at the counter showed me by their body language that I was not welcome at XXXX XXXX...They turned their heads away from me and when I questioned them about speaking to a manager I was told there was no manager willing to speak to me...Though I witnessed a sharp dressed man enter the bank...I was told there was no manager in that day...Their body language did not match their speech so that when I was told there was no manager in that day I interpreted that as you are not Welcome here and no we will not let you speak to a manager...From the body language I received...I then asked the lady at the counter would she get someone who works at the bank to help me to fax my pay stubs to the social security administration...The woman I spoke turned her nose up at me and turned her head away from me in disgust as if I was a vile creature and asked the other woman behind the counter who stated that we do not help with that...I quickly realized that the atmosphere was now very tense and had I not already learned my valuable lesson about not allowing my emotional intensity to kick in so as to elevate me to an elevated emotional state whereby I could say things I sorely regret...I simply walked away from the counter to show by my body language that I was in retreat...That I was now retreating from this...It was when I was backing away that I phoned XXXX XXXX who then proceeded to call that bank...I told XXXX that I was walking away from the front desk and that I would wait in the lobby area on one of the large seats available to bank account holders and customers...XXXX did call the bank and spoke to XXXX and XXXX told me that XXXX agreed to help me and that XXXX was now looking for me in the lobby...I want XXXX and XXXX XXXX and all parties involved to know this...That when I entered XXXX XXXX XXXX was seated at her desk which was directly in front of me so that there was no way that XXXX could miss my presence...I was very easy to find...XXXX and other staff members never bothered to approach me to greet me or to welcome me as would normally happen...When XXXX told me that XXXX was looking for me I got up and proceeded to walk towards XXXX desk...XXXX was now approaching me and when she saw me she looked away and acted stupid like she did not know what she was doing or who she was looking for...I had to speak which was awkward for me but I spoke and I asked are you XXXX? She responded in a sheepish manner as if she did not want me to find her...Yes I am XXXX...I thanked XXXX XXXX very much on the phone and hung up...XXXX used sweeping gestures with her arms and motioned for me to sit down at her desk...I will describe XXXX body language in detail...Both of us were wearing our masks per XXXX guidelines...Before motioning in that sweeping gesture I described for me to sit at her desk...XXXX proceeded to pull out a pair of black plastic gloves the kind of gloves you would use to take out the trash...These black gloves reminded me of black garbage bags....XXXX proceeded to in a very theatrical manner to don those black plastic gloves and then with that sweeping gesture of her arms proceeded to motion for me to sit at her desk...XXXX then proceeded to type on her computer with those black gloves on which seemed very odd to me...When I told XXXX that I need help faxing my pay stubs to the social security administration XXXX said we do not help people like you we send people like you across the street...I was taken aback by this because XXXX had reassured me that I could go to any branch and get help with my pay stubs...I then called XXXX back and described to XXXX what my experience at XXXX XXXX was like that XXXX was being awful and acting very strange as were the staff I encountered behind the counter at the bank...XXXX was very apologetic about this and it was only after XXXX witnessed me speaking to XXXX describing XXXX bizarre awful behavior and body language did XXXX who is overweight and looks like she belongs in a library very much like a librarian type...XXXX gets up and sighs and says she will fax my pay stubs...I asked XXXX for a cover sheet sheet which XXXX then provided to me...I told XXXX that the way I am being treated is inhumane but that I have learned to keep my emotions out of it since this is never personal...I asked XXXX to make a copy of my pay stubs for faxing purposes as faxing them would be easier that way...XXXX sent the fax and when XXXX returned I asked XXXX would she please provide me with my confirmation sheet that the fax went through...XXXX body language was terrible...XXXX sighed and said confirmation sheet's take a while...I could tell by XXXX body language that she loathed my presence and simply did not want the bother of helping me that day...I replied XXXX l I know these confirmation sheets take time I will wait for my confirmation sheet...I then told XXXX in whose presence I did not feel comfortable at all...That I would wait over there and I pointed to a seat further away from XXXX...XXXX glared at me and in an angry hissing voice said oh! you can wait there alright...XXXX then proceeded to pull out a disinfectant spray and in theatrical fashion XXXX proceeded to spray the chair I was sitting on and wipe it down...I tell you this because XXXX has likely studied human behavior science and has likely participated in theater in her life...I would not be surprised if XXXX worked at a library at one time...XXXX is very calculating and very detailed...XXXX then proceeded to work without the black gloves this time because I was no longer in her immediate presence...It is vital I tell you this in detail...The black gloves sent me a threatening message that I am trash and that I will be discarded like trash and or potentially harmed...I felt under threat by those black gloves and the way that XXXX and the staff behaved...I felt terrified by this I was terrified and that is a form of terror that goes on in the banking industry...While waiting for my confirmation receipt XXXX completely ignored me it was as if I no longer existed...An employee walked past me and I politely asked her if she would be so kind as to check for a confirmation receipt for Ms. XXXX XXXX...She obliged and obtained that for me...XXXX was ignoring me the whole time...XXXX then approached me once I had obtained the confirmation receipt...XXXX refused to afford me the proper social distancing that we all need to be doing these days and XXXX got in my face and proceeded to thumb through my pay stubs without the black gloves this time with her bare hands to show me the copies she had made were there...XXXX by her body language over stepped her boundaries with me...XXXX then proceeded to in a very glowering and threatening manner to state that she would walk me to the door because as XXXX stated..."I do not want you walking around the building"...I replied there was no reason for me to do such a thing...At no point did I ever threaten a soul that day...XXXX proceeded to speak to me in a very threatening manner which would be described as covert threatening speech and covert threatening body language...XXXX then stated that she had loved ones die from the XXXX to which my response was that I am sorry for your losses...When XXXX walked me to the door she stood too close to my body and was breathing down my neck...XXXX was not concerned that she was putting me out into the pouring rain...XXXX seemed to enjoy doing this to me and XXXX said "there's the door go on out into the pouring rain"...I tell you this was my experience that day at XXXX XXXX...XXXX who lost loved ones to XXXX used threatening body language and soft hissing speech by violating the social distancing boundaries you will see XXXX actions on your CCTV cameras at that branch...XXXX sent me the nonverbal message that she hopes that I get the Covd-19 virus and die...I tell you this is how I felt that day...That XXXX had zero concern for my well being and that XXXX told me she knows of loved ones who died from the XXXX and as such XXXX then breathes down my neck stands to close to my person thus ignoring the XXXX social distancing guidelines which puts XXXX in direct violation of XXXX guidelines which appears to have been done on purpose with intent to terrorize me...Intent to terrorize me can be established by XXXX use of black gloves and XXXX subsequent failure to use the same black gloves when thumbing through my pay stubs and the copies and by standing too close to my person when walking me out the door and by stating that she has loved ones who died from XXXX...That was perceived by me as an act of terror that XXXX was hoping that I would get XXXX and drop dead...Though XXXX never said this XXXX behaved in a manner that suggests this...The staff at XXXX XXXX were most certainly very hostile towards me by their body language...I ask that Fiserv review this experience report and that XXXX XXXX also review this detailed experience report...I apologize for any typographical errors you may find...I can establish that due to errors made on my bank card via excessive fraud alerts that triggered excessive restrictions on my bank card that triggered a bank account holder's bank card rendered useless not fit for purpose that then resulted in the series of unfortunate events that took place...That has reduced me to tears many times and filled me with terror and added to the stress I am already experiencing...I ask that you take my details into account...I can tell you also that a woman who works at XXXX XXXX at the XXXX XXXX XXXX Branch not sure if her name is XXXX or not...She helped me to fax my pay stubs also in the past but was reluctant to do so and was extremely rude about doing it...That woman proceeded to explain unnecessary policies and procedures to me...I told her that her speech was not needed that this is a basic service provided to account holders...She did refuse to help me with another small request as that request was not related to the bank which I accepted and respected...I tell you this because many today not just myself feel that the banking industry is very hostile towards bank account holders and bank card users...That the banking industry would chew little people like me up and spit us out with no conscience care or concern...XXXX is in direct violation of XXXX guidelines which is very serious...XXXX or whomever it was that gave me excessive details about policies and procedures should be trained in manners...Many today could use some basic training in manners and common decency which is lost on the banking industry these days...It is my sincere hope that you will find this detailed report helpful and that you will speak to XXXX about this and to XXXX or whomever it was that helped me in the past at the XXXX Branch about ways reciting policies and procedures can be an abuse if not necessary and extremely rude when dealing with bank account holders. Respectfully Submitted by Ms. XXXX XXXX XXXX
08/09/2022	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting a working replacement card	CA 90019	Web	Older American
XXXX Re : XXXX XXXX XXXX Money Network My name is XXXX XXXX XXXX, also known as XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX and I am filing this complaint against Money Network also known as XXXX Bank. I am XXXX years old. I have never been arrested. I do receive social security ( {$2000.00} ) every month and I also work because I have to in order to cover my overhead and expenses. In XXXX of XXXX a stimulus check of {$1400.00} was sent out to XXXX XXXX XXXX and I never received mine. I reported the missing check to the IRS in XXXX and they put a trace on it but no information was ever given to me. No communication about the missing check from the IRS. My daughter was also sent a {$600.00} stimulus check in the form of a debit card in XXXX of XXXX, which she never received and had no knowledge that it was sent. We both live at the same address XXXX XXXX XXXX, XXXX XXXX CA. XXXX. XX/XX/XXXX my daughter and I spoke to an IRS agent by the name of Mullillins # XXXX who told us both that we had to call XXXX Bank XXXX Money Network about debit cards that were sent to us and that the IRS could not help us. Since Im not great with technology and VERY hard of hearing, I left it to my daughter to call XXXX Bank / Money Network. It took her a couple of months to figure out how to get through to speak to an actual person. She had to contact their support on their website and they sent her instructions. Actual Instructions : IF YOU DONT HAVE CARD call XXXX XXXX XXXX to speak to a live rep : choose a language, option 2 for lost or stolen, option 1 for card received ( even if you did not receive a card ), last 6 of your social, zip code, option 1 for does not require a replacement ( do not select option 2 as that will generate a card to an old address ) then it will say please hold the line for next available agent. Before my daughter received an email with these instructions from their support, she would call the number click on customer service and then a recording would come on thanking her for calling money network and disconnect the call. At any rate, we finally got through in XX/XX/XXXX and my daughter and I both learned from money network customer rep. that my daughters card was taken to a Bank XXXX XXXX in XXXX XXXX XXXX to their ATM and the entire {$600.00} was taken off the card. My card was also stolen but the thief used the card to go to XXXX XXXX XXXX XXXX, pay on a storage unit, bought gas at XXXX, another restaurant, I think it was XXXX XXXX and XXXX, and I think that was all of the transactions. Then they took the rest of the balance off the card in cash. I NEVER received the card thus NONE of those transactions were mine. Even though I told Money Network this several times over the phone, emailed their paperwork back to them with my statement that I DID NOT receive the card and NONE of the transactions were mine, I had to say this over and over and over. My case # with money network / XXXX bank is : Case ID : XXXX AND..VERY IMPORTANT, when money network initially took my information over the phone and then told both my daughter and I that we would receive paperwork to file our dispute ( that we never received the cards ) we did receive their paperwork by that Saturday INCLUDING A SEPARATE LETTER THAT SAID THEY WERE REJECTING OUR CLAIM. And we hadnt sent the paperwork back yet! My daughter called them immediately to ask what was going on. They apologized and said that the same thing had happened to many other people as well. That we were NOT the only ones. That the agent ( XXXX XXXX did NOT put in any details of the information we told her and thats why it was rejected. We still sent in our paperwork and they told us to wait 4- weeks and my daughter called in XXXX and both claims were rejected again. We sent in our statements again via email and asked that they be looked at again. XXXX we spoke to a customer repXXXX XXXX who told us our claim was denied again. My daughter read XXXX our statements and she could not understand why our claims would be rejected and went to her supervisor who opened both claims up again. And again we had to wait because of their mandatory waiting period of 4-8 weeks. My daughter checked back on XXXX XXXX and was told both had been rejected again. She insisted that she speak to someone in the their escalation department. She was on hold for several mins. And spoke to XXXX in escalations that suggested we file a police report. Where we live in XXXX XXXX our police station is located on XXXX XXXX not far from us but it had been partially closed down for several months because of the pandemic. But we went to the police department, found that they were in full operation again and filed two reports. One on XXXX and another XXXX for mail theft. One report XXXX included both of us for {$2000.00} my daughter for {$600.00} and myself for {$1400.00}. I also filed a separate report for myself for the {$1400.00}. We sent both police reports to money network / XXXX bank. I am happy to send you copies of the police reports. The police officer told us that someone from the money network / XXXX bank would call to confirm our information on the report. To our knowledge no one called the police department. Also important to note that the XXXX XXXX police department confirmed to us that there had been millions of dollars in mail theft in XXXX XXXX and they werent surprised at all that our debit cards hadnt reached their destinations to our address. At any rate my daughter had sent in very detailed statements with time lines and had insisted in talking to the head of the escalation department but could never get that person on the phone. But they sent her a letter and a check admitting there was a mistake made and she got her {$600.00}. But with my case they have still rejected it. My daughter called again on my behalf XXXX and spoke to a man named XXXX in the escalations department and he was very nice and genuinely surprised that : 1 ) my daughter and I live in the same address / apartment 2 ) her card was sent XX/XX/XXXX and mine was sent around XXXX / XX/XX/XXXX and both cards were never received by either of us. XXXX ) XXXX bank had finally approved my daughters claim and sent her the missing {$600.00} but would not approve my claim. XXXX in escalations recommended that my case be re-opened and approved and my daughter was told to call back 4-8 weeks. My daughter did call back a week later to check the status and again spoke to XXXX XXXX the first agent we had spoken to in XX/XX/XXXX who, we were told, did not enter any of the information that we had told her over the phone initially on our first claim thus why our first claim was rejected ) Well XXXX has now been moved to escalations and she was very terse with my daughter and told her to call back in 4-8 weeks. My daughter had a bad feeling and called couple days later and spoke to a customer rep. that confirmed that my case had been rejected again. WHY? My daughter has since called again and again and asked to speak to escalations and head of escalations again to only be placed on hold for three ( 3 ) hours and 45 mins before the call was dropped. That leads us to now. Here Today. I am filing this complaint because I believe XXXX / money network is a XXXX corp. that does what ever they can to NOT pay people the money that is due to them. They say on their paperwork that they will give you a reason why your claimed was denied but they never have. We gave them ALL of the information we have. We cant track down the ring of criminals that committed mail fraud. And it cant be a case of not proving our identities because every time you speak to an agent in customer service AND escalations they can not look at your file and discuss it without you going through a security check where they ask you 3-4 questions provided by the IRS and you have to pass those security questions. My daughter and I have done this security check with them now many many many times and we have ALWAYS passed the security tests. So.. What do I do? Like I said.. Im XXXX years old and Im still working because I have to and I could really use the {$1400.00} stimulus money that I never received, that was stolen from me twice. Once from the crook her stole the actual debit card and twice from XXXX bank / money network for rejecting my legitimate claim and stealing my money a second time. If you have any questions please feel free to reach me directly at XXXX XXXX XXXX. I am VERY hard of hearing so my daughter XXXX XXXX can also speak to you and answer any questions her number XXXX XXXX XXXX. I have laid out everything in this statement letter. If you would also like to see the statements that I sent Money network / XXXX bank including police reports please advise. I will send to you ASAP. Money networkXXXX bank has ALL of my statements and copies of both police reports. When my daughter called in to check status on my case she also confirmed with their agents that the emails with statements and police reports had been received by them. Also for sake of brevity, I did not include my statements to XXXX XXXX money network because my statement here is exactly what I sent them. See below. I did NOT receive a debit card. None of those transactions are mine. It is obvious that the card was stolen. My daughter lives with me and her debit card for {$600.00} never made it to our address either. Here are the police reports for mail/ID theft. I repeat .. NONE of those transactions are mine. I never received that debit card. What else can I say? Thank you so much for your time and help with this situation. It means so much to me. Please feel free to publish this on your site if you think it will help others. Thank you again, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
12/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35235	Web
This complaint is against ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al and the CEOs/Presidents and or Acting CEOs/Presidents and or Successors, Assigns, Agents, and Representatives. We are FEDERALLY PROTECTED CONSULMERS. Our credits report ( s ) AND file ( s ) have erroneous reporting from ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al . We have been advised that CREDIT REPORTING is a form of collection strategy and we DEMAND that ALL credit reporting CEASE IMMEDIATELY, ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al and acting CEOs/Presidents , et al are in direct violation of 15 USC 1692 e ( 8 ). We never received an initial communication from ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al , which means they are in direct violation of 15 USC 1692 G ) ( b ). We have NO CONTRACTS, AGREEMENTS, NO ACCOUNTS, NOR BUSINESS RELATIONSHIP and or AFFILIATIONS or PARTNERSHIPS, etc. with ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al ; NOR DO WE WANT ( DO NOT WANT ) TO CONTRACT AND OR CONSENT WITH ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al , or their BUSINESS RELATIONSHIPS and or AFFILIATIONS or PARTNERSHIPS ; nor any of the corporate names they hide behind, nor do I want to contract with ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus, et al. We are not a consumer of ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al and never was . We are not a customer nor patron ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al nor have we ever been . We do not want to enter in to any binding contracts, agreements, or consents with ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al . We never consented nor gave express permission in any form to ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al to use or be in possession of any of our NON-PUBLIC PRIVATE/PERSONAL INDENTIFYING SOURCE DATA AND INFORMATION. This is a clear VIOLATION OF THE GRAMM-LEECH-BLILEY ACT. To be very clear, we DO NOT accept ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al offers to contract . We DO NOT consent to ANY non-affiliated third-party ( ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al ) to be in possession of of our NON-PUBLIC PERSONAL AND PRIVATE INFORMATION. ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al has violated and is violating the laws and regulations pursuant to 15 USC 1692 and violating our rights since the very first time they received and came into possession of my non-public private and personal information, since the year XXXX - XXXX and XXXX to present day. Due to the nature of these multiple illegal and unlawful violations against us, ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al , we are DEMANDING {$11000.00} PER VIOLATION FOR EVERY MONTH AND YEAR IN VIOLATION. XXXX XXXX XXXX XXXX XXXX al XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has/is caused/causing financial hardships, health ailments, financial losses, emotional stress, mental distress, many missed nights of sleep, loss of credit opportunities to purchase consumer goods and services, etc. By us BEING DENIED CREDIT due to derogatory INTENTIONALLY FALSE INFORMATION with the consumer reporting agencies/Credit Reporting Agencies or other consumer reporting companies/agencies. I HAVE NO CONTRACT CONTRACT WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus, et al BE IT KNOWN NOW AND FOREVER , this is NOTICE TO ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus XXXX et al ; CEASE AND DECIST ALL UNLAWFUL AND ILLEGAL ACTIVITIES IMMEDIATELY. THIS IS NOT A REQUEST. THIS IS A LAWFUL DEMAND. THIS IS ALSO NOT A REQUEST FOR VERIFICATION, VALIDATION or ANY OTHER FORM OF REQUEST. THIS IS A NOTICE OF BOGUST DEBT. The matter has NOW BECOME VERY CLEAR that ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al disseminated , stored , warehoused obtained , etc./PAID FOR our NON-PUBLIC PRIVATE PERSONAL INFORMATION WITHOUT OUR LEGAL AND LAWFUL EXPRESS P RIOR WRITTEN AUTHORIZATION and this constitutes AGGRAVATED IDENTITY THEFT pursuant to 18 USC 1028 A. ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al shall also know that in the XXXX XXXX XXXX Plaintiff , vs. DIEM CORPORATION, No . CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that REPORTING AN ( ALLEGED ) COLLECTION ACCOUNT ON A CREDIT REPORT IS INDEED considered COLLECTION ACTIVITY. This complaint also applies and includes all other consumer credit reporting/consumer reporting, public reporting, and data mining companies. The following companies but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \| VIP Preferred ; ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al .
05/25/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 956XX	Web	Servicemember
On XX/XX/23, I shopped at XXXX 's Feed in XXXX XXXX, CA. At the register, I had a gift card and I asked if I could pay the balance with my personal check and the answer was yes to both. As I handed the gift to the cashier and then a check, I was given a registered receipt as to the payments and that it stated clearly the {$50.00} gift card and a check written for XXXX. Before completion of this transaction, the cashier went to the Telecheck approval device to get approval for the check. The cashier entered the full amount of my transaction of {$110.00}, and Telecheck approved my check even though the cashier entered the wrong amount. I was not aware of what she did, but my gift card of {$50.00} was pocketed by the cashier. I left for home and I was NOT aware of what had just happened to me. But when balancing my checking book a week later, that check I used at XXXX 's Feed, my checking account had a withdrawal of the full amount of my purchase of {$110.00}, when the check was clearly written for {$60.00}. Of course, I went to my bank, and a Written Statement of Unauthorized Debit ( ACH ) was completed. The amount of {$110.00} was deposited back into my account, but I KNEW I owed the balance of {$60.00} to XXXX 's Feed. I then get a collection letter from Telecheck/TRS Recovery Services for the amount of {$110.00}, as XXXX 's XXXX sent me to collections. I was extremely upset because of this, as I was cheated out of my {$50.00} gift card, I had in good faith paid the balance I owed XXXX 's Feed at the time of my transition, and now they send me to collections. What's wrong with this world today? Does no XXXX call to talk? No one works together to resolve a problem. I drove down to XXXX 's Feed and I had gathered together all my documents. Clearly, this was their fault, not mine but I want to pay what I owed. XXXX 's Feed 's management met me at the register counter and I shared ALL my documents. At first, they refused to be involved at all and if I didn't make them be involved I was going to end up paying for something I didn't owe for. XXXX 's Feed made copies of my paperwork and said it would take a week as they needed to go back into their database. I wasn't happy about this because, I wanted to pay them the balance I owed, for them to clear this with Telecheck and clear my good name. What happened next I was NOT prepared for. I called XXXX 's Feed a week later, as they hadn't contacted me. I was told, they had explained this to Telecheck, and I should wait for a letter from Telecheck, which I NEVER got. ( XX/XX/23 ). But now whenever I used my personal check to shop at my local retail stores, my checks were not processing at all. We have had our checking accounts for 20 years, and we have NEVER had any issues ( writing checks for nearly 50 years ). It was embarrassing, and humiliating as you stay at the checkout, with long lines of people behind you, and as there were lots of funds in our checking accounts ( {$10000.00} ), our checks like always before should have gone through without issues. We never wrote checks for anything if we did not have monies in our checking accounts. I would finally get a receipt from the cashier with a reference number and call Telecheck. I would call Telecechk, provide them with the reference number, I would be on the phone for nearly 40 minutes. I would ask why the check was declined, and I would NOT get an answer, but I had to answer lots of questions. When I did get a response to my question as to why, I would be told our information had to be updated. Then the representative tells me I can go back in to use a check and it would be approved. What's the point, I either left stuff at the register or used a credit card which do not like to do. My husband & I were abused by Telecheck. This went on each time I went about our normal lives, shopping and paying by check, as this harassment was at least once if not twice a week or twice in one day. In one call I made to Telecheck the representative asked to put me on hold so she could talk to her manager. I guess so, but at that moment, my husband 's phone rang as he was in the room with me because I was crying, and it was the SAME representative who called my husband to ask him if I had his PERMISSION to write checks! What! I was floored. She got back on the phone with me to say everything was alright and we could use our checks as they would approve them. I then asked her this manager she called, it was my husband because he had it on speaker phone and it was her. She refused to answer our question but told me our checks are good, no problem. Why is Telecheck not being regulated? Why are they allowed to harass, and use unethical tactics, such as calling my husband, yet, importantly, as this has been ongoing for the last 3 months, several of these calls, the representative ( XXXX ) did tell us that they CAN FREEZE our checking account and they did. My husband was on the team for XXXX XXXX fraud/development and shot right back to them, that Telecheck CAN NOT freeze our checking accounts as they have no authority to do so. This has caused me emotional distress as now I panicked when I went shopping and did stop shopping for several weeks. The last call was made to Telecheck after I tried to use our personal check, I left the items at the register, and my husband walked me out of the store, but I sat in the car asking him not to drive and I called Telecheck. This was another 40-minute call, but now I learned that besides that declined our check, and told the account was locked, and I was NOT to write any more checks. This is abuse. The representative told me I was in collections and I owed XXXX 's Feed {$60.00} and until I pay this amount, I can not use our personal checks ( XX/XX/23 ). That destroyed me as now this has been two months and entering into XXXX, Telecheck has a chokehold on us. I called XXXX XX/XX/23 to finally pay the amount that I had originally paid back on XX/XX/23. The representative again told me, XXXX 's Feed had put me in collections because I owed them {$60.00}, yes, I had paid this back on XX/XX/23, but their cashier, which I didn't realize had taken my gift card of {$50.00}, and did enter the full amount of purchase which I feel as stealing from me but from the store as well. I was told not to use any checks for at least a week until Telecheck completed this debt I owed to XXXX 's Feed. My husband & I are elderly, we in our lives had always used checks to pay when shopping or our bills. Back in the day, shop owners were approachable, or at least they wanted you to be their customer and would help you when there were issues with products or payments. I guess nowadays, business owners don't care, and for the last 4 months now going on now for 5 months, we are flabbergasted, as Telecheck can do whatever they want to those who are caught up in collections, threaten you, freeze your checking account ( where our social security checks go to ), making it difficult, calling your husband as if he's Telecheck management. I now suffer emotional distress, and some sleepless nights as each time we call Telecheck, it's repeats of answering the same questions, nothing makes any sense and we can write a check, maybe write another to another store, and be declined once again. My husband & I CAN NOT cope with this any further as we are good people, but freezing our checking, preventing us from our daily lives is wrong.
06/27/2023	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	CA 90503	Web
Dear Consumer Financial Protection Bureau Representative, Last year, the state of California, through their Franchise Tax Board ( " FTB '' ) issued payments to most citizens called the Middle Class Tax Rebate, aka MCTR, which was essentially a one time payment of up to {$1500.00} to help off set inflation and the high cost of gas/fuel in California. Payments were issued in XXXX of last year ( XXXX ) via debit cards through a company called Money Network. Long story short, I never received the payment but in XXXX of this year I received a Form 1099 that showed I had been issued a MCTR payment of {$750.00} ( via the debit card I never received ). It should be further noted that I qualified to have the funds directed deposited to the account associated with my previous tax returns but for some reason, FTB and/or Money Netowrk decided it was safer to throw an untracked debit card in the mail then to safely issue the funds via direct deposit. Anyway, I initially contacted the State of California FTB after receiving the Form 1099 to report I did not receive the one time payment and was referred to contact Money Network XXXXXXXX XXXX, the financial company, who issued the debits cards. However as described below, it appears their affiliate company, Fiserv Financial was also involved in the issuance of these debit cards. When I contacted Money Network, I informed the rep, who initially portrayed she worked for the state of California 's MCTR program-and not a private company, that I never received the debit card and only I had known a debit card was issued b/c I received the Form 1099. I was told that a dispute would be generated and I would receive notification within 30 days as to how the payment would be re-issued to me since I never received the debit card. The case reference no. assigned was XXXX. Of course, I never received a call back or a letter or an email or any correspondence at all, so I called again on XXXXover 4 months after the first call-and 9 months after the payment was supposed to be issued to me according to the state of California. I was told the investigation had taken much longer than expected because there was so much reported fraud from so many other California residents who had reported the same situation. I was also told that XXXX, the affiliated financial company had denied my claim initial claim made in XXXX because a PIN No. had been and the card had been drained?? Duh-that 's what identify theft criminals do, the steal the cards or info to use the funds by draining the cards..And again I NEVER ACTUALLY RECEIVED THE CARD. I could see if I lost the card or something happened to the card itself after I received it or the account information was stolen from me or I didn't safeguard the information after I received it but the card was never delivered to my house. I have no account details at all whatsoever. When I asked what the next step would be, Money network told me dispute the charges on the card BUT I don't know what the charges are since I never had access to the card or the account. When I asked for more specific information regarding the debit card I never received, I was told by Money Network that they had no information as when the card would have or should have been received or any confirmation at all that I ever received the card. In fact, the Money Network Rep said her agency received hundreds and hundreds of calls a day reporting that other MCTR cards were never received by other citizens who qualified or that the cards were drained so they could be used by the lawful recipients and that many would-be recipients aren't aware of the fraud until they received the Form 1099 's as I did. The Rep further stated that the debit cards were not tracked in ANY way and they could NOT provide ANY confirmation that the card was actually delivered to me... but that I was responsible for the card not getting delivered to my residence. According to countless news stories I researched about others who did not received the payments and only received the Form 1099, these debit cards were stolen in bulk by organized crime and the fraud was wide spread and systematic and the debit cards did not include sufficient or adequate security features. I also know so many other people this also happened to that live in my area. The envelopes were shown on the news so every Mail Theft and ID Theft criminal knew these envelopes contained the debit cards when they were mailed out last XXXX. This was a systemic issue created by Money Network for distributing billions on payment cards by tossing them in the mail on hopes they will be delivered. That is the issuer 's incompetence-Money Network, not the recipient who never receives the card. Given that thousands of other cards were stolen out of the mail and fraudulently used it obviously was not very difficult for criminal to use these cards. Any safeguards, which are the responsibility of the issuing agency, were obviously not sufficient or effective. Any botched distribution program by California and it's contact companies. It should also be noted I was never notified of the fraudulent use of my card or that my card had been compromised and even after I reported the card was not received and therefore stolen, I was never offered a credit protection plan and Money Network is the company the allowed my information to be stolen by sending a debit card to me without any tracking or delivery confirmation to ensure it was actually delivered to me. Money Networks can't even tell me the approximate date of when I should have received the card. Even now, I do not know the extent that my identity may have been compromised as Money Network has not told what information was mailed with debit cards or how criminals may have exploited my identify or personal information. The burden is on the sender ( Money Network and affiliate Fiserv, not the recipient ). I subsequently emailed my additional dispute to XXXX as instructed by the Money Network Rep I spoke to on XX/XX/XXXX and never received ANY response back or even a confirmation that my dispute was received. Money Network will not take responsibility.to this happening to me and thousands of others. OBVIOUSLY any security features were completely ineffective and that is why so many were stolen and used by criminals. I also asked for Rep to call me back from their " escalation desk '' and in a recorded call, they ensured me a Rep would call me back in 24-48 hours. Of course no one ever did..further evidence of incompetence and indifference. I would also recommend your agency issue a records request to Money Network and California 's FTB regarding the MCTR program so you can see how many thousands of other debit cards were drained by criminals or not received by qualified residents who counted on this payment, but never received it. Although, I sent a second dispute as referenced above but I'm still confused by what I am even disputing? I never received the debit card so I never had account access to know what charges were put on the card to be disputed. Until the card is in my possession, I'm not responsible for it. My debit card was one of many thousands that never made it to the destination. Please contact Money Network and their affiliate company Fiserv and tell them ( again ) to resolve this issue as I never received the debit card. XXXX XXXX ( XXXX ) ( XXXX ) XXXX Reference : XXXX
05/15/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	OH 43017	Web
XXXX XXXX XXXX Bank Card stolen from my wallet while in police custody and used without my authorization Bank card used for several unauthorized transactions at businesses for purchases, as well as for ATM withdrawals from account, between evening of XXXX XXXX XXXX through afternoon of XXXX XXXX XXXX Total of unauthorized transactions from account: XXXX XXXX XXXX XXXX Released from jail this afternoon Recovered wallet Noticed upon return to my home that my bank card had been stolen from my wallet Logged onto XXXX XXXXXXXX app and noticed that my card had been used for multiple transactions and ATM withdrawals Contacted XXXX XXXX Card Holder Services to report card stolen and to report all fraudulent charges from account, as well as made them aware of the circumstances regarding my card being stolen and my having been arrested and having no access to my wallet, which had been left behind at the residence I was arrested at Told by representative that card had been deactivated and reported to company as stolen, and that they would be sending a Customer Dispute Form to my home address for me to verify and acknowledge all unauthorized transactions to account Was told by representative that no police report was needed XXXX XXXX XXXX New card mailed by company Customer dispute form mailed by company Letter sent out by company indicating that dispute case had already been denied by company Reasoning for denial of dispute case investigation listed as inconsistent/conflicting information Dispute Case Identification Number assigned to dispute case by company: XXXX XXXX XXXX XXXX Customer Dispute Form faxed to XXXX XXXX Letter also faxed to XXXX XXXX with corrections of unauthorized transactions not included on Dispute Form, as well as correcting the last digits of stolen card number Faxed in a page from court documents showing date of arrest and date of release XXXX XXXX XXXX Contacted XXXX XXXX Customer Service to check status of dispute case Told by customer service representative that paperwork had been received on XXXX XXXX XXXX and that dispute case was being investigated XXXX XXXX XXXX Contacted XXXX XXXX to check status of dispute case Told by representative that the dispute had been denied on XXXX XXXX XXXX Told that dispute case investigation had not been reopened Told by representative that I needed to send in a Letter of Appeal to have them reconsider reopening dispute case investigation Letter Of Appeal sent to company via Email: XXXX XXXX XXXX XXXX Contacted XXXX XXXX to check status of dispute Told by representative that dispute case had not been reopened and that dispute was being denied Told by representative that reopening of dispute case was being denied due to no new information or documentation being sent in to company Asked representative what information or supporting documentation was needed or required to be sent in to company Was not told about or given a list of any specific information or documentation that was needed or required by company When asking about information or documentation needed by company, was strictly told repeatedly by representative that they had not received any new information or necessary supporting documentation for the dispute case XXXX XXXX XXXX Obtained copy of personal Booking History Report from the XXXX XXXX Sheriffs Office XXXX XXXX XXXX Submitted and filed police report with XXXX Police Department regarding stolen card XXXX XXXX XXXX Received copy of Summary Incident Report from XXXX Police Department via email Police Report Number: XXXX Second Letter of Appeal written and sent via email to XXXX XXXX Copy of Police Report and Booking History Report sent via email to XXXX XXXX Copy of all previously sent paperwork send to XXXX XXXX via email XXXX XXXX XXXX Contacted XXXX XXXX XXXXo check status of dispute case Told by representative that dispute case had been denied and had not been reopened Asked representative what was causing the denial of reopening dispute case Told by representative that they had not received and new information or any supporting documentation to support my claim Asked representative what new information or what supporting documentation I needed to send in to support my dispute case Told by representative strictly and repeatedly that they had not received any new information or supporting documentation from me to support my dispute claim, and I was not given any information or list of supporting documentation that the company needed XXXX XXXX XXXX Contacted XXXX XXXX to check status of dispute case Told by representative XXXX that my Letter of Appeal had been received on XXXX XXXX XXXX, and that my Customer Dispute Form was being reviewed by the Dispute Department Asked representative if I could speak with someone in the dispute department directly Told by representative that they had no way of contacting the dispute department directly, and that there was no direct phone number to the dispute department that they could give to me or that they could transfer me to Representative offered to connect me to a supervisor that was able to be reached by connecting me directly Asked to be transferred to supervisor Representative transferred me to a recording stating that due to an emergency there was no one available to take my call or to speak with me, and call was then disconnected XXXX XXXX XXXX Contacted XXXX XXXX to check status of dispute case Told by representative that only update in information was regarding dispute case was that my Letter of Appeal had been received, and that my dispute case was waiting to be reviewed by the dispute department Told by representative that the decision to reopen my dispute case would be decided between 45-90 business days from the date that my last Letter of Appeal was received by XXXX XXXX XXXX XXXX XXXX Contacted XXXX XXXX to check status of dispute case Told by representative XXXX that my dispute case being reopened had been denied Asked representative about reasoning for denial Told by representative that my dispute case had been denied on XXXX XXXX XXXX, and had not been reconsidered for reopening of the dispute investigation Told by representative that my best course of action would be to send in a Letter of Appeal to the company, as well as any supporting documentation or information to support my claim Informed representative of all information and documentation that had already been sent in to company and dispute department, and asked for a list of supporting documentation that was needed or required by company to be sent in to support dispute claim Told by representative that they did not have a list of any supporting information or documentation that was required by company Ended call and called phone number listed on original letter of denial from XXXX XXXX, which included a direct extension line number Dispute Operations Department XXXX ext. XXXX Unable to dial extension and immediately redirected to XXXX XXXX Card Holder Services Customer Service Line after dialing phone number on original letter of denial of dispute claim
07/15/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	FL 32818	Web
I tried to resolve this issue where I went to XXXX to send my mortgage company a payment due no later than XXXX XXXX and paid to have this money transfer completed with that stipulation. My receipt also showed the money transfer would be sent to my mortgage company " no later than XX/XX/XXXX. '' However, they did not send the money transfer until XX/XX/XXXX, causing my mortgage to lapse into a pre-foreclosure status since the agreement was to always make the payment " no later than the XXXX '' of the month. If I would have known the contract with XXXX and CheckfreePay to pay " no later than XX/XX/XXXX, '' I would have used a different method to send the money. However, I was assured that it would not be a problem since my receipt also showed that date. See below where XXXX refused to see they made an error in providing such receipt where their vendor did not keep that date. Complaint Details My mortgage company required that I send in the mortgage no later than XX/XX/XXXX. I asked the cashier for a XXXX for same day. She said the amount was {$1.00}. I said isn't it normally about {$10.00}. She said no, that it would be {$1.00}. Instead after I realized they were checkfreepay, and my receipt also stated CheckFreePay I called them to be sure my payment would be sent to my mortgage company on XX/XX/XXXX. The receipt did show it would deliver the amount " no later than XX/XX/XXXX. '' However, Checkfree did not deliver the amount on XX/XX/XXXX causing my mortgage company to request all three months due which is an additional {$3300.00} and am requesting CheckFreePay or XXXX to pay that additional amount for breaking their contract with me.. It was detrimental that both XXXX and CheckFreePay keep the agreement that was shown on their receipt of XX/XX/XXXX. However, it is now XX/XX/XXXX and CheckFreePay still has not delivered the payment to the company and requesting any additional amount be provided by CheckFreePay and/or XXXX for not making the payment as their receipt indicated which is a contract to do so. XXXX thinks a late fee of {$49.00} would help but it won't because my mortgage company expected the money on XX/XX/XXXX and no later to keep my account out of default. I trusted XXXX and XXXX to keep the date of XX/XX/XXXX and now I am to suffer for it. Desired Outcome/Settlement Desired Settlement : Refund None Provided From the Consumer on Friday, XX/XX/XXXX Complaint : XXXX I am rejecting this response because : XXXX and CheckFreePay refuse to look at the receipt where they promised to pay no later than the XXXX of XXXX. I was pretty it would be paid that date and my receipt shows that! They caused me adverse effects where I had to get the rest of past due to avoid foreclosure. If my receipts show my mortgage money would have been paid after that date, I wouldnt have used these methods. They keep skipping that fact!!! I will also report them to the Consumer Financial Protection Bureau. The readon my husband XXXX XXXX ( not XXXX XXXX returned is to pay the balance. He asked for XXXX not checkfreepay but XXXX doesnt tell you which one youre using. They did it that time because of everything that had happened. However, the second time was to fix the fact the my payment was not completed on the XXXX as XXXX receipt showed it would have been. Stop adding irrelevant information and trying to blame the victim, us, because the payment was not received per the date on your receipt. You cant give a receipt with a specific date and change it at will. That receipt was a contract you should have kept to pay no later than the XXXX as YOUR receipt showed. Sincerely, XXXX XXXX From the Business on Wednesday, XX/XX/XXXX XXXX received XXXX XXXX XXXX rebuttal arising from her original XXXX XXXX XXXX complaint. We regret that we were unable to provide a satisfactory resolution to her concern and appreciate her additional feedback. Per the transaction and contact history, XXXX XXXX XXXX did get record of the transaction and aware that the payment went through CFP. XXXX XXXX will need to contact XXXX directly regarding her concern. At this time, our response remains unchanged and XXXX considers this matter closed. If either of you have any further questions or comments, please feel free to contact us. Sincerely, XXXX XXXX From the Consumer on Wednesday, XX/XX/XXXX Complaint : XXXX I am rejecting this response because XXXX and XXXX refuse to take accountability for their mishap. Further escalation will be made through other avenues. Sincerely, XXXX XXXX From the Business on Friday, XX/XX/XXXX XXXX received a XXXX XXXX XXXX complaint from XXXX XXXX XXXX regarding her recent contact. We thank you for the opportunity to address XXXX XXXX concerns and appreciate the time she has taken to provide us. After XXXX received XXXX XXXX, we reviewed her account and order history. XXXX XXXX sent her mortgage payment via XXXX and processed through CheckFree. Per the customer, she was not aware the payment was processed through CheckFree. As a result, Checkfree did not deliver the amount on XX/XX/XXXX causing her mortgage company to request all three months due which is an additional {$3300.00}. After checking this with the store, Check Free told the associate and customer on speaker phone that the payment will be processed on XX/XX/XXXX. The associate took Check Free agent 's direction and XXXX XXXX received the same information as the associate. According to the store, our associate contacted both Check Free and XXXX XXXX to discuss the {$49.00} late fee, which the store agreed to cover as a gesture of goodwill. On Tuesday, XX/XX/XXXX, XXXX XXXX confirmed the one-time late payment processing. However, when XXXX XXXX returned the following week to make the same payment, he was informed multiple times that the {$1.00} fee was for next-day posting, while the {$11.00} fee was for same-day posting. According to the store 's records, XXXX XXXX initially agreed to next-day posting but later changed his mind after reviewing the receipt. Consequently, the transaction was canceled, and the payment was then processed using same-day posting. We have already contacted Check Free Pay on XXXX XXXX 's behalf. In addition, Check Free confirmed XXXX XXXX have submitted an escalation with them directly. We had reached out to XXXX XXXX on XXXX Again, we thank XXXX for her feedback and comments. If either of you has any further questions or comments, please feel free to contact us. Sincerely, XXXX
04/07/2022	Yes	Mortgage VA mortgage	Trouble during payment process	MI 490XX	Web
Complaint against FiServ Dear CFPB, Please find my complaint against FiServ and my demand to investigate their unlawful business practices and cease and desist their mail fraud and extortion racket acting on behalf of company with whom FiServ does not have connections and who did not authorized FiServ to send me these documents - XXXX XXXX XXXX XXXX XXXX ( former XXXX XXXX XXXX XXXX ) I believe I have uncovered criminal acts conducted for profit and that the representations that were previously taken by me as true are not true. Specifically, I have been subject to claims by XXXX that were misrepresented to me that XXXX was either the owner or servicer of an unpaidloan. After conducting my investigation, I discovered that correspondence, statements and notices were sent to me not by XXXX but by another company, Fiserv who is a payment and ATM processor. Based onwhat they now admit, and my research, FiServ receives, processes, and accounts for payments from me and other homeowners, depositing the money into an account controlled by an investment bank that uses it not to reducethe balance of any claimed loan account, but as its revenue on top of 1200 % XXXX % from trades of my securitized identity on the open market. But it is XXXX whose name is used to present " evidence '' of the right to administer, collect and enforce the alleged loan. And it is a " representative '' ( robosigner ) XXXX XXXX who provides me false information that is intended to establish theexistence of XXXX business records in order to justify collection from me. For example, XXXX XXXX ( likely a fictitious name of an employee who most liklely works for FiServ ) during two and half years insisted that XXXX is buyer of my alleged obligation which is pooled in some XXXX XXXX XXXX here XXXX is a Servicer who collects my payments to handle it to XXXX XXXX XXXX XXXX XXXX to distribute it to investors ( who is also claimed to be XXXX All these statements are lies since XXXX XXXX has absolutely no records about my alleged loan ; or any servicing by XXXX as well as any Trusts or loan accounts for my alleged loan. XXXX XXXX XXXX XXXX deny its involvement in my transaction. It was confirmed to me by HUD 's FOIA officers twice - on XX/XX/XXXX and XX/XX/XXXX where XXXX XXXX specifically deny ANY knowledge about my transaction, including XXXXXXXX XXXX " servcing '' and " ownership ''. There are no XXXX business records related to receipt, processing, or disbursement of payments received from me. All of that data is input by Fiserv people and systems in collaboration with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fiserv work is not contractually governed by any relationship with XXXX.FiServ most likely does not have any relationship with XXXX at all ; and does not receive any data they mail to me from XXXX XXXX This enables investmentbanks who have no financial stake in the alleged loan to control and receive the money, instead of whoever is named as a claimant in any attempt to administer, collector enforce the alleged loan. It is the keystone in setting up an infrastructure of sham conduits to conduct debt collection activities on what is probably a non-existent debt -- - i.e., there is no company or person who loaned me any money or maintains a loan account receivable due from me to anyone. There are only reports issued by XXXX [ or FiServ 's employees who send me these reports ] that are claimed to be " servicer '' of activities never performed by XXXX. On XX/XX/XXXX Fiservs representative XXXX XXXX sent me following email : Dear XXXX XXXX, Thank you for your follow up letter. We have reviewed the information you provided. Please be advised that Fiservs only connection with XXXX XXXX here is as a print and mail vendor. Fiserv does not prepare, review, or edit any content from XXXX XXXX and only prints and mails what is provided. We trust that we have addressed all your concerns, but nevertheless, if you have additional questions, please do not hesitate to contact us. Thus, So, Fiserv admitted that that they are a print and mail vendor in connection with XXXX. But failed to disclose the nature of their connection with XXXX and did not say that they are print and mail vendor FOR XXXX or were hired by XXXX as their print and mail vendor. Moreover, Fiserv is implying that they take data from someone else and simply print it and mail it to me. But Fiserv is not saying that they actually received that data from XXXX. Fiserv is only saying that they do not prepare, review or edit any content from XXXX. I several times asked XXXX XXXX to verify if Fiserv receive content of these bills, forbearance, modification and letters from XXXX ; or were hired by XXXX. XXXX XXXX repeatedly refused to respond and only referred me to ask XXXX about contents of this data. I did not asked FiServ about content of documents they sent me. I asked about the source of this data and confirm that FiServ received it from XXXX. I also asked to provide me copies of any data Fiserv ever received from XXXX concerning my file for the purpose of printing and mailing ; and provide me name and contact information - direct phone number, business address and email address- for XXXXXXXX XXXX employee who provided FiServ my data which Fiserv printed and mailed to me? My last request to FisErv was under RESPA as XXXX, yet XXXX XXXX refused to respond, which is a flagrant violation of the law. I demand FiServ to provide me disclosures under RESPA about the source of this data and confirm that FiServ received it from XXXX. Provide me copies of any data Fiserv ever received from XXXX concerning my file for the purpose of printing and mailing ; and provide me name and contact information - direct phone number, business address and email address- for XXXX 's employee who provided FiServ my data which Fiserv printed and mailed to me?
03/12/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CO 808XX	Web	Servicemember
FIRST - none of the options that took me to this place fit my case. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a merchant services company who works with XXXX. My association with this service began XX/XX/XXXX with a 4 year lease on a credit card capture device through my bank in XXXX, Ohio, XXXX XXXX Bank. In XXXX of XXXX I had to close my business due to poor sales and moving from XXXX to XXXX where the sales market and distances to the better eastern markets were not good. As I closed my business I tried several times to contact XXXX to let them know that I wanted to return the machine XXXX. I only did five trade shows a year, I never owned a storefront, but the lease payment was monthly, per the lease contract. I could never get a human on the phone. Every phone call was answered with automation and the requirements were to submit my merchant ID number, phone number, house number, terminal ID, email address and if anywhere in that series a number didn't satisfy the input requirements the automated system would then recite to me to call back when I had all of the correct information. I had moved to XXXX by then and was trying to update my information and my bank account and to ask how to end the lease with the close of my business. Being unable to speak to a human being and my XXXX bank account closed ( no XXXX XXXX Bank in Colorado ), I stopped payment to XXXX. That got a human phone call. Before I could proceed at all with my case, I had to update my banking information, mailing/home address, phone number etcetera. I had to repeat this a few more times as I was passed on to other offices until I finally spoke with someone about all of the above circumstances. I was told that the lease contract was enforceable through XX/XX/XXXX and still had to pay for the lease of the machine and service whether or not I used it. I told them I wanted to return the machine so that it wouldn't be lost in the coming 12+ months of non-use. They mailed to me directions as to how to return the machine. I returned the machine on XX/XX/XXXX. I had professional help with my XXXX taxes and when I got the year back it was boxed and placed in storage. In XXXX and XXXX of XXXX, I noticed that XXXX was still drawing monthly lease payments from my XXXX XXXX bank account. I didn't pay much attention to the XXXX draw, not certain if it was tor the month of XX/XX/XXXX. But when they drew from my bank again in XXXX, I began trying to make phone calls to XXXX. As ever, it was maddening that I could not get past the robot technology. I had not changed any of my account information since XX/XX/XXXX but in XXXX of XXXX I could not get past that final order to try again when I had the correct information. These phone calls take a lot of time and are enfuriating. They have all my information and most of all my routing and bank account number. I went into storage and found my XXXX tax year and pulled the XXXX file and after more phone calls finally got a human answer. The woman was professional and polite and after making certain she had all of my merchant ID, bank routing and checking account numbers, phone number and address and email address, she then let me know that they have no record of receipt of the XXXX machine that I shipped back a year ago. Until I could provide proof of return I would have to continue payment on the lease or I could purchase the machine. It wasn't expensive, less than {$300.00} but the idea was frustrating. Not only had I just paid over {$600.00} for the past year lease for a machine that I no longer used nor had in my possession, but payment would not cease ever, unless I paid the purchase price for the device. I searched for proof of shipment but it was not in my tax records. Lost somehow, so I went to my post office and was told records don't go back that far. So the next step seemed logical, I had to pay for the machine. I found a paper from XXXX and tried them, since XXXX didn't like something in my numerical interview. On XX/XX/XXXX I called XXXX and I got an XXXX woman agent who was very kind and patient but the phone connection was very bad. We both mentioned a few times that it was hard to hear and understand each other. In my rising anger at the unfairness of all this I found myself yelling over the phone that I had sent that machine back a year ago. I told her that I was advised a week before her that I could purchase the machine and that was what I wanted to do. She seemed sympathetic to my case and said she'd sent the case forward with priority, as an appeal for refund of money taken over the past year. That wasn't the reason for the call, but I did feel better at the possibility. A few days later I got a blunt email stating that the case was denied, that payment for services must be paid " whether I used them or not. '' I tried to reply to the email, stating that I wanted to just pay for the machine and end all this but I got an automated email reply stating that the case was closed and no longer monitored. I got more than one email such as that one, stating in clear terms that nobody would talk to me about the case. It's worth mentioning that the emails that told me my case was denied do not indicate that no reply was possible so of course I spent a lot of time ( as I am, now XXXX trying to explain, only to get a " reply '' that nobody was ever going to see nor reply to my case. Payment has been stopped, to XXXX but I expect a phone call from them, asking where their money is. They are the worst customer service anyone 's worst imagination could face. The complete disregard for myself as a business owner, a human and a professional are off the charts.
07/15/2023	Yes	Money transfer, virtual currency, or money service Refund anticipation check	Fraud or scam	CA 958XX	Web
Money Network Financial , LLC, is in charge of the management and distribution of the MCTR payment to California residents. It was distributed as a prepaid debit card and was received by me in the Winter of XXXX. Because I was unaware of what it was at the time, I left the envelope in my office and told myself I would get around to it, which I did in XXXX. On XXXX XXXX XXXX I called the number listed in the envelope to activate my account to try to access the {$350.00} that was supposed to be part of my Middle Class Tax Refund. On that day, the person who I spoke to said that there was no money on my account, someone had already setup a pin, which I did not know, and that there were no funds in the account. The funds had been transferred out without my knowledge. She went over the transactions, which demonstrate a clear pattern of fraud. They are listed here. XXXX XXXX XXXX - attempt to use at XXXX, denied XXXX XXXX XXXX - attempt to use at XXXX multiple times, all denied XXXX XXXX XXXX - attempt to use at XXXX XXXX, denied XX/XX/XXXX - attempt to transfer funds to XXXX, denied XXXX XXXX XXXX - funds were successfully transferred to a XXXX account for {$350.00} ( the entirety of the funds ) to an account belonging to XXXX XXXX, affiliated with a phone number XXXX. This is a toll-free number which I have no association with. Furthermore, I have no association with XXXX XXXX and have never heard of this name. All of this occurred before I had even tried to active the card myself on XXXX XXXX XXXX On that date, I filed a fraud report verbally over the phone while discussing the above. The representatives at Money Network stated that it would take 45-90 days and did not say or bring up that a written notice was required or recommended. At that time, I did not know about 12 CFR Part 1005 ( Regulation E ), specifically the section on " Procedures for Resolving Errors. '' Based on these laws, they are required to investigate within 10 business days and if needing an extension to 45 days, are to " Provisionally credits the consumer 's account in the amount of the alleged error ( including interest where applicable ) within 10 business days of receiving the error notice. If the financial institution has a reasonable basis for believing that an unauthorized electronic fund transfer has occurred and the institution has satisfied the requirements of 1005.6 ( a ), the institution may withhold a maximum of {$50.00} from the amount credited. '' Neither of these things were accomplished. Their investigation took 90 days and I never received a provisional credit. Furthermore, the results of this investigation are to be made available to the consumer in a written explanation : " Written explanation. The institution 's report of the results of its investigation shall include a written explanation of the institution 's findings and shall note the consumer 's right to request the documents that the institution relied on in making its determination. Upon request, the institution shall promptly provide copies of the documents. '' This was not granted to me as well. I received no information regarding when the investigation was completed and what the results were. I had to callback multiple times, each time taking 30 minutes of time ( most of which were spent on hold ). Finally, on XXXX, after calling their customer service line, they stated that the claim was denied because there was electronic authorization on the transaction. They instructed that I can dispute this in writing by submitting a form ( attached ) to their dispute email, which I completed on XXXX Today, on XX/XX/XXXX, I called back request an update on the dispute and investigation as it had been more than 10 business days. Once again, they had not completed their investigation and I did not receive any provisional credits. On the phone today, I was escalated to a supervisor twice. The first time, they hung up on me in the middle of the conversation without a call back, wasting nearly and hour of my time. I had to call back, get placed on hold again, in order to get escalated again to another supervisor. I discussed with this supervisor at length the rights granted to me by 12 CFR Part 1005, which this representative completely dismissed. She stated that per their policy, they take 45-90 days to conduct an investigation or a dispute. This is clearly not the timeline established by federal protection for consumers. Furthermore, I believe their investigation to be inadequate. The results of that investigation only yielded that the transaction was electronically authorized. Obviously, this must have been the case for the transaction to go through. The history of multiple failed transactions several days before, and the transaction to a XXXX account which has no association to me clearly demonstrates a pattern of failed fraud, followed by once successful fraudulent transaction. This entire process has taken hours of my time throughout the course of months. It has been very frustrating not having my concerns addressed just to get my stolen money re-credited. I have had to pay taxes on these funds, which has resulted in additional losses. The representatives are not helpful and only state and repeat what their company policy is, which is not helpful and not aligned with federal protection guidelines and laws. I have documented all the events above. If call records are needed, I can obtain them from my cell phone carrier.
12/04/2023	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Transaction was not authorized	CA 90404	Web
My company XXXX signed an agreement with XXXX, an agent of First Data to be our payment processor. We were told that our non PCI compliance fees would be {$99.00} annually but have seen over a XXXX increase in these charges with no notification or agreement to pay these exorbant fees. The only way I was informed of the PCI compliance fees was through statements on the XXXX portal. XXXX is a subsidiary of First data. The XXXX XXXX 's default settings are set to not send paper or email notifications about fees We had a 3 year period of inactivity on the portal and additionally, the few emails I did receive regarding PCI compliance went directly to our spam and never mentioned anything about fees. As a result of First Data 's failure to provide proper notification, I was unaware of the increased PCI compliance fees until our accountant brought up an increase in costs regarding our payment processing systems. By then, I had already been charged over {$15000.00} in fees and the agent accumulated more than {$9300.00} in commission on those fees. Moreover, I recently discovered that an agent of First Data, XXXX, made over {$9000.00} in commission on these improperly charged fees. This raises serious concerns about the ethical conduct of both First Data and XXXX. In light of these circumstances, I believe that First Data and XXXX have engaged in the following illegal and unfair practices, which violate several civil and consumer protection acts, violations of civil and consumer protection acts include but are not limited to : Electronic Funds Transfer Act ( EFTA ) : EFTA prohibits businesses from charging unauthorized fees to consumers ' electronic fund transfer ( EFT ) accounts. First Data charged PCI compliance fees without providing proper notification to consumers, which is a violation of EFTA. Truth in Lending Act ( TILA ) : TILA requires businesses to disclose all fees and charges to consumers in a clear and conspicuous manner. First Data failed to disclose the PCI compliance fees in a clear, understandable, and easily noticeable manner, and they did not provide advance notice of the fees or any increases in the fee amount. Fair Credit Billing Act ( FCBA ) : FCBA gives consumers the right to dispute errors on their credit card statements. First Data 's failure to provide proper notification of the PCI compliance fees makes it difficult for consumers to dispute these charges. Consumer Financial Protection Act ( CFPA ) : CFPA prohibits businesses from engaging in unfair or deceptive practices. First Data 's failure to provide proper notification of PCI compliance fees, its business practices that allow agents to profit from improperly charged fees, and its failure to seek the consumer 's consent before charging the fees are all considered unfair and deceptive practices. Uniform Commercial Code ( UCC ) : The UCC governs commercial tr ansactions in the United States, including contracts for payment processing services. First Data 's failure to honor its contractual agreement to charge only {$99.00} annually for PCI compliance fees violates the UCC. Federal Trade Commission Act ( FTC Act ) : The FTC Act prohibits businesses from engaging in unfair or deceptive acts or practices in or affecting commerce. First Data 's failure to provide proper notification of PCI compliance fees, its business practices that allow agents to profit from improperly charged fees, and its failure to seek the consumer 's consent before charging the fees are all considered unfair or deceptive acts or practices under the FTC Act. With specific violations in terms of proper disclosure practices : Clarity and Conspicuousness : First Data failed to disclose the PCI compliance fees in a clear, understandable, and easily noticeable manner. The fees were hidden in the XXXX portal statements, making them difficult to find and understand. Timing : First Data did not provide advance notice of the PCI compliance fees or any increases in the fee amount. Instead, the fees were charged without any prior notification, giving me no time to understand or react to these changes. Completeness : First Data did not disclose all relevant information about the PCI compliance fees. The disclosures did not explain how the fees were calculated, when they were charged, or under what circumstances. Accessibility : First Data made the disclosures available only through the XXXX XXXX, which is not readily accessible to all consumers. The disclosures should have been made available in multiple formats, including email and paper statements, to ensure that all consumers could access them. Consent : First Data did not seek my consent before charging the PCI compliance fees. This is a violation of proper disclosure practices, as consumers should be given the opportunity to agree to new fees or changes in existing fees before they are implemented. Regular Updates : First Data did not communicate any changes to the PCI compliance fees or the terms and conditions of the payment processing services. Consumers should be informed of any changes promptly and in a clear and conspicuous manner. Language and Presentation : The disclosures were not presented in a language and format that could be easily understood by the average consumer. The language was complex and technical, and the disclosures were not organized in a way that made them easy to follow.
01/30/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble closing card	KS 66047	Web
On XX/XX/2021 I received the XXXX XXXX Payment Card enabled by MoneyNetwork in the mail. I will refer to it as the EIP card. I followed the instructions in the letter under How to get started that say that I should read the full Cardholder Agreement at XXXX. I went to the website and read the agreement. I found the following Important Notice right at the beginning of the Cardholder Agreement : 5 ) BY ACTIVATING OR USING THIS CARD, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS CONTAINED IN THIS AGREEMENT. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT ACTIVATE OR TRY TO USE THE CARD ; YOU SHOULD CANCEL THE CARD BY CALLING CUSTOMER SERVICE AND REQUESTING YOUR FUNDS IN THE FORM OF A PAPER CHECK. Please note that the same notice is available on the following webpage : https : //www.eipcard.com/cardholder-agreement I decided that I did not want to be bound by the terms of the agreement and went ahead to follow the instructions. I called the Customer Service ( XXXX ). This phone number is on the website and also on a sticker on the EIP card. The system is a voice-automated system. I tried getting an option to cancel the card and request the funds as a paper check but no such option is not available. My call kept being terminated automatically by the system. I called several times in order to search through all of the possible options to make sure I wasnt missing it. There was none that could be reached to allow me to perform the above instructions. I kept searching through the menu and eventually ( by sheer luck ), one of the options said that I should press " one '' to talk to a representative. I did and started talking to a very nice person called XXXX. She asked for the number on the EIP card. I gave it to her and at the same time I said that the card had not been activated and that I DID NOT want to activate it. She acknowledged it and asked for my social security number and to confirm my address. I provided the required information. XXXX then asked my how she could help me. I informed her about me receiving the card in the mail, reading the Cardholder Agreement and that I had decided I wanted to cancel the card and request my funds in the form of a paper check as stated in the said Cardholder Agreement. I explicitly said that I had not activated or tried to use the card and that I was calling Customer Service as instructed. She asked me to confirm three question of multiple answers to establish my identity. I complied and she was satisfied with it. These questions, XXXX said, were required to authenticate me with the IRS. She then put me on hold. After a few minutes and a second hold, she said I would have to request the check through the automated system. I said there was no such option. I had been very thorough while searching for it. She said I would have to call the automated system and type in my card number and my PIN number in order to get that. I asked her that I did not have a PIN number, and that I would think that in order to get a PIN number I would have to activate the card. She put me on hold to verify that information. Eventually she said that that was true, and that there was no way to request the funds in paper check form unless I activated the card through the automated system. I informed her that this was in direct contradiction with what the Important Notice in the Cardholder Agreement stated. She apologized and said there was nothing else she could do. She suggested I called the IRS to ask for a check. I pointed out that it was not what the Instructions given in their Cardholder Agreement said. She agreed and dropped the suggestion. I know she was trying to help. She said I am a simple agent. I understood that. But a company should not offer something and then simply not honor it. I was frustrated and said that I would like to place a complaint. She eventually said that the Complaints Dept was closed and I would have to call next morning through the same automated system. I said there was no option to reach the Complaints Dept through the automated system menus. She got confused. I said that this was all very unfortunate and that I would like a transcript of the call in order to make a public complaint ( I was thinking of using the transcript for this consumerfinance.gov complaint ). She could not give me that. I was polite throughout, and she was too, but I was sensing that she was feeling uncomfortable with my persistence. She eventually hung up. I was left without a possibility to achieve the goal of getting my funds in the form of a paper check without activating the card, as explicitly stated in their Cardholder Agreement. The described situation uses an automated system without required options in the menus and forces the beneficiary to accept and activate the card to receive the benefit. It is also explicitly contradicts the information provided in their own Cardholder Agreement. My call was placed at XXXX on XX/XX/2021, and lastes 35 minutes and 56 seconds.
05/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 490XX	Web
Qualified Written Request, Debt Validation Request and Complaint against Fiserv , Inc and XXXX XXXX XXXX XXXX ( branch of XXXX XXXX XXXX XXXX XXXX ) for racket, mail fraud, conspiracy to defraud and other crimes. Dear CFPB : I was defrauded by one of XXXX XXXX Investment Banks, likely by XXXX XXXX, who hired actors to pose as a lender and servicers ; and XXXX companies ( real servicers ) like XXXX XXXX XXXX XXXX and FiServ, to sell me information about money ( virtual loan ) dressed as a real loan. During at least last three years all so-called billing statements on XXXX XXXX XXXX XXXX XXXX ( XXXX ) letterheads were printed and mailed to me by FiServ. All my money were collected by XXXX XXXX and their branches XXXX and XXXX and laundered via XXXX XXXX XXXX XXXX XXXX XXXX and a shady credit union in California for unknown to me beneficiaries. On XX/XX/2022 I received another fake " billing statement '' printed and mailed to me by FiServ on XXXX 's letterhead, with another demand for money. XXXX has absolutely nothing to do to with these creative manipulations, except provide their name to be used on letterheads sent to me by FiServ, XXXX XXXX and their various XXXX companies. FiServ admitted that they print and mail me so-called billing statements in connection with XXXX but refuse to answer if my data is provided to FiServ by XXXX ; and disclose to me the name and contact information for XXXX responsible officer who authorized FiServ to send me so-called billing statements. Which is a glaring violation of RESPA and FDCPA. I already demanded FiServ to cease and desist ANY illegal communication with me until FiServ provide me requested information and disclose if they RECEIVE MY DATA from XXXX and provide me name and contact information for PennyMacs responsible officer who authorized FiServ to send me so-called billing statements to collect from me money. As of today nobody can find my loan with lender XXXX XXXX or any following transactions, including any XXXX servicing of this so-called loan. On XX/XX/2022 the Consumer Financial Protection Bureau ( CFPB or XXXX ) issued an interpretive rule, describing states authorities to pursue companies and individuals that violate any of the federal consumer financial laws enforced by the CFPB which is modus operandi for FiServ XXXX XXXX who are engaged in a high-scale mail fraud ; racket, identity theft, conspired with XXXX XXXX Investment Banks to defraud homeowners like myself and regularly violate XXXX ; FDCPA ; RESPA, ect. FiServ and XXXX XXXX try to extort from me REVENUE for unknown to me parties masqueraded as repayment of debt while nobody can find this alleged " debt '' which does not exist on any books or records of any company, specially XXXX 's. XXXX XXXX convinced both homeowners and investors that the substance of securitization meant the creation of a loan transaction and then the sale of that loan transaction and the financial expectancy of payment to multiple investors. But the securities brokerage firms never intended any of that. They had to be convincing or else the plan wouldnt work. The real plan called for selling the Loan over and over again by giving attributes of the transaction different names. So in the end, if they paid {$200000.00} to or for a PRIOR homeowner XXXX, they would sell it for at least {$2.00} XXXX, plus additional {$2.00} XXXX from my transaction where no real money were involved at all. What they could never say, under their plan, was that they were selling a virtual loan with no value in lieu of a real loan consisting of a lender or successor paying for an unpaid loan account.. It is by suppressing the truth about the transactions that the XXXX XXXX investment banks and securities brokers make all their money aka STEAL from me money by using mail fraud and deception. They are hiding it because several people ( entities ) get paid revenue from proceeds of payments but none of them have a right to receive it. And they did it that way so they could, in substance, sell the same transaction multiple times to multiple investors without ever having to credit an unpaid account receivable - because an unpaid account receivable does not exist on the books of any person or entity. The investment bank hired good actors to play the parts one would expect in a loan transaction. That is how they sold this scheme. I demand FiServ, under RESPA and FDCPA, to disclose if they receive my data from XXXX, to print and mail me so-called billing statements I demand FiServ to disclose me name and contact of PennyMacs responsible officer who authorized FiServ to print and mail me so-called billing statements If FiServ and XXXX XXXX XXXX XXXX XXXX XXXX XXXX continues to violate RESPA and FDCPA and refuse to provide me disclosures I demand FiServand XXXX ( dba XXXX XXXX, XXXX XXXX to cease and desist ANY contact with me which is a text-book mail fraud and extortion racket.
11/17/2020	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	KY 42001	Web
Thursday XXXX XXXX That morning I checked the status for my payroll check of {$440.00} and come to find out theirs only XXXX cents. First, I called Money Network customer service ; I was told my paycheck was never deposited in my account. Second, I called and talked to XXXX XXXX XXXX manager XXXX XXXX she said on their end my paycheck was deposited to my payroll account. Then she called Money Network on my behalf to find out what was going on. I called her back and she told me to call back Money Network. I call back Money Network customer service and I gave all my information The customer service worker begins to apologize to me voicing my account has been compromised. Because, 94 transactions used by XXXX XXXX XXXX XXXX of {$1.00}, {$2.00} and {$5.00}. I was asked did you make these transactions? I said, No, who in their right mind would make 94 transactions for those small amounts. I was asked does anyone have my debit card? I said, absolutely not,. This same day, I was issued a new Payroll debit card that will be mailed to me by XXXX and told I will get it in 3 days free of charge and the customer service worker also said to me, I am filing a dispute letter for you, we are mailing you the dispute forms please fill out ASAP so we are able to do a complete investigation and you will be able to get your {$440.00} back. Second, on XX/XX/2020 I did receive my new PayRoll Debit Card, but No dispute claim letter forms was with it. So this same day, I called Money Network customer service again to find out why wasnt the dispute claim letter forms was nit XXXX to me with my Payroll debit card. I was told by Money network customer service representative, Im sorry for the XXXX the reason the dispute letter forms was not XXXX at the same time with your new card is because it comes from a different department. Please be Patient Third, XX/XX/2020 I called once again to Money Network customer service to find out where was the dispute letter form it has not been mailed to me. I was told by the representative named XXXX said im sorry Miss XXXX your dispute was denied. I said, how is that possible if Im still waiting for the dispute letter forms to be mailed to me. I asked to speak to the manager. I explain the problem, the manager refilled a second dispute for me .The manager said to me, as soon as I get it to fill it out and set it ASAP to us. Moreover, this same day I checked the mail before I headed to work long and behold I was mailed and received 2 letters at the same time from Money Network. One letter was a larger white envelope Stamped XX/XX/2020 US Postage in it was the dispute claim letter forms I just called about not receiving. Second Envelope from the Dispute Operations Department Money Network. A First Data Company. Informing me that my dispute claim was investigated and denied issued and filed XX/XX/2020. I immediately called Attn : XXXX Phone : XXXX ext. XXXX I explained the whole issue to XXXX, I asked him dont you agree someone on their end made a hug mistake by mailing out 5 days late the dispute claims forms I was needing to resolve to get my money back? He said, No. And I also voiced, Help me understand how did my dispute claim get denied and filed one day after the first dispute claim was filed on XX/XX/2020. How did that time frame give your company long enough time to properly investigate in how and why was my account compromised, hacked and my PayRoll check was so easily stolen out of my account? XXXX said, Miss XXXX I can see a second dispute claim was filed today. It will be mailed to you five business days ; please quickly fill out the forms fax or email back to us ASAP Please do not fill out or send us the first dispute claim forms. I asked why, I have them right here this can be done today. XXXX gave no answer by repeating what just Previously told me. Then I asked XXXX where on the forms do I check off on. XXXX said, check off on the box that says, MERCHANDISE NOT RECEIVED I did what he said. But, I did not order anything ; my account was hacked. This dispute claim forms has nothing to check off for, Compromise accounts that got hacked and money stolen out of it. Monday XX/XX/2020 I still have not received the second Dispute Claim forms. Today, I will attempt to email The first dispute claim forms I already In Hope this will help my case. Also, on Tuesday XX/XX/2020 Im going to Fax the first dispute claim forms to through The XXXX XXXX the company I Previously worked for. In hopes in good faith this issue will be resolved and my paycheck will be restored back to my account Sincerely XXXX XXXX Please Call the XXXX store XXXX XXXX Due to, COVID-19 i truly understand most companies work force is thin. Lots of work to be done but short handed to get the work done on time.
09/21/2023	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	VA 242XX	Web
On XX/XX/2023 there was a fraudulent charge in my account made for {$240.00} I noticed the charge the same day and contacted the money Network to let them know. They canceled and blocked my card immediately. Then they sent me a new card and told me that they would be looking into it and that I needed to give them 45 days to do so. They did not provide me with a provisional credit for that amount in the meantime nor did they ever try to do a chargeback to the merchant. So I contacted the merchant and the merchant try to issue a refund but it kept declining the refund. They have been trying to do a refund but money Network since XX/XX/2023 but money Network a division of Fiserv has been declining to accept the money that the merchant is trying to return. They said that they will be mailing me some papers to fill out that I needed to return I filled them out and faxed them over. I called several days later was told that the fax was received and someone was looking into it only to later be told that they never received my paperwork. My paperwork was faxed to them on XX/XX/2023. Since XX/XX/XXXX they have continually denied my claim. They keep insisting that the merchant is trying to charge me additional charges for the same amount and has done so or attempted to do so approximately the last 7 months sometimes over five times in a month but when I contact the merchant the merchant is telling me they are trying to issue the refund but the bank has put a block on the merchant so that they are unable to do so. They never contacted the merchant never gave me a provisional credit haven't closed this issue for me and refuse to resolve it and now they're telling me that I have to contact the merchant and have the merchant write me a letter with a signature on it that says that they want to return the money to me. This is not my job this is their job. I have appealed and they continue to deny my appeal saying that I need to provide them with a letter from the merchant that says that he wants to return my money despite the fact that the merchant has already attempted to issue me a refund over nine times but because they put some kind of block on the card that was used he is unable to do so. This has been ongoing since XX/XX/2023 and it is currently XX/XX/2023. Now I've been informed that they can't do a chargeback anymore because they can only do a chargeback for 120 days and this issue continues to go on. Nobody there seems to know what's going on nobody knows what their job is. They have never investigated they have never reached out to the merchant they literally have just continually deny my claim. I find myself calling them every single week asking them for an update and the only thing that they're telling me right now is unless the merchant writes me a letter that says that I deserve to have my money back that they're not going to do anything which is no different than what they've already done because they seriously haven't done anything. According to the law they were supposed to investigate the issue and provide me with a provisional credit for the amount that was fraudulently charged to my account. And I was supposed to be given access to the funds if they were to investigate it for 45 days. Which is the time limit I was given when I reported the charges. Or they were supposed to have this case closed within 10 days. Neither one of those things have been done. I have not received my credit and it's going on 7 or 8 months now that I'm fighting with this company trying to get my money back and they literally will do nothing. I don't know who else to contact this is seriously out of hand. I've never ever had to deal with a bank like this before where I was charged fraudulent charges. It's like they seriously want me to do their job for them I have to reach out to the merchant to ask them to return my money or give the bank ideas on how to get my money back. I know it may not seem like a big deal to them it's only {$240.00} for me right now that's a lot of money and I have kids to feed and I am frankly tired of waiting and someone needs to fix that. I have also attempted to file several complaints to their company but like I said no one has reached out to me no one has given me an explanation as to why they're denying my claim no one has told me anything all I've been told is that it is not their job to contact the merchant to ask him to do a refund apparently that's my job to provide them with proof that the merchant wants to return the money to me I don't understand it so I'm running to you hoping that maybe you can help me deal with this company because seriously I have no idea what to do anymore this is literally causing me unnecessary stress.
08/25/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	CA 92584	Web	Servicemember
On XX/XX/2023 I sent two payments, via Bill Pay ( Fiserv ), from XXXX XXXX XXXX XXXX ( XXXX ) to a XXXX XXXX XXXX. One for {$1800.00} and one for {$420.00}. I can see in my XXXX account summary that both payments left my account. XXXX claimed that there were insufficient funds. I can see in my XXXX account summary that both payments were received and reversed. Then the money disappeared. I am missing {$2200.00}. I have called both entities seventeen times almost weekly since XXXX and neither of them will claim responsibility or give me the money thats missing. In addition to the numerous phone calls I have uploaded documents and thorough notes proving my case and had a three-way phone call with both entities to no avail. This is causing extreme stress and each time I call I have to start the story over again and end up with the same result. My XXXX checking account # is XXXX My XXXX auto loan account # is XXXX. On XX/XX/2023 I submitted a CFPB complaint against XXXX ( Complaint ID XXXX ) to seek resolution and they, again, claimed that it's not their responsibility on XX/XX/2023. On XX/XX/2023 I submitted a CFPB complaint against XXXX ( Complaint ID XXXX ) to seek resolution and they, again, claimed that it's not their responsibility on XX/XX/2023. XXXX Complaint Response : The following references the complaint we received on XXXX XX/XX/2023 from the Consumer Financial Protection Bureau on behalf of XXXX XXXX member XXXX XXXX XXXX. The complaint was assigned a case number of XXXX. We have researched our members concerns. Our records show that on XXXX XX/XX/2023, Automated Clearing House ( ACH ) debits of {$420.00} and {$1800.00} posted to XXXX XXXX XXXX XXXX XXXX XXXX checking account ending in XXXX for payments he scheduled through our Bill Pay service to his XXXX loan account ending in XXXX. We have confirmed that the payments were successful, and the funds were not returned to XXXX XXXX. If XXXX XXXX XXXX XXXX provides us with the date, amount, and trace number of the return from XXXX, we will be happy to further research this matter. Should XXXX XXXX XXXX XXXX have further questions, he may contact XXXX XXXX, Supervisor, Resolution, by calling XXXX, between the hours of XXXX XXXX and XXXX XXXXXXXX XXXX XXXX, weekdays. XXXX Complaint Response : We are responding to the concerns about the XXXX XXXX XXXX XXXX ( XXXX ) you outlined in your correspondence to the Consumer Financial Protection Bureau regarding two payments to your auto loan. Our records show that on XX/XX/2023, payments of {$420.00} and {$1800.00} were made to your auto loan ending in XXXX. The payments paid the loan balance in full ; however, on XX/XX/2023, the payment amounts were reversed from your loan as funds were not received from XXXX XXXX XXXX XXXX ( XXXX ) for either payment. The payments were rejected due to nonsufficient funds ( NSF ). The loan was then reopened and payment was due. On XX/XX/2023, XXXX XXXX received documents from XXXX containing trace numbers for the payments. Research was initiated for the payments based on what XXXX provided. On XX/XX/2023, research concluded that funds were not received due to NSF, which is why they were reversed from your auto loan. Two subsequent investigations were initiated and closed with the same findings that the funds from the payments were not received from XXXX. On XX/XX/2023, you were advised of the results of the investigations and that XXXX would need to explain to you why they did not honor the payments. On XX/XX/2023, XXXX XXXX spoke with you and a representative from XXXX regarding the returned payments. XXXX explained they opened a claim with Fiserv to research the two payments. On the same day, XXXX XXXX received a document from XXXX and another research request was initiated based on the information provided. On XX/XX/2023, the research was completed and confirmed that XXXX XXXX did not receive the funds due to NSF in the funding account. XXXX would need to work with you directly about this matter. On XX/XX/2023, a payment in the amount of {$380.00} posted to your auto loan, which paid the loan in full. A letter was sent to you confirming this information. XXXX XXXXXXXX, we have completed multiple reviews of your auto loan and confirmed XXXX XXXX did not receive funds from XXXX for the two payments you attempted on XX/XX/2023. We suggest you continue working with XXXX if there are funds missing from your account with them. XXXX XXXX has no further recourse to investigate or retrieve the funds. Thank you for the opportunity to review this matter and respond to you. Should you have any questions, our XXXX XXXX XXXXXXXX staff remains available to assist you.
04/04/2022	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	CA 93103	Web
This problem is regarding my third economic impact payment debit card, issued by XXXX XXXX, XXXX Money Network. In XX/XX/XXXX, I received a letter from the IRS stating that my third economic impact payment had been issued and disbursed to me in XXXX. I was aware that I was supposed to receive a debit card with the {$1400.00} deposited on it, but I never received it. I had been checking the IRS 's " where's my payment? '' resource regularly through XXXX, only finding that my payment had been issued, with no additional information. In following up with the IRS, I was directed to contact XXXX XXXX at XXXX. The IRS stated that my economic impact payment was disbursed to XXXX XXXX and that I needed to settle this issue with them. On XX/XX/XXXX, I called XXXX XXXX at the number above, and in trying to report my card as never being received via their automated phone system, the line cut off twice. I instead was able to report my card as stolen via the automated system that day, and the message stated that a replacement card would be sent. Having received no communication from XXXX XXXX by XX/XX/XXXX, I emailed XXXX XXXX 's customer service address, as listed on the IRS website. I received a reply that stated the my business was actually with Money Network, and instructions on how to navigate the automated system in order to speak to an agent. The email also contained information on whom to contact in case of problems with Money Network 's customer service- a corporate escalation hotline. On XX/XX/XXXX, after receiving the email, I called Money Network and was able to reach an agent. She informed me that the money in my account had been withdrawn in two transactions in XXXX. She told me that the money had been withdrawn from XXXX XXXX XXXX, who I do not do business with. I informed her that these withdrawals were fraudulent. The agent stated that the next step would be to file a dispute. The agent told me that she would send me dispute paperwork to fill out, that a new debit card would be issued to me, and that as soon as they received the dispute paperwork, my payment would be reissued to me while Money Network conducted an investigation that would take 45-90 days. On XX/XX/XXXX, I received my dispute paperwork from Money Network. On XX/XX/XXXX, I received a letter, dated XX/XX/XXXX, that my dispute had been rejected by Money Network. This indicates that my dispute was rejected before I could even make a case with the company. I didn't think that could be right. I thought that this rejection letter might be related to my first phone call from XX/XX/XXXX, so I carried on with the dispute filing protocol. On XX/XX/XXXX, I received my replacement debit card from Money Network. I submitted my dispute paperwork to Money Network on XX/XX/XXXX, via fax, and XX/XX/XXXX, via email. I called again XX/XX/XXXX, to confirm that my documents had been received. They had. I was asked to call back in a week to check on the progress of my dispute. On XX/XX/XXXX, I called back and was informed that my case had indeed been rejected on XX/XX/XXXX, and that I would need to file an appeal. I called the corporate escalation number listed in the XXXX XXXX email from XX/XX/XXXX. I heard back from Money Network the following day. I was asked to submit my appeal with all accompanying paperwork to an email address at Fiserv- This makes XXXX companies involved in my dispute process. On XX/XX/XXXX, I emailed and faxed my appeal to the Fiserv.com address. I filed a police report and sent that in, along with my statement and the dispute paperwork that had not been considered in the original rejection, as well as a print out of the transactions on my account that I am disputing. On XX/XX/XXXX, I called to confirm that my paperwork had been received. It had. I was told that the investigation would take 45-90 days and that I should call back in two weeks to follow up. On XX/XX/XXXX, I called to follow up and was told that my appeal had been rejected due to lack of new information. I was not given any further explanation or action steps. I called the corporate escalation hotline again on XX/XX/XXXX, and was told to expect a follow up call from Money Network within a few days. As of today, XX/XX/XXXX, I have received no communication from Money Network. I called the Corporate escalation hotline again today, and they told me to expect to hear from Money Network within a few days. For a private company handling public money I believe that XXXX XXXX, Money Network, and Fiserv should have done more to safeguard my interests and should be doing more to resolve this situation.
12/31/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NV 891XX	Web	Older American, Servicemember
This complaint will detail how XXXX and their debt collectors, XXXX and XXXX, as well as their client XXXX have been harassing and threatening me that they would ruin my credit and have been doing so since XXXX of XXXX up through today in XX/XX/XXXX and beyond. It all started when I discovered fraudulent activity on my bank checking accounts. My bank told me that my accounts had been compromised. This was on XXXX XXXX, XXXX. My told me that several different electronic transfer transactions had taken place in my accounts totaling {$2900.00}. My bank didn't honor these transactions, closed my accounts, and opened new accounts for me. It was discovered that some criminal, or criminals, had hacked into my bank accounts and stole my identity. All of the transactions were executed for the benefit of XXXX payments XXXX. XXXX is not a brick and mortar operation. It is a gambling act that has to be dowloaded to do business with them. My bank knows that I did not download that app. When these crooks stole my identity they attempted to steal a total of {$2900.00} from my checking accounts using several different transactions. Fortunately for me my bank recognized this attemp to steal my funds and they restored my funds to my checking accounts. Consequently XXXX did not receive the {$2900.00} that they antisipated would come from these transactions. As it turns out I may be wrong but it appears to me that XXXX, has part of their business plan, uses XXXX to verify, or guarantee the funds that are generated when they receive checks from their customers. Failing to receive these funds, XXXX engaged first XXXX collections services and then another collection agency called XXXX. Neither XXXX or XXXX were successful in their attempt to coerce me into paying them the {$2900.00} that they anticipated they would get from me. subsequently I received a letter from XXXX, dated XX/XX/XXXX, that they, XXXX, had closed my account. They then advised me that " Further inquiry regarding the underlying debt ( s ) may be directed to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX '' apparently Sightline then turned to XXXX to recover the {$2900.00}. XXXX then turned their attention to me. In a recent letter I received from XXXX the claim that they have identified the last four numbers of my social security number to be XXXX is false. It's not even close. In that same letter they show that I wrote two checks in various amounts on XX/XX/XXXX and then wrote XXXX checks in various amounts on XXXX examination of my bank statements reveals that I did not write two check on XX/XX/XXXX nor did I write XXXX checks on XX/XX/XXXX in those amounts. The letter also shows XXXX XXXX as the original creditor and XXXX as the current creditor.Neither XXXX nor XXXX has ever been a creditor of mine. I think it would be instructive to note that I wrote a registered letter to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MD XXXX in that letter i pointed out to him that I had previously written a registered letter to him demanding that he cease all forms of communication with me sitiing the Fair Debt Collection Practices Act 15-USC 1692c ( c ). His letter to me represents a violation of that act and that I would be reporting him to the FTC. I am a XXXX XXXX XXXX great grandmother and I found that the FTC also addresses Elder Abuse issues under Elder Abuse Prevention and Prosecution Act. Law : Pub. L. No.115-70, 131STAT. 1209 codified in relevant part at 34 UE s 2171. Section 101 of the act requires the FTC to designate and Elder Justice Coordinator for appropriate adjudication. I am also requesting that the FTC hold the President and CEO to account for all the pain and suffering I've had to endure. The President and CEO is XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX, XXXX, Texas XXXX. These past 15 months have been torture for me. It all began XXXX XXXX, XXXX and continues to this day. On XXXX XXXX I went to the XXXX XXXX XXXX Police and filled out my " Voluntary Statement '' which provided the Detective assigned to the case with the information necessary to begin his investigation and Case # XXXX was opened. The XXXX XXXX Police pointed out to me that they would be assisted by the Secret Service joint Tast Force in investigatjng this case. Despite all of that XXXX still persist in harassing me. This matter is now in the hands of the FTC, the CFPB, XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX. The public needs protection from predatory operations like XXXX. Respectfully submitted XXXX XXXX.
02/22/2022	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	OR 97223	Web
Attached, please find a notarized Power of Attorney authorizing me to act on the behalf of XXXX XXXX. This individual is an unfortunate victim of fraud and has enlisted the help of our firm, XXXX XXXX to aid in their recovery process. Enclosed is also an ID Theft Affidavit with his police report information, identification, and proof of residence. Mr. XXXX used his FiservXXXXMoney NetworkXXXX XXXX XXXX XXXX at a XXXX XXXXXXXX XXXX XXXX on XX/XX/2021. The card went missing at the point of sale in the XXXX XXXX store, at the register. He checked with the grocery clerk and looked around the area for the card, but it was nowhere to be found. Mr. XXXX provided time for the card to turn up at the store, but it did not turn up. He then contacted the card issuer to report the card as lost and ordered a replacement card. XXXXXXXX XXXX did not allow him to check his balance by phone unless he knew his full card number, which he did not have memorized. This initially prevented Mr. XXXX from realizing fraud had occurred. Mr. XXXX assumed the PIN number requirement would prevent fraud from occurring. However, a PIN is not required if the card is run as credit. Mr. XXXX noticed numerous fraudulent transactions were made on XX/XX/2021 - XX/XX/2021. Attached are details of those transactions. XXXX XXXX in general is very difficult to reach by phone as their phone tree does not often route to an Agent, regardless of the menu options you choose. XXXX XXXX has encountered this problem directly and we have received a strong pattern of complaints about XXXXXXXX XXXX from our customers. Their phone numbers reach Agents sometimes while other times they appear to be entirely unstaffed and waiting on hold is not given as an option to callers. Another issue is the requirement that you enter a card # to proceed through their phone menu. If you do not have the card #, it is difficult and often impossible to proceed to an Agent. XXXXXXXX XXXX also employs multiple choice questions related to credit history to authenticate customers over the phone. When trying to contact XXXXXXXX XXXX with Mr. XXXX on a conference call, despite Mr. XXXX answering the questions correctly, XXXXXXXX XXXX failed to authenticate him and therefore the Agent would not speak to us about his account. The Agent said our only recourse was to try again another day. This is unacceptable considering the long hold times and difficulty getting through to an Agent in the first place. We have not been able to authenticate since, basically blocking Mr. XXXX from disputing the matter over the phone. After receiving his replacement card, Mr. XXXX was finally able to check his balance. He found that it was much lower than it should be. At this point Mr. XXXX reported the fraud to XXXXXXXX XXXX immediately. This was well within the timeline afforded by the Electronic Funds Transfer Act ( EFTA ) ( 15 USC 1693 et seq. ). XXXX XXXX has not reimbursed the funds under the provisions required by the EFTA, despite numerous requests and complaints by Mr. XXXX. There is evidence that XXXXXXXX XXXX has engaged in a common deceptive practice to avoid reimbursing Mr. XXXX. XXXXXXXX XXXX steered Mr. XXXX towards filing disputes on only some of the fraudulent transactions while not filing disputes on two of the transactions that were in the middle of the string of fraudulent transactions. Mr. XXXX was very clear that he lost his card, therefore all charges after that time should have been disputed by the Agent that took his dispute over the phone. Later, XXXXXXXX XXXX claimed that by Mr. XXXX not disputing those two transactions, it shows inconsistent and conflicting information on MrXXXX XXXX part. This is an obviously false claim and is a way for XXXX XXXX to systematically avoid honoring the EFTA. XXXX XXXX has noticed this behavior by XXXX XXXX and many of our customers have reported similar experiences to us. For the record, the fraud started after the XXXX XXXX purchases on XX/XX/2021 and ended by XX/XX/2021. There are a total of 16 fraudulent charges totaling {$1000.00}. Our desired resolution is for XXXXXXXX XXXX to reimburse Mr. XXXX {$1000.00}. Please see attached documents for further details and a full accounting of the fraudulent transactions. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
02/18/2023	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 902XX	Web
My name is XXXX XXXX, I am a Small Business Owner that has been repeatedly targeted by XXXX XXXX XXXX for Financial Crimes and abuse. I have repeatedly requested in writing and by phone that Telecheck , Inc. a Division of Fiserv stop falsely reporting data on me, XXXX XXXX and my businesses XXXX XXXX XXXX and XXXX XXXX. I have previously opted out of all Fiserv data and I have requested that my data be removed from their Telecheck systems due to substantial evidence of fraud in their check reporting processes and procedures. I have evidence that Fiserv and TeleCheck Services, LLC allowed XXXX XXXX XXXX to illegally access my banking and financial data. This includes allowing XXXX XXXX XXXXXXXX and XXXX XXXX XXXX employees to create and send fake check history between merchants using my personal information and data. TeleCheck has facilitated and participated in recording illegal credit reporting activity on me XXXX XXXX. Telecheck is processing fake check data on transactions and bank accounts I know nothing about and reporting this data on Consumer Reports and to Merchants. Telecheck is facilitating and participating in aggravated Identity Theft and Defamation of Character against me because I am XXXX. On, XX/XX/2023 I attempted to pay XXXX {$100.00} USD from a real XXXX XXXX XXXXXXXX Account I own with over {$10000.00} USD available. I was surprised to be told by XXXX that there was a Telecheck Decline on my report. I have never written a bad check in my life and I have not written any checks for several years. I was told that there was no Telecheck Decline Code sent for the XXXX Transaction but that Telecheck was holding my transaction from processing. I was given the CASE ID XXXX by XXXX for follow-up with Telecheck at phone number ( XXXX ) XXXX A Telecheck Customer Service Agent named XXXX stated that the CASE ID XXXX under my name was related to a bad check for {$49.00} written to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TN XXXX. I have never written a check to XXXX XXXX XXXX and I have not authorized any Bank Transaction with this company. I have never purchased anything from this company. This is one of several examples whereby Telecheck is recording and reporting false information about me, XXXX XXXX, to banks and merchants like XXXX. It is unfair that my real valid transaction attempt at XXXX was blocked by a check written to a Tractor company I have never known. Summary of Issues with Telecheck, a Fiserv company 1 ) Telecheck refused to provide the name of the Bank whereby the Fake Check for the XXXX XXXX company was actually recorded. 2 ) Telecheck refused to provide a list of all Bank Accounts they have associated with me, XXXX XXXX and my XXXX XXXX XXXX XXXX and XXXX XXXX 3 ) Telecheck refused to explain why my valid purchase attempt through XXXX was blocked because of a fake and inaccurate transaction with a XXXX company in Tennessee I have never written a check to or processed any financial transaction with. 4 ) Telecheck refused to explain why they are illegally using my data after several requests to Optout and permanently remove all my financial data from Fiserv systems. Though the transaction amounts discussed today are small this process of misreporting and cross linking transaction data between a consumer and an unknown merchant allows for thousands even millions of dollars in retail transactions between banks and merchants to be misreported and hidden as fraud. The crime occurs by falsely linking transactions from an innocent party to that of a criminal allowed to illegally use the innocent party 's banking information at the point of purchase which is later hidden and misreported by Telecheck under a different individual 's name. This type of fraud is exactly what happened to me today. My real transaction at XXXX was falsely linked under my name to a transaction done by someone else at a XXXX XXXXXXXX company I have never seen, but was till somehow linked to me? Please Investigate this suspicious activity at Telecheck. Please have Telecheck stop blocking my valid financial transactions and causing my life undue stress and harm. Thank You, XXXX XXXX, XXXX Consumer being attacked by XXXX XXXX XXXX at Financial Institutions
07/21/2022	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	AZ 85234	Web
Money network XX/XX/XXXXXXXX I made an online purchase. After 30 days I began to inquire about the online purchase. The contact number wasn't in service and the website was no longer linked to any search engine. I contacted the card holder asking for any info they may have from the company via the transaction documentation. They also came to a dead end. I never received the intended item and the company looked to be a scam all together. I filed a dispute with the card holder which was denied due to me authorizing the online purchase. I began the appeal process & paperwork. At that the time I was renting a private room from the home owner as were XXXX other adult females each with private rooms while we shared common living spaces. The woman who I shared a bathroom with broke into both mine and the home owners private rooms and stold various items and information. On XX/XX/XXXX a charge for an XXXX prime account was made to my card & account among other things. I immediately filed a police report and called money network the card holder company to notify them so I can not only order a new card but also dispute the charge. It took the company over 30 days to issue me a new card. In the 30 days it took more unathorized charges were made to my account XXXX being a reoccurring charge to XXXX as well as XXXX and online people search sites. With recent and multiple unathorized charges made I called to request a dispute form for each fraudulent charge as per their policy. I made this request again a couple weeks later. Finally in the end of XX/XX/XXXX I received the forms in the mail. When filing out the forms specific dates and amounts were required for the proper documentation and in completion of the forms. With an online account profile made I logged in and went to the transaction details section only to discover only the last 60 days were listed and shown in detail. If detailed transactions were needed prior to the last 60 days I would have to make a request to the card holder via phone call only. XX/XX/XXXX I called money network and requested a detailed transaction statement for card/account associated with them for months of XX/XX/XXXX tru month of XX/XX/XXXX to be mailed to my new residence. A few weeks later I received more dispute forms but no statements to be seen. Over the next 36 months I requested the transaction history and statements XXXX every XXXX weeks totally XXXX times before I finally received the statements as well as the proper amount of dispute forms needed. After filling out the forms and faxing each page to the card holders dispute dept. along with police report I called to confirm they received all documentation and was told to call back in 3-5 business days at which time I can be given an answer. I called back like told and they said they did receive XXXX completed dispute forms and XXXX partial dispute forms which I had XXXX disputes forms faxed to the company. I had to request more dispute forms to be mailed to me once again in XX/XX/XXXX In XXXX of XXXX I moved and filed a change of address form. I called the card holder company when XXXX began and no dispute forms yet. I updated all contact info with the company and requested dispute forms again. I filled out the forms again and faxed the forms again only to be told they were denied due to information requested from me by the card holder dispute dept not being received. XX/XX/XXXX I immediately called the card holder and was able to speak with a supervisor who approved me to email my dispute claims and any information or documentation to the dispute department. Confirmation of the appeal request, dispute forms, and documentation being received with a 45 to 90 day time frame to complete the dispute process. XX/XX/XXXX I called and was told their system said XX/XX/XXXX was 90 days so I called back the XXXX and was told there isn't an answer. Every week for the last 4 weeks I call seeking resolution and as always I'm told there isn't an answer yet, an email is sent to the dept asking for an update and to call back in 3 to 5 days which I do
07/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
XXXX ) I purchased a XXXX XXXX for my XXXX brother so that he may better communicate with me while I travel. XXXX order XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the price of XXXX. XXXX ) XXXX then charged my checking account twice on the XXXX and XXXX I understand mistakes happen, it is the after effect that is the issue Caption XXXX ) I reached out to XXXX and they insisted they do not work on the check processes, so they could not help. I needed to go to the bank XXXX ) As instructed I went to the bank and disputed the overcharge which XXXXXXXX XXXX XXXXXXXX acknowledged and refunded on XX/XX/XXXX XXXX ) XXXX then decided to send me to XXXX XXXX. They wanted the XXXX overcharges returned. They also locked my account from making purchases while the dispute is being resolved. XXXX ) This is where it gets messy TRS recovery service and tele-check all point the blame at each other. XXXX ) When I contacted TRS recovery services they said they have no knowledge about the debit or proof that it is owed, but they have been informed it is valid and they should collect. However, I the consumer must prove my innocence and file documents that they may or may not accept. A debit collector should not be able to request a payment without proof of the money owed. They said I could reach out to XXXX or Telecheck ( their own company ) to get the proof and submit to them. However, if I did not they would start adding interest and penalties. Because XXXX messed up in charging my bank account, then I have to prove my innocence or be penalized. I reached out to telecheck - they responded with Inaccurate or unverifiable for other reasons I called tele check and they said yes, they can see the double charge, but I now need to resubmit the claims again and hopefully the second time it will go through. They could not reopen the last claim with the same information.= I have spent 10 hours of my time dealing with this mess caused by XXXX. This cesspool of file a claim here .... now try there ... .. hopefully over there. I understand debit collection is and can be an ugly process for valid claims. It is the fungus of the financial system. gross but necessary. However, there needs to be more scrutiny on invalid claims. A ) There need to be a penalty paid to the consumer of 25 % for filing invalid claims. Only then will XXXX and others ensure the debit is valid. As long as they can abuse the customer for profit they will. B ) The debit collector needs to provide proof of debt in order to request relief. C ) The debt collector needs to support more than fax or physical mail. They need to support electronic submissions. D ) XXXX locked my account paid on a yearly basis ( for 12 months of usage ) and refuses to agree to extend the account expiration and rending the account unable because of their error. If they block an account for an invalid reason they should automatically extend the life of the account. E ) When a financial institution such as XXXXXXXX XXXX XXXXXXXX, submits a fraud claim XXXX should be forced to resolve the issue with the Bank and not be allowed to send the user to collections for at least 30 days. XXXXXXXX XXXX bankers have been trying to be my advocate through the process, however, they do not have a clean process to challenge and file a claim on the customer 's behalf in a way that drives action on the XXXX side. Even if XXXX sells off the debit they should be required to participate in fixing the issue. F ) As a consumer, I would love to know how much a company is submitting in fraudulent/invalid claims against consumers. It should be a published metric for a company. An excessive amount should be met with a penalty and or investigation by the cfcb. G ) XXXX XXXX should be required to provide their legal office on all communications in case a consumer needs to resolve this through small claims courts.
10/19/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89121	Web
On XX/XX/XXXX XXXX placed a hold on my account with them and sent me this email Your XXXX account is temporarily on hold Hello, We have detected unusual payment activity on your XXXX account. For your protection, we have placed your account on hold temporarily and placed any pending orders or subscriptions on hold as well. If we are unable to confirm your payment information within 72 hours, your pending orders will be canceled. Your account will remain on hold until we are able to confirm that you are the authorized owner of the payment method used in the recent transaction. To restore access to your account, sign in to your XXXX XXXX XXXX account and follow the on-screen instructions. Once you have provided the required information, we will review it and respond within 24 hours. We apologize for any inconvenience this may have caused. Sincerely, Account Specialist Which I did what they requested and I received this email on XX/XX/2021 Your XXXX account : response required Hello, Thank you for your response. We have reviewed the information you provided but we were unable to verify ownership of your visa payment ending in XXXX because the documents provided did not have transactional details. Your account is still temporarily on hold. You can resolve the issue by signing in to your XXXX XXXX XXXX account again and following the on-screen instructions. When uploading a document to verify ownership of a payment method, be sure that the name, address, payment type, and relevant transaction information are clearly visible. For your security, only display the final 4 digits of the payment method number. Please share your information promptly so that we can verify the payment and restore full access to your account as soon as possible. Sincerely, Account XXXX XXXX XXXX XXXX XXXX Again I completed what they asked of me and on XX/XX/XXXX then I received this email Hello, XXXX 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 recenXXXXorder ( s ). There are some common reasons why this may occur. These include mistyping 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 phone call from TRS Recovery Services about this issue. This contact was authorized byXXXX Most processing errors are fixable with some simple changes to the electronic funds transfer request. To provide the information necessary to reprocess this transaction, contact TRS Recovery Services toll-free at : -- Within XXXX -- Outside of the U.S., please callXXXX Hours are Monday through Thursday, between XXXX XXXX and XXXX XXXX XXXX, or Friday and Saturday between XXXX XXXX. and XXXX XXXX XXXX. Both TRS Recovery Services andAmazon.comappreciate your response and attention to this issue within the next 3 business days. Once you have addressed this issue with TRS Recovery Services , Inc., please allow 2 to 3 business days for your payment to clear. We have placed your XXXX account on hold pending resolution of this issue. You will not be able to access your XXXX account or 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. Sincerely, Account Specialist XXXX XXXX XXXX XXXX ========================= Which I have contacted both TRS Recovery and XXXX and verified that the transaction wasn't something I had purchased from them. Which I am a victim of identity theft which I have already let both companies know that as well. I have XXXX XXXX that I pay for can't use it and can't even access it.
02/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80211	Web
Step 1 : What is this complaint about? Fraud on behalf of a company, after following steps to correct it has still taken place. Identify theft. Step 2 : What type of problem are you having? I believe that both TRS Recovery Services ( TRS ) and XXXX are in violation of The Fair Debt Collection Practices Act, specifically related to Repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone. I have already spoken with both these companies and addressed the fraud and have asked them to stop calling however they have continued to call me and forward the fraudulent information to other third-party collection agencies. Additionally, they knowingly are allowing the passing of bad checks with no proof of identification when doing so allowing them to grow the amount owed in collections. Step 3 : What happened? I, XXXX XXXX have been victim to what I believe is identity theft, on the 1st and 2nd day of XX/XX/XXXX XXXX checks were passed by someone at XXXX Check Number XXXX, XXXX, and XXXX. I was then contacted by two collection agencies by the name of TRS Recovery Services ( TRS ) and XXXX stating that I had passed a check that bounce. However I do not own checks nor have I written a check in the last seven-plus years, I spoke with both companies and I then gave them information to verify they had the correct person upon giving information they informed me they could not find anything that connected to my identification. When I ask that this be removed and that they stop calling me regarding this they instructed me to complete an online dispute I completed that and then one account was closed for fraud. On today XX/XX/XXXX I received a call from another third-party collection agency that notified me that I had an outstanding balance of $ XXXX I let them know I had not written any check and that this had to be incorrect when I spoke to the third party collection agency they had no correct identifying information for me outside of my Phone Number, and Address ; the name they had for me on file was spelled incorrectly, drivers license number they had was incorrect, email was incorrect and furthermore, on the date of XXXX I was in the process of moving from XXXX XXXX XXXX my wife and I did not stop at XXXX nor did we write a check. When I asked for proof of the checks I was told they did not have them and that I would need to reach out to compliance to get any information they have related to this account, I provided information that I received from the third-party collection agency to TRS Recovery Services ( TRS ) and XXXX both said they had no account information. Again on today XX/XX/XXXX, I spoke with all companies who failed to provide me with any information that is related to me, the third-party collection agency provided me with a bank account number of XXXX and routing a number of XXXX this lead me to XXXX XXXX XXXX XXXX, I reached out to them they said that they had no account by that number and that it was all incorrect information I even provided them with my name, and SSN. I strongly believe that this company is allowing checks to be passed that they have been advised are fraud, they have never contacted me regarding any of this information until it has been moved into collections I believe this company is attacking people and are stealing money from people this way, please help me get this resolved it is having a negative effect on my credit. Step XXXX : What company is this complaint about? XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX. XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Trs Recovery Services , Inc . XXXX XXXX XXXX XXXX XXXX, GA XXXX Step 5 : Who are the people involved? XXXX XXXX
08/12/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA 92346	Web
On XX/XX/2021 I was getting off work Tried to use my debit card and card was declined so I freaked out and right away checked my account as I checked my account I noticed on my bank statement that there was a transaction for {$290.00} made out to XXXX market I had been at work the whole day I called money Network to find out about this unauthorized transaction they told me they would do an investigation three days later I called to find out about the investigation they told me that my investigation was closed because I have shopped at that store before I then it sent in a request to re-open my dispute the transaction was made at XXXX XXXX Pacific standard time the first time I called the lady told me that the transaction was made at XXXX XXXX Pacific standard time I then explained to them that that was impossible because the XXXX that the transaction was made at doesnt open until XXXX XXXX and closes at XXXX XXXX they told me it was a purchase made in the store I went to XXXX took my bank statement I had a manager try to look up the transaction with my card number but the transaction it was nowhere to be found in their system he told me to try going back in 48 hours XXXX XXXX Pacific standard time the first time I called the lady told me that the transaction was made at XXXX XXXX Pacific standard time I then explained to them that that was impossible because the XXXX that the transaction was made at doesnt open until XXXX XXXX and closes at XXXX XXXX they told me it was a purchase made in the store I went to XXXX took my bank statement I had a manager try to look up the transaction but the transaction was nowhere to be found in their system he told me to try going back in XXXX hours I called the XXXX debit department which handles any transaction made by XXXX I called three days later they also could not find a single transaction with that debit card they gave me a case number I sent it to money Net work after my second dispute they declined my dispute again telling me that they will not do a further investigation I called and spoke to a supervisor named XXXX he told me they will not try to contact the merchant they did not a single investigation to try to find out if it was a fraudulent charge I basically begged them to please do a further investigation then I had a supervisor tell me that it was an ATM withdrawal I explain to him its impossible that it would be an ATM withdrawal since The ATM inside of that store is not a XXXX ATM and only dispenses XXXX bills and {$20.00} bills So there would be no way to pull out {$290.00} it is also impossible since the store doesnt open till XXXX XXXX and the transaction was made at XXXX XXXX Ive had different representative tell me different things they close my dispute without doing a single investigation I spoke to different supervisors and they simply told me they will not contact the merchant so basically they will do nothing and XXXX told me they can not help me because of the simple fact that my transaction is nowhere to be found in their system They told me to have my bank call them with the case number they gave me so they can explain to my bank that there is no record of that transaction but they refuse to call the merchant or do any further investigation iam a victim of a fraud and my card company will not help me and I find it very weird that they will not do a single investigation and that transaction is nowhere to be found through XXXX I was told by the XXXX debit department That any transaction made to XXXX even if it was online would automatically go to their department and they would have a record of it
03/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	RI 02889	Web
In XX/XX/XXXX, I made a purchase from XXXX using a " pay from my checking account '' option. I accidentally selected the wrong account, and the payment was declined. I immediately contacted XXXXXXXX XXXX check recovery agent, TRS Recovery ( a division of TeleCheck ), and paid the amount back in XX/XX/XXXX. Somewhere a breakdown of communication happened, and XXXX did not receive the notification that I had paid the account, and as such, XXXX is cancelling ALL of my orders by ANY payment method, with the following email : " We canceled order # XXXX due to your outstanding balance with XXXX . Our records show that you have unpaid orders that were placed using electronic bank account transfers. We can not fulfill any new orders until you contact TRS Recovery Services to pay your account balance. XXXX uses 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 orders. There are common reasons why this may occur. These include mistyping account numbers or routing numbers, omitting digits to account numbers, or recent changes to your financial institution 's ABA Routing Number or account number structure. You may be receiving, or have already received, a phone call from TRS Recovery Services about this issue. This contact was authorized by XXXX. Most processing errors are fixable with simple changes to the electronic funds transfer request. To provide the information necessary to reprocess this transaction, contact TRS Recovery Services toll-free at : Within U.S. : XXXX Outside the U.S. : XXXX Hours are Monday through Friday, between XXXX a.m. and XXXX p.m. XXXX, or Saturday between XXXX a.m. and XXXX p.m. XXXX. Once you have addressed this issue with TRS Recovery Services, allow 2 to 3 business days for your payment to clear. We will remove the hold from your XXXX account when TRS Recovery Services confirms that the amount in question has been paid in full. Sincerely, Account XXXX XXXX '' I have contacted TRS Recovery Services, and they have confirmed that the amount is paid in full, and has been paid in full since XX/XX/XXXX. TRS Recovery claims they do not have a method to re-notify XXXX of the payment. I have contact XXXX customer service no less than XXXX times at XXXX and every time they tell me " someone from their accounts department will contact me '', and every time, nobody does, and my account remains blocked from placing any orders, demanding that I pay a bill that has already been paid in full. I even offered to pay it AGAIN but TRS Recovery says that's not possible because its already been paid. XXXX still continues to collect payment for my XXXX XXXX service, most recently on XX/XX/XXXX even though they will not allow me to place any orders on my account. I most recently contacted XXXX today, spoke to a supervisor ( named XXXX ) who claims all he can do is send an email to this accounts department and someone will contact me within 24 hours. This is the same thing they do EVERY TIME I call, and nothing has gotten resolved for 4 months now ... even though I've told him this is what we've done the last 4 times I've called, and that the problem is never resolved and they never call me back. I informed him at this point, I have no choice but to file a complaint with the CFPB for their unfair debt collection practices of blocking my account until I pay for a debt that has already been paid in full months ago.
06/28/2023	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	IL 60654	Web
Dear Consumer Financial Protection Bureau, I am writing to report a deeply troubling and distressing experience I have had with Money Network Financial, specifically regarding the closure of my account, the delayed refund process, and the subsequent bounced check. This incident has had a severe impact on my financial well-being, as the deposited amount in the Money Network account was my paycheck, which I rely on to cover my rent and living expenses as a new graduate residing in the costly city of XXXX. On XX/XX/2023, I contacted Money Network Financial to request the closure of my account which has an amount of {$30000.00}, as I had made the decision to switch to a different financial institution. The representative acknowledged my request and indicated that the account would be closed and the deposit refund processed by XX/XX/2023. However, despite the account balance reflecting XXXX, I did not receive the refund check until XX/XX/2023, after a distressing wait of 53 days. During this prolonged period, I reached out to Money Network Financial 's customer service numerous times, expressing my frustration and the urgent need for the refund to cover my rent and living expenses. Regrettably, instead of addressing my concerns and providing transparent information, their representatives consistently offered false explanations and made up excuses for the delay in issuing the refund check. These dishonest practices only heightened my distress, knowing that I would not have sufficient funds to meet my financial obligations. Finally, on XX/XX/XXXX, I received the long-awaited refund check, which I immediately deposited into my XXXX XXXX account XXXX XX/XX/XXXX. However, to my utmost astonishment, on XX/XX/XXXX, I discovered that Money Network Financial had bounced the check, amounting to over {$30000.00}, without any explanation or justification. This deliberate action of bouncing the check by Money Network Financial, a supposedly FDIC-insured financial institution, can only be described as an act of fraud and deception. I am aware that there are regulations in place to ensure prompt resolution and protect consumers in such situations. Under the Uniform Commercial Code ( UCC ) and the Electronic Fund Transfer Act ( EFTA ), banks are obligated to exercise good faith, use reasonable care, and honor their contractual obligations to customers. Dishonoring a check without a valid reason can result in legal and regulatory consequences, including liability for damages incurred by the customer. Given the severity of the situation, I kindly request the Consumer Financial Protection Bureau to initiate a thorough investigation into Money Network Financial 's practices. I believe that their actions, including the intentional bouncing of a substantial check, not only violated banking regulations but also demonstrate unfair, deceptive, and potentially fraudulent behavior. I implore the Bureau to take appropriate enforcement actions, including imposing penalties, fines, and other disciplinary measures to hold Money Network Financial accountable for their actions. Additionally, I request that you ensure restitution is made to affected customers who have experienced financial hardship and stress as a result of this egregious misconduct. Thank you for your attention to this urgent matter. I eagerly await your response and trust that the Consumer Financial Protection Bureau will take swift and decisive action to address the concerns raised and protect consumers ' rights. Sincerely, XXXX XXXX
08/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 775XX	Web	Servicemember
XX/XX/XXXX : Received Debt collection letter via usps from TRS recovery services. States : As of XX/XX/XXXX, I owe XXXX XXXX under acct. no. ending in XXXX for {$1900.00} plus {$30.00} in fees. total amount of debt {$2000.00}. ( totals do not match, XXXX + XXXX is XXXX ). I responded immediately online to their site stating this is not my debt. My XXXX XXXX account is in good standing. I called XXXX XXXX as well, they stated I have no outstanding debt with them. Within XXXX days, I also mailed the original letter back stating this was not my debt, I want to dispute. They sent back letter saying a check ( XXXX, dated XX/XX/XXXX to XXXX XXXX XXXX was forged in my name for {$1900.00}. they do not have enough info. to begin investigation, and asked for my social security number, bank account numbers and phone numbers. ( I did not give that sensitive Information to them ). I did inform them, based on the info they sent me, there was no way it was me because my last name was different in XXXX. Also, I have never written a check at XXXX XXXX. I use my XXXX XXXX card. I also asked for a copy of returned check so i could check signature and file a police report. I received a letter on XX/XX/XXXX, stating on XX/XX/XXXX, check # XXXX was written to XXXX XXXX in amt. of {$1900.00}, with a fee of {$32.00}, debt totaling {$2000.00}. The transaction was returned unpaid by the bank and assigned to XXXX for collection on or about XX/XX/XXXX. ( The original collection letter I received was on XX/XX/XXXX. According to this letter, they hadn't even been assigned this debt for collection until XX/XX/XXXX. And now the year of said debt is XXXX, not XXXX like they originally stated. ) They could not provide with a copy of returned check. They instead sent a receipt image from XXXX XXXX from XX/XX/XXXX in XXXX, XXXX ( I was not in XXXX, XXXX on XX/XX/XXXX and I've never set foot in a XXXX XXXX XXXX ) and the " signature '' they sent was a screen shot of a scribbled line as customer signature, where apparently someone signed XXXX XXXX electronic point of sale monitor for a XXXX XXXX cardholder agreement purchase. ( I thought this was a bad check? not someone that paid with a XXXX XXXXt card. Also, the expiration date of this signed cardholder agreement sale shows XX/XX/XXXX. XXXX XXXX cards do not have an expiration date ). I've never had a check come back. I have checked and double checked with all my banks, and not XXXX check has come back. TRS does not seem interested in working with me. The are pressing me for bank account numbers, routing numbers, social security number, and say the only was they can help with my complaint of forgery is to provide them all of this highly sensitive information. Then they can investigate. I will not give this info. to them. I do not know how these tactics are legal, especially giving all the inconsistencies with the debt they are trying to collect. I would like to stop being harassed by this horrible, lying company. They have XXXX proof this was my debt and seem to be making up false information to pen it on me. End of XXXX, a {$3.00} XXXX class action settlement was reached between TRS Recovery Services Inc, and TeleCheck Services , Inc. with consumers who allege they were sent misleading collection letters when they didn't actually owe any money. I am interested in hearing from anyone else out there having these same exact issues with these people who were already sued and lost. Apparently they did not learn their lesson and need to be reminded.
03/28/2023	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble using the card to spend money in a store or online	NC 27614	Web	Servicemember
This dispute and complaint is in regards to a taxpayer funded economic impact payment distributed by XXXX aka Money Network. I am more than frustrated as I write this in an attempt to receive funds that were due and payable back in XXXX of XXXX as I was eligible for an economic impact payment. I never received an EIP card at that time and/or delivered it to the trash as it was not sent from the United States Treasury as previous payments had been. There were multiple scams going on during that time frame so Im sure you can appreciate any misunderstanding. Regardless, it was not until XXXX of XXXX that I was advised by the IRS that I did not claim said payment on my tax return and I was assigned penalties and interest that further escalated my tax obligations. If you have ever dealt with the IRS, I'm sure you will understand that over the course of the next 6-9 months, I had called to deny these payments, and after waiting on hold for 3-4 hours or longer, had given up several times before I finally spoke to a representative only to be told that I had contacted the wrong agency and needed to contact the Economic Impact Payment center at a completely different number. Upon additional calls and wait times I was advised that my payment was not sent as a check but rather distributed by XXXX aka Money Network via a prepaid debit card. At that time the IRS associate referred me the XXXX number for XXXXMoney Network XXXX When calling XXXXMoney Network and using the phone prompts as instructed, I was disconnected several times as the option available for a card that was never received disconnects. It was only when I followed prompts for lost or damaged ( assuming responsibility ) that I was able to enter personal data, and the system at that point revealed the dollar amount of funds retained by Money Network on my behalf. Two new cards were issued and sent to my address within 3 weeks. The envelope received from the USPS was not compromised. Two EIP cards were sent. Activation of the first card went well and that balance was ultimately transferred to my personal checking account. Upon attempting activation of the second card ending in XXXX, the system denied me and sent me straight to a representative. I was informed that the balance of this card had been compromised and spent at XXXX, XXXX, and XXXX in California, where I have not been or ever resided, for the total balance of {$1900.00}. These transactions happened prior to me receiving the card and ultimately attempting to activate. It is clear to me that this is an internal issue with XXXX aka Money Network and I am truly disappointed I am spending my free time dealing with Money Networks internal issues. I have spent hours tracking down this payment, lost income due to penalties and interest with the IRS, and additional monies that may have been acquired or earned as XXXX invested and utilized these taxpayer dollars over the last several years. No one had access to this card when issued other than Money Network and the USPS. Ultimately after disputing these transactions with Money Network, I was required to file a dispute form which Money Network sent out via USPS. Once received, I filled out Money Networks dispute form and returned with a letter of explanation. 3-4 weeks later I finally received a response from Money Network denying my claim due to " Digital Validation ''. It is clear to me that XXXXXXXXMoney Network has a process by which to steal tax payer money and I would guess I'm not alone.
03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95628	Web
Telecheck is not allowing any of my check transactions at the merchants in which they provide their check screening services to ever go through regardless of the amount of the check or the fact that I have absolutely no negative information in their database to date. Every time I attempt to write a check from my XXXXXXXX XXXX XXXX account ending in XXXX, they always decline my check at the point of sale, mainly at XXXX stores with a reason code of : 3. I found out that this reason code is given based on when a consumer falls outside of their " Risk Guidelines '' but has nothing to do with a consumer having any negative check writing activity in their files. When I call telecheck 's customer service, I get absolutely nowhere with them. First they tell me to write a check for a smaller amount so that I can establish check writing history, so I do just that. I wrote a check for like {$5.00} at XXXX and wouldn't you know it? It gets declined. So then I call back and they tell me that they need more information about my bank account and myself. So I spend a good 45 minutes answering their questions while they associate me with my bank account and while they call the bank to verify that I am indeed the owner of this account. When everything is finished, they tell me to go back in and try to write another check as it should go through now that they have verified my bank account, and guess what? It gets declined once again. I am beyond fed up with dealing with this company and their discriminatory screening practices. I jump through all of their hoops just to get declined each and every time with them. It does not matter what the check amount is, or whether my account is verified, or how I have no negative check writing activity in their files. None of that matters because no matter what, I always seem to land in their High risk category and then get a decline and have to deal with the embarrassment at the check out line as others stand there and watch everything happen as my check gets declined once again and without any real reason or justification. It is frustrating and I am genuinely sick and tired of this company repeatedly flagging my checks and never allowing a single one to go through because of their ridiculous risk algorithm that they use and are so proud of. This risk model is absolutely garbage and it singles out good, normal, and honest consumers like myself just because it feels like it. They honestly should be investigated for acting like they are God when decent humans try to use their perfectly good checking accounts with plenty of money in it just to write a check because it is convenient and so that we don't have to risk carrying around with us a lot of cash so that we become victims to being robbed or for whatever other reason that we might have to not want to have to carry around extra cash like that or may not have access to our debit cards for whatever our reasons might be. This is why banks issue checks to go along with our checking accounts but then we can not even use them like normal humans when we decide that we need to use it as a form of payment. This needs to be put to rest and they need to be more lenient in their check screening models for consumers that have no bad checks outstanding in their database. Simple as that. I am sure that I speak for millions of other consumers out there when it comes to dealing with this company and getting declined for no apparent reason.
01/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 386XX	Web	Servicemember
I received a Notice of Debt Collection from TRS Recovery Services ; hereinafter known as TRS, on XX/XX/XXXX. The notice indicates that TRS is attempting to collect a debt originating with XXXX XXXX. XXXX ; in the amount of {$390.00}. The Notice references an account ending in XXXX. However, there is no indication of the type of account this is. I have no credit or banking accounts ending in the number XXXX. Also, I have not shopped at XXXX store # XXXX. Nor do I have any idea how to get to the store. I looked the store number up via a web search ; which appears to be in XXXX, MS . This store is at the opposite end of the state of Mississippi from my residence. Also, I have never received any type of correspondence from XXXX regarding a debt or account. The letter from TRS was my first notification. I contacted TRS via telephone this and spoke with a customer service rep to inform them that I am concerned about identity theft in this case. I asked to speak with someone in their fraud department. She informed me their fraud personnel didn't discuss cases over the phone and that I would have to submit a form on their website. The rep also could not provide me with any information on the originating documents. Based on the very limited information provided to me by TRS, it looks like this may currently be a fraud issue involving a checking/savings account or fraudulent checks written to XXXX. I am a current victim of identity theft. My personal information was exposed due to a data breach with the United States Office of Personnel Management. Later, my identity was exposed through the XXXX data breach. Subsequently, I have experienced several previous fraudulent attempts to setup checking and investment accounts using my personal information. The previous instances are as follows : XXXX XXXX Fraud Dept . case number XXXX Disputed XX/XX/XXXX. I placed an alert of identity theft with credit reporting agencies. This was a fraudulent attempt to open a checking account in my name. XXXX XXXX held me harmless. XXXX XXXX XXXX XXXX Fraud Dept . case ID : XXXX Disputed XX/XX/XXXX. I also submitted a report to the Federal Trade Commission under reference # XXXX. This also appeared to be an attempt to open checking or savings accounts up using my identity. XXXX XXXX XXXX XXXX closed the case in my favor. XXXX XXXX XX/XX/XXXX. This was an attempt to open investments and brokerage accounts using my identity. I contacted XXXX. They were able to close the accounts and closed the case in my favor. Since the accounts were opened using the internet, I filed an Internet Crime Complaint with the Federal Bureau of Investigation via their internet crime complaint form on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX Disputed XX/XX/XXXX. I was notified of the application by the credit union prior to the establishment of any account ( XXXX ) They closed the accounts and case in my favor. I also reported the incident to the Federal Trade Commission under reference # XXXX. I alerted the 3 credit reporting agencies of the identity theft again in XX/XX/XXXX and had another alert placed on my credit reports for financial institutions. If any of the above referenced cases had been successful, there could have been substantial theft, banking and wire fraud, along with potential money laundering. This is also very burdensome in attempting to protect myself legally and financially.
04/27/2021	No	Checking or savings account Checking account	Managing an account Problem making or receiving payments	CA XXXXX	Web
XX/XX/2021 Consumer Financial Protection Bureau, I have been harassed with numerous emails, and collection letters from Fiserv which is a third-party bill pay provider for XXXX XXXX XXXX XXXX. Now I have received a collection letter from XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Located at XXXX XXXX XXXX, XXXX, OH XXXX I chose to stop payment on three checks which was processed by XXXX XXXX while I was present at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, CA. I heard the conversation that she had with the online banking office and she assured me that the payments would be stopped. I did not have the checks in hand, and they could still be deposited on a later date, therefore, Ms. XXXX asked me to close the account and open a new one, and I followed her advice. I continued to monitor my account and noticed that one payment had been processed, therefore in good faith, I reconciled my account and made a deposit to cover the overdraft. Then I called XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and spoke with XXXX XXXX and asked her to close my account while it was in a positive balance. She agreed that it would be the best thing to do, she refunded the overdraft charges and closed my account then sent me a check for the remaining balance. Then when I made an attempt to open another account, they refuse to do that for me. I continued to receive collection notices after I closed my account, via usps and by email from Fiserv and made several attempts to resolve the issue with both XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX at Fiserv to no avail. Needless to say, at this point I was completely frustrated with their unprofessionalism, lack of concern, lack of effort and practical accounting skills to resolve the issue. Then I returned to the bank and cashed the check and asked Ms. XXXX to print me copies of every statement because I was locked out of my account. I must say that XXXX XXXX XXXX XXXX closed the account in good standing, reconciled my statements and sent me a check. This is proof in itself that I do not have an outstanding balance. Furthermore, I do not have an account with Fiserv, and I dont even know who they are. Based on Conversations and emails I now know that they are third-party payment processing company for XXXX XXXX XXXX XXXX. These companies obviously can not manage their own business and have internal issues in their accounting department. Fiserv claims that I owe money to them for money received by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX denies receiving the payment. Is it not possible for them to communicate through their payment processing agreements? I find it quite comical that these three companies can not come to an agreement and continue to ignore the situation. I can only assume that their accounting systems are completely out of whack and they, dont know where they stand. XXXX XXXX XXXX XXXX records indicate that my account is in good standing and XXXX XXXX XXXX XXXX has provided me with receipts that they did not receive the payment. The bottom line is that Fiserv is either attempting to commit fraud or cover up their own embarrassing mistakes. Although I have made several attempts, they refuse to work with their partners to resolve the issue. Therefore I request that this complaint be made public so that other people can learn from their mistakes and not fear the collection companies.
05/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33319	Web
Dear Collections and Consumer Relations Dept. : I was recently informed of negative information reported by the following list of banks listed below included in the file XXXX maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a Checking Account Fraud in XX/XX/XXXX. I am unaware of ever having all the following checking accounts listed below. Please validate this information with all the banks listed below and provide me with copies of any documentation associated with this Account bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Your Address Sincerely, XXXX XXXX XXXX XXXX XXXX ID : XXXX XXXX XXXX Bank Name : XXXX XXXX Ref # : XXXX XXXX Number XXXX XXXX Account Number : XXXX Incident Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXXXXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX {$490.00} XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX Texas XXXX XXXX XXXX Account Fraud Bank Name : BRANCH BANKING XXXX XXXX XXXX XXXX XXXX : XXXX Account # : XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX {$520.00} XXXX XXXX {$460.00} XXXX XXXX {$5.00} XXXX XXXX {$25.00} XXXX XXXX Reason : Checking Account Fraud Bank Name : XXXX XXXX XXXX Bank XXXX # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXX XXXX XXXX Bank XXXX # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXX XXXX Bank Routing XXXX : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXX XXXX Bank Routing XXXX : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name XXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud
11/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR XXXXX	Web
My bank account was hacked on XXXX XXXX. As a result, I froze my accounts and opened new ones. The new accounts were not secure, and as a result I closed my account XXXX XXXX. I have just turned XXXX, and have no credit cards, loans or outstanding debt of any kind. However, I have recently received fifteen letters from TRS Recovery Services, INC which detail fraudulent charges totaling {$710.00}. These charges are in the form of checks to XXXX, a company that doesn't accept checks, from the company XXXX, a company that doesn't give out checks but looks to see if they are valid. The earliest apparent charge came from XX/XX/XXXX, a date when my account had been hacked and frozen and in the process of being closed. In a conversation at XXXX XXXX on XXXX XXXX, a representative from TRS Recovery Services , INC informed me that the only verification process this debt collection agency requires of those seeking reimbursement for outstanding claims is a valid bank routing number and bank account number. This is exactly the information that the people who hacked my bank account possessed, and I feel certain that they used this information to create false claims against me - claims which TRS Recovery Services, INC took up and pursued, with little regard for the validity of the claim. I contacted XXXX and there is no record of an account in my name and no record of any outstanding debt owed. When I attempted to retrieve information from XXXX in a phone call at approximately XXXX XXXX on XXXX XXXX, I was first disconnected from the representative who was helping me and then subsequent calls were never answered. Both TRS Recovery Services, INC and XXXX require Name, Birth Date, Social Security Number or Military ID, Bank Account Number, Bank Routing Number and Address before processing reports of fraudulent claims, inquiries, or any other request for further information about debts they are attempting to collect. Clearly, such companies pose a threat to individuals willing to provide such sensitive information and, due to the fact that they issue debt collection notices ( a veritable flurry of them! ) from third party clients who only have to provide bank account numbers and routing numbers ( even of bank accounts that have been closed ) they are undoubtedly pawns for hackers. The webpages for TRS Recovery Services INC and XXXX are replicas of each other, right down to the same forms and same personal information requested. Anyone filling out one of their basic forms would be exposing themselves to probable identity fraud. These two companies ( TRS Recovery Services and XXXX ), if indeed they are two separate entities, should be investigated. I will not pay them a dime, and I hope they will stop sending me piles of debt collection notices. I have never received a bill of any type ( nor have I ever used the services ) from the company Lyft, which TRS and XXXX list as the originator of these charges. Far more likely, the hackers who compromised my bank account initiated the debt collection under the false name of XXXX and these two companies happily complied with their fraud. Imagine how many people, scared and intimidated by these official-looking letters, pay up and deliver sensitive information to these two companies!
09/25/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unexpected or other fees	OH 43026	Web
Shortly before XX/XX/XXXX my mortgage was transferred to a new provider, XXXX XXXX. A Bill Payment was submitted to Fiserv to withdraw funds from my XXXX account and make the payment to XXXX XXXX no later than XX/XX/XXXX. Several other payments were scheduled for payment by their due dates including XXXX Credit Card on XX/XX/XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. On approximately XXXX I received noticed that my XXXX XXXX mortgage payment was past due. Checking my XXXX bank account I see that they payment was check was cashed on XX/XX/XXXX and recognized that a proof of payment was needed so that XXXX XXXX could post the payment to my account. On XXXX I called Fiserv to have a proof of payment sent. They transferred me to XXXX Bank at which time the XXXX representative verified the merchant and the amount and informed me they would take care of it. On approximately XX/XX/XXXX I received notification via phone from XXXX XXXX that they had received the proof of payment and on XX/XX/XXXX I confirmed that the payment had been applied. Unbeknownst and without notification to me XXXX had actually filed a dispute for the amount, ACH R11 return code, as well, and a reversal took effect and returned to my XXXX account on XX/XX/XXXX. On XX/XX/XXXX I received a notice from XXXX XXXX XXXX that my payment was past due. We checked my Fiserv XXXX XXXX XXXX account and noticed that the account was frozen because we were unable to withdraw funds from your payment account which I was informed was because of the R11 return. I called Fiserv and they were closed. I called XXXX and the person told me that they dont have the ability to submit a reversal and that I had requested the reversal. On XX/XX/XXXX I called Fiserv to attempt to unlock my account. They informed me that the function to submit proof of payment and file a dispute are on the same screens and that at the end of submitting the payment information, a human error was made and they had inadvertently clicked dispute causing the reversal process to start. I informed them that in not confirming their actions they had locked my account and caused other payments to be late as a result. To date, I have incurred over {$110.00} in late fees and interest charges and most likely took a hit on my credit score as well. She said she would need to consult with tier 3 on what could be done. When she returned, she said that since this was not their Bill Pay system that, in fact, the mistake they made was actually caused by Fiserv because Fiserv was supposed to handle the proof of payment and should not have transferred the call. She referred me to Fiserv to be reimbursed for the fees that I incurred. I asked to speak with her supervisor. Once transferred I was given the same information but the supervisor did say she would file a complaint and try to work with Fiserv on resolving. She said that their process is supposed to take several business days. I asked for the XXXX address to file a complaint and then proceeded to submit my complaint to the Consumer Financial Protection Bureau. I plan to also reach out to Fiserv but anticipate a similar response pointing me back to XXXX instead. I am looking to be made financially whole by the two responsible parties.
11/06/2021	Yes	Checking or savings account Other banking product or service	Managing an account Cashing a check	IL 628XX	Web
I went into The XXXX XXXX store in XXXX IL last night to get some groceries after work as I was out of everything. I shopped and got all unloaded a large cart full and they bagged all and I paid them with a check from my personal checking account. The girl then said the machine would not take the check and was acting up and she tried several times and said it has been doing this to alot of people, mainly because they want all to get rid of their checking accounts and use plastic only, which I agree with her on, she also said their machine is old and keeps acting up. But reassured me it was not on my end but theirs. Although I wondered after I just filed a complaint with your office against XXXX who have stolen {$25.00} from this same account and I have disputed that charge with my bank to get it back, they also lied their heads off to you and said they never got the payment, but they did the bank verified it and I have screen shots of it. This time it was Telecheck that was declining my check. She then called the manager and told her the machine was acting up again and she told her to open the lid and blow into it to get the dust out. It still would not go through so not only did I waste two hours of my night shopping for bargains carefully for nothing, but these girls had to spend another hour or more putting all back and it was near closing time!! I work for XXXX XXXX XXXX XXXX XXXXXXXX XXXX 12 hour days, all week long on top of my two hour a day commute and I AM XXXX OFF!!!! This is XXXX that you guys are allowing these crooks to get away with stopping everyone 's access to their money for NO REASON!!!! I want them fined and SHUT DOWN!!!! Everyone in this country are sick and tired of these idiots falsely accusing people of having bad checks or fees they are intentionally deceiving the public and when we go to call the number they give XXXX and give them the code they gave you XXXX it then tells you they need more information like your DL number and SSN!! I am not giving them ANY of my personal information, they are intentionally falsely accusing people then stealing this information from them and selling it on the dark web for money I KNOW what they are doing!!!! It is First Data Corporation and they have been in trouble with the regulators many times and sued for billions yet they continue to commit this fraud!!! SHUT THEM DOWN!!! I want you to contact them now and make them remove my information from their data base and send me a copy of anything they have in their database on me, they are breaking the FCRA and I am not only going to report the to you and the FTC, but sue them and XXXX both and tell everyone I know not to do business with any business who uses either of them!! The XXXX XXXX already lost my business now for this reason!!!! This is going on all over the country people who make good incomes, who have lots of money in their accounts, having their checks being declined and being humiliated, stalked and harassed by these crooks for NO REASON other than them claiming, it just does that at times or if you have had identity theft in the past happen to you it will do this, or you don't use checks enough etc. IT IS NONSENSE and it is time they both be sued and SHUT DOWN!!!!
05/26/2023	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	CA 94606	Web
The California state government sent its residents a Middle Class Tax Refund late last year, and some of these cards were sent as prepaid cards. The state government had an agreement with Money Network that the debit cards would include chips to prevent fraud, but Money Network mailed cards without chips over the holidays. I was one of the recipients of these chipless cards, and while I was out of the country for the holidays my card that was preloaded with {$350.00} was stolen and drained at a local XXXX. After returning from my holidays and realizing that my card never arrived, I tried to reach out to Money Network for 1.5 months but couldn't get a hold of their customer service to report fraud, as the wait times would often exceed 1 hour and I would have to return to work. After contacting my state representative and the California Tax Franchise Board, who assisted me with reaching a customer representative, I filed a dispute on XX/XX/2023. Money Network sent me a new debit card and told me the dispute would take 45-90 days to resolve and I would have to call them back after the 45-day mark to learn about the results of the dispute investigation, as they wouldn't inform me themselves. So after XX/XX/XXXX, I began calling them every other week but was told the investigation was ongoing. During this period, I sent Money Network proof that I was not even in the US to receive the card, and since the card activation would require my SSN, they would know that the stolen card was never activated from my call logs. After I called them again on XX/XX/2023 I was told the dispute investigation was not resolved in my favor and the transactions were determined as legitimate. They also claimed to have sent me a letter explaining the investigation results, which I never received and I don't think they are telling me the truth. So, I filed an appeal to the dispute investigation results and sent Money Network more documents over e-mail, which show my other credit card activities that place me in another country on the date the fraudulent transactions took place. I asked Money Network to acknowledge the receipt of my documents and my appeal request as well, but never heard back. It still takes around XXXX hour to even reach a customer service representative. I also realized after receiving my card replacement that the envelopes with these preloaded debit cards were labeled " YOUR CALIFORNIA MIDDLE CLASS TAX REFUND '' in red, which made these cards even easier targets. And I know I am not the only one whose vulnerable prepaid cards were targeted by fraudsters. Several news articles reported that the number of victims could be tens of thousands ( and according to the XXXX XXXX more than 1 million people never activated their Money Network cards ), but most of these people are already low-income, working difficult jobs, and don't have the time or the energy to stay on customer service line for an hour. So the customer service system of Money Network sets these people up for failure to even file a dispute. Below are a few news articles from reputable newspapers/news channels that covered this widespread problem : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
07/25/2023	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	DC 20011	Web
I am writing to complain about a dispute I lodged in XX/XX/XXXX regarding unauthorized transactions on the Money Network prepaid card I received from the XXXX XXXX XXXX. {$5500.00} was stolen from my Money Network prepaid account after my card information was stolen by a man named XXXX XXXX on or around XX/XX/XXXX. I had asked XXXX XXXX for assistance with setting up XXXX on my phone because I couldnt get the app to work by myself and I wanted to transfer money to my sister so she could buy some clothes. I asked XXXX XXXX to put my Money Network card into the app on my phone so I could start transferring money. After he set up the app for me, he gave me back my phone and Money Network card. Later that month, I realized my account balance was dropping quickly even though I was barely using my card. I notified Money Network, and they provided me with a transaction dispute form. I immediately completed it and returned it to Money Network on XX/XX/XXXX. Money Network then sent me a written denial of my dispute, dated XX/XX/XXXX ( the same day that I sent the completed transaction dispute form to them ). Then, on XX/XX/XXXX, staff at the halfway house where XXXX XXXX and I were living confronted XXXX XXXX about whether he had stolen my card information. They confiscated his phone and confirmed he had stolen my card information and stored it on his own cell phone. They called the police, but XXXX XXXX ran away from the halfway house before they could catch him. The Office of the States Attorney for XXXX XXXX criminally charged XXXX XXXX with theft and I was subpoenaed to testify against him. I went to the courthouse to testify twice, but they cancelled the hearings because they still hadnt caught XXXX XXXX. I wasnt sure what to do about Money Network denying my dispute, so I found an attorney from a nonprofit in DC to help me find additional evidence to show XXXX XXXX had been using my card without my permission and to provide guidance on additional steps I should take. She looked at the transactions on my card and discovered that XXXX XXXX was XXXX friends with most of the people he had been transferring money to. For example, at least {$4600.00} was transferred to someone named XXXX XXXX, who was XXXX XXXX friend on XXXX. My attorney shared the evidence that she gathered with the prosecutor who had filed the criminal case against XXXX XXXX. She also sent a letter to Money Network that included the additional evidence and requested reimbursement for the unauthorized charges. She additionally asked them to provide all documents they had relied on to conclude their initial investigation. Money Network confirmed by phone that they received the letter from my attorney on XX/XX/XXXX. They also said they re-opened the investigation, and that they normally take 45 days to complete investigations but that it could take up to 90 days. The 90-day deadline was XX/XX/XXXX, and I havent heard anything from Money Network XXXX The lawyer sent them a follow-up letter on XX/XX/XXXX to see if they needed any more information for their investigation, but they never responded to that either.
09/14/2023	Yes	Prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	CA 954XX	Web
On XX/XX/XXXX I called to report that I had not received my California middle class tax refund, either by bank transfer or by card. My understanding was that it would be an automatic transfer since I had filed my XXXX taxes electronically. When neither transfer or card arrived by the end of the distribtution period I called the number listed on the CA XXXX XXXX XXXX web page to report that I had not received it : XXXX At that time I was told that a card had been mailed to me and that on XX/XX/XXXX a withdrawal on that card in the amount of {$590.00} was made at an ATM in a shopping center near me. I reported on the XXXX call that this card was never received by me, no withdrawal was made my me, and that I was certain it was stolen from my mail box and activated by the thief. Our mailbox is on a XXXX XXXX and does not lock. At the time of the first call a fraud claim was filed by the representative and I was instructed to call back in a few months to hear the decision. A new card was mailed to me which I was told not to use until the decision had been made. I phoned on XX/XX/XXXX and was told my claim was denied because a " pin had been used to activate the original card. '' I was told on that call that I could appeal that decision and was instructed to do it by email, which was sent on XX/XX/XXXX this email address : XXXX. I have a copy of that email. In the email, I reiterated what I had communicated by phone in the first report : " I am writing to appeal you decision in the dispute filed on my case # XXXX * I live in a rural area, where banks of mailboxes are lined up about a block away from our houses. My mail box does not lock ( since this has happened I have replaced it with a locking box ) * when the card arrived someone removed the piece of mail, followed the instructions for setting up a pin, and then withdrew most of the funds from the card {$590.00} in XXXX transaction * since I never received the piece of mail, I do not know what those instructions were. But I can say with confidence no separate mailing with pin instructions arrived, and a friend who received her confirmed that as well. So it seems to me that the thief stole the card, set up the pin, and withdrew the money. I am a single mother of XXXX so would very much like to receive this. I appreciation your taking the time to hear my appeal and look forward to your reply. You can reach me by email ( email omitted ) Thank you. '' The agent on the XX/XX/XXXX call had a new card mailed to me. But no additional funds have been added to it, and no reply to my appeal has ever been received. I would like to have the {$590.00} remaining funds sent to me as I was a victim of fraud due to : -not receiving an electronic deposit instead of a prepaid card -the company not having a secure system for distributing those funds to prevent fraud -the company not notifying people when cards that clearly stated " middle class tax refund '' as the return address were left in mailboxes - an easy target. -no communication from the company about my appeal. I appreciate any assistance you can provide.
03/20/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	MN 557XX	Web
XX/XX/23 I used my credit union to make a bill pay to XXXX XXXX XXXX XXXX XXXX XXXX ) then I called my credit union to do a stop payment. I agreed to a {$10.00} fee and filled out electronic paperwork and sent it back to the credit union. My account shows the withdrawal of {$840.00}, the {$10.00} stop payment fee, and a deposit of {$840.00}. XXXX week later I get a letter in the usps mail from fiserv stating I owe them {$840.00} and my bill pay account has been suspended as of XX/XX/XXXX. XX/XX/23 at XXXX XXXX. I contact XXXX they confirm that they received the payment of {$840.00} on XX/XX/23 and then returned the payment on XX/XX/23. I have a screenshot sent to me showing this information. XX/XX/23 at XXXX XXXX I contact my credit union to inquire about the bill pay suspension. I explain to them that I got a letter from fiserv and also contacted XXXX who proved that the money was sent back. The employee looked into it and informed me that she figured they had enough information to correct the situation and someone would get back to me. No one ever did. XX/XX/23 at XXXX XXXX fiserv contacts me regarding payment for the {$840.00}. I explained to the employee what I have found out. I state I can not understand how I could owe them money if the money was sent and then returned, why would they be owed anything? I also asked them to prove that money was owed and I have yet to see anything other than the original letter I got from them. I give the check number off the screenshot from XXXX.I also explain my bank account shows payment made, and returned. An investigation is launched and a case number is given to me. XXXX is who I spoke with and she tells me to call back the following Wednesday ( XX/XX/23 ). XX/XX/23 Since I have not heard from my credit union I call them to find out what is going on with the bill pay service. All she can tell me is that it is up to fiserv and to call them. She tells me to press 5 at the prompt once she transfers me to fiserv. I do and it is an invaled request. I hang up. what a mess. I have a life other than this. XX/XX/23 at XXXX XXXX. fiserv calles me to again request payment due. I refuse. I told " XXXX '' that an investigation is already underway and I am to contact fiserv on Wednesday. She responds to make the payment or it goes to collections. I ask How can you send it to collections if it's an ongoing investigation? And you are 2 days ahead of when I was told I can call back??? she repeats to pay the {$840.00} or it goes to collections. I can't even tell her about the case number because she won't listen to anything I am saying. She says she will let her manager know I won't make payment and hangs up. Also during one of the phone conversations I had with fiserv I told them I was disputing this case. The employee sounded confused so I read her the part of the letter that stated I could dispute it. Her response was contact XXXX.??? I feel the employees don't know how to do anything but collect money. This company certainly doesn't try to do anything but get a debt they think they are owed.
02/03/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NY 11226	Web
I contacted my debit card company and told them There has been some fraudulent activity on my account, some one took {$1100.00} dollars out of my account through atm cash withdrawals. & I have my physical card, & ive never authorize or give anyone my card. I notice the transactions on the XX/XX/XXXX when I went to check the balance on my account. I immediately locked my card and called the debit card company to report it. In the span of 2 days on XX/XX/XXXX and XX/XX/XXXX these Illegal unauthorized ATM withdrawals occurred XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX$62.00} XXXX. XXXX XXXX XXXX XXXX {$82.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$82.00} XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX- {$82.00} XXXX. XXXX XXXXXXXX XXXX XXXX- {$80.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX {$82.00} XXXX XXXX XXXX XXXX XXXXXXXX {$82.00} Thats XXXX illegal unauthorized atm withdrawals on XX/XX/XXXX that i did not make in under a XXXX. The next day of illegal unauthorized ATM Withdrawals follows below XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$82.00} XXXX. XXXXXXXX XXXX XXXX {$100.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX {$100.00} XXXX. XXXX XXXX XXXX {$100.00} XXXX. XXXX XXXX XXXX XXXX$100.00} XXXXXXXX XXXX XXXX XXXX XXXX$100.00} Thats XXXX illegal unauthorized atm withdrawals made on XX/XX/XXXX that i did not make in less than XXXX. I confirm this with the representative that XXXX speaking to. She tells me that I should send them a written email about the whole situation itll kind of speed up the process. Their going to send me some paperwork to fill out. & that this investigation can take up to XXXX to complete. I send the email, fill out the paperwork they sent me and sent it back, which was a list of the unauthorized transactions made on my account they wanted me to sign and confirm. About a week later i received a letter from the company, real surprised but relieved that it came so quick. But to turn out that the letter said they were denying my claim due to the my pin being used to make the transactions. Cyber Criminals have so many different ways to steal your information now, so them denying my claim on that bases that because my pin was used is ridiculous. This isnt even how I use my card so how could this look like my regular pattern of card usage if there really was a investigation done? So I call the company back to escalate the situation. I speak to a supervisor who tells me that I need to send them another email for an appeal. Which is exactly what I do. I dont here anything for a while, periodically calling and asking whats going on, then XX/XX/XXXX I received a letter saying the exact same thing the first letter read, that their denying my appeal because my pin was used to make the transaction. And I know things like this happen all the time and if they are able to get away with this with me. If This company is doing this to me that means hundreds of people have gone through this same situation and they are not covering people that fall victim to fraud. as if they arent liable for anything.
11/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 36109	Web
Two days ago ( XX/XX/XXXX ), I got a letter from XXXX ( a debt collection agency ). They said I owed a total of {$150.00} from three incidents. TeleCheck Services Inc is the creditor supposing these transactions. I believe this is from the SAME incident which occurred last year between XX/XX/XXXX to XXXX at a XXXX in XXXX XXXX I have NO idea how they happened or what MEANS they were able to use my identity to perpetrate these crimes. I have already filed a report with the FTC during the month of XXXX of XXXX. At that time, TRS Recovery Service was attempting to recover this false debt. I did file a forgery/identity theft declaration with them, via fax on XX/XX/XXXX. I did NOT provide them with my ss # or driver 's license, because 1 ) I did not feel comfortable doing that over the phone and felt it may have been phishing, 2 there was no proof that either were involved and 2 ) the person I spoke to on the phone would not disclose any additional information about HOW the identity theft was perpetrated. I do NOT live in XXXX and I have not been there in nearly 10 years. I then notified the XXXX Police Department of the incident in an attempt to resolve the matter. I got an email from a XXXX XXXX XXXX ( XXXX ) assigning me a case number ( XXXX ). I had not heard anything more from either TRS or the XXXX PD until XX/XX/XXXX. XXXX XXXX XXXX sent me an email to let me know he would no longer be handling my case and gave me a number to call ( XXXX ) to find out who would not be handling my case. I tried several times over the next few months, but I never got a reply from them. I had not thought much about it until two days ago when I got the above-mentioned letter from XXXX, attempting to, again ( I believe ), collect this debt. Today ( XX/XX/XXXX ) I called XXXX to verify that I had NO debt collections appearing on my credit report. The AFFIRMED that I did NOT have any collections showing. I have been paying for a credit monitoring service from them, which allows me to see reports from ALL credit services. I talked to their Global Consumer Care office, and they CONFIRMED that there are NO collections showing on my credit reports, but he did advise me to call the other two services ( XXXX and XXXX ) to verify WITH THEM that no collections are appearing on my credit report with them as well. I do plan on doing this later today. I have placed a new fraud alert on my credit report ( since the previous one expired ). Finally, as recommended by the representative with XXXX 's XXXX XXXX XXXX department, I went on the XXXX web site to get a copy of my credit report. I didn't find ANY new accounts opened or anything suspect. The representative said that the letters I have been receiving COULD be phishing, but I just don't know since it seems that, although no collections are showing and have NEVER shown on any of my credit reports, why did I get the letters from TRS last year, and why NOW am I getting another one for the same amounts THIS year? Please help me resolve this for once.
11/03/2020	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA 92101	Web
On XX/XX/2020 I was charged a XXXX of {$500.00} that I did not authorized. When they used the account I was at work at XXXX shipyard. Notice the someone else was using it because i got a text on my phone for the transaction around XXXX XXXX. Called the ADP and tried to open a dispute right away and they told me that I have to call the next day because the dispute department was closed but that they will send me a new debit card and cancel the old one .Called them the next day and told them about the transaction and they told me that they could not open a dispute yet because the transaction was pending and told me to wait because it might not go through. Waited a couple of days and it went through so I called them and open the dispute. They told me I was gon na get some forms in the mail in 7 to 10 business days that I needed to fill out and to send it back to them. Waited the days forms never came just the debit card in the mail. Called them back to ask about the forms they told me they sent them and since I didn't get them they would send it again. Never got these forms that I needed to fill out kept calling them about them they just kept saying that they would send them again and it kept going on like this for 2 months. Called again told them what was the reasons for these forms and how will this effect the dispute that I have open, did not give me a proper answer just kept telling me that it is an update to the dispute would not tell what type of update, ask them if they could send it in email and they said no that I have to wait another 7 to 10 business days. Today which is XX/XX/2020 went to check the mail for the forms and I saw a letter from them ( ADP ) which i thought was the forms that I've been waiting for so long to send them. Opened the letter and it said that the dispute was finalized and that there was no error also says that I have the right to request and receive the supporting documentation that they used making the determination. I called them right away ask an update on the dispute told me I was gon na get a paper on the mail saying this. Told them I got them and if they could send me the document in how they came to this decision and they just kept telling me that it's the paper I have. Told them no that i want the proper document for the decision that they came to even read the part of the letter that says I have the right to those document but kept sending me in circles. Got fed up ask to talk to the supervisor said yes then said that they were unavailable told the person helping me out to give me his supervisor name and he said which one because they have 3. Told him all of them are unavailable he said yes and he only gave me the name to one said that they supposedly call me back. I don't know how these forms that they wanted me to fill out never came in the mail if they were able to send me a new debit card and the letter saying this dispute is finalized. They also told me maybe someone was grabbing my mail which is ridiculous to me.
08/11/2021	Yes	Checking or savings account Other banking product or service	Managing an account Fee problem	CT 068XX	Web	Older American
XXXX XXXX XXXX is my primary financial institution. My e-commerce transactions are handled through XXXX XXXX XXXX. XXXX has contracted the company Fiserv to process those transactions. Through my agreement with XXXX, Fiserv debits my XXXX account monthly for the cost of processing those transactions. On XX/XX/XXXX of 2021, there was a BOT attack which sent over 16,000 requests for authorization through our account. We generally do 1-2 transactions per day and have been for nearly 10 years. ( see attached documentation samples showing over 300 pages of transactions in a short few hour time slot ) From these documents I would like to point out that each and every one of these transactions used the same name, address, zip code and dollar amount. These transactions took place within a few hours. With no action from XXXX, or Fiserv, I fortunately identified the event in house and immediately alerted XXXX XXXX XXXX. XXXX/Fiserv Merchant services made no attempt to identify or reduce the flow of transactions going through our account. Consequently, Fiserv billed me for each transaction. Our XXXX XXXX company XXXX refunded their portion of the charges, Fiserv refused stating that they could not recoup the money from Visa, so consequently the fees were not recoverable. See attachment for full text. It is clear that Fiserv puts forth a policy that exposes its customers to blatant and obvious fraud while taking the position that they have no responsibility to either a ) Protect and mitigate those fraudulent actions or b ) Absorb the costs of the successfully perpetrated fraud as a direct result of their failure to implement proper safeguards. Instead Fiserv, by its own admission, benefits monetarily from the processing of fraudulent transactions and because of that has no financial incentive to prevent them. The idea that a single person using the same name, address and zip code could posses 16,000 different credit cards is beyond any realm of possibility. The idea that in a few hours such a person could select a specific card, enter the numbers and re key an entire online transaction 16,000 times is also absurd. The installation filters recognizing these forms of computer generated fraud is a simple implementation and should be mandatory for any and all financial service processors. Any reasonable person would come to that conclusion ... unless of course that person profited from the fraud. Current card processing technology has more than enough safeguards to protect Visa, Fiserv, XXXX XXXX XXXX and of course, the customer. The failure to implement that technology is a choice made by Fiserv. Taking the position they have with our company of passing on the costs of that failure is unacceptable. Forwarding the blame to Visa for not assuming financial responsibility, while simultaneously making no efforts to request ( demand ) Visa refund those fees, stands on its own as a diversion of responsibility to a unaffiliated third party.
08/30/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 20774	Web
The ice maker on my refrigerator was broken. I called XXXX XXXX XXXX. The technician arrived. He told me the engine that runs the ice maker needed to be replaced and offered the XXXX Warranty Plan for a reduced price, I agreed. The plan covered a maximum of 5 appliances. I have other appliances in the house, so it made sense. During the visit, the tech wanted to send information to my smart phone. I do not send important information through my phone and told him if he would send to my email, I could access on my PC. ( I am working from home ). He ordered the part ; I gave him a check for {$630.00} and the technician left. After he left, I viewed on my email two service alerts for two dishwashers. Like most people I only have one, and the receipts were for brands I do not own, XXXX and XXXX, I own XXXX. Also, there was an email receipt for the order of an ice cabinet '' not the " ice maker engine '' that I was told I needed. Also, as I moved through the legitimate receipt, there are also two more receipts for the dishwashers, that I do not own ; charge {$0.00} for both. I was charged {$410.00} for labor, {$200.00} for the ice cabinet and {$12.00} for repair costs a total of {$630.00}. This, I assume was the price of the warranty. Although the tech was at my home for over one-half hour, he did not look or evaluate my XXXX dishwasher XXXX As I looked at my emails, and did not see the " ice maker engine '' on the receipt, but the cabinet that houses the ice, which I did not need, but no ice maker. I thought something was fishy going on. I immediately called XXXX Home Services and cancelled the warranty. The associate told me I had to call the next day because the techs ' information would not be downloaded in the system until 24 hours had passed. I called the next day and cancelled and put a stop payment on my check. Which I believed I could resolve that day. I have tried many times to pay for the services rendered, but to no avail and to return the ice cabinet. I was met with representative after representative telling me I will get a bill in the mail and a return sticker. Now, on XX/XX/XXXX I get a letter from a collection agency stating the transaction could not be processed, and reasonable steps would be taken to secure payment. I am accountable for the " ice cabinet '', priced {$200.00} and the service to my home, but the {$410.00} for labor, which was the discounted price of the warranty, when no one looked at my dishwashers that do not exist is absurd! I believe I am not the only one to fall for this tactic. The main objective is for the technicians to sell the warranty plan. And they go to deceptive lengths to do so. This is now on my credit report. I will pay the {$630.00}, but I would like an adjustment for the labor charge and to have this stain off my reports.
05/10/2023	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble getting information about the card	OR 97302	Web
MoneyNetwork, has refused to let me access my account where I had a savings of {$21000.00}. From XX/XX/XXXX, to approximately XX/XX/XXXX, I was paid through direct deposit from Money Network. I worked at a XXXX XXXX located at XXXX XXXX XXXX. XXXX XXXX, CA XXXX and the company was owned by XXXX XXXX XXXX. XXXX XXXX XXXX. My employer used XXXX and MoneyNetwork to pay my wages. The last paycheck that I have is dated XX/XX/XXXX, in the amount of {$500.00}. I kept my money in the account with MoneyNetwork. MoneyNetwork provided me a card that was valid until XX/XX/XXXX. Through out my time with Money Network, I called the customer service line XXXX from time to time to check my balance. In approximately XXXX or XX/XX/XXXX, I used my personal cell phone to call MoneyNetworks customer service line. During that time, I used my card and PIN to verify my account. I spoke with a representative to inform them I had a change of address because my card was going to expire in XX/XX/XXXX. The representative told me to call in XX/XX/XXXX because my card was going to expire in XX/XX/XXXX and she told me I could not change my address until 6 months before the expiration date. Between XXXX to XX/XX/XXXX, I called MoneyNetwork twice to verify my account balance {$21000.00}. The balance remained the same. On XX/XX/XXXX, I spoke with a MoneyNetworks customer service representative to change my address XXXX to XXXX. The customer service representative told me that because I had not used the card in a long time the account was frozen on XX/XX/XXXX. He told me that the account was sent to XXXX XXXX XXXX XXXX XXXX XXXX. I was never informed that the funds were going to be transferred and I was given no warning that my account was going to be frozen. On XX/XX/XXXX, I searched the XXXX XXXX XXXX XXXX XXXX XXXX, but I could not find the balance MoneyNetwork claimed was there. On XX/XX/XXXX, I called MoneyNetworks customer service line again to inquire about my money. This time I spoke with a representative named XXXX and she told me that the funds of {$21000.00} were sent to the unclaimed property of the State of California on XX/XX/XXXX. On XX/XX/XXXX, I called again to inquire about my funds but this time I spoke with an agent who declined to help me because he requested verification from me. I provided the same phone number I had given to MoneyNetwork the past 5 times, but he declined to help me saying he could not verify my identity. On XX/XX/XXXX, I contacted the Unclaimed Property Division of the Office of the State Controller of California. The State of California has no records of my unclaimed property. I have provided a copy documenting their search and their response that they were unable to find this unclaimed property. I need help accessing my money from MoneyNetwork.
08/11/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other service problem	TX 75061	Web
Consumer Financial Protection Bureau ( cfpb ) DateXXXX Dear cfpb Manager Regard to HI-TECH XXXX Merchant account number XXXX We had a horrible Merchant Service Experience with Our provider ( Fiserv ) which is against good faith in business. Fiserv is a new company that bought Firstdata and we did not have any problem with Firstdata during the last 10 years. We realized that our Credit card reader Terminal settings were malfunctioning ( For unknown reason or might by Fiserv online access/Update etc. ) and didn't do automatic batch closing for several months Between XX/XX/XXXX to XX/XX/XXXX ) ( XXXXocument # 1 ). It means Fiserv does not have ability to online realize the terminal malfunction, contrary to their claims on the website ( Document # 2 ). We did call Fiserv on XX/XX/XXXX customer service and they fixed the problem in the Terminal ( Case # XXXX ) and inform us, in the next 48 Hours you will get the funds in your account. After several days we realized, they put our money on hold till now. They asked for a lot of documents and forced to provide our bank statement ( which is illegal ) but still no funds in our account. Their communication was under unknown phone calls or via unnamed emails ( Document # 3 ) and several times I did contact the merchant service to make sure those communications are true. The last phone call was for the Fiserv Risk Management department on XX/XX/XXXX and informed us : we can not pay your money because you don't have enough support! The reality is our support is our money that Fiserv put it on hold so their answer was paradoxical. In addition, Fiserv not only put hold on late ( batch closed ) transactions but also put hold on all of our normal ( batch closed ) transactions occurred after their fix/repair procedure or all transactions after XX/XX/XXXX. ( Document # 1 ) The merchant company ( Fiserv ) has a special Dispute procedure for future possibly customer 's disputes, but the Fiserv answer/Act is beyond the routine procedure. it means Fiserv put hold to our company credit card transactions/Funds illegally for no reason. Fiserv not only didnt help us to fix that problem but also after the complaint, closed our merchant account which is strictly against the good faith in the business relationship. As per their illegal action We dont have any access to the terminal report option and it means Fiserv does not want us to have access to any Document. The Fiserv decision is against good faith in a business relationship and it put a serious threat to our small business activity. we would like to take legal action against this decision. Please let me know how cfpb can help us in this legal action Please let me know if you need any other documents XXXX XXXX Business owner/Manager HI-TECH XXXX XXXX.
06/24/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	IN 46033	Web	Servicemember
On XX/XX/XXXX XXXX, XXXX XXXX ( Via their ACH " Telecheck from Fiserve '' ) issued a {$20.00} " Return Fee '' to my bank account without any transactions taking part by myself and without consent. This return fee, according to online searches, is issued by Telecheck when there are insufficient funds in an account they are attempting to withdraw from. There were no transactions made by myself between my checking account associated with XXXX XXXX and XXXX XXXX in the month of XXXX. As XXXX XXXX is a sportsbook, they seem to have separate " wallets '' for individual states for tax accounting purposes. This means that when you cross state lines ( XXXX to XXXX in this case ) XXXX issues an automatic account transfer from one states wallet ( XXXX ) to the other states wallet ( XXXX ) using their ACH Telecheck. I was not asked if I wanted to transfer funds and did not consent to any transfers to or from my checking account. I was not notified the funds would be transferred. I have never attempted to make a deposit, withdraw, or transfer to or from XXXX XXXX with insufficient funds. When crossing state lines ( XXXX to XXXX ), the balance of the sportsbook account was XXXX. XXXX XXXX, via Telecheck as ACH, seemingly issued an automatic funds transfer from XXXX wallet ( managed by XXXX ) to XXXX Wallet ( managed by XXXX ). XXXX initiated an automatic transfer of XXXX and Telecheck issued a {$20.00} " return fee '' to my checking account associated with the XXXX account. The statement by XXXX XXXX support when attempting to rectify this is as follows : " Thank you for contacting XXXX Customer Support. I apologize for the inconvenience. Return or retry fees are charged by our ACH processor. This would be associated with a previous deposit attempt where the user did not have funds available, so when our ACH processor tried to collect funds and couldn't they go back later to collect funds + charge fee. Telecheck ACH Processor Contact info : https : //getassistance.telecheck.com/consumer-contact.html " There were no transactions between my bank account and XXXX XXXX without sufficient funds and/or in the month of XXXX. I next asked XXXX support to confirm my account transactions in the month of XXXX and XXXX XXXX confirmed : " Thank you for contacting XXXX Customer Support. My apologies. I can confirm there is a wallet transfer of {$0.00}. '' Over the period of two phone calls, one currently as this is typed, I was on hold with Telecheck to dispute the charge and receive a transaction history. The first phone call I was on hold for over an hour until I had to hangup. I have cancelled my evenings plans today because I have been on hold for over an hour again and I want this issue explained and rectified.
03/30/2023	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	CA 95758	Web
I have a dispute regarding my California Middle-Class Tax Refund with Money Network for a debit card in the amount of {$250.00}. I received a non-chip debit card in the mail the afternoon of Friday, XXXX XXXX and activated the debit card through Money Networks telephone system that afternoon. The card was in my possession the entire time and I did not use it or share the card number or pin with anyone. I tried to use the card XX/XX/2023 at XXXX and it was declined. I called Money Network and was told the card was used at XXXX in XXXX XXXX on XX/XX/2023 for {$240.00} ( 400+ miles from my home ). I opened a dispute with Money Network that day, XX/XX/2023. I was told it would take 45 days to investigate and that I had to call back on XX/XX/2023 for an update. They also indicated if I received a replacement card not to activate it until the investigation was complete. I received a non-chip replacement debit card with written instructions that fraud had been identified on my prior card and to activate the replacement debit card as soon as possible. I called Money Network to clarify the discrepancy in the written instructions versus the verbal instructions regarding activating the replacement card. I expressed concern that the written instructions were not the same as the verbal instructions thereby wasting time by Money Network as well as parties receiving replacement cards. I again was told not to activate the card even though the written instructions stated to do so as soon as possible. On XX/XX/2023, 45 days since the dispute was initiated, I contacted Money Network by phone. Money Network told me they had " no '' updates regarding the dispute. I was told to call back weekly to see if an update had taken place. Money Network is now not available due to high call volume and their system hangs up on me. This company has no incentive to finalize disputes as they are supposedly responsible for replacing any fraudulently used debit cards. Further, the state contract was granted to Money Network because they indicated they would distribute debit cards with chips. I have received two cards, one of which is not eligible for activation yet, and neither one has a chip. I am filing a complaint with the Consumer Financial Protection Bureau in hopes of getting resolution on this matter and also contacting my federal representative. Based on on-line comments, Money Network has a terrible track record for resolving disputes. What incentive do they have for resolving fraud if they are self-regulating and the funds come out of their profits? Further, based on my situation, it appears the fraud is either an in-house employee or due to hacking of their telephone system. Please assist me in resolving this fraudulent dispute.
11/29/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	RI 02914	Web
To whom it may concern, I received unemployment funds on a card from the bank Money Network. The card number for my Money Network account is XXXX XXXXXXXX XXXX XXXX On the Money Network app I input my account number to my XXXX XXXX account and transferred funds from Money Network to XXXX XXXX. The dates and amount of those funds are listed below. XXXX XXXX- {$500.00} XXXX XXXX- {$500.00} & {$500.00} XXXX XXXX- {$500.00} & XXXX The account number was input incorrectly, and the transferred funds were not transferred to my XXXXXXXX XXXX account and they still are not in my XXXX XXXX account. I called Money Network and they informed me that the funds were successfully transferred to XXXXXXXX XXXX. I then visited XXXXXXXX XXXX and they informed me that the account number ( that the funds were transferred to ) does not exist. Therefore once they received those funds there were unable to deposit it into the account because the account number that it was sent to does not exist. So then XXXX XXXX sent the funds back to Money Network. I called Money Network to explain that XXXX XXXX does not have those funds and that they transferred it back to Money Network ; I provided documentation by fax, email and mail proofing that. Money Network was supposed to put those transferred funds back into my account, but they are saying that the funds were transferred successfully to XXXXXXXX XXXX XXXX XXXX provided me documents that states otherwise, therefore Money Network does indeed have those funds and those funds should be in my account, which it is not. I opened a dispute with Money Network and this has been an ongoing dispute for months. Money Network denied the claim a few times stating that the funds were received by the intended institution. I have requested copies of the documents they used to come to that conclusion, and they have never sent those documents. I recently called again and have not been able to speak to a manager because the line disconnects when I am connected to a manager. I have never seen the documents used to determine that the transferred funds were successfully sent to XXXXXXXX XXXX For months now I have called, emailed, faxed and mailed documents from XXXXXXXX XXXX stating that the funds were never successfully transferred. My claim has got denied multiple times by Money Network. Recently I have taken note of who I spoke with, at Money Network, and what they said. I am able to provide that information if needed. I have gone through a lot of stress during these months trying to get money back that rightfully deserves to be in my possession. It has been especially stressful because I was in unemployment and that was the only funds I was receiving and I dont have it. Thank you, XXXX XXXX
01/03/2023	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	NJ 078XX	Web
Account ending in XXXX XXXX i paid XXXX to XXXX to pay mortgage through XXXX XXXX XXXX XXXX XX/XX/XXXX - An automatic payment was pulled to pay mortgage to XXXX for XXXX by accident. Making my account in the negative for insufficient funds I realized i made a mistake and called to cancel this payment. This payment was returned on XX/XX/XXXX as a returned item {$1400.00}. I cancelled the payment via online and asked the XXXX rep that I was speaking to at XXXX XXXX to cancel payment on his end. He said he will do his best. XX/XX/XXXX money was re pulled to make the payment but there was ins officiant funds. All these transfers match up on my checking account equally so that my payment was good for XXXX. in XXXX I received a letter from XXXX that I missed my mortgage payment. I didn't understand what happened... Through lots of phone calls and conferences between XXXX XXXX and Fiserve it was found that XXXX returned the {$1400.00} on XX/XX/XXXX due to me being short {$5.00} of my payment. For some reason Fiserv never credited my account for that money. My bank account still does not show this return. Fiserv said the money was theirs and I don't need to show the action on my account because they put the money out for me supposedly. We went back and forth for a while tracing numbers and phone calls with TD ( XXXX a XXXX at XXXX XXXX ), fiserve, XXXX XXXX XXXX. Several cases were opened. In XXXX I received two letters. One letter stating that the {$1400.00} will be returned to me. The other stating a solution was resolved. The {$1400.00} was returned to my account in XXXX and I sent it to XXXX on XX/XX/XXXX to make up for the XXXX missing payment. Which I thought was the right thing. In XX/XX/XXXX, months after I thought this was resolved. I recieved nasty calls from a collection company saying they represent fiserve and i owe XXXX due to a payment from XXXX After going back and forth I explained that this was cleared up and I don't owe any money, It was a clarical error on XX/XX/XXXX that was lost and cleared up in XXXX. Since this time Fiserv has not been cooperative. I asked for a written statement of what they are saying. I have tried to get XXXX to help me with handeling this situation but every time I call it is a new representative and every person interprets the siduation differently. Now Fiserv has put my account on hold. I can not make any payments for my mortgage nor other credit card companies.. I can't access my bill pay addresses until they get thier money. I do not feel I owe money. I feel this was a document error. XXXX approved that it was wrong and refunded me the money. If I needed to pay Fiserv in any way shouldn't XXXX and Fiserv have communicated that in a letter??
07/16/2022	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	CA 92316	Web
My employer gave me a Money Network prepaid card to receive my paycheck. I work as an XXXX XXXX XXXX in XXXX XXXX. I live in XXXX, so everyday I have a 2 hour commute. On XX/XX/2022, I tried to withdraw {$600.00} from my account, and the bank denied my transaction. I attempted three times and it kept declining every time. Therefore, I proceeded to checking my account on the mobile app. This is when I realized there were multiple transactions that I nor anyone authorized did not do. These transactions occurred in XXXX XXXX when I live in XXXX. The total amount of money stolen is {$1500.00}. I called to customer service on XX/XX/2022. They said that they would send documents for us to file the claim. They also said we had 10 business days to return these documents. We received the documents on XX/XX/2022. We completed these documents and returned them on XX/XX/2022. Later, on XX/XX/2022, we received a letter where it states the following, " Based on the results of this investigation, your claim has been denied due to the timing and card-present indicators of other recent transactions. You have the right to request copies of the documents that we rely on in making our determination. We consider this claim resolved and your claim has been closed. '' After seeing this, my wife under my authorization called customer service on XX/XX/2022 at XXXX. A representative from Money Network said the decision had made through an algorithm under their system, and that our given time-frame had expired. Because our time-frame had expired and the algorithm stated the previously mentioned, they said we were not eligible to receive our money back. The representative said they received our documents on XX/XX/2022 ; hence, they said it had exceeded 10 business days. However, the letter dates XX/XX/XXXX which is definitely not 10 business days from the day we called nor from when I received the documents on XX/XX/2022. They also said to wait 45-90 days for another solution or to call the Dispute Department XXXX The next day, my wife called the Dispute Operations Department to request the documents they relied on, and the representative said she is unable to send those documents to call another department. I asked for the other department phone number, and she said she could not provide me with the phone number. In order for me to receive the documents, I was told I had to email requesting them. I did and I have not heard back. I am scared to continue waiting more time and lose my rights to get my money back. I do not understand how my timing expired if I received the documents to file the claim on XX/XX/XXXX and I returned them XX/XX/XXXX. I do not understand what documents they used to come to this solution.
11/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	SC 29301	Web
Fiserv aquired XXXX XXXX on XX/XX/XXXX. The Fiserv XXXX Form 10 -K did include the aquisition of Merchant XXXX and excluded the liabilities of XXXX XXXXXXXX. XXXX XXXX was liable to this case prior to aquisition. We discovered on XX/XX/XXXX the aquisition after XXXX XXXX obstucted. Fiserv is liable upon aquisition of XXXX XXXX. XX/XX/XXXX Fiserv declined disclosure based on false statements and hearsay from XXXX XXXX upon factual evidence, facts, and time line we disclosed. XXXX XXXX aquired our unique data on XX/XX/XXXX, our unique data was used to open a fraudulent bank account at XXXX XXXX XXXX to facilitate a fraudulent merchant account at XXXX. Fraudulent transactions went through both accounts. XXXX verified and confirmed identity theft at XXXX XXXX XXXX, XXXX verified and confirmed identity theft with XXXX XXXXXXXX on XX/XX/XXXX. XXXX closed both fraudulent accounts on XX/XX/XXXX. XXXX placed our data on the XXXX for XXXX XXXX identity theft on XX/XX/XXXX. The unique data came from XXXX XXXX and aquired on XX/XX/XXXX and used to facilitate both fraudulent accounts causing the XXXX. On XX/XX/XXXX XXXX XXXXXXXX claimed in a XXXX report to the New Hampshire attorney general XXXX XXXX became aware of a data breach and identity theft occured within. We were never notified from XXXX XXXX of the breach or identity theft, or the XXXX. XXXX XXXX claimed an ongoing investigation to locate victims in the XXXX. We discovered the XXXX on XX/XX/XXXX during and ongoing investigation at XXXX XXXX from a different source. Our businesses were frozen due to the Match. XXXX XXXXXXXX was notified of the Match on XX/XX/XXXX during their claimed ongoing investigation and began to obstuct by blaming XXXX XXXX as the source of the Match knowing XXXX placed the Match for Code 14 identity theft on XX/XX/XXXX. XXXX XXXX was obstructing this case to maintain the value of XXXX XXXX before the aquisition of Fiserv. Prior to the Fiserv aquisition of XXXX XXXX, Fiserv aquired XXXX XXXX in XXXX, in which the prior owner of XXXX XXXX was found guilty of opening fraudulent merchant accounts to XXXX. While our businesses, data, credit, websites, products, and patents are frozen and destroyed due to the XXXX caused by XXXX XXXX. The Match is a weapon. Fiserv aquired liability to this case and has declined additional disclosure. XXXX XXXX XXXX admitted, disclosed, and now obstructs. XXXX admitted and disclosed supporting evidence. XXXX XXXX obstructed. This document is an update to the XXXX XXXX XXXX complaint. Fiserv has denied additional discloser. XX/XX/XXXX XXXX was requested to provide a resolution proposal with terms and condition to mediate and mitigate and has refused.
08/16/2023	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Problem using the card to withdraw money from an ATM	CA XXXXX	Web
The State of California chose to contract Money Network to process the Middle Class Tax Refund. I received a prepaid card from Money Network, without a security chip. I was only able to withdraw a limited amount as per their daily withdrawal limit ( {$400.00} ). When attempting to make a second withdrawal of the remaining balance, the card prompted an error message at the ATM. I called Money Network to inquire about the error message. I was told that funds were stolen from my account. I went through the process of initiating a dispute to recover the funds. I requested written confirmation of the event for my records. Money Network refused to provide written proof of the stolen funds. I was told that Money Network would not provide written communications about the event. I was told to wait for the dispute process to resolve and I would receive a check in the amount of the balance. Several weeks passed without any communication or check from Money Network. I took it upon myself to call Money Network for an update on the case. I was told that the dispute was successful and that funds were returned to the account balance. I asked when I would be receiving the check. The individual informed me that it would take between XXXX to XXXX business days. I asked when the dispute resolution decision was made. It turns out that the decision was made on XX/XX/2023 - three weeks ago and Money Network provided XXXX communication. I was told that a check would only be issued on the balance if requested by the account holder. Money Network recklessly issued prepaid cards without the advertised safety feature of a chip, making Middle Class Tax Refund customer funds vulnerable to theft and fraud. Money Network has been minimally if at all cooperative in communicating in the dispute process. Money Network stonewalls in respect to communication and in respect to making funds rightfully belonging to customers accessible to said customer. I was only issued a check when I took it upon myself to be proactive in calling in for a status update on the status of the dispute. Had I not done so, Money Network would have indefinitely held onto my funds. From the daily card withdrawal limit, to only offering fee free withdrawals at their unsafe partner ATMs, to issuing cards without safety features, Money Network has been irresponsible at every turn, looking out only for themselves, even creating the environment in which customer funds were made vulnerable to theft -- making customer funds ripe for the picking for any scammer to use a skimmer on the unsecure chipless Money Network cards at one of Money Network 's unsafe partner ATMs or on the dark web.
09/23/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OR 973XX	Web
On XX/XX/2022 I noticed two small deposits on my bank account from XXXX XXXX. One was for {$0.00} and was for {$0.00}. I immediately on XX/XX/2022 ( and I mean within minutes ) called and reported this as fraud to my bank. They then froze my account and I Transferred all my money to a new account. I then called XXXX customer service on XX/XX/2022 to report this and left a voicemail with their loss prevention department. XX/XX/2022 I received 3 debt collections notices in the mail from TRS Recovery Services. XX/XX/2022 {$68.00} and {$110.00} ( these both include {$30.00} interest fees ) Dated XX/XX/2022 there was a charge for {$100.00} ( again with {$30.00} interest ) I filed a forgery report on their site, and then called customer service. I was told it takes 30 days to review and that they do not report to credit bureaus. I have looked online and it says they DO report to credit bureaus so I have been lied to by them. I see they have also faced major litigation in the past for breaking federal debt collection laws. XX/XX/2022 I emailed XXXX customer service to inform them of the fraud and security breach in their system. They said they would forward the info along. XX/XX/2022 I received 5 more debt collection requests in the mail. I called customer service at XXXX and was transferred to 7 different individuals, I finally was told someone had opened a credit account in my maiden name with my bank account number ( that account has been closed since the first deposits ) and those transactions all bounced but the fraudster was still able to receive goods. My account mind you had not showed any pending transactions at all, and all of them must have bounced hence the debt collection attempts. On this same day I have also emailed with multiple individuals, called back and spoke to 2 more people, and left a voicemail with loss prevention again. They told me that my card was " disabled '' but were not able to cancel it due to the fact I did not have the card number or the phone/email associated with the account. I do not know that information because I did not create the account and do not have the card in my possession since I am being impersonated. These notices from XX/XX/2022 are highlighting charges as follows, all of these totals include the {$30.00} interest fees : XX/XX/2022 {$78.00} XX/XX/2022 {$110.00} XX/XX/2022 {$64.00} XX/XX/2022 {$100.00} XX/XX/2022 {$100.00} I asked for a record of the transactions that are being claimed against me from XXXX and they told me that loss prevention might be able to provide it. They have not responded. I have filed a complaint with the XXXX as of XX/XX/2022 as well.
08/29/2023	Yes	Prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	CA 92649	Web
On XX/XX/XXXX my husband and I received a One-Time Contribution from CA Middle Class Tax Refund in the amount of {$1000.00}. On XX/XX/XXXX I went to the XXXX XXXX XXXX near my house in XXXX XXXX, to withdraw the XXXX amount possible of {$500.00}. I was successful in withdrawing the {$500.00}. My balance after that was {$540.00} after some fees were applied. A few days later, I attempted to withdraw another {$500.00} at an ATM in XXXX, which is the city where I work. The ATM did not release the money. I was confused and assumed user error, so I tried at another ATM, and again nothing happened. It said there were insufficient funds. I knew there was a balance of over {$500.00}, so I was very confused by this. I then called the customer service number XXXX to see what my balance was. The automated service told me that the current balance is {$21.00}. I started doing some online research, and saw many news stories of funds being stolen from the CA Middle Class Tax Refund money network cards, and realized I was a victim of this as well. I have faith in government programs and that this would be resolved, so I didnt act on it right away. On XX/XX/XXXX I called customer service and filed a dispute. The customer service representative told me there was a transaction on XX/XX/XXXX for {$520.00} in XXXX. This was XXXX day after my card was activated and money had been withdrawn. The charge or withdrawal of {$520.00} in XXXX was NOT done by me or my husband. The card was with me the whole time, so the card itself was not stolen. I dispute this transaction of {$520.00}. Following up on this, I was recently told that my dispute was denied and closed. How can this possibly be closed and denied? It is clear that the hackers/ spammers were jumping on funds as soon as the card was activated and used, and this is what happened to me and my family. Ive included a list of the transactions to clearly communicate the dates and transactions that are being disputed and appealed. XX/XX/XXXX {$1000.00} One-time Deposit CA Middle Class Tax Refund ( Balance {$1000.00} ) XX/XX/XXXX - {$1.00} ATM Withdrawal Fee ( Balance {$1000.00} ) XX/XX/XXXX - {$500.00} Withdrawal XXXX XXXX ( XXXX {$540.00} ) XX/XX/XXXX - {$1.00} ATM Withdrawal Fee ( Balance {$540.00} ) XX/XX/XXXX - {$520.00} charge*TARZANA XXXX XXXX ( DISPUTE THIS XXXX ) ( Balance {$21.00} ) I am filing this complaint to recover the {$520.00} that was stolen from my account on XX/XX/XXXX in XXXX. I filed a dispute to Money Network and it was denied. If you need any further information, please let me know and XXXX happy to provide it. Thank you for your time and effort in this matter.
05/26/2023	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	IA 52246	Web
This correspondence is a complaint and should be recorded and tracked as such. On Friday XXXX, XXXX, 2023, I went to XXXX XXXX in XXXX, Iowa to purchase a dryer for a rental unit my husband and I own. Over the years, we have purchased many goods from XXXX XXXX using cash, credit, and/or checks. I wrote a personal check ( Check # XXXX ) for the amount of the dryer, vent kit, cord, and taxes. in the amount of {$700.00}. There were more than sufficient funds in our bank account and we have maintained accounts at this bank for some years. The clerk ran the check through Telecheck and the check was " denied '' with no specific reason provided. Effectively, Telecheck denied my credit. I immediately told the clerk I wanted to speak to a manager who came over. My husband was out of town, so I called and put him on speaker phone. My husband said to take the check and leave and he would buy a dryer at XXXX when he came back to town. The manager was very apologetic and agreed to process my check as cash, which he did. So, I was able to purchase the dryer without using my own credit cards or applying for a XXXX XXXX credit card. The fact remains ; however, that Telecheck denied, or recommended disapproval to a retailer of, my check and has provided me with nothing in writing. The clerk handwrote " XXXX '' on my order but I don't know whether this is a denial code. This transaction happened in the public area of the store with other customers milling about. I attempted to use the Telecheck website to find out but couldn't get through on the website. I phoned Telecheck and it wanted an excessive amount of personal information about my bank account and me, which I am wary of providing because I do not know what will Telecheck will do with it. Telecheck had no valid reason to deny a check from my account or recommend that a company not take it. I request that your agency investigate Telecheck to determine why it is denying or recommending that a retailer not take a check from a bank customer 's long term account where there is sufficient funds in the account. Further, I request that you investigate the algorithms that Telecheck is using to deny me the right to use a valid check ensure that it is not unlawfully discriminating against any subgroups of individuals based on, but not limited to categories such as age and gender. Specifically, I would like to know whether Telecheck has violated the Equal Credit Opportunity Act or the Fair Credit Reporting Act or any other laws. Thank you for your attention to this matter, and I look forward to hearing from you.
04/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 783XX	Web
On XX/XX/XXXX, I wrote a XXXX XXXX check to pay for a purchase. The amount was {$67.00}. The check was rejected with a printout from " Telecheck '' on the back. I had more than {$1500.00} in my account. I contacted the bank, and they said I needed to call Telecheck. When I called them, they stated I had a bounced check. Upon further asking, they stated that it was a " XXXX '' XXXX a local XXXX Texas bank ) check. I had a XXXX account that I closed out on XX/XX/XXXX. I had a checkbook lost or stolen about that time. Telecheck said that the check was written XX/XX/XXXX for the amount of {$190.00} to XXXX. They directed me to call XXXX. I did call, and I was informed that they did not have any record of a returned check after I had closed the account, and that the account was clear when closed. They instructed me to speak to a supervisor at Telecheck. I called back and did speak with someone who stated that the complaint or claim against me was by a company called XXXX. I asked why and how XXXX could essentially freeze my account ( unable to write checks XXXX because of a check written over 3 years ago. Also that I had not written any check just prior and especially after closing that account. I also said that XXXX never sent any correspondence or called me about this. The Telecheck supervisor stated they would turn it over to " claim investigation '', but they requested I fax them a letter from my old bank, XXXX XXXX Texas XXXX stating that the account had been closed and the date. They also requested a copy of my Drivers license, and a cover sheet with my name, address and phone number, with the case number on each sheet. I did fax the information to them and their investigation department. I know that checks to XXXX are processed immediately, and they do not ask for identification. If funds are insufficient, the checks are rejected. XXXX Texas told me that if a check had come in after the account was closed, they would have contacted me. I did not attempt to contact XXXX because of some questionable information I had seen when I looked them up on the internet. They have many complaints against them and reports of false claims they have made. I want to see any proof of an overdraft and returned check. Also I want to know where this check was written ( city or store ) and if there is a signature. I again state I did not write any check after the account was closed, especially over 2 months after it was closed. Unfortunately, I have a very common name and am alos wondering if this is a case of mistaken identity from Telecheck.
05/05/2022	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	NC 270XX	Web
I received a Money Network card without my knowledge or consent from my employer for wages earned for a temp job I took. My employer XXXX told me I can cash a money network check for the balance on card in the amount of {$2300.00} and cash it at XXXX XXXX XXXX XXXX XXXX and couldn't provide reason. Now my money network card shows XXXX balance with a check that can't be cashed, which is very strange. Called money network got the runaround and was hung up on and disconnected for 2 hours strait on XX/XX/2022 from my employers office that can confirm this. Got someone on the phone said check was good tried cashing at 2 different banks and declined again. Called money network again on XX/XX/2022 from my employers office and more run around and being hung up on. Called money network XX/XX/2022 rep said to fax image of check then hung up on. Called money network XX/XX/2022 they said cant tell me if they received my request. Called money network XX/XX/2022 more runaround. Called money network XX/XX/2022 they said call during the day. Called money network XX/XX/2022 they said they would void check put funds Back on card in 24 hours, no money on card Called money network 2 days later on XX/XX/2022 and they said to send image of voided check, they confirmed receipt and said funds would be on card in 24 hours, no money on card of course. I have spoken to other representatives as well. I have been getting the runaround and hung up on for 6 days now and still have not received my money that I worked for. Money Network is attempting to illegally and fraudulently steal my money for no reason, by using deception, scripted responses, stonewalling, delaying, disconnecting call, playing XXXX, transferring call, hanging up, making me jump through hoops, call back, and still my {$2300.00} is not being put back on my card. I am the card holder and I am in possession of the voided check in question and I'm the only one that has been in possession of the money network card and money network check since receiving it from my employer. One other strange fact is that check for {$2300.00} hasn't been cashed but there is XXXX balance on card, which doesn't make sense. I am now in financial trouble because money network is refusing to put funds Back on card with their fraudulent business practices. I have kept meticulous records of this entire process and the persons to whom I spoken with. It appears that money network is looking for a reason to fraudulently delay or illegally steal my money and I desperately need my earned wages be rightfully returned to me.
08/30/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Wrong amount charged or received	WI 53589	Web
Fiserv is a service provider for XXXX XXXX. I have a checking account at XXXX XXXX. I have a separate checking account at another institution called XXXX XXXX XXXX. I am a named account holder on both accounts involved. Using XXXX XXXX 's bill pay system, there were scheduled transfers from the XXXX XXXX XXXX Account, to the XXXX XXXX account. This was to make paying a mortgage held by XXXX XXXX easier. On XX/XX/XXXX, I closed the XXXX XXXX checking account via phone. On XX/XX/XXXX, after the XXXX XXXX account was closed, Fiserv debited my XXXX XXXX XXXX {$2000.00} to transfer to the now closed bank account at XXXX XXXX. As this account was closed, XXXX XXXX has no record of this money being transferred, as there was no account to transfer it to. On XX/XX/XXXX, I spoke with XXXX XXXX XXXX who told me to dispute the transaction via their online account management which I subsequently did. The money was posted back to the XXXX XXXX XXXX account as a return on XX/XX/XXXX. On XX/XX/XXXX, I received an email from Fiserv ( and subsequently a letter in the mail, also dated XX/XX/XXXX from Fiserv ) indicating they were attempting to collect on a debt for {$2000.00}. On XX/XX/XXXX I called the listed number on this letter and after explaining the situation that Fiserv did not credit {$2000.00} to my XXXX XXXX Account ( because the account is closed ), they could not debit {$2000.00} from the XXXX XXXX XXXX account and thus it was disputed. I was continually told by the representative I owe {$2000.00} to Fiserv ( even though Fiserv did not pay this {$2000.00} to anyone, because there was no open account to deposit to ). I was then told that the debt was sent to a collection agency because I refused to pay. They refused to tell me what account the money was supposedly transferred to and offered no further recourse other than to pay or go to collections. I have all the documents indicating that I am the account holder on both ends of this supposed transaction and that no money was ever credited to an account by Fiserv, only debited ( and subsequently disputed ). So I am being sent to collections for a debt that is not owed to anyone, and there is no missing money. I was offered no recourse other than collections by Fiserv, and was notified by their representative of being sent to collection on XX/XX/XXXX, only 10 days after their initial notification via mail/email and only 28 days after they originally attempted to debit the money that they didn't credit anywhere, which is verified by both XXXX XXXX XXXX and XXXX XXXX XXXX
05/01/2023	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	CT 067XX	Web
Hello my name is XXXX XXXX on XX/XX/XXXX I made a transation with a seller whos my friend for XXXX dollar payment and XXXX dollar payment on XX/XX/XXXX for a commission through XXXX which is directly connected to XXXX, when I received the product I was not satisfied so I asked for a refund from the seller and got it back the same day, unfortunately my account was also limited the same day on XXXX because I got too much back at once but this does not affect the refund policy from XXXX, I paid directly from my debit card the refund said it would return to the inital form of payment which was though my debit card from my card company. It had said it would take 5 business days to come back and on XX/XX/XXXX it said it arrived at XXXX and XXXX respectively for both but never appeared in my account, each of the payments say they got refunded and even today XXXX called me personally to tell me it was been refunded and they are investigating it even further and have been very helpful and understanding with all the relative information because it just has not shown up in my account and they are very considerate about this situation when I filed my complaint to them and called, I was not worried at first because it said it can take up to 30 days for the card company to put it in which would have been on XX/XX/XXXX, XXXX at first told me that quote when viewing the case initially After reviewing your account, we found that transaction amount {$1000.00} USD is an authorization and not a refund to your credit card. An authorization is a temporary hold of money and not a completed charge. Please contact your credit card issuer to request they release authorization XXXX as we can not complete it which I understood so I Called my card company the money network which is headed by XXXX bank and asked on multiple occasions if they are holding that money from a authorization and if they can release it, but they have told me no we can not do much for you since the transaction details for certain XXXX transactions do not show up the the companys app they can not release it, both payments made are not showing up on my cards transaction app so they are not looking into it further and not helping me with that huge amount stuck in limbo because they cant authorize the refund I was already given by XXXX probably 3 plus weeks ago at this point. Or its something else that isnt allowing them to send the XXXX back but it very much seems that my card company money network and XXXX bank are to blame in not returning my funds as of this moment
12/27/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	FL 33884	Web	Older American
I have a Money Network debit card through my company, XXXX XXXX. On XX/XX/XXXX, I transferred {$450.00} to my fiance 's XXXX XXXX XXXX account as I have done many times over the year. I put the money into his account so I can send my landlord an e-check to pay our rent as this saves me a {$15.00} fee, as opposed to using my debit card to pay it. This time, by XX/XX/XXXX, it still hadn't arrived there, so I called the number on the back of the card, ended up at a call center in XXXX. I explained the situation to her, that this was my rent money that was missing, she said there was nothing they could do and that I should call another day. I called on XXXX, then again on the XXXX, XXXX, XXXX, the last call being on the XXXX. At XXXX point they said they were sending this to 'research ' to look into what happened. I've spoken to call center personnel, supervisors, and a manager. On XXXX, the manager told me that I would have to file a dispute, that she would send me the forms in the mail for me to fill out and send back. I begged her to email them to the email address they had on file for me on my account but she refused. They FINALLY arrived late on the evening of XX/XX/XXXX, as I was on my way to work, I filled them out there and sent them back on XX/XX/XXXX. The day the forms came in, I also received a letter dated XXXX, it said that they had completed an investigation of the 'dispute ' on my card and had determined that 'no error occurred ' and that the dispute claim had been closed! If there was no error, then where is my money??? The dispute form I received that night also said that it could take up to a total of 90 days for this to be resolved. I spoke to XXXX XXXX XXXXXXXX on XXXX, and they do not have the money. Because of this mess, I ended up paying my rent late, they charged me a {$50.00} late fee..Money Network also charged me a {$3.00} transfer fee for money that never arrived at its destination. Because of Covid, I have only worked sporadically, I work as a Security Officer in XXXX, and the shows I get scheduled for keep getting cancelled. That {$450.00} is going to be a problem again for me at the end of this month because rent is due and XXXX XXXX XXXX check has already been spent because he had to cover the {$570.00} rent payment, so some bills that need to be paid had to be put off or allowed to lapse, like cable, cell phones, auto insurance, and his special dietary considerations due to having XXXX XXXX XXXX on XX/XX/XXXX. Please help me! Thank you for your time.
03/09/2020	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	CO 80304	Web
Reporting Forgery/Counterfeiting Here is the information requested from Telechex approximately 12 days after me filing a report of unauthorized funds being debited from my account. Here is a quick background. I found unauthorized debits coming from an XXXX account linked to XXXX XXXX directly withdrawing unauthorized money from my personal checking account. Upon noticing this, I immediately called my bank, XXXX, who referred me to Telechex. I went to the Telechex website and tried to find a phone number to call. After much searching, I found a phone number where I waited more than 35 minutes only to be referred to another area on the website that specializes in fraud. I filled in the relevant forms on the website which said that it could take up to 30 days for Telechex to respond. I called my bank again and they said that they couldnt stop charges from debiting accounts linked to XXXX because there are too many company ID numbers associated with XXXX to block all of them. They again asked me to get in touch with Telechex. 10 days later a letter arrives in the mail and asks me again to fill in the exact same forms that I already filled in on the website. In the meantime, more money was debited from my checking account while Telechex decided to use the postal service for communication instead of a phone or email. I am sending a copy of this letter to Consumer Financial Protections Bureau along with my response directly to your fraud department. The fact that Telechex doesnt have a fraud number to cease nefarious activities and that it could take up to 30 days for a response are completely unacceptable responses when a fraud is ongoing. It is fairly obvious that Telechex has outgrown its perceived responsibilities to its customers when all my complaints yield is a perfunctory letter delivered by the mailman. It is a further disgrace that the only action I have been able to take has come from assistance in the XXXX call center of Telechex from someone who helped despite this not being their job. I respectfully request a phone call from a domestic manager at Telechex to explain why their customer service experience and fraud mitigation services are so understaffed that they cant respond immediately in cases of fraud. Furthermore, it would be nice to also know why the rest of the world has embraced email and phone calls as acceptable and immediate forms of communication yet Telechex still uses the USPS to act on items that require immediate attention.
02/21/2022	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	MN 564XX	Web
I was at the store on XXXX XXXX doing some shopping when it came time to check out i could not find my card so I went to use XXXX XXXX and my payment kept not going through so I pulled up My Money Network app and seen a {$1000.00} transaction sent out of my account to XXXX XXXXp so I ended up having to leave the store without my groceries felt like everyone was staring at me.so I then called my cards customer service right when I got into the car told them about the unauthorized transaction told them I locked my card had them cancel it and send a new one sent within 2 days next I called XXXX XXXX to let them know of what had happened wasn't sure if I had to contact them or not.So then had to wait for papers to come in the mail to sign the dispute. on XXXX I received 2 envelopes from money network one held the dispute papers the other held a denied letter about my dispute due to me not doing the paperwork I got both papers on XXXX how does that work i dont say how long the mail takes to get to my house. IV been with these guys for years never any problems I was shocked the transaction wasn't denied and flagged since IV never sent that amount to anyone ever to me that is a none normal thing and should of been stopped and I should of been alerted for it iv appealed my dispute like 3 or 4 times still denied I sent them my XXXX statement for XXXX XXXX XXXXo prove it was not my account nor did I have any transactions like that I told them that someone has to of stole my card cause I couldn't find it to make my purchase and with the transfer transaction it's obvious some one had used it I also notified all 3 credit bureaus about the fraudulent transaction iv talked to money network on the phone many many times even asked to talk to a supervisor a few times just gets me no where I don't understand this I feel like this is there fault not mine why do I have to go through this headache.on money networks web site it says stay confident with XXXX XXXX Zero Liability Policy* is our guarantee that you ( won't be held responsible for unauthorized charges made with your account or account information ). You're protected if your XXXX credit or debit card is lost, stolen or fraudulently used, online or offline. Iv seen there has been many diff lawsuits against money network for not crediting people 's accounts for unauthorized transactions and other similar things so please I beg you to help me get what I'm owed by money network it's just not fair or right.
11/02/2022	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	CT 06340	Web	Servicemember
On XX/XX/2022 I lost my credit/debit card which I receive my payments from the XXXX company XXXX It was lost at the XXXX XXXX hospital and then stolen and used fraudulently. I immediately became aware of the situation when I received notification of my card application of several charges made XXXX after the other, that was in less than an hour and I quickly proceeded to block my card from the application, call the bank and then went to the police department of my city to make the complaint of the theft of my money. I report it as soon as I realize, I understand that not even XXXX hours passed from the moment I got lost in the bathroom because it was the last place I went from the hospital in XXXX XXXX. I assume it fell out of my pocket and someone then found it and went to buy with my money, the money that was for the rent of my apartment. When I called the company XXXX XXXX ( MONEY NETWORK ) They took my statement and told me that they would give a temporary credit and that this money would not be lost. But after a long time after they told me they would not give me the money and I appealed the decision and nothing, They refused to give me my money and it is the first time something like this has happened to me and I understand that I called within the first XXXX hours that the facts arose I did everything they told me even they told me it is not necessary to go to the police, But since it was a theft of money I went immediately to investigate and catch the person responsible for stealing the money. The amounts were {$21.00} XXXX XXXX XXXX {$43.00} XXXX XXXX {$31.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$24.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$520.00} XXXX Didn't this bank realize it's a fraud? I never made so many purchases ever with my account and less as they made them, I use my account very little and never made purchases greater than {$40.00} dollars I do not know how the fraud alert mode is not activated being XXXX transaction after the other. They did not finish emptying my account because I managed to block the card when I got the alert of several charges. I ask for your help in this case and return every penny that was stolen from me, this can not go unpunished. In fact, the police have not yet closed the case because they already have clues of a man and are working to achieve his capture. DISPUTE CASE ID : XXXX XXXX Attn. : Billing inquiries Money Network Financial , LLC, XXXX XXXX XXXX XXXX, GA XXXX
04/15/2020	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	MT 59901	Web
I have an account with Money Network LLC a company of First Data, around XX/XX/2020 I noticed that someone was phishing my account and I called Money Network to have them issue a new card due to this activity, I received a new card on XX/XX/2020. Then on XX/XX/2020. {$440.00} was fraudulently taken from my account to purchase gift cards, I immediately notified Money Network of my claims and started a dispute process. They issued a new card and told me that my account would be safe. I asked them to also change my routing number and account number so I was assured this would not happen again, they assured me with the new card that my account was safe and they could not change the account number or routing number. Then on XX/XX/2020 the same thing happened in the amount of {$650.00}. I immediately called Money Network and once again started another dispute process. Which again they issued a new card and refused to change my account or routing numbers. Then on XX/XX/2020 my federal tax return in the amount of {$1200.00} was fraudulently taken from my account and used to purchase gift cards from XXXX, I immediately called money network and once again I started a dispute process stating that I wanted my money refunded to me and that I wanted my account and routing number changed. Again they refused to change my account and routing number and once again they only issued a new card. Now as of today XX/XX/2020. My Federal stimulus money in the amount of {$1200.00} was fraudulently taken from my account to once again purchase gift cards. I have had to appeal these first 3 cases numerous times and have provided Money Network with documents proving that I did NOT make these purchases. Yet they continuously deny my claims stating that I am NOT providing them with enough information. I have asked numerous times to talk to the Dispute or Fraud Department directly to which they claim that it is an internal Department and there is no direct phone number and no way for them to connect me to the dispute or fraud department. Also it is stated in their own policy and agreement : under Disputes and Error Resolutions that if more than 10 business days are needed to research the transactions they will credit the account within 10 business days for the amount in question. Which has not been done. On XX/XX/2020 I was told that all of my existing disputes were denied once again and that my account had definately been hacked.
09/14/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	MI 487XX	Web
On XX/XX/XXXX, I was offered a work from home job with CardConnet as a XXXX XXXX XXXX XXXXXXXX position via text from a XXXX XXXX and asked if I wanted to proceed with an online interview. I just signed up for a couple job sites a day before so I had no reason to think it was a scam. The interview was through XXXX. He introduced himself as Hr Hiring Manager XXXX XXXX and explained the job and the role. I was told I was going to get sent a check for {$2400.00} so I could get an encrypted laptop and the programs required. On XX/XX/XXXX I deposited the check via mobile deposit into my bank, XXXX XXXX XXXX, and then was informed the vendor, XXXX XXXX, wanted to use XXXX as the form of payment to get the equipment needed. After the check became available in my account on XX/XX/XXXX, I transferred the funds from my XXXX bank to XXXX. After about 5 failed attempts with the XXXX payment, I was getting frustrated and told them I was over it and that I just wanted to send their money back. So, I was given the vendor, XXXX XXXX, bank information for a wire transfer, which I sent within the same day. I used my XXXX debit card to make the wire transfer. Today, XX/XX/XXXX, I received an email early morning saying the wire transfer from XXXX XXXX was completed. This afternoon, I received a call from my bank, XXXX, informing me that the check was fraudulent and now my bank account is negative {$2400.00}. They also informed me that a legit job would automatically supply me with what I need to start work and that I got scammed, and unfortunately they see a lot of it. I was told to reach out to XXXX and XXXX XXXX to see if they can cancel/refund the money. I did a dispute with XXXX, and XXXX said to contact the recipients bank, XXXX XXXX XXXX, since the transfer was completed on their end. I also did a fraud claim with XXXX XXXX. I finally got a hold of XXXX XXXX XXXXXXXX and told them the situation. They told me that unless I'm on the recipients account, there's nothing they can do about it and they apologized for what happened to me. They suggested I submit a fraud claim through my bank even though they called me. I ended up doing that and answering the questions to the best of my knowledge. I was hoping XXXX XXXX XXXX would accept the recipients information given to me to cancel/refund/flag the transaction but they didn't really seem too concern that somebody banking with them was scamming people.
04/14/2022	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	MO 63146	Web
My bank ( XXXX XXXX ) uses a 3rd party company, Fiserv for Bill Payment Services. We requested a stop payment thought FiServ on a duplicate payment being sent to our Cell Phone Provider ( XXXX ). XXXX XXXX communicated to us that the stop payment had been processed. Many days later we learned that a freeze had been placed on our bill payment service and none of our bills had gone out for payment. In a panic we called XXXX XXXX, who directed us back to FiServ. FiServ told us that they wouldnt unfreeze our Bill Payment until we paid them {$210.00}, which is the amount they said they sent to XXXX on our behalf even though we requested a stop payment AND the stop payment had been confirmed by XXXX XXXX. We informed FiServ that XXXX hadn't posted a duplicate payment from us. Additionally, XXXX informed us that they never received a duplicate payment for us. We continue to request a refund from FiServ in the amount of {$260.00}, but they are not willing to do so and keep telling us to call XXXX. XXXX says they don't know what FiServ is talking about and has never received communication ( XXXX or phone call ) OR a second payment from XXXX XXXX. This is clearly an issue of a bad process on the part of XXXX XXXX and FiServ. Specifically, there are no verbal disclosures that are covered on the call informing consumer that there may be a freeze placed on bill payment services. Additionally, they don't offer a process in place for the consumer to recover funds in a reasonable manner. I'm assuming that this failure in process has impacted more consumers than just me. It's as if XXXX XXXX is allowing FiServ to hold customer bill payments hostage until they pay for a stop payment that's in process .... REGARDLESS OF IT WAS RECEIVED, PROCESSED AND POSTED BY THE COMPANY THAT WAS TO BE PAID. I'm currently 8 hours into this process and still have no answers. I'm furious and disappointed in both companies. I'm requesting the CFPB investigate this process failure by XXXX XXXX AND FiServ ( Especially FiServ ) .I can only image how many consumers have been impacted by this issues and suffered overdrafts, late payment fees, negative credit bureau impactsetc. Additionally, I'm requesting that the CFPB levy monetary fines against FiServ specifically on behalf of consumers for this process failure. Ill also be sending this summary to a number of attorneys for a class action lawsuit against FiServ.
10/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR 977XX	Web	Older American
My wife and I are seniors in our mid 70 's. On XX/XX/2021 we received a letter from a TRS Recovery Services purporting to be a collection agency asking us to pay {$110.00} for a debt they stated that they purchased from XXXX stores for grocery purchases that XXXX said we made at a XXXX store months prior in XXXX XX/XX/XXXX. They said a check was written by us but for no given reason was never cashed and that we still owed that sum. They quoted our check # XXXX in their rudely written demand. We immediately called our bank, " XXXX '', and found that we, earlier in the year, had used that check number. It was written to our local XXXX store for the amount of {$340.00}. XXXX fraud department sent us a copy of the check which XXXX had cashed the very next day. We have had no missing checks nor any incorrect statements from " XXXX '' for the 12 months prior to the TRS demand for payment. We immediately sent a certified letter to the TRS address attached to their invoice along with a copy of the cashed check written to XXXX. We said they were mistaken and we did not owe them or XXXX anything . We also attempted to call them and/or e-mail them at their listed street address in Georgia and their e-mail address from their original letter without success. Internet research has revealed many complaints about them from other unfortunates who have been made to deal with them. For the last three months we have had several phone demand for payment calls from them, only the first one have we answered. We have had additional requests in writing to pay them as well. To date they have not acknowledged our proof that the check they are quoting was written and cashed by another company nor do we know how they were able to quote one of our actual used check numbers. They stated in one letter to us that if we wished them to investigate their debt claim they would need additional personal information from us, as in Social Security numbers, photos of our Driver 's License front and back, police report, etc. These we would never provide to anyone. Our local overworked and undermanned police department of which our XX/XX/XXXX is an officer does not have time these difficult days to do police reports for every attempt at e-mail fraud that occurs against seniors. We and many others need assistance so that the threats these people make to disrupt our credit ratings can not so easily be accomplished!
05/29/2022	Yes	Money transfer, virtual currency, or money service Refund anticipation check	Problem with customer service	TX 76002	Web
On XX/XX/XXXX I proceed a transaction from my client for a job on my CLOVER account, on XX/XX/XXXX they took the transaction fee out of my account and never transferred the money.On XX/XX/XXXX I had to call to see why my transaction wasn't in my account, come to find out security is holding a review on it, they didnt send an email or an alert ( which is very unprofessional saying that the fund is in review ) ( also they never sent me back the transaction fee since the transaction wasn't made ) I asked to speak to a person in risk department and they tell me the only way to talk to them is via email and they would have to be the one to send it, also that a reply wont be back till 24-48hrs. Now it took a while 2 weeks for a XXXX XXXX only to tell me that I have to wait and that the transaction will be sent to the account the next day. Well guess what? Nothing came in and I called back again and I had to wait a whole two weeks to talk to the same LIAR called XXXX XXXX. XX/XX/XXXX ( a whole month after ) I get on the appointment with XXXX and he tells me that I should issues a refund to the client and that my account will be closed, needless to say this LIAR lied again. He told me that I can issue the refund on XX/XX/XXXX and it will be sent to the client.On XX/XX/XXXX I called the clover company ( by the way, they dont have any good communication, and they dont care about your problems to find a solution for it, theyll give you the run around till you are frustrated ) and they tell me that the refund will have to go thru security risk which might take another two weeks, but yet XXXX XXXX XXXX told me the refund will be sent to my client by XX/XX/XXXX. When I talked to my client he informed me that he hasn't gotten anything. I called CLOVER again and had to schedule an appointment with the same XXXX on XX/XX/XXXX. On XX/XX/XXXX I talk to him and he tells me that he is just now putting in the request for the refund to be released ( mind you he was suppose to do that since XX/XX/XXXX, I also requested to speak with a supervisor to which he told me none was available ( how convenient for him that one isn't available for me to report him ). on XX/XX/XXXX I called CLOVER again to which the told me someone would call me within 24-48hrs, today is XX/XX/XXXX and I have had it with all the lies and run around. this is a round for the amount of {$10000.00}
01/19/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NJ 07026	Web
I am writing this email to file a formal complaint. On XX/XX/XXXX, I went to an ATM to withdraw {$400.00} out of my account like I did days prior. I discovered that I didn't have enough money. When I checked my app I discovered that a total of {$6100.00} was transferred to XXXX XXXX to his personal account. I do not know anyone by the name of XXXX XXXX. As soon as I got home, I called to file a complaint. A dispute claim was started on XX/XX/XXXX and I was sent a new card. I was also told that I will be sent documents to fill out and that I was to return the forms within XXXX business days. I received the documents XX/XX/XXXX, I filled them out and sent them back by certified mail on XX/XX/XXXX. Documents were also sent via fax just in case somehow they got lost in transit. According to the documents, investigations could last between 60 to 90 days. On the same day XX/XX/XXXX, I got home from the post office from sending the forms and I discovered a letter from the dispute team stating that the dispute claim was denied on XX/XX/XXXX. How can a dispute claim be denied within XXXX hours when I never even got the paperwork to be filled at that time. The forms are probably still sitting at the post office and the faxed forms are probably sitting in their fax machine. I called the number on the letter and it kept hanging up on me saying that the card number was incorrect. I called the number on the back of the card and was nicely greeted by a customer service representative, XXXX, who stated that according to the notes it was denied because " the money was sent to the person it was intended to, XXXX XXXX ''. My name is XXXX XXXX XXXX. My name and XXXX XXXX are not even similar names. If that money was intended for XXXX XXXX where is the money I'm entitled to due to my XXXX leave. I just XXXX XXXX and my child and I are depending on that money. How insecure or secure is this bank? Why would they allow anyone to log into someone else 's account and steal the money? How can they determine and close a case without further investigation or even questioning who XXXX XXXX is? Was his bank contacted? There are many questions that need to be answered. I need my money back. This situation is added stress that I do not need after giving birth. This stress is being transferred to my child and I can't even focused on taking care of her. Contact me at XXXX.
09/04/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33511	Web
My husband died in XXXX lawyers and Trustees left debt and in XXXX doubled that debt using a company call Fiserv Lending Solutions that changed the account numbers on XXXX account that was already fraudulently transferred to me as debt instead of paying it off. XXXX with XXXX XXXX XXXX XXXX used this service to produce documents, new debt of XXXX dollars with rights to sale my home out from under me. Fiserv Lending Solution reproduces new documents, debts and rights against homeowners for banks and lawyers. XXXX XXXX XXXX has a criminal record working in Nursing Homes till a death occurred but is still in good standing with the Florida Bar. He was my attorney writing my wills, XXXX XXXX and business attorney for XXXX. One day after death Mr. XXXX took all of our personal information worked with 25 % share holders to appoint personal representative and Trustee XXXX XXXX to open a fraudulent docket with a fraudulent power of attorney under his Mr. XXXX as the deceased before Probate Opened, as the deceased. He used these fraudulent documents to take over all of our personal, business accounts, credit lines and collected 3 life insurance policies and all investment accounts and property. Using four dockets and rotating judges Mr. XXXX and XXXX XXXX whom I hired to protect me and my children was able to hide a criminal paperwork with many orders not signed off by a Judge, I will send docket to show this Racketeering. They produced more fraudulent documents and accounting split the estate and named themselves as Trustees and beneficiaries excluding me entirely and cheating my children of their inheritance as well. I am including documents that XXXX wrote of homestead protected and exempt in the hands of XXXX XXXX. Also included is a investigation by XXXX formerly XXXX that the loan I have been paying on does not exist. Also Fraudulent accounting that the credit line was a credit not a debt to me. Also the letter Mr. XXXX wrote to XXXX and Fraudulent debt and account transfers starting in XX/XX/XXXX to XXXX. Also all supporting documents that XXXX has been reopened. There are two civil cases one where Mr. XXXX was awarded legal fees. That case remains open because of procedural mistakes, due process and fraud. The Probate has been reopened for the same reasons and a Civil case in XXXX XXXX for Civil Theft and Fraud.
12/07/2022	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	CA 92860	Web
I received the California XXXX XXXX XXXX Relief on XXXX thru a Visa Debit card issued by Money Network XXXX XXXX. I activated the card on XXXX by registering with Money Network Financial LLC. On the XXXX I was denied a transaction at a local store for XXXX Funds, at that point in time I should have had approximately {$850.00} in the account, so I took a look at my account history and that is when I discovered the unauthorized ATM withdrawals ( XXXX for {$500.00} and XXXX for {$200.00} plus two separate {$1.00} service fees ) the first one in XXXX XXXX. and the second one in XXXX XXXX. So, I started to look at this situation and I noticed that on XXXX I made a purchase at a grocery store in XXXXXXXX XXXX for the amount of {$67.00} @ XXXX and at XXXX the unauthorized ATM withdrawal was made, that is XXXX minutes and XXXX seconds between transactions, that is physically impossible to do nobody can drive from the grocery store put your groceries in the car and drive to the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX min and XXXX sec. I drove the XXXX routes and best I could do was XXXX minutes XXXX seconds and customer service told me that the unauthorized transaction was at XXXX XXXX XXXX XXXX XXXX XXXXnd for the {$200.00} unauthorized ATM withdrawal it shows it was made in XXXX XXXX. I have not been to XXXX XXXX in over 4 months. The Debit card has not left my possession ever. I have communicated with Money Network customer service over 16 times by telephone 2 by Priority Mail XXXX and 6 separate emails, customer service has hung up the phone on me 3 times put on hold for hours on end. When I called on XXXX Money Network customer service said the case was closed but they couldn't tell me anything else and to call back in 3 or 4 days, I called Money Network on XXXX the case was denied because the pin was used and there was not any money dispensed. That was never claimed as the problem to start with, I don't know where they came up with that. I asked for a copy of the material that was used in the investigation and an appeal form, I was told they didn't have to do any of that. I just want my money back. {$700.00} I was looking over the contract between XXXX. XXXX XXXX XXXX and Money Network LLC. and it's easy reading and in my opinion Money Network is not being fair to the consumer on error resolution.
04/01/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	NY 10016	Web
I am the owner of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Last year in XXXX, I signed up with XXXX online market place by paying {$750.00} in fees. They asked me to fill in a form with a third party company, named clover connect owned by Fiserv, which is managing the online transactions for this market place. Per their online form, I provided details for my bank account for ACH payments to my account for any sales I make on this market place. I was away in XXXX for family matters and did not notice that XXXX XXXX after taking my bank account detail started making ACH debits from XX/XX/XXXX. Further more, from XX/XX/XXXX, the company started deducting {$29.00} additionally for a total for {$49.00} every month. When I found out about this in XX/XX/XXXX when I paid attention to my account upon my return from XXXX and contacted XXXX XXXX, they mentioned that additional {$29.00} was deducted because I did not complete their online form for PCI compliance. When I enquired about this, they said that I must fill this form even if I don't have any cards with them and I have no direct account them. They said they will stop deducting payments only if I fill the form which essentially required me to go to their online website and state that I don't use their card payment platform. All the while, they did not send a single notice of payment or penalty.. They committed fraud by making unauthorized ACH debits into my account with no invoice or bills. This may be the only company in the world which accesses individual 's bank accounts and charges monthly fees even if my company is not a direct customer, and furthermore, charge penalty for not filling their online form for what they state as one of the steps in their onboarding process, when infact my company is not even a direct customer of theirs and they have no right to charge my company for not filling an online form. Please note that they needed me to only state in the online form that t am not their direct customer and that the transactions are done on online market place which is PCI compliant, and therefore the PCI compliance steps are not even applicable to my company. The company too {$210.00} from my bank account unauthorized. Request you to kindly take action on this company for the fraudulent and unauthorized withdrawal of money from my account.
03/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	DC 20011	Web
Last week I stopped to buy a few food items at my XXXX XXXX in my neighborhood. I wrote a check to cover my items and included a cash back amount. Funds were in my account. However the cashier and her manager showed me the print out from Telecheck stating that my check was declined. For forty minutes I was embarrassed trying to rectify that I do not bounce checks. Everyone could see and hear me upset. I called my local bank but it was shortly after XXXX. I thought that someone could confirm that my funds were available. But the manager said that they could only take Telecheck XXXX confirmation and they could not override the denial. The manager asked me to write a second check for a lesser amount of cash back which I did. Again, Telecheck rejected the second check! The XXXX manager apologized and suggested I call Telecheck. Again, forty minutes is a long time to see strangers staring at you when you are trying to purchase just a few items-something from the hot bar for dinner, some coleslaw and water. It took over 15 minutes to get through a repeating, convoluted automated menu to get a live person on the phone. The Telecheck customer service representative denied that Telecheck was at fault and asked me to have the vendor resubmit my check. I told this person I could see the receipt and the message citing the Telecheck denial! A friend I had just been with for two doctor appointments was waiting this entire time in the car- I had no idea that I would be subjected to this type of treatment! And the company blamed the vendor! even as I saw the print out on both of the XXXX receipts! I have both of my rejected checks and one of the receipts. The manager explained she needed the first receipt to void out the transaction. I left embarrassed, angry and upset without my dinner and no water. Later I went to a private smaller local grocery store to get some water. The manager wished me good luck after she told me that she herself had suffered a false accusation by Telecheck that caused her serious problems. At that point I told her that I would be filing a formal complaint against Telecheck. I do not bounce checks. This denial was completely humiliating for me. Disgusting company that should not be allowed to soil peoples reputations and then lie about their behavior.
06/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80120	Web	Older American
i received 2 letters from TRS recovery services XX/XX/XXXX. both were charges from XXXX, 1 FOR {$38.00} on XX/XX/XXXX and 1 for XXXX on XX/XX/XXXX. The reason was " stop payment '' they said my XXXX was returned by my bank. I never made an XXXX for these. When i saw the charges, i searched my orders on the XXXX app, and couldn't find one near that date for that amount. XXXX couldn't either. so, my bank issued a refund for both. XXXX says this has " still '' not been resolved '' This WAS the first time they contacted me. they wrote since it was unpaid, it is now in the nationwide database ( what's that mean? ) of their affiliate, Telecheck, they wrote that until this matter is resolved, Telecheck may not approve your checks or the opening of a new checking account at over 300,000 financial institutions that use Telecheck 's check acceptance and new account screening services nationally. and then that if I don't dispute it, pay them. I checked again, there are no orders for those dates matching this " DEBT ''. i sent a dispute letter, certified return receipt requested, and they signed for it on XX/XX/XXXX. CFPB said they can't make it impossible to cash checks etc. Lying about the consequences of not paying is considered debt collector harassment, according to the XXXX XXXX. And I'm judgement proof too ( Public benefits ). My XXXX meds have stopped working because of this. I forgot to inform them that they were not in my orders, XXXX couldn't find them, and that I'm judgement proof. And I really want to add " so, good luck! '' that's not profane. I want this to stop, it's affecting my health. And since I'm XXXX, it will be hard to get a ride to the Post office to send it certified return receipt requested. I will do this as soon as i can. And I live below the Federal poverty line, so even paying for a ride, and 2 certified letters just adds something to my financial hardship. please do something about this for me. I hope that the fact that they harassed me will invalidate this debt. Reference numbers XXXX and XXXX this was a checking account, not a credit card. I have since removed this account from my digital wallet on my XXXX account. i have no idea why XXXX sent this to collect, since they flagged these transactions as suspicious and couldn't find them in my orders.
05/27/2021	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	MD 20901	Web
I completed my shopping at XXXX XXXX where I had previously shopped and paid by check, and let the cashier know I would be paying by check. She advised me to sign my name on the check. I added my phone no. as I am accustomed to doing when I write checks. As I was advised previously as long as I am a XXXX XXXX " member '' I can write a check at the store and for up to {$50.00} cash back. I requested {$20.00} back so I could go buy gas. Cashier ran the check through the machine at her register but then advised that the transaction was declined. I called my bank because just today I had decided to cancel my check card after it had been missing for about the last week however they advised the cancellation of my check card would not trigger a decline of a paper check and they saw absolutely no irregularities with my account which had more than sufficient funds for the {$82.00} I was writing the check to cover. After enduring the embarrassment and humiliation at the store with store employees and other customers present, and a cart full of groceries, not to mention the hour or more it took out of my homebound commute, my son in tow, I called Telecheck at the no. on the receipt I was provided. I pulled over to punch in all the nos. requested and went through several loops as I drove home ( on a dangerously empty tank ) just to get to a representative. I attempted to learn what happened and how I could resolve the issue so that I would be permitted to write checks on my account and pay for groceries and gas during a period of time I had no other method of payment for basic necessities for my family. I was placed on hold to speak with a supervisor and was on the line a total of close to 90 minutes without any additional information shared to explain their actions, or any resolution whatsoever. This company needs to be held accountable both to merchants and to customers of those merchants. Its unfortunate too that XXXX XXXX could not have entertained other methods of verifying may payment with me, e.g. my photo id, my ph no., etc., but they rely on Telecheck to do that and Telecheck does nothing to support innocent customers who have absolutely no fraudulent intent just so they can make money providing a service that probably harms more people like me, to catch a few fraudsters.
07/28/2023	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	CA 90041	Web
XXXX AMOUNTS DEPOSITED See copies of paycheck stubs below totaling {$4900.00}. AMOUNTS WITHDRAWN Attached to the claim forms page XX/XX/XXXX Page # 2, these amounts totaled {$4000.00}, but the statement for XXXX was not resent by Money Network and there was almost another {$10000.00}. withdrawn during XX/XX/XXXX. REPORTEDFRAUD WITHDRAWALS VERBALLY : on or about XX/XX/XXXX. I was saving the money to do XXXX Shopping and my card was declined. I called Money Network. XX/XX/XXXX Letter from Money Network was sent to me requesting a claim form. The letter and request were received by me after the 10 days allotted for the reply. XX/XX/XXXX Claim denial from Money Network was sent to me XX/XX/XXXX Copy of my Letter and claim form which was returned to Money Network by me, as it took me a while to get all the information together. XX/XX/XXXX copy of Letter from Money Network advising I would have to file an APPEAL for REDETERMINATION OF CLAIM, along with a copy of the envelope from Money Network Exhibit # 4. This was the 2nd time the form was requested, and again the letter was not received by me timely and only gave me 10 days to reply. XX/XX/XXXX copy of my letter to MONEY NETWORK, stating it was an appeal for determination of a claim, including a copy of their envelope EXHIBIT # 4 containing their letter showing the actual dates I received it, which was XX/XX/XXXX. ; along with my XX/XX/XXXX letter which I sent to Money Network responding within 10 working days of when I received the envelope. XX/XX/XXXX Copy of Letter from Money Network acknowledging verbal notification of the dispute, although I had sent a comprehensive written APPEAL for REDETERMINATION of CLAIM. XX/XX/XXXX Customer Dispute Form was completed and returned by FAX & USPS Mail for which I have delivery confirmation. I asked them for the documentation used to reach their findings. Since then my repeated phone calls and attempts to reach a resolution and settlement have gone on and on with no results. Phone calls are unanswered, or I am told someone will get back to me and no one has. The XXXX reports are disparaging, and show this is apparently the normal operating procedure for Money Network. There have been numerous complaints filed with the XXXX, and the same with the CFPB.
02/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 114XX	Web
I received collections notices from them for charges that were fraudulent and not mine. Back on XX/XX/2022 I was a victim of identity theft. Someone Hacked into my email and my bank account, as far as I know no other accounts as of yet just those two and they made each transactions payments to XXXX XXXX. They used my information name, address and bank account to make these act payments. I immediately let my bank know via phone as soon as I saw the compromised activity, they immediately blocked the payments and did not pay out. I had to then go to branch and open new accounts and they suspend the other accounts to prevent more fraud and protect my money. I thought it was solved once I did that back in XX/XX/2022. I then received yesterday 6 notices with my apartment missing so it got to me late from TRS Recovery services, letting me know that I owe all this money for lyft. The letter states I can call, mail or fax or process a fraud dispute online. So I called them, spoke to several representatives that let me know I can process the dispute online. I went online and the site was asking for my social, date of birth and drivers license. I don't know why that was necessary. I told them I would fax my information over with proof from the bank that it was fraud charge and not paid. I explained over the phone to them I was doing this and said it would take 30 days. This incident happened on XX/XX/2022 and the letter was send out on XX/XX/2022 to the wrong address missing my apartment number so I didn't receive it. Explaining over the phone it was not me and I had bank proof wasn't enough they wanted me fax or mail. I feel they seemed very XXXX and I'm worried by me faxing this information to them, my information will be compromised some more, so I limited the information that was sent and sent them the fraud form they provided and had it notarized with my bank statement. I want them to please stop harassing me I had sent everything they needed and I also wanted to make sure they are a legit company. I also tried making police report but they stated since my bank never paid they can't do a police report because I lost no money and I changed my bank account and login bank information they told me the bank statement and letter from bank was enough.
09/30/2022	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	TX XXXXX	Web	Older American
XXXX XXXX - Fiserv for there online banking payment. I spoke to an agent @ Fiserv XXXX ( XXXX XXXX ) with her supervisor sitting with her. She was confused with the questions I asked with changing the answer several times. Frustrating and out of patient, I asked to speak with her supervisor which she replied " I can take your name and she would call me in 48 hours. I told this was imperative the timeframe is unacceptable but repeated several time with the supervisor listening to call. Finally after 30 minutes of incorrect information and refusal to get the supervisor ( XXXX XXXX XXXX, the supervisor ( XXXX XXXX XXXX got on the phone. I asked the question " so you were listening, I do the same thing with my new agent ... the only different is I would not stress the new agent because she still learning. I would have taken the call to avoid a Bank Legal Issue. The scary thing was XXXX as supervisor ( XXXX XXXX ) could not explain anything either. XXXX asked me for phone number and would call me when she get to her desk because she was sitting with new agent. OMG.. I said " so you were listening..she answered yes... I said your comment getting back to your desk. i think she return the calls but I was on the phone XXXX. I requested transmitting information t compare before filing a complaint against Fiserv and XXXX so there will be 2 complaints against financial and processor ( Fiserv ) institutions. On XX/XX/2022 same day as contact Fiserv and they said to call XXXX so I did. XXXX XXXX XXXX ( XXXX ) says online electronic payment are sent to the recipient but the recipient have to accept it before they send the actual payment. That's incorrect the financial institution sent the payment through clearinghouse ( in Batches when the payee like XXXX XXXX XXXX ) then once recipient receive and post the payment. Aslo, stated the updating payment confirmation number started with XXXX which totally wrong and misinformation to avoid accusing XXXX I have several scenarios o XXXX Bank online Bill Pay and I found the following : - Online payment confirmation numbers begin with XXXX - Canceling a pending payment confirmation numbers start remains the same - Edit a pending payment confirmation number start with XXXX
03/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60632	Web
Around XX/XX/XXXX I opened a Merchant account through XXXX XXXX for my small start up business : XXXX XXXX XXXX XXXX XXXX Tax I.D : XXXX Account was opened by First Data , Mechant ID : XXXX Terminal ID : XXXX Account was set up by XXXX XXXX XXXX A credit card reader was sent to me from a company called XXXX. Upon receiving the equipment my parking software vendor XXXX said : XXXX is incompatible with our system and the equipment was returned by XXXX XXXX using the same box and return label that came with. Equipment was never used, not even plugged in. Firstdata account was closed and never used either. Not even one transaction was made and I have never transacted through Firstdata in the past either. I continue to receive email invoices from XXXX. When calling XXXX it had changed names to XXXX, XXXX XXXX email address and phone number were disconnected. I contacted XXXX XXXX and spoke to XXXX XXXX ( XXXX ) XXXX XXXX in XX/XX/XXXX at Merchant Services who came back to me a couple of days after saying that the issue had been resolved and there was no active account and no moneys owed due to the simple fact that the account was never used and the equipment had been returned. Not only I still get email notices saying that XXXX will be debiting my account for my monthly service but now I am receiving emails from XXXX ( one of XXXX XXXX ) saying that my Business Credit report has a new alert. Upon login in to XXXX, which I had never done and looking out for my credit report it said that my credit score is low due to payments late more than 90 days. I called XXXX today XX/XX/XXXX and got to speak with XXXX XXXX ( XXXX ) who introduced herself as a supervisor for XXXX ( but her email is firstdata ). After a long conversation she transferred me to customer service at XXXX XXXX She is well aware of the fact that I never transacted with Firstdata, XXXX, XXXX, XXXX and she is well aware that I do not owe any money to any of the mentioned parties and she is well aware to the fact that it is XXXX/Firstdata who have to remove the derogatory remarks on my business credit report as I have never had any business with them nor my business has any credit lines with any other institution either.
03/11/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	FL 33844	Web
My name is XXXX XXXX XXXX, I have been an account holder with Money Network financial LLC/First Data for about 6 years. I've never had issue up until recently. My account was hacked and I have no doubt my card was cloned and pin number stolen as I was a victim of fraud/theft, the perpetrator ( s ) stole {$480.00} from my account on XX/XX/XXXX of this year, I alerted money network on the same day of the theft, my account was frozen and issued a new card immediately. I was told it would take about 45 days for their investigation but that I should receive a provisional refund to my account within 10 business days of the reported theft which never happened. The next day I filed a police report and received a case number a few days later and the investigation is ongoing from what I can tell as I have not been contacted yet by investigators despite my unsuccessful attempts at reaching them. Further, at the end of XXXX I was sent a vague letter by money network stating that my their investigation was complete and closed and that I would not be refunded. When I contacted them, they had no explanation to give me other than that I had a right to appeal their decision and that it would take 45 to 90 days for my appeal to have a final decision. I have vehemently denied that I had committed fraud on my end and reiterated to them in my appeal that there was still an active police investigation and supplied them once more with the case number and my whereabouts at the exact time the money was stolen. They have given me the run around multiple times when I ask for a detailed explanation of their initial findings and I have submitted in writing pursuant to their policy and still nothing. It's now 2 full months since the theft occurred and Im being placated with the same old bureaucracy about their investigation needing to be complete in the 45 to 90 days of my appeal and them claiming to have sent it out and if I haven't gotten it I should contact their appeals division ( to which one operator told me there was no way for me to contact them directly ). I've had enough, this company appears to be as shady as they come and they themselves should be investigated for the lies and fraud they are perpetrating!
03/11/2020	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	WA 98126	Web
Your Information Full Name ( s ) XXXX XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX, WA XXXX United States Physical Address ( if different ) United States Phone ( XXXX ) XXXX Email XXXX Preferred Method of Contact Email If you are submitting this complaint on behalf of someone else can you provide a signed authorization from that person? Yes Against Whom Are You Filing A Complaint? Name ( s ) XXXX Address United States Phone ( XXXX ) XXXX Who You Contacted XXXX support representatives, XXXX Are You A ( If Applicable ) Buyer Transaction Details Type of Transaction Wire/Money Transfer When did the transaction occur? Sun, XXXX Amount of Transaction {$2200.00} Complaint/Problem Provide a description of the problem ( remember to include : who, what, when, why and how the event transpired. ) XXXX sent {$2200.00} of my customer 's payments from my business account to an unknown third party out of state who supposedly claimed that I owed them money. There is no court orderer garnishment, no court order for money judgment and no notice either. This is amount to stealing.When I called they said someone filed a lien against my business for a money claim and in response to a debt collector they are not sending all my business transaction funds to that debt collector instead of my business bank account. How can I get the {$2200.00} back? Thank you. Can you provide copies of documents relevant to the complaint? Yes Have you tried to resolve your complaint? Yes Date ( s ) of Contact XX/XX/2020, XX/XX/2020, XX/XX/2020 Method of Contact Phone Who You Contacted XXXX representatives Phone of person you contacted ( XXXX ) XXXX Have you filed a complaint or contacted another government agency? No What do you think will resolve this problem for you? To get my {$2200.00} back in my business bank account How did you hear about XXXX? website Attorney Information Do you have an attorney? No Declaration By filling in my name and date below, I declare, under penalty of perjury under the laws of the State of Washington that the information contained in this complaint is true and accurate and the information may be used to further investigate the complaint. Full Name XXXX XXXX Date XX/XX/2020
12/30/2021	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	UT 84116	Web
Back in XXXX I was supposed to receive my XXXX card as part of the stimulus package for 2021. Someone in my household intercepted the letter that contained my card, and told me it never showed up. I put off calling on it until this XX/XX/2021. Mostly because I figured if anything I'd claim it on my taxes next year if they never sent it to me. But something told me to check by calling the company to see if a replacement or something could be sent out. I then asked if there was even still a balance left on the card and they said that no, there wasn't. So I didn't become aware of the fact that the card had been stolen and used until 8 months down the road. To activate these cards, someone needs the last six numbers of your social security number. Easy enough for a housemate of mine to access considering my tax documents are present in many of my files in various accessible places in our home. I went ahead and asked the representative to give me the information on which merchants had been visited and my funds had been spent at. I recorded the information down so I could begin the dispute process and file a police report. I submitted my written claim in the alotted time, with the copy of the police report and waited. Today I received a denial of my claim in the mail, citing " inconsistent information '' as their reasoning for denying my fraud claim. I am beyond frustrated. I have no clue how to remedy this but most of all I don't understand where in the world the information was inconsistent considering the police report I filed corroborated the information they gave me about the charges on the card, and all the info on the dispute form matched the police report and the bank statements. I just don't understand why they wouldn't honor a claim that gave all the necessary information. I didn't even know my card was stolen until I called to see if I could just get a replacement since I was under the impression the first one just got lost in the mail. MoneyNetwork, the company that handles distribution of the XXXX cards for stimulus check funds, is the company in question here. They have been less than helpful and if anything negligent in handling this efficiently in a timely manner.
04/23/2023	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 91739	Web
XX/XX/XXXX, XXXX - My whole purse was stolen from my car in front of my daughters XXXX parking lot. XXXX started calling all my cards to stop fraudulent transactions from processing. XX/XX/XXXX, XXXX - Spoke with Money Network ( Economic Impact Payment ) to report card was stolen thru an automated system. XX/XX/XXXX, XXXX Cops were called to the scene and they have criminals on cameras from the school and ID on police report. XXXX Money Network sent me a replacement card but when they sent the card we realized the card had been used during the time of when my car was broken into for a total amount of {$2400.00}. At the time Money Network said they would send me a dispute form to fill out and send over with my supporting documents. Never received the form. Just the letter notifying us we were denied because we did not respond in a timely manner. XX/XX/XXXX - Received letter from Money Network saying we were denied due to the timing and card-present indicators of other recent transactions. Please keep in mind we have not used this card since we had received the money in XX/XX/XXXX till XX/XX/XXXX for a one time purchase. XX/XX/XXXX - called Money Network to find out what to do because we never received their form. So, they sent us the dispute form to fill out but to place APPEAL next to the date. XX/XX/XXXX - Received the Dispute form and sent in all supporting documents attached via email, us postal mail and by fax. They never received the emails neither the mail and only the fax which was now XX/XX/XXXX. Since I wasn't getting any sort of response from the appeal process I was told I should open a new case which was done XX/XX/XXXX - Disputed fraudulent charges that were not charged by myself or my wife. XX/XX/XXXX - Money Network has not contacted me in any manner to notify me if the appeal has been processed or investigating or denied. Or what the status is of the new case. I had to battle for XXXX hours to get someone on the phone to tell me my dispute was once again denied. Can someone please help me???? Help me in getting some answers I have all my supporting documentation so these criminals don't get away with my hard earned American money.
03/02/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 27513	Web
I've been communicating with XXXX XXXX about a Line of Credit that I used to have with the bank. That Line of credit is now charged off. On XX/XX/XXXX of 2021 I called their customer service with the attempt to Settle this account. The customer service representative from XXXX XXXX told me they don't settle debts but that I can call their collection company called TRS. She provided this information but at the same time couldn't provide me a phone number or address to such business. I then contacted TRS via telephone that same afternoon of the XXXX and spoke to XXXX XXXX. She did confirm the debt and the amount owed. I asked them how come they never tried to contact me in regards to this debt and she claimed the company did however I have never received any correspondence from them. XXXX also told me of a settlement offer on the account in the amount of {$1100.00}. Original amount owed is {$1500.00}. She stated they were to send a letter that same day with the settlement and that I can pay over the phone. I went ahead and made the payment to settle the account over the phone with her using my debit card. On Wednesday the XXXX of XXXX I then contacted TRS again just to make sure that the settlement had been reported to XXXX and this is where the problem started. At first, they kept hanging up on me and telling me there is no settlement on this account. Other representative would take my name and phone number with the promise of having a supervisor by the name of XXXX XXXX call me back. No call has been received. I also have contacted XXXX XXXX branches just to make sure this wasn't a scam and at first the branches had no idea who TRS is and how they are related to them. I had to then escalate at a branch in XXXX, NC and a manager finally was able to dig some information and told me TRS does handle their collection accounts but no settlement can be offered. I feel like I was deceived by both XXXX XXXX and TRS into believing that I was settling this debt when I am really now. Also, the " connection '' or " relationship '' between XXXX XXXX and TRS needs to be more clear to its customers. It is deceiving and confusing, even to its employees.
04/07/2022	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	UT XXXXX	Web
I had a client that had multiple stolen credit cards back in XXXX of XXXX. He booked XXXX reservations with us and used a different credit card each time saying they were prepaid because he loads them from being an investor through bitcoin. The merchant service I had during that time ( First Data ) started to hold my funds without any communication on what happened. I called my credit union that I have my business account with ( XXXX XXXX ) to ask why my funds were not being deposited for the past couple days and they said they would look into it. I finally heard back from them that they were holding all the funds ( almost {$25000.00} ) due to some charge backs coming through. When they told me the dates and amounts I was able to figure out that it was the client with the prepaid credit cards that he said he had. All his transactions came out to around {$2800.00}. Since this situation I have signed up with a different merchant to keep business going and I take better precautions with getting all the information for every transaction that comes through. I don't accept any cards that a client says is prepaid anymore and I will only accept major credit cards. The bank says they have no control over this merchant releasing the funds and they don't have any answers on where my money will be released. All the charge backs have happened and I have paid everything back for that client back in XXXX. I also didn't get clear communication on fighting the chargebacks and lost the money that client had stolen from missing the window to fight them. I would have if the person at the bank told me clear communication on what to do. I understand that this merchant wanted to hold funds from what happened but to hold that much money and to keep telling the credit union that they will reevaluate releasing the funds and then nothing happens is getting me concerned. I have all the email correspondence on this from the past couple months that I can send in as well. XXXX XXXX told XXXX they would seek legal on this merchant but have failed to do so. Please let me know what other information you might need. Thank you, XXXX XXXX XXXX
10/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Report provided to employer without your written authorization	LA 71203	Web
Dear Sir or Madam : On XX/XX/2022 I presented check # XXXX from my account at XXXX XXXX for {$45.00} to XXXX at XXXX XXXX XXXX, XXXX LA XXXX. The check was declined by TeleCheck with denial record # XXXX. I received a receipt that provided a phone number to call to have TeleCheck advise me of why the check was declined. I spoke with a customer service representative at TeleCheck. I provided her with the denial record number, my name, my address, my phone number, the banks routing number, my account number and my check number. I had difficulty understanding what she was saying and ascertained that the call center was not located in the United States. She advised me that the check was rejected because I didnt have any history in TeleCheck and she added my information and the next time I would write a check to a merchant who uses TeleCheck my check would be accepted. I told her I didnt want to be in the TeleCheck data base as I dont know who they partner with and would need a Privacy Policy from TeleCheck as they now have personal non-public information ( bank name, routing number and account number ). I subsequently learned that TeleCheck is a Data Broker, as defined by the FTC, and sells sensitive customer information to third parties. She informed me that I volunteered that information and it was in the system. She refused to send me a Privacy Policy. I told her that I provided the information under duress as she said it was required to find out why the check was declined. This was a lie as the denial code would have been sufficient to provide that information. I believe that it was a premise to get information that I ordinarily do not provide without a Privacy Policy. I then asked to speak with a supervisor and was connected to XXXX. XXXX stated that she couldnt give me a Privacy Policy at which time I asked that she delete me from the data base. I asked her to provide me with a written letter explaining the check denial ( would take 30 days ) and also a copy of TeleCheck history ( would take 15 days ). XXXX provided me with an address to write to with my complaint. It is listed above.
01/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WV 255XX	Web
TRS Recovery Services is attempting to collect an XXXX debt of {$13.00} that is not mine. The debt is not mine for the following reasons : I submit the following : The debt of {$13.00} for a transaction on XX/XX/2022 is not my debt and this was verified by a personal phone call to XXXX who assured me that I do not have any outstanding balance or debt on my account. The banking information with the account XXXX that you list in the Payment and Transaction history is not my checking account. I do not have, nor have I ever had an account with that bank account number. A quick search of my personal checking verifies that this transaction never occurred on any of my personal checking accounts. This was easy for me to verify because I am employed at the bank in which I do my personal banking. I will not be providing you with that record because the burden of proof does not rest with me because the account listed isnt mine. You will need to find the correct owner of the account for that information. The billing address listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not my address, nor has it ever been my address. The delivery address of the XXXX item to be delivered is listed as a mailbox in : XXXX XXXX XXXX. I do not live, nor have I ever lived in XXXXXXXX XXXX I have been sent a letter of collection three times. I ignored the first letter but have responded to the second two requests. In the requests, TRS is asking me to provide personal information ( Social Security #, Driver 's License #, bank routing # and account #, etc. ). I have not provided this information in fear that providing it would give them the means of hitting my credit report for an unmerited charge or the information needed to draft the payment and penalty from my banking account. TRS is also asking me to complete a Forgery/Identity Theft Declaration. This would be inappropriate, because there has been no forgery or identity theft attempt. The delivery address, billing address, and banking account # listed is not mine so no forgery or identity theft occurred. TRS has simply attached the debt to the wrong person
12/04/2023	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	FL 34208	Web
XXXX fraudulent purchases totaling {$4100.00} were made on my payroll card, company has my denied claim. I was informed verbally by customer service on XX/XX/XXXX that the above referenced dispute case was declined and the only way to appeal this false decision was to write a letter of appeal. An employee of your company is grossly negligent for declining the fraud claim for a reason I am told of previous charges from merchant ( s ) this is false as I have never had charges from any of the XXXX disputed fraud companies in my history. I am completely distraught over this ordeal and have been told there is no way to speak to anyone in the fraud/dispute department that the only way to communicate is in writing this appeal. I demand a review of this case immediately and the negligent actions of your employee ( s ) to decline my fraud claim based on a false basis. As explained in detail in my prior letter ( enclosed ) dated XX/XX/XXXX I was XXXX XXXX XXXX years of age when these fraudulent purchases were made, I do not own property I live at home with my parents in XXXXXXXX XXXX and do not have a drivers license. I most certainly did not get a tattoo at a merchant called XXXX XXXX located in XXXXXXXX XXXX or pay property management fees or make a charge at total wine or any other of the remaining fraudulent locations. I have worked very hard part time at XXXX XXXX XXXX XXXX XXXX to save for car insurance and your company is denying me credit of {$4100.00} in fraudulent charges. I have followed all rules according the my cardholder agreement in reporting the fraud immediately upon discovery on XX/XX/XXXX, sending the signed customer dispute form and written statement of unauthorizes transactions on XX/XX/XXXX. As stated previously I am reporting the unfair and abusive practices of your company to the Consumer Financial Protection Bureau as well as XXXX federal regulators. If you do not answer this letter to my satisfaction you will answer to them. Please advise what steps your company will take to resolve this matter and credit my account for {$4100.00} in fraudulent charges.
11/11/2023	Yes	Credit 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 344XX	Web
I got a couple of transactions on my credit card right after I got my paycheck I can give you the exact amount around {$400.00} later if you would like to ask but anyways a couple of transactions were not from me on my credit card I filed a dispute the exact next morning and when I filed I filed through email and about 7 Days later I called and they said that my dispute was denied so that is when I filed for another dispute form and explained everything to them and gave them transactions when I sent it through email it also got denied so the third time me doing it I printed out my activity for all my transactions all of them through my account predator and I wrote by hand to Page letter of everything that was unauthorized on my account every penny that was unauthorized I also circled all of the unauthorized transactions just so I can point out that I have never used the transaction multiple times like they are claiming that I did I did not get information from them because I went and did my own information gathering and printed out my own activity log for all my purchases and just yesterday I got a form which is my third form for being denied but this form said that they credited my account {$6.00} which doesn't make any sense because when I looked up the XXXX it told me that I made this transaction on the XXXX but the unauthorized transactions happened on the XXXX and the transaction they refunded me for had nothing to do at all with what I disputed it had nothing to do with it so I'm not understanding why they would grant me the money for that I feel like they didn't even take my case to actually look at it when I detail it explained it to them on the third try wrote by hand the two Page letter I circled the transactions that were unauthorized explain to them when I looked up the people that used my credit card unauthorized I was very detailed about it and I was very quick so I can try to get in that XXXX period or 30 day I'm not sure how long that is but I did everything and wrote down everything I could and I still was denied or I would say credited XXXX in my account
05/29/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	VA 24060	Web
I believe I received an EIP debit card in a white envelope and put it in the trash as junk mail. The IRS website stated that the payment was sent out the week of XX/XX/2020. But we ( my wife and I ) have not received any payment from the government but may have received, as I recall, a unsolicited envelope from Money Network. Money Network would not reissue or replace the lost Economic Impact Payment ( EIP ) debit card or advise whether the card was issued without providing a social security number even though we had to provide a portion of the SS # to gain access to a representative ; they insisted on the full social security number for identification purposes or to even look up information. This practice is in violation of FTC 's instructions, as well a federal law, on its secure website that specifically states " Dont give them your Social Security or debit card number, or any other information. Then report it to the FTC at ftc.gov/complaint which I did. I am reporting the company for violation of scamming, attempting to scam, requiring a social security number as a form of identification and as a scam intended to steal money issued under the stimulus payment Economic Impact Payment program. We are unable to obtain any information regard the EIP payment or debit card. We are unable to collect the stimulus money issued to us because of the corrupt practices of the company. I am unable to assess whether the card was issued, the status of the card or any other information other than the IRS website stating the the money was sent XX/XX/2020. This appears to be an attempt to retain money issued under the EIP program by the company. The amount involved is the reported {$2400.00} that would have been issued under the EIP program. Without addressing this issue the potential is {$100.00} 's of millions or more will be lost by people unable to obtain and unknowingly lose their EIP payments as a result of this company and the failure of the government to adequately inform people that they were issuing EIP payment by a third party and to be aware of this issue.
02/26/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Wrong amount charged or received	PA 193XX	Web	Older American
XXXX/XXXX/XXXX - received letter from Money Network Cardholder Services, which included a Visa Debit card ( last XXXX XXXX XXXX my myself and my husband for {$2400.00}. I did not want the card, and preferred the {$2400.00} be deposited directly into my checking account. XX/XX/XXXX - went to EIPcard.com site and created an account and requested a transfer of the entire {$2400.00} ( Economic Impact Payment ) into my personal checking account with XXXX XXXX. XX/XX/XXXX - Called the Customer Service number provided by EI to XXXX XXXX and advised the money had not been transferred and was told it could take several weeks. XX/XX/XXXX - Called XXXX XXXX again and advised money was still not in my account. Again, told it could take up to 60 days. XX/XX/XXXX - Called XXXX again because I still had not received the money and they offered to put a trace on the money and told me to call back in a few days. XX/XX/XXXX - Called XXXX and they said they couldn't find anything and would send me forms to file a dispute with Money Network. XX/XX/XXXX - Received letter from Money Network with Case ID and forms to be completed. XX/XX/XXXX - Received letter from Money Network that the investigation was complete and there was no error and the claim was denied and closed. They denied and closed it prior to even receiving the completed forms from me. XX/XX/XXXX - Called Money Network to ask them the routing number of where the money was sent to confirm it went to my account and was given the website XXXX to find the documents related to my dispute. This website came back as unfound. Called back to Money Network and confirmed spelling of website, still unfound. I still have not received the money. I provided Bank signed bank statements showing the funds were never transferred into my XXXX XXXX account. The Money Network Financial website shows the balance of the debit card is {$0.00} and the money was transferred to my bank account but it has not been transferred. I also was referred to call the IRS, but was told they could not do anything either.
09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60643	Web
XX/XX/XXXX - {$84.00} TRS Recovery Services XX/XX/XXXX - {$18.00} TRS Recovery Services These amounts are from an account that was closed and no longer exists after a fraud attempt from XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX has been contacted several times about this company, yet they have no taken down the page, done anything about the dispute or prevented letters from being sent. The number ( XXXX ) XXXX is NOT even an active number. There is no other active service number or email to call about this matter and they have not given me validation that the debt was unresolved. XX/XX/XXXX my work email ( XXXX ) was exposed to the dark web last used from an IP address in XXXX Oregon from the same location where the headquarters for returns to XXXX is located. The email was sent a receipt for three items purchase through the app " XXXX ''. XX/XX/XXXX An unauthorized inquiry was made for XXXX line of credit. XX/XX/XXXX An unauthorized attempt was made for a line of credit for " XXXX XXXX '' XX/XX/XXXX Work email XXXX was found several times under the dark web for an EXPOSED email and password for " XXXX '' and " XXXX ''. There are 3 accounts still listed on this credit report that have been CLOSED for one year or more through XXXX XXXX XXXX. They have been settled and are still appearing on the consumer credit report. There is also a line of credit through XXXX XXXX. This is supposed to be written off as a loss as the car was totaled on XX/XX/XXXX. It was settled through the car and medical insurance and written off as a loss!! On XX/XX/XXXX a AI generated call was made to XXXX + using my personal email and information to hack into my email and XXXX XXXX! A charge made by XXXX XXXX XXXX for {$14.00} was cancelled. XXXX then sent an email to my personal XXXX account asking for me to leave a better review of their item from an item I returned in XXXX of XXXX that I was never refunded for!! A subsequent XXXXXXXX XXXX account and debit card were created and the account ending in XXXX was closed on XX/XX/XXXX!!
08/27/2021	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Transaction was not authorized	GA 30114	Web
Attached please find correspondence between XXXX XXXXXXXX XXXX and Fiserv/FirstData and its representatives. In my initial call with with a FiServ rep on XX/XX/XXXX, I created a XXXX XXXX account for credit charges in my online store. There was no mention at all of a {$750.00} cancellation fee in using their credit processing service ; thankfully, this call was witnessed in the bank on speakerphone by my Personal Banker. There is a similar statement from her this past week into their back office which is also on a recorded line. As you can see from the attached correspondence, one of the financial institutions company ( referenced as an aggregate entity of FirstData/XXXX as there is no recognizable domain from the consumer side ) acknowledges that I have not signed in nor used their services as evidenced on emails dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I received confirmation of cancellation on XX/XX/XXXX from FiServ Service Specialist Team from the Fiserv domain which was yet another missed opportunity to MENTION the cancellation fee yet to be assessed. The assessment of the fee in question took place on XX/XX/XXXX, which was not granted due to a lack of funds and ALSO caused me to incur a {$38.00} overdraft fee on my business account. I had been trying to cancel service to no avail beginning in XX/XX/XXXX via email, erroneously believing that one of the representatives who opened the account who were emailed would reply in a timely manner. Review of their email messages will show you that they did not respond - EVER. Several attempts from my XXXX/XXXX branch partners to FiServ via phone and email have also not garnered any response. I believe that FirstData is in violation of CFPB 1030.4 ( b ) ( 3 ) ( iii ), as well as XXXX/XXXX as they find themselves in the unfortunate position of being potentially liable for committing Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ) as a result of the actions of their external service providers ( FiServ ), particularly those that interface directly with customers.
03/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 37343	Web	Older American, Servicemember
In early XXXX of XXXX, XXXX XXXX XXXX XXXX processed XXXX fraudulent transactions with XXXX. While the transactions were against our " checking account number '', the signature on the transactions was not ours, nor was it even in our name. The transactions were clearly fraudulent, and in our opinion, would have required " insider '' support. In the same month, we received a notification of debt collection from TRS Recovery Services ( an affiliate of Telecheck Services , Inc ) trying to collect on the fraudulent transactions. We filed a police report regarding the fraud, and forwarded this report, along with the multipage " disputed debt form '' we got from TRS Recovery Services to TRS Recovery Services on XX/XX/XXXX. At the time, we requested copies of the fraudulent checks to provide to the police department to assist in the department 's investigation. We never heard back from TRS Recovery Services. In XXXX of XXXX, approximately five ( 5 ) years later, we are contacted by XXXX XXXX XXXX XXXX, aka XXXX, ( an affiliate of TRS Recovery Services and XXXX XXXX XXXX XXXX ) attempting to collect on the debt associated with the fraudulent transactions. The initial contact was via phone at which time we explained that we had done everything TRS Recovery Services had requested in XXXX of XXXX and we considered the matter closed and any further attempts to collect this debt was, in itself, fraud. Subsequent to this phone conversation XXXX sent us two letters requesting we complete an " Identify Theft Victim 's Complaint and Affidavit '', a six ( 6 ) page document that resembles the " disputed debt form '' we completed for XXXX five ( 5 ) years previously. We feel this continued attempt to coerce us in to paying debt created by Telecheck Services Inc. 's inability to stop the original " identify theft '' and " fraudulent transactions '' is fraud. The company responsible for enabling the theft is affiliated with the companies attempting to collect the " debt ''. We respectfully request you take action against these companies.
01/12/2022	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	CA 94087	Web
I had last used my prepaid XXXX card on XX/XX/XXXX and it had a balance of {$640.00}. When I went to use it on XX/XX/XXXX it had under {$10.00} on it. On XX/XX/XXXX I called and reported that fraud had occurred. I was sent dispute paperwork in the mail which I filled out and returned via email. I called and made sure they received my completed dispute forms and was told they did and I would be informed of their decision via letter. I got a letter saying my claims were denied due to " inconsistent conflicting information ''. The letter also states " You have the right to request copies of the documents that we relied on in making our determination ''. I called to request this information and was told I could file an appeal and ask for the documents. I did both via email and a written letter. I called to make sure they had received my appeal and was told they had and I would hear from them in 45-90 days. That time had passed and I heard nothing. I called and was told my appeal was denied and I would get a letter explaining their decision and documentation in 7-10 business days. That was on XX/XX/XXXX and I didn't get anything. I called this morning ( XX/XX/XXXX ) and was told I didn't get anything because there was no documentation to send me. It was my understanding that they are required to show documentation that they did in fact carry out an investigation of my claims and that the disputed transactions were indeed authorized ( which they were not ). During this process I got a letter stating that I needed to get in touch with the fraud department because they needed more information and when I called the number on the letter I would only get the general customer service department who couldn't tell me what more information I need to provide and just told me to further explain my claim which I did via email. I found out today that there is no way to directly speak to the fraud department only to general customer service who can't talk to me about my case only read vague notes on the computer left by the fraud department.
10/18/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MI 48910	Web
My Direct deposit account for my check was deposited Into a account that I cant access because theyre claiming my employer didnt submit my information, and I cant activate it without the banks acknowledgment being in there system submitted by my employer and also XXXX XXXX where we can access our pay stubs shows they received the money on, On XX/XX/XXXX XXXX was payday for our company. The week ends on Thursday and our new week starts again and paychecks are Friday weekly.XXXX XXXX XXXX my net pay what is {$350.00} my gross earnings was {$420.00} check number XXXX since I didnt receive my paycheck on that date they said that it was because by the bank didnt work with their banks and or thats why I wasnt receiving it because it was an online bank or something so I switched my bank deposit information to a different bank but the money was has been deposited into the first account at my money network bank I gave originally for my direct deposit. Now Ive contacted the bank, my employers have contacted them and they are telling me that its my employers that have to enter in my name my Social Security number and my date of birth and Which if that were not true that they didnt have my information that I want to have been able to get through their customer service phone line because you either need your card number to access or your Social Security now when I do my card number call back tomorrow when I use my Social Security number it allowed me to speak go through and speak to a person and she kept telling me that I needed to contact my employer which theyve been working on this for the last two weeks and theyve gotten no response from this bank is the online banking the company I work for is an XXXX XXXX XXXX XXXX MI its XXXX XXXX XXXX Also the checking number for this a check # is XXXX. I I have all the documents to verify on this information I just want to be paid or for them to release the money back to the employer because of what theyre doing is taking peoples money and not allowing them to receive it thank you very much
07/29/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	PR 00969	Web
On XX/XX/2021 an unauthorized transaction was made from my account to another personal account and the amount of this one was of XXXX XXXX XXXX XXXX dollars. There is no other person authorized to carry out transactions from this account and as of today, I only have a debit card which was suggested to apply for it again by the same company to avoid any fraud or loss of additional money. As a customer, I think that in some way or another a password could have been leaked since the email account is linked to this bank account and since the day it all happened I have received countless emails to which I have never subscribed. Concerned about the situation, I directed myself to the company and one of their representatives suggested that I fill out a customer dispute form which was sent by mail and the postal mail from XXXX XXXX has been overworked because of the pandemic, but since I only had ten days to send the dispute, they also recommended that I download it directly from the website. I proceeded to download the dispute form and filled it by hand and send it via fax ( XXXX ) as the email did not allow me to send a document that was larger than 10mb. Then, I contacted one of their representatives to confirm that the fax had arrived and they gave me assurance that it had arrived. They told me to give it 1-2 days in which it was verified and when I contacted me again they told me that the dispute had not gone in my favor since the other financial institution had received the money. After all this, about two days later, I received an official letter in which it said that no error had occurred and that my case was denied and closed. I contacted one of her representatives and I asked her if I could take this to the court and she informed me that as a client I have all the right and she also told me that i could call the next day so I can speak with the accounts department so they could give me information about the other financial institution that received the money so I could called them and ask a reimbursement of the money.
12/02/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	NJ 076XX	Web
I was getting my unemployment from NJ state though their prepaid card service Money Network. On XX/XX/2022 {$4800.00} was withdrawn from my Money Network account without my knowledge or approval to an unknown 3rd party. I learned of this transaction on XX/XX/2022 and proceeded to immediately contact Money Network to alert them to this unknown transaction. As per Money Network 's request, I submitted a written dispute on XX/XX/2022. On XX/XX/2022, Money Network rejected my dispute and said " ... no error occurred ... '' regarding this transaction. I appealed this finding upon receipt of the written letter, and my dispute was again rejected by saying " ... no error occurred ... ''. I have attempted upon multiple occasions to reach out to Money Network representatives by phone. The phone number on the Money Network Dispute rejection letter, XXXX, is a non-functional number. On XXXX separate occasions I contacted an alternative phone number for Money Network and I was disconnected due to an issue with the Money Network Phone system. None of these money network representatives attempted to reach out to me after the call was unintentionally disconnected by the money Network system. I state ; On XX/XX/2022, {$4800.00} appears to have been withdrawn from my Money Network account without my knowledge or approval. This withdrawal was facilitated by Money Network without my knowledge. The money appears to have been transferred to an individual unknown to me ; XXXX XXXX ( routing number XXXX, bank account number XXXX ). I have never interacted with any person named XXXX XXXX, nor do I have any knowledge of a person by this name. I have not provided any authorization to any XXXX party to use this account whatsoever. I have never made a payment of {$4800.00} to anyone. Neither Money Network, nor XXXX where the money were transferred willing to reverse the unauthorized transactions. XXXX appreciate if you take an action and help me out on my case. My reference case number with Money Network is XXXX.
02/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 490XX	Web
Complaint against FiServ for submitting false statements to Federal Authority CFPB and RESPA, FDCPA and RICO. I submitted my complaint against FiServ XXXX XXXX XXXX XXXX FiServ XXXX and XXXX who during at least last XXXX XXXX years send me billing statements on XXXX XXXX XXXX XXXX letterheads where FiServ instructs me to send my payments to certain XXXX XXXX XXXX, some of which are rented by XXXX under XXXX XXXX name. My payment are collected by XXXX and processed by unknown to me employees in secured centers who direct my payments to unknown to me beneficiary -without any reduction of my alleged " debt '' or any credits to my escrow account. Most recently someone acting under name of XXXX is sending me XXXX mail with flagrantly fake documents " from XXXX '' while XXXX does not have any records of these documents or my alleged " loan ''. These letters are coming from XXXX XXXX in XXXX XXXX. Under RESPA FiServ acts as a Servicer who for some reason prepare and send me billing statements while another company, XXXX, pretends to be a Servicer without any servicing functions. Under FDCPA FiServ is a debt collector since they collect from me " debt '' Under RICO, this debt is a non-existing debt for unknown to me party and collected for unknown to me " creditor '' using threatening letters from Fiserv XXXX Moreover, FiServ XXXX XXXX sent me a letter from a lawyer ( who did not sent it ) threatening me with legal actions if I do not sign promise to pay XXXX who has absolutely no relationship to my " loan '' which nobody can find. But FiServ, who has dozens of shell point nest doll corporations across the Country, said that my Complaint does not belong to them. FiServ must explain to me and CFPB why my complaint does not belong to them if all " billing statements '' on XXXX letterheads are prepared and mailed to me by FiServ XXXX XXXX and I have material proof for it. As well as letters on behalf of " lawyer XXXX '' and " XXXX XXXX '' which were sent to me by Fiserv XXXX XXXX.
09/24/2023	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	GA 30071	Web
On XX/XX/2023, I used my Money Network card to purchase {$20.00} from a XXXX ( XXXX XXXX ) reload kiosk. The machine displayed that the transaction was unsuccessful. So, I went to the another kiosk a few minutes later and tried again to load {$20.00} on my bus card. This second attempt was successful. However, when I checked my Money Network ( MN ) account balance, I realized my account had been deducted {$40.00}. I called the company and was told the transaction was pending and the {$20.00} should be put back on my card within 3 days. It never happened. I called XXXX and filed a dispute form. I, also, called MN and asked them to send me a dispute form. They said they would mail the form and once I received it, I had 10 days from the day of my call to fill out the info and mail it back. I never received the form. Instead, I received an email stating that I needed to confirm my address because my letter was returned to them. I called and gave them my address again. The representative said the address I gave was the same as on file. I asked her to resend the form. I received the form on the 9th day! I didn't fill it out ; I called instead. The rep said the investigation would still take place without the form. Soon after, I received a letter from XXXX stating that they never received the {$20.00} from the unsuccessful transaction. The investigation was over and my claim was denied. I received a letter a few weeks later from MN stating that my claim was denied because they needed more proof. I called the number on the form and tried to enter the extension but, there was no option to put in the extension. I called them and told a rep this was a computer transfer and I had no way of sending any further information. MN is refusing to refund me for a unsuccessful transaction in the amount of {$20.00}. I recently read some reviews on this company and realized I'm not alone. Many complaints about not receiving refunds for unsuccessful and unauthorized transactions. They have a one-star rating.
09/17/2023	Yes	Prepaid card Government benefit card	Trouble using the card Trouble using the card to spend money in a store or online	CA 90717	Web
I received in the mail what is my " CALIFORNIA MIDDLE CLASS TAX REFUND CARD ''. Looking to transfer the money directly into my XXXX XXXX ACCOUNT, I went directly to my XXXX BRANCH and turned it to the teller for this reason. She asked me to call the number in the card, XXXX, to activate the card and set up a PIN number as it happens with any other card. Called this number which is affixed via sticker to the new card as sent, called from within the bank branch, but a recording would say " this card could not be activated ''. Turned the card to the manager at this branch who tried himself to no avail. They were surprised it could not be activated. They ( bank staff ) called the card issuing business, " MONEY NETWORK '' but nobody would answer. The manager at XXXX XXXX gave me in writing these following information so that I could contact them and clear the issue ... " MONEY NETWORK CUSTOMER SERVICE XXXX '' as well as the e address : account.money network.com I tried calling this number as shown to no avail and also tried the online address and email account to no avail. On XX/XX/23 I called again and finally there was a response, although automated, and the recording offered amongst options the cancellation of the card in lieu of a new one, selection I requested, the cancellation of the card issued and sent to me, the card I had on hand which is not working, and the issuance of a new card. It is today Sunday XXXX the XXXX and so far, no response nor new card nor any kind of communication or remedy coming in from this company, MONEY NETWORK. I have in my possession the card in question with the affixed sticker prompting the user to call XXXX in order to activate the card and set a PIN number, as well as the letter with which the card was sent over the mail. As I understand I already paid taxes or taxes are to be levied on me for this CA middle class tax refund card, but MONEY NETWORK never allowed me to collect this money, which appears to be outright fraud on their part.
03/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AR 717XX	Web
On XX/XX/XXXX, I paid my internet bill with XXXX early, as I was closing the account it was typically auto drafted from. Despite removing the account from my online account and paying the bill on XX/XX/XXXX, XXXX attempted to autodraft on XX/XX/XXXX on my closed account, resulting in ( 1 ) a negative balance on my XXXX account XXXX XXXX XXXX a rejection of the draft by my former bank. I contacted on XXXX XXXX to inform them the negative balance should be XXXX, as I was notified by my former bank that the autodraft was rejected. At that time, the customer service rep for XXXX removed the old account from their end ( even though it was already gone from the customer-facing site ) and assured me the account would be balanced shortly. On XX/XX/XXXX, the customer account site still showed a balance of XXXX. As of this morning, XX/XX/XXXX, the balance was {$0.00}. Today, I got a letter XXXX see attached ) from TRS Recovery Services , Inc claiming that XXXX had turned the " debt '' over to collections and I now owe {$89.00} + {$30.00} " returned Item fee. '' This letter is dated XX/XX/XXXX, XXXX days after I contacted XXXX. In addition, there is no way they would have turned an account where nothing was due over to collections. To " resolve '' the dispute, I went to the TRS website, only to find they require my SSN, as well as a routing and checking account number for a dispute, despite having assigned a " reference number '' to the case. I then contacted XXXX to see if they could resolve the issue. See attached screenshot. The XXXX company does not use TRS Recovery for debt collection, they show my account as in good standing, and there is no debt in collection. I called the number on the TRS letter. The only way to talk to an actual person was to lie in the phone tree and claim I didn't have a reference number. When I did get an " XXXX XXXX '' on the line, she asked for my reference number. When I gave it to her, she hung up on me. This is clearly fraud.
08/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85254	Web
I requested a report from Telecheck in XXXX and later that month received such report dated XX/XX/XXXX. To my surprise, the report listed four different items, all dated XX/XX/XXXX. All were NSF checks to XXXX. I have been an XXXX XXXX member for 20 years, at least, and have/had no idea that one could write a check to XXXX or how one would do so. Worse, not only did the report list each of the four items as " NSF, '' but each carried an unpaid balance. I immediately called XXXX and was connected to several different employees in the Financial Department. Not one person could find anything negative on my account. I spent thousands of dollars a year at XXXX and would think that if I did owe a balance dating from XX/XX/XXXX, XXXX would refuse to let me continue to order without the matter being resolved. On XX/XX/XXXX, I sent a letter to Telecheck XXXX XXXX XXXX explaining that I had already spoken to the alleged Creditor who denied all knowledge of the debt. Under the FCRA, I invoked my right to have Telecheck verify and validate each one of the four claims within thirty days. I stated that if Telecheck could not provide me with any evidence or documentation, then they should immediately delete all references to these items. Today, XX/XX/XXXX, I received a message from Telecheck dated XX/XX/XXXX, which ignored the content of my letter and contained only an extremely comprehensive form to report forgery, counterfeiting and identity theft. First, the information they request is, or should be, in their possession. The form also requires me to do extensive work ( I.e., speak to my former bank and try to get a statement from that time, attach a police report, an FTC Identity Theft Report Affidavit, etc. ). It appears that Telecheck wants me to disprove that these accounts are mine instead of living up to their duty to perform an investigation. A simple call to XXXX, such as the one I originally made, could confirm that these charges are not mine rather quickly.
06/25/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NH 032XX	Web
My work corporation uses Money Network if you don't submit your own bank account details for direct deposit. I have had transactions that took place in the past 6 months from unknown sources stating I made memberships I did not make and charged me a monthly fee that I did not authorize through my checking account. I notified Money network 4 or 5 separate times in regards to these fraudulent withdrawals that I did not authorize but there was nothing done other than telling me to lock my card and that was the third answer I received because the first two said I had to take it up with my work. The fourth person saidy account had been hacked by an IP address from XXXX XXXX, XXXX, and XXXX... I reside in the United States and have not left since my father was XXXX to XXXX back in XXXX or so. I've had about XXXX $ maybe more stolen from me from these foreign places and numerous details from websites that had a XXXX in the description. I contacted the XXXX and had to confront some of them myself to have them return my money, my bank did nothing to secure my account or to notify me of fraudulent activity knowing that I had called and complained numerous times. So here we are again and I got paid XXXX dollars in my paycheck, haven't spent a dime of it yet but somehow only have XXXX left in my account and no available credit in my XXXX XXXXXXXX account which I have also been having issues with regarding my bank and money being returned. It always gets deducted when I have it available but it never gets returned to my account.. I'm at a loss now and feel like I'm being ripped off left and right when I work hard to earn what I make so I can support my family with food. This past week has been a nightmare and I haven't had any funds that I earned that I am able to access to support my kids husband or animal 's so I figured this was my last/ best alternative to get help and to be able to get everything that was taken from me back because the banks don't care it seems.
03/18/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	GA 31707	Web
On XX/XX/XXXX we received a email from XXXX XXXX XXXX saying there was a hold on our account because of increase of sale volume. Only after we noticed we havent been receiving all of our deposits since we started the account in XX/XX/XXXX we were only receiving partial payments so we called XXXX, XXXX XXXX and first data to inform them we havent been receiving the complete amount being deposited daily into our account and that only partial payment have been received from there services since XX/XX/XXXX. They gave us different numerous numbers to call because they had no ideal on what to do in this situation and who to talk to about these funds being held. XXXX XXXX completely stop giving us our payments on XX/XX/XXXX instead of partial payments we have been receiving since we started the account in XXXX. We are owed XXXX from this credit card processing company. They have withheld our finances since XXXX and they have taken XXXX on XX/XX/XXXX for no giving reason nor can they explain where those charges were for. On XX/XX/XXXX they took XXXX and couldnt give reason why and on XX/XX/XXXX charged my account another XXXX all in one month for charges and the supervision at slice couldnt explain or understand the reason my account has been charged so much. We were told that our account funds will be released in 1 to 2 business days and its 2 months later and we still havent received anything from slice but a charge on our account when our account was on hold until further investigation. We have not used slice none in XXXX but yet there is a charge of over XXXX that has been charged to our account. We have talked to many representatives but its getting exhausting because we are getting the run around with this and that person handling our account but no one knows where these charges were accumulated from or why our funds have not been released after sending over all of the necessary documents XXXX times and being verified through there system.
11/20/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 39503	Web	Servicemember
On XX/XX/2021 I contacted XXXX on a dispute I had. This dispute was a business Debt that should not be reported to my personal credit as my company is an LLC. I reached out and spoke to a woman who called me from XXXX who was very rude when I tried to discuss how this was being reported on my personal credit report. I told her that the products were shipped to the customers and they received the products I did not see how her company gave the money back to the customer. She told me when credit card customers file a dispute they automatically refund. I explained to her that this was the reason we left them to begin with and I was actually contacting her company to get the attorney of record so I can take this to court. She told me to use XXXX and she did not have to give me any information. I explained to her that the XXXX XXXX XXXX XXXX XXXXs and the CFPB both told me I had a legal right to this information if I wanted to pursue court action which is what I plan to do since the state said that XXXX can't place a XXXX on the business side and then put it against my personal credit. they advised this was against the XXXXi Department XXXX banking regulations here and that I could take it to court to have XXXX XXXX judge decide if the debt is legit. So I went to the court, I got the paperwork and in the paperwork, it asks for me to list the name and address of the person to subpoena to court which is why I called her. She told me I didn't need it and to either pay it or she would make sure it ruined my personal and business credit. I even told her that I was told this was a law and she said she didn't care what the law was and she was above the law. When I told her I was going to file both in my state and at the CFPB she said to do whatever and that the CFPB don't tell her or her business what they have to do and she didn't care what the consumer laws said.
04/05/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85254	Web
On XX/XX/XXXX I applied for a checking account with XXXX. It was application ID:XXXX. They told me I was denied in part because of information furnished by Telecheck. I was shocked because the only check I write each month is too my landlord of the past 9 years, and I have never once bounced oXXXX of those checks. After much difficulty, I have received a report from Telecheck alleging I wrote XXXX checks on a checking account that I had closed years previously. Those checks were alleged to have been written in XXXX Colorado in XXXX at XXXX XXXX no XXXX. I have never in my life been a member of XXXX XXXX nor have I ever visited XXXX Colorado. I have been the victim of widespread identity theft with police having contacted me from California and Washington state stating they found my personal information in the possession of criminals. I have also filed an identity theft affidavit with the FTC. Furthermore, the last 4 digits of the state ID claimed to mine on the Telecheck report do not match my Arizona DL which I have had since XXXX. I have also filed multiple fraud reports with TeleCheck including a signed affidavit stating I did not write those checks and they refuse to remove the inaccurate information in violation of the FCRA. To add insult to injury after the last dispute they added a third additional check to the report which was also committed by some criminal and not a check that I wrote. At this point, Telecheck is reporting fraudulent information about me that is causing me a great deal of stress and emotional issues as well as financial as I have to spend time and money disputing inaccurate data. Telecheck is not taking this serious. I know in the past they have been sued by the government for not properly investigating. I feel they are doing the same thing now to me and need to pay for their FCRA violations against me.
10/26/2020	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	FL 32955	Web
XX/XX/2020 Re : Money Network Dispute My money has been out there in outer space for almost 2 months with no resolution as of todays date, XX/XX/2020. However, on XX/XX/2020 when I checked, it at least was in a pending status. Because of the longevity of this hanging matter, Id like you to investigate and let me know how long is it going to be before my money is posted back to my account? {$600.00} is quite a bit of money to be floating around in air space. On XX/XX/2020 I transferred {$600.00} to a bank account from my Money Network account and it stated that the transfer would take from 3-4 business days to post to the account. On the 4th business day, XX/XX/2020, I checked the bank account and it had not posted. I called Money Network and was told that the 1st transfer could take from 9-10 business days but thereafter, all bank transfers would be 3-4 business days. When the 10 business days had passed, I checked the bank account again and the funds were not there nor was it posted to my Money Network account. So, I called Customer Service and the Rep apologized for the delay and told me that it would be another 9-10 business days, which I didnt understand but I accepted it. Also, I was told that I would be given a {$100.00} credit for the inconvenience bringing my total to {$700.00}. After that 9-10 business days had passed with still no money, I called and asked to speak to a Higher-Up so I was connected to the General Manager. After bringing him up to date about the issue, he told me that he couldnt guarantee me the additional {$100.00} but he assured me that my money would be posted to my Money Network account on XX/XX/2020. As you can see, as of today, XX/XX/2020, the issue is still not resolved. Monday, XX/XX/2020 the account is not in pending status nor has the money been posted to my account. Thank You, XXXX XXXX
10/26/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	TX 75243	Web	Older American
I am a small business. Myself and one employee. I take credit cards for payment. I service and repair just XXXX cars. XXXX of XXXX I did service and repair to a XXXX XXXX that was towed in XX/XX/XXXX and picked up XX/XX/XXXX. Owner paid with a credit card, signed the credit card receipt and agreed to the charges. I had a couple of conversations afterwards with him about additional repairs we recommended and gave him advice on having that done. With no warning, no request for reimbursement, no dispute of charges by the owner, I received a letter XXXX mail. From Fiserv merchant services .on XX/XX/XXXX dispute Notification. Requesting my response. I contacted and talk to someone familiar with the dispute at the phone number on the letter. on a recorded phone line. I was asked to send in my repair tickets, credit card receipt, and a detail of disputing the charge back. I was requested to send this XXXX mail to a post office box on the letter. I did sell the same morning XX/XX/XXXX. On XX/XX/XXXX I called as I had not received any reply that it was resolved. Or additional information requested. And was told they had not received the letter that was mailed out the day I got the letter XX/XX/XXXX. They asked me to resend it by fax. I did so twice that day XX/XX/XXXX. On XXXX XXXX I called again. And was told they closed the case because I did not respond by XXXX XXXX as noted on the dispute notification. I tried to dispute that they did get a response on XX/XX/XXXX on a recorded phone line. The letter does not say it Hass to be only in writing for the deadline of a response. I dispute that they did not receive a letter sent XXXX mail on XX/XX/XXXX to there post office box. They acknowledged it was postmarked XX/XX/XXXX but claim did not get it by XX/XX/XXXX. Please help the Fiserv merchant services is stealing {$1900.00} from me.
11/21/2022	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	NJ 082XX	Web
On XX/XX/XXXX, I filed a fraud claim ( XXXX ) after not being able to get anyone over the phone for weeks. The agent told me that in addition to him submitting the claim, that I needed to fill out a dispute form and email it to them no later than XX/XX/XXXX. I completed the form and emailed it to them on XX/XX/XXXX. I have gotten no response whatsoever, even after I asked them to confirm receipt of the email, and after I resent it to them again on XX/XX/XXXX I recently received a letter in the mail from them dated XXXX, stating they denied my claim, with a reason that makes absolutely no sense. Based on the results of this investigation, your claim has been denied due to your other purchases related to the transactions in question. '' What does that even mean, other purchases??? There werent any purchases made on the card that I told them were authorized!!! Every single transaction done I reported as fraud. Again, they make absolutely no sense!!! Not to mention, their denial was literally three days after it was filed by the agent over the phone!! The agent had told me that in order for the claim to be processed, I needed to fill out their dispute form and send it back to them So then, how could they deny my claim before even giving me a chance to complete the form??? In addition to that, now its right back to me not being able to get anyone over the phone who can help me. I call and get someone oversees, they transfer me to an automated system that doesnt even recognize my card or personal information and doesnt give me the option to speak to someone.. just tells me to call back when I have the correct information and then hangs up on me. This company needs to be reported and dealt with, aside from them grossly handling my fraud claim. They should be forced to terminate their business operating this way
02/13/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	NY 11225	Web
I opened a XXXX XXXX XXXX account and savings account online on XX/XX/2021. As soon as I opened it it gave me the option to fund my bank accounts via direct deposit from my current bank. I direct deposited {$2000.00} into my XXXX checking account and {$20000.00} into my XXXX savings account from my current bank, XXXX. It left my XXXX account on XX/XX/2021. I received the funds in my XXXX account on XX/XX/2021 and was able to see it in my XXXX mobile banking app. On the same day I received it, that night I received an email that my XXXX account is locked and to visit a branch. I visited a XXXX branch on XX/XX/2021 and they unlocked my account. My {$2000.00} deposit was in my XXXX checking account, but my {$20000.00} was gone from my XXXX savings account. They told me that I would see it back in my account later that day. It never came back. The next day on XX/XX/2021, I returned to the XXXX branch and they told me that XXXX reversed the {$20000.00} deposit and it should be back in my Santander in 3 business days. I waited 5 business days and I still never received the {$20000.00} back in my XXXX account. I went back to XXXX bank on XX/XX/2021. XXXX said they didnt have the funds because it was sent back. They had me call XXXX and XXXX said they hadnt received any funds from XXXX. Then XXXX said they would have to call Fiserv, which they explained to me as the middle man between the two banks. I came back later that day to the same XXXX branch and was told that someone at Fiserv was assigned to find my {$20000.00} and a claim had been made. I was told I would hear back from them the following Monday. I never heard from anyone. I went back to the XXXX branch on XX/XX/2021 and they had me file a claim with XXXX bank. It is now XX/XX/2021 and I havent heard from either bank about where my {$20000.00} is.
03/20/2023	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	CA 92841	Web
On XXXX XXXX of 2022 I filed a dispute after contacting the IRS about my stimulus check I didn't receive ineas advised by the IRS to contact money network and let them know to refund my money to the IRS because I never received it. I was then told I had to file a dispute with them somi did after relentlessly contacting them they said my dispute was denied and asked if I could provide additional information to support the fact that I didn't receive the card and use the card i said yes I then faxed my appeal with my police report of my identity theft phone theft and i also stated I live in a home with other rooms being rented as well roommates and other suportive statement I was contacted by a supervisor on the XXXX of XXXX 2022 saying my case was reopened and to wait it's now been over 45 days since the appeal never have they sent a letter an email or even called me I've had to have called over a 100 times to get the news they I need to resend everything so I did mind you.its now past 90 days and was lied to saying my case was denied because the number that activated the card was mine which is false as well my email i just got access to again was hacked phone was stolen in the same time period states in my police report and now I'm told that they are actually be escalateing the situation so then I was being lied to and misled the whole time i was being told it was already escalted and now im being told i have to wait until they contact me this is obscurd and rambunctious my rights as a consumer financialy have been violated and still are I demand this bank be reprimanded for the acts that they feel there actions are justified especially being lied to given the run around to feel hopeless not going to happen to me please help I much appreciate you and God bless you. Kind regards, XXXX XXXX XXXX
09/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20850	Web
On XX/XX/2023 this company TRS recovery services said I owed {$1000.00} and kept increasing it with interest which now current its {$1600.00}. On that date my whole checking account was overdraft with all the money I had to a site called fanduel. There was fraudulent activity happening on my fanduel account and I had my bank had to close down my checking account. I tried calling this company about this supposed debt but they dont pick up their phones. So, I Called my bank and they never were contacted by them or got information about this debt I owed. I asked them if that was the transaction amount was taken from my account that day from my old checking account and they said they didnt see that amount for it so they were confused why I owe that amount when they dont even see it. Its not even the correct amount of money that was taken from my account yet they dont even pick up their phones so I can dispute it. This trs company asked for information if I reported it to police for fraud but I dont have to give them that information cause they dont even have the right amount of money that was taken from my checking account. I wanted to dispute this amount with my bank but they cant dispute cause that amount was not their that day for the transaction. The reference number for trs is XXXX. They keep bothering me and charging interest on something I dont actually owe and its ridiculous to the point Im gon na have to get a lawyer to deal with this. My bank has not been contacted by you guys and they tried Calling you guys as well how are you coming up with this number? I cant dispute it cause my bank says that transaction amount wasnt even there on the old checking account. Please resolve this cause I already sent you guys a letter on what are the exact details on this supposed amount.
10/17/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MA 024XX	Web	Older American
I have two checking and savings accounts with XXXX XXXX. One is a personal account and the other is a joint account with my son who was XXXX years old when we opened the account together. I generally do most of my banking online. On XX/XX/2021 when I was checking my account online, I noticed that {$4000.00} was taking from our joint account. I was shocked. This never happened before. I waited for my son to come home to find out what happened. He said he doesn't know anything about it.. The next day when the bank was open we went to the bank and told them what has happened. They started their investigation and the bank transferred remaining money from the joint account to my personal account. The next day when I was checking my account I noticed this time ( 3 ) {$2900.00} and ( 1 ) {$290.00} was taken from my personal account. We immediately went back to the bank and told them what happened. This time they closed both accounts and opened two new accounts. One in my name and the other in my son 's name. The bank did their investigations and came to the conclusion that this was a fraud case and deposited the money back to our new accounts. The new accounts were opened on XX/XX/2021. When we received the first notice of collection from TRS Recovery Services, we reported to the local police department and the bank. The police opened a Bank Account Fraud Case for investigation. I responded to TRS 's first notice via a registered mail on XX/XX/2021 indicating that this is a Fraud case and there is a police case on it, but they are still sending us second notices threatening to destroy my credit and lock my future borrowing and financial activities. Please help me by asking TRS Recovery Services to stop sending me threatening letters and trying to destroy my reputation.
03/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 926XX	Web
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXXXXXX XXXX XXXXXXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
03/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MT 59718	Web
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. XXXX - XXXX XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX \| XX/XX/XXXX XXXX XXXX \| XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
09/29/2023	Yes	Prepaid card Government benefit card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	CA 90018	Web
My CA Middle Class tax refund was sent via a debit card, which I never agreed to. I received a USPS scan indicating the card was in my mail shortly before XX/XX/XXXX. I also received a 1099 form. However, the card didnt come, so I began contacting the Middle Class Tax Refund XXXX-Money Networks phone number XXXX. I was told by an automated message to keep calling back if the card was not received by the middle of XXXX. Toward the end of XXXX message was updated to say to call back if the card wasnt received by the end of XXXX. I continued to call the company and was not allowed to speak to a human operator even though the message kept saying to call them if my refund had not arrived by the end of XXXX, well into XXXX. Around XX/XX/XXXX, I finally reached someone who advised my funds had been depleted at multiple convenience store ATMs over a series of multiple days in a city miles from where I live. I advised that my card had been stolen, and I did not authorize anyone to use it because I had not received the card. I was told an investigation would take 90 days. I called on XX/XX/XXXX and was advised that because a PIN was used they denied my claim. But I never set up a pin because I never got the card. I asked to appeal and was told they would send a form. I never received the appeal form. All Money Network sent was a duplicate card which had less than {$2.00}. The instructions about how to create the PIN were included in the envelope, and my zip code was the info needed to get the PIN, even though my zip code was in the envelope with the card. Usually these things are sent separately due to the risk of fraud. I have not been given a refund or a further way to appeal this incompetent handling of a card I never consented to receive.
02/13/2021	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble closing card	OR 97405	Web
Hi, CFPB folks. The short of it : Having withdrawn my EIP credit from Money Network XXXX XXXX, I now want to close the account. But no method of closure is mentioned by either party, nor do they provide a way to reach a human by phone or email, nor did I get any response to my written request to their address-of-record. The history : In XXXX, I get an unsolicited debit card with letter ( from Economic Impact Payment Card '' says the front of the letter ; from Money Network Financial on the back of the letter ). No alternate way of getting the EIP credit is mentioned anywhere in letter ( or websites ) so I activated the card by phoning number provided. I also created online account, reluctantly. I used it to arrange an ACH transfer to my bank. The transfer arrived XXXX XXXX. But try to close the XXXX account? Impossible to find method to do such. Not mentioned on any website I can find, nor by calling phone numbers provided. No human can be reached, by phone or email. Most alarmingly, no response comes even after I send a letter to Money Network Financial at the address provided on original letter sent to me. So I'm left wondering : Are they not required to close the account if I ask? Are they not required to respond to me saying they will or won't close the account? Is it even my account, or is IRS the account owner in this case? PS. I understand there are good reasons for sending debit cards rather than checks, but a check would have been my preference. I have no interest in creating new accounts at new financial institutions. I am alarmed that XXXX XXXX Money Network Financial received personal information from IRS ( and from me, during the activation of the card ) and now will not even acknowledge my request to close the account.
09/06/2023	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	FL 333XX	Web	Older American
PLEASE SEE SUMMARY ATTACHED XXXX XXXX, XXXX, violated XXXX XXXX standards. XXXX XXXX XXXX claims XXXX XXXX, XXXX. vetted and verified the fraudulent accounts ; however, this was obviously not true. They failed to properly handle the change documents submitted by criminals as well as failed to comply with XXXX XXXX guidelines which caused XXXX XXXX money to be stolen by these criminals. Between the frequency of documentation requesting account changes, incorrect or incomplete information within those account change requests and the bank actually diverting money back to the credit card processing company at one point but then allowing the fraudulent activity to continue, the credit card processing company and XXXX XXXX, XXXX, had plenty of notice and opportunity to protect XXXXXXXX XXXX funds. The credit card processing company, as well as XXXX XXXX, XXXX., failed to follow its own protocols, as well as XXXX XXXX standards. This allowed the fraudsters to steal over XXXX dollars of money that was supposed to be deposited into XXXXXXXX XXXX bank account, but was deposited into accounts not owned by XXXX and not in XXXX XXXX name. If you look at the TRACE numbers and the changes in accounts, there was not one day that an investigation could have taken place. The credit card processing companies chose to place diverted funds into a holding ( escrow ) account, and never informed XXXX of any account issues, deposit failures or funds being held until almost a year later. This was a clear violation of the terms of the agreement. XXXXXXXX XXXX account should have been frozen immediately upon receipt of diverted monies from XXXX XXXX, who clearly knew it was a fraudulent account, according to the bank manager. Please see attached summary.
08/17/2020	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	MI 48035	Web
On or about XX/XX/XXXX I went to check my account balance on my XXXX moneynetwork pay card from and noticed that there were numerous charges ( 241 charges for {$2.00} ) that started on XX/XX/XXXX and subsequently reduced my account balance to one cent. There were also 12 charges for {$2.00} but they were refunded back to my card after reporting the charges to both XXXX XXXX and XXXX as fraudulent charges. The 241 charges for {$2.00} have not as yet been returned to my account balance and were taken from my bank account via the debit card XXXX, yet there is nothing listed in my XXXX XXXX transaction history to suggest I made these purchases. Nor does anyone besides me have access to my account information. I reported the multiple {$2.00} charges to both my bank and XXXX XXXX, but one or both of them denied or concluded it was not necessary to return the funds to my bank account. The fraud division at XXXX indicated that there was " inconsistent conflicting information '' as the reason for denying my fraudulent charges claim and I have since filed an appeal against their denial and await the results of their investigation. I also resubmitted a fraudulent charges request to XXXX XXXX and am awaiting the results of the review. Note : Update regarding XXXX XXXX : They claim to have invested it and have found nothing to support my claim. I honestly fail to see how they can fail to find sufficient information to support my claim when each of the {$2.00} charges were indicated to have been taken via XXXX XXXX nonstop for 56 hours in 10-20 second intervals until there was only the aforementioned one cent left in my account. I additionally submitted a police report on or about XX/XX/XXXX when I discovered the fraudulent charges.
10/14/2023	Yes	Prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	CA 94080	Web
I called the number listed ( XXXX ) for My Banking Direct ( Money Network ) to request a replacement debit card and I was told that the card was already used, and I was helped with submitting a dispute. I kept calling the Money Network since they told me that they do not notify users. Back on XX/XX/2023, I called in to check on the dispute status ( which was filed in early XX/XX/2023 ), and I was asked to provide the documentation that shows the debit card for the Middle Class Tax Refund card was stolen, so I emailed the letter ( to XXXX, as I was told ) from USPS showing that the debit card was stolen and the the piece of paper holding the debit card was returned to me early XXXX. I was attaching the same document again in this appeal. I was told the claim was unsubstantiated when I called them to follow up again on XX/XX/2023. And I was also told that they never received my email or my documentation. I was told that I can appeal this decision. I was told to email XXXX including the word " Appeal ''. I appealed the decision that the dispute over the stolen debit card was denied for a very strange reason on XX/XX/2023. On XX/XX/XXXX, I called them again and I was told they don't even have any appeal email from me. So they denied my initial dispute due to their negligence and repeatedly ( intentionally or accidentally ) didn't even receive or at least started processing my appeal. As a victim of the mail fraud and stolen tax refund ( refund amount is {$700.00} ), I am supposed to be the one receiving help, but instead, that company ( and their fraud investigator ) obviously didn't do anything to help people in need of help and didn't provide any other way for me to continue getting my refund back.
09/11/2023	Yes	Prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting a working replacement card	CA 92708	Web
The state of California in 2022 issued the Middle Class Tax Refund as a debit card. This service was contracted with the Money Network, apparently. The Money Network has been unable to help customers either 1 ) transfer money out of their activated online accounts or 2 ) receive help getting a new card. Every public phone number leads to automated help. This automates system is also broken, and gives messages about " technical difficulties '' before hanging up on the caller. I fall into both categories, I have an online account with the Money Network, but am unable to transfer my funds out. I also no longer have the prepaid card, so I can not use an ATM to receive my funds. These self-help numbers are : XXXX ( general automated help ) and XXXX ( for card activation, and lost or stolen cards ) I have called for four weeks and tried to get to the end of the automated help tree, but have been hung up on by the automate system every time, for every phone option. I was finally able to talk to a human through their online chat system, but they were unable to help as well. They also refused to connect me to a supervisor or any form of additional help. That transcript is included as a email file that I saved. I am also including a screen shot of the home page of the online account for the MCTR, serviced through XXXX XXXX XXXX, itself a a service of XXXX XXXX XXXX XXXX, which it itself inactive. The screen shot shows I have money within the account, but no option under " Money Out '' to transfer the amount to my personal account. There is also no option to send a secure message or contact any help. XXXX XXXX XXXX also has a phone number, but it is completely automated and can not find an account by SSN and DOB.
01/21/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX 77099	Web
On XX/XX/2022, I reported to the bank some transactions that I did not authorize. I called them around noon because I did not receive any alert of those transactions that were made in the early morning of the same day. The first thing they did was cancel my debit card and they opened a case to investigate. They told me I had 10 days from XX/XX/XXXX to fax or email them a dispute form, which I faxed to them on XX/XX/2022. On XX/XX/XXXX they gave me a provisional credit for the reported transactions but the same day they sent me another letter where, based on the investigation, they only returned the credit of 3 transactions ( {$54.00}, {$81.00}, {$54.00} ), which previously refunded on XX/XX/XXXX ( {$54.00}, {$27.00}, {$81.00} ), and based on the results of the investigation they considered the claim was resolved and my case has been closed.On XX/XX/XXXX they sent me another letter saying that the credits they gave while the investigation was going to be removed from my checking account again on XX/XX/XXXX of this year. I received the letter on XX/XX/XXXX. I called them again on XX/XX/XXXX ask them why they closed my case if they did not credited all my money. Then they told me to appeal that decision I would send them a letter written by me explaining the situation, which I sent them on XX/XX/XXXX. Since then when I call them the person who answers me contradicts himself in many things regarding the information I requested. The transactions that I am requesting to be credited are {$1.00}, {$140.00}, {$3.00}, {$310.00}, {$1.00}, {$1.00}, {$2.00}, {$110.00}, {$190.00}, {$2.00}, {$76.00}, {$6.00}, {$5.00}, {$1.00}, {$250.00}. All those are foreign transactions made in XXXX, XXXX at the same time
09/22/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	NC 28117	Web
We are a newly formed XXXX XXXX XXXX business. My husband is a retired XXXX from california who used his savings to start up this business. On Sat XX/XX/XXXX we participated in a huge event in our town called XXXX XXXX XXXX XXXX. We had a total of {$2500.00} in sales. Of course each of those were individual transactions using our XXXX XXXX XXXX too swipe the sale transactions. Come Thursday we realized the money still wasnt in our bank account. Thursday XX/XX/XXXX I spoke to an agent at Clover ( a merchant services company ) about why my money isnt being put in to my bank account. The agent was unable to tell me anything other than there is a security problem and they would have to schedule a call for Friday XX/XX/XXXX. Friday came around and I did not receive a phone call. I called the company back in the evening on XX/XX/XXXX and was told they had to schedule another appointment. The agent is unable to get ahold of the security department. I escalated and spoke to a supervisor in the escalations department who gave me the same information. The only thing she could do was send an escalated email and schedule a call for someone to get back to us on Monday, meanwhile our bank account is overdrawn now, we have an event Saturday XX/XX/XXXX and no idea why our money is being held from us. I am escalating because I think it is illegal to hold every single transaction from the consumer. If there is a security problem with a transaction then that is the transaction that should be held. I am not understanding why every single sale is being held from us. The company is unable to tell me what the problem is and I have to wait for someone from security to contact me when its convenient for them.
04/21/2021	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	MA 01880	Web
On XXXX I tried to use my credit card and it was turned off. I called and found that there were 4 charges that I didn't make. The company flagged this and shut off the card. Two of the charges were pending and the company denied them. Two of the charges, however, they let go through. The charges were dated XXXX for {$100.00} each. There were two identical charges. I disputed those two charges and on XX/XX/XXXX received a denial letter from them stating that the merchant provided " compelling evidence which included your name, address, and phone number. '' I called the merchant and they had no record of my name, address or phone number. I called the card company back and requested the documentation they relied on in making their decision and was told that it would be mailed in ten days. They supposedly sent it out on XX/XX/XXXX. I never received it. I called again on XXXX and they requested the documents be mailed again. The were supposedly mailed to me on XXXX and as of XX/XX/XXXX have not received them. I'm told the fraud department does not take phone calls. They will not email the information to me. There is no way for anyone to tell me verbally what information they had on file. The only thing the can do is request the documentation again. This has been over a month and I am still getting a run around with them. They told me I could send another letter, but without knowing what they used to rely on, I feel that's a waste of time. Hopefully you can help resolve this? They were two charges I did not make or authorize. They were for gift cards that were emailed to someone using my card and nobody can provide any information about anything.
05/06/2020	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	CA XXXXX	Web
I am XXXX XXXX and XXXX XXXX So almost one and half months back someone from XXXX emailed me asking to buy products. After having back and forth emails, and agreeing on the prices, they emailed their credit card information to charge. I sent them an authorization form and asked to fill up, sign and send back along with a copy of their ID. After I received their forms and ID I matched the info and put the information on my merchant 's virtual terminal to run the card. The card successfully went through. I waited couple of days, the amount hit the account so I shipped their goods through XXXX and they received it. They contacted again to submit another order which I did through the same process, I asked to sign a new form they did, they sent and I shipped the products. They contacted for their 3rd order, and again I went through the same process and shipped their products which they received on the XXXX. On the XXXX after 41 days from the 1st charge, I received a chargeback email from XXXX XXXX which is my merchant account provider, showing that card holder is disputing all the transactions. The same day I filed a claim on IC3 but no one has contacted me yet. I also challenged the chargebacks by providing all the documents, and after all today the bank has denied the challenges. I called them to ask whats going on, but they didn't help at all and I was told that I have to pursue this out of the credit card provider company. I reached out to FTC and filed a claim with reference number of XXXX. The suggested me to call CFPB and make a complaint. So I reached out by the phone and was advised to come online and submit the claim here.
01/23/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Money was taken from your account on the wrong day or for the wrong amount	WA XXXXX	Web	Older American, Servicemember
On XX/XX/XXXX I wrote two checks at XXXX XXXX. Both cleared my bank on XX/XX/XXXX. However, Telecheck, the vendor for electronic checks for XXXX XXXX both cashed one check for {$300.00} then put it through again as NSF on XX/XX/XXXX. That check also cleared my bank on XX/XX/XXXX. I have spent over 6 hours on the phone with XXXX, the bank, Telecheck, and XXXX XXXX trying to resolve this. On XX/XX/XXXX XXXX faxed proof that all three checks had cleared to Telecheck with the case number Telecheck provided. Yesterday I received a letter from Telecheck saying they had insufficient evidence to investigate and instructing me to write a letter, get copies of all transactions for five days before and five days after each transaction and send all with a copy of the letter to them. Since the second transaction happened XX/XX/XXXX, I had to request a ministatment from XXXX, which will take another five days to get. Today Telecheck also processed a {$30.00} NSF fee against my account. XXXX XXXX has tried to help. They are sending my letter and a copy of the XXXX bank statement out in the mail today. I expect this will take another week at least to be received and processed by Telecheck. Telecheck now has {$330.00} of my money and is completely nonresponsive. This is money I can ill afford to lose right now. The preauthorzed check numbers involved are XXXX and XXXX. The check presented in error is XXXX. The NSF fee is number XXXX. I would like to have my money back and any derogatory information removed from my Telecheck record as well as XXXX 's records. Thanks in advance for any assistance you can provide. The Telecheck case number is XXXX
10/31/2023	Yes	Checking or savings account Checking account	Managing an account Banking errors	NH 032XX	Web
Money Network is refusing to refund my account from unauthorized withdrawals from foreign countries. My account was hacked and I had numerous withdrawals from unknown sources with Internet addresses and out of country locations. I have never left the country nor do I use my personal account for online purchases anymore after I had an issues the first time " that I had to resolve on my own ''. I'm missing {$250.00} from the last incident from unauthorized withdrawals from XXXX, XXXX, and XXXX... In their paperwork along with the acknowledged dispute form, it states that if I didn't respond or send the dispute form back, they would resolve the issue with the information they had, which was everything they needed and nothing extra. However they denied it because I misplaced the forms and eventually found them again. I filled out my name and a yes or no question and sent it back as an appeal. Now they say they deny it due to recent similar transactions which is not accurate at all. I have attached everything imaginable for proof. Another issue is when make a payment to XXXX XXXX for credit card payments, it is instantly deducted from my checking account, but XXXX XXXX has sent me numerous returns on payments due to insufficient funds that NEVER went back into my bank account with Money Network " XXXX XXXX ''. I believe this company is stealing from its consumers and feel they should be thoroughly investigated and the consumers should be refunded for all unaccounted money misplacement and theft. I will never use this company again and never recommend anyone to use it either, they are absolutely horrible.
09/22/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	CO 802XX	Web
On XX/XX/2023 I initiated an external transfer to withdraw funds in the amount of {$1100.00} from my Chase Checking account and deposit into my XXXX Checking account, using XXXX XXXX Banking. Fiserv is the third party company managing external transfers for XXXX Bank. On XX/XX/2023, the withdraw was posted to the XXXX account and the funds were gone. On XX/XX/2023, the remainder of the funds were withdrawn from XXXX and my accounts were closed ( no issues with these funds ). On XX/XX/2023, XXXX rejected the deposit as the checking account was on hold pending identification verification. On XX/XX/2023, Fiserv, XXXX XXXX 's external transfer third party sent the funds back to XXXX Bank. XXXX confirms these funds tried to return to XXXX on XX/XX/2023, but were automatically rejected due to the account being closed. It is XXXX 's stance that the funds on XX/XX/2023 were then returned to XXXX XXXX. XXXX XXXX has never received the funds and both banks have conducted investigations, both ultimately saying the other bank is responsible. It is XXXX XXXX 's stance that the funds on XX/XX/2023, were not sent back to XXXX, but instead sent to Fiserv, and it is XXXX 's responsibility to recall the funds from Fiserv. XXXX XXXX has contacted Fiserv and confirmed all of this information, but XXXX XXXX has not. XXXX XXXX says they have exhausted all options and XXXX needs to fix the situation. It is XXXX 's understanding that Fiserv is holding the funds or has sent them back to XXXX XXXX, but XXXX has no record of the funds after XX/XX/XXXX. XXXX has no record of the funds at all.
06/10/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	FL 32246	Web
Hello, I've been using XXXX XXXX insurance for some period ( purchased thought the XXXX XXXX, then at XX/XX/XXXX I canceled the contract ( which is clearly seen in the marketplace, see attached ). I used to pay their bills with my banking account via ACH, though I didn't authorize any autopay or recurring charge. Then on XX/XX/XXXX I got an email ( attached ) that I was charged for XXXX XXXX bill, and payment was processed by XXXX XXXX https : //www.fiserv.com/XXXX ), a scam looking payment provider whom I was unable to contact anyhow ( their 'customer support ' mailbox for example simply bounces any email ). I login to their online account through XXXX 's website, and canceled this autopayment which I never ever authorized. There I found that this 'authorization ' I supposedly made on XX/XX/XXXX ( see attached ). I double-checked my browsing history : no, I didn't login to their service on XX/XX/XXXX. Actually I never login to their service before I they charged me without my authorization. So I couldn't authorize this autopay. Earlier in XXXX I got email from XXXX that they changed their payment provider. It seems like they disclosed my payment details to the XXXX XXXX, and authorized autopay for me without my consent. It's a clear fraud. Another interesting thing : this payment is not shown in XXXX XXXX statement ( see attached ). And XXXX has a very unprofessional online service so there is no payment history there at all. Moreover, I can't edit my payment methods, and for example I can't delete my banking details. Thanks God I was at least able to cancel this autopay.
02/22/2022	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 92392	Web
Hi, Per myself and Mrs/Ms XXXX 's ( excuse me if misspelling is involved ) on XX/XX/XXXX, I was told to resubmit the documentation to dispute and reconsideration my unauthorized/fraudulent activity illegal committed on my money network account resulting in my funds being stolen. My home was burglarized in XXXX police report # XXXX, in which the " theft '' my XXXX XXXX phone was utilized in to create a passcode with my Sim card ( which is a card in my phone that had my phones number & personal information [ is what XXXX police Sgt explained ] to utilize my full identity to autheicate me to fraudulently steal my funds. I also was a victim in XXXX of " identity theft '' in which my credit file now is required to have a " seven year '' updated fraud alert placed on it for my protection, in addition to my credit/personal information being found on the dark website as recent as XX/XX/XXXX, and as long as XXXX. I'm kindly requesting that my information be reviewed and money network and XXXX XXXX of the legal liaisons do their due diligence ( no offense ) in investigating my documentation and reversing my funds so my family and I can be, not recompensed, but made whole, as to our prior state when the IRS ( who has on their file the discrepancy and informed me to contact money network to be made whole ) distributed our stimulus. I will not stop, until my legal rights of due diligence are upheld, respectfully. ( I've sent in additional Documentation yet the company will not provide a refund nor provide valid reasoning as to why my funds are being stolen with no reprimand ) Thank you.
12/07/2022	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	IN 47302	Web	Servicemember
My Money Network card by XXXX was stolen during the time i was moving from XXXX house to another, & over {$1000.00} in unauthorized transactions was made with my card. I contacted support and reported my card stolen and started a dispute on all transactions that were unauthorized & not made by me. Money Network denied my dispute, and i have tried contacting numerous times to file an appeal and they will not respond. I have never heard of these places let alone authorized purchases. Here are all unauthorized transactions dates, times, and place : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these transactions were made by or authorized by me. Any help in getting my money to me would be greatly appreciated. Im a XXXX XXXX and i work full time and im attending XXXXXXXX XXXX full time. Money network not cancelling this card when i reported it stolen and allowed a card i reported stolen to be used continously over & over is unacceptable and theyre not doing anything to take responsibility and return my funds. Please help me.
07/01/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CO 80120	Web	Older American
WHEN I SELECTED " TRYING TO COLLECT THE WRONG AMOUNT '', I MEANT THEY'RE TRYING TO COLLECT {$50.00} AND IT'S THE WRONG AMOUNT BECAUSE MY DEBT IS {$0.00}! THEY HAD SAID THEY HAVE VERIFIED THE DEBT. I HAVE AN EMAIL FROM THE CREDITOR DATED XXXX XXXX, 2023. SAYING THAT MY ACCOUNT IS UP TO DATE. I OWE NOTHING. I'M ONE OF THE CREDITOR 'S BEST CUSTOMERS. THE CREDITOR 'S REP SAID THAT HIS NAME I SHIVAM. BESIDES, I M JUDGEMENT PROOF. I'M FROM NY, THE DEBT COLLECTOR IS IN GEORGIA. I KNOW A BIT. FOR THIS DEBT TOTALLING A WHOPPING {$50.00}, I CAN'T IMAGINE WHY THEY WOULD SPEND MONEY ON PAPER AND INK TO WRITE THEIR LETTERS, TO TRY TO COLLECT {$12.00}. THEY REFUSED TO GIVE ME THE NAME OF THEIR LICENSING AGENCY, WERE RUDE AND OBNOXIOUS. REFUSED TO LET ME TALK, WHILE IT'S NOT NECESSARY TO TELL THEM THIS : THE ATTORNEY GENERAL 'S OFFICE CALLED ME ON M Y PERSONAL CELL PHONE THIS MORNING. AND I TOLD HIM ABOUT THIS. AND WHILE I WON'T NEED A LAWYER, I HAVE ONE IF I NEED HER. I DON'T HAVE TO PAY HER EITHER. OF COURSE, THEY WOULD HAVE TO PAY SOMEONE TO PURSUE THE COLLECTION OF A FEW BUCKS. IF THEY WANT SOMETHING FROM ME, I WON'T EVEN HAVE TO GO TO COURT. I ' CAN ONLY ASSUME THAT THEY HAVE A HIGH FAILURE RATE, AND THAT MUST BE WHY THEY'RE SPENDING SO MUCH MONEY TRYING TO COLLECT SUCH A SMALL AMOUNT OF MONEY. I WON'T BOTHER FILING A COMPLAINT WITHB TRHE XXXX, BECASUSE I CAN SEE THAT THEY HAVE ENOUGH COMPLAINTS ABOUT THIS DEBT COLLECTOR AS THEY NEED. HOW DO YOU SAY, " GOOD LUCK AND GOOD RIDDANCE. I'LL TRY TO GET TO THE XXXX OFFICE WITH ANOTHER LETTER TO THEM, THIS IS A PIECE OF, YOU KNOW, CAKE.
07/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 464XX	Web
These companies are furnishing inaccurate and incorrect information to the consumer reporting agencies. and causing damage to my reputation and well being. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. As defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary income, Income does not get reported on the Consumer Report which in fact makes your reporting of this account inaccurate! By definition The IRS Clearly says a Cancelled debt or Charge-off is income. The reporting of this account as a debt is inaccurate. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX IS A FURNISHER of information to a consumer reporting agency. Therefore they are prohibited to furnish inaccurate information.
01/16/2022	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Money was taken from your account on the wrong day or for the wrong amount	AL 350XX	Web
I went inside the XXXX Bank now XXXX XXXX on XX/XX/XXXX to inquire about a charge in the amount of {$88.00} on my account on XX/XX/XXXX. The branch was unable to give me a number for the merchant. The desk representative sent an email to XXXX XXXX XXXX called me back on Friday evening and told me without a XXXX ID at the time she was unable to help me and would return my call. Unfortunately, she never did which prompted me to reach out to XXXX XXXX on XX/XX/XXXX stating : I'm trying to cancel services with the POS vendor I was setup with. I never received {$450.00} credit that was promised. My nonprofit, XXXX XXXX XXXX XXXX XXXX is small and the charges at this point are rising and not something we would like to move forward with. We were just charged {$88.00} and I'm not sure what that is for. Since, the XX/XX/XXXX I have been given the run around regarding my {$450.00} promotion for signing up for the services was never given to me. It was suppose to be credited to the account within 60 days of me signing up. I have been charged a fee of {$88.00} and not sure what it is for. The merchant also told me in order to receive a paper statement that would be an additional fee of {$10.00} a month. I have been unable to access an online account to receive online statements. They sent me a cancellation form but have not offered a refund or explanation of charges or given me the {$450.00} promotion that should have been credited XX/XX/XXXX. I would not have signed up for the service had it not been for the promotion. The monthly fee should be {$9.00} month.
06/21/2022	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	OH 432XX	Web	Older American
dear Sir! This is about a pay card by Money Network. I worked at XXXX XXXX in XXXX XXXX Ohio. I was given a money network pay card. It took me longer to activate the card. I had difficulty in approaching the pay card company for any difficulty for services like reset pin or change pin. During pandemic the phone lines are busy and longer wait times and so on. I had some tine been able to call to find out balances. I came to hear of {$5.00} charges for previous months. The balance tended to be XXXX. I guess that I may have charges for non use of card. I have other pay cards as well and often check for any activity or fraud. I could not reach and succeed to speak to call representative. We do not have any other, practical to inquire. The pay card do not send monthly statement or on line alert. I understand that the pay card company has my address and e mail or phone #. It is understood that the card holder is bound by payment agreement by the card company. I have to be sure that dormant accounts are charged. But the alerts are not obligation or even fair practice. This can help the card holder from repeated charges. I will request that Money Network see in my card activity and let me know of charges. If possible, I am allowed to reverse the charges. The pay card company should encourage savings for their members and not spending. Also the communication can build trust. Loosing trust an one card can result in refusing any or all card by the user. I hope the company will review the complaint from the view point of user. Thanks. XXXX XXXX
01/23/2021	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble getting information about the card	HI XXXXX	Web	Servicemember
On XXXX XXXX, 2021, the day I received my XXXX. Ive been trying to activate my XXXX from my current CELL phone. I do not have a landline as I did in the past. So, I asked my neighbor for help. He used his landline to call this number : XXXX. The automated recording says, It do not recognize my number. So, I tried calling from my CELL number & received the same automated answer of not recognizing my number. I do not have access to a computer or Own a XXXX. My neighbor used his XXXX to go online & create an account for me. Following their website steps to create an account. I was able to create a ID, PW, input the card number & etc, created my Two Security Questions/Answers. My correct name & address did pop up ... When I got to the final step, I keep on getting this message ( err : sever error ). I have attempted to see what the issue might have been. Without success on my uncountable attempts!!! To begin with, their system is POORLY designed! The caller SHOULD be able to REACH A PERSON! IF NOT? Then the automated system should ALLOW OTHER OPTIONS : ( Ex : ask for DOB, Last 4 numbers of SS, updated address, or phone number in order to recognize the legitimate person that received this card instead of using only ONE security option, which is the device someone is calling from! ) It have been EXHAUSTING for me & such a WASTE of MY VALUABLE TIME to resolve this issue!!! Im NOT a complainer, however, I feel this situation have been a VALID reason to make a complaint about! Not only for the sake of myself, I feel I will be helping others as well!
01/07/2022	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	ME 042XX	Web
My work payroll card is through money network and I had fraudulent activity with my card of {$3600.00} I had tried calling to get back my money due to not being the one who spent it. They had me make an appeal and I did but for some reason it was denied saying there wasn't enough evidence and I was told to do a despute, so I went to the police station and reported it and made my dispute, I wrote up all the fraudulent activity and called some of the places that had made transaction with whoever took my money, they said they were from Texas, so I wrote this all in my dispute and let them know I don't even have the stuff they charged around me for instance an user eats. I faxed them all the information they asked for. This was all in XXXX and they told me it could be up to three months before I heard anything about it, well I tried calling today to see what was going on with my money and they told me I was denied again!! I don't understand why it would be denied in the first place and asked them why and they said they have no more information to give me. So what am I supposed to do? I work very hard for my money and it gets stolen and they can't or aren't willing to do anything thing to help me. This was all right before Christmas so I had no money to buy gifts and felt bad enough about that. Now they are telling me I'm not getting my money back at all, I've done everything they have asked and reported it to the police and just want my hard earned money back. Please help me out with this matter so I don't lose all faith in humanity.
05/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33462	Web
My name is XXXX XXXX and I am 100 % owner of XXXX XXXX XXXX XXXX. My identity was stolen from XXXX XXXX XXXX located in XXXX XXXX XXXX. I never signed any documents or signed for any services to be performed by XXXX XXXX XXXX for me or my company. My mother and I contacted XXXX XXXX XXXX to see why I was in collections with First Data and they told me they had nothing to do with First Data which is a complete lie. I have supporting evidence that XXXX XXXX from XXXX XXXX is giving their sales reps the application subscription agreement for First Data. My Mother and I drove to their corporate office on XX/XX/XXXX at XXXX and XXXX XXXX XXXX they have nothing to do with First Data XXXX First Data has put me and my company in collections for the company XXXX XXXX for over {$3000.00} and First Data is telling me I am personally responsible for the debt. I have since shut my company down as a result of all of this. XXXX XXXX is classified as a financial company and they supposedly leased clover machines to my company that I never received nor requested. They can not even provide a tracking number for these machines. XXXX XXXX is classified as a financial company but they are not registered with your office nor are they registered with the FL XXXX XXXX XXXX and XXXX XXXX ( case # opened there as well with XXXX XXXX ). They are running a business illegal. Why is this happening? Attached please find NAICS codes. In XXXX XXXX XXXX XXXX XXXX XXXX were found guilty for deceitful practices and another case is currently open with them now.
02/06/2021	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Problem using the card to withdraw money from an ATM	CA 94122	Web
This is a complaint about the company Money Network who is contracted to issue/oversee the Economic Impact Paymant ( Stimulus ) card, My complaint is that I am having a great deal of difficulty withdrawing money without being charged fees, Today ( XX/XX/21 at approximately XXXX XXXX I went to XXXX at XXXX XXXX XXXX XXXX CA XXXX to withdraw the money from my card at the XXXX ATM. I input the card and correct pin number and the machine cancelled the transaction ( no explanation given as to why. ) At approximately XXXX XXXX my husband went to the XXXX XXXX at XXXX XXXX XXXX XXXX CA XXXX and attempted to withdraw money only to be told there would be a XXXX fee charged, despite it being a XXXX ATM. We obtained both of these locations off a online list as suggested by Money Network. A telephone call to Money Network ( which makes callers listen to lengthy informational messages and push multiple prompts before getting help ) reported that though the XXXX XXXX location ATM was an XXXX ATM, it wasn't an 'in-network '' XXXX ATM. How can the public naviagate this purposefully confusing system? The only explanation for such subterfuge that I can think of is that Money Network hopes consumers will just give up and pay the fees, which is outrageous during a pandemic. There should be no fees associated with obtaining Stimulus funds -- period. A clear list of the location of truly fee-less ATMS should be provided to every payee with the card itself. The money should be easily assessible without multiple tripss and surprise fee.
04/11/2023	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	MN 551XX	Web
Currently, I hold a Money Network Pay card. This card is used to receive payment from my temporary service. Recently, I connected it to my cash app account, so I can still use my debit card, although I have not been working. Come to find out, Money Network has linked my card, with another card and I have lost a lot of money. For example, there are two credit cards, with the same name, but different people. One has a positive balance, which was mine and the other had a negative balance, with was the fraudulent account. The company has taken my money majority of the times to cover another money network card to cover their negative balance and I have tried to resolve. This company refuses to give me my money back, although I have gone through account in detail with them numerous of times. Not only have I filed a complaint with the XXXX, but they still continue to commit fraud on my account. Please make it stop. Please audit there records on my account and make them pay my money back. You will notice, that a deposit will appear 2- 3 days, prior tot he pay date and be forced to cover deposits prior, which should have already been covered. This is how they skim money out of the account. For example, I had 3 posted deposits totaling {$200.00} on XX/XX/,, but I don't get paid until XX/XX/, they take that deposit for XXXX and post it to XX/XX/ and the remaining balances that would have covered the {$200.00} disappears. This is a Ponzi scheme. I am tired of this. I am legitimately homeless and need every dollar I can get.
01/16/2021	Yes	Credit card or prepaid card Government benefit card	Advertising Confusing or misleading advertising about the card	OR 97401	Web
private company named Money Network Financial claiming to be a wholly owned subsidiary of Fiserv.Inc. sent me a debit card requiring that I provide identification information to the company to " activate '' a card I never requested to receive a " government benefit ''. This came by mail to my home address. The Return Address on the mailing is NOT TO THE so called company sending me this card. Instead it is to the named card " Economic Impact Payment Card '' at an address in XXXX, Nebraska. The enclosed mailing includes the statement that " You acknowledge that you have read the material provided to you, including the Terms and Conditions, Balance and Transaction Limit Schedule and Schedule for your Account, which can be found at XXXX ... ... ''. Obviously none of this is a United States Treasury Department message and requires access to materials NOT PROVIDED> There is the statement that " You acknowledge that any term of the Cardholder Agreement, including the Fee Schedule, may change at any time ... ... '' This appears a scam to get financial information or contact information about me including what would be electronically transmitted to unknown entities if used to interact with my personal bank or other entities. There is a reference to arbitration " in your full cardholder agreement '' without any link to what the " full cardholder agreement '' may be, where it is located, and what changes may be made to such agreement. There is no security provision on how information on this card will be managed.
11/21/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	NY 100XX	Web
Hello : First Data is a terrible, unethical and illegal merchant credit card service because : ( 1 ) they always take the money out of your checking account first before you are allowed to get a warning, or respond to a frivolous fraudulent, illegal thieving charge back from a criminal client ; ( 2 ) you only receive the physical charge back notice weeks after the money has been removed from your account ; ( 3 ) this policy of removing the money even before a warning or ability to respond, in contrast to 99 % of the credit card merchant services I have used in the last XXXX years of law firm business causes checks to bounce, payroll to bounce, taxes to bounce, rent to bounce, insurance policies to bounce, etc etc - causing untold permanent damage with 100s of other damages to life, liberty and property in violation of untold myriad federal and state laws, as well as the United States Constitution ( First Data, ie, FISERV, being upon information and belief a XXXX XXXX company doesnt care about the US Constitution, evidently ) ; ( 4 ) aids and abets XXXX and XXXX XXXX upon ones small business with the above referenced behavior - which can often ( and usually is ) committed against a targeted CEO or employee of the small business by enemies, exes, competitors, foreign and domestic intelligence agencies, XXXX, XXXX XXXX and any other type of agent saboteur or provocateur. Please urgently investigate and punish not only First Data corporation, but also the credit card charge back offender. Thank you, XXXX
10/27/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	IA 52761	Web	Older American, Servicemember
XXXX XXXX CT XXXX XXXX XXXX, Iowa XXXX XX/XX/2022 Money Network XXXX XXXX XXXX XXXX XXXX, Georgia XXXX To whom it may concern, I am writing in hopes of getting the pending transactions initially held by XXXX Points by XXXX - XXXX, SD on XX/XX/2022, and released on XX/XX/2022, removed, so that I might regain access to my funds. I have made several attempts by phone, experiencing exceptionally long hold times trying to resolve this issue. I was told by your agents that these holds can last as long as XX/XX/XXXXdays. However, I was also told that if I get a statement from the hotel management on company letterhead ( faxed or email ), this time hold time can be reduced to XXXX hours.The hotel XXXX did comply by email. On my most recent phone call to support, I was told they see no record of the XXXX Points email, yet I was forwarded a copy of the email the hotel manager sent. Likewise, I forwarded my copy to the provided Money NetworkXX/XX/XXXXXXXX email address : XXXX and received confirmation of successful delivery. Please also find a copy of this statement enclosed. In closing, let me say that I have been a dedicated customer of Money Network for a great number of years, using your service for the direct deposit of my XXXX paychecks during my many years of employment with XXXX, as well as the past XXXX years direct deposit of my current employer XXXX XXXX XXXX paychecks. I need access to my funds in order to pay my bills. Sincerely, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
08/15/2022	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	AR 72113	Web
Our corporate checking account, which has been set up on auto-pay for several years, started being rejected in XXXX of XXXX. After several months of our vendor blaming our bank, they finally told me last week that Telecheck is declining our checks and advised me to call them to find out why. I called Telecheck on XX/XX/XXXX and was told that : our " checks '' were declined because they had not handled checks from us before ; then when I listed dates that they had been accepted, our checks were declined because they were a different amount than before and did not fall within the guidelines set by Telecheck. The representative then assured me that she had " fixed '' whatever their information is for us so that our payments would stop being declined. On XX/XX/XXXX, we had another payment declined. Today, on XX/XX/XXXX, when I called Telecheck again another representative told me that it was probably because it hadn't been 72 hours so I should try again today ; and our payment was rejected again. The vendor that we are trying to pay is charging us {$30.00} every time our echecks are declined. Furthermore, the last representative that I spoke with from Telecheck transferred me to a debt collection company when I asked to speak to someone who could actually fix whatever the issue is. At this point we have had payments accepted : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, then declined XX/XX/XXXX, accepted XX/XX/XXXX and XX/XX/XXXX, then declined XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
12/11/2020	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	VA 235XX	Web
On XX/XX/XXXX we began the process to update our bank account information as our bank account changed. On that day, the first attempt was made to update the information. After repeated trips to our new bank to get a letter written from the bank manager with all the information on the form because they would add another stipulation to be added and would never sent a complete list of what we needed. Finally on XX/XX/XXXX our bank account information was successfully added. The last deposit XXXX XXXX XXXX sent to our old bank was on XX/XX/XXXX and received on XX/XX/XXXX. On the XXXX of XXXX our old bank account was closed permanently. On XX/XX/XXXX {$990.00} was allegedly deposited to our old account. On the XXXX {$49.00}. On the XXXX {$380.00}. On the XXXX {$490.00}. On the XXXX {$110.00}. None of these amounts were received. On XX/XX/XXXX the amount of {$510.00} and on XX/XX/XXXX in the amount of {$1600.00} they deposited the funds to their account ending in*XXXX. I have made calls almost every single day asking where are funds are. I am never given a complete reason on why they will not release the funds, different representatives all say different additional excuses each time. Always say they will pay attention to the ticket request and return a call when something has been updated. We are going on 31 days of our funds being held. We are a small business and their credit merchant services is jeopardizing our operations. They can not and will not solve our issue in a timely manner.
11/07/2022	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	NV 89406	Web	Older American, Servicemember
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MD XXXX Re : XXXX XXXX XXXX XXXX XXXX Check Number XXXX {$5500.00} Below are the series of events : Check number XXXX for {$5500.00} to XXXX XXXX XXXX XX/XX/2021 was deposited by XXXX XXXX XX/XX/2021 XXXX In error the check was processed again on XX/XX/2021 by XXXX XXXX and cleared XX/XX/2021 through my account a second time. I was refunded {$5500.00} by XXXX Bank on XX/XX/2021 regarding the duplication error of processing the same check twice. I believe that when the duplication was corrected when XXXX XXXX received the correction, they did not account for the fact there was XXXX purchase by me and they received XXXX credits for that XXXX purchase. Their bookkeeping saw it as a charge back for goods. I was then reported to XXXX checks by XXXX XXXX I was reported to Telecheck by XXXX XXXX claiming they did not receive payment. I am advocating for myself as I am a senior and not being able to write checks in our small community is causing stress and undue hardship I have reached out to XXXX XXXX and Telecheck several times regarding this matter, and nothing has been done. I Included the copies of check XXXX being processed twice through the account, bank statements that show the actual transaction that have happened. I have sent all the documentation to get my name off telecheck. This has been over a year when I did nothing but pay my bill to XXXX XXXX and due to there error I am unable to write check in my community.
01/12/2023	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	IA 502XX	Web
On XX/XX/XXXX I was issued a new debit card due to fraudulent activity on my account. I paid {$25.00} for the card. XX/XX/XXXX I tried to activate my card and was told my account was closed. The person told me to get a new account with a packet from employer. Told him I didnt work for that employer & wouldnt be able to do that. He then took my credit union info and told me all of my money {$4000.00} would be transferred in 24-48 business days. Called back on XX/XX/XXXX when funds were not received- to go through the same conversation with a lady. She then input my credit union checking info again and again was told 24-48 business hours. Called back XXXX when funds werent deposited. Was told they could only issue me a check via usps to my home address. Was not happy, but said ok. This lady said 7-10 days I will receive my full refundXXXX XXXX I called to check status of my check when I havent received one. Was told there was no check to me, but could process one and it would take 4-5 weeks to receive. I asked to speak to a supervisor was put on hold for XXXX hour and XXXX minutes and hung up on. Tried calling back and the whole customer service was closed. Called XX/XX/XXXX to resolve issues had to call 6 times, waited on hold upwards of XXXX mins, sent to multiple different people, hung up on XXXX times, and have no idea where my money is. I wanted to speak to someone who could actually make sense of this and give me the money Ive been requesting since XX/XX/XXXX.
07/28/2022	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 92111	Web
I ask to be opted out of my personal information. I ask that my information is not shared with third party companies. If I want to be opted out, I have the right to be opted out. VIII Privacy -Fair Credit Reporting Act Contents of Opt-out Notice ( 12 CFR 1022.23 ). A financial institution must provide to the consumer a reasonable and simple method for the consumer to opt out. The opt-out notice must be clear, conspicuous, and concise, and must accurately disclose specific information outlined in 12 CFR 1022.23 ( a ). including that the consumer may elect to limit the use of eligibility information to make solicitations to the consumer. See Appendix C to the regulation for the model notices contained in the affiliate marketing regulation. VIII. Privacy GLBA VIII1.2 The privacy notice must also provide, where applicable under the Fair Credit Reporting Act ( FCRA ), a notice and an opportunity for a consumer to opt out of certain information sharing among affiliates. Negligent FCRA Violations When an agency, business or individual fails to exercise proper care or takes action that a reasonable person would not with regard to your credit information, that is negligent behavior and money damages can result. The types of damages available are the same as with willful violations, namely actual damages ( no limit ) ; statutory damages ( usually between {$100.00} and {$1000.00} ) ; punitive damages ( no limit ) and attorney fees and court costs.
08/01/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	NY 100XX	Web
Coming on the heels of all the other complaints we have filed against this now fully merged XXXX XXXX behemoth, which violates every antitrust rule & regulation known to humanity, now they have apparently " reversed the reversal, '' of the {$5000.00} they stole from my account on a Friday, even though we have more than complied with their incredibly confusing instructions/app via their XXXX app program fiasco for XXXX merchant account number XXXX, which one requires a PhD in chaos math to fully understand. We supplied this XXXX company with signed retainer agreements, proof that the cardholder entered in their own credit card data themselves, received goods and services and intellectual property and trade secrets in exchange for their partial retainer fee payment, proof that the client accepted all terms and conditions with nearly 30 pages of selected emails ( there's actually 100s ), proof of legal work product, and tons of other material proving that we earned this {$5000.00} & that we should be allowed keep it. The company should rectify this criminal theft of services, or larceny by trick, of this criminal credit card charge back, and give us back our {$5000.00}. Not only that, but these XXXX have decided to, on their own, accidentally delete the other XXXX account that we created to monitor the merchant services account for XXXX, number XXXX, which the XXXX at XXXX XXXX created for us in addition to XXXX, thus confusing us even further.
07/15/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	MA 026XX	Web
I own a bed and breakfast on XXXX XXXX. We take credit card payments for our rooms. The credit card processor generally deposits money into my checking account daily. However, for the past month, they have been withholding my deposits citing security issues, and there has been no resolution. When I initially called them, they told me it was because I was providing too many refunds ( I was refunding room deposits after checkouts ) and that I needed to send in my bank statements. I completed that. Then, they told me the issue was that the XXXX had a dramatic increase in income. I explained to them that it's a XXXX XXXX Then, they told me that my money was being held because guests were booking rooms one year in advance. As stated, it has been over a month that they have been withholding my money, and there has been no resolution. I will not be able to make payroll, mortgage and taxes in two weeks as my savings is running out. Additionally, there is noway for me to escalate this situation. Everytime I call customer service, they refer me back to the same agent in the security department. They will not let me work with a supervisor or someone in another department who can expedite the process. I believe this is an unfair and unreasonable practice that is causing harm to my business. I do not know where else to go for assistance. I have contacted the AG, OCC, and State and US congress people ; all say it's not within their purview.
12/06/2021	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	IN 46229	Web	Older American, Servicemember
Since XXXX, I have had my check payments " declined '' by three- ( XXXX ) different merchants that use Telecheck XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX all telling me to contact " Telecheck XXXX for an explanation. Coincidently, there was XXXX XXXX the $ amount in my checking account at the time that each check was " declined ''. I have tried more than eleven- ( XXXX ) times, since XXXX, to contact " Telecheck XXXX by both phone and online : XXXX. When I call the given number, XXXX, I enter a merry-go-round of questions which eventually either asks for information already given or advises me to inquire online - never able to talk to a person. XXXX. When I attempt an inquiry online, it asks for my SSN, bank account number, and bank routing number without advising me that it is a secure site. Without all this information, the inquiry can not be submitted. Also, in good faith, I have attempted to contact " Telecheck '' at their XXXX, GA, and XXXX, TX, addresses by XXXX " certified mail '' - sent XXXX. I can only speculate that it is related to an echeck incident at XXXX XXXX XXXX on XX/XX/27 which has already been resolved and all NSF fees refunded ; but, I don't know that. Coincidently, XXXX XXXX processed a check on XXXX for a large amount without incident. I am " old school '' and pay my bills by check. I don't want to be embarrased anymore when I hand or send a check for payment and it is " declined ''.
03/02/2023	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble getting information about the card	CA 95776	Web
I was pleased to received the CFPB " Issue spotlight examines high fees that chip away at public benefits '' today. The State of California issued tax rebates via a prepaid card issued by Money Network Financial , LLC, owned by Fiserv. On XX/XX/XXXX around XXXXXXXX XXXX XXXX, I called the number on the card ( XXXX XXXX ) to get them to send me a check so I could avoid the fees they charge, but had an even bigger problem. I was greeted by a recorded message that said " we are having trouble recognizing your number please call back from another number. '' It then hung up on me. I was given no option to speak to someone and no menu of options for assistance. I called customer support at XXXX XXXX XXXX and was referred to the first number. There seems to be no way to contact the company. I called my state representative. They indicated other constituents had the same issue and they were exploring it. I tried calling Money Network again on XX/XX/XXXX around XXXXXXXX XXXX and got the same message. Of note, the number I was calling from each time was the same number used when filing my state tax forms, so there was no other number to call from that had a higher likelihood of being recognized. I recently received the 1099-misc form from the State of California for tax year 2022. It shows the {$700.00} sent to Fiserv intended for me, but lists me as the recipient, not Fiserv, even though 3 months later I still can not access the funds.
10/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94509	Web
Sometime in XX/XX/2021 I received a collection notice from TRS Recovery Services stating they were attempting to collect a debt on behalf of XXXX XXXX XXXX, in the amount of {$200.00} for a transaction initiated on XX/XX/2021. I immediately disputed the debt because I had never conducted any money transactions there. They continued to harass me after I disputed the debt. Finally, on XX/XX/XXXX, they provided me with a copy of the transaction and it WAS NOT INITIATED OR SIGNED FOR BY ME! It turned out that my husband did it. They NEVER sent a notice to him! They said " well isn't it a joint account? '' I advised that even if it was I did not make the transaction so why am I bring penalized? Finally I filed a document with their forgery dept as advised and they sent a letter saying they agreed it was not me and they would return the debt to telecheck. At the end of XXXX my husband died of XXXX at the age of XXXX. They never did try to collect from him or reassign the debt appropriately. Now almost a year later Telecheck gave it to another collection company, XXXX XXXX XXXX and I'm right back in it again. And since Telecheck is stating the debt is mine I have been unable to open a checking account and close thr joint one. I am unable to write checks it's been a nightmare!! I realize that I may be responsible for his debt but that's different issue and I should not be marred by telecheck and harassed by their collection agencies!!
09/03/2020	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble using the card to pay a bill	NY 12306	Web
I got a card issued through work and have had no issues till about 3 months ago. The card company is called money network. My card was declined while at a store but I had other means of payment and thought nothing of it. XX/XX/XXXX I attempted to use the card yet again to pay for college textbooks and other bills but was declined again. I called the company and was told my card was on hold, they never told me the reason, but told me to fax over my identification issued from the government, my proof of residency and my social security. I sent them out on Tuesday XX/XX/XXXX around XXXX or so. I called again the XXXX because my card was declined again. They said my ID was blurry. I sent my ID out on XX/XX/XXXX at XXXX in the afternoon. I called later that day. The card company told me they never received any of the faxs and that I needed to fax all three again. I asked to speak to a supervisor and he claimed it was just my ID, so I faxed it again XX/XX/XXXX at around XXXX. I called pretty much every day sense and have been told multiple things regarding why my card was still on hold. Several supervisors and customer service representatives have told me misleading information or left out information that would have helped me. I attempted to close my account and get a refund issued but they refused. I asked for documentation as to why it was on hold and they refused. Have not been able to use my account since around mid XXXX.
05/24/2020	Yes	Credit card or prepaid card Government benefit card	Unexpected or other fees	OR 97405	Web
Received my EIP payment ( disappointed it was a debit card and not a check, since my mortgage company doesn't take debit cards! ). The car management site, operated by Money Network has a web page located at XXXX XXXX XXXX that directs users to " no surcharge '' ATMs in the area. Since I didn't receive a check, I now have to withdraw money from the card, deposit it into my checking account, then write a check for my mortgage payment -- a LOT of hassle, and certainly absurd that I should incur fees all because the IRS decided to send a debit card to me instead of the checks they sent to millions of other recipients ( it's also absurd that, instead of the one-time cost of writing a check, the IRS has decided to hire and pay a shady money-lender company to administer these cards that we didn't really want in the first place ). Onto the current issue -- I entered my ZIP code into the Money Network ATM locator site and it identified the XXXX ATM located in my local XXXX grocery store. I went to the store and inserted the EIP card, entered my PIN, and on the final page before committing to the transaction, it indicated I would be paying a {$3.00} FEE ... this is not consistent with the website pointing me to a " no surcharge '' ATM. Chaining me to this ridiculous debit card scheme is insulting enough, but them making me pay a payday lender-style company a fee just to access the EIP dollars that were sent to ME is insane.
06/10/2021	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	FL 33068	Web
XXXX I also contacted clover which is my machine carrier for the way the merchant First Data has treated this situation and still yet have not heard back nor has the situation been resolved Subject : FIRST DATA MERCHANT ID XXXX I OPEN A MERCHANT ACCOUNT FOR MY SMALL BUSINESS I JUST STARTED AND WHEN ACCOUNT WAS OPEN SALES REP DID NOT ADVISED ME OF MY LIMITS I HAD SET ON THE ACCOUNT SO MY XXXX STARTED TO INCREASE AND FIRST DATA STOP PROCESSING ASK ME TO VERIFY SOME INFORMATION I WHICH I DID HOWEVER I HAD PRIOR OVER {$8000.00} THAT THEY WAS HOLDING I KEPT CALLING THEM WHICH WAS UNSUCCESSFUL I WAS TOLD TO LEAVE A MESSAGE WHICH I DID AS WELL AS SENT EMAILS!! NO REPLY I WAS THEN CONTACTED BY A REP WHO TOLD ME MY FUNDS WOULD BE RELEASE I 3DAYS EITHER WAY I WOULD GET A EMAIL HOWEVER NONE OF THAT HAPPEN I AM STILL AS OF YET RECEIVE MY MONEY WHICH IS VERY DISGUSTING ESPECIALLY FOR THIS TO BE A PROFESSIONAL COMPANY AND AS IM DOING MY RESEARCH I SEE THIS IS WHAT THEY DO HOLD PEOPLE MONEY AND DON'T SEND IT TO THEM EACH REP I SPOKE WITH ON EACH SIDE CLOVER ( OR FIRST DATA ) HAS BEEN UNPROFESSIONAL OR UNABLE TO TELL ME ANYTHING! 'M FILING A COMPLAINT TO SAY I NEED MY MONEY BACK THIS IS ABSURD TO BE TREATED THIS WAY ESPECIALLY SINCE FIRST DATA HANDLES MY OTHER MERCHANT ACCOUNT IN WHICH I'M LOOKING FOR ANOTHER MERCHANT AS WE SPEAK I CAN NOT AND WILL NOT DEAL WITH THE UNPROFESSIONAL! AND I FEEL I AM BEING DE-FRAUDED OUT Of my money
06/06/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	IL 61571	Web
I ordered from XXXX on XX/XX/2023 - the amount was {$68.00}. I han another order from XXXX on XX/XX/2023 - the amount was {$160.00}. Both orders were paid from my checking account via Telecheck. I was double charged for both orders : My checking account was charged on XX/XX/2023 in the amount of {$68.00}. My checking account was charged on XX/XX/2023 in the amount of {$68.00}. My checking account was charged on XX/XX/2023 in the amount of {$160.00}. My checking account was charged on XX/XX/2023 in the amount of {$160.00}. My bank sent back {$68.00} and {$160.00} because of the double charge, NOT INSUFFICIENT FUNDS! Two days later I get an email from a collection agency TRS Recovery Services, XXXX XXXX XXXX, XXXX, GA XXXX, Phone XXXX. XXXX has locked my account, unable to place orders, until I send money in the above amounts to the collection agency. I was required to send my bank statement to the collection agency for a " 30 day review ''. I filled out the form, sent the information and nothing has happened. I contacted XXXX- they said I did not pay my bill. The whole issue is a Telecheck XXXX XXXX. TRS Recovery 's client is Telecheck. I believe this is all an invented scam to fraudulently force me to send them money that I do not owe. I also am concerned Telecheck and TRS Recovery will send fraudulent information to the credit bureaus as another way to extort money. FRAUD!!!!!!!!!!!
06/08/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	TX 78217	Web
We are a small new business in the service industry that opened in XX/XX/2022. We signed up through our bank with Merchant services to obtain a Credit Card reader under the Clover name. We were told that at times funds could be held during the first 3 months until we got proper history built. In the beginning we received a few emails stating funds were on hold and was asked for additional information before the funds would be released. These notices were sent via email to my address. On XX/XX/XXXX we noticed that we had not received any funds to our account and inquired to our support person at XXXX XXXX XXXX. They said they would look into it for us. Time went by and still nothing was released until XX/XX/XXXX, and it was only a few hundred dollars, and not the thousands of dollars we were anticipating. We have been fighting with Merchant services and the clover support group and they are finally starting to release our newer funds here in the last 24 hours. It has been brought to our attention that they have held over $ XXXX of our funds for no reason and with no form of communication. Clover has been almost impossible to assist and has not given us any reason as to why the funds were held. This money is used to operate and support my business and staff. I have been taken advantage of and feel as if someone needs to reimburse me for all interest that money would have brought. This is Fraud!!!
08/18/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	PA 16602	Web	Servicemember
On XX/XX/XXXX I filed two claims with money network customer service due to unauthorized use on the card I had with them. The one dispute totaled around {$420.00} dollars and the last 4 of the claim number is XXXX, while the other claim totaled {$200.00} dollars and the last 4 of that claim was XXXX. I was promised by a supervisor at that time that I would be given a full provisional credit within two days of me filing these claims because I needed the money for rent! Now it clearly states on money networks website under the terms and conditions that once a fraud claim is filed within 10 days you will receive a provisional credit for the unauthorized charges. Not only does it state that on money networks website-it also is a federal law and beings that this company claims to be fdic insured-they have to give me my money back! I have called customer service everyday now for the last few days and I ask to speak with a supervisor. I'm not sure what kind of employees money network looks for when hiring, but they need some additional training because not one of them is even nice let alone empathetic to my situation. Not one of them even knows what money networks terms and conditions even say!! I want my money back now! It's been well over the 10 day grace period that you people have been allotted to give me the provisional credits you owe me! I will continue to make complaints everyday if need be!
01/27/2023	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	CA 95062	Web
On XX/XX/XXXX I received my deposit of my pay from my XXXX of XXXX on my Money Network card provided to me by my XXXX. On XX/XX/XXXX I went to XXXX on XXXX XXXX in XXXX XXXX CA to use the ATM and withdraw money to pay bills. I withdrew {$300.00}. I then went to pay my phone bills. Then home to meet my XXXX XXXX to get the XXXX XXXX done on my vehicle. The work on my vehicle turned into a allday process. On XX/XX/XXXX my vehicle was done and I decided to XXXX XXXX it. When I started my car, I saw the XXXX XXXX was on. I drove to the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, ca. I went inside to get some cash from the ATM so I could get gas. Realizing I only had {$20.00} left from the {$300.00} I had gotten the day before. Due to the payment to the XXXX for his services. When I requested to withdraw cash from the ATM. It showed I had a negative balance of $ XXXX. I was completely panicked and in shock! I had just gotten paid. I knew on the XXXX of the XXXX I had ordered some things on line. I knew exactly the amount I spent and knew that there was a big problem. My money was missing. I immediately contacted Money Network. I explained my situation. I was told that there was a withdraw amount of {$400.00} in XXXX ca. On the XXXX at XXXX XXXX and XXXX XXXX XXXX. I said that was impossible because I am in XXXX XXXX and I have not been to XXXX, CA!! I was very upset. I called my XXXX.
01/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 43065	Web
In XX/XX/2022, my checking account with XXXX XXXX was hacked. Thankfully, I caught this within minutes. My local brach stopped payment on the few transactions that had been initiated fraudulently, and I lost no money. However, shortly thereafter I received a letter from " TRS Recovery Services '' claiming to be collecting a bill of {$130.00} on behalf of XXXX that they claim was unpaid when my account closed. I owe no such bill to XXXX. Worried that the hacker may have used my checking account info to pay for ( a rather expensive ) XXXX ride, I even contacted XXXX to ask if they hire outside companies to collect debts on their behalf. XXXX replied to me that they do not hire outside companies, or TRS specifically, for their debt collections. Furthermore, if the payment to XXXX had been declined, XXXX would not have accepted the ride request and there would have been no money lost ( which is to say, no debt to collect. ) When I went on the TRS website to object to the debt, their website required me to enter a large amount of personal data, including data that could itself lead to identity fraud. They also requested me to provide them with information about the debt that they claim to be collecting - information they should have if the debt were actually real. Needless to say, I did not complete that form. All of this leads me to think that TRS is itself a fraudulent company.
03/02/2023	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	MO 63376	Web
On XX/XX/2023 by account was emptied in less than an hour. A total of 24 out of 39 transactions got approved for the amount of {$2000.00}. None of the transactions were made by me. Among the transactions there were 9 scooter rentals, 10 restaurants and a XXXX transaction for {$1200.00}. I realized that this happened within two hours when my card got refused at a gas station.I called right away and I was told that I had to wait for the transaction to be officially authorized, at the time there were in pending status. On XX/XX/XXXX some of the transactions went through and I opened a dispute over the phone. On XX/XX/XXXX, I was told that I do not need to open another dispute for the rest of the transactions that went through. On XX/XX/XXXX, I submitted the dispute form with all 24 authorized transactions. The dispute was denied and I was not notified. I called on XX/XX/XXXX and was put on hold 3 times for about an hour each waiting to speak to a supervisor. I was requesting information on how to file an appeal and how to communicate in writing in a timely manner, not just over the phone. The customer service representatives did not know how to send the denial letter with the information in it. I spoke to somebody named XXXX that stated that she would put notes to request detailed reasoning for the denial and that will take another 90 days before me possibly getting my money back.
09/09/2022	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 902XX	Web
TeleCheck from Fiserv is a check acceptance company. TeleCheck and XXXX XXXX XXXX have been providing undisclosed and fake information to XXXX about me XXXX XXXX to Decline valid charges using XXXX XXXX XXXX XXXX account ending in XXXX. I have been targeted by XXXX XXXX XXXX at financial institutions like Fiserv, Telecheck, and XXXX XXXX XXXX who are attempting to destroy my Business and Personal Financial reputation with false debts and credit information. 1 ) There is no legitimate reason my XXXX and any other online Transactions should be Declined by Telecheck. The average deposits in the checking account being used is over {$10000.00} USD. 2 ) TeleCheck has refused to provide me, XXXX XXXX, with a Consumer Report and more than 3 requests have been made for this information on the Telecheck website XXXX ) TeleCheck has not provided a Decline Code to XXXX or me XXXX XXXX the Consumer to properly investigate the reasons for this discrimination and harassment. 4 ) These fake Declines are illegal Hate Crimes perpetuated by XXXX XXXX XXXX working in established Financial Institutions targeting XXXX and other People of XXXX. Please investigate and have Telecheck release all details related to the unsubstantiated Declines. These false declines are unfairly ruining my financial reputation. These issues have been reported to Telecheck using Complaint Codes XXXX and XXXX.
04/12/2022	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble closing card	FL 33181	Web
On XX/XX/2022 at XXXX, I sent a direct email to La XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and informed them that I reported their fraudulent activity to the U.S. government for XXXX ( please see the attached email ). I closed and locked my Money Network Card card. On XX/XX/2022 at XXXX, I learned my Money Network card account was somehow unlocked and reopened to allowed a {$160000.00} refund from XXXX XXXX XXXX XXXX ( please view the attached email ). On XX/XX/2022, I closed my Money NetworkXXXX Account XXXX XXXX the telephonic assistance of a Money Network Representative named XXXX. Money Network Representative XXXX informed me that the remaining balance on my Money Network account would be sent to my address in the form of one ( 1 ) check. I was already expecting a previous check from Money Network from my previous account closure on XX/XX/2022. On XX/XX/2022, Money Network allowed a withdrawal of {$31.00} from my closed Money Network account, which resulted in a {$31.00} negative balance ( please view the attached screenshot ). On XX/XX/2022 at XXXX, Money Network accepted another {$150.00} refund to my closed Money Network account ( please view the attached screenshot ). On XX/XX/2022, Money Network deducted {$31.00} from the {$150.00} dollar refund, as if I were paying towards the negative {$31.00} balance. To date, Money Network has not closed my account.
08/19/2020	Yes	Checking or savings account Other banking product or service	Managing an account Fee problem	RI 02919	Web
I am a RI XXXX XXXX. I am writing you because I am having some difficulty with one of my financial services. As many XXXX I use a credit card reader to accept payment from my XXXX. XXXX XXXX XXXX XXXX XXXX is my provider. Also Fiserv is the company servicing them and charged me ( see next Paragraph ) On XX/XX/XXXX I contacted them in regard to possibly get out of my contract without penalty. In conversation with my point of contact ( POC ). I stated that my contract obligations are up in XX/XX/2021, and asked if I could get out of my contract early waiving my monthly fees and {$500.00} penalty for cancelling contract. This was just an inquiry. The very next day XX/XX/XXXX, my checking account was charged the {$500.00} penalty. I immediately contacted my POC and I stated that my conversation with her was just an inquiry and I would like my account reimbursed the penalty. Long story short, through multiple phone and email conversations my POC stated that the request for refund is still in process. To date my account has not yet been reimbursed and on top all this I am still being charged a monthly service fee. Please let me know if you can assist me in this situation. This is my POC at Fiserv, the company who handles these services : XXXX XXXX Client Engagement Specialist SMB Client Engagement Team 1 XXXX XXXX XXXX XXXX, MD XXXX Office : XXXX \| XXXX XXXX
09/29/2023	Yes	Prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	CA 91765	Web
XXXX XXXX Received a letter from XXXX XXXX XXXX XXXX that I have not activated the card they sent me. They sent the letter to my current address in XXXX XXXX. Informed Money Network that XXXX card was never received. They informed me it was sent to my old address XXXX. I informed them of my new address DB and already confirmed with XXXX XXXX XXXX my new address was on file since XXXX. They confirmed this was true and Money Network has the wrong address ( old ) XX/XX/XXXX Fraud occurred hacker compromised the XXXX money network card that has {$700.00} on it. They spent at various places, then tried to transfer balance to their own bank. This transaction was flagged and they failed to do a bank transfer. Money network had the opportunity to close all cards sent to old address but did not and fraud occurred XX/XX/XXXX Money network informed me they need to verify my identity and new address. So I submitted documents. XX/XX/XXXX they said they received all documents and they were approved. In their notes they mentioned they agreed to send me a check, but would need to go through all fraud transactions. They are now making me wait another XXXX days when this is clearly their fault. I already told them early on I havent lived in XXXX since XXXX. They didnt do anything, and fraud occurred and my {$700.00} XXXX money network card was stolen and compromised
01/18/2022	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	CA 92392	Web
Hi, On XX/XX/XXXX, I submitted a claim with the irs I never received my third stimulus of {$7000.00}. Irs noted my account, informed me to make a police report and contact money network the issuer of the card to report it stolen and receive a reimbursement with a refund of fraudulent/theft funds! I contacted money network after having being Identified by questions, I submitted a claim ( although it's theft ) they still wanted me to submit a claim. After weeks of waiting, XXXX XXXX XXXX replied with an incomprehensible letter, he placed the Wrong date and other information, and denied my claim although I provided a statement of facts and a police report number as they requested. Money network then sent another card to the wrong address with my balance of {$2000.00} or so, after I informed then of the previous error, they still sent my funds. I had to them make another claim and police report on XX/XX/XXXX, and XXXX XXXX XXXX' which seems to be the only dispute representative who is discriminatory and fraudulent send another carbon copy of the same letter he sent for the previous claim denying it. Now my family and I are victims of theft and money network is not doing due diligence to protect their clients please help and investigate this company I'd like my {$7000.00} that the irs stated I was a victim of due to receive back due to theft please help.
03/31/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 070XX	Web
Reference number : XXXX I received a letter from TRS Recovery Services stating I owe a debt for writing a check that was returned for insufficient funds. I advised TRS that they have the wrong person and this is not my debt. They sent me a copy of the check. After reviewing the check, I am 100 % sure that they have the wrong person for the following reasons : 1 ) The checking account belongs to XXXX XXXX XXXX and my middle initial is not " XXXX '' 2 ) The bank where the checking account is drawn is XXXX. I have never had any account at XXXX. The bank is located in XXXX, NY. 3 ) There is a New York drivers license number written on top of the check. I have been a resident of New Jersey for over 30 years. I do not have nor would I have a driver 's license issued by New York state. Maybe TRS should send letters to XXXX XXXX XXXX at the address printed on the check ( which looks like XXXX XXXX XXXX, NY ) instead of someone with ALMOST the same name but is not the account holder of the checking account at XXXX where the bounced check was presented. TRS is sending letters to the wrong person. It would appear that the XXXX XXXX responsible for the debt lives in New York, has a New York drivers license and has a checking account located in New York. I live in New Jersey, have a New Jersey driver 's license and my banking institution is in New Jersey.
11/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 194XX	Web
I informed TRS recovery services that they were attempting to collect on identity fraud and they responded by dunning me. At some point they also sent me an egregious letter demanding personal information such as my social security number, bank account numbers, etc. I ignored this request as unfounded, especially since it came after the notice from me. I can locate that document if necessary. In addition, they are back dating their letters to make it appear longer periods of time between responses. There are no postal XXXX on their envelops but they are sending by USPS. They are sending letters to my office at the name XXXX XXXX which does not exist. They did not include a suite number. The later letters was sent to XXXX XXXX still at my office. They don't even know who they are attempting to collect from! I am sending a second letter ( certified mail ) to them informing them of the identity theft. This was reported to all of the credit bureaus and I requested my accounts locked. Letter Dated Received XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX ME TO XXXX Deny per Fraud XX/XX/XXXX FAX Proof of Delivery XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX
01/23/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 078XX	Web
My mortgage from XX/XX/XXXX was returned at some point between XX/XX/XXXX and XX/XX/XXXX. I received a XXXX from mortgage ( XXXX ) company stating the XX/XX/XXXX was returned on XX/XX/XXXX due to insufficient funds Originator tracer number XXXXXXXX XXXX XXXX. The XX/XX/XXXX payment was rejected due to insufficient funds. This return was never noted or credited to my account by Fiserv, XXXX XXXXXXXX XXXX XXXX XXXX Multiple claims were made with Fiserv to trace this money. I have yet to hear a result directly from Fiserv. Fiserve has claimed they recieved an amount of {$1400.00} at around this time but did not credit it to my account to show that. This is a human error that needs to be resolved. XXXX XXXX XXXXepartment sent XXXX letters in XXXX recognizing all transactions and returned the {$1400.00} directly to my account via direct deposit. So now missing mone. found i paid mortgage the right amount! XX/XX/XXXX. Fiserv started claiming I owe $ {$1400.00}. I have requested written communication mailed to my house about this so i can take it to XXXX and XXXX but have not recieved anything in mail. Someone claims to have spoken to me and sent out documentation but i dont know how and where it was sent. It wasnt to me. The {$1400.00} that i owe them was recieved by Fiserv on XXXX and not credited to my account. They admitted receiving.
01/27/2021	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Don't want a card provided by your employer or the government	AZ 85711	Web
I am set up for direct deposit to my checking account through the IRS, but instead of direct depositing my funds, an account was opened in my name without my permission. According to XXXX, the account activity is as follows : XX/XX/2021 XXXX Transfer to personal bank account Amount : ( {$600.00} ) XX/XX/2021 XXXX One-time Contribution from AFC Economic Impact Payments XXXX Amount : {$600.00} According to the above, XXXX held my money for 26 days without my knowledge and without paying any interest. According to XXXX, the current rate for personal loans ( assuming XXXX has good credit ) is 10.3 percent. Very roughly, XXXX owes me {$4.00} in interest and {>= $1,000,000} for severe emotional distress. When I call XXXX, no one answers the phone, so I have no reason to believe that a real person would respond to mailed correspondence either. There is no place on the website to close the account. I want this account closed, and all future money owed to me by the United States to be direct deposited to my personal bank account as I request every year when I file my taxes. It is not for the U.S. Treasury to run a retail bank at all, much less one that opens accounts in secret and exposes Americans to potential fraud and abuse. I have already written to my Congressional Delegation on this matter and am investigating further legal options.
06/03/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting a working replacement card	PA 17201	Web
https : XXXX Husband thought the eip debit card was a scam so cut it up. Have seen information that it may have been legitimate. " Money Network '' company? Below is on their page : " Go to Money Network home page Lost or Stolen? XXXX Go to Money Network home page HomeFAQsATM LocatorContact Us Login Start using your EIP Card Your Economic Impact Payment Card contains the money you are receiving as a result of the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ). The EIP Card is sponsored by the Treasury Departments Bureau of the Fiscal Service as part of the US Debit Card Program. Now that youve received your Card, heres how to activate and start using it. SafeConvenientSecure economic impact payments card '' Another site says, " If you do throw the card away, you can get a replacement by calling customer service at XXXX XXXX XXXX XXXX XXXX, according to XXXX, which provides information on how to use the cards. While the cardholder agreement says it costs {$0.00} to replace the card the first time, there is a {$17.00} charge for priority shipping of the new card. '' That'd be great if the phone number actually got you to customer service or a real person. The phone options do not allow you to get farther than it wanting you to input the card number - you know, the number on the card you destroyed ...?? Help please.
11/22/2023	Yes	Prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	CA 90501	Web
Under California Middle Class Tax Refund ( https : //www.ftb.ca.gov/about-ftb/newsroom/middle-class-tax-refund/index.html ), I received a {$1500.00} refund. California Franchise Tax Board ( FTB ) outsourced Money Network Financial , LLC to issue a prepaid debit card which I never received. After so many attempts to figure out why I did not receive it, finally, Money Network was finally able to verify my account and re-issued a debit card to me, and then I found out the original card was stolen and money was withdrawn from various ATM machines without my authorization. I reached out to FTB originally about this incident and was informed FTB can not help and Money Network will need to assist me with this. I filed complaints and disputes against Money Network, but they never officially responded. I reached out to Money Network multiple times and finally, I was able to speak with someone over the phone, and they denied my dispute. I never received the original debit card and my money was withdrawn without my authorization. I have filed a policy report at the local XXXX Police Department. Case number can be provided upon request. I need my money back. Lastly, financial regulations and authorities are very complex. If CFPB is not an appropriate regulatory body to handle my case, please refer the right authority so I can resolve my issue.
04/11/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	NV 89030	Web	Servicemember
The company is called Telechek in Georgia. The process checks. I own a business in XXXX XXXX XXXX, Nevada and have been declined by this processing company. Not for any issues we have had on our checking account ( s ) but for the fact that " my check was considered fraudulent because it was written for an amount higher than I normally write. '' I only do a couple checks a month with this company so they have no way of knowing what I write checks for. In fact, I write over $ XXXX worth of checks each month to many vendors. They stated I have no history with them so they can't approve the processing of my checks. They would not call my bank either to confirm the amount was good. How can I build a " history '' with them if they never approve the checks. I asked to speak with a XXXX and they absolutely would NOT transfer me. XXXX XXXX # XXXX ( probably a fake number ) would not transfer me to anyone else. So they have restricted me from doing business with the particular company here in XXXX XXXX and if any other vendor uses this service, I will be unable to conduct business. These types of companies have too much power. They should not be allowed to decide if my checks are fraudulent without any discussion, proof or evidence. I have been in business since 2008 and do not have issues with other vendors because they do not use Telechek.
05/19/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33445	Web
At or around the beginning of XXXX I checked my XXXX account online and I notice an XXXX XXXX Charge for XXXX that I have never authorized or agreed to pay. I call my bank and placed a disputed and they said that they will investigate the claim, now less than 2 weeks after my complaint I'm getting a letter from a collection agency trying to collect on a debt that I do not recognize and I certainly do not owe. The representative was very rude and refuse to prove that we actually owe this debt and start pressuring us to accept that we are responsible for this debt and until we prove that we don't they will be continuing reporting this debt as well to credit bureaus and XXXX and as far I know they by law need to prove me that I owned the debt before they try or intended to collect on such debt. I was trying to make sense but they were pushing and pressure me to settle an account that I DO NOT Owe. I'm in the process of buying a house for my family and this dishonest practice will affect me in a big way, this type of collection should not be allowed especially without them proving that I actually, legally owned them the money. They suggested that I gave them my social, bank account, and routing number that is XXXX, I just got robbed on my own account why would I provide you with such private and non-public information. Make no sense
11/18/2021	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	IL 60014	Web
We receive online bill payments that are handled by Fiserv out of Wisconsin. They handle the online bill pay for multiple banks. They put various payees in the same envelopes. So for example, if XXXX companies have the same mailing address, they will put both inside the same envelope even though those XXXX companies XXXX have nothing to do with each other. They are not separated in the envelope. It is XXXX check after another in the envelope and who over is the payee on the first check is how it gets sorted due to the envelope remaining closed until it gets to that individual in XXXX. In which case the receivable individuals are able to see checks for other companies that they are not privy to. We tried calling Fiserv and they said that the online bill payor has that in their terms and conditions. I said, I should then be able to walk into a bank by that justification and look at anyone 's account since we both happen to bank at the same bank at the same address. They said the payor has to opt out. As a result of their business practice confidential information is being shared among individuals that should not have access to it. I have pictures of checks included in the same envelopes but don't feel like that would be good to upload. In any case, Fiserv said they do that business practice so it's not like they are denying it.
06/17/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30533	Web
I received three letters today, XX/XX/2021 from TRS RecoveryServices stating I owe money to XXXX and XXXX XXXX. I received a set of second notices on XX/XX/2021. I called my bank immediately after receiving the first notices because I thought it was a scam. I don't have credit cards with either of these services. I looked up each charge in my bank account and couldn't find any records of them. I am also currently an employee of XXXX XXXX ( a bookkeeper ). My bank researched one of the charges and couldn't find it in my bank record. After telling them about the notices, my bank advised me to ignore them and get a copy of my credit report. I called each companies credit service phone number and looked to see if there were accounts with my Social Security number and the result was zero! I have no credit accounts with either of them under my Social Security number. I am wondering if this is a case of identity theft or a clerical error. I certainly want an explanation as to why TRS is coming after me. I looked them up and checked the address on the notices on XXXX. Seems they're legit. Honestly, I am afraid to dispute the charges with them because they want me to report my Social Security number and bank account number on a form. Seems they're setting up a trap for me that will cause me a lot more grief than I'm already getting.
03/12/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MO 63033	Web
On XX/XX/XXXX I made a purchase though XXXX for some items with my checking account. I received an email from TRS recovery service on XX/XX/XXXX advising me that the payment did not clear. I checked the error and realized I provided my saving account number not my checking. I then called TRS recovery on XX/XX/XXXX and made a payment of XXXX to resolve the issue the payments where broken up into two separate charges one for XXXX and the other XXXX. Those payments were withdrawn from my account on XX/XX/XXXX, I attempted to make another purchase from XXXX on XX/XX/XXXX and was advised my account was still on hold with TRS recovery because a payment was never received even though the payment was withdrawn on XX/XX/XXXX. I have can TRS recovery numerous of times since then and have only gotten the run around I was told to call XXXX, call your bank we dont show we have it your bank sent the payment back on the XXXX but I made the payment with my debit card and also spoke with my financial institution and they shown nothing has been returned and the payment was intact withdrawn on XX/XX/XXXX. I was then told by TRS recovery that I would have to file an appeal which would take up to 30 days for a review ( meaning I would have to spend more time and money into an issue that hasnt been resolved on their end ) and to fax in the appeal.
11/18/2021	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	CA 92346	Web	Older American
On XX/XX/21, there was an unauthorized charge on my checking account from XXXX XXXX XXXX. I do not have that cellular service, therefore I called my bank and they reversed the charge and said they would investigate the matter. I haven't heard from them in writing as they promised. A few days later I received a letter from XXXX thanking me for choosing TeleCheck XXXX by Phone to by the service fee/deductible for a recent Protection XXXX Claim Number XXXX, mobile XXXX, lost device, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX This is clearly not me, I do not have that mobile number, my cellular service provider is XXXX.The payment details on the letter are disturbing, because they show my name and address. The authorization date is XX/XX/21, date of draft is XX/XX/21. I tried to call XXXX but they wanted my SSN and other PII that I was not willing to provide. Today I received a letter from TRSRecovery services, notice of unpaid electronic transfer. I called the number provided and the person online also wanted information I wasn't willing to provide. He recommended that I complete a fraud report on their website. I went to their website and again, they are asking for my SSN, etc. I do not feel comfortable doing so. I received the runaround trying to call XXXX XXXX, and tele check. Please help me resolve this matter Thank you
12/15/2022	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	CA 948XX	Web
On XX/XX/XXXX, my mother was issued an XXXX XXXX via Money Network XXXX XXXX ) for the third economic stimulus payment of {$1400.00}. She had no previous financial relationship with XXXX XXXX or XXXX. She had XXXX XXXX on XX/XX/XXXX, she could not activate the card, and as I was not the cardholder I was not authorized to activate the card, so no one did. As my mother 's heir-at-law, I filed a XXXX tax return for her, but IRS would not issue me the refund, saying the funds had been previously distributed to XXXX. On XX/XX/XXXX, XXXX acknowledged receiving my request to have the funds returned to the US Treasury, and requested various documents like the death certificate and ID. I sent these on XX/XX/XXXX, following up with a phone call on XX/XX/XXXX, where the representative said that he was putting in another request to have the IRS sweep the funds, but that he could not tell me when it would happen. On XX/XX/XXXX I received a reply letter from IRS saying the funds were still at XXXX. I contacted XXXX again and neither the representative nor the supervisor I spoke with would give me a timeframe for when the funds would be returned to the US Treasury. XXXX was also unwilling to send me any written confirmation of the receipt of my request to have the {$1400.00} returned to IRS or that my request was in process.
12/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL 628XX	Web
I placed XXXX small orders on XXXX months ago and they did not clear my bank instead of reaching out to me they sent them directly to TRS to try to gouge me for even more money!!!!! I found this out because TRS started harassing me!!! I am a twice widowed mother and XXXX worker but off on unpaid XXXX due to serve health issues and have not been paid in XXXX months, XXXX!!! I have gone through all of my savings to pay my bills, have no credit cards, and can not get a loan because my XXXX XXXX is too low. Then XXXX XXXX who I have purchased from at XXXX for years starts using these crooks to gouge people who are already suffering for triple the original amount they could not pay!!!!! So, I emailed him at his email address XXXX and told him what I thought about all, and he replied stating he would contact TRS Recovery Services to stop contacting me!!!! I thought all was taken care of, this was over months ago, then today I received these notices from TRS Recovery Services harassing me once again with their exorbitant usuary fees!! I am NOT paying them EVER and have already told them to CEASE and DESIST, yet they continue to contact and harass me, they are breaking the FDCPA laws!!!!! Make them STOP and enforce the law and fines on them!!!! I am also going to file a complaint with the IL Attorney General against them too!!!!
11/30/2020	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	FL 33913	Web
I have a prepaid Money Network card rom my employer which is where i receive my paycheck. I noticed that there was a lot of money missing form my account on XX/XX/2020. I immediately notified them, they did issue me a new card and sent me forms to fill out. I filled everything out, along with a written statement explaining what happened. I do not often check this account, however when I was made aware of the problem, the scammers had stolen over {$3600.00} from my account. All charges were at gas stations and XXXX XXXX. Looking at my account, you can clearly see these charges should have been flagged ling before this amount should have been taken. Money Network said it would take up to 10 days. I called them again, and they said my claim was denied. I have filed police reports with the XXXX XXXX Police, the XXXX County Sheriff 's Office and the FBI since it is a considerable amount of money and yet Money Network still will not reopen my case. When I spoke with the police, they informed me that they are aware of this problem and have been unable to apprehend the scammers. I am reaching out to you in hopes that you can question the integrity of this institution and do the right thing by getting me my hard earned money back. I am not in a position to lose this amount of money. I can be reached at XXXX or XXXX. Thank you
12/21/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Money was taken from your account on the wrong day or for the wrong amount	CA XXXXX	Web	Older American
Hello, Middle Class Tax Refund Debit Issue. We received a {$1000.00} credit. On XX/XX/2022 at XXXX PM we withdrew {$580.00}. On the following day at the same ATM I attempted to take out the remaining available funds of {$460.00} ( ATM FEEs {$3.00} per transaction ). The ATM said the funds we note available due to the fact no additional transactions within the same day. I figure I would try again the next day which I did. I was refused again due to we now only have {$1.00} left in our account. Somehow of the other this ATM deducted the {$460.00} along with an ATM fee of {$300.00} and did NOT provide me the funds. On XX/XX/XXXX I called the number on the back of the card XXXX and attempted to file a complaint to get the missing funds added back on. When I asked for her name to I could follow up and hung up on me. I called back the next day on the XXXX and a gal named XXXX answered the phone. I explained the issue to her and asked if I could please speak with a supervisor. She put me on hold and said one would be with me a.s.a.p. I was on hold for about 30 minutes and then the line went dead. On the XXXX I called back again and received the following message. " Due to high volume we are not able to assist you at this time ''. Can you please look into this for me. I could REALLY used this money. Thanks, XXXX XXXX
07/13/2020	Yes	Checking or savings account Other banking product or service	Closing an account Funds not received from closed account	NJ 07107	Web
Dear sir/madam, I had signed up for XXXX XXXX XXXX provided by First Data XXXX Services LLC in XX/XX/XXXX for my XXXX of XXXX XXXX XXXX XXXX XXXX I was using their merchant services till XX/XX/XXXX without any problem. On XX/XX/XXXX, I processed two transactions for the total amount of {$740.00} using merchant service account ( XXXX ). When I processed these transactions on XX/XX/XXXX, First Data XXXX Services LLC cancelled my account and never released the fund of {$740.00} to me as of today. I contacted their customer service several times and talked to their supervisors ( XXXX ) in many occasions, at the beginning they told me that the funds will be released after 60 days from XX/XX/XXXX, they also promised me that someone would get back to me from their security department, and as of today - nor their security department or any one else has called me back yet. Rather than releasing my funds, they are charging my account and adding lot of fees unfairly. They have cancelled my account unfairly and because of them, i had to pay additional {$530.00} for their devices. They have also reported my name on the merchant services as misuser. I called their security department at least 20 times to solve this issue and there is no one to pick up the phone, I left several voice messages too but no responses back.
01/21/2021	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	CA 92677	Web
They have blocked access to my {$600.00} stimulus funds I am receiving errors on Money Network automated system and online account which blocks me from obtaining my {$600.00} stimulus money. I have called 8 times and each time the issue is unresolved. I have been told each time a supervisor will call back in 24 hours, but I have never received a call back. I have tried multiple times to transfer money in my account and it errors out and the agent says my bank refused this electronic transfer, however my bank has no record of any bank transfer Ever being attempted. I have verified the bank account number and routing number and it is correct. I just want my money. I have spent over 8 hours on hold for these many calls. At one point I also asked for a check, however the online account shows no evidence of this and you are unable to request a check online. And as far as ATMS, I am XXXX and would only be able to drive up to an ATM, however every ATM in there network is inside a store where for health reasons I can not go. I find there ATM network discriminatory and there customer service severely lacking. Please help me obtain my money. I am highly suspicious that this is purposefully done as to be able to hold on to your money as long as they can ... This is an impossible situation That I am unequipped to resolve.
03/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89166	Web	Older American, Servicemember
I received a Letter of Notice of Unpaid Electronic Fund Transfer from TRS Recovery Services. Reference Number : XXXX. When I contacted them, I could barely understand the customer service agent to dispute the charge and request copies of all documents. I was told to send in a online request. When I attempted to fill out the form online, all the form did was error out when I submitted. The CSR told me to call the financial institution of the alleged account. I don't have an account with that financial institution, so their fraud department was unable to assist. I also called TeleCheck Services Inc., and they were unable to assist since I'm not in the system. This business wanted my personal information for some reason without providing copies of the debt they say I owe. When I contacted the local police department of the incident, the officer wanted information was was not provided by TRS Recovery Services. TRS Recovery Services & TeleCheck Inc. believe you are guilty until I clear my name. I will not provide my financial information any personal identifying information until TRS/TeleCheck provides documentation of a debt. TeleCheck may not approve my checks at stores and financial institutions according to the collection letter. Even though it's not my debt. I AM DISPUTING THIS DEBT.
03/15/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	GA 31406	Web
On XX/XX/XXXX there were over 50 unauthorized transactions to my account. Upon checking my account my funds were depleted to XXXX with the transactions totaling over {$2000.00}. I spoke with the bank and they informed me that they would send over a form and investigate the transactions. During this time I completed all the forms and returned every piece of evidence that I had to prove my innocence which was frustrating because I was the victim in this situation. I included screen shots of the device screen time which was clear evidence that the charges were not made myself or any authorized party. After weeks I received a letter stating that my claim was denied and the case was closed and not to be reopened and that I could call for further information which I thought was very odd since there was supposed to be a investigation. During the month of XXXX my account was compromised again this time for almost XXXX and after calling this time I received the same form but this time the turnaround for the denial was much quicker within days for a few of the transactions they never sent over the form at all which was very discouraging. Before the transactions in XXXX I signed up for fraudulent alerts and this did not happen. I am currently working with an attorney to assist me with this situation.
02/07/2023	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	CA 932XX	Web
There were XXXX purchases made with my middle class refund debit card # XXXX XXXX XXXX XXXX expires XX/XX/XXXX that were fraudulent. I contacted the credit card issued money network customer service number at XXXX on the back of the card right away to let them know. I contacted them XXXX already about these charges. They have told me that they do not issue temporary credits and that I would have to wait between XXXXXXXX XXXX for their investigation to be completed to get a refund. I have never heard of a credit card company not issuing a temporary credit for unauthorized charges or the legality of it. I havent found anything online about this issue so far. The charges were as follows. XXXX on XX/XX/XXXX for {$9.00} from XXXX XXXX XXXX XXXX, XX/XX/XXXX for {$180.00} from XXXX XXXX XXXX XXXX XXXX, and XX/XX/XXXX for {$180.00} from XXXX # XXXX XXXX XXXX. I did not make these purchases and I physically had my card the whole time and I also did not have anyone in my house. I have no idea how anyone couldve gotten this information. I do not have a running vehicle to even be able to go into these stores in XXXXXXXX XXXX to make these purchases. I contacted the XXXX about this issue but they said that they were unable to do anything about it. I am unsure what I can do about this at this point.
10/11/2023	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	CA 90066	Web
I receive my payroll from XXXX on a XXXX XXXX. On XXXX, my paycheck of approximately {$600.00} was deposited into my account and when I went to withdrawal the money to put into my personal bank account, it stated insufficient funds. I immediately contacted XXXX to notify them of what happened. They asked me several questions, such as how many cards were issued, answer 1, does anyone have access to my card, answer no, does anyone have my personal information, answer no, do I have the card in my possession, answer yes. XXXX said they would mailing me a Dispute form, which I was to complete and return. Before I could complete and return the form, I received a letter from XXXX denying my claim of {$580.00}. This is the 3rd time in the last year that this has happened to me and each time XXXX denies my claim and I have to file complaints against them. I would cancel my card except my employer deposits my paychecks into this account. I believe that a XXXX employee is taking my money because I had the only card issued and a XXXX employee would be able to get a duplicate card and would have access to my personal information. I need your assistance getting this money back. I only bring home {$1400.00} a month, so having {$580.00} taken from me is devistating. thank you for your help.
05/28/2022	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 92392	Web
I am a XXXX XXXX victim of severe identity theft fraud since XXXX. Here is the " police report '' and " Identitytheft '' report attached! I have faxed to fiserv, yet no reply!!! Money network refuses to review this " new '' correspondence. Money network is now discriminating against me because of my race. I followed all of their protocol ( ie : submit an identity theft report, submit a police report, submit dispute report and declaration ) yet, money network refuses to properly investigate my claim and replenish my stolen funds from my family and I. My current phone number XXXX was a victim of fraud as have all my previous numbers been since the identity theft incident initially in XXXX, please see attachment! I contacted fiserv on XX/XX/XXXX I had spoken to XXXX and a XXXX. I was told to submit a police report and identity theft report which their response proves I am a severe victim of identity theft. I was called a " monkey '' and told " they always want stuff greedy XXXX '' I am saddened I did everything I was told yet I not only never received my payment back for my children and I but I was also called XXXX names and totally prejudice acts I had to endure. Please help so no other protected class individual has to be mistreated by fiserv/money network. Thank you.
03/31/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Can't stop withdrawals from your account	PA XXXXX	Web	Older American
XXXX XXXX has submitted items for the same transactions over and over, causing overdrafts as well as bank fees. In addition, Telecheck, ( TRS services XXXX XXXX process for bank transactions ) has assessed 5 @ {$30.00} each time. At the present time, TRS has presented these same 5 {$30.00} four times. Each time XXXX has assessed OD fees and returned the item. It is usual for a second representment of the same item, however, more than two times is abusive as well as a violation of the banking regulations. XXXX XXXX, TRS as well as XXXX bank are in violation by allowing these transactions to continue endlessly. It is a process to generate additional fees for the financial institutions. Adding to this, TRS, as sent me invoices charging not only the amount of the item but an additional fee of {$30.00}. The items {$25.00} Ref XXXX Item {$25.00} Ref XXXX Item {$25.00} Ref XXXX Item {$50.00} Ref XXXX In addition, there are extra fees of {$30.00} added to the above amounts. And 5 x {$30.00} has been deducted from my account. TRS threatens to disallowed any activity regarding financial institutions, i.e. opening accts, check denial etc. As well, transactions which were processed as an XXXX were changed to a check as a means to process the items a second, third and fourth time.
09/26/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MI 492XX	Web	Servicemember
Received letter from TRS Recovery Services, XXXX GA on XX/XX/23 stating I owed payment on an item purchased on XX/XX/23 from XXXX. I called XXXX and they verified my account was on good standing. I sent their form back indicating this was not my debt, and asked for the Original Creditor. They sent the second correspondence on XX/XX/23 which identified XXXX as the Original Creditor. I contacted XXXX Customer Service again on XX/XX/23, and they confirmed this is not my order, there is no order with this number or amount, or item on my account. XXXX Customer Service said to ignore this, but I researched and found this is a legitimate Credit Collector. The item on the correspondence was supposedly paid for by E-Check, and I don't know what that is. I have a payment method set up in XXXX, they always email me to confirm my orders and I also get confirmation when an item has been delivered. XXXX confirmed no emails were sent to me on XX/XX/XXXX, which was the date the item was ordered. Another concern I have is that the tracking information did in fact indicate a delivery, and to a friend of mine. How did her name get attached to anything in my account? Also, the first name ( mine ) for billing is not the same as the one I have set up in XXXX ( which was my first red flag ).
09/01/2023	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	VA 24541	Web	Servicemember
On XX/XX/XXXX I sent {$1400.00} using bank to bank transfer from an online company called Money Network. Upon realizing no money was pending in my account 2 business days later, I called XXXX XXXX to see where the money was. They had never received any money to come to my account. The lady from XXXX XXXX told me ask Money Network for a 15 digit code. Money network told me and still are continuing to tell me they never had an ACH code or 15 digit code. Finally last week I put XXXX XXXX and Money network on three way with me asking them for help and to let XXXX XXXX know I was not joking around about not being able to give them the ACH number to help me. I filed a dispute with Money Network since they are the one who couldnt provide me a tracking number to even stop my funds! It is going on a month someone has spent they money probably and I STILL CAN NOT GET ANSWERS. They denied my appeal and my main dispute not even 24 hours later. That money came from the VA dependents chapter 35 to help me with my bills, I am currently behind due to money network not taking my investigation more seriously. The account number they are saying its in I have no clue where those numbers came from and the reason for my denial was because XXXX XXXX reviewed the money so they did their part.
08/29/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	TX XXXXX	Web
Good morning My wife and I have a problem with : Money Network Cardholder Services related to the Economic Impact Payment Card. We have called their customer lines several times but We were unable to contact someone to help us with this request, the available options are only with a card number, but this is not our case as we never got one. We have also sent to certified letter through USPS and XXXX and both have been returned saying the company moved from that location, but that is the only address shown on their website. We received a White House letter on XX/XX/2020, and notice number XXXX XXXX XXXX XXXX which indicated we are receiving an economic impact payment of {$2400.00} by check/debit card, nevertheless, so far, we have no received it, reason why, we contacted to the IRS to get more information about it. The IRS informed us that Money Network Cardholder Services is in charge and responsible for sending the cards with the economic impact payment so we contacted them directly with no response. We daily carefully check our mail but nothing has arrived yet after almost 4 months where even my neighbor got it. We truly appreciate your prompt reply to this request, due to the current situation, we really need this economic assistance. XXXX XXXX XXXX XXXX
09/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	UT 84093	Web
On XX/XX/XXXX I received notice from my bank via text that someone was trying to change the password to access my account. I logged into my account to see that funds had been moved from my credit card ( linked to my checking account ). I contacted my bank who guided me to change my passwords to my accounts and to visit XXXX XXXX to have my device scanned for any malware. All actions were complete. On Monday, XX/XX/XXXX three withdrawals had been made from my checking account with the transaction title being : " AUTOMATIC WITHDRAWL, XXXX XXXX XXXX XXXX ( XXXX ) '' the charges were : {$1000.00}, {$1000.00}, & {$510.00}. That day I went to my bank. It was discovered to be fraudulent charges. I closed that account and opened a new one. The charges were reversed by my Credit Union. Three letters Received Dated XX/XX/2023 from TRS recovery services ( sm ). Letter XXXX : Reference Number XXXX for a balance of {$1000.00} Letter XXXX : Reference Number XXXX for a balance of {$510.00} Letter XXXX : Reference Number XXXX for a balance of {$1000.00} Phone calls received XX/XX/XXXX & XX/XX/XXXX seeking collection. I notified my Credit Union of these notifications seeking guidance. They told me not to engage with the collection agency, TRS, and to report this as fraud.
12/04/2021	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	MI 482XX	Web
My stimulus check was sent on a card and was sent to an old address someone got the card and activated it and withdrew all of the money off of the card. When I learned about this I disputed it as fraud and filed a police report sent all of this information in and they didn't investigate it they just denied my dispute stating inconsistent conflicting information! I've asked plenty of times for the information they used in reaching the denial and yet they haven't sent me anything as of yet and per law I am to be provided that if asked for and if nothing was used to reach the denial how was a denial reached with the police report and all I still have all of my paperwork that was sent and turned in including the police report and will forward it to you if needed. The company name is money network I don't know why my stimulus check was sent via card when my bank account number was on my tax paperwork and everything should've been deposited in my bank account to stop fraud yet it never was a check was mailed the first time for the stimulus check and was stolen and cashed without my consent I didn't cash it this is the second time this has happened and I'm tired of it im out of {$2700.00} and I've been appealing my decision and still nothing showing why it was denied
03/21/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL XXXXX	Web
I have a contract with XXXX First Data. Due to what is going on with the entire world right now ( XX/XX/2020 ) I am having to close my business down. The customer service representative was not empathetic or understanding at all. As of now I am making XXXX and going under very quickly with everyone staying in and terminating their appointments. He told me i could suspebd and push back payments for 2 months only. I advised this representative that i am haveing to close fown the business because XXXX revenue being closed in that having payments build up for 2 months and in the end owing for 3 months will not help me. He then proceded to tell me I would be turned over to a collection agency. He said that statement to me over and over again. He never once tried to send me to someone higher up. Due to everything going on right now, I have ended several other contracts early and the companies were very inderstanding and wiped all that was left away. I am not closing down because I am a bad business owner, but because people are affraid of going out in the world and getting sick. I will never recommend this company for being non understanding of the horrible situation the economy is in. I have reached out to people with the clmoany and have received nothing back.
12/03/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 940XX	Web
I believe I and my aunt, XXXX XXXX, are the victims of identity theft. TRS Recovery Services, a Georgia business, has contacted me repeatedly regarding an XXXX transaction for {$29.00} entered into by my aunt. I had nothing to do with the transaction, I but received several notices from TRS as a collection agent. I disputed the charge twice by letter, but TRS continued to contact me. We called to dispute, but TRS did not desist with collection notices. My aunt then paid the claim to make it go away, and then her bank account information was stolen and used in many foreign countries the same day. I have copies of all letters from TRS as well as proof of payment ( even though we disputed the claim ). I can provide all the documentation. I believe this company fished for my aunt 's bank account through a transaction on XXXX that I had nothing to do with and then stole her identity. I would like TRS to stop contacting us, especially since we paid their false claim even though we did not owe it, and not harm my credit history at all. I am only XXXX years old and did not have anything to do with any XXXX transaction and don't wish to have my ability to obtain credit in the future harmed in any way. Please let me know if I can email or fax all documents to you.
11/28/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	TX 78704	Web
I attempted to pay my rent at XXXX through XXXX on the XXXX. XXXX somehow messed up my payment and sent it through CheckFreePay also known as Fiserv, so it was sent to the wrong biller. XXXX and myself, upon realizing the mistake, both contacted CheckFreePay to request a refund on the XXXX. CheckFreePay said they couldn't do anything until XXXX, who are the biller approve and send the refund. I contacted XXXX to get this process started and XXXX approved and processed the refund to CheckFreePay on the XXXX. Now CheckFreePay is telling me that they can't process the refund until they recieve the money from XXXX, but XXXX has already processed the refund and it says in there system it has been successfully sent. XXXX has even called CheckFreePay on my behalf to confirm this information. CheckFreePay isn't giving me a timeline or anything for the refund and keeps telling me XXXX hasn't approved it, even though it's been documented several times that XXXX has approved the refund. XXXX can't process the refund either until CheckFreePay approves it. Essentially my money is sitting in limbo somewhere with CheckFreePay and they aren't doing anything to help me at this point, they keep making escalation tickets and telling me they'll call me back but never do.
06/01/2023	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 751XX	Web	Older American
On or about XX/XX/XXXX I noticed that my account was very low. When I checked my account statement, there were XXXX transactions from places I had never shopped which occurred while I was at work. On XX/XX/XXXX, XXXX transaction for {$100.00} and another for {$400.00} about XXXX minute apart from each other at XXXX in XXXX, TX. Also on XXXX, XXXX transactions were from XXXX XXXX XXXX XXXX XXXX in XXXX and XXXX were about XXXX minute apart. The transactions were {$990.00}, {$990.00} and another for {$990.00}. The last transaction was on XX/XX/XXXX at XXXX XXXX XXXX in XXXX, TX for {$500.00}. I've never been to these places. I called Money Network when I noticed the charges ( XX/XX/XXXX ) and they canceled it and issued a new card but did not refund the money. I disputed the transactions with Money Network on XX/XX/XXXX but they denied my dispute so I appealed the denial on XX/XX/XXXX which they also denied. They have no email address and the phone number leads to a call center in XXXX. Money Network have been of no help. The debit card was in my possession at all times and no one else knows my PIN. Money Network is the debit card that I received from my workplace for direct deposit of my income. I have no idea how these transactions occurred.
06/01/2023	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	CA 91344	Web
This is in regards to XXXX XXXX XXXX XXXX card. In the month of XXXX I was going to receive Refund from California for {$700.00} for having a making less that {$140.00} XXXX XXXX. After waiting for my depit card for three months, I kept calling IRS I kept calling Money Network they kept telling me to wait for my card I will receive it. I called back in XXXX asking for my card again they stated that my card has been activated and used at different ATM machines. They said they will open a claim I will receive a new card and after 90 days of investigation I will get my money back on my account. Yesterday when I called they said they can not refund me my money because my card was used and someone used my pin. I tried to explain to them that my card was hacked and used before I even received it. I had nothing to do with it. I am asking for them to please refund my money. I work for XXXX I am a XXXX I make very little money I was waiting for this money to pay my bills that I have not been able to do so. I am not sure why they never closed my card when I was calling and asking them to stop the card and issue me another card. Why they waited so long for someone to use my card take all the money out then they sent me a new card with {$0.00} balance.
05/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 191XX	Web
XXXX put a hold on my orders in XX/XX/2021 for an outstanding balance of aprx. {$80.00}. On XX/XX/XXXX I contacted the XXXX party collector and resolved the balance. When I place orders with XXXX, they are canceled. XXXX states, that the XXXX party collector has not provided them with the information to prove my account is resolved. I called the XXXX party collection company and they informed me that they are not obligated to report to XXXX. This is the exact opposite of what XXXX 's cancelation latter states. I asked the XXXX collection agency how ill XXXX known my account is clear and they informed me that the company that processes the payment will inform XXXX. After explaining this to a customer service representative from XXXX, I called the XXXX party collection agency with the XXXX rep on the line so they could listen as I was able to confirm that my account with them was clear. I have a gift card on file with XXXX and I am unable to recover my funds. This is unfair since I am unable to use my account for orders. I have made several calls to all agencies involved to reactivate my account. I need help resolving this matter because each agency keeps pushing me off to another agency and no of them are trying to help resolve the issue.
10/03/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA 92116	Web	Servicemember
I asked why they were charging me for the transactions and requested a refund. The company known as Fiserv uses XXXX XXXX XXXX XXXX They charged me maintenance fees but also charged me PCI compliance fees just for using their platform. At minimum, the PCI compliance should be on the merchant, but somehow it was on me to pay these fees and ensure compliance. The original company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Clover Connect XXXX XXXX as a merchant to process transactions. They charged me since XX/XX/ just by having an open account. XXXX also did not assign an account manager or help with sales as they promised at the beginning of the contract. Perhaps, sales would have offset the fees from XXXX. is not like XXXX, XXXX, XXXX, or many others that do not charge a fee UNLESS a transaction is executed. All in all, they charged over {$600.00} fees without any transactions or sales on my account. Some of these charges were blinding and caused overdraft fees on my Business Checking Account. I added screenshots of what occurred and some correspondence between me and the company. The Merchant account XXXX is XXXX and XXXX XXXX is XXXX XXXX XXXX through XXXX which is a part of Clover Connect and Fiserv.
10/26/2022	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	TN 37167	Web
I was working for a temp to hire company that paid me through the MoneyNetwork debit card. I had lost my debit card and reported it to MoneyNetwork. I was told they couldn't issue me a replacement card or transfer the money to another account but they could send me a check. I had moved onto a houseboat in a marina with no mailboxes except the marina 's business mailbox. I have a po box and they informed me they couldn't send the check to a po box . I used a friend 's address and waited. Nothing. After multiple attempts to contact MoneyNetwork I wasn't getting any results. Called customer service and still nothing. I finally came across a number and website for you. I wasn't sure who or how to contact anyone prior. After calling the phone number a woman directed me on what to do. About 2 weeks after calling MoneyNetwork customer service sent me an email stating they had sent the check in XX/XX/2022. I replied that I never received the check and asked what address they used and if the check had been cashed. No reply. After a few more attempts to contact still nothing. That brings me here today. It has been over 18 months and I really need my money. Thank you for your help resolving this matter. XXXX XXXX
06/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD XXXXX	Web
I was thinking about creating a XXXX XXXX, a little flower shop. Due to the coronavirus, it was never physically or online open. Although I had developed my website, I decided to put everything on wait until after the coronavirus. After a few months, I decided to deactivate my website. I don't even own a credit card reader. In addition, I did not sign any contract with these individuals. These XXXX XXXX employees managed to obtain some of my business information as well as my personal information in some way. Because I had never signed up for any such company, I never received any correspondence from them. Naturally, I assumed that the issue had been resolved because I had contacted several times to resolve the issue and had emailed the company. I received a notice stating that I owe {$630.00} to the company. I decided to report them since one transaction fee letter seemed quite suspicious. One transaction charge letter I received stated that a customer will be refunded {>= XXXX} and that I would be responsible for the remaining {$630.00}. How is that possible when I have never authorized a merchant account and have never signed a contract? someone claiming to be from the XXXX XXXX Something isn't right!!
09/28/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	GA 31206	Web
I am deeply frustrated and appalled by the lackluster response from Money Network regarding unauthorized charges on my account, which I firmly believe to be a result of identity theft. I approached them in good faith, expecting a comprehensive investigation into my dispute, yet they summarily denied my claim without apparent due diligence. This dismissive approach not only challenges my trust in Money Network as a financial institution but also raises serious concerns about their commitment to safeguarding consumers against identity theft and fraud. I turned to the CFPB with the hope of finding justice and redress, and I implore you to intervene and ensure that Money Network is held accountable for its negligence and irresponsibility. The following are charges I do not recognize and were unathorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a VICTIM of identity theft and every single charge mentioned was unauthorized, fraudulent, and carried out by someone impersonating me without my knowledge or consent.
04/28/2021	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	CA 94585	Web
My stimulus card was stolen. I filed a police report. I viewed a picture of the woman who completed the transaction I did not know her. I filed a dispute with eipcard/money network. They declined my dispute before I even submitted the forms. I submitted an appeal as advised. I called multiple times. I would get transferred, hung up on left on hold. Everyone would give me different answers to my questions. Nobody would give me information on their company so I could go up the chain of command. I requested multiple times why my dispute was declined. I spoke with someone yesterday and found out my appeal was declined but no one will explain why. I cant speak to that department. I cant speak to anyone who can help. Someone used my card on XX/XX/XXXX. I filled a police report my card number is XXXX XXXX XXXX XXXX. I Spoke to officer XXXX at the XXXX XXXX Police department at XXXX XX/XX/21. Case # XXXX dispatch number XXXX. I have tried and tried to resolve this issue. I am a victim of theft and this company refuses to do anything to resolve the issue. They have been extremely difficult to work with and impossible to get anyone helpful to fix this issue. Please please please help me resolve this issue.
04/23/2021	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	FL 34209	Web
We are a small Girl Scout Council in XXXX, XXXX Our credit card processing company recently changed from XXXX XXXX FiServ ( XXXX mandate ). That happen about mid XXXX. Ever sense that time frame FiServ has depositing our funds for council service fees into our main checking account then taking it back out the same day or the day after. Leave us with {$0.00} per {$7.00} transaction. Our AP person finally noticed the issue in XXXX. I contacted our FiServ contact manager about the issue both in email for in voice mail weekly and never received a response. I finally manage to catch him on the phone mid XXXX. He did some research and said we had to fill out a different form. That the info we had submitted was incorrect and their credit dept had put a block on our account. We submitted the requested info. 3 more weeks went by and the issue kept happening. I contact our support person at FiServ again and he spoke with his credit dept and they claimed that things were just taking longer than normal. It has now been 5 weeks since we submitted the change form. The issue is still happening. Nothing makes a difference. I have made a complaint to XXXX as well and they too never respond or deal with the issue.
05/24/2022	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 90602	Web
On XX/XX/XXXX I discovered that there was Unauthorized charges done on my debit card and with drawls that were done, that I had not taken out. On line XXXX purchases in the amounts of {$31.00} that were made on XXXX/XXXX and lots more that were charged on my debit card. XXXX for the amount of {$200.00}. And more from there that I did not make. ATM withdrawals from XXXX in the amount of {$400.00} at a time that I did not make, on XX/XX/XXXX. And alot more of those that I did not make. I need help getting my money back. I filed a dispute on XX/XX/XXXX. However XXXX XXXX refuse to help do proper investigation. They said they denied my case because of PIN number being known. XXXX pills the dispute case and they still continue to deny, my case because whoever had all my information including my pin. I asked if I can see pictures of person who Withdraw money from ATM, but they refused to give me those pictures and just deny my case. Ive also given proof of me working my schedule And ask them if they could see if the transactions were made during some of the times that I was working to prove that I can be at two places at XXXX time they still denied my case. They want me to Re-appeal the case again.
06/06/2022	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	OK 74008	Web	Servicemember
IRS uses this company for EIP. I didn't get my EIP. IRS form shows a adjustment due to them sending the EIP through this garbage company in a visa card. Tried to call XXXX and this phone number WILL NOT allow me to get to a human and just hangs up. Entered my zip and social on the lost card section and it just hangs up on my. No other way to contact this company. Called the company through a different line and got XXXX ID : XXXX and she was totally useless for help. Refused to get me to a supervisor and refused to help. Only gave me the same phone number I couldn't use. Is this how we take care of our veterans. I served my country and now I'm getting shafted by the IRS and this joke Money Market. Next step if the IRS doesn't start answering their phones or this company doesn't resolve this will be 1 ) the news, 2 ) XXXX, 3 ) attorney. You decide if you want to make this easier or not. Many of us work our XXXX off to pay taxes and this is how we are treated. I'm sure this company will send their blanket useless response they have already in template form. Only solution I want is a phone number to a direct human that can answer my questions so I can get my card the IRS OWES ME!
05/06/2020	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Problem adding money	GA 314XX	Web
We are an XXXX XXXX XXXX which has XXXX and does its XXXX in usa. We started processing our Cerdit Cards with a company called First Data or account number is ... XXXX or Company name is XXXX XXXXXXXX XXXX XXXX XXXX This company allowed use to process over {$6000.00} usd almost two weeks ago, and then never deposited it into our account. We recieved a letter stating when we open this account with XXXX XXXX that she filled the forms out wrong and show we only do tickets up to {$500.00} and {$4000.00} per month max CC processing but our bikes range from {$2500.00} to {$5000.00} and we are doing {$60000.00} or more a month. Now since they are holding all this money and will not respond and the risk management will not answer our calls or their own company calls we can't even refund our buyers and charge with a different processor. We have already shipped these bikes out to the buyers, so now because of this processor First Data, we can't buy new product, we can't pay our employees and they are trying to put us out of business. Please if you could do anything you can to help this get resolved and please make sure all other companies know how poor this company is to work with.
05/27/2020	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Problem using the card to withdraw money from an ATM	MD 21701	Web
I received my stimulus money in form of a Debit card from Money Network Cardholder Services on XX/XX/2020. I tried to call their Customer Service number XXXX. I wanted to speak to a customer service person, but was not able to do it. The machine said that you can reach customer service, main menu or to activate your card by pressing " XXXX ''. I did, but was never able to reach the main menu or customer service. I was forced to enter my card number, 6 digits of my Soc. Sec. and had to select a pin to get on with the system. If I did not do it, I was disconnected. After activating my card I was not able to do anything else and was disconnected again. I wanted to transfer the money into my checking account, but to do this I had to have a computer and sign in to the Money Network Cardholder Service. They are not the government and I have no idea what they will do with my information I had to give them. I am retired and receive Social Security. I have my Social Security directly deposited into my bank account. Why has the government created this obstacle for us retired people when we were promised to receive the stimulus money through directly deposit into our bank accounts?
07/20/2023	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	AZ 863XX	Web	Older American
California issued me a debit card for a tax refund. I have tried to initiate a transfer to my bank account over several days and multiple times. The website is BOGUS. I have tried 4 different browsers and unexpected problems occurred in each attempt. Primarily the " system '' seems to object to the amount of the transfer after I have tried to adjust it to less than the balance to cover any fees even though they state there is no fee for online bank transfers and even though the website acknowledges I have a balance of XXXX. I tried every amount to XXXX. I just got work my wife was allowed to get XXXX at the ATM with fees (? ) - NO DOUBT! My wife is now driving a XXXX mile round trip to a ATM for Money Network. I believe the reason for the BOGUS website is because they want to cause a fee to charged at the ATM. I don't care about the fee. I OBJECT strenuously to the BOGUS web site. Not only did they harvest my banking information, they FAILED to perform a task which happens millions of times a day. That is, a simple bank to bank transfer. I believe the bank should be sanctioned for their deliberate poor performance. Thank you for your attention to this matter.
12/11/2021	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	WA 98002	Web
The Economic Impact Payment Card Issued by Money Network, XXXX, was stolen in U.S. mail on or before XXXX/XXXX/2021. I was unaware whether i get the card or check s I inquired IRS. I received the letter from IRS about XXXX/XXXX/2021 and i found out im getting the card. So, i requested the replacement card same day. Then I got the replacement card on XX/XX//2021 and found out card was emptied and had only {$1.00} left. The card was spent by suspect at XXXX store mostly the amount of more than {$2300.00} in 2-3 days, The police report was filed on XX/XX//2021 and the report was approved on XXXX/2021.The investigation was initiated by the police and I have talked to the private investigator. They looked at the security camera at the sotre but they couldn't identify the suspect. I filled the complaint to the card issuing company on XXXX/XXXX/2021 and I sent the police report and explained everything about what happened. but they denied my complain and didn't explain why my claim was denied. I filed the appeal for the denial on XXXX but after 6 months they haven't processed my appeal. I also refiled the appeal again on XXXX/XXXX/2021 but I got no response from them
09/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MN 554XX	Web
I have been contacted by mail by TRS Recovery Services alleging that I owe for purchases made at Home Depot. XX/XX/XXXX XXXX, MN XXXX XXXX for {$660.00} XX/XX/XXXX XXXX XXXX XXXX XXXX for {$530.00} XX/XX/XXXX XXXX XXXX, MN XXXX XXXX for {$1200.00} All alleged to be in the form of a check ( s ) converted to electronic funds transfer by the merchant with authorization. Whatever that means. I called XXXX XXXX corporate and they have no record of myself writing a check, having a XXXX XXXX credit card, having any large purchases or outstanding debt ( s ) with them in any form. Calling TRS Recovery Services just leads you to voice prompts that divert you to their website where, to dispute a debt, you must provide your Driver License #, Social Security #, address, bank acount # and routing #. I then made a police report - # XXXX with XXXX Police Dept., I have also filed a consumer complaint and action form with MN attorney generals ' office. Furthermore an internet search reveals multiple accounts of false debt collection attempts by TRS Recovery Services in the guise of purchases made at XXXX XXXX and many other businesses - submitted by normal consumers like myself.
10/26/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	NY 100XX	Web
Let 's go over the reasons Clover in our legal opinion is shady, bizarre and a terrible credit card merchant service : ( 1 ) if and when you receive a " Dispute '' and try to login to their server to respond, you will be told by their system to " enable cookies '' even when your cookies are " enabled '' in my case using XXXX XXXX which 99 % of humanity uses, otherwise they " can't help you '' and keep you on hold for 30 minutes or more, transferring you all over the place to different clueless, non-technical people who don't speak English as a first language each of them making you " verify '' yourself through painful, multi-tier questions/answers more akin to XXXX XXXX than a credit card merchant service; ( 2 ) these people keep telling you to switch to a different browser " XXXX XXXX '' which is truly bizarre ( and definitely sounds immoral/illegal ) to force their customers to download/switch to a different browser in order to keep our duly earned money ; ( 3 ) when you search for their address online it is virtually impossible - the address we have provided herein the XXXX complaint is a guessing game, at that. Please urgently investigate and advise.
03/28/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	FL 33314	Web
On XX/XX/2023, Clover Merchant Services, processed a credit-card payment in the amount of {$3900.00} in behalf of my business. The client was verified by Visa and the charges approved. Clover Merchant Services, refused to release the funds to my business for over 10 business days. The client could not wait any more for his product, so he demanded a full cancelation and refund to be applied to the same card. I have requested such refund from Clover and canceled the invoice. XXXX XXXX from Clover Corporate contacted me about the dispute and told me Clover was going to hold funds from my client up to 90 days for no reason, this could be considered in most instances theft, there is no reason why my client ( the victim here ) should not get his money back, no goods were delivered, and no money was ever deposited into my account by Clover. XXXX 's attitude, rudeness, discourtesy, and lack of empathy, reflect the true predatory nature of Clover 's corporate. She did nothing to help and it seem she enjoyed putting my client and my business in a dire situation. I would never do business with a company like this again. Stay far away from Clover Merchant Services.
04/16/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33181	Web
Based on the process of elimination and making connections between previously submitted reports to the Consumer Financial Protection Bureau, Federal Trade Commission, Federal Reserve XXXX Department of Homeland Security, Immigration and Customs Enforcement, Federal Bureau of Investigations , Central Intelligence Agency, Equal Employment Opportunity Commission, Office of Special Counsel, Attorney Generals, Department of Health and more, Fiserv is suspected of engaging in severe prohibited business practices. During on-going investigations I was met with what appeared to be severe and unrelenting interference from unconfirmed and unidentified sources that repeatedly compromised my safety and security. Based on claims submitted and the documents reviewed, I believe Fiserv is involved and has been monitoring me without my authorization and consent. XXXX search results yield XXXX XXXX an alleged client Project Manager for Fiserv. A person with this same name claimed to be a XXXX claims representative subsequent to a XXXX XXXX accident. Is the XXXX Claims Representative XXXX XXXX the same person that serves as a Client Project Manager for Fiserv?
10/26/2020	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble using the card to spend money in a store or online	FL 32955	Web
XX/XX/2020 - Went to the XXXX gas station to get gas for my car. Went inside to use the card as a debit for {$10.00} worth of gas. Went back outside, pumped the gas and left. Checked my card and saw that the balance said XXXX. See attached pictures where I was paid yesterday, XX/XX/2020, {$100.00} and the only purchase I made was the {$10.00} gas purchase. I called Customer Service and explained to them what had just happened and I was told that I needed to use the card as a debit purchase. I informed the Rep that that's exactly what I had done and she repeated herself with " you need to use the card as a debit purchase '', so, I repeated myself and told her that that was what I'd done. After that exchange, she told me that it would take 7 days for the money to go back to my account. Question - why does it take 7 days for an electronic transaction to take place? I submit this complaint so quickly because this is not my first negative encounter with Money Network. I have another complaint logged against them and I don't want this one to drag out the way I allowed the other one to drag out for 2 months before I submitted a complaint.
06/04/2020	Yes	Credit card or prepaid card Government benefit card	Unexpected or other fees	PA 15601	Web
Stimulus debit card. WHY did the government do the debit card? How much is this costing to use this service? WHY do I have to pay to get my money from this card? WHY do other people get a check? This is not constitutional we are not being treated equal. I'm going to pay {$10.00} to get cash. I will have to make 3 trips to the bank because you can only take out {$1000.00} out at a time and since they were stupid enough to put my husbands name on he has to go to the bank 3 times with me to do anything with this XXXX card. I get social security and so does my husband why did we NOT get a CHECK. ( direct deposited ) They said we would receive a check, whey in midstream do they change to cards? I want to go to the bank and get my money, just like the people that got checks. I don't want rules and hoops to jump threw to receive my money on their terms. WHO is related to someone at this business? Who is benefiting from this transaction at the other end of my information that they have released to them. I never gave permission to them to give out my information. They think this is safer, are they crazy now someone else has our information. HACK!
10/14/2020	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble using the card to spend money in a store or online	NY 10016	Web	Older American
I am trying to unsuccessfully activate the XXXX issued by Money Network XXXX XXXX, XXXX XXXX Connector XXXX, Mail Stop XXXX, XXXX, GA XXXX. I have lost my hearing so calling XXXX was a problem so I tried the XXXX TTY number multiple times and each time it hung up after 1 min and 43 sec. I sent a letter to the above address, but it was returned as undeliverable. I sent an Email to FISERV who owns the Money Network and they said it was not their problem and to contact the above address. I also sent a letter to the Money Network XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX, but I got no response at all. All I want to do is activate the XXXX # XXXX XXXX XXXX XXXX and transfer the {$1200.00} to my XXXX Checking Account. I created and account on XXXXXXXX, but the Website has no way to activate the card account. I just want the {$1200.00} since I am living on Social Security XXXX due to a XXXX XXXX so I have no immunity to anything so Covid 19 without hearing is a real problem for me. A actual chek would be fine. Thank you for any help you can provide so i can get my money. XXXX and the Money Network is not very good with people with XXXX.
06/01/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	ID 83686	Web	Older American, Servicemember
XX/XX/2022 : Discovered unauthorized attempt on husband and wife 's bank accounts to extract {$1700.00}. XX/XX/2022 : Met with banker re : unauthorized attempt ; she froze both accounts and opened 2 new accounts, transferring all current activity to the new accounts. XX/XX/2022 : Received letter dated XX/XX/2022 from TRS Recovery Services stating husband owed {$1700.00} to their client XXXX XXXX. Advised to either respond and dispute debt within 30 days or pay it. XX/XX/2022 : Composed statement for filing Police Report that we dispute this charge. XX/XX/2022 : Filed Police Report for fraud against TRS Recovery Services for unauthorized attempt to withdraw {$1700.00} from 2 bank accounts. XX/XX/2022 : Composed Response Letter to TRS Recovery Services, disputing the debt and mailed it with copies of Police Statement, Police Report, and dispute box checked on original letter from TRS Recovery Services. XX/XX/2022 : Received Second Notice dated XX/XX/2022, from TRS Recovery Services, still demanding payment AND now advising husband has been reported to XXXX XXXX, XXXX and will remain in their database until the {$1700.00} is paid.
04/19/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	KS 66604	Web
I received collection letters from TRS recovery services dated XX/XX/2023 on XX/XX/2023. Their letters stated that I had until XX/XX/ 2023 to dispute the debt or it would be considered valid. Their letters also state that you can dispute a debt or request verification of debt by submitting a request on their website. I made attempts to submit the form on their site multiple times to dispute the debt and request verification. However, their web form does not work and always comes back with an error. On XX/XX/ 2023 I completed a paper dispute form from their website and requested they provide proof of the debts they said I owe and faxed it to the number provided on their form. I have yet to receive any verification of debt from them. On XX/XX/2023 I received letters dated XX/XX/2023 attempting to collect on these debts even though I had submitted a dispute and the FDCPA requires a Debt Collector to cease collection of debts until it provides required verification. TRS recovery services has violated my rights under the FDCPA by not providing required verification and by continuing to collect debts when a dispute has been submitted.
09/26/2020	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble getting information about the card	DC 200XX	Web
I received an Economic Impact Payment VISA Debit card in late spring or early summer 2020. I called the number on the card and activated it. I believe I was able to log on to the website at XXXX and check the balance, which was {$1200.00}, to the best of my recollection. I have not used the card yet. I tried to check the balance today on the website and the response page was blank. I called the number on the card, XXXX, and the automated system did not recognize my PIN. I called the number several times more to try to reset my PIN but the automated system either ended the call or continued to ask for a PIN. I am hesitant to use the card for fear the transaction will be rejected because my PIN won't be recognized. I fear I will never be able to access the economic impact payment to which I am entitled. There is no information on the eipcard.com site about where else to turn for assistance with EIP card issues, it only refers back to the malfunctioning eipcard.com site and XXXX automated phone system. XXXX or Money Network or XXXX need to provide reliable customer service, especially when fulfilling XXXX Government benefits.
12/22/2022	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	CA 92253	Web	Older American
I received a California Middle-Class Tax Refund Visa Debit Card from XXXX XXXX XXXX XXXX a service of XXXX XXXX XXXXXXXX XXXX for {$1000.00} and managed by Money Network . I activated the card 10 days ago and created an online account with the Money Network. They requested the last 6 numbers of my social security to create the account. That was already weird. I waited 4 days for a balance transfer to my XXXXXXXX XXXX account. When I logged back to Money Network the balance was ZERO dollars because the card had been used five times at XXXX store in XXXX, CA on XX/XX/XXXX in the afternoon. I called the number on the back of the card and the representative told me they could not do anything about it and were taking notes of my issue and they did not know when this will be resolved. I also called the California FranchiseTax Board which has an arrangement with these fraudulent companies and every time you selected money network you will be directed to Money Network to tell you the same thing : " they can not do anything about it '' I need to get that relief money back into my account to use it as it was meant to be : a relief.
08/28/2021	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	CA 95823	Web
From- XXXX XXXX XXXX , for Dispute Case # XXXX XXXX XXXX ( Money Network ) Thank You in advance for help. I received a EIP Stimulus payment of XXXX on a Visa. Went shopping and could not locate card. Gave it a day to see if card by chance turned up. Still no card. So I immediately called XXXX XXXX Customer Service and reported card lost. Also asked for a duplicate at this same time. 9 days later received card and checked balance. Very bad news/only XXXX Someone got a hold of my card and fraudulently charged XXXX at various stores. I never gave permission to anyone at anytime for card use. I immediately called XXXX and reported now stolen of course. Also made Police Report same day. I've done everything by the book meaning all time restraints given as well constant contact. They have by accident or maliciously given me wrong application info, etc. so as to create a better outcome for them. I am XXXX on very little income and have already spent roughly {$50.00} on mailings and Faxes dealing with them. Please help me, Respectfully Submitted, XXXX XXXX XXXX * Feel free to call anytime if needed for questions ( XXXX ) -XXXX
02/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 37211	Web
I received a random message from a suspicious email on XXXX XXXX, 2022 called XXXX, claiming that XXXX uses XXXX TRS Recovery Services '' to process customer payments. This email claimed that XXXX was unable to process a transaction without naming what the transaction was, and that I owed money to Amazon. I then received at least 2-3 letters from this TRS Recovery services XXXX claiming that I owed money to XXXX. I ignored the first letter, but they sent me another letter telling me that I need to write or call them to dispute the debt, although they were asking me for all of my personal information ( bank account numbers, etc. ) on their dispute form. I of course did not give them any of this information, and I reached out to XXXX on XXXX XXXX, 2022 to ask them about this company. The representative that I spoke to via chat confirmed to me that I do not owe any money to XXXX, that they would contact anyone directly for billing issues, and that they wouldn't go through a XXXX party company to contact customers about billing or debts. This company keeps sending me letters and falsely claiming that I owe money to XXXX.
01/04/2023	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	CA 90031	Web
XXXX XXXX, known as the California state 's Middle-Class Tax Refund. Issued by XXXX XXXX XXXX XXXX, XXXX Money Network. My complaint is against XXXX XXXX XXXXXXXX XXXX XXXX XXXX and Money Network. In California millions of California residents including me received a debit card from XXXX through Money Network. I am afraid to activate the card because many CA residents complaining, and it is in the news all over in California. Ch. XXXX XXXX. XXXX that when they activate the card there is no money on it. Another issue is for me and many California residents is privacy concerns. There is also the issue that you can't contact neither the Bank or the Money Network and speak to a live person to replace the debit card to a check. I tried to contact Money Network on the telephone on both numbers they provide on Money Network Website # XXXX and telephone # XXXX unfortunately no customer service. It is impossible to speak to a live person. Could the XXXX XXXX XXXX find out what are they hiding and why so many people after activating the debit cards find that there is no money on the debit card issued by Money Network?
12/31/2020	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	CT 06489	Web
On, XX/XX/2020, my Economic Impact Payment Card was stolen at the XXXX parking lot in XXXX, CT. My wife 's purse was stolen approximately XXXX from the shopping cart. XXXX Police was called and a police report was issued. It looks like the thief used the card after XX/XX/2020 and made several unauthorized transactions ( 27 disputed ). I notified Money Network ( A First Data Company ) on XX/XX/2020 that the card was stolen on XX/XX/2020 and all future transactions ( 27 disputed ) was unauthorized. There was also a return made on XX/XX/2020 but I have no idea by who. Money Network 's responded on XX/XX/2020. I called them several times. I spoke with XXXX twice and she said don't worry we will review all disputed transactions despite the notices only listed 7 disputes. Later, Money Network responded on XX/XX/2020 that the dispute was considered closed since a return of {$47.00} was made on XX/XX/2020. I did not make this return on XX/XX/2020 since the card was stolen on XX/XX/2020 at XXXX. I don't understand Money Network 's position. The card was stolen and a police report was issued. Please assist me.
03/04/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Wrong amount charged or received	SC 295XX	Web
I was using clover XXXX XXXX for both of my XXXX, note I have been using this service since XX/XX/2020. The week of XXXX XXXX, I XXXX many vehicles due to tax refunds dropping and I used my clover flex machine to process these transactions, all approved! Immediately, the credit risk department raised red flags and held my funds. The total amount was {$22000.00}. They only gave me a partial of my funds in the amount of {$10000.00}, and continued taking fees out of my account. They rejected {$5500.00} without even notifying me to let me know. All of my XXXX have their XXXX, and I have not even half the money. They asked me 100 questions, made me send XXXX XXXX XXXX ( XXXX ), 3 months of bank statements ( which made NO sense ) and told me my funds were to be released within 24-48 hours. I keep getting the runaround. They are now saying they refunded my XXXX of {$3500.00}, which has not even been processed, and NOW saying they are holding on to the rest of my funds and terminating my account. I have XXXX kids and trying to make an honest living out of what I have, how is this legal? I need to know my options.
09/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34743	Web
This letter is to notify the management named as Telecheck that your company placed and unauthorized inquiry on my credit report on XX/XX/XXXX from : XXXX XXXX XXXX XXXX. I demand under FCRA : Section 604 : 1. Permissible Purpose. 2. My original written authorization ( not a copy ). 3. Proof of signature that I personally initiated this inquiry. Either provide me strict proof or DELETE the item immediately. If you do not delete this info within15 days I will take legal action. Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter. If you ignore this letter and do not delete the info or dont provide STRICT proof of authorization I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. You do not have permission to have or make any consumer account with any of my info such as Name, Phone, Email, Social Security, Passport, Drivers License, ID numbers, Address, Date of Birth * Permanently Delete my consumer account from your database and prevent
08/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	WI 53210	Web
I recently went to the grocery store ( XX/XX/2020 ) and was checking out and wrote a check for {$85.00}. My check was denied by TeleCheck as being high risk. I was given a receipt with a code and a phone number to contact them about this. Luckily, I had a credit card on me so that I could purchase my groceries. I called TeleCheck XX/XX/2020 and after being looped around with a lot of recordings, I finally got a hold of a person who finally told me that because I hadn't written any checks to this business before, I was considered high risk. That it actually had nothing to do with my credit or my account, but that I hadn't written any checks to this merchant before! I have never heard of such a ridiculous excuse before!! Since moving back to XXXX, TeleCheck has denied me on 3 separate occasions!! THREE! All for the same reasons. I have excellent credit. My accounts all have money in them. I am gainfully employed and have been working in the same industry for nearly 35 years, but because I haven't written a check to these merchants, I'm considered RISKY?? This is ridiculous and should be looked into.
07/28/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 92106	Web
TRS Recovery Service sent me a letter asserting they were collecting on a debt which they assert is mine, regarding a stopped payment at a Wal-mart I have never been to. TRS has a track record of falsely associating 3rd party debts with victims of their deceptive business practices and intentionally making dispute/validation process difficult/impossible, while making payment easy, in order to convince victims of their practices to just pay and move on instead of invalidating. I phoned the organization when I received the debt collection notice and requested supervisors, and requested to be transferred to their compliance department, which they stated they would not do for me ( because of internal policy they were unwilling to transfer me to their compliance department ). In both cases I stated I was pursuing invalidation of the debt and was not satisfied without being transferred to the compliance department, and that I did not intend to terminate the call until they transferred me, but in both cases they ultimately terminated the call against my wishes while I was pursuing validation of the debt.
05/29/2020	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Problem with direct deposit	OK 73013	Web
Hello, I am having issues with my EIP prepaid debit card issued by XXXX XXXX/Money Network for my COVID stimulus payment. I am attempting to transfer my money from the card to my checking account. I started a transfer ( {$1000.00} ) using the My MN app on XX/XX/20. All information that I can find through XXXX XXXXMoney Network says that transfers should be complete in 2-3 business days. My transfer has yet to show up in my checking account, even as a pending transaction ( as of XX/XX/20 ). I have attempted to contact XXXX XXXXMoney Network to check the status of my transfer and to see if their were any issues that I needed to correct on my end through their customer service line ( XXXX ). This line is the only means of contacting XXXX XXXX/Money Network that is available on their website and the EIP card website. Even though I have called the customer service line several times, I have yet to talk to an actual customer representative and have found XXXX XXXXMoney Network 's customer service system to be completely automated. I have not found a way to address my issue through their automated system.
04/20/2020	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	SC 29577	Web
On XX/XX/2020, I called Money Network 's customer service phone number to make a request to close my account and be mailed the remaining balance in the form of a check. I submitted the requested information to the email address the customer service representative gave me ( XXXX ) and was told I would receive the check in the mail in 7-10 business days. Today is XX/XX/2020 and I never received anything in the mail from the company so I called the customer service number for an update and the representative I spoke with said they have no record of my sent email from XX/XX/XXXX. So I confirmed the email address was correct and resent the email three times while on the phone with the representative, in which they said they were unable to see it being sent in and had no further able to help me close my account and retrieve my money. They have frozen my access to the funds in the account and are have been charging a {$5.00} maintenance fee per month towards the money in my account. I simply want to close the account and be issued my money that is left in the account and they are not helping me do that.
03/03/2021	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	DC 20019	Web
I contacted Telecheck on XX/XX/XXXX, regarding a check that was returned to XXXX XXXX XXXX Books. I was told the amount, however, I lost the name of the credit agency that now has the returned check. That check was written in XXXX. I called back on XX/XX/XXXX, and the representative told me she did not have a file for me with XXXX XXXX XXXX. She did say that she had a file from XXXX for four items. XXXX does not take checks. XXXX made an error in an order I placed and they never DELIVERED the items. The items are {$19.00}, {$15.00}, {$8.00} and {$10.00}. They have attached a fee of {$100.00} to the bill. This is {$25.00} per check. I spoke with XXXX and they said that I did not receive any goods from them and they do not accept checks. My checking account number has been removed from my XXXX account profile. I have no idea why it was there if they do not accept checks. Telecheck told me to call XXXX and I have contacted both with no resolution to my issue. This is compromising my ability to open a bank account as well as use a merchant debit card-such as XXXX etc. I need your assistance.
01/08/2023	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	FL 322XX	Web	Servicemember
Over 4 months ago there was a transaction done through XXXX using the prepaid card I have through my job for the merchant XXXX in the amount of {$99.00}. That same night I canceled my subscription with XXXX and they issued a refund to prepaid card ending in XXXX through paypal for the canceled services. I was told to wait 30 days for the refund to hit my money network account. I still have not received it. I called XXXX to see what was going on and they not only provided documentation showing the funds were refunded to my bank, but they also sent me a timeline sheet showing when it was sent to the prepaid card provider ( Money Network ). I called money network to file a dispute for the refund because it did not go into my money network prepaid card. After Money Network claimed to investigate the claim, they denied it saying XXXX refunded it to my XXXX account which is not true, especially because of the documentation XXXX provided. Money network refuses to help with this situation and has my {$99.00} just sitting in one of their accounts somewhere. I need my money back asap. It belongs to me.
09/30/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	CA 91324	Web
On XXXX our business processed a credit card transaction in the amount of {$29000.00} for flooring laminate. Transactions normally gets deposited into our business account within 2 business days. We processed this transaction XXXX contact chip which is clearly in the guidelines described as a protected means of processing XXXX XXXX we received a call from the First Data Risk Department after asking a few questions and them requesting bank financials as well as invoices for this transaction and after review we were instructed that the funds would be released.On XXXX we received yet another call from the risk department stating that they did not feel comfortable with the transaction and they were asking us to refund us.We Cleary stipulated that the sale was done and the merchandise was picked up by customer.We have used First Data for over 3 years and we have done hundreds of transactions this is a very unprofessional manner in which they are conducting business.We will not process a refund and we reserve our rights for further litigation if these funds are not credited to our bank account.
09/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75052	Web
A person stole my identity and used the Tele-Check services inside a Casino to withdraw {$980.00} from my Checking Account with XXXX XXXX XXXX However, due to suspicious several withdrawal attempts by the person that stole my ID, the bank had notified me to verify if that was me. Since I didn't know any of these transactions, the bank has stopped all of payment and advised me to close that account and reopen it with a new account with the XXXX XXXX. At the end of XX/XX/2022, I received a Debt Collection letter from TRS Recovery Services XXXX Inc. indicated that I owed {$980.00} and I responded to it a Letter explained that I never went to a Casino or used any Tele-Check services inside a Casino. In the Letter, I told them that Casino has ton of cameras that recorded every moment or services. They can pull out the video at the time of the Tele-Check cashing at their Cash Cage, then they will have the picture of that person that stole my Identity. On XX/XX/2022, I received a Letter from TRS advices me to file this report and provide all the information necessary for them to investigate.
03/05/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	IL 60641	Web
On XX/XX/2022, I electronically sent {$470.00} from my XXXX account to my student loan provider, XXXX. XXXX sent confirmation that the transfer was processed and gave me a confirmation number. However, when I called XXXX, they never received the money. At first, I thought I entered incorrect account information. However, according to XXXX and XXXX, the information was entered correctly. During the process, I find out from XXXX that they go through a third party for electronically processing. The name of the company is XXXX XXXX, which is part of Fiserv. XXXX supposedly contacted Fiserv to inquire about my XX/XX/XXXX payment several days ago. However, I was told by XXXX that Fiserv will not cooperate. I contacted Fiserv but I was disconnected. Frankly, I do not know what to do next because it is XX/XX/XXXX, and I am worried that they are collecting interest on my money and using that for profits. I know the interest on {$470.00} is not a lot however if this is being done to other thousands of customers, then the money adds up quickly. Please contact me as soon as possible. Thank you
03/16/2023	Yes	Credit card or prepaid card Government benefit card	Unexpected or other fees	CA XXXXX	Web	Servicemember
I have tried multiple times to withdraw money from the Money Network card that was issued by XXXX XXXX XXXX XXXX Money Network Financial , LLC. On or about XX/XX/2023, I activated the prepaid debit card I received as part of the California Middle Class Tax Refund. Every day since XX/XX/2023 I have tried withdrawing money from multiple ATMs using the correct PIN but the account shows a {$0.00} balance even though when I log on to the XXXX XXXX XXXX XXXX Money Network Financial , LLC 's website https : //mbd.everywherepaycard.com/ My balance is still {$1000.00}. I have attempted to transfer those funds to my personal checking account but the system keeps giving me an error. Anytime I call the Customer Service line at XXXX and at XXXX, I am told that they are not allowed to assist with the issues because their employer, XXXX XXXX XXXX XXXX Money Network Financial , LLC, is instructing the very small customer service team to hang up on all the callers calling in about their tax refund balance so that the bank can keep the funds longer. This is illegal and needs to be investigated.
04/22/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75063	Web
I reached out to XXXX XXXX about a bank fee. They stopped responding and continued charging me and eventually closed the account and reported it to a debt collector, TRS Recovery. XXXX 's response to the CFPB contained inaccurate information and didn't answer my questions about the fees. Their response encouraged me to reach out to them directly. I did, and to this day, I haven't received a response from them. I filed a dispute with TRS, the collection agency that they sent my account to. XXXX only sent them my bank statements and didn't address the disputed amount. I spoke to XXXX in the customer service department at TRS. She told me that I would have to contact the bank directly. This isn't the way to handle debt collection. This wouldn't have gone into a collection status if XXXX had actually answered my question about whether I could close the account online after bringing the balance to a positive status. I've reached out to XXXX numerous times about this and when they do respond to other parties, they provide misleading information, and they don't respond directly to me.
10/05/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	CA 925XX	Web
This is the third complaint I have filed with this company and they refuse to give me the stimulus money that was awarded to me and my family. I have done what I needed to do and updated my address with the post office. When I called the post office to confirm they stated that they have my address change form and it was processed. They also mentioned that certain mail needs to have permission from the sender in order for it to be forwarded. Has moneymart done that? What they are doing is unfair, the money was clearly given to me because I am someone who is in the low income bracket and for this money to not be given to me is causing financial difficulties. The last response they gave me was that I would have my EIP card by XX/XX/XXXX and that never happened. If this does not get resolved I will take legal action. They should not be given a huge responsibility if they can not serve the public in a proper manner. Also the number provided last time does not give the option to speak with an agent. In order to do so you are required to enter the card number who check I do not have.
05/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	RI 02816	Web
On XX/XX/2021 my banking account was compromised. The hacker had taken all of the money in our savings account and transferred it to our checking in hopes of being able to use it. Fortunately, I noticed the transaction on Sunday, XX/XX/XXXX. I called the bank immediately and they transferred my funds back to savings and put a hold on my accounts. The hacker had already tried placing an electronic transfer to the company called XXXX XXXX on XX/XX/XXXX but because it was the weekend, it didnt attempt to clear until Monday, XX/XX/XXXX. The transfer had been declined because I had XXXX XXXX put a hold on all of my accounts. Now I have a company called TRS services contacting me about a debt that I owe to XXXX XXXX. I will attach all three letters I have recieved. I dont have an account with XXXX XXXX and I tried to contact them and ask them to clarify that but they were no help. They dont even have a contact number to speak with someone over the phone. I really have no idea how the business works. I dont owe the company anything. My bank account was used by another person.
04/18/2021	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	IL 604XX	Web
On XX/XX/11 I was charged a pending charge after I already paid the charge amount in full. The pending charge is still on my account 2 weeks after I have made several calls and had the company who the charge was to fax a removal form. Money Network told me XXXX XXXX had to fax a letter stating that the pending charges could be removed that XXXX XXXX was not going to be charging them because the order was already paid in full. I have made several attempts with Money Network and they lie to me and keep increasing the so called date the pending charge will be removed. Every time I call Money Network employees are in a hurry to get me off the phone and when they tell me they are going to transfer me to the escalations department the phone always hangs up. The amount that Money Network owes me is {$170.00}. I have attached a snip of my account. On XX/XX/11 at XXXX I was charged {$26.00} and {$140.00} which adds up to {$170.00}, which is what I purchased paid in full. After that I was also charge {$170.00} in a pending charge after the full purchase amount was already paid.
01/19/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble closing card	WA 98155	Web
In spite of receiving my first stimulus check from the IRS via Direct Deposit, my second relief fund arrived via a pre-paid " Economic Impact Card '' provided by Money Network and XXXX overseen by Money Network Financial , LLC, XXXX XXXX XXXX, XXXX, GA, XXXX. Their customer agreement is available here : XXXX XXXX XXXXXXXX where it says " You may close your Card account at any time by contacting Customer Service . '' This is a lie. The provided customer service number, XXXX, has no option available for closing accounts, nor is there an option to speak to a human. I called on Tuesday, XX/XX/2021 several times. I believe this is a violation of federal law. I wish that I could close the account, and have their records erase my personal information, which is my right by law. I recommend that they be fined, and be barred from contracting with the US or local governments forever. Please prove that you are really for the consumer and not the big bank ( as it seems Congress is, by using this company in the first place instead of just using direct deposit ).
05/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	KS 66216	Web
In XXXX of XXXX, 12 separate charges adding up to {$240.00} dollars appeared on my XXXX XXXX XXXX debit card from an online gambling company called " XXXX XXXX. '' As I do not have ( and have never had ) an account with XXXX XXXX, XXXX XXXX immediately determined that these charges were the result of fraud and removed them from my account. However, XXXX XXXX turned the charges over to a collection agency, TRS Recovery Services, which began attempts to collect the debt. In XX/XX/XXXX, Upon receiving communication from TRS Recovery that they were attempting to collect on this {$240.00} debt, I responded in writing informing them that this was not my debt. I will upload and attach that letter ( File " TRS Recovery Letter XX/XX/XXXX '' ) Now in XX/XX/XXXX, TRS Recovery has ignored my written letter from XXXX and is now continuing the debt collection process with a series of 12 separate " second request '' collection letters adding up to the same {$240.00} figure. It seems that my written letter indicating the debt was not mine has simply been ignored.
03/17/2021	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	NY 11003	Web
I received a Debit card for the " first time '' from Money Network Cardholder Services on XX/XX/2020 with only a {$16.00} credit balance instead of the {$2400.00} stimulus money that was issued to me by the Federal Government. I contacted Money Network Cardholder Services ( Card issued by XXXX ) to complain that I only was provided with {$16.00} instead of {$2400.00}. I received a break down from Money Network Cardholder Services showing usage on an account between XX/XX/2020 and XX/XX/2020. I did not have a debit card in my possession during the month of XX/XX/2020. The first time I received a debit card was on XX/XX/2020. None of the debits made in XX/XX/2020 were debits made by me. I am not sure if XXXX has provided me with a breakdown for someone else 's card or if a card was sent to me prior to XX/XX/2020 and the charges made in XX/XX/2020 are unauthorized/fraudulent transactions. My complaint/dispute has been ignored. It will be almost one ( 1 ) year and I have still not been provided with the {$2400.00} in stimulus money allocated to me.
05/27/2020	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	FL 33913	Web	Older American, Servicemember
XXXX doesn't work for processing the new Economic Impact Payment Cards being sent out by the US Government. FISERV and Money Network dropped the ball. I received an EIP debit card in the mail yesterday. I called XXXX to activate the card and assign a PIN - no problem. I registered as a new user at XXXX. Got a dozen different emails about Login ID and passwords with no real problems until the final step : The system said I would be sent an email with a validation code that I would have to enter before I could go any further. The email with the code never arrived. I went to bed. The next morning, 8 hours later, the email arrived with a 5 minute window for use. I missed the window. Tried again - same thing. I called customer service. They said " The system is broken - we don't know if it will ever be fixed. Try going to your bank. '' Folks. if the government is going to partner with a XXXX dollar service company they ought to at least get some assurances that the systems will be tested before sending out XXXX XXXX debit cards. ACCOUNTABILITY!
02/12/2021	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	OH 451XX	Web	Servicemember
We bank with XXXX and they use FISERV for online bill pay. On XX/XX/XXXX the bank attempted to send 2 bill pays, one for {$100.00} and one for {$120.00}. We apparently didn't have enough funds in the account, but FISERV did pay the bills for us. FISERV sent us a collection letter stating we owed them the funds and gave us a phone number of XXXX to reach them. We called on XX/XX/XXXX and spent over 60 minutes on hold. We called back the evening of XX/XX/XXXX and spent about 15 minutes. We called again today, XX/XX/XXXX, and spent another 30 minutes on hold. We have been unable to reach this company to resolve this issue. The only other option on the phone is to get a mailing address to send a physical check to. This company has suspended our ability to pay our bills online, and is not providing a speedy or efficient resolution to the issue. Besides the fact I have YET to speak to anyone from FISERV. We called XXXX, our bank, and they told us we have to talk to FISERV. This has been a completely horrible process and FISERV is not responsive at all.
01/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	NV 894XX	Web
On XXXX, I issued a check to XXXX XXXXXXXX XXXX XXXX XXXX XXXX for auto body work. My wife and I left with the car only to be called back by XXXX for a " problem '' with the check. The check was " not accepted '' due to a report from an outfit called TeleCheck. My wife immediately paid with her debit card on the same account that the check was issued. I called TeleCheck to find out why they were behind the declination only to be asked a series of personal and probing questions before they would answer my question. I refused to give them the info based on advice by the government not to give out such personal info over the phone due to frauds and scams. On XXXX, I went to TeleCheck 's website and, as instructed, filled out a form to find out what the problem was. After submitting the requested info all I got back was a " thank you '' response. The declination issued was defamatory and caused us undue embarassment with a local business. There was nothing wrong with the check or our account which had more than enough funds to cover the bill.
09/30/2022	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	TX XXXXX	Web	Older American
On I called XXXX FISERV regarding a duplicate payment ( 2 ) of {$90.00} reflecting on my XXXX XXXX XXXX XXXX ACCOUNT. The agent I spoke to stated they notify the XXXX Banking Dept. however I receive an email. On XX/XX/XXXX, I received an email stated the following : Fiserv, the service provider for Bill Pay with XXXX XXXX XXXX, processes the payments that you make through Bill Pay. At your request, Fiserv processed the payment to XXXX XXXX XXXX on XX/XX/2022 for {$90.00}. However, after sending money to XXXX XXXX XXXX, Fiserv could not withdraw the funds from your payment account. Fiserv 's second attempt to withdraw the funds was also unsuccessful. As a result, the money Fiserv sent to XXXX XXXX XXXX on your behalf was returned to Fiserv. Their error has caused my XXXX account to be closed because they provided incorrect and fabricated information to me. There have been several instances where XXXX and FISERV provided incorrect information causing negative affects on accounts and/or fees especially how transactions are processed.
01/11/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MN 55421	Web
On XX/XX/2023 I received a letter in the mail from TRS recovery services , INC . The letter stated that I owed a debt of {$52.00} to XXXX XXXX. TRS Recovery Services , INC . XXXX XXXX XXXX XXXX. XXXX, GA XXXX The following website was provided in the letter : www.trsrecoveryservices.com I have not received any notification from XXXX that I owe this debt, and my account with XXXX showed all was paid up. I reached out to XXXX and they confirmed I do not owe a debt. I went to the website XXXX provided so that I could request proof of this debt, and in order to submit anything to them, they require you to provide your bank account information, full social security number, and Drivers License. This tipped me off immediately that this is a scam. The fields do not show as required but if you do not populate them you can not submit your dispute. This company has multiple reports on the XXXX of a similar scam for XXXX XXXX. The website should be shut down and this company should be penalized for the damages. It should be shut down.
06/13/2023	Yes	Checking or savings account Checking account	Managing an account Banking errors	FL 32164	Web
A week ago I made a purchase at XXXX XXXX and shortly after was contacted and told that the online purchase would be cancelled due to the company not having drivers. The purchase was cancelled and upon cancellation I was told that the deposit will be available either the same day or the next business day. The next business day came and my money was not available so I called my bank Money Network ADP and they explained that my refund will pend for 7 business days or I could call XXXX XXXX and have them write their company a letter head explaining that they refunded me my money. I called XXXX XXXX and the XXXX agreed to write a letter, the XXXX was very baffled since the company issued the refund and never had this issue. I called my bank again and was told that they never received a letter head and that I will have to wait 7 business days which would be XX/XX/23 for my refund. Here we are on XX/XX/23 and Im being told that I have to wait once again. I went a week without money to commute and now Im behind on my kids daycare fee!
03/22/2020	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	MT 59105	Web
I have a XXXX XXXX XXXX Money Network card from my employer that my payroll is deposited to. On XX/XX/2020 5 unauthorized purchases posted to my account. Under the dates XX/XX/XXXX, I have charges for {$29.00}, {$1.00}, and {$120.00}. A charge on XX/XX/XXXX for {$14.00} and a charge dated XX/XX/XXXX for {$53.00}. I called the customer service department twice on XX/XX/XXXX to dispute the charges and asking for an explanation of the charges. I was told to call back in 7-10 days to allow the charges to clear and possibly I could dispute them. Id have to fill out a form, wait for them to investigate and it could be 90 days before Id see a refund, if they found the charges to be fraudulent. They refused to give me any information or an explanation as to how the charges were made without my card being swiped or anyone having access to my card or PIN numbers. Three of the charges are at a liquor store in NJ and I live in MT! They were rude, dismissive and kept asking if Id given my information or permission to anyone to use my card.
07/30/2020	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	FL 33993	Web
1 ) Fraudulent transaction for {$9900.00} on XX/XX/2019 XXXX at Gas station XXXX XXXX, Fl we reported this to Money Network. 2 ) Fraudulent Transaction for {$9800.00} on XX/XX/2019 XXXX at Gas station XXXX XXXX XXXX XXXX Fl yes we did a report to Money Network 3 ) Fraudulent transaction for {$9400.00} on XX/XX/2019 XXXX at Gas station XXXX XXXX XXXX XXXX, yes we did a report to Money Network 4 ) Fraudulent Transaction for {$98.00} on XX/XX/2019 XXXX at Gas station XXXX XXXX XXXX Fl, yes we did a report to Money Network. When we found this, we called Money Network Customer Services, let them Know what happened because we did Not do those transactions. They said they are going to star an Investigation and after 90n days they will notice their decision, also they said that we have to call every week and follow the dispute process. We filled out the form and after several unpleasant calls, they decide to denied our Claim. I will attach documents. Money Networ never send any letter about their decision. Thanks XXXX XXXX XXXX
08/02/2023	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	CA 91344	Web	Older American
I called to find out where my CA meddle class tax refund card is in XX/XX/XXXX to find out it has been sent in XX/XX/XXXX. They said it was compromised and will send the replacement card. I received the card and found out {$680.00} was fraudulently spent and balance of {$14.00} was left on the card. I called the Money Network who issues the card and they said to file a dispute. I have filed the dispute and they denied the dispute and I was told to appeal the decision. I have filed the appeal and it was denied again. I called and was transferred to escalated team who told me to provide more information and appeal the denial. I asked them what kind of information do they need and they could not provide any answers or request of additional information. What kind of information can I provide when my card was stolen and was used ay XXXX and XXXX XXXX XXXX according to my card statement. Obviously I am not the only one that has been scammed out of refund and card company is not willing to assist me with getting my refund back.
04/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CO 802XX	Web
Subject : Disputing Information in TRS I am writing to dispute the following information that TRS not Supplied to telling me about payment they did really recived from me. I have paid the debt {$27.00} on after XX/XX/2022. I lost, or TRS lost the confirmation. I am requesting that TRS provide me information, when I really did made a payment. TRS, rep won't provide me information. I believe they had confirmation payment recived, but the rep will not provide me the information, when I mention about XX/XX/2022. Therefore, here is what I have for now. TRS XX/XX/XXXX XXXX! Payment Entered on TRS Recovery Services! - ID XXXX Confirmation from transaction made {$27.00} What information do they have? For this. This is all what I have of confirmation about debt been paid. Please reinvestigate this matter. Provide me info about, when I did made payment to TRS back in XX/XX/2022 XXXX. Sincerely, XXXX XXXX : The copies, I did recieved was lost. I only, have email confirmation trs. Transaction history from my payment.
10/14/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Trouble accessing funds in your mobile or digital wallet	CA 93003	Web
To whom it may be concerned. I am a customer of Fiserv and have a credit card processing account. My funds have been illegally held since XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fiserv has not emailed me or called me about this. When I called again today to ask what I can do to resolve this, they said they sent a letter to an old address I lived at over 6 years ago. The first time I reached out to them on XX/XX/23, my funds were held, and I wasn't able to speak to somebody until XX/XX/23. After that call, the woman on the phone ( XXXX XXXX ) assured me that the issue is resolved and all holds are lifted from my account. Shortly after that, just 8 days later, they silently blocked my deposits again, although this time I didn't get a call or an email about it like I did last time. Over the past month, I've lost valuable employees and I have over {$15000.00} being held illegally, and I'm not able to get in touch with anybody to resolve the issue.
03/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94589	Web
I'm resubmitting from a previous complaint for these reference numbers, since I could not attach documents as a response on the original issue : CFPB Complaint # XXXX Original Creditor : XXXX XXXX XXXX Assigned Creditor : XXXX XXXX XXXX. Reference Numbers : XXXX -- -- - Original Complaint -- -- - On XX/XX/XXXX, I was a victim of identity theft. The thief made multiple charges on my behalf using my bank information from my bank app and created a XXXX account. They ordered Lyft rides totaling to about {$55.00}. My bank has resolved a couple of the charges. However, on XX/XX/XXXX, XXXX XXXX XXXX collection agency tried to collect for the remaining amount of about {$26.00}. I responded by filing a forgery or identity theft through their online website with the police report attached. They sent a second follow up letter on XX/XX/XXXX stating " no attempt to collect '', but requested for personal identifying and bank information, which I am not comfortable sharing. They provided a fraud and identify theft reference number.
02/07/2023	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	TX 79606	Web	Servicemember
XX/XX/XXXX XXXX XXXX fraudulent charges totaling over {$1400.00} in minutes over night wrongfully utilized in XXXX XXXX XXXX I was not notified of suspicious transactions. I woke up to a push notification that I had less than {$20.00} in my account. Called card immediately, emailed the places in XXXX, report with police, report with sheriff dept, emailed internet crime complaint center ( XXXX ), faxed XXXX different dates, from XXXX to XXXX, to the card company, found out over a month later after getting different stories from different customer service representatives that I was getting a full refund on this date and then that date, I was getting the run around for 2 months My fraud case had been closed in early XXXX. I was never notified my fraud case was closed. My case was closed due to a partial refund from XXXX of the companies ( I think because all the transactions happened soo fast that XXXX company wasn't able to get the full amount out of my account ) I believe this was an inside job of this card company.
07/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21229	Web
On XX/XX/2021 I checked my mailbox and noticed I had received 2 letters in the mail from TRS recovery services stating I owe {$37.00} ( principal amount of {$12.00} + {$25.00} returned Item fee ) with the original creditor being XXXX. I contacted XXXX to investigate because I was unaware of the nature of this debt. The XXXX representative had no information about it and stated she had to transfer me to TRS recovery services. Upon speaking with a TRS agent, the agent informed me that the transaction number on the front of the letter did not match my name ( Not my debt ). In other words, stating that the debt wasn't mine and advised me to disregard the letter. I then began asking questions and showing my concerns about the debt being reported to the CRAs. The agent told me to mail back the letters and hung up the phone while I was speaking. Something fishy is going on here. I do not owe any debt to XXXX or TRS. They are violating the FCRA as this is not my debt. Please have them remove this item from all 3 bureaus.
07/26/2023	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	CA 91344	Web
Middle class tax refund sent out debit card to us in XXXX for {$1000.00} which we did not receive. Apparently, the cards were stolen, and the fraudsters were able to activate the cards and take out the cash in 2 separate transactions from a XXXX XXXX XXXX in XXXX XXXX back in XXXX. We found out in XXXX that we were supposedly to receive the cards when we were issued a 1099 tax statement. After numerous calls to the state, we were put in touch with Money Network ( card issuer ). We filed a complaint which was denied and then we appealed. Money Network indicated that the initial request for the $ was turned down because the cards had been activated with personal identification information. We are still awaiting the final decision on the appeal with Money Network but it is long overdue, we have passed the 90 working days on the appeal to get an answer. We constantly call and get the " no determination at this time '' as our answer from Money Network. We are in the XXXX month of this process without any resolution.
06/26/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MA 015XX	Web
I opened an account with DraftKings using the XXXX direct connection to my checking account. They told XXXX the money was there and XXXX put {$25.00} in my account. Within a week they reported me to Credit bureau-TRS Recovery Services Innc.. Even though, every time I logged into XXXX, on a daily basis after opening the account, I received an email from XXXX to tell me there was a log in, they never told me the money didnt go through. I have used direct connections to my bank account to transfer money many times with no issues. The account has plenty of money and was in no risk of lack of funds. I don't mind paying the {$25.00} that I originally committed to. I will not pay a fee that was added when the debt was sold to XXXX within days of their issues. This is a predatory practice that needs to be stopped. The issue is between XXXX and XXXX. Thank you for looking into this. I will not pay a fee, please negotiate a way for me to only pay the original {$25.00}. There are lawsuits on this in Indiana https : XXXX
08/14/2023	Yes	Credit card or prepaid card Government benefit card	Unexpected or other fees	NJ 082XX	Web
Money Network Dispute Claim # XXXX I had disputed a charge against a merchant for {$100.00} upon discovering they charged my other credit card for the same exact thing. This transaction was disputed as Paid for by other means. The bank refuses to credit me for the funds, stating, Based on the results of this investigation, your claim has been denied due to the dispute is considered a civil matter between the card holder in the merchant. They did not provide any reason whatsoever for denying my dispute. And there cant be any valid reason, as I showed them clear supporting documentation of my other bank statement showing the same merchant, the same amount and the same date. I had disputed a couple of transactions in the past, also as Paid for by other means, and provided Money Network with my other bank statement, and they found in my favor. There was no this is considered a civil matter. So why would this one be treated any differently?? Its the same type of dispute, and I showed the same type of documentation.
06/02/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	NY 100XX	Web
These nameless/faceless XXXX, apparently with 100 different corporate names/addresses on XXXX XXXX to avoid liability ) received a credit card chargeback from a former client for {$2000.00} on or about XX/XX/2021 but unlike 100 % of every single merchant service company that we have used in the last 20 years of our XXXX XXXX XXXX, these XXXX did not either email or fax us the chargeback notice but simply sent it to us via US Mail XXXX pony express ). So of course, we never knew about the chargeback, never responded to it because we never knew about it & now today received it in the snail mail & will now respond to it, but we only have a few days to respond to it. To make matters worse, these thieves stole the duly earned {$2000.00} right out of our XXXX Checking Bank Account & even XXXX XXXX, the XXXX aiders & abettors, did not notify us, either. Please investigate & advise & ensure that this never happens, again, maybe by having these XXXX fax or email us chargebacks, instead of mailing them ( maybe XXXX.
09/12/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	NC 28409	Web
On XX/XX/22, I paid a XXXX XXXX XXXX credit card bill at a checkfreepay agent, XXXX. I gave the wrong account number by accident, XXXX. The correct account number is XXXX. Upon calling checkfreepay on XX/XX/22, I was told that as the payment has been delivered to bank XXXX XXXX, the only option is to visit an agent location where they will proceed to call checkfreepay, and work to apply the payment to the correct account. This should then show up correctly within 10-15 days. I called again on XX/XX/22 and I was told the exact same guidelines on how to proceed. Instead, when I reached the checkfreepay agent, XXXX, the checkfreepay representative told XXXX that I needed to dispute the payment with my bank. This goes counter to any research I've done on the matter online, and counter to the XXXX calls I made to checkfreepay personally, where they each stated that the payment should simply be corrected. Attached is my statement showing the correct account number, along with the payment receipt from XXXX.
11/07/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	MO 63116	Web	Servicemember
A month ago I noticed transactions on my account was unauthorized transactions. I called money network and submitted a dispute form thru email. For XXXX weeks I heard nothing back from them. So I called the dispute department directly and submitted a dispute. I am a XXXX veteran all my pins to all of my cards are the same. I have a XXXX yr old son who I caught stealing from my home on XXXX XXXX XXXX XXXX XXXX, mo. I called the police and got a police report. XXXX XXXX XXXX police department XXXX XXXX XXXX police report number XXXX XXXX XXXX XXXX. Yesterday XX/XX/2023 I received the dispute paperwork in the mail, and the dispute denial in the mail. They said because my pin was used. I told them again today my son was the one who made those unauthorized transactions and because he is my son he has seen me use the same pin for years. Please help. This is not fair to me as a customer. I did not make or authorize use of my card for any of the transactions listed on dispute claim XXXX or dispute claim XXXX
03/28/2023	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Problem with direct deposit	CA 90008	Web
I was supposed to get my California Middle Tax Refund issued in XXXX. I was told by the California Franchise Tax Board that the deposit was issued on XX/XX/XXXX in the amount of {$700.00}. I never received the card with these funds. I called the California FTB and they told me i had to deal with Money Network. I filed a dispute on XX/XX/XXXX, once I learned that there were 2 withdrawals made from the issued card. Below is the information : XX/XX/XXXX {$700.00} {$700.00} One-time Contribution from CA Middle Class Tax Refund XXXX XX/XX/XXXX ( {$400.00} ) {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$1.00} ) {$690.00} ATM Withdrawal Fee XX/XX/XXXX ( {$290.00} ) {$1.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$1.00} ) {$290.00} ATM Withdrawal Fee I contact money network today and was told my dispute was denied. I file a formal complaint with the company. ID # XXXX. I spoke with XXXX. I desperately need assistance with this situation.
12/27/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	NY 100XX	Web
We strongly believe that competitors, exes, XXXX XXXX as we are a minority-owned firm, and other troublemakers are filing false complaints/requests for investigation against our law firm company this leading to a spate of frivolous harassing investigations into our law firm company- we have filed federal complaints with the Office of Professional Responsibility and other agencies to investigate this - this is also evidenced by the fact that we have prevailed and won on each and every single credit charge back since they came in this year- please also be advised that charge backs increased during the Holiday season when desperate people are looking for extra cash to spend on their cards after they have already used and abused us for our stellar legal work- which desperation has been made worse by COVID-related unemployment and lack of cash/liquidity in our generally poor, criminal, immigrant clients ( we do immigration, criminal defense, and family law work ). Please urgently investigate and advise.
06/17/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	TX 75087	Web
TRS Recovery Services was notified on XX/XX/2022 that the debt they are attempting to collect for a " XXXX XXXX' was and is fraudulent. I do not owe this company any debts. These checks were stopped because these are fraudulent transactions from an Identity thieve. I do not know who Authorized these transactions but even the XXXX XXXX States I am not responsible for the transactions. I have not conducted business with this merchant, and I do not know who has but It was not authorized. TRS continues to try and collect on behalf of TeleCheck Services, Which still is not authorized. I am a victim of identity theft, and these transactions have already been reported to the FTC and this checking account was already closed because of the fraudulent transactions. These are not authorized checks. These are Forgery, and I will not accept a debt I am not responsible for. I already notified TRS of my right to dispute and TRS continues to send collection letters and trying to collect on a fraudulent debt.
02/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 925XX	Web
I was sent a letter from XXXX stating that there is a debt from XXXX XXXX from someone else 's XXXX account paid on a bank account that is not mine. I have provided the information for whos debt it is and I have given them her drivers license number and her address yet I am still getting the correspondence. I even attached a letter from XXXX stating that the purchase was not done from me and on someone else 's account. I was told I can file a police report and label it as Identity Theft but there is no identity theft it was not my card used it was not my bank account used it was not my XXXX account used. I have spoke to XXXX a supervisor at XXXX multiple times. I have spoken to XXXX at XXXX. I have spoke to both XXXX and XXXX who are supervisors at Telecheck which have asked me to call XXXX and talk to their dispute department. When I called XXXX I was told by XXXX that the dispute department does not have phones and cant talk to anybody on the phone and everything has to be done in writing.
02/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 191XX	Web
XXXX XXXX = XXXX Customer name = XXXX XXXX XXXX # XXXX XXXX refuses to unblock my account stating there is a balance owed. I do not have an outstanding balance with XXXX. I contacted their 3rd party collection company several times and was able to confirm the statement above each time. The collection company stated that an email was sent to XXXX each time I contacted them about the balance. I contacted XXXX after each call to their 3rd party collectors and never obtained any results. Each time I spoke with a representative I was informed that an email would be sent on my behalf. The department that handles the accounts is unreachable by phone and does not have a point person to resolve matters. They informed me that there is no physical way to contact a member in that department directly, all concerns must go through a mass email account. As of today my account remains blocked and I have yet to hear from XXXX with a response as to why. XXXX XXXX = XXXX Customer name = XXXX XXXX XXXX # XXXX
11/28/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92592	Web
I received two letters in the mail on XXXXXXXX XXXX XXXX. The company letter is telling me I owe XXXX and in the second letter they indicate I owe XXXX because of fees. I looked them up online and called them. The guy on the phone kept saying I owe XXXX not XXXX and had me provide the reference number on the letters sent. He asked for my name, phone number and address. Then told me to dispute the debt by filling out a form on their website. I went to the website and started to fill out the form but it asked for detailed bank information and more personal details. I felt very uncomfortable even though a XXXX search said they are legitimate. So I called my bank about it and they said it's a fake business. Also I called XXXX directly and the rep said that XXXX never sends letters in the mail and they do not use TRS Recovery Services for any debt related things. XXXX advised me to not give any more information and to report the fakeTRS Recovery Services company who seem to be just scammers.
12/15/2022	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble using the card to spend money in a store or online	CA XXXXX	Web
The Debit card was issued by Money Network by XXXX XXXX XXXX for money placed in an account by the State of California for Middle Class Tax Refunds. My husband and I activated the card for the account that contained {$700.00}. On XX/XX/22, I used the card to spend {$82.00} at the local grocery store. On XX/XX/22, someone drained all the money from the account ( ie. they hacked the account ). I tried reporting this to the Debit card issuer, but could not get through their phone recordings even after XXXX minutes, and they had no option on the phone for money stolen directly out of an account. They only had an option if your card was stolen- which ours was not. In looking online to try to find out what else I could do to report this issue, I found that I am not alone, others in California receiving the Debit Cards for the tax refund have recently had their accounts drained also. There may be many others in California and it may involve hundreds of thousands of dollars of our tax money.
10/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	LA 70115	Web	Servicemember
On XX/XX/22 I tried cashing a check for {$280.00} at XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, LA XXXX. The check was denied by Telecheck. I then called Telecheck and gave the information to verify my identity thinking it would clear up the matter. I was told by the Telecheck representative that I would then be able to cash the check. When I tried cashing the check again, I was again denied. When I called Telecheck again, the next representative said that I wasn't denied, that the check was flagged for the possibility of fraud. As a result, I was forced to pay an extra fee for using my debit card. Thank goodness I have the means to pay the extra service fee, but others may not be so fortunate. XXXX XXXX charging 3.5 % extra when paying by debit or credit card and then relying on Telecheck to deny legitimate checks is a means for them to increase revenues, which is unethical and predatory. Secondly, Telecheck is complicit in supporting their unethical business practices.
01/28/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	CA 92116	Web
Customers of a local XXXX restaurant here in XXXX XXXX, XXXX 's in XXXX XXXX, have been seeing random charges hit their debit and credit cards. The restaurant uses the Clover POS system. The restaurant is claiming that customers who visited between XXXX and XX/XX/2021 were not actually having their cards charged due to " payment processing errors. '' They now claim they are " catching up '' on charges from months ago. To consumers, who don't remember they ate here months ago, are of course just seeing the charges and thinking they are fraud. In addition, there was no warning or communication that they would be charging customers cards well after their visit to the restaurant. As a consumer I am concerned that a merchant can maintain my card information so long after a visit and effectively charge my card without me being present. This seems borderline illegal, especially because these charges could result in consumers being hit with overdraft fees not expecting these charges to hit.
03/31/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Money was taken from your account on the wrong day or for the wrong amount	FL 33181	Web
This latest report is in connection to report number : Complaint Number XXXX. On XX/XX/2022, I contacted the Money Network Customer Service at XXXX via phone and reached a representative by the name of " XXXX. '' I briefed Money Network through several phone calls of the escalating unauthorized charges to my debit/credit card and the lack to provisional credits from Money Network to customers that are victims of fraudulent activity. XXXX directed me to go back to the property where the fraud occurred, and provide the manager with an email to Fiserv. When I asked XXXX, " What is Fizerv, '' XXXX began to stumble on her words. I continued to ask XXXX something like 'Why is Money Network asking me to go back to the property were fraud occurred to provide an email address and contact information for Fiserv ? ' XXXX informed 'Fiserv is an account [ inaudible ] with/on [ inaudible ] money network. ' XXXX then put me on hold for a long period of time. The phone call was disconnected.
06/23/2023	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	NC 27455	Web
IM AN UPSET BUSINESS OWNER CONSUMER. Clover Merchant Services at XXXX has stolen my deposits. They keep providing me on " RECORDED CALLS '' that they are going to deposit my business funds into my account and " IT NEVER HAPPENS! '' I feel like Clover Merchant Services is scamming me. Everyday when I call into Clover. I always get a different scenario or a set promise of receiving my {$14000.00}. I have spoken with numerous staff at Clover and yet NO RESOLUTION. On Clover recorded calls I have spoken with Account Soecialist XXXX XXXX, XXXX XXXX XXXX the XXXX XXXX supervisor, XXXX XXXX, XXXX XXXX XXXX & many more. And yet " NO RESOLUTION! '' When I ask to speak to higher authorities, Clover claims that their in a meeting & can not tend to the phone. When I ask for Regional Managers or even the number to Headquarters, They never can provide that information as well. My business is beginning to drown due to Clover Merchant Services-Bank negligence . XXXX XXXX XXXX XXXX XXXX XXXX
05/24/2020	Yes	Credit card or prepaid card Government benefit card	Advertising Confusing or misleading advertising about the card	AL 36830	Web	Older American, Servicemember
This is a copy of a complaint entered at the Alabama AG site consumer protection site online XX/XX/XXXX, regarding thismatter : My wife and I recently received correspondence from Money Network Financial that included a VISA card embossed with our names. The accompanying literature stated in enlarged letters : " Here is your Economic Impact Payment Card enabled by Money Network. '' It takes reading the fine print and looking past the misinformation to understand that this mailing is actually an offer to open a credit account with Money Network. The enclosed printed literature even says, " This prepaid debit card is being sent to you on behalf of the U.S. Department of the Treasury in place of a paper check. This Card contains the money you are receiving as a result of the Coronavirus Aid, Relief and Economic Security Act ( CARES Act ). Copies of mail literature forwarded by email to the Alabama AG ConsumerInterest email address. XXXX and XXXX XXXX XXXX, AL XXXX XXXX XXXX
06/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MO 63137	Web
On XX/XX/22 I received a request for payment from TRS Recovery Services XXXX Inc for {$120.00} for a purchase made at XXXX XXXX XXXX XXXX paid for by check # XXXX ( Dummy check # ) Drawn from an account at XXXX XXXX XXXX XXXX XXXX XXXX, MO contacted XXXX XXXX XXXX XXXX XXXX no account found with my name. TeleCheck Services verified the check at point of purchase ( unbelievable ). I contacted XXXX XXXX XXXX XXXX XXXX , to investigate the matter at, XXXX ( XXXX ) XXXX, never heard back from them. I contacted TRS Recovery Services XXXX Inc. and received a dispute form which I completed and mailed it back to them. On XX/XX/22 I received a TRS Forgery/Identity Theft Declaration, completed it and mailed it back to them along with all the information I had found to substantiate my claim of fraud/identity theft. The information regarding this matter was given to me by TeleCheck Services, XXXX ( XXXX ) XXXX and XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX and through my own investigation.
03/15/2023	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Problem with a check written from your prepaid card account	CA XXXXX	Web
My complaint is against MONEY NETWORK in XXXX, MD : On or about XX/XX/2022, I received a prepaid card in the amount of {$1000.00} for my " California Middle Class Tax Refund ''. I followed all the instructions to activate the card and went to XXXX XXXX XXXX to get the cash from the card. XXXX has the special machine to verify my funds and give me the cash. The bank teller told me the machine said my card is " void ''. The same day I called MONEY NETWORK and asked for a check to be mailed and they agreed to mail me a check. After about 30 days, the check didn't come so I called and we agreed they would send me another check. As of this writing, the second check has never arrived. I made multiple phone calls and MONEY NETWORK 's system notes are the best source for a record of all my calls. It also represents how much time I've spent. I received IRS tax from 1099 for the money I never received. I believe MONEY NETWORK is engaged in fraudulent and illegal activity.
08/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CO 802XX	Web
Fraudulent checks written starting XX/XX/XXXX through XX/XX/XXXX. All were reported as identity theft to XXXXXXXX XXXX XXXX XXXX and this account was closed. All of the checks that were fraudulently written were paid by the bank as the account wasn't closed until XX/XX/XXXX. I was also reimbursed by this bank and a new account was opened. I received several debt collections letters from TRS Recovery services whose representatives tell me they work for TeleCheck Services. These letters arrived starting XX/XX/XXXX. I reported the debt (? ) as fraudulent and TRS has closed the case. I have not been able to receive - to my satisfaction- how these checks ended up as my bad debt as the vendors and I have all been paid. Even if XXXX XXXX XXXX ( the two vendors ) hadn't been paid, how was I sent to debt collections as I already told the bank these checks weren't mine? TRS states they can not tell me this information and has not resolved this issue to my satisfaction.
03/29/2021	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble getting information about the card	MN 55417	Web	Older American, Servicemember
Stimulus Card Issue : XXXX - Money Network Financial , LLC I was informed a card for the stimulus payment was mailed to me in XX/XX/2021. I have never received a card. This is the second payment - {$600.00}. I received a letter from : XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, NE XXXX because I have not activated my card!!! I have attempted ten ( 10 ) times to contact them at the number provided : XXXX. Regardless of the phone prompts used, it always ends with their automatic reply to hang up. Several times I have advanced after providing the last six ( 6 ) digits of my social security number and my zip code. A recorded message responds with a phrase that states a replacement card will be provided please allow 7 - 10 days for mail processing. and shipping time, and then it hangs up. This has gone on for 45 days. I have used up all available options except my elected representatives in Washington. COMPLETELY UNRESPONSIVE AND I WANT THIS RESOLVED ASAP
05/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MT 597XX	Web	Older American
Received a notice from a company named TRS Recovery Services for a debt with ID : XXXX fraudulently stating there had been a stop payment issued by my bank for a website named XXXX XXXX in the amount of {$200.00} with penalties. I have never been on the site, do not gamble, no original item was issued and no stop payment was issued by my bank as there was no instrument of payment at any time. There are also many other flags that this is a fraudulent claim. Steps to remedy include contesting on the TRS website per their notice and have sent certified letters contesting the debt to the companies requesting a canceling of the debt, information about the supposed debt and the cessation of contact but received no response. A second letter was received from TRS dated XX/XX/2022. I am sending another certified letter restating my request. In their dispute process they request bank account information and credit card information which would be misleading to many.
04/26/2023	Yes	Credit card or prepaid card Government benefit card	Unexpected or other fees	NJ 082XX	Web
Note to the CFPB : Complaint XXXX was not a duplicate complaint. It had ZERO to do with Complaint XXXX. Two completely different disputes/transactions. If you paid attention to the documentation I submitted, or even just the what would be a fair resolution to this issue sections, you wouldve seen that! Now you just wasted 10 days, as well and my time having to submit another complaint. Please start paying attention to consumer complaints and do not close this complaint again Complaint Against Business ( Lets try this one more time! ) : I am so sick to death of this. Every single dispute I've filed with these people comes back denied for no good reason whatsoever. Every single time they act like I don't send them enough documentation, and I always do. Sometimes I send them more than enough! This needs to stop!! If I have to file one more complaint here regarding a dispute, next I am filing a complaint with the New Jersey Department of Banking and Insurance!!!
06/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MO 63137	Web
On XX/XX/22 I received a request for payment from TRS Recovery Services , Inc for {$120.00} for a purchase made at XXXX XXXX XXXX XXXX paid for by check # XXXX ( Dummy check # ) Drawn from an account at XXXX XXXX XXXX XXXX XXXX XXXX, MO contacted XXXX XXXX XXXX XXXX XXXX XXXX account found with my name. XXXX XXXX verified the check at point of purchase ( unbelievable ). I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX investigate the matter at, XXXX ( XXXX ) XXXX, never heard back from them. I contacted TRS Recovery Services XXXX XXXX and received a dispute form which I completed and mailed it back to them. On XX/XX/22 I received a TRS Forgery/Identity Theft Declaration, completed it and mailed it back to them along with all the information I had found to substantiate my claim of fraud/identity theft. The information regarding this matter was given to me by XXXX XXXX, XXXX ( XXXX ) XXXX and XXXX XXXX XXXX XXXX ( XXXX ) XXXX and through my own investigation.
12/31/2022	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble closing card	CA 92683	Web
My name is XXXX XXXX My address : XXXX XXXX XXXX XXXX, XXXX XXXX Amount : {$600.00}. DISPUTE CASE ID - XXXX XXXX Dear SIR or MADAM on Consumer Financial Protection Bureau! IN XXXX, everybody had XXXX ( Economy impact payment as rapidly as possible ) but i did not receive the card... On XXXX, XXXX i find out i quality to have the card but why didn't have the card. Check on old email, i find out the stament ... someone steal and use the card ... because all transaction unrecognized.. i call for customer service... than ... find out ... they SEND WRONG ADDRESS!! The address they delivered was XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX. My address without XXXX XXXX. This situation is not my fault. Because WRONG address < i dispute all transaction in this account because NOT ME! I DID fill out the dispute form and explained they send WRONG address ... they are DENIED my case.. with reason " i did not provide enough information to support the case.
08/08/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CO 802XX	Web	Older American
I made a deposit with XXXX XXXX on XX/XX/XXXX for {$100.00}. The money was never deposited into my XXXX XXXX account. When I discovered this I contacted XXXX XXXX and was told that the intermediary TeleCheck had my money and I would need to contact them for a refund. I contacted Telecheck in early XX/XX/XXXX via phone at XXXX and described the issue. They assured me they would refund my money within 30 days. I was given case ID XXXX XXXX I still haven't received my refund and called again today and was told this was escalated to a " higher department '' but it would AGAIN be 30 days before I can expect a refund. My new case ID XXXX is XXXX and I spoke to a supervisor with ID XXXX XXXX This is unacceptable. How many other folks are they illegally holding money for -- that forget about it or just give up. These folks are not pleasant to deal with and I have been patient to get my refund and I am sick of wasting my time following up with TeleCheck.
01/15/2021	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble getting information about the card	AZ 85029	Web
Received my Economic Impact Payment card on XX/XX/21. Following the instructions, I tried to call the number : XXXX. My intent was to activate the card. However, when I tried the number several times on XX/XX/21 and XX/XX/21 their automated phone message told me my phone number was not recognized. All other routes to contact them still lead back to the 8100 number. There is no " on-line '' activation that I am aware of. Their recorded message suggests I call them using a different telephone. I have only the one telephone. So, they have no computer activation or any computer contact procedure, the only phone I use is " not recognized '', there is no resolution procedure available other than to call their 8100 -- which, of course, does not work. What is the resolution to this problem? No contact information at IRS except to call the 8100 number. One can not help but wonder who is profiting off the interest in all the accounts in the same state as mine.
06/01/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	AZ 85745	Web
Regarding my business XXXX, Merchant ID : XXXX. In early XX/XX/2022, I signed up with XXXX to accept credit card payments for my business. On XX/XX/2022 I was contacted by the business via email ( XXXX ) regarding a recent transaction. After submitting the requested documentation via email, Fiserv Risk Department decided to close my merchant account on XX/XX/2022. I also finally received a letter in the mail from a " XXXX '' at First Data ( a subsidiary and/or same company as Fiserv ) informing me of the same, with a non-working call back number of XXXX. Since then, I've been trying to contact the company via email and another phone number I found on my own ( XXXX ). My emails are ignored, and if I call the number I'm told I'll receive a call back within 24 hours yet I've been waiting over a week. According to my records, they are holding over XXXX of my dollars in the merchant account which should have been deposited into my bank account by now.
02/11/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	WA XXXXX	Web	Older American, Servicemember
Telecheck charged my account twice. I contacted them and sent proof that they did. I also file a XXXX complaint against them. I was informed today that they investigated, did not have sufficient proof they had charged my account in error and had closed the investigation. The proof I sent them was the XXXX bank statement showing the check clearing the first time, and a " ministatement '' from the bank showing the check clearing again in XXXX. Perhaps they didn't accept the " ministatement '' I don't know. They also charged my bank an XXXX fee in XXXX for XXXX dollars. I received a new case number today XXXX. I am submitting to you the information that was faxed again to Telecheck today. The person who faxed for me circled the items in question on the bank statements before faxing. That is the check for {$300.00} that cleared XX/XX/XXXX, the check that cleared XX/XX/XXXX for {$300.00} and the NSF fee of {$30.00} charged on XX/XX/XXXX.
05/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 78108	Web
I GOT A LETTER FROM TRS RECOVERY SERVICE DATED XXXX XXXX TO COLLECT A DEBT OF {$1200.00}. SOME ONE WROTE A FALSE CHECK TO XXXX XXXX ON XX/XX/XXXX IN XXXX TX XXXX. THEN I GOT LETTER FROM IRS EMPLOYMENT RELATED IDENTITY THEFT NOTICE. NOTICE DATE : XXXX XXXX CALLED THE DEBT COLLECTION COMPANY TO TELL THEM ABOUT MY INDENITY THEFT. I RECEIVED ANOTHER LETTER FROM TRS RECOVERY SERVICES DATED XXXX XXXX IN THE LETTER THEY NEED SOME DOCUMENTS, I ALREADY SUBMITTED TO THEM INCLUDINDG POLICE REPORT, FTC IDENTITY THEFT REPORT AFFIDAVIT. IN YEAR XXXX I GOT ANOTHER LETTER DATED XX/XX/XXXX FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX LETTER TO COLLECT THE SAME DEBT AMT {$1200.00}. I CALLED THEM ON XXXX NO LADY WHO ANSWERED THE PHONE.I GAVE MY A/C NO, SHE SAID I DO NOT HAVE ANY INFORMATION ABOUT THE CASE. NOW I RECEIVED ANOTHER LETTER FROM XXXX XXXX XXXX. DATED XXXX XXXX. TO COLLECT THE DEBT. THEY ARE CALLING ME EVERY DAY ON MY CELLPHONE. THIS IS NOT MY DEBT.
03/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	OH 43551	Web
Hello, I am the principle owner of XXXXXXXX XXXX XXXXXXXX. We are an online seller of skull rings and jewelry. We recently had a claim from one of our former payment processors, First Data now owned by Fiserv, that our account experienced " Laundering '' activity. This has apparently been happening to several businesses according to the company that helped us obtain processing. We believe this is a generalization made with no solid evidence of " laundering '' activities as they shut down processing for several businesses in a very short time frame. We have no form of laundering as we are an online retailer that sells rings to customers located in the United States. We would like for this judgement of our activity to be removed from our history as it is impacting our ability to obtain additional processors. We stand behind our business and have done no act of laundering. Please help us remove this illegitimate claim from our reports.
08/25/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	NY 100XX	Web
In yet another XXXX occurrence from the company known as " XXXX '' sometimes moonlighting as First Data, or FISERV, these idiots have now erased all of my now 4 unnecessary XXXX accounts that they created, XXXX, XXXX, XXXX, and XXXX, but now this morning sent me a bunch of alarming emails indicating a credit card charge back from a former client, but now without the ability to see what the XXXX they are talking about, because as was stated above these XXXX have deleted any & all data relevant to said " charge back. '' We have previously accused this recently merged merchant services behemoth of targeting me & my XXXX XXXX business because we have filed various/myriad complaints against their various corporate names/incarnations for foul, terrible, awful, bad merchant service, with such XXXX employees as XXXX XXXX & others , who we believe roam throughout the company sabotaging our business 24/7. Please investigate and advise.
02/06/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Can't stop withdrawals from your account	MA 020XX	Web	Older American
I responded to the CFPB after your reply to my original complaint that First Data Corporation responded to my complaint number XXXX saying that they have not charged my account since XX/XX/2011, when we stopped the merchant banking services. My business account is still being charged each month {$19.00} + {$79.00} = {$99.00}. XXXX XXXX XXXX informs me that these merchant banking charges are being debited by First Data corporation. The charges after XX/XX/2011 are 10 years 21 months {$99.00} = XXXX XXXX XXXX = {$11000.00}. I have also sent them copies of the bank statements and the correspondence from XXXX XXXX XXXXXXXX that the charges are made by First Data Corporation. FISERV has been lying to XXXX XXXX XXXX, to me, and to you and refusing to stop the charges, even though they claim that they are not charging anything. They dont respond to emails and they dont answer phone calls. How do I get these illegal charges stopped?
05/16/2023	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 92223	Web	Older American
I used my card to purchase something online ( XXXX, ORDER # XXXX & XXXX ) on XXXX of XXXX. I did never received my orders till this day, XXXX, XXXX. However, I did attempted severally to contact the company requesting for my orders, through email message, and they keep telling me I will be getting it, and yet, it was all fase. But, as the month of XXXX and XXXX goes by, to close to ending. I contacted the company again, and yet nothing was done. I contacted the XXXX ( MONEY NETWORK ) to report the issue. The complaint description, and companies informations given to the Bank. I have called the Bank several times to get an update, also refund me the amount of {$140.00}. Since, I did not receive any of my orders till day. It's been about 3 months. I am really desperate for my money being refunded, credited back to my account. Since, I am going through great financial difficulties. I need my money refunded back to me. Thanks.
05/30/2023	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	MN 557XX	Web
Always " in progress '' never an actual answer. Why doesn't Fiserv answer with the information needed? I'm thinking this is some kind of scam or fraud. Third time on CFPB. Despite requesting correspondence through the mail only over XXXX weeks ago due to the failure of your staff in telephone communications ; Fiserv chose to leave an unaidable voice mail on XX/XX/2023. Are these phone calls coming from outside of the country? Only a week later I get on the same day a letter from Fiserv saying that my information has been sent to a debt collector and a letter from the debt collector. Not once did Fiserv provide an address to send the bill to ; only a phone number to call which never gets anywhere. Fiserv 's staff could not locate any information about this case over their phone system ; therefore, a bill could not be paid. Now they have sent it to a bill collector because they are incapable of timely mail correspondence.
12/07/2022	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	TN 37167	Web
I was working for XXXX XXXX out of XXXX Tennessee. I lost my Debit/pay card and called Money Network to cancel and asked what can I do? They told me there wasn't anything they could do but send me a check. I should receive the check within 7 to 10 business days. It has been two years now and still no check. I have made several calls with no help from them. I had moved onto a house boat and have them different address to send the check. Still nothing. They did send me an email after I lodged the first complaint with you and stated they had sent the check out XX/XX/2022. I replied that I had not received the check and asked what address was it sent to and had the check been cashed. Still no reply. Please help me resolve this matter, I desperately need the funds. Thank you for your attention and assistance in this matter and hope you can help me end this ordeal. Looking forward to hearing from you soon. XXXX XXXX
05/27/2022	Yes	Checking or savings account Other banking product or service	Closing an account Funds not received from closed account	CA 92701	Web
www.clover.com CLOVER XXXX XXXX XXXX XXXX XXXX XXXX This company started holding my funds from XX/XX/XXXX - XX/XX/XXXX and decided to close my account on XX/XX/XXXX. Clover, then wrote a letter to our company stating that it would take 30-90 days for us to receive the funds for any potential chargebacks, which we understood and we were patient and waited the full 90 days and we still have not received our funds that were on hold by them in the amount of {$5800.00} US Dollars. Our company has tried multiple times to reach out and get this resolved and we have not received any response. Our small business is family-owned and we opened during the COVID-19 pandemic and have struggled to make ends meet during this time and for this XXXX XXXX CLOVER to hold our funds for past the 90 days is very unfair and to not have any response by them is extremely frustrating. We hope we can get this resolved by your help. Thank you
12/29/2022	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 32210	Web
MY NAME IS XXXX XXXX MY BUSINESS NAME IS XXXX XXXX MERCHANT NUMBER, XXXX XXXX I CONTACTED MULTIPLE TIMES WITH THE XXXX COMPANY TO GET MY MONEY BACK. THEY GIVE ME A FINAL SOLUTION TO GET MY MONEY BACK. THE CLIENTS, AND THEY DID NOT WANT TO DO IT, I ASKED THAT THEY SEND ME A CHECK WITH THE FUNDS ALSO THEY DID NOT SEND IT TO ME, THEY TOLD ME THAT I HAD TO WAIT UNTIL 2 MONTHS TO RELEASE THE FUNDS TIME PASSED AND I HAVE WAITING FOR MORE THAN 7 MONTHS AND I DID NOT THEY GIVE POSITIVE ANSWERS, I ASKED THEM IF THEIR INTENT IS TO WANT TO STEAL THE MONEY, THEY DID NOT GIVE ME AN ANSWER, I NEED TO KNOW WHEN THEY WILL GIVE ME THE MONEY, AND TRIED TO WAIT CALMLY BUT I HAVE NO POSITIVE ANSWERS, IT IS NOT NECESSARY TO LOOK FOR A LAWYER AND SUE THE COMPANY FOR FRAUD BEFORE A JUDGE, SINCE WHAT THEY HAVE LET ME KNOW IS THAT THEY DO NOT HAVE THE INTENTION OF SENDING ME THE FUNDS TO MY POSTAL ADDRESS, NOR MAKE A REFUND TO CUSTOMERS,,
10/26/2021	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	MA 020XX	Web	Older American
My small business, XXXX XXXX XXXX XXXX, has a merchant banking agreement with First Data entered into on XX/XX/2011. We no longer need their services, but they bill our checking account every month. I tried to call this company to stop the merchant banking services, but their phone numbers do not work, are no longer in service, are disconnected, or give automated responses and then hang up. I checked the internet for information about this company. All of the XXXX consumer reviews say the company is a scam. My XXXX virus protection says that even their website is a scam. How do I stop the payments to this company? Our bank says it can not stop the payments since they have a merchant banking agreement. I am not able to contact this company ; an internet site says that other scammed consumers are trying to initiate a class action suit for fraud. I just want to stop our payments to this company ; how can I do that?
09/04/2021	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble getting information about the card	OH 435XX	Web
Hello, I was issued a prepaid card for {$750.00} from my employer with ADPMoneyNetwork, and when I called the number to activate it, there is only XXXX on it. Also, I am not able to register for an account on the website or app, moneynetwork.com. All of the information I entered is correct. I called customer service at XXXX and provided my information, then I was told that my birthday information was wrong and I need to send a copy of an ID with a birthdate on it to a fax number, which is XXXX. When I asked why my birthday information was incorrect I was told that I have to send that document or my account would be closed and I would lose my funds. I was just told that my birthday was the wrong month so I needed to send them a document proving otherwise. I never gave them this information in the first place so I don't know how they got it wrong. I can not get through to anyone on the phone or on the website.
06/08/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NV 890XX	Web	Older American
XX/XX/XXXX I opened an account with money network.I sell mattresses with XXXX XXXX in Nevada, temper-sealy payes spiffs. I had XXXX in XXXX of XXXX. I checked in on my account and money network said they closed it because they needed more information.they said that I was informed through the mail.I never received a letter.then I was told they sent a check for the account. A couple of months later I called saying I never received check.I was told they would issue a new check, they sent me a email showing date of issue and check number.again I have never received the check. I've called at least twenty timesXXXX number is a XXXX call center.they put me on hold for a long time without picking up.when I do get through they tell me nothing about what is going on. One supervisor was honest and told me funds are still on hold, she said your not the only one.when I email them email comes back mailbox full. Please Help
01/08/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	WA XXXXX	Web
I am a struggling XX/XX/XXXXlike so many are. I have been using my own personal credit cards to inject money to my business. I have since been told that's not ok. Fine but see the attached email to see what they asked for all things that if nothing else I would not give them anyway. They are asking for a customers personal information and my banking statements? Is that even legal? But here is the real problem they have held every deposit I should have received and I can't communicate with the risk department directly I have email them 5 times no response When I call the company they transfer you to a dead line to leave a voicemail I apparently have done something wrong ok I get it but they should release the money I have earned They cancelled the XXXX dollar charge but they have not given me any deposits this week. But they are withdrawing money every day for fees Please please please please help me.
04/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 460XX	Web	Servicemember
On XX/XX/XXXX I ordered a XXXX XXXX from XXXX for my daughter. It was guaranteed arrive of XX/XX/XXXX. I got notification on XX/XX/XXXX that it shipped and on XX/XX/XXXX I emailed the company and asked when it was arriving at which time I as asked did I received email on XX/XX/XXXX. On XX/XX/XXXX, I did not get my package, there was no tracking number, there was no way to track it and I thought that was odd, and so did XXXX rep. The seller tried to add another month to shipping and I wanted my money back, it felt like a scam, he emailed me and said he would refund me, XXXX said the same thing, I told them.both I was going to put my bank on notice and I did. After Investigation, I got my money back. Now i get I have been getting collections calls, and I got a collections notice in the mail, for the very thing I did not get! I am being harrassed for a package that didnt come, they are trying to steal from me.
05/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85040	Web
I received two letters the same day from a company name TRS recovery services listed with their logo on the letter. This is the first time I have heard of this company and the first contact I have received. In the letter they are claiming I owe a debt from XXXX XXXX XXXX the principle amount stated in the letter is {$14.00}. Transaction date on the letter is XX/XX/2021 with a transaction number of XXXX. The company is claiming that the return reason is hold on funds in account. They are charging a {$25.00} returned item fee which makes the total amount {$39.00}. On one letter the reference number is XXXX on the second letter there is no reference number. I have contacted XXXX and they have informed me that I do not owe them anything, my bank has verified that no funds are on hold and none of my payments has been returned. It is to my knowledge that this company is making a false claim and committing a scam.
02/09/2023	Yes	Checking or savings account Other banking product or service	Managing an account Fee problem	CA 941XX	Web
The XXXX XXXX XXXX XXXX located in XXXX XXXX, is a Foreign Government Mission, the XXXX contracted services with Clover XXXX and the First Data XXXX This company Clover XXXX, has been charging the monthly fee since XX/XX/2022 into a wrong account, we have been in touch with our First Data representative, and they just rolling us from department to department. It has been already more than 6 months requesting to our account to be fix, and until now they don't respond to our inquiries anymore and we haven't been able to reach any customer presentative with the credentials to fix this situation, this has been escalated to our First Data representatives and until todays no one has done much to help. The Clover Customer service is unreachable and when finally, we get someone over the phone they just keep rolling over departments. Our Service address is XXXX XXXX XXXX, XXXX XXXX CA XXXX. ( XXXX ) XXXX.
03/18/2022	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	FL 33181	Web
Money Network has not provide provisional credit to me in response to fraud and unauthorized transaction on my account. Money Network sent me letters asking me to fill out an excessive amount of paperwork to obtain refunds for the fraudulent and unauthorized transactions on my account. Most banks will provide the monies back to the customers account and then investigate the fraud and unauthorized transactions. Money Network appears to do the opposite and 1st send the customer paperwork to fill forms, then they investigate. The customer is then left to try to solve problems they did not create and do the work. The customer invests in the company, the company must to the work. Money Network needs to provide provisional credit to my account and investigate how the fraud occurred, not send the customer multiple sheets of paper to fill out when the information is provided to them at the time of the fraud.
06/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	CA 92865	Web
On XX/XX/2022 I went to XXXX XXXX to purchase a cellphone I needed immediately. My purchase was denied because TeleCheck ( XXXX ) XXXX denied my check to XXXX XXXX. I had over {$1000.00} in my checking account to more than cover the {$480.00} phone, and I have never bounced a check in my more than 40 years of writing checks. I've had this current checking account for 20+ years. TeleCheck said they denied my check because they had no record of my checks. I've written several checks a month on this account for the past 20 years! The fact that they have no record of my checks is NOT my fault... it is the fault of TeleCheck. What more do I need to do than write several checks a month for XXXX years???!!! So TeleCheck thru their own incompentence failed to track my checks, and is now depriving me as a consumer the ability to make purchases at companies that use their service. ( TeleCheck Case # XXXX )
01/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48045	Web
My bank account was hacked, resulting in XXXX charges made to XXXX for services I did not receive. I called XXXX when the first charge had posted to my bank account but was told that I would need to dispute the fraudulent charge with the bank. This resulted in XXXX additional charges hitting my account. My bank opened a fraud case and is investigating. The payments were stopped, and the account was closed. XXXX sold this account to a collection 's agency though ( TRS Recovery Services ). I contacted XXXX to advise of the fraud case and completed their required information to dispute the charges. I received a letter back from them dated XX/XX/2023 advising that they were denying my dispute and required a claim be opened via XXXX. I am a minor child who NEVER received ( and have never used ) XXXX however these XXXX charges are now in collections and the agency is not assisting me with resolving this.
02/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	KY 40214	Web
I received two letters 2 weeks passed the date it says at the top which is XX/XX/XXXX from TRS. One says I owe XXXX the other XXXX to a XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. I never been over there, ever. I called XXXX XXXX and they sent me proof a consumer report of never going over there ever. To the hotel or to the casino. I made a police report # XXXX in XXXX bc my purse was stolen however I don't even have checks that TRS recovery service is saying that has this address on it. My checks have my other house address. I called the sheriff in XXXX XXXX indiana. He thinks TRS is a scam. When I talk to TRS they sound so unprofessional. I try to go the ensure to dispute it. Its weird. They Barely knowing how to talk. To somebody. They Don't want to help me or think I'm lying. I need to get to the bottom of this bc this involves gaming officers. I get no help from them only to to go a website.
08/10/2021	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	SC 29210	Web
I am a victim of identity theft and fraud. XXXX XXXX is a online sports betting services. I used my debit card ( XXXX ) to purchase a betting slot on XXXX. The funds were readily available in my XXXX account but instead XXXX XXXX sold my information to a 3rd party debt collector called TRS Recovery Services , Inc a few days later. I have never had any relations, contracts or dealings with TSR Recovery until now. TRS Recovery Services, contacted me XX/XX/2021 in attempt to collect a debt. They DEMANDED that I pay the balance in full & that If I did not pay the full balance promptly, then they would assign the file to one of my collection agents for follow up. They continued by stating that the Agent would attempt to contact me by telephone and make recommendations for further collection act. These are all violations to my consumer rights according to the fair credit reporting act.
06/20/2021	Yes	Credit card or prepaid card Payroll card	Advertising Confusing or misleading advertising about the card	21784	Web
My son left his job at XXXX in XXXX, MD, where he had been issued a credit card. On XXXX XX/XX/2021, he received a letter from XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, FL, saying that they were in the process of upgrading his account to a premier account, but needed documentation under the USA Patriot Act to complete the upgrade. The letter asked for him to send 2 primary ID ( such as copies of his passport, driver 's license, military card, green card ) and 1 additional ID ( such as SSN card, utility bill, paystub, bank statement, etc. ) It also provided a toll free number : XXXX. Supposedly the offer was sent because he was no longer receiving payroll loads from his employer. It was signed " XXXX XXXX XXXX XXXX '' I'm concerned that the letter solicitation is a fraud. My son moved to another company, so he doesn't care to have a XXXX credit card, but others are not as fortunate.
05/08/2023	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	MN 557XX	Web
This complaint is regarding Fiserv for the second time. Fiserv XXXX XXXX XXXX XXXX Oh XXXX XXXX On XXXX at XXXXXXXX XXXX I called their number and spoke with XXXX in regards to a letter I received from Fiserv. She could not find me in their system using my name, social security number, or any other information I gave her. So then I asked if I should just disregard the letter and she responded yes. Since then I have received two more messages on my phone from Fiserv about reinstating my bill pay service, collecting payment. This company is impossible to deal with. They send me a letter and threaten that if I don't pay them it will be sent to collections but when I do call they can't find anything about me on their system??? How am I supposed to deal with this company? This has been going on since XX/XX/2023. I have long since changed banks so I can do my electronic banking.
06/27/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Confusing or missing disclosures	UT 84092	Web
I am a small business owner and I have a merchant account with Clover/Fiserv . This is how my company processed 80 % of our customer payments. On XX/XX/XXXX, the risk management department with Fiserv emailed me the following : The Risk Monitoring Team has identified a change in your current processing volume. I was asked to fill out a questionnaire which I did. I then had a 15 minute phone call with someone in the risk department at Fiserv on XX/XX/XXXX and I was able to answer some of her questions and clarify why my processing volume had changed. Clover has been holding {$6000.00} that was processed through my merchant account since XX/XX/XXXX. I have asked for an update from Clover and have received no response or communication. My company is struggling without access to funds that belong to me and I have been given no indication as to when my money will be released.
06/04/2023	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	NY 10457	Web
On or around XX/XX/2023 following a telephone call to a phone support specialist, I did fax over the requested documents with respect to my identity as requested. Specially, I advised the account team that my name on the account was incorrect and that such has lead to issues with fraud in the past. Therefore, the documents presented clearly illustrated my identity and as a financial institution the Money Network was/is required to have my true identity reflected on the account and in my name. After faxing over the requested documents, the money network falsely alleged that the documents were never received. Moreover, I have had several identity/fraud alerts since submitting the documents to the Money Network XXXX Based on these facts, Money Network has likely engaged in some type of fraud/identity theft scheme the aim of which is unjust enrichment and/or theft of assets.
08/25/2022	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	TX 75212	Web
My minor son XXXX XXXX made a purchase on XXXX on XX/XX/XXXX in the amount of {$190.00} for some shoes XXXX ( tracking XXXX ) states were delivered on XX/XX/XXXX but they never was. I was home all day waiting for the delivery. Once the tracking showed it was delivered we contacted XXXX which you can only chat with them, after chatting with a agent the agent stop responding and ended the chat on us. At that point we contacted Money Network to inform them about what happened and placed a dispute. Which they sent out a form for my XXXX to sign and I also sent Money Network a copy of the chat. Well today XX/XX/XXXX I received a letter from MoneyNetwork stating my son claim was denied because XXXX sent them verification of delivery which is only the tracking number that I stated above. So im reaching out to you to help me get this resolved since Money Network isnt helping us.
04/26/2022	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	TX 77494	Web
I had a payment arrangement with XXXX and I used my checking account information for the payment. I have had this account for more than five years. I use the routing and account # for electronic payments all the time. My payment with XXXX was declined saying they would not accept due to information from Telecheck. Knowing I do not have bad checks out there, I call Telecheck who states they declined my payment, defaulting my arrangement because I had not had any transactions with them. I feel this is ridiculous. I can see blocking my payment if I had bad checks but not because my transactions have not gone through tele check. Telecheck needs a different way to verify if someone authorized something other than denying needed payments. Now I am told I can not pay until their system refreshes and she did not know how long that would take but I need to submit the payment now.
12/21/2020	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	KY 402XX	Web	Older American
I had some check free bill pays to 3 credit cards rejected by XXXX XXXX without notice. I contacted check free bill pay on XX/XX/2020 and they were very helpful and found 52 bill pays rejected and returned by XXXX XXXX ranging from {$1900.00} to {$2400.00}. These are not in question by CFBP, they were forthcoming in disclosing these. I have bill pay payment dates and amounts on 3 credit cards that were returned to CFBP and are in their system as such. However, CFBP wants me to go to XXXX, where the payments were made, and wait while XXXX processes these 1 at a time. I am a XXXX yr old male who had a XXXX XXXX 1 yr ago and under the circumstances i find it to be a very dangerous idea. Can you please have CFBP issue me a lump sum check for the funds they have that were returned by XXXX XXXX? Thanks, if you need the account numbers please let me know XXXX, XXXX XXXX.
12/31/2021	Yes	Checking or savings account Other banking product or service	Problem caused by your funds being low Late or other fees	GA 30034	Web
During the beginning of the pandemic, I experienced low funds due to working less. I was using XXXX XXXX ( managed by Fiserv ) and some checks had NSF. Fiserv ended my electronic bill pay in XX/XX/2020. I have called and tried to get assistance to have it reinstated. I have called Fiserv and literally have CSR laugh at me. I was told 90 days until electronic payments were reinstated. Then I was told six months. Then I was told one year. Fiserv told me that they basically handle the bill pay for every major bank, so I can not get electronic bill pay by changing banks. Fiserv currently MAILS checks to the vendors. As the post office gets slower and more mail gets lost, I am constantly hearing that my payment is late and getting collection calls. All I want is fair treatment from a big bully Financial Corporation named Fiserv and have my bills transferred electronically.
01/13/2021	Yes	Money transfer, virtual currency, or money service Virtual currency	Money was not available when promised	SD 57106	Web	Servicemember
Regarding Cardconnect, a First Data Company : Their risk department closed our account without warning. Of the five days worth of processed payment transactions ( Batch receipts for XXXX = {$490.00} ; XXXX = {$370.00} ; XXXX = {$190.00} ; XXXX = {$260.00} ; and XXXX = {$400.00} ) totaling {$1700.00}, we received nothing into our bank account. I called Cardconnect and their origination entity ( XXXX ) numerous times and was told our credit card processing account was closed by their risk department. They said that since the account was closed, the charges were not processed by Cardconnect. That means that services we provided were not paid for because Cardconnect said they didn't charge the money, even though we have receipts showing everything was settled successfully. There is no way for us to recover that money. We view this as theft on the part of Cardconnect.
12/15/2022	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	TX 77077	Web
hello there has been multiple charges on my XXXX credit card that i did not authorize. i reported them twice and the company refused to credit them back to my account. i reported them by phone and once by mail. when i called once i found out that the transactions i discussed on the phone was not reported correctly to their fraud department. probably because an operator error that couldnt report it correctly. based on master card zero liability i am not liable for somebody else spending my money and i reported those transaction less than a month of the charges happened but they didnt process it and then they said its too late! the list of all fradulent transactions are XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it is more than XXXX $ of transactions that the credit card company is refusing to credit back
03/30/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting a working replacement card	CA XXXXX	Web
The XXXX XXXX XXXX XXXX thru Money Network XXXX and XXXX is most likely a way for this company and their cronies to make money off the poor and the government. Withholding stimulus payments and making fees. This all seems like it's purposely hard. The card mysteriously isn't sent for months then they send a letter asking you to call to get it. That takes another XXXX weeks. If you even get it. My XXXX stimulus was directly deposited. The XXXX ones hard to get because they gave their greedy buddies a side piece of action. XXXX. This is completely unnecessary except for a few greedy men ti the make money off the many. This company needs to be looked into for the good of the people. They have it set up so they make money and/or keep it from those who don't have the resources to fight it. I'm pretty sure there is a class action lawsuit here somewhere.
12/09/2021	Yes	Credit card or prepaid card Government benefit card	Unexpected or other fees	CA 91744	Web
Ive had a claim since XXXX and it got denied according to them because I didnt submit claim papers but I have screenshots and my emails to prove that I have sent I then call them to speak to a manager and tells me they havent got my emails so then i said okay well on my side it shows that I am sending it to the correct email and then they keep telling me to wait a couple days to update I been waiting its now several months and I made a new claim and the same thing so Im like okay so whats the next procedure because yoi guus keep telling me the same thing over and over and I keep waiting and each one tells me to wait till it updates I have screenshots that I am sending it to the correct emails Ive sent in the detective information Ive sent in police report and pictures of my place burglarized. On where all my knflrtmairon and passwords were stoled
07/07/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Wrong amount charged or received	TX 76063	Web
I am reaching out to you about an unpleasant experience that my company is currently experiencing with First Data/ XXXX XXXX XXXX XXXX and fraud team in the hopes that you will be able to help resolve it. My company has been using first data merchant service for almost a year now and as of XX/XX/2021 First data has held all our deposits to complete a fraud review of our account. As of today they now have over {$30000.00} of deposits that have been held for 10 days. We initially received no communication to inform us that this fraud investigation would be happening, why our account has been flagged or how long this process would take. We are a small XXXX XXXX XXXX XXXX and can not afford for our cash flow to be held for over a week especially during a pandemic and a labor shortage. My Merchant ID for this company is Merchant Id : XXXX
03/05/2021	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	CA 90023	Web
Hello, I have Money Network debit card, this card is where I get direct deposit from work, the day I received my direct deposit I got 2 notifications via email this was from Money Network, so I open the email 2 transactions for {$XXXX} each made in XXXX ATM in XXXX, CA, at thT point I was working in XXXX XXXX, CA I called right away to Money Network they canceled my card and send me a new card, they said that a dispute was filed so I was waiting to get my money back, in the end of the day Money Network sent me a dispute letter where saying that they denied my claim and my file was closed, so I didn't get my money back and there was no investigation from their side, what can I do now? {$600.00} total! I need my money back, so sad I have bills to pay, I need the money, my money that is not fair, bad company Money Network just trash company.
07/12/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	PA 190XX	Web	Older American
In early XXXX I received a credit card from Money Network that I do not recall applying for. I tried to call the company but they will not let me email or contact by phone without me giving them the last XXXX of my social security number, which I do not want to do. As an FYI, the card number is XXXX XXXX XXXX XXXX. It is in the name of XXXX XXXX. I usually use my middle initial, which this does not have. It does not seem to be a solicitation for credit - if it is- it is very misleading. I am a public interest attorney so I am particular concerned about this time of issue. I also want to know if they connected with my any of the credit reporting agencies. It does not look like they did as I they include my middle initial. My score is in the mid XXXX and I do not want any company contacting the credit agencies without my permission.
05/25/2023	Yes	Money transfer, virtual currency, or money service Refund anticipation check	Fraud or scam	SC 29803	Web	Older American
The XXXX department of labor uses a company called money network that inputs short term XXXX payments using their debit cards. I can not get the funds as the card was compromised and closed. Since XX/XX/2023 I have been trying to get resolved. Finally on XX/XX/XXXX I was told they ( money network ) will send me a check for the amount on the card. I called mid XXXX when no check was received. They keep telling me it should be received within ten business days. I have spent countless hours on hold. Each time they give a different date in XXXX. Today they just said 8 to 10 days from XX/XX/XXXX. They are obviously holding this money for some reason whether they dont have funds. I want my money and this company investigated for fraud. If you do a season reviews of complaints on this company you will see what Im writing about. Thank you.
05/30/2023	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	CA 96080	Web
My middle class tax refund card was stolen. I gave have been trying to get the {$700.00} in fraud on my card reimbursed since XX/XX/2023. My claim was denied after an almost 90 day investigation. I have not received any documentation regarding my claim. I have asked numerous times for the denial notice and documentation associated with their investigation be sent to me. I have received nothing. I emailed an appeal on XX/XX/XXXX. When I called and asked for status I was told that nothing is being done with my appeal and no investigation is under way. I have been getting the run around for months. I have talked to several supervisors who have emailed the fraud department asking why my claim is denied and to send the documents to me but they never receive a response or send the documents. I would like the funds refunded immediately.
07/27/2022	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 92392	Web
I contacted fiserv on XX/XX/2022 I had spoken to XXXX and a XXXX. ( Through email and phone they have omitted the phone call of calling me XXXX names to protect their brand ) I was told to submit a police report and identity theft report which their response proves I am a severe victim of identity theft. I was called a " XXXX '' and told " they always want stuff greedy XXXX '' I am saddened I did everything I was told yet I not only never received my payment back for my children and I but I was also called XXXX names and totally prejudice acts I had to endure. Please help so no other protected class individual has to be mistreated by fiserv/money network. I have submitted a police report and " all '' documents needed to dispute my claim properly and replace my funds, yet to no avail. They will not accept my documents. Thank you.
12/19/2023	Yes	Prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	CA 949XX	Web
I never received my middle class payment from the XXXX XXXX XXXX. i reached out to the XXXX and they said i had to speak directly with the company that was issuing the payments on their behalf. I reached out to Money Network and they explained that the card had been mailed to me and that the balance was XXXX. i explained that i never received it. They said they would look into it. They said they will not reach out to me, but that i had to reach back out to them in 6-8 weeks. i just tried to contact them and can not speak to a person unless i have a card number to enter into their system. i can't do that as i never received the card. i did receive a 1099 from the XXXX stating that the money was sent to me. I NEVER RECEIVED IT!! i am reading about a lot of fraud with these cards,. Please help me. The amount was {$700.00}
03/18/2023	Yes	Credit card or prepaid card Government benefit card	Unexpected or other fees	NJ 082XX	Web
These people are off their rocker -- Basically telling me that they closed my dispute claim because either A, they didn't receive any supporting documentation from me, or B, the documentation I sent them wasn't sufficient enough... Being my documentation is more than sufficient, I'm going to go with A. If it's B, they need to explain how what I sent them does not support my claim, because it clearly does. This is not the first time this has happened with this company regarding disputes. Seems as though they're either incompetent, illiterate, or just don't check their email. All I know is, I'm getting sick of the same old thing every time I file a dispute, and then I have to go through this. They seriously need to step it up or I will be filing a complaint against them with the New Jersey Department of Banking & Insurance...
01/02/2024	Yes	Prepaid card Government benefit card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	MA 01104	Web
Money network will not respond i have multiple transactions i need to dispute and i cant get in touch with anyone all i get is a busy tone. I will list the transactions that are unauthorized. I never shared my card info nor my pin. I am not sure who used my info but i really need my money back. Please help me.there is also a few pending transactions from the merchant XXXX XXXX that i would include with the dispute because all transactions from the merchant are unauuhorized Card # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX XXXXX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, when I checked my online chase bank account, I saw three fraudulent checks {$3000.00}, {$2400.00} and another {$3000.00} withdrawn from my checking account. I called XXXX XXXX department at the same night. They froze my account. After my chase checking account was frozen, there were two checks by the Telecheck services automatically rejected by XXXX. All fraudulent activities seems happen around New York where I stayed at Texas and never been to New York for the last 10 years. XXXX has investigated the fraud and refunded my account. Telecheck services sell the two rejected checks to debt collectors, I have responded with the debt collector, but Telecheck services continue to sell the debt to different debt collectors.
04/22/2021	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	AK 996XX	Web
I have an EIP card sent to me its a VISA Debit card Money Network. The card is issued by XXXX, XXXX, Member FDIC pursuant to a license from VISA U.S.A., Inc. I called their customer service number at XXXX and asked them to list my pending transactions and they insisted I give them my social security number to further get into my details so I did give them my social security number and soon after I gave the customer service guy my social security number he hung up on me! And then I called back a second time to let costumer service know what happened a lady answered this time and she insisted I give her my social security number so I hung up not knowing if this is allowed or not. I am worried the customer service man I have my social security number to might fraud me and I was hoping you can rest my mind on this situation.
01/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL 60068	Web	Servicemember
XXXX incorrectly charged my account for {$5.00} and {$15.00} on XX/XX/2021 and subsequently reversed the charges on XX/XX/2021 due to their error. Despite this error by XXXX, XXXX reported my account as past due and sold my account to a collection agency called TRS. TRS has been harassing me despite me sending them proof that I do not owe any money and this was an error on behalf of TRS. I called on XX/XX/XXXX and also on XX/XX/XXXX. I also filed complaints with the Attorney General in California against XXXX and Attorney General in Georgia against TRS. Despite this, both XXXX and TRS keep pitching my case back and forth and blame the other for not clearing up my records. I need CFPB to intervene since neither of these companies know what they are doing and can not clear up my records without your assistance. XXXX
09/01/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Late or other fees	NJ 074XX	Web
On XX/XX/22 my debit card was used to pay for a utility bill in the amount {$9600.00}. This was a fraudulent charge. I did not have any outstanding utility bills. The reason why I did not see this and I reported it to the bank so late- a year later- was because I had {$150000.00} in my bank account so it was an oversight on my end. When my accountant did my bookkeeping this year for my taxes, he noticed the unusual charge-That is when I noticed this was an unauthorized transaction. Unfortunately, the bank is unable to credit me because its been over 35 days. I also attempted to call the merchants where the bill was paid, and the merchant was unable to give me any information without an account number. I do not have an account number because this is a fraud. Any help would be appreciated so that I can recoup this money.
01/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08021	Web
This inquiry is on my credit report. I am suspicious of this inquiry. # XXXX I don't recognize it. I contacted XXXX about this inquiry. They said this company ( XXXX XXXX ) does not have a valid contact number. They said they have a number listed as XXXX. I want to know how and why this inquiry got on my report. The credit bureau needs to remove it since it is sort of obvious there might be some sort of fraud involved. I want to see proof that I gave consent for this inquiry on my report. This needs to be removed if the proof is not provided. These inquiries affect the consumer 's credit report. Therefore, we take matters like this very seriously! We can file lawsuit and possibly win in courts where the credit bureau or creditor will have to pay additional fees for the false inquiry on the consumer 's credit report.
01/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11364	Web
My car was stolen on XX/XX/2022 and my wallet was in the car also. All of my credit and debit cards, store cards, XXXX personal check were in my wallet. I have already reported to police and frozen all stolen cards. However, I found there was a check value {$830.00} from XXXX charged on my XXXX checking account since XXXX ( or XXXX, I forgot the accurate date ). Then I tried to dispute with XXXX and XXXX, however I found they tried to charge me again on XX/XX/XXXX. I called XXXX again to dispute and the customer service advised me to close current checking account that XXXX keeps charging and open a new one, so I went local branch, closed and opened a new checking account. Recently, I received a call from XXXX about I owed them {$860.00}, so I disputed with them again and now they need some documentations from me.
06/02/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble closing card	MI 48042	Web	Servicemember
Money Network Financial has incorrect names on the XXXX XXXX XXXX XXXX. The card member services phone number does not allow for contact with a representative. The only option for changing the name requires faxing of sensitive information. No one has fax machines anymore, and the only access to such a device is at my public library which is closed until further notice. After much struggle I was able to authorize transfer to my regular bank and am now trying to close this account. I don't not want this account or want this company to have access to my personally identifiable information such as my social security number. There does not appear to be any way to close the account. The email contact link does not function and the phone menu does not allow for contact with a human or the option to delete the account.
04/02/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	MN 55434	Web
Money Network changed their fee terms without informing me. Prior to this ( and I have all the statements and fee structure form ), an account in good standing was charged no fees unless no activity occurred in six months. This changed without any notice in XX/XX/XXXX. They now charge a fee of {$5.00} which I have now paid 6 of them ( {$30.00} ) unwittingly. I have sent the complaint to Money Network and I reached Summer on XX/XX/XXXX at XXXX XXXX. They said that the fees could not be refunded as it was my fault that I did not pay attention to the notice. I certainly did not get a revised notice and still have the old one on my desk. I am sending a picture of the relevant page and that as long as I had activity within six months, no fee would be charged. I also send my statements proving that I was charged.
03/16/2021	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble getting information about the card	CA XXXXX	Web
Received a {$600.00} XXXX card recently. Apparently I either did not create a password or did not record the password correctly because I am unable to use it : getting a password incorrect message. So I called the customer service number on the back of the card ( XXXX XXXX XXXX XXXX ) because I read on XXXX that if I phoned customer service I would be able to reset the password. Unfortunately, upon reaching customer service I am asked for the XXXX card number and then its password! The recording would not let me continue without the password. I tried several different options from the recording but can get no place without the password ( which is why I am calling ). I am reaching out to you in hopes of resolving the problem or at least alerting someone to the issue. Thank you. XXXX XXXX, XXXX XXXX
06/17/2023	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	MD 20715	Web
My purse was stolen on XX/XX/XXXX. Fiserv cut off my online bill pay to collect a payment sent out that day that they couldnt take out when my account was frozen by the XXXX. As soon as I was able to reestablish my checking account on XX/XX/XXXX, I called Fiserv and gave them permission to debit my new account for the amount. On Saturday, XX/XX/XXXX I discovered they had cut off my access again to collect the same transaction. ( 1 ) I paid them for that. ( 2 ) They provide no way for some one to make a telephone payment or online payment only to one of their call center service reps Mon to Fri thus denying me access to pay my bills over an entire weekend. This isnt right. Theyve now victimized me twice more after the thief. Further, their relationship is with the Bank not directly with the consumer.
02/07/2023	Yes	Money transfer, virtual currency, or money service Refund anticipation check	Lost or stolen check	CA 92392	Web
I received the middle class tax refund, I activated my card and the same day I received an email from money network to open an account to keep track of my spending etc... so I did, I did not use the card for about a week, and when I did there was XXXX XXXX on the card. I called money network and filed a claim that my money was stolen, waited 3 weeks and contacted money network again and the agent told me that my information was entered wrong and that she would have to refile my claim and not to call back until XXXX XXXX i am a tax paying american citizen, I earned that refund and because of the shoddy handling of peoples information, and no security in place my money is gone. I have been waiting since XXXX XXXX XXXX XXXX was ruined I was counting on that money. can you please help me get my money.
01/15/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Don't want a card provided by your employer or the government	OR 97123	Web	Servicemember
I received a Economic Impact Payment Card in the mail the week of XX/XX/XXXX. I did not want to activate the card because the issuer wanted my SS number and banking information. It wasn't clear to me that it was connected to the government stimulus package. I could not find any details through the IRS.gov website. My tax preparer did send me additional information about the terms and conditions but could not vouch for its legitimacy. Under the terms and conditions it states I can opt for a check payment by contacting their customer service. When I used the number listed it goes straight to card activation and never to customer service. The card is enabled by Money Network and is issued XXXX and the only number listed is XXXX. I just want a check issued to me just like the previous stimulus check.
11/03/2023	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	CA 93065	Web	Servicemember
I had XXXX stolen from my bank account, it got stolen within XXXX XXXX hours all from XXXX and XXXX XXXX charges, clearly fraud. Upon calling my bank they told me to submit a claim. The claim got denied weeks later and they told me to submit a dispute. They took 90 days to respond to me just to tell me that they dont have anything to do with it and to call XXXX instead. Upon calling XXXX i got told the charges were too made a long time ago so they cant refund and they couldnt do anything about it and to contact my bank. They both gave me the run around I am a injuried XXXX XXXX and living check to check and this set me behind in paying my bills and over charges and my entire life fell behind because of this. It is unfair a hard working veteran gets treated like this. I bank with XXXX XXXX XXXX
08/23/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VA 242XX	Web
I called TeleChek on XX/XX/2022 and XX/XX/2022 to settle debt I found out I owed during a back ground check for an apartment complex. I was told that they no longer housed the debt on XX/XX/2022 and was provided a third party phone number to settle the debts which I took care of and was provided two reference numbers XXXX and XXXX for two payments coming from my bank account. I called telechek again today because the apartment complex said it still had not cleared the telechek system. I was then informed that they still showed I owed when i was originally told that the debt had been sold. i feel as though they are double collecting debts and now know that since this is a desperate situation for housing needs that i will pay regardless. this is urgent and needs fixed today as i will be XXXX
12/11/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	IL 609XX	Web
On XX/XX/XXXX a workman compensation settlement was to be direct deposited to my account in the amount of XXXX. The law firm that sent it said it cleared on the XXXX XXXX XXXX, i however missed a number on my account, now i have been ran in circles for a month trying to locate funds. I have been giving conflicting info by multiple supervisors, i was told on XX/XX/XXXX thats the funds had been located and being sent back to my lawfirms bank.The law firm never recieved anything back, now the bank customer service is being no help told me contact irs, which i did and they have no clue what the bank is referring to.Today i was told the money went in the wrong account and has been spent. So now a month after this all began XXXX looking at eviction.money network has stolen XXXX from my family!
07/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IA 501XX	Web
I received several letters from TRS Recovery Services on XX/XX/2022. These letters accuse me of owing a debt to XXXX XXXX for a total of {$68.00}. I have never made any purchase from XXXX XXXX. TRS Recovery Services state they have entered this debt into the nationwide database. This is not my debt and I can not have this false information used against me and my good credit! I called the number on the letter which led me to their website. I went to the website and was redirected to the letter. XXXX XXXX. I submitted a dispute to this Debt by mail but the company has more than XXXX XXXX XXXX XXXX I am concerned that TRS will claim they have not received my dispute and will proceed with the assumption that this debt is valid. I don't know what happened here but this debt is not valid.
07/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PR 00969	Web
On XX/XX/XXXX i made a order on XXXX, XXXX # XXXX Order total {$87.00} ( XXXX items ), they Charged me XXXX times for the same order. I summit q claim to my bank and XXXX and a receive XXXX payments totaling {$260.00}. Now they sent that amount to a collection agency charging me the XXXX payments with reference number XXXX for {$87.00} XXXX for {$87.00} XXXX for {$87.00} The name of the agency is XXXX XXXX with the agency are very difficult and everything must be solve online, the put on hold my XXXX account affecting my ability to purchase stuff that i only buy on XXXX. I called multiple times to XXXX and they told me that the only thing they can do is filling a form and contact me XXXX to XXXX later. I work in a financial institution and i cant have debts in collections.
12/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38127	Web
This debt is not mine due to fraudulent activity on my account and the result of unauthorized transactions that were placed, my response is going to be the same. I notified your office with a debt validation letter saying I owned this debt with my signature, and evidence this wasnt fraud, Im a victim of identity theft/ forgery please prove you are the original debt collector if you cant prove that you are the original debt collector, and not speaking on the behalf of any other company this debt needs to be closed. Unauthorized transactions on my account Im not liable for once again this is due to fraudulent activity, and forgery my account was taken over I have and had no control over that, my account was hacked like many other Americans that Is a victim of fraud I have rights.
12/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 38127	Web
This debt is not mine due to fraudulent activity on my account and the result of unauthorized transactions that were placed, my response is going to be the same. I notified your office with a debt validation letter saying I owned this debt with my signature, and evidence this wasnt fraud, Im a victim of identity theft/ forgery please prove you are the original debt collector if you cant prove that you are the original debt collector, and not speaking on the behalf of any other company this debt needs to be closed. Unauthorized transactions on my account Im not liable for once again this is due to fraudulent activity, and forgery my account was taken over I have and had no control over that, my account was hacked like many other Americans that Is a victim of fraud I have rights.
06/30/2020	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Problem using the card to withdraw money from an ATM	MA 013XX	Web
I RECEIVED THE EIP VISA DEBIT CARD FROM US GOVT. I FOLLOWED INSTRUCTIONS TO CALL XXXX. MULTIPLE CALLS RESULTED IN SAME INSTRUCTION TO ENTER A PIN ON AUTOMATIC MENU, NO AGENT SERVICE. ACCORDING TO INSTRUCTIONS ( on line and written info ), THE AUTOMATIC MENU IS SUPPOSE TO ASK ME FOR LAST OF SS #. I NEVER HAD THAT OPTION. I TRIED UNSUCCESSFULLY TO REGISTER ON LINE BUT WAS UNABLE TO ESTABLISH A PIN. I WENT SO FAR IN THIS FUTILE PROCESS THAT I REGISTERED WITH THE BANK, MONEY NETWORK, IN THE HOPES TO BE ALLOWED TO ENTER A PIN FOR THE DEBIT CARD. I HAVE TRIED CALLING THE MONEY NETWORK BANK BUT CONTINUOS BUSY SIGNAL. I DO NOT WANT TOBE PART OF THIS BANK 'S SYSTEM. VERY POOR CUSTOMER SERVICE. I WOULD GREATLY APPRECIATE HELP IN GETTING A PIN IN ORDER TO USE THE EIP CARD.
08/27/2021	Yes	Checking or savings account Checking account	Managing an account Cashing a check	AR 71901	Web
I went to cash a check it was declined by telecheck I called them they said my DL was linked to some bad checks that were wrote on my account in XX/XX/XXXX& XX/XX/XXXXI told them that was impossible I was locked up in prison from XX/XX/XXXX-XX/XX/XXXXI sent the paperwork over several times they still havent updated my file I still cant write a check they told me I had to pay them before it would be removed and I can write a check I am not paying for something I didnt do. I have been hung up on they lie they refuse to help me and do their job. Something needs to be done with this company its sad and horrible. At this point I dont know what to do I cant get any help. Please help me I have nothing all my money is in my checking account I cant draw on because the block.
11/08/2023	Yes	Prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	CA 92139	Web
THIS IS FOR THE MIDDLE CLASS TAX RELIEF BENEFIT CARD IN CALIFORNIA ALL, EVERY SINGLE TRANSACTION WAS AN UNAUTHORIZED TRANSACTION MADE BY CRIMINALS WITH ACCESS TO MY FUNDS. THE STOLEN FUNDS WERE MADE AT A PHARMACY AND FAST FOOD FOOD BY THESE CRIMINALS. THESE CRIMINALS CREATED AN ONLINE ACCOUNT WITH THEIR EMAIL AND I DO NOT HAVE ACCESS TO ANY INFORMATION. I ASKED FOR A REFUND CHECK TO BE MAILED TO MY ADDRESS MONEY NETWORK IS NOT RESOLVING ANYTHING AND HAS NOT SENT THE CHECK AND NOW REFUSE TO GIVE ME ANY STATUS UPDATE BECAUSE I DONT KNOW INFORMATION ON THE CARD BECAUSE I NEVER HAD ACCESS TO BEGIN WITH. MONEY NETWORK LET HACKERS STEAL MY INFO AND IM THE REAL PERSON NOW THEY WANT TO VERIFY MY IDENTIFICATION AND BECAUSE I CANT VERIFY THE AMOUNT ON THE CARD THEY CANT HELP
02/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 079XX	Web
Good Afternoon, I was sent numerous letters from TRS Recovery Services , Inc., regarding two alleged transactions that originated with XXXX XXXX : XXXX ( XXXX ) for {$100.00} XXXX ( XXXX ) for {$50.00} The current creditor is listed as " TeleCheck Services , Inc. '' However, at no point has there been outstanding debts with that company. I reviewed my bank statements and my deposits/withdrawals with XXXX, and there are no discrepancies. I spoke with XXXX XXXX, the alleged original creditor, and was told that there were no outstanding debts and that I should ignore this request. However, I am still getting letters from this company and would like to report them for fraud and misleading practices. Please let me know if I can provide any additional information.
03/04/2022	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	TX 782XX	Web
On XXXX, I received a notice from the XXXX that someone filed at complaint against me. Shortly after that, I received a notice of recovery from XXXX XXXX XXXX. Apparently, someone wrote a check in my name to XXXX 's XXXX XXXX. XXXX. Check # XXXX for {$100.00}, from someone claiming they were me. I disputed the complaint online that this was not me, but someone claiming to be me. No police report was made by me because I did not make this purchase nor know about it. I have not been provided a copy of the check, so I do not know if my name was on the check. There has been no check taken out of my bank as specified.TRS has not provided me any proof of this transaction being related to me in any way. XXXX filed a complaint againt me on my credit rating report.
05/11/2020	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	KY 42701	Web
After ordering from XXXX they suspended my account. They sent me this info in an email that you can not reply back to. Routing : XXXX Business Account Name : XXXX XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX, KY XXXX Account Phone : XXXX EIN : XXXX The funds were taken from my business account and I never received any of the items I purchased. I called Telecheck and they told me I had a negative remark on my drivers license from an account with XXXX XXXX. My drivers license is from the state of Kentucky and the number is XXXX. Upon hearing this I call XXXX XXXX because I have never had an account with them. They pull up all of the info and tell me they dont show anything. I want to know wh is lying and has fraud been committed against me?
08/02/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 91352	Web
As for my complaint about Money Network bank not giving my {$1400.00}. & $ {$600.00}. Stimulus checks. You have sent me a response that this is closed. When it is far from being closed. Theyre response was inappropriate once agrian trying to place the blame on me & not doing theyre sue deligence in seeing that it was not me who activated and used my cards. They sent another number responsible for doing that. And as a side note added my number as though it was I who activated and used my card when in plain daylight it was the other number. Guilty of perpetrating this crime upon me. I do not know who that other number is but I can assure that that is the perpetrator that commuted this crime. So how could my complaint on that bank possibly be closed????
05/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92344	Web
Someone has access to my social security number, various forms of identification, and birth certificate. Have had multiple bank accounts breached. Multiple fraudulent charge claims utilizing bank wire transfers have been filed with XXXX XXXX XXXX XXXX. With XXXX XXXX, I had fraudulent charges on XX/XX/2022 for {$500.00}, XX/XX/2022 for {$10.00}, and XX/XX/2022 for {$20.00}. First bank account breached was with XXXX XXXX. Then I moved to XXXX and had that bank account breached. With XXXX, I had a fraudulent charge of {$400.00} on XX/XX/2022, and an attempted fraudulent XXXX payment on XX/XX/2022. I am now in the process of moving to XXXX XXXX XXXX. On all attempts, customer care was contacted in order to reverse or return money and report charges.
08/14/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	VT 051XX	Web	Servicemember
On XX/XX/2020 the IRS said they mailed me a XXXX $ stimulus check. I never received it. The 2nd week of XXXX I called and found out I was issued a debit card. I have still not received it. My name is XXXX XXXX XXXX XXXX XXXX XXXX Vermont XXXX is the original adress of record. I have since moved to XXXX XXXX XXXX XXXX Vermont XXXX. I even paid extra to have the money within 10 buisness days and that never happened. I called the IRS said I must call MoneyNetwork there is nothing they can do for me, I have tried to call MoneyNetwork several times to no avail, even paying extra to get the card I have still not recieved it as of XX/XX/XXXX!!! Where is my money? Why can I not get a human being on the phone with the bank? This is a scam! Still waiting,
07/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA XXXXX	Web	Older American, Servicemember
On XX/XX/2021, I received communication from a debt collection agency requesting payment from an unpaid debt to XXXX 's XXXX XXXX XXXX XXXX in the amount of XXXX ( XXXX + service charges XXXX XXXX. The amount is to be sent to TRS Recovery Services XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CA. XXXX. Reference # XXXX There is a GA XXXX XXXX XXXX, XXXX, GA XXXX, and inquiries telephone numbers, XXXX, XXXX listed as well. I do not owe this debt. My last payment of XXXX was made to the credit card that XXXX 's promotes in XX/XX/2021. XXXX 's has no record of this debt and the credit card company shows a zero balance. As you will note that my address is not correct in the letter and this club does not allow products to leave the store without payment.
07/21/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21771	Web	Older American
I received a letter from TRS recovery services/XXXX - Address:XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, telephone XXXX, XXXX. Letter states they're communicating from a debt collector and its an attempt to collect debt and that any information obtained will be used for that purpose. Reason Check returned, account closed. The amount they are trying to collect is TRS/XXXX for {$28.00}, fee {$25.00} total amount due {$53.00}. It also states to send the money to Return Mail Processing Center, XXXX. XXXX XXXX, XXXX, GA XXXX. I called my bank and they warned me that it was fraud because another customer had reported the same. I call XXXX and they did have the correct amount but I did not owe them anything because my purchase had gone through ok.
02/18/2023	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble getting information about the card	WA 98223	Web	Servicemember
The MoneyNetwork website and phone customer service line are not in sync with regards to trying to recover a lost PIN. There is no alternative to calling their XXXX number and the automated service menu doesn't recognize the account number, despite my being able to log in to the account. And in the account there is no PIN functionality at all, not even mention of it within the log in site, just the incorrect instructions on the external site. It's not even obvious if these people even exist anymore. But I'm quite confident they're earning interest on the funds that taxpayers can't use because of failing to provide basic PIN update functionality. The account has the full EIP XXXX amount just sitting there, and without a PIN is of no use.
02/16/2021	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	CA 903XX	Web
Unauthorized transactions were posted to my account between XX/XX/XXXX and XX/XX/XXXX, in the amount of $ XXXX. I never received a card which allows access to this account. Provided you cant know what you dont know, I did not know there were unauthorized transactions on my account, when I became aware I immediately contacted institution regarding the transactions. Money Network alleges I set the PIN, I reiterated I never received the card. I am reaching out because the company claims my statement of facts is inconsistent and conflicting, I feel this is vague and complete lie, and also an attempt to shift burden of proof on the individual. My account of events has been consistent and I do not enjoy the tap dancing occurring around my issue.
07/29/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 33463	Web
I have Money Network, through my job. On the XXXX of XXXX, I received a ping that said XXXX dollars was taking out of my account. I immediately contacted money network. Secondly the money was withdrawn in another county. I have never used my card outside my county, due to the fact, I have no car. I have not used my card since, the incident. I have been transferring all funds to my bank account. I sent in the proper paperwork, and everything that was asked of me. I finally received a letter on the XXXX of XXXX, that my dispute was denied. Called multiple times, trying to get in touch with the dispute department. Was told there is no phone number, for the dispute department, only fax. So now Im in the process of having to file an appeal.
01/17/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94589	Web
On XX/XX/XXXX, I was a victim of identity theft. The thief made multiple charges on my behalf using my bank information from my bank app and created a XXXX account. They ordered XXXX rides totaling to about {$55.00}. My bank has resolved a couple of the charges. However, on XX/XX/XXXX, TRS Recovery Service collection agency tried to collect for the remaining amount of about {$26.00}. I responded by filing a forgery or identity theft through their online website with the police report attached. They sent a second follow up letter on XX/XX/XXXX stating " no attempt to collect '', but requested for personal identifying and bank information, which I am not comfortable sharing. They provided a fraud and identify theft reference number.
11/28/2022	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	GA 310XX	Web
My company used XXXX for all our transactions for my XXXX business ( XXXX XXXX, XXXX. ). In the month of XXXX we used XXXX to collect {$74000.00}. XXXX put a hold on transferring this money to my account due to a fraudulent claim. There was not any fraud involved. They have already taken the money from my customer and are holding onto it. every attempt we have made to collect these funds have been met with people giving us the run around. All of our direct contacts have done nothing to help us and have even gone as far as to avoid our calls. It has been almost 60 days that they have been holding onto my money and I need it deposited to make payroll for my employees. At this point I need any help I can get to get my money deposited.
08/29/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78260	Web	Servicemember
I received debt collection letters from TRS recovery services on behalf of the XXXX XXXX credit card company for a credit csrd debt that is not mine. What actually happened was that I paid the owner of a painting company with a personal check and he used the check account number and routing number info to steal more than {$7000.00} from my checking account to pay for some of his credit card debt including debt to XXXXXXXX XXXX card.I reported the fraud to my. bank XXXX and the matter was resolved with the XXXX XXXX XXXX XXXX ( I have a letter from my bank stating as so ). Now it seems thaht XXXXXXXX XXXXXXXX XXXX XXXX, decided t go after me for a debt that is not under my name, I want this to be kept out my credit score report
05/27/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NY 11413	Web
My name is XXXX XXXX, I am the only party with first-hand knowledge of this transaction. furthermore, TRS are debt collectors and have failed to provide me with sufficient information to verify this alleged debt. under 15 us code 1692g ( a ) subsection 3,4 and 5 TRS has failed to provide me with the information under 1692g. This notice to inform TRS recovery services that this alleged debt is disputed and i am further requesting verification or copy of a judgment of this alleged debt from the original creditor. failure to provide this information shall result in termination of ALL collection efforts and a complete removal of my personal information from your agencies systems. RE Number : XXXX Transaction Number : XXXX
03/31/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	ID 83646	Web
I received XXXX separate notices from XXXX XXXX XXXX on XX/XX/2022 XXXX XXXX {$83.00}, XXXX XXXX {$66.00}, XXXX XXXX {$70.00} I've had an XXXX account for over XXXX years and have never owed them any debt and I called the to verify this fact which they did. I put in a dispute with XXXX XXXX XXXX and asked them to send me proof of the debt they say I owed since both XXXX and myself were unaware of it! I received a letter today dated XX/XX/2022 from a XXXX stating that they did not have enough information to investigate my dispute and want a copy of my drivers license and my SSN number and a copy of a vided check. I never paid my XXXX account with a check and I'm not giving them my personal information Reference # XXXX
01/04/2023	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	CA 94087	Web
The IRS issued me the XXXX XXXX of {$1400.00} through XXXX XXXX Money Network prepaid card. The card was stolen. The thief withdrew the entire {$1400.00}. We kept calling IRS for about XXXX XXXX and were finally told to contact Money Network. We raised a dispute for the transactions, and Money Network resolved the disputes in our favor. They sent us a letter stating that the " Merchant Had Credited the Transactions Back to Our Card '' We were glad the dispute was resolved, but our balance keeps showing XXXX XXXX was put back on the card, but it does not reflect on the card balance. We have made numerous attempts to contact Money Network and XXXX, but we are being bounced from one dispute representative to another.
08/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75028	Web
On XX/XX/2022 I received a letter in the mail from TRS recovery services saying they are collecting debt credited by XXXX XXXX XXXX Principal amount XXXX Returned Item Fee XXXX Total Amount Due XXXX This Tells me the transaction date was XX/XX/XXXX. I have never received any notice of failed payment to XXXX let alone by check. I do not even own a check book. Says returned reason is " Check returned, account closed. I had immediately contacted XXXX customer service, who confirm i have no debt to them. Nothing in my account has been unpaid for. XXXX i believe is a legit company, however I have seen so so many complaints of the same thing happening to others that have no record of debt with XXXX. Please Fix this.
11/20/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	CA 93436	Web
Yet ANOTHER account has been opened with MY email address. I believe this is related to several other accounts opened in my name over the last 4 months. I could not get through to the company to submit a formal complaint because I do not have the card issued by the company. Whoever this is, is determined to assume my identity through my email. So far I have had at least XXXX accounts opened with my email that I have had to go to extensive measures to have my email account removed. I would rather find out who this person is in order to put a stop to it because I believe it is a family member. This occurance happened on XX/XX/2022 They would have to research by referencing my email address which is XXXX XXXX
12/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11729	Web	Servicemember
On XX/XX/20 I received a letter from TRS Recovery Services regarding a check number XXXX for the amount of {$190.00}. This check was written to XXXX. I called TRS and told them that I had not written any checks to XXXX and asked them to send me a copy of the check and a copy of the ID used to write the check. They refused but did provide me with the Account Number and Routing Number over the phone. The routing number ( XXXX ) is for XXXX in XXXX XXXX. I called the bank and was told that account ( XXXX ) was closed for fraudulent activity. They would not tell me any more. I have contacted TRS repeatedly and relayed all the information above, several times. They continue to send letters demanding payment.
07/11/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	SC 29707	Web
I own a small music school. I collect payments from my customers using their credit cards. Another company, Fiserv, processes the transactions, and forwards the money to me minus fees. I receive statements from Fiserv showing the details. In the last two months they suddenly started subtracting money for " adjustments ''. I called and they said this was for tax withholding. This money is for my gross sales. I don't owe taxes on gross sales. And, I never authorized such activity. They have misappropriated almost {$10000.00} of my money in two months and my business is now in jeopardy. I know of another business owner who lost {$6000.00} to this same company. Fiserv, XXXX, Nebraska. website : XXXX XXXX
05/30/2020	Yes	Checking or savings account Checking account	Managing an account Fee problem	AL 350XX	Web
The fee schedule dated XX/XX/XXXX on the dash board for my account states that the use of out of network atm and declines will result in a fee of XXXX. Since XX/XX/XXXX they have been charging me XXXX. I called XXXX XXXX and inquired about the fee for out of network atms and was told it was XXXX when I said that I was being charged incorrectly they told me they were wrong. I then asked why did the fee schedule on my dashboard say the same thing. He could not answer. I spoke to his supervisor and was told that I must be looking at the wrong account. Only have 1. I then asked for his supervisor who would not listen asked for her manager and she put me back in the queue. All of this took place on XX/XX/XXXX.
04/03/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	CA 92124	Web
The third round of stimulus checks was sent to me on a Money Network credit card. The amount that I received was {$7000.00}. I was limited to transferring {$6000.00} to my checking account because that was apparently the daily maximum. I have now waited two days and when I tried to transfer the final {$1000.00}, I'm told that I have reached the monthly maximum. It is now XX/XX/XXXX, so that means I have to wait until XX/XX/XXXX to get the rest of my stimulus money. I don't think that that was the intent of congress and I suspect that Money Network is pocketing a good chunk of interest on money that is due to citizens. I would hope that my final {$1000.00} comes with interest when I finally receive it.
11/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	AZ 859XX	Web	Older American
Today, XXXX I attempted.to write a check to XXXX XXXX in XXXX, Az. I had cancelled my debit card and a new one is in the mail. I have had the same bank for years and never bounce payments. The transaction was declined. I was so humiliated. I thought their has to be a mistake. I had my ID. I called the number that was handed to me. After putting in all these numbers it said fraud indicators. I spike to a rep and verified everything. It did no good. Why do rhey ask for personal information and then tell you that you have no credit with THEM? I didnt even know who they were until this happened. My check was good! They should never ask for personal information when they know it won't help the situation.
04/26/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OR 97013	Web	Older American
XX/XX/22 XXXX XXXX ( XXXX XXXX XXXX ) took {$250.00} from my checking account. No idea how they got my routing number. I contacted my bank on XX/XX/22 and account was closed immediately. Now XXXX has reported the charge to a collection agency. They have since sent letters, made phone calls etc. I told the credit agency, TRS XXXX XXXX XXXX XXXX, that the debt was not mine. They insisted it was and would not give me or send to me documentation to support their allegations. I refused to provide any further information but these people have my name, address, phone number and I feel threatened by their actions. I XXXX years old live on a limited income and really don't know how to deal with these people
12/12/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	NY 100XX	Web
Once again we are harassed by the XXXX XXXX and FISERV XXXX XXXX duo in that when we login in to XXXX there is no mention of the below NEW {$300.00} charge back, and even lists a NEW {$5000.00} charge back that we can not respond to. Please urgently advise, and TELL THEM TO get it together. In other news, THEIR FIXER CONTACT " XXXX XXXX '' never answers his phone when we call him back and leave a message. Please TELL THEM TO attend to this matter and fix, or we will have to file yet another series of complaints against XXXX XXXX and XXXX XXXX of FISERV XXXX Unit with the OCC, CFPB, DFS, FTC and XXXX PLEASE TELL THEM TO be guided accordingly, and take a personal interest in resolving this matter.
12/31/2020	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	WV 252XX	Web
A Couple of my Checks Bounced and I didn't have the funds to cover the overdraft fees until the XXXX of XXXX. My Checking Account was Overdrawn since around the XXXX. of XX/XX/2020 until the XXXX. of XX/XX/2020. I Contacted the Branch Manger and informed them of my Finical problem, I was able to make a deposit of {$260.00} around the middle of the Month. I made a XXXX on XX/XX/2020 that covered all outstanding Checks and the Overdraft Bank Fees and still keep me in the positive. I tried to go shopping at 2 different stores but each time my check was declined by the checkout machines. I attempted to contact my Bank, but they said they have nothing to do with this and can not help me with this.
10/11/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	MI 496XX	Web
On XX/XX/XXXX, a transfer of {$15000.00} from my XXXX XXXX account to my new account with XXXX failed. The money left XXXX XXXX but never arrived in the XXXX account. Neither XXXX XXXX, XXXX, nor XXXX XXXX have returned my funds. XXXX claims that the funds are being held at Fiserv, as their letter from XX/XX/XXXX states ( attached ). They suggested I reach out to XXXX XXXX, but they and XXXX XXXX refused to help. I attempted to talk to Fiserv over the phone, but the representative refused to speak with me. I had an attorney write a letter to XXXX, and XXXX then claimed that they had initiated an investigation with Fiserv. However, they ultimately did not share the results of this investigation.
01/10/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	CA 91766	Web
Hi, my name is XXXX XXXX. My company name is XX/XX/XXXX.my merchant id is XXXX. My clover email is XXXX original cfpb ref # is XXXXFiserv agreed to release {$30000.00} to me and said already sent me an check to my old address XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX without asking my current mailing address last week. But i do not live in that address anymore and i never received that check. Please make an expedited shipping with traceable courier like XX/XX/XXXX or XX/XX/XXXXMy current shipping address is XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX CA XXXXplease ship an replacement check to my current address asap.please send me tracking number after fiserv shipped my replacement check. Thank you so much.
08/16/2023	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	CA 90805	Web
On XX/XX/XXXX I got an alert on my phone on some transactions on my debit card I call right away and told them that I didn't authorize them to put a stop they said they couldn't I would have to dispute wish I did and they got deny. The only thing they put on the letter was there were digital evidence. So I call them to ask them that I wanted prove evidence that they had that I did the transactions she didn't know what to tell me. She said I need documentation to prove I didn't do the transactions I told her there from a different state I live in California. The transactions are XXXX XX/XX/25 total money {$490.00}. The stuff they bought its for men testosterone pills. The bank is money network
06/24/2023	Yes	Credit card or prepaid card Government benefit card	Unexpected or other fees	CA 92614	Web
On XXXX I received a charge of {$100.00} for XXXX XXXX and an {$8.00} XXXX XXXX XXXX fee. The {$100.00} charge was credited the same day but the fee was not reversed. I did not make this charge and have never used the service so I filed a dispute with the card issuer. I called back after the 90 day window ended to follow up on the status of my dispute as I had never received an update. When I called I was told that my dispute had been closed and fees do not get reversed, even if they are associated due to fraudulent charges. In the cardholder agreement it only says that fees are not reversed in the event of a return. There is no mention of the customer being responsible for fees due to fraud.
04/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75087	Web
XXXX XXXX is attempting to collect a debt for XXXX. I do not owe a funrize company anything. This company created an account due to identity theft fraudulently and proceeded to charge me {$800.00} I emailed this company after XXXX them, and they told me that the account was banned and couldnt redeem and that all charges would be refunded back to my account. That I wasnt allowed to use their platform which is fine because I dont anyways. They then send me a debt collection letter telling me I owe funrize {$49.00} and {$30.00} in fees 5x I dont owe that because Ive never used this companies platform and dont even have an account with this company. This is a fraudulent debt and not authorized.
05/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 751XX	Web
received a collections letter on three different transactions for three different days they claim it was three different checks written to XXXX XXXX in XXXX. i never went to this place and never cashed anything. I asked for proof and copies of these three checks and all i got was some signatures that do not match. You can also clearly tell all three do not match each other in anyway. They also could not provide me with any pictures of these three checks and claim they gave the checks back to the person. I have filled a police report and waiting on them. This is 100 percent forgery and fraud. I want to press charges to the fullest for thinking they could do something like this with my name.
12/09/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MN 55082	Web
TRS sent 9 separate letters ( all received on the same day ) requiring me to pay 5 different debts incurred by bounced check or bank transfers to XXXX. They would only accept cashier 's checks or money orders. They were difficult to contact and wouldn't dispute anything over the phone and repeatedly tried to get my bank account, drivers license, and social security numbers " in order for anything to go through ''. XXXX has no record of these charges in their system under my account and I have no bank account attached to my XXXX account and have never paid for anything via check. TRS also listed the debts under my maiden name, which has been updated in XXXX 's system for nearly two years.
03/03/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 324XX	Web	Servicemember
XXXX/XXXX/3021 Spoke to First Data about a lease that I am no longer liable for, I was the first contract for the leased equipment. When I sold my business the sales rep XXXX XXXX rewrote the contract into the new owners name. Now I find out that new owner sold the business again and the 3rd owner signed the contract on the equipment. I received a letter in the mail stating that I am responsible for the bills now that the 3rd owner isnt paying for the leased equipment. I spoke to my sales rep and she is trying to get the guy to pay for the equipment but he wont. I am not responsible for a contract that I terminated over 2 years ago and has since been rewritten twice to two other people.
05/27/2020	Yes	Credit card or prepaid card Government benefit card	Unexpected or other fees	VA 223XX	Web
I unexpectedly received an EIP card with an indeterminate amount of CARES Act funds on it, but the terms of use include predatory fees and a mandatory arbitration agreement. The issuer ( Money Network Card Services/Money Network Financial LLC/Metabank N.A. ) lists a phone number through which a paper check can be requested, but the automated system routes the call straight to card activation, which entails de facto acceptance of the arbitration agreement, and provides no other options. This is a shameless attempt to trick consumers into incurring debts to third-party servicers under the guise of receiving federal aid, and using inadequate customer service to spike justified complaints.
01/31/2023	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	MO 64052	Web
First and foremost my unemployment benefits were put on this card without my consent. I DID NOT want this XXXX card to begin with. Now I am on a verge of getting the news company as well as a lawyer involved. I have been waiting on a card from money network for over a month now I was told XXXX XXXX my card would be shipped out on XXXX XXXX. I have yet to receive a card in which I have to wait on because my money can not be transferred to me any other way is what bs I was told. I am receiving unemployment in which I do not have any XXXX money for anything at all. I am XXXX which means Ive went a full month HUNGRY! No money no nothing this is totally unacceptable and XXXX ridiculous!
04/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90049	Web
I am the victim of identity theft. It was a 'phone porting ' scam whereby my previous cell phone number was ported illegally from XXXX XXXX XXXX to XXXX . The scammer was then in control of my old phone number ( XXXX ) and used it and other of my personal information to hack bank accounts and create credit accounts. The phone number was also used for ride-sharing service, XXXX. Several rides were taken and charged to my account. I have contacted XXXX and the identity theft is known by them. I have been receiving repeated billing from a debt collector working for XXXX, TRS Recovery Services, XXXX XXXX XXXX XXXX, XXXX GA XXXX. I have reported the fraud to TRS through their website.
12/14/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 28012	Web
Someone accessed my account, moved money from saving to checking, then submitted XXXX telechecks against my account to XXXX totaling {$5000.00}. They also tried to open a car load, and additional accounts at XXXX and XXXX online banking institutions. All transactions and accounts have been stopped, closed, or disputed. No money actually was stolen, but now have 30 letters from a Collection Agency ( TRS Recovery Services XXXX Inc ). They are trying to collect the money from the me for the disputed charges to XXXX from me. The letters were received only XXXX weeks from the attempted transactions to my account. My credit was frozen as soon as I learned of the attempt on my account.
02/11/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 94103	Web
Debt collectors from TRS recovery calls you without identifying they are from debt collector. They identify themselves by their name and ask you to confirm your name. Once you confirm your name, they ask you to confirm your address. I refused. They said its to discuss an account with TelCheck. I told i do not know any account, i do not know them. They keep talking without disclosing they are from debt collector. I guessed it, because i previously received a letter from them. I think the communication tactics done by TRS recovery is illegal. At no point in the call, they said they were a debt collector. They are trying to trick people without telling they are a debt collector
05/03/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 91710	Web
On XXXX2022 at around XXXX pm XXXX, I tried to transfer funds from my Money Network account to an already active credit union account. During the process of the transfer I was never once asked for my account information and was never asked to check or verify any information other than my account I held with Money Network. After confirming a transfer the money was withdrawn from my account without getting sent to my other account. I would like to know how I would receive the withdrawn amount as I have never specially stated how and where I would like that money transferred and if there are any other steps I need to take to ensure the amount funds its way safely to my account.
07/15/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Managing, opening, or closing your mobile wallet account	FL 32210	Web
Business identification Merchant identification ( MID ) XXXX HELLO MY NAME IS XXXX XXXX, AND MY BUSINESS NAME IS ALSO CALLED XXXX XXXX, I AM WRITING THIS CLAIM BECAUSE I AM TRYING TO RECOVER MONEY THAT IS FROZEN FOR MORE THAN A YEAR, WITH NO REASON TO EXPLAIN WHY I WAS NOT GIVEN I HAVE DELIVERED MY FUNDS, PLEASE DEMAND TO SEND A CHECK WITH MY FUNDS TO MY CURRENT MAILING ADDRESS, XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, IT IS THE SAME ADDRESS WHICH I HAD MY ACCOUNT WITH THE XXXX COMPANY, PREVIOUSLY I WAS TOLD THAT I HAD TO WAIT 3 MONTHS IN CASE ANY TRANSACTION WAS RETURNED, THEN I DECIDED TO WAIT, BUT I HAVE MORE THAN A YEAR AND I HAVE NOT BEEN DELIVERED OR MONEY YET..
04/03/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	CA 90016	Web
I made a money transfer from my Money Network XXXX XXXX to our XXXX XXXX XXXX account on XX/XX/XXXX. The money has not shown up in my account. XXXX XXXX XXXX has told me there have been no attempts to deposit any money into my account. I have filed complaints that the money has not shown up and each time I have received a form letter that states they have completed their investigation and no errors were made. XXXX XXXX XXXX has told me NO ONE has contacted them about the transfer. I have no information from them about where the money went, but it is clear, it DID NOT go to me. It is MY money and I intend to take every measure available to me to make sure I get My money.
07/08/2022	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	WI 53223	Web
I have a merchant account with First data. Out of nowhere they sent me an email asking me several questions about the business but before I could respond to the email someone called asking me those same questions. I answered all of those questions and emailed over the bank statements they requested on XX/XX/XXXX. They never mentioned putting a hold on my account. On XX/XX/XXXX they did not release my funds of {$2300.00}. They also held my funds from XX/XX/XXXX of XXXX They told me someone would follow up with me within 4 days. It has been 17 days, I cant get in contact with the risk management team nor has anyone reached out to me with a resolution for this situation.
10/09/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 08817	Web
TRS recovery services are claiming I owe XXXX $ from XXXX and now I owe XXXX $ instead from a transaction on XX/XX/2021 for insufficient funds. Thats impossible because XXXX XXXX wont allow money to be deposited if the money isnt there and I always have money before making a deposit. I checked out the review for this company and its obvious this is a scam. Theyre asking for a cashiers check or money order if not they have my information and I wont be able to cash checks or open up any bank accounts unless I pay. I just want to make sure I dont have to take any action to avoid my credit being messed up even though this is a scam company thats been going on for a while
12/09/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	NY 100XX	Web
We keep getting arbitrarily harassed by XXXX XXXX and their merchant services affiliate FISERV - like for today for example we woke up to try and login to our XXXX XXXX account ( a feature created by FISERV to access our credit card deposits/chargebacks/etc ) and the " password didn't work. '' So then after we changed the password by authenticating ourselves a few times via email, and were able to log in, the entire data for merchant account ending in XXXX was completely and totally deleted, we think in retaliation for filing so many bona fide legitimate complaints against these XXXX entities with the CFPB and the XXXX XXXX. Please urgently investigate and advise.
11/08/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Can't stop withdrawals from your account	MA 020XX	Web	Older American
First Data Corporation responded to my complaint number XXXX saying that they have not charged my account since XX/XX/2011, when we stopped the merchant banking services. My business account is still being charged each month {$19.00} + {$79.00} = {$99.00}. XXXX XXXX XXXX informs me that these merchant banking charges are being debited by First Data corporation. The charges after XX/XX/2011 are 10 years 21 months {$99.00} = XXXX XXXX XXXX = {$11000.00}. I can send you PDF copies of the bank statements and the correspondence from XXXX XXXX XXXXXXXX that the charges are made by First Data Corporation. Let me know what information you need to resolve this matter.
05/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43123	Web	Older American
On XX/XX/2023 there was a web initiated withdrawal of {$800.00} to XXXX XXXX XXXX XXXX. I noticed the illegal transfer on XX/XX/2023 at which time I went to XXXX XXXX XXXX to dispute the transaction. XXXX XXXX immediately locked the checking account and submitted a fraud complaint. The {$800.00} was returned to my checking account. The XXXX XXXX XXXX I received a collection letter from TRS Recovery Services , Inc. ( TRS ) seeking to collect the {$800.00}. TRS is now the owner of the debt. I went to TRS 's website and submitted its online Forgery/Identity Theft Declaration which I included the letter from XXXX XXXX regarding resolution of the fraud complaint.
04/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35205	Web
XXXX XXXX XXXX XXXX XXXX XXXX contacted me today about a debt of XXXX owed to Telecheck and they are representing them to collect that debt ( XX/XX/XXXX ). I said that the check is the result of my lost checkbook last year ( which I already filed three complain with CFPB ). I said I can send them police report, but they refuse to offer me means to do that. They refused to report this to Telecheck and insisted I have to contact Telecheck to myself the issue. They also not tell me their official address and refuse to disclose how they get my personal information. I also try to file a dispute with Telecheck, but their website do not allow me to submit a dispute.
09/10/2020	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	CA 92707	Web
I have two merchant accounts with Fiserv.My two merchant account # are XXXX and XXXXThey held my funds since last year.I filed a complaint last month and they said that will release my funds to my XXXX checking account ending in XXXX.but i still have not yet received it.My XXXX checking account is still open and active.please release my funds to my XXXX checking account immediately.And please tell me that when was the first day that fiser think that the hold of funds can be removed? ( when was first day that my held funds was able to release by fiser? ) .And if i did not file a complaint with them will they trying to hold my money forever? Thank you so much.
08/23/2020	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	PA 19007	Web
On XX/XX/2020 I made a order from XXXX for a XXXX laptop for {$1100.00}. It was supposed to arrive on the XX/XX/XXXX But I never received it I made a report with XXXX they said they would send me replacement but the replacement never came. I then proceeded to contact they and was to told to contact my bank because they couldnt help me. Then I contacted my bank which is my payroll Im not very bank savvy so I just use my payroll card ( XX/XX/XXXX Money network ) they kept closing my claim saying I didnt have Sufficient evidence so I mail them a paper they had me fill out. And then receive a letter saying that my claim has been denied so Ive lost my {$1100.00}.
07/15/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	CA 925XX	Web
This is my second complaint about this issue. An economic payment card for the amount of {$1200.00} was issued to me by the IRS in the year of XXXX. The card was sent to my old address, I have updated my address with the IRS and U.S.P.S. What I need is for the second round of stimulus to be sent again for the amount of {$1200.00} to my new address. The company did try to send me a new card but they send the third round of stimulus which is not the one I need. They sent me a replacement card for the third stimulus check for the amount of XXXX that is NOT what I need replaced I had no issue with that round. I need round 2 replaced for the amount of {$1200.00}.
04/06/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Confusing or missing disclosures	CA 92620	Web	Older American, Servicemember
I received direct deposit of EIP payments 1 and 2 to my bank account. For payment 3 I received an EIP debit card in the mail less than two weeks after I was notified that a direct deposit was schedule for payment 3. I do not wish to establish a business relationship with XXXX or be subject to the terms, conditions and fees associated with their card. There is no option on the IRS web site to reject the card and force a direct deposit like the first 2 payments. In order to try to resolve the problem through XXXX, I must first establish a business relationship with them which I will not do. There appears no way for me to get my payment without a huge delay.
06/04/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92841	Web
I got a fraud charge {$76.00} from XXXX ride to my bank end of XXXX.. I never use the service so I went to my XXXX bank to dispute when transactions is pending a week later on XXXX I suddenly received the collection letter show I had an unpaid balance account number XXXX ( that I never know ) {$76.00} and told me have to pay before XX/XX/XXXX, if not they sent me to the collection from trs recover service. I went to online and check to see dispute service form that TRs recover service recommend me to do, I couldnt trust tghe website at all they asked me to fill out bank account number and routing number for dispute processing. It was so weird What can I do?
06/22/2020	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble getting information about the card	NY 125XX	Web
Numerous attempts to confirm the balance on the XXXX XXXX XXXX card online have been unsuccessful. I attempted to transfer the full amount to my bank account via thier system and the system kept freezing before I could submit the info re my account. In retrospect I am glad, because I have no desire to provide this info to a third party. In the same way that I don't allow the IRS access to my bank account. And in order to get the full amount out in cash will require 3 separate trips to an ATM and then to my bank to deposit that cash. Not a good idea with covid 19 Why were we not given the option of receiving a check in the same way we receive any tax refund?
10/19/2020	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	CA 91302	Web
As of XX/XX/2020 XXXX administrator of Firstdata credit card processing services decided to unilaterally stop depositing funds that were due to my business as a result of goods sold at XXXX XXXX. First data ( XXXX ), said the reason they decided to withhold funds, is that one ACH did not process from my XXXX business back in XX/XX/2020. Firstdata ( XXXX ), made no attempt to notify me of a the problem in the ACH withdrawal in which they claim, they sent no bills, no emails or any communication regarding this error. As a result, the business XXXX XXXX has been wrongfully and unjustly withheld it's funds of nearly $ XXXX over the course of the last 5 months.
09/18/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	MO 640XX	Web
I have tried contacting this company and the website says to contact XXXX and then the card says to contact XXXX but I ask for the fraud department and Im told that they dont have one to transfer me to. The email they provided me was for fiserv and that isnt the financial institution that is providing the cards. This card is for XXXX XXXX and I seem to have to be transferred to a different department to even speak with someone in customer service. I also believe that my phone has been hacked. I have tried numerous times to work with XXXX and have also gotten a new phone. This has been something I have gone through before and had to end up filing XXXX.
03/17/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	MO 63135	Web
Money Network abruptly placed a hold on my account for a reason I'm not clear on and will not help me with getting it back up and going. I was told to show receipts for specific transactions made using the debit card, which I did, but this resulted in nothing. I have not been able to get help from the customer service representative for over a week but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used Money Network quite frequently. This account is used to pay my bills so I need the hold removed immediately. My email linked to my Money Network account is XXXX.
08/22/2023	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	AZ 85207	Web
I had fradulent online charges using my debit card on XXXX to XXXX in the amount of {$2800.00}. I reported it on XXXX as soon as i noticed it, had my card cancelled and a new one issued. I got a letter dated XXXX from Money Network, my financial institution that i had to sign and return. I sent the form back and awaited a response. I got a response denying my claim. After speaking to them i found out they never investigated anything, they claim they based the decision on previous account usage. I never had any charges/payments to 99 % of those merchants. I have since filed a police report and appeal with money Network and no money has been returned
05/29/2020	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble getting information about the card	PA 18062	Web
The IRS signed me up for debit card with no customer service option. There is no agreement for fee terms by me but I am forced to accept as there are no menu options to refused and request a check. IRS site also has no options. The call number is XXXX with Money Network Financial LLC. I called three times to make and attempt to find customer service as mentioned in their acceptance of terms. There are hidden terms on cashing money and I do not want this card. There is no option to cancel or refuse the card. I'm complaining to my congressman next. Forcing commercial terms and fees on taxpayers to receive a government stimulus is ridiculous.
07/02/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	AL 36608	Web
So I got paid on the XXXX of XXXX and after I wanted to deposit all the money to my bank so I deposited XXXX and after I think I missed typed my bank account # or routing number but it allowed it to go through as if it linked up with my account so I went ahead it told me 1-2 days but like I said after I realize that 2 days have already passed and I havent seen it. My money even now I just manually fixed it with the right number but Im putting in a complaint just in case it doesnt work because money network also implied that the new account information would only work on my next payment or transactions but Im broke now so!!! Fix it help me tnx
03/29/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	IL 623XX	Web	Older American
I had a NSF check, it was run through Telecheck. The check did clear on the second submission. Tellecheck decided to put a freeze on my checking account. When I called them I was informed there was an outstanding service charge that they had submitted to my bank for payment as soon as it cleared I could continue right checks at Telecheck merchants. I was never informed of this charge, until I called them. I tried to write a check at a merchant and it was declined. again I called them, and their response was '' because of the history on your account, checks will be authorized at our discretion ''. My checking account is being held hostage.
06/23/2021	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	HI 96701	Web
Receive a notice of unpaid electronic fund transfer from Trs recovery services They are charging me {$50.00} for each notice Which Ive never ever seen this in my life or heard of telecheck services They wrote The above electronic fund transfer was returned by your financial institution unpaid. Telecheck services ( telecheck ) now owns this dishonored eft and has placed the debt with Trs recovery services ( Trs ) for collection .telecheck has also entered information regarding this debt into its nationwide database, as a result until this item is resolved I literally dont understand what they are talking about and I may need help with this
01/13/2023	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	FL 32771	Web
My name is XXXX XXXX and my compliant is that my name was fraudulently used for various transactions at TeleCheck Services LLC between the dates of XXXX. I filed a compliant with TRS Recovery Services Inc to make them aware of the situation around the end of XX/XX/XXXX and was giving a case ID # ( XXXX ) for the dispute. I was then contacted again by TRS on XX/XX/XXXX in reference to the dispute and given the tracking number of XXXX. They also directed me to make a compliant to ftc.gov, once there I was directed to cfpb website because of the type case. I have attached all the information that TRS sent me in the mail of the transactions.
12/24/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	NJ 076XX	Web
I have opened a claim for the company " Money Network '' on XX/XX/XXXX at XXXX My case # XXXX. They thankfully returned my stolen money ( {$4800.00} ) to the debit card and noted " Adj Dispute Provisional Credit for case XXXX '' on XX/XX/XXXX. I have called the customer service phone number on XX/XX/XXXX at XXXX pm ( Ph : XXXX ) and talked to customer service representative named XXXX ( His employee # XXXX ). I agreed to issue them a check and send to my home address. It has been XXXX days that I haven`t received the check. The last update at my account on XX/XX/XXXX " Issue refund ( Customer ) Transfer to Direct Check XXXX Account "
02/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27104	Web
I received a debt collection notice from XXXX XXXX XXXX saying my debt was to XXXX XXXX XXXX, for XXXX but I now owe {$49.00} dollars. I submitted a dispute and called the recovery service and filed a complaint. They are " stopping collection '' while they look into it. They said this company is a gambling service. I have zero knowledge of this company and I don't gamble. They gave me a number to call, so I called the company. Of course, no one answers the phone, nor does anyone identify themselves on the message. I think that TRS and XXXX are both engaging in predatory behavior. The number for TRS is XXXX and for XXXX is XXXX. Thanks.
04/10/2023	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble closing card	NY 10012	Web	Older American
My original EIP card had a remaining balance of {$120.00}. I tried to use it and was told my account was told there was a fraud alert on my account. After several phone calls they sent me a new card, I tried to use it and was told there was a fraud alert on the account. I requested a check for the remaining balance, The check was sent on XX/XX/2023,. I never received the check. I have called over 8 times and after being on hold for over 90 minutes each time I still have not gotten a resolution to this problem. The card was issued by Money Network. Their customer service is non-existent. I really just want the balance left on the card,
10/06/2023	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	TX 76006	Web
This complaint is a continuation of this complaint : XXXX I ran into a problem roughly 1.5 - 2 months ago where the service known as Telecheck was blocking all attempts to make a purchase on the website XXXX. In my previous complaint, I was informed that my transactions were classified as a " Code 3 '' decline in TeleCheck 's system. It appears that I am experiencing the same problem again. I am permanently barred from making any sort of purchase on XXXX regardless of method used. I attempted to reach out to customer service about a week ago and after explaining the situation to them, I have not been contacted by TeleCheck.
05/28/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	TX 78717	Web
XXXX I started the activation process, provided card #, SSN and Sec Code. Then, the automated service cut me off and transferred me to a call person. Wait 20 minutes, they called back, asked for my SSN, I was uncomfortable giving it out, he transferred me to automated service, there were two automatic messages going at the same time, so after about 10 minutes listening I hung up. Now, when I call back, after I enter all my data, it just says " unable to complete '' and hangs up. This is the same process for activation or to speak to a rep, so I am unable to speak to someone or get the card activated. It almost look like a scam.
02/07/2023	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 757XX	Web
without any advanced notice this company is withholding payroll funds paid to me by my employer. They expect information from me that is not easily obtainable. customer service was rude and absolutely no help. How is this legal without any notice or warning that without certain information, immediately, my payroll was going to be withheld from me? I have rent to pay and will most likely become homeless because of this. Ive worked for a year while using this card working for the same company and prior to this every deposit and/or withdrawal has gone through without the information they are demanding now. what is the difference?
08/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 993XX	Web	Older American, Servicemember
I received a letter from TRS recovery services that I owed two payments to XXXX for items I had purchased at XXXX. My bank, XXXXXXXX XXXX in XXXX WA was purchased by XXXX XXXX XXXX and it was in the transition period that I went to XXXX XXXX Wa to XXXX and purchased several item for a total of {$180.00}. I tried to use a debit card from my bank, XXXXXXXX XXXX and it was blocked. I did not receive any checks from XXXX XXXX XXXX for few days, so I used an XXXX XXXX to pay for the items. I also received another letter from TRS recovery services in the amount of $ {$27.00}. They are adding a {$30.00} fee for a total of {$320.00}.
03/12/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	IL 60615	Web
I have received a letter explaining I should have received an EIP card but it's not been activated. I never received the card so I called the XXXX number for XXXX listed XXXX - but none of the options work and there is no option to speak to an individual. There is also no email or place online to report a lost or undelivered card. The fact that economic stimulus payments are being distributed by a vendor who does not have a proper customer service center or working phone tree for filing lost cards is absurd. I am trying to claim this EIP but again, none of the phone options work and no combination of my SSN and zip works.
09/17/2022	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	GA 31324	Web
My identity was stolen me and my family of XXXX will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft XXXX XXXX CLOSURE DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
07/30/2020	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble using the card to spend money in a store or online	NY 119XX	Web
For the last 2 weeks I've been trying to activate the eipcard I got as part of the stimulus. I call the only number available that it claims is for customer server 24/7. I follow the directions and press 1 for customer service or to activate the card. Then it asks and I put in the card number. Next it asks for and I provide the last 6 digits of the Social Security number. The recording then says " We're unable to process your request at this time. Goodbye. '' There is no other phone number for this card or a way to contact customer service on line. The only other way to contact them appears to be an address.
03/03/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Don't want a card provided by your employer or the government	IA 52403	Web
I received the unactivated card in the mail. I contacted my Congressman 's about how to get a check issued instead. I was told to call the ONLY number provided by card issuer to get a check. The phone number is reported to allow access to " the main menu '' as well as activate the card. That is a lie! The number requires the caller to activate the card. In fact, there is no option for having a check issued. Moreover, there is no option for ever talking to human via this number. Evidently, the billionaires who own the parent company ( e.g., XXXX ) do not want to talk to mere peons ... only take our money.
08/26/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AL XXXXX	Web
TRS sent me notifications about companies I owed. I filed bankruptcy and sent my discharge to TRS. They refused to remove the debt I had with XXXX, XXXX, XXXX, XXXX. I then mailed in money orders to TRS to cover Returned checks and fees. I called TRS to inquire why none of these items had been removed. I was transferred to the legal department and was told by their attorney, that they dont have to remove my debt. Even though I filed bankruptcy and paid others. She the attorney said according to Georgia law, they can keep the debt on my record for ( 7 ) years. And there was nothing I could do about it.
02/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 46229	Web	Older American
recv 'd letter from TRS recovery ref # XXXX re : a {$500.00} electronic transfer at local XXXX on XX/XX/2020. We do not shop there. XXXX stolen XX/XX/2020. Stopped all known cards, but license and such were in billfold. Tried going to TRS site but they wanted routing, account numbers to even start looking into it. No idea what this is about. XXXX said they do not use this recovery company and would have communicated with us directly. So ... is TRS a scam, or has someone incurred this debt fraudulently with my ID? XXXX has no indication of an attempt to get $ from them, so we don't know what to do.
05/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CO 80525	Web
I attempted to put {$100.00} on a gift card as part of a birthday present on XX/XX/XXXX, on XX/XX/XXXX it appeared on my account. For some reason it showed as the transaction as returned and I got a letter from TRS demanding payment. I completed the form disputing the notice. TRS sent me a letter demanding the payment stating that it was deposited to the account, but still demanding payment. I now have diminished funds due to the stay at home order, and have asked that it be dismissed, yet they are still harassing me, for funds that were deposited into an account they are trying to collect on
02/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 46214	Web
Check number XXXX was stolen from my mailbox from an unidentified person and subsequently cashed at an undisclosed XXXX on XX/XX/2021. I became aware of this on XX/XX/2021 and reported the fraud to my bank on XX/XX/2021. My bank investigated the fraud and returned my money an issue to stop payment on the fraudulent check. XXXX then sent my information to TRS services to collect a debt of {$470.00}. I contacted the debt collector to inquire about the voicemail left and was told I needed to file a fraudulent complaintWith documents from the bank in order to have this removed from collections.
02/26/2023	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	IA 50021	Web
{$120.00} used fraudulently on XXXX XXXX which is an XXXX food company/stock company. Somebody knows my card info in XXXX. I called my card company ( XXXX XXXX ) only for them to tell me they can't do anything about the fraudulent purchases until payment goes through. I asked why they couldn't cancel the pending purchase and they said they are going to send me a new card instead. I didn't ask for a new card I asked that I get my money back cause it's all I have left until I get another job. XXXX XXXX scammed me and won't return my money when I demanded it back. I live in XXXX by the way.
10/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Problem with product or service terms changing	MA 01960	Web
on XX/XX/2020 I went to XXXX XXXX XXXX in XXXX MA and wrote a check. I was informed by Telecheck that my check was declined because I " do not normally write checks to this merchant '' and I " don't have a history of check writing with them ''. When I asked how I was supposed to have a history of check writing if they don't allow me to write a check they could not answer. When I asked what the bad information is that I was declined the ability to write a check for, they gave incorrect information. I do not have any unpaid checks with this company. This company seems like a complete scam.
03/14/2023	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	WA 982XX	Web
While I was in prison somebody stole my money network IRS stimulus debit card issued by XXXX and spent over {$1300.00} on it in XX/XX/2022 without my knowledge. I disputed the charges and they denied my case even though I sent them proof twice that I was XXXX during the time they still won't refund the money. I've spent several hours trying to call them waiting on hold for almost an hour sometimes. Every time I do get through to them they won't give me any information about my case. They already denied it once I had to appeal it and it's been several months. I appealed it back in XXXX.
12/07/2022	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble closing card	CA 947XX	Web	Older American
I have tried for XXXX hours to close a Money Network account set up by California XXXX XXXX XXXX Refund on : XXXX Both the State and the Money Network have repeatedly refused to close the account. Money Network has given me several reasons, none of which make any sense. Also, I tried to get the XXXX folks on that site to close it, but they can not, again for some unexplained reason. The California XXXX XXXX XXXX XXXX has suggested calling Money Network and again they stated that the account is permanently open, due to CCPA Section 1798 Section 145E. Please help me close this account!
04/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ XXXXX	Web
THERE WERE AN ACCOUNT OPENED IN MY NAME A FEW YEARS BACK I BELIEVE THE NAME OF THE BANK WAS FIDELITY AND THE ACCOUNT WAS CODED AS FRAUDULENT. WITH THIS ACCOUNT BEING CODED AS FRAUDULENT MY ACCOUNT THRU ANOTHER BANK CLOSED MY BILL PAY ACCOUNT BECAUSE OF THIS. I HAVE MADE SEVERAL CALLS AND LEFT SEVERAL MESSAGES TO THE FRAUD DEPARTMENT AT FISERV TO GET THIS REMOVED. BUT A MONTH LATER NOBODY HAD RETURNED ANY OF MY CALLS AND THE MATTER IS STILL OPENED. I WANT THIS ACCOUNT CLEARED FROM MY NAME AND SOCIAL AS IT WAS OPENED WITHOUT MY APPROVAL AND IT NEEDS TO BE DONE ASAP AS IT IS HARMING ME.
10/28/2021	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	NC 278XX	Web
Money network owner by XXXX. Web site is basic and only has simple feature. Money network 's mobile app is need to transfer money in between savings AKA XXXX XXXX account and checking. Can not access app to manage funds and transfers. Customer Service can not move money for me and has not offered a explanation or anyway to resolve it. App freezes when logging and and can not used the app at all. Every customer is having this issue and they are not helping anyone. They also locked me out of my account for a fraudulent charge but did not send any email, texts or called to notify me.
04/12/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 93309	Web	Older American, Servicemember
Received bank statement showing debit charge of {$170.00} from XXXX XXXX Called bank and advised this was a fraudulent charge - not authorized by me and I was disputing the amount. On XXXX, XXXX, XXXX I received a letter from the bank advising matter had been resolved and the temporary credit of {$170.00} was now permanent. On XX/XX/2002 I received a collection letter from TRS Recovery Services stating that they were looking to me to collect this amount. On XX/XX/2002 I sent a letter to TRS stating that this was not my debt, that it was a fraudulent charge and I was disputing it.
01/19/2021	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	WV XXXXX	Web
I was charged an " Account Maintenance Fee '' for {$5.00} on XX/XX/XXXX and XX/XX/XXXX. I had never been charged any fees before. I did not agree to these fees as this account was set up by my employer to distribute per diem money from a US government contract. I read over my card agreement and NOWHERE does it list this fee. It talks about a fee schedule but it is not included in the paperwork I was sent. I called Money Network on XX/XX/XXXX as there is not option to contact them through their website or social media. I stayed on hold for 40 minutes and no one ever answered.
12/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OR 977XX	Web
Before XXXX XXXX put a hold on my account due to suspicious activity. They put another hold on my account due to money owed to them. My husband and I use a debit card tied to our checking account. So we've paid for all of our merchandise at the time of purchase. The only other money we owe them is on an XXXX issued credit card that's been on auto payments since the first month I received it. this has been going on for over XXXX weeks, and they still refuse to tell me how much I'm supposed to owe, or for what! They just keep taking reports, and not communicating the results.
05/06/2022	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	VA 225XX	Web	Servicemember
Made a payment with webpay through XXXX XXXX. Fiserv sent the money to an account at XXXX XXXX XXXX which is not my account. {$1400.00} needs to be returned to my XXXX XXXX checking account. Electronic Trace Number XXXX File Trace Number XXXX Pay to XXXX at XXXX Payment Date XX/XX/XXXX Payment Amount {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payee Bank Account Number XXXX which is not mine I have been trying to retrieve these funds since XXXX of XXXX with hours of phone conversations and personal interviews with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and FiServ XXXX
12/22/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 95340	Web
I received a letter from TRS Recovery Services , Inc., XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX XXXX Telephone number XXXX, dated XXXX XXXX, 2020. This is a false collection. I have never written check # 130 to XXXX XXXX XXXX on XX/XX/2020 in the amount of XXXX. I will not pay this amount or the {$25.00} return check fee. This is not my account or my check. This company has sent letters before demanding money on bounced checks with were also fraud. I request that TRS remove my name and this collection notice from their system. THIS IS FRAUD. TRS Reference # XXXX
01/29/2021	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	AZ 863XX	Web
Received the XXXX Balance says {$600.00} and that you can transfer to your bank without a fee. I went through the activation process and setup the account. Tried numerous times to transfer the $ and it says the transfer amount can not be more than with the fee. It says no fee. I tried numerous times to call the XXXX number and it just sends you in the same loop. This is more than frustrating and ridiculous. I am tech savy and I can not make this work. How are people that are not tech savy going to do this? Plus now all of my contact info is in some AI loop forever.
07/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 383XX	Web
This business is claiming that I owe them 6 payments of {$35.00}, for a total of {$210.00}. This is incorrect. I ordered 1 item from XXXX that was {$35.00} back in XXXX and they charged me 7 times for the one item. I talked to my bank and we allowed 1 charge to go through, because it was correct. But the other 6 charges were not, so the bank did not authorize them. Now XXXX has sent a nonexistent debt to TRS recovery services, and now they are sending us letters claiming I owe them money. I have called multiple times and have been unable to get the issue resolved.
09/06/2023	Yes	Prepaid card Government benefit card	Unexpected or other fees	MO 640XX	Web
Dates between XX/XX/2023 and present in various amounts. Multiple unauthorized transactions for purchases sent to XXXX XXXX accounts. Called Money network at XXXX and disputed transactions and cancelled and requested a new card. Money Network just explained that they would be sending a dispute form but that I never receive the form in time to submit it for review and refund approval. I have had numerous issues with this and have been denied the refund because the form submitted was past the deadline but wasnt received until the day it needed to be submitted back.
08/25/2023	Yes	Prepaid card Government benefit card	Unexpected or other fees	CA 95148	Web
Middle Class Tax Refund, Money Network. I used the card earlier this year for one or two charge. Afterward, someone had charge my card without me knowing. I called the company, they said they were going to send me a new card. Once I receive the new card, they said they will send me the first check for the balance and the rest of the check once they review the fraud charges. It's been more than two months and I have yet to receive the 1st or 2nd check. I called and they transferred me to escalation department, but it is a long wait and it is not going through.
02/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
Tele Check File Report Tracking Number : XXXX, The following transaction information listed on my Tele Check Consumer Report is fraudulent and unauthorized : Explore XXXX, XX/XX/XXXX, Explore XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX.
07/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MS 397XX	Web	Older American
TRS Recovery Services is claiming my Grandmother owes two different fraudulent check amounts to XXXX XXXX XXXX, cashed by XXXX XXXXXXXX XXXX. 1. Date XX/XX/2022 for {$400.00} Check # XXXX Transaction # : XXXX XXXX. Date XX/XX/2022 for {$240.00} Check # XXXX Transaction # : XXXX We haven't paid anything, and I keep telling TRS to tell XXXXXXXX XXXX XXXXXXXX to CHECK THE CAMERAS. We do not know if her identity was stolen, or if TRS Recovery Service is used as a false front for bait, because they are asking for ALL HER INFORMATION on this debt collection form.
04/12/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 93309	Web	Older American, Servicemember
This is a fraudulent debit card charge to my bank account. I contacted the bank on XX/XX/2002 and advised them that this was not my charge and I was disputing the amount. Thereafter, the bank credited back the amount charged by XXXX XXXX in the amount of $ XXXX also personally went to the XXXX XXXX and talked to the manager and he said he would get it straightened out. A letter was received from TRS Recovery Services on XX/XX/2002 stating that I owed this ; on XX/XX/2002 I replied with a letter to TRS advising that this was a fraudulent charge. See attached.
05/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 94803	Web
This week of XX/XX/2022 - XXXX/XXXX/2022, I received in the mail a second part letter to a previous mail I received a few months before. It contains a remaining charge of {$36.00} after previously having a higher charge. That former charge was done by someone who used my identity. I want to be cleared of this charge and my name erased from this account that they created. They used my XXXX XXXX to create this transaction. The debt collection company that is dealing with this is XXXX Recovery Services. The reference number for the remaining charge is XXXX
01/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
XXXX XXXX XXXX and Tele Check is declining my personal and payroll checks for payment and cashing at XXXX retail stores, various other retail stores, and other check cashing companies. I dont know why XXXX or Tele Check is declining and not approving for my checks to be cashed or presented for payment. I want XXXX and Tele Check to immediately remove all restrictions from my consumer report and start authorizing and approving my payroll and personal checks to be cashed and presented for payment at all retail stores that use XXXX XXXX XXXX and Tele Check.
03/28/2023	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 765XX	Web
On XX/XX/2023 Amount of XXXXXXXX XXXX with a transfer fee of XXXXXXXX XXXX was made to transfer money from my company payroll card " money network " to my personal XXXX XXXX ending in XXXX money network however has failed to provide facts of date and time when payment was successfully delivered and denys to provide proper information of investigation taken in order to deny the credit of XXXX with XXXX back to my accounts and can also not provide name and date money network agents spoke to XXXX agents in regards to settle and investigate money transfer
08/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL XXXXX	Web	Older American
This is a 2nd notification that I've received from Telecheck Recovery Services that I owe {$500.00}. I've spoken with my bank reps, and was informed their banking records indicate no such transaction ever took place. Also, I didn't visit the XXXX XXXX on XX/XX/2021. I've disputed this with TRS, and they insist on me filing fraud papers. Once again, this transaction never took place. As a result of this false information in my record, I've been embarrassed, as any check that I present to a retailer is being declined due to this information in my record.
09/04/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	NM 87031	Web	Older American, Servicemember
It was check free pay thru XXXX to pay my XXXX car insurance for multiple months we didn't know the insurance wasn't getting paid till they repossessed our car. After spending multiple weeks calling them XXXX and XXXX, I was getting the runaround saying the other one had my money. The date of when XXXX didn't get its money the first time XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All was Paid thru check free pay at the XXXX XXXX XXXX. XXXX said non of these payments were received
10/06/2023	Yes	Credit 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	NJ 082XX	Web
And please refer to my previous statement dated XX/XX/XXXX So again UNACCEPTABLE. You have no explanation in regards to what I said about the agent who filed the dispute, no comment whatsoever. Both my time and energy were wasted And not that I owe you any explanation, but the reason I had requested to dispute the charge when I did is because I didnt notice the same charge on my other bank statement until the same day I called in. I do have a life and cant sit there monitoring every single transaction that occurs on my accounts. Have a splendid day
01/26/2023	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 90744	Web
This is about the middle class tax refund debt card I activated on XXXX I used it on XXXX charge was {$14.00} at XXXX XXXX XXXX then someone had stoked my credit card number and pin # I have the card with me the person that stoked my card number used it XXXX time from XXXX to XXXX XXXX 5 transaction total of {$290.00} in a 7 min at a XXXX gas station in XXXX gardens than used XXXX XXXX XXXX time XXXX XXXX XXXX XXXX XXXX XXXX CA for {$25.00} then used it on XXXX time XXXX rite aid XXXX XXXX CA for {$5.00} now I never used my card at all these places
06/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NJ 086XX	Web
Today I received XXXX letters from TRS Recovery Services stating that I owe a company called XXXX XXXX {$110.00} because of a {$80.00} purchase that I made between XXXX XXXX and XXXX XXXX. I think this is a scam because it's quite a coincidence that this happened 2-3 weeks after my wallet was stolen with all of my credentials in it. With that being said, I believe it is a scam because I don't have any purchases of {$80.00} in that time frame. The purchases that i made that were {$80.00} I verified with that company that I did not owe then anything.
04/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OK 74464	Web
On XX/XX/2023, XXXX XXXX XXXX attempted to charge my XXXX XXXX account XXXX which I should have just been charged {$26.00} because I am on the affordable connectivity program ( they charged me the amount of {$26.00} on XX/XX/2023 ). So they ended up charging me the XXXX AND XXXX which I disputed the XXXX on XX/XX/2023. A XXXX of XXXX was credited to me on XX/XX/2023 and was finalized on XX/XX/2023 through XXXX XXXX XXXX Today, XX/XX/2023, I was sent a debt collector letter from TRS RECOVERY SERVICES of XXXX which I do not owe and will not pay.
12/14/2021	Yes	Money transfer, virtual currency, or money service Refund anticipation check	Unexpected or other fees	CA 93030	Web
So I bought a product on my bank debit card money network in the amount of {$1200.00} the gentleman I bought it from stop responding after XX/XX/XXXX on a product I bought in XXXX. I put a dispute in to my bank account money net work. After waiting 90 days they refused to dispute the charge and told me it was a civil matter and when I ask to speak to a manager they left me on hold I called back and told be that its denied and there noting they can do. Horrible bank who will not help me on something I never received. My name XXXX XXXX phone XXXX
04/21/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 08724	Web
In XXXX, I downloaded a casino app called, XXXX XXXX XXXX After giving all of my bank information and cards, for their deposit & withdrawal methods, I noticed unauthorized transactions. My bank did an investigation and deemed that someone stole my money, they gave my money back.I believe this is the money that they are trying to get back from me. They hired a 3rd party debt debt collector named, TRS RECOVERY SERVICES. I explained this situation to them as well and sent a copy of my bank statement. Im waiting to hear back from them.
09/25/2020	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	GA 310XX	Web
I tried to pay a bill using my prepaid card, however the money was caught out in " XXXX '' and never got paid to the company. Its still pending even now. I have called the bill company and spoken to my prepaid card company all week with no resolve from the prepaid company. I have asked them to release my funds since XXXX XXXX, which is the date of the transaction and they have refused. I cant pay my bill. I need them to resolve this issue, but they have been unwilling thus far to help me. That's my money and I can't access it.
07/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30126	Web
Company tried to draft money from my checking account for XXXX. Bank caught this and brought to my attention, I denied the charge. XXXX does not take checks. according to form, amount is {$1.00} They have tried to call and have sent several communications asking for my social security number and my pic of my drivers license, which I did not send. Send letter back telling them I did know what this charge was for and I don't write checks to XXXX. They have a fraudulent check number. I need to have them stop contacting me,
08/10/2023	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	AZ XXXXX	Web
Stimulus card was sent to a old address... I was XXXX at the time and someone from the home we sold activated the card and withdraw all my Stimulus {$1400.00}. I was just recently released from XXXX XXXXXXXX and irs stated they sent payment to debt card .I got transcripts of withdraws and notified them I wanted to dispute the charged and I filed with the federal trade commission and with the irs About the identity theft ..Irs stated that the card company should refund ..but card company money network denies any appeal.
01/19/2021	Yes	Credit card or prepaid card General-purpose prepaid card	Trouble using the card Trouble getting information about the card	WA 98290	Web
EIP card for stimulus. Was given directions on how to activate card for use. Call the phone number on the information and asked for card number. Upon entering card number into system, it then ask for my password. I do not have a password as I am suppose to call this number to activate the card and create a password when I call. Can't give a password that doesn't exist. There is no one available to answer this issue as every time I call, it ask for the exact same request for a password that hasn't been made yet!!!!
12/07/2022	Yes	Credit card or prepaid card Payroll card	Trouble using the card Problem with direct deposit	TX 77080	Web
The card was frozen by the company without permission also to call it was frozen twice within the last two months so this is the third time they will not release the payroll funds in and giving us the runaround they keep saying 24 to 48 hours when the information that was asked for has been sent to them since Saturday and also theyre saying they didnt get the information which was sent again yesterday till yesterday is stopping us from getting food. Also paying bills and getting medication that is needed greatly.
09/17/2023	Yes	Prepaid card Payroll card	Unexpected or other fees	CA 90805	Web
On XX/XX/XXXX I call the bank to tell them to stop the transaction cause someone hack my account and where buying stuff online different state they XXXX dollars that I didn't do those purchases. They told they could not stop the transaction to send the paperwork and while they investigate they will credit my account .it 's been 56 days they denied my case four time I call every day to check the status. Everyday it's a different story they don't explain what's gong on I keep telling them that I need my money.
06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
Attached is a letter from XXXX XXXX a Notice of Data Breach of my personal information. The following transaction information listed on my Telecheck File Report Tracking Number : XXXX is not my transaction information and is the result of the data breach and identity theft : 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
05/21/2023	Yes	Checking or savings account Checking account	Closing an account Company closed your account	KY 423XX	Web
I was employed with XXXX in XXXX XXXX XXXX My pay was put on an exceed pay card. I had over XXXX dollars in my account thay shut down my account because I was not working for XXXX anymore and said they were sending me my money by check that was in XXXX said within 2 weeks. No check. I called them back thay said 2 more weeks. Still no check. So I called them back thay said no longer than XX/XX/XXXX. 2023. Still nothing I called thay say they dont know. That was my house payment and I dont know what to do.
09/14/2023	Yes	Prepaid card Payroll card	Unexpected or other fees	WV 253XX	Web
My card was used for several days without my knowledge by obvious thief 's with knowledge of this particular scam. I have attached all purchases made that were not made or authorized by me in any way. The company is refusing to do anything about it because it was digitally authorized. Whatever that means. I've been in contact with them for over a month now trying to find a resolution and I just received a letter from them ( attached ) that their not going to do anything about it and the case is closed.
09/22/2022	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	FL 322XX	Web	Servicemember
I attempted to use the card on XX/XX/2022 at a gas station ( XXXX XXXX ), by paying at the pump. It asked for my zip code but I entered it it came back wrong zip code. So my sale was canceled. I went inside to attempt to pay for gas, but my card then read insufficient funds. XXXX XXXX is XXXX XXXX, 22. And now the card company is saying it could take up to 90 days to get my money back. Why should it take so long when I reported it immediately to the card company - Money Network- on the same day.
05/22/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Don't want a card provided by your employer or the government	TX XXXXX	Web
I wanted to not agree to terms of service to receive a refund for IRS EIP money ( Paper check desired instead ). Tried to call customer service on card but there is no way to refuse terms of service or speak to representative. Activation of card is the only option. In an effort to talk to a person to request a refund I had to activate the card and then no customer service option was even offered. There is no way to contact customer service to request a refund, card activation is the only option.
07/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 194XX	Web	Older American
In XX/XX/2022 someone tried to use my on line banking at XXXX Bank. We closed account and opened a new account. Recently I received a notice from TRS collection that I owed {$4000.00} for a debt owed to XXXX XXXX XXXX. I know nothing about this. It seems someone opened an account at XXXX XXXX Bank in my name and address to pay for whatever they spent. I told TRS this was not me and now they sent a list of paperwork to fill out. I am XXXX XXXX XXXX and trying not to get upset about all of this.
07/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76001	Web
On XX/XX/XXXX I receive a letter in the mail from TRS Recovery Services , Inc that I owed them {$350.00}. The letter stated on XX/XX/XXXX a check was written in the amount of {$320.00} at XXXX XXXX XXXX. The account it references that payment was related to is an account I closed in XXXX of XXXX. I have never spent over {$300.00} at XXXX XXXX Someone used a check in my name on a closed account. I have reached out to the bank and they sent me proof of my account being closed as of XX/XX/XXXX.
09/08/2023	Yes	Prepaid card Government benefit card	Unexpected or other fees	NJ 082XX	Web
The companys response in regards to a disputed charge on my behalf is unacceptable. The agent never told me they could not dispute the charge due to it being over 120 days, hence how the dispute was able to be filed in the first place. Instead of filing the dispute, the agent should have told me it could not be filed. Had that happened, I wouldnt have wasted my time and energy filling out three pages of their stupid dispute form and faxing it to them along with a copy of my bank statement.
12/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38127	Web
This company continues to pursue a debt that was a result of fraud on my banking account, they are harassing me continually. I sent them a written validation letter via mail demanding proof of the debt claims. I stated in my letter to show they are the original owners of the debt, the only proof TRS is bringing forward is activity on my account that wasn't me and that was a fraud. This issue has already been resolved with my bank, and XXXX XXXX legal action could be taken in this matter.
08/10/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 90404	Web	Older American, Servicemember
Tried to use my personal checking account With XXXX. XXXX uses Telecheck. They avoided all questions-Poor. I am XXXX years old. This happen a few years back. My Credit is over XXXX. I pay my bills!! Even with the XXXX not asking for handouts. It's time for Telecheck to remove what ever they have. Been with XXXX XXXX XXXX for over 35 year, XXXX over 10. They are willng to give a letter on my accounts. Telecheck this is Unjust. Do the right thing and remove this! Way to long!!
04/25/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 342XX	Web
For the fraudulent accounts : On XX/XX/2022 an account ending in XXXX was used to charge {$410.00} dollars from XXXX XXXX XXXX and another charge of {$100.00} at XXXX XXXX XXXX XXXX. On XX/XX/2022 the same account charged {$290.00} at XXXX XXXX. The bank they are using is armed forces bank. I received my first 2 letters Monday XX/XX/2022 regarding the above information from TRS Recovery Services Inc. One more letter arrived XX/XX/2022 with more charges from this fraudulent account.
06/23/2020	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	AZ 856XX	Web	Servicemember
I have received 7 letters by mail from TRS Recovery Service LLC. saying I owe money for a transaction with XXXX. I pay for all my transactions with XXXX by bank debit card. All these letters say the same thing, that I wrote a check to pay and check was returned, and that my bank account was closed. They are asking for {$47.00} plus a returned check fee of {$25.00}, that total comes up to {$72.00}. It has been years since I wrote a check and my bank account has never been closed.
06/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
I am a victim of identity theft. Theres fraudulent accounts and negative information listed on my TeleCheck Consumer Report. The information is fraudulent information and accounts, not my information and dont belong to me. I was just released from prison, and was incarcerated for over 17 years. Review the attached documentation. My TeleCheck Consumer Report shouldnt have any adverse information listed on the consumer report. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX
02/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 142XX	Web
company called XXXX XXXX had hacked my bacnking account try withdrawing 3 seperate amounts {$25.00} on XX/XX/23, {$600.00} on XX/XX/23 and {$100.00} on XX/XX/23. I noticed transactions were not mine and put in dispute with my bank. Then i try calling the company but they are out of XXXX. Finally get notice from collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I never did this think its wrong these people are trying damage my credit.I have great credit.
10/01/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	FL 32210	Web
HELLO MY NAME IS XXXX XXXX I AM TALKING ABOUT MY MERCHANT ACCOUNT WITH CLOVER XXXX XXXX TO REQUEST THE SENDING OF MY FUNDS WHICH ARE FROZEN THE LAST TIME I CONTACTED THIS COMPANY THEY TOLD ME THAT I HAD TO WAIT 2 CONSECUTIVE MONTHS WITHOUT HAVING DISPUTES, TIME HAS PASSED PLEASE RELEASE MY FUNDS SEND ME A CHECK TO MY PHYSICAL ADDRESS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, SINCE MY BANK ACCOUNT IS CLOSED, SEND ME A TRACKING NUMBER TO FOLLOW UP THE CHECK THANK YOU
01/29/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	MT 59715	Web
Received an envelope marked Not a bill or advertisement. Important information about your Economic Impact Payment. Within is a XXXX credit card and the following statement : Here is your Economic Impact Payment Card enabled by Money Network. It contains the money you are receiving from the US Department of the Treasury under the COVID-related Tax Relief Act of 2020. It claims this card is being to you on behalf of the US Department of the Treasury in place of a paper check.
03/03/2023	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	CA 94583	Web
I have received a california state for middle class tax refund. I have registered with money network that has issued the debit card, However I am unable to transfer the money to my XXXX XXXX account. I have made several tries on multiple different days and multiple times. I keep on getting message that account not found. Company is incapable for any transaction and should be removed. They dont want to do transfer but want charges from debit card XXXX XXXX XXXX XXXX XXXX
07/21/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	CA 90650	Web	Older American
My XXXX debit card expired last XX/XX/2020 with {$300.00} still in it. XXXX did not send me a new working card so, on XX/XX/XXXX, I called up the company customer service and they told me " Oh we are sorry we are sending it now, wait 2-4 days, '' I waited for 2 weeks and nothing arrives. I make calls 4 times, and they made the same promise each time, I waited each time for 2 weeks and nothing arrives. I finally decided to make a complaint into your good office. Thank you
10/01/2021	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	CA 93637	Web
On XX/XX/2021 my Economic Impact Payment Prepaid Debit Card was sent out to my address. I never received my card nor had possession of it. On XX/XX/2021 I contacted XXXX regarding my EIP Debit Card. I was notified by the representative that my card had been activated and used from XX/XX/2021- XX/XX/2021. I immediately filed a dispute with them regarding the unauthorized transactions for the amount of {$5600.00} and was told by letter that my claim was denied and closed.
06/29/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	NJ 07036	Web
My economic impact money issued by the US government were scheduled to pay me on XX/XX/XXXX. I was told that I will receive a debit card issued by the bank ( XXXX ). Until today my wife and I don't receive cards. I tried numerous times call the bank ( XXXX ) but always I was disconnected because I don't have a card number ( I don't have because I did not receive it ). There are two cards issued one for me second for my wife. Both debut card should have {$1400.00}
04/16/2022	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 92392	Web
HERE IS THE POLICE REPORT ATTACHED! I have faxed to the fiserv email, yet no reply!!! Money network refuses to review this " new '' correspondence. Money network is now discriminating against me because of my race. I followed all of their protocol ( ie : submit an identity theft report, submit a police report, submit dispute report and declaration ) yet, money network refuses to properly investigate my claim and replenish my stolen funds from my family and I.
12/18/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA 92648	Web
On XX/XX/XXXX I had multiple charges on my account that I did not make, totaling {$820.00}. I contacted my bank on XX/XX/XXXX and filed a dispute with XXXX XXXX XXXX, Money Network. They denied my dispute so I filed an appeal with proof that I could not have been present at the time of purchase as I was at work. They never contacted me and when I reached out they stated that the denial stands due to the purchases that were made, despite the evidence provided.
04/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78245	Web	Servicemember
On XX/XX/2022 I noticed an authorized transaction in the amount of {$1400.00} with check number XXXX in my bank account. I called my bank to immediately dispute the transaction. Upon receiving my complaints and request by my bank, account was closed as it was being compromised for fraudulent transaction. To my greatest surprise, i received a letter dated XX/XX/2022 from TRS recovery services for collection of debt on behalf of XXXX XXXX that i never owed.
09/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CO 802XX	Web
As the parent company to TRS Recovery Services, Telecheck was told by my bank that it " denied '' payments to merchants on personal checks connected to my account that were the result of identity theft. This was after the bank had already paid the merchants once and I had been reimbursed for the theft by the bank. When the bank pulled back the original payments of the checks, I became a victim of fraud twice over by TRS Services via TeleCheck and my bank.
05/15/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 17202	Web	Older American
I received a letter saying a had a written a check that had insufficient funds from TRS recovery services. I telephoned the agency and spoke with XXXX XXXX on XX/XX/23. She stated that the account # ending in XXXX, however this is not my account. I only have a joint account with my husband and his name isn't listed on this letter. I am not aware if someone has an account using my name or if this company is a scam. I received another notice on XX/XX/23
01/02/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	TX 752XX	Web
Hello, I am a candidat from an employer company that delivery deposit for employement> I would like to looking at some occur expense to take into my account. This charge is frequently and not dispose the time automatically for charge out. Then, I suppose too not from my expense of statut ( XXXX ). I m stunned because a high amount was take out. And wish to address this subject. Because don't be sure to active this amount to out. Appreciate it XXXX
08/17/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NJ 07040	Web
Hi, My XXXX FMLA ( i.e., maternity leave ) goes into a Money Network account ( XXXX ) and I am unable to withdraw it. I have attempted to transfer money out of this account every single day for over 2 weeks and not a XXXX has transferred and no explanation. I started taking screenshots of the confirmations showing that a transfer is scheduled. I'm frustrated NJ moved from Bank XXXX XXXX to Money Network b/c I have no access to my money. Thanks, XXXX
11/28/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	NY 100XX	Web
Once again everyone 's research ( XXXX, XXXX Bank ) points to FISERV as being the culprit which continues to arbitrarily, capriciously, and without punishment blocks our legal fee payments from customers and clients, further driving our law firm into bankruptcy ( XXXX case index no XXXX and XXXX ). This all the while CFPB and other agencies still have our open complaints against FISERV open, and unanswered. Please get on top of this immediately.
04/14/2023	Yes	Money transfer, virtual currency, or money service Refund anticipation check	Fraud or scam	CA XXXXX	Web
**Also see XXXX complaint number : XXXX Fiserv closed the prior complaint without sending me the money they owe me. I left voicemail at the number they provided in complaint above and they didn't return my call. Fiserv did not provide me a reliable contact number or assigned agent to deal with the complaint above. Fiserv did not respond to my demand for lost interest and compensation for my time due to their possibly illegal business practices.
11/21/2020	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 46234	Web
XX/XX/20 used atm that did not dispense cash. XX/XX/20 called money network and dispute transaction. They said that they would credit my account and mail a dispute letter within 3-5 days. I called 3 times days after because I didnt get letter or credit. After 9 days I received letter I faxed and mailed. After many calls I am told merchant agreed to return my money. Yet after 30 days I still have not received my money and getting a run around
09/08/2021	Yes	Checking or savings account Other banking product or service	Opening an account Account opened as a result of fraud	ID 83647	Web
My ex stole my mail containing my stimulus debit card, she used my social and information to setup an online bank account and then transfered all of the XXXX into her account and I provided proof to bank it was her, ( texts from her asking me to work with her and not to press charges for her stealing the money ) the bank refused to credit my account even after filing charges against my ex. I did not setup the account or transfer the money.
01/17/2022	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	OH 43081	Web
On or around XX/XX/XXXX, Fiserv in XXXX Oh pulled my credit report without authorization. Multiple attempts were made to try and contact the company in XXXX, Oh. Even during business hours, the phone # goes to voicemail and there is no way to leave a message. The number provided on the credit report itself, goes to XXXX and they could not provide any help nor did they speak fluent English. Fiserv XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX
09/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91801	Web
Received a TRS recovery service letter trying to collect a debt from XXXX. Based on the information given from TRS, a purchase was made on a declined check at a XXXX store in XXXX XXXX, CA. I've never been to XXXX XXXX before. The check supposedly came from a closed bank account ( acc # ending in XXXX ) from XXXX XXXX I don't have any bank accounts with XXXXXXXX XXXX. The phone number they had on record ( XXXX ) XXXX is also inaccurate.
06/30/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	CA 925XX	Web
The second round of stimulus was issued to me on an economic impact payment card. the card was sent to the wrong address. I have not been able to contact the XXXX team to that I can get another one mailed to my correct address. There is no option to speak to person everything is automated and it makes the process impossible to fix. There should be an option to speak with a live representative that help consumers get the help they need.
07/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	HI 96815	Web
Received paper letter from Fiserv saying it paid a utility bill on my behalf from a bank account I closed and that I owe them the money. The bank account # they referenced was not mine, but I did have an account at the bank they mentioned that I did close. They had my full name and address correct. They said to call Fiserve at XXXX but I'm not doing that. The mailing address for Fiserv on the letter is XXXX XXXX XXXX XXXX, OH XXXX.
05/23/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	CO 80439	Web
On XX/XX/2020, my wife and I received a Visa Debit card neither of us applied for. The address is Money Network Cardholder Services, XXXX XXXX XXXX, XXXX, NE. There is a Department of Treasury Seal on the letter. If this letter had fallen into the wrong hands and/or was not delivered to the correct address, a fraudulent person would have opened this card without our knowledge. This is a disgrace. Do not this case card or this bank.
05/06/2020	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	CA 92505	Web
Hi, associate. : My name is XXXX XXXX..l am filing a complaint. My checking was reported fraud activity on XX/XX/2020. Somebody used my checking to make a payment of {$96.00} at XXXX on XX/XX/2020.I login my account and found out the {$96.00} was still pending. So l called the bank to stop payment.And after this, there was a huge amount of moneytransfer from my account through electronic and other check ( {$190.00} ) was pending..
12/29/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting a working replacement card	FL 322XX	Web
I have tried 6 attempts over the last three months to get a replacement card, gone through the process, and was told I would have a replacement card in 10 days. I tried again today and still have been unable to talk to a human about my problem, it has all computer generated and I have been unable to talk to a representative of this company. I've had to lock my card and have been unable to use it because I need a replacement card.
06/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 653XX	Web
Was denied the right to write a check at XXXX due to Telechex. While reviewing the information found they are claiming two checks have been returned but have not been but were paid by my check. As of Friday XX/XX/2023 XXXX thru Telechex tried to send a check again thru my bank with the same check number which had already been paid. But with different amount. As well as numerous of inquiries which are not mine please remove these
02/14/2023	Yes	Money transfer, virtual currency, or money service Traveler's check or cashier's check	Fraud or scam	AL 357XX	Web	Older American
I sent a cashiers check ( {$20000.00} ) from my bank ( XXXX XXXX ) on XXXX XXXX investments for investing in son '' s account ( XXXX XXXX XXXX XXXX XXXX The office closed and they returned the chech to me non negotiated XXXX. The Bank farmed out the check to XXXX XXXX XXXX XXXX ( later bought out by " Fiserv '' XXXX Fiserv XXXX XXXX Wi. XXXX. Who has my money? should it not have been sent to the state? if so, which state?
09/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07430	Web
On XX/XX/XXXX, I got a letter from TRS saying they bought a debt of mine that was not a valid debt, as can be seen in the attached file, the bank returned the money to the merchant, I right away provided the information via their website, and never heard back. On XX/XX/XXXX they sent me a follow up, I called on XX/XX/XXXX and they told me the dept that handles paid debts is not reachable and I should just wait for them.
08/03/2020	Yes	Money transfer, virtual currency, or money service International money transfer	Fraud or scam	CA 90278	Web
I have been scammed with money transfer through XXXX, XXXX, and 1-time transaction XXXX. XX/XX/XXXX XXXX and XXXX through XXXX. XX/XX/XXXX XXXX and XXXX through XXXX XXXX. XX/XX/XXXX {$50.00} through XXXX. XX/XX/XXXX, XXXX, XX/XX/XXXX with XXXX each which sums up {$410.00}. The merchant 's name was XXXX XXXX XXXX in the XXXX associated with XXXX XXXX that's part of the scam. The company is Money network XXXX XXXX XXXX.
10/21/2022	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	FL 342XX	Web
On XX/XX/2022 and again on XX/XX/2022 fraudulent transactions were made against my checking account. On the account detail line " Telecheck '' and their phone number appears in the payee line. I have contacted the company who refuse to assist in any way, claiming they were not the recipient of the stolen money. However Telecheck facilitated the theft, allowing and encouraging the final recipient to steal the funds.
01/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78247	Web
Telecheck is reporting wrong and inaccurate information about me to companies such as XXXX causing me to be denied services that I should otherwise be able to use. I have been a victim of massive identity theft and have spent years trying to resolve it unsuccessfully and I've requested reports from them who have made it near impossible to dispute erroneous and falsified information that has caused me harm.
04/14/2020	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	KY 42701	Web
My credit score started drastically. So i started to do some research. I found out someone somewhere has a bank account in my name. The bank account number is the same as my social security card number. And the billing address is the same on both of these accounts also. And the account name is my name. I would like to know who has ruined my credit? This is not my account. Who is commiting fraud against me?
06/25/2022	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 75060	Web	Servicemember
XXXX XXXX, my payroll debit card was compromised and {$100.00} was taken out of a XXXX ATM machine inside a XXXX XXXX XXXX XXXX in XXXX Texas XXXX I've contacted police department by phone in XXXX and as a result, no report can be made since it's not criminal according to the police. Fraud is criminal correct? Please follow up with me to see about further reporting and catching this culprit. Thank You.
07/30/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 90805	Web
On XXXX XXXX someone use my card and spend almost XXXX dollars on stuff and i call my bank when it was still pending to stop it they said i had to wait until it goes thru so i could do an dispute. Then that i had to send the paperwork before ten days. Now its been 6 days already am keep calling cause i need to make my car payment that i need my money. Now they say its gon na be 45 days.its not fair.
06/12/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 70056	Web
I didn't receive enough information to verify the debt. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could mail, fax, email in a fraudulent account.
11/05/2021	Yes	Credit card or prepaid card Gift card	Problem getting a card or closing an account Trouble getting a working replacement card	CA 91335	Web
Money Network card expired in XX/XX/2021, checked to find existing balance. online checked and found the following transaction - XXXX XX/XX/2021 ( {$81.00} ) Close Account XXXX XXXX. called XX/XX/2021 to get the replace card but explained that funds were returned to the purchaser, which is my employer. contacted the employer, gotten informed that funds never get to returned back to the purchaser.
12/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 44124	Web
Several months ago I had a charge on my checking account with XXXX Bank from XXXX, for {$30.00}. I did not authorize any such charge. I contacted XXXX, and was told I had no orders for that amount. I called XXXX and disputed the charge. Today I got a letter from TRS saying I owe XXXX {$30.00} for a stop payment. I never authorized any such charge to XXXX, and do not owe this debt.
11/03/2022	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 29108	Web
On XX/XX/2022 someone transfer XXXX out of my debit card into XXXX XXXX XXXX XXXX XXXX. I found out about this XX/XX/2022, I called the debit card company and they advised me to file dispute and I did and faxed them the paperwork. They told me they have an investigation team that will be handling the dispute and it will take up to 45 or 90 days for the dispute team to reach a decision.
05/29/2020	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble getting information about the card	AR XXXXX	Web
The Money Network Cardholder Services ( EIP ) bank that handles the stimulus payment debit cards will not provide a customer service person to speak with. After my first call when I inquired the balance of the card, I cant reach anyone in customer service by phone at the number they have provided,XXXX. No prompt is made available to connect with a person at this faceless institution.
08/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 496XX	Web
Someone stole my identity end of XX/XX/2023 and opened or applied for various credit cards, bank accounts, loans, credit, etc. I have no further information other than I put a freeze on my credit after receiving denials from XXXX creditors in the mail stating they couldn't verify my identity. This one from XXXX XXXX or XXXX is one that I've actually received collection for.
07/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30014	Web
TRS RECOVERY SERVICES ARE FRAUDULENTLY STATING THAT THEY'RE COLLECTING A PAYMENT FOR XXXX. I DO NOT HAVE A CREDIT ACCOUNT WITH XXXX NOR DID I STOP A PAYMENT ON XX/XX/2023 WITH MY BANK AS THIS COMPANY IS STATING THEIR REASONS FOR COLLECTING PAYMENT FOR XXXX IS BECAUSE OF A STOP PAYMENT. THEY ASK FOR A VERY SPECIFIC PAYMENT OPTION. ONLY PAY WITH SMARTPHONES OR CASHIERS CHECK.
05/16/2023	Yes	Checking or savings account Checking account	Closing an account Can't close your account	VA XXXXX	Web	Older American, Servicemember
I have been trying to close my bank accounts listed thru telecheck for the XXXX XXXX XXXX XXXX. The casino tells me they can not just close these accounts and told me to close thru their 3rd party Telecheck. I can not get them to simply close these accounts off The XXXX XXXX check cashing system. Please help me have any and all financial institutions removed from Telecheck.
06/04/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	TX 75067	Web
Covid-19 EIP Stimulus Card : We still haven't received our EIP Stimulus card from the money network company. This company is supposed to issue government issue stimulus cards for Covid-19. We can't reach them or talk to them to get the status of our card. Here is their information : Money Network Cardholder Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
02/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 210XX	Web
It started in XX/XX/22 thur XXXX..someone hacked my bank account and charged money for XXXX XXXX..which I have not use their services. Plus there are No XXXX service in XXXX Maryland! Also I work everyday as a driver for a company. DO NOT NEED OR USE XXXX SERVICE! They are trying to get the money from me on my credit. Any help would be appreciated. XXXX XXXX XXXX thanks
10/02/2022	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	NV 89503	Web
XXXX will not allow me to write my own checks anywhere for any amount. There is nothing negative in their report- my bank account is valid and good standing. Every time I attempt to write a check anywhere it's gets denied by telecheck because its '' not my usual check writing behavior. I literally have to call telecheck every single day to use my bank account anywhere
11/10/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 18504	Web
I received multiple calls and computer speaks about this {$40.00} bill. then they hang up. I receive a letter today XX/XX/2022 after 2 weeks of the ongoing phone computer calls. It says XXXX XXXX. I have no Idea who this is. I have no recognition what this company does or where they are. I filed bankruptcy in XXXX. So, I am Disputing this crazy bill. It is not mine.
11/06/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Trouble accessing funds in your mobile or digital wallet	CA 91202	Web
I used clover as my business merchant service provider. On XX/XX/2023, Clover decided to close my merchant account and held over {$23000.00} fund as reserve. The fund are held over 90 days now and when I requested an update, the representative advised the the fund will stay there forever and advised that I will not receive the fund that belongs to my business.
05/27/2020	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble getting information about the card	NY 11763	Web
The EIP Card issued by Money Network Cardholders Services website does not direct me to " How I can transfer money on the card to my credit union? ". The cfpb website doesn't have any information through any of its links to the EIP Card. The one source to help me from a cfpb website for transferring money to a personal account leads me to a NOT FOUND page.
06/27/2023	Yes	Money transfer, virtual currency, or money service Check cashing service	Fraud or scam	CA 956XX	Web
Somebody broke into my car and stole my wallet that included my ID. They have written checks at XXXX TRS recovery services Inc. have mailed me 2 forms as an attempt to collect debt First form was received by Mail : XX/XX/2023 Reference number : XXXX Amount : {$9300.00} Second form was received by mail, XX/XX/2023 Reference number : XXXX Amount {$10000.00}
04/23/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	OH 440XX	Web	Servicemember
XX/XX/2023 {$57.00} XX/XX/2023 {$3400.00} XX/XX/2023 {$140.00} XXXX XXXX {$590.00} XX/XX/2023 {$340000.00} XX/XX/2023 {$100000.00} XX/XX/2023 {$290000.00} XX/XX/2023 {$1.00} XX/XX/2023 {$99000.00} These deposits are being held by XXXX XXXX XXXX for an indefinite amount if time, and it may cause my business to close soon if our funds are not released.
06/07/2023	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	GA 30248	Web
There was XXXX XXXX transactions made on my account on XX/XX/2023 for XXXX and XXXX that I did not make or authorize. I contacted them to dispute the charges and they denied my dispute. I feel this company did not properly handle or investigate the dispute throughly and they have a history of just denying charges you did not make on your account.
01/18/2023	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble closing card	CA 90043	Web
the middle class debit card i received was already used.everytime and everyday for the past 3 weeks i been calling everyday to speak with a representative about my fraud account and i wait for hrs and when someone answers i get rerouted to another call and then it hangs up..i need help solving this issue..i been calling both numbers XXXX and XXXX
11/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	MD 20747	Web
I have been disputing information on my credit reports with all 3 bureaus and between the 3 of them none of my information is accurate. I just was declined for an apartment and I received my report. XXXX is still showing inaccurate information on my credit report as well as XXXX. My scores are all different between the 3 and this is frustrating.
05/24/2020	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble using the card to send money to another person	FL 344XX	Web	Older American
I received an Economic Impact Payment card from Money Network Cardholder Services and I phoned the number provided XXXX XXXX but only got recorded messages. There is no phone number to reach a human. I want to get the Money Network checks which they refer to and which are referred to on your website, but I have not found any way to get these.
07/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	WI 530XX	Web
This company called TRS is sending fraudulent papers in the mail pretending to be work for XXXX XXXX. But i called the XXXX XXXX XXXX XXXX, they told me, they have no Idea what I talking about. I sent them a copy of the letter, not sure your company has a copy. This need to prosecuted to the fullest extent. Thank you XXXX from XXXX XXXX XXXX
12/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web	Older American
I have received 7 documents from TRS recovery service, in ref to collecting payment for XXXX XXXX these are not my account, do not have XXXX XXXX account XXXX TRS recovery services Inc XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am contacting collection co and filing claim.. this is not me
05/27/2020	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble getting information about the card	AL 357XX	Web	Servicemember
Money Network XXXX XXXX sent me a stimulus prepaid card under the name XXXX XXXX My name is XXXX XXXX XXXX XXXX. You can not talk to anyone on the XXXX XXXX line its all prerecorded junk and then they hang up. I activated the card but I can't use it under this name. Really bad implementation. As a retired government employee, I am ashamed.
09/23/2023	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	VA 23323	Web
I have a work card through money network. on the week of XX/XX/23. I could not access my account. Once I was able to contact customer service and get into account, I noticed {$2000.00} was missing. It appears someone hacked into my bank account and stole my money. Money network says they can not help.I did not authorize this bank transfer.
03/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 44310	Web
TRS Recovery Services contacted me about a returned payment from XXXX for {$17.00}. A statutory returned check service fee for XXXX was also issued. The total amount coming to {$41.00}. The item was returned to XXXX ( backup attached ). XXXX has confirmed this item was returned. This is now considered resolved and TRS will need to close.
08/08/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	AZ 85048	Web
Clover/Fiserv has been holding my funds for the past 6 months and refused to release it. I have called over 15 times to correct this error and have been told the funds will be deposited into my bank account within 3-5 business days. The funds have not been deposited and Fiserv refuses to release my funds to me after my most recent call!
01/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30294	Web	Older American
False claim for debt was submitted to XXXX XXXX XXXX XXXX XXXX Maryland XXXX Inc. located at XXXX XXXX XXXX XXXX XXXX, COXXXX. The Agency ID # XXXX. Claim was made that the debt is long overdue. The agency calls constantly and harrasses us for a debt we do not owe. The alleged amount is {$290.00}. We have disputed this claim repeatedly.
06/02/2020	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	KY 42701	Web
Please see the attached imaces i have attached as proof. Please ask Telechek to get my information correct before i file fraud charges against them. I have asked them 4 times allready. The info is as follows : Business account name : XXXX XXXX XXXX XXXX account address : XXXX XXXX XXXX XXXX, KY XXXX Business phone number : ( XXXX ) XXXX
05/29/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	IL 60660	Web
When I typed in my social and address on get my payment from the IRS, it says my check was mailed XX/XX/XXXX. It is now XX/XX/XXXX and I believe that my payment was sent via debit card without notice and was accidentally thrown away. The EIP card that I was going to receive looked like junk mail which may have caused me to throw it out.
08/23/2023	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	CA 92508	Web
Ok so my stimulus card with XXXX $ on it was stolen out of my mail box I was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so when I get out I call and all my funds were stolen I disputed it 2 times I even showed them proof I could have. Not used that card and they denied every claim
04/07/2023	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	CA 91356	Web
Middle class tax refund card was stolen in the mail. Requested replacement. Replacement was sent. Set it up, and noticed that balance was only XXXX . Clearly the money was stolen. Unable to contact company. Company does not have an adequate fraud line. Attempted to call over 10 times. There is no customer service agents who answer.
09/22/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 45005	Web
XX/XX/23 XX/XX/23 XX/XX/23 I have been asking and submitting information about an item they have but this will not issue me ang WRITTEN notification ( s ). All I get is the RUN around. Bad customer service. No validation on/for what the say in written form!! XXXX TRS Recovery Services , Inc. XXXX XXXX XXXX XXXX, GA XXXX XXXXFax
05/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 34786	Web
The debt is with XXXX XXXX XXXX. The debt was paid with a settlement offer by XXXX. The amount was XXXX and settlement was XXXX. The company never notified the credit union. Telcheck took payment on XX/XX/2021. The reference number Company : TELECHECK SERVICES C-3 Reference Number : XXXX Acct : XXXX Rounting. XXXX XXXX XXXX XXXX
04/13/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23112	Web
I was sent a phishing email impersonating XXXX along with a letter from TRS Recovery Services in XXXX, GA stating that they were collecting debt on XXXX behalf. I contacted XXXX who told me it was a scam and they never tried to collect any debts from me. I'd like to report TRS Recovery Services to CFPB for their involvement.
09/26/2023	Yes	Prepaid card Government benefit card	Trouble using the card Trouble getting information about the card	CA 90732	Web	Older American
Fraud on my XXXX card. Funds were used but not by me. Money Network denied my fraud claim. Ive sent emails and made phone calls since XX/XX/2023. They didnt respond. On one phone call I was told Id been denied. I submitted a complaint to XXXX. No response. Im out {$350.00} and dont know any way to rectify this loss.
02/23/2023	Yes	Credit card or prepaid card Government benefit card	Unexpected or other fees	NJ 082XX	Web
Money Network has agreed to issue final credits to my account as per the fraud claim I had filed back on XX/XX/2022. However, they left out XXXX transaction, which was for XXXX, {$34.00}, charged on XX/XX/2022. Not really sure how they missed it, as it was the first transaction disputed on the claim form...
03/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07024	Web	Older American
Received a letter I owe XXXX XXXX XXXX XXXX Tele Check Services , inc {XXXX} The Collection company is TRS Recovery Services. I am XXXX and haver never owned a tractor and live in an apt . TRS Transaction # XXXX Reference Number # XXXX They keep asking for my personal information SS # & Bank Information
01/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	CA 92620	Web
I had Telecheck decline to approve a check. They do NOT answer the phone and every self-service option I try on the website goes nowhere. There is NO way for me to find out why they would not approve my checks. My credit and banking history have been perfect for many years. This is absolutely UNACCEPTABLE!
03/17/2022	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 92392	Web
Money network is now XXXX against me because of my XXXX. I followed all of their protocol ( ie : submit an identity theft report, submit a police report, submit dispute report and declaration ) yet, money network refuses to properly investigate my claim and replenish my stolen funds from my family and I.
11/07/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28379	Web	Servicemember
XXXX XXXX 2020, and XXXX XXXX they say that I wrote bad checks. XXXX XXXX in the Amt. of {$41.00} and the Check on XX/XX/XXXX in the amt. of {$80.00}. I also called the creditor and they don't see any record of me writing the checks. The company that is trying to collect my money is TRS Recovery Services.
11/30/2022	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	NC 280XX	Web
XXXX XXXX someone opened a fraudulent account in my name and then on the same day wrote a fraudulent check in the amount of {$33.00} to XXXX services and created a collection notice in my name that included the {$33.00} plus a returned check fee of XXXX I called Bank of XXXX and XXXX the accounts closed.
11/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77489	Web
My identity was stolen and someone charged 24 rides on XXXX. XXXX sold the account to TRS Collections after I had notified them of the fraudulent charges. I have since contacted TRS by phone and sent them the FTC idenity theft report. They are still trying to collect the charges totaling over {$450.00}.
01/24/2023	Yes	Credit card or prepaid card Government benefit card	Unexpected or other fees	NJ 082XX	Web
I filled out a dispute form and both emailed and faxed to this company back on XX/XX/2022, for a fraud claim I had filed with them shortly before over the phone. They only resolved one measly charge, out of the 13 that I reported fraudulent. They completely eluded about 90 percent of my fraud claim...
04/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 85006	Web
This debt collection I have no clue about or where it has come from. I have never done any business with this company, they are threatening to put this on my credit report. I dont believe its fair & it is illegal. I want it removed from all credit bureaus as a soon as possible if I guys can help me
04/28/2021	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	VI XXXXX	Web
I paid saving account ending with XXXX for {$5.00} and paid the checking account ending with XXXX for {$130.00} with settlement. The debt still being reported as unpaid ; when it's paid. TRS Recovery still haven't send me a Paid in Full letter. XXXX still didn't update reporting agencies.
08/14/2023	Yes	Money transfer, virtual currency, or money service Virtual currency	Other service problem	NY 11205	Web
1 ) Charging a higher CC rate % than promised in writing. 2 ) Charging me for merchant company errors transaction fees. 3 ) Charging me for service I didn't use. 4 ) Telling me providing customer service, when not providing. 5 ) Asking personal info on ACH like clients SS #, address.
12/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AL 359XX	Web
My purse was stolen and the person that stole my wallet ordered merchandise from XXXX using my checking account and other information they found in my purse. I contacted Telecheck to advise them that I am a victim of identity theft. They refuse to stop trying to collect the money from me.
05/11/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 22204	Web
I received a letter from TRS Recovery Services, stating that I have a debt with XXXX XXXX but I didn't shop there. I lost my checkbook months ago, and someone cashed a check for a large amount and my bank won't believe me. XXXX XXXX is attempting to collect {$290.00}, for some reason.
08/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11373	Web
Hello, I have been receiving several debt collections from TRS stating that I have a balance to pay to XXXX XXXX. I have never used XXXX nor do I have an account with them. Thats, 's not a valid debt but, I am tired of receiving so many debt collections emails, that I don't know.
04/08/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	CA 93726	Web
I had {$7000.00} transfer from my savings to my account then transferred to a personal account without my consent. My bank did a investigation on this dispute and determined no error occurred, case closed. XXXX they can do more with this investigation or at least refund the amount.
12/19/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PA 164XX	Web
Have around {$5600.00} I need refunded asap that was stolen been waiting over 4 weeks now and havent even got a letter to sign saying that it was stolen and to continue investigating with my money network XXXX debit card There numbers XXXX My names XXXX XXXX XXXX XXXX XXXX XXXX
05/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 206XX	Web
I received an email in regards to unpaid transactions from XXXX. I looked on my bank account they all were paid in full before I received the email. I tried to use my XXXX account it was locked I called them and they gave me the exact transactions that were showed on my account.
05/16/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	NY 10012	Web	Older American
This is a follow up to my previous complaint with Money Network. They said they mailed a check for the remaining balance on my account ( XXXX ) on XX/XX/XXXX. It is XX/XX/XXXX and I have not received the check. This is the second time they have said they are sending me a check
02/03/2021	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble using the card to spend money in a store or online	CA 92505	Web
the Economic Incentive payment card I was sent does not work. I can access the Money Network website but I can not wire money out. I can not Activate the card because I can never get a hold of anyone on the 800 line. Therefore, the money XXXX approved is not available to me.
10/06/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30294	Web
We have been harassed by a company -- XXXX XXXX of XXXX of Maryland who might be located at XXXX XXXX XXXX XXXX XXXX, CO XXXX. They are demanding payment for money we do not owe. They allege that the debt was incurred with XXXX XXXX. Please have them cease and desist.
07/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19130	Web
My checking account was closed to do this fraudlent check which i thought was taken care of back in feburary. Then I had to get my bank involved over a {$300.00} check that never should have cleared. My checks were thrown away! I will be sending over documentation!
12/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	RI 029XX	Web
TRS Recovery Services is trying to collect for a creditor called XXXX XXXX. I never did any business with this XXXX XXXX company. TRS is stating that I owe XXXX XXXX {$1000.00}. I never made no inquires to this company and never told them to open an account for me.
01/04/2021	Yes	Credit card or prepaid card General-purpose prepaid card	Problem with overdraft Overdraft charges	OH 444XX	Web
I have my paychecks deposited onto a Money Network Card which also my stimulus check was deposited onto. They have incorrectly processed a dispute which was showing my account overdrawn by {$1000.00} now I am unable to gain access to the {$600.00} stimulus deposit.
11/08/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 60657	Web
I received a letter from the TRS Recovery Services saying I have a debt with a company I am unaware of. I have recently been a victim of identity theft and think this is connected. Please let me know if you need additional information. My reference number is XXXX.
10/12/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	HI 96817	Web
Contacted XXXX about the letter I received today regarding a debt of {$90.00} dated XX/XX/2022 and they didnt find any debt or missed payment from my account. The letter from TRS recovery services stated I owe the amount that originated from XXXX marketplace pmts.
01/18/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	CA 93455	Web	Older American
I received what appears to be a credit card in the mail today. The letter states that this contains money from the US Department of Treasury under the covid-19 Tax Relief act of 2020. It makes it sound like I need to activate this card to get my stimulus payment.
04/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MN 564XX	Web	Servicemember
XX/XX/2022 we were charged XXXX and on XX/XX/2022 we received a letter from the TRS recovery services saying we owe XXXX on an account that was an identity theft account. XXXX XXXX XXXX was the account that turned it into the collection agency.
04/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MN 564XX	Web	Servicemember
XX/XX/2022 we were charged XXXX and on XX/XX/2022 we received a letter from the TRS recovery services saying we owe XXXX on an account that was an identity theft account. XXXX XXXX XXXX was the account that turned it into the collection agency.
09/06/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	OH 44122	Web
A transaction for the amount of {$840.00} was made in cash at this location, threw a system called CheckFreePay. The following payments were for utility bills, both entities confirmed that these transactions were not found or made.
01/28/2023	Yes	Credit card or prepaid card Government benefit card	Unexpected or other fees	CA 92376	Web
I received the tax refund middle class but when I activated it from the total amount they withdraw money {$350.00} were approved but it only had {$140.00} the rest is missing and the company o bank doesn't fix the problem yet.
06/08/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ XXXXX	Web
Received letter on XX/XX/22 in which they demanded payment. I responded with a certified letter on XX/XX/22 requesting validation. They have not responded for 2 months but continue to report this debt to the credit bureau.
03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	UT XXXXX	Web
XXXX XXXX is reporting fraudulent accounts on my XXXX XXXX consumer report, I have disputed all the inquiries and the fraudulent checking accounts that they have in my good name, but XXXX XXXX XXXXXXXX has not responded.
03/18/2021	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble getting information about the card	TX 76210	Web	Older American
Received EIP card but no PIN. Can't activate card or get anywhere on any website without the PIN. I can't even cancel it by calling XXXX or on the EIPCARD.COM website without the PIN. Can't use it, can't cancel it??????
05/27/2020	Yes	Money transfer, virtual currency, or money service Virtual currency	Fraud or scam	KY 42701	Web
I placed an order with XXXX. XXXX transactions go thru telecheck. They are both telling me different stories about my purchase that was COMFIRMED and has not been received. Please see the ( PROOF ) images i have attached.
05/28/2023	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	GA 30157	Web	Servicemember
I had XXXX XXXX XXXX dollars on a money network account and there were many fraudulent transactions on my account equalling XXXX dollars I have had no luck with law enforcement lawyers and the company itself
12/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 38127	Web
This debt is not mine, my account was subjected to fraudulent activity I provided a letter for TRS to recover to prove this debt is mine they still havent provided Im a victim of identity theft/forgery.
11/21/2022	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	GA 30080	Web
TRS Recovery Services I do not appreciate the constant harassments and threaten from TRS attempting to collect a debt that is not mine and I will not paying. I have attached my cease and desist to TRS
12/27/2022	Yes	Credit card or prepaid card Government benefit card	Unexpected or other fees	CA 92376	Web
I active it the card from my tax refund XXXX XXXX on XX/XX/XXXX when I register my account on XX/XX/XXXX my balance was {$140.00} and the amount i received was {$360.00} they withdraw me {$220.00}.
05/18/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	WA 98109	Web
They are claiming that I have a debt with XXXX and them .... I called to confirm that I have NO debt with XXXX and they are harassing my family and i to pay them money that we do not owe.
02/17/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MA 02131	Web
I received a letter from TRS recovery services claiming I owed a debt of {$58.00} through XXXX XXXX. XXXX couldn't verify I owed anything. I don't know where this amount came from.
03/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA XXXXX	Web
I received letter Ref XXXX regarding TRS Ref XXXX on XX/XX/2020 but dated XX/XX/2020, that they will not remove debt XX/XX/2020, after my ch XXXX XXXX was converted on XX/XX/2020.
11/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 18966	Web
received a letter in my job address i did not approve of anyone contacting me at work againt the law and 2nd i do not owe XXXX spoke to XXXX everytime i orders i was charged
08/25/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ XXXXX	Web
Filed Dispute, company has not responded. Received only copy and paste of the letter they sent, with ZERO validation and ZERO additional information. This debt is not valid.
02/07/2023	Yes	Credit card or prepaid card Government benefit card	Unexpected or other fees	CA 90065	Web
All the money was taken from my middle class tax refund card before I even gotten it and the company says it will take XXXX days to investigate if I will get my money back.
05/23/2021	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble getting information about the card	MI 48154	Web	Older American
We received an XXXX card as covid 19 stimulus. I called in and got a pin number. However, the card balance is XXXX. Why? I can't get an answer from XXXX XXXX XXXX XXXX.
05/30/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting a working replacement card	AL 354XX	Web	Older American
I destroyed my VISA Debit Card by mistake, the name of the Card was very irritating ( XXXX XXXX XXXX - Part of my spouses name ) and I was thinking it is a fake Card.
04/02/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	OH 44107	Web
Transfer from XXXX to XXXX was stopped. Fiserv is currently holding {$500.00} from me. This money has to be returned to my XXXX account. XXXX is also known as XXXX.
09/18/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	WI 54311	Web
Tele check keeps taking almost {$100.00} from my checking and I never signed up for it. I can't get ahold of anyone or any answers how and why they keep doing it.
03/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MS 392XX	Web
XXXX accepted a check without proper identification and an improper last name. Now, they want me to pay for their mistake. I have never had a XXXX XXXX account
04/09/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 18018	Web
I had fraud on my bank account account so I had it frozen. TPS recovery services then sent me several notices for collection of debt that I do not owe.
04/15/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	CA 92869	Web
I would like to try transfer in domestic account ... but shows " Invalid account status '' which is active & current thus transfer is not available
01/25/2021	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	FL 34135	Web
XXXX does not allow transfers to my bank account. It keeps giving errors and there is no way to transfer money. https : //card.moneynetwork.com/
10/31/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Investigation took more than 30 days	NC 286XX	Web	Older American
I sent telechek a letter on XX/XX/2023, a hard copy of check. It is now XXXX XXXX, XXXX and no response from telecheck. Thanks XXXX XXXX XXXX XXXX
10/31/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	NY 100XX	Web
Once again FISERV via XXXX and XXXXXXXX XXXX are preventing our law firm from getting paid by our clients. See the attached latest example.
04/05/2021	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble using the card to spend money in a store or online	CA 92505	Web
I am unable to activate the EIP card from the Money Network. This means I can't access the money the government wants me to have!!!
10/02/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	NY 100XX	Web
FISERV IS BLOCKING OUR XXXX MONEY TRANSFERS FROM OUR LAW FIRM CLIENTS TO OUR XXXX XXXX ACCOUNT, ACCORDING TO XXXX XXXX
08/22/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	AZ 85023	Web
XXXX has blocked my access on XXXX XXXX to make XXXX XXXX and this was done, when I have $ XXXX funds in the account
01/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	AL 36532	Web
Telecheck is not keeping up with its check approval database which has resulted in my business check being declined.
01/31/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38127	Web
This debt is not my debt I was subjected to XXXX XXXX not responsible for any transactions concerning this matter.
12/10/2023	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	HI 96797	Web
Clover/Fiserv is witholding over {$29000.00} in deposited merchant payment funds without cause since XX/XX/2023.
07/25/2020	Yes	Credit card or prepaid card General-purpose prepaid card	Trouble using the card Trouble getting information about the card	FL 32003	Web	Older American, Servicemember
Unable to activate the EIP stimulus visa debit card. The card is issued thru MONEY NETWORK CARDHOLDER SERVICES.
03/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 381XX	Web
I recieved correspondence from First Data on XX/XX/2021 attemting to collect a debt that does not belong to me
07/22/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting a working replacement card	GA 316XX	Web
I lost my eip card and need a replacement card and want it cancelled the old one and sent to my new address
06/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 80219	Web	Servicemember
XXXX XXXX AND XXXX XXXX WILL NOT REMOVE THE INQUIRES AND IN ACCURATE INFORMATION FROM THEIR RECORDS.
07/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	AL 35244	Web
I requested a security freeze on XXXX XXXX and it hasn't been placed on and it has been 2 months.
12/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30080	Web
TRS is attempting to collected a Debt that is not mine, I have attached my Identity Theft report
06/28/2021	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 Problem with personal statement of dispute	TX 75081	Web
I sent the attached letter to Telecheck on XX/XX/2021 but the Post Office returned it to sender.
11/11/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	NY 100XX	Web
What is wrong with this company that they literally cancel/prevent everyone from paying us!
08/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	MI 482XX	Web
Letters was sent on XXXX XXXX requesting to freeze file and I havent received a response
07/27/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC XXXXX	Web	Servicemember
Account was put on credit report, causing loss, financial hardship and denial of credit
05/31/2023	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	MN 55343	Web	Servicemember
I am having an issue getting my Telecheck, XXXX XXXX and XXXX credit report.
01/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 38127	Web
This debt is not my debt my account was subjected to identity theft/ forgery.
06/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 774XX	Web
I requested security freeze back in XXXX and they have yet to be honored.
04/15/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85206	Web	Older American, Servicemember
I don't owe this company this company is not licensed in the State of Az
03/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 331XX	Web
Fiserv is trying to charge me a fee for a service we did not use.
07/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 624XX	Web
I received a letter saying I owed money for an order I cancelled
04/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 38127	Web
This is not my debt this debt is a result of forgery on my name
02/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38127	Web
This is not my debt this is result of identity fraud / forgery.
02/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 38127	Web
This debt is not mine I was subjected to identify/forgery
04/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 38127	Web
This was result of identity theft/ fraud
09/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 754XX	Web
Stolen checks resulting in check fraud.
07/27/2023	Yes	Credit card or prepaid card General-purpose prepaid card	Advertising Confusing or misleading advertising about the card	MI 48235	Web	Older American, Servicemember
WRONG NAME ON THE ADDRESS BAR.
11/20/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PA 164XX	Web
My account was hacked
02/09/2024	Yes	Prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	CA 92307	Web

02/08/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78752	Web

02/08/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75087	Web

02/07/2024	Yes	Credit card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	CA 94565	Web	Servicemember

02/06/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78752	Phone

02/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 951XX	Web

02/04/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28451	Web

02/03/2024	Yes	Prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	CA 92532	Web

02/03/2024	Yes	Credit 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	NJ 07060	Web	Older American

02/01/2024	Yes	Prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting a working replacement card	CA 90064	Web

01/31/2024	Yes	Prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	MO 63136	Web

01/31/2024	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 90046	Web

01/31/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 15202	Web

01/31/2024	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	DC 20001	Web

01/28/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78245	Web	Servicemember

01/27/2024	Yes	Debt collection I do not know	Electronic communications Contacted before 8am or after 9pm	CA 94591	Web

01/27/2024	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	MA 02130	Web

01/24/2024	Yes	Prepaid card Government benefit card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	NV 89122	Web

01/23/2024	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 94558	Web	Servicemember

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 76542	Web	Servicemember

01/20/2024	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	FL 33139	Web

01/20/2024	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NM 871XX	Web

01/20/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MN 55304	Web

01/19/2024	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Confusing or missing disclosures	FL XXXXX	Web	Servicemember

01/18/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	KY 421XX	Web	Older American, Servicemember

01/18/2024	Yes	Prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	CA 90501	Web

01/17/2024	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	CO 80651	Phone

01/16/2024	Yes	Checking or savings account Checking account	Managing an account Cashing a check	CT 06896	Phone	Older American, Servicemember

01/13/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CA 90806	Web

01/13/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 71108	Web

01/12/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 212XX	Web	Servicemember

01/12/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90275	Phone

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	MD 21401	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	TX 77014	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75087	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	TX 77449	Web

01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	TX 76137	Web

01/09/2024	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NJ 08817	Web

01/09/2024	Yes	Prepaid card Government benefit card	Unexpected or other fees	CA 95377	Web

01/08/2024	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	CT 06492	Web

01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76016	Web

01/07/2024	Yes	Prepaid card Government benefit card	Problem getting a card or closing an account Don't want a card provided by your employer or the government	CA 90504	Web

01/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	MA 01757	Web

01/03/2024	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	WI 53545	Web

01/03/2024	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	TX 75156	Web

01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32514	Web

01/02/2024	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	SC 29526	Web

01/01/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30344	Web

01/01/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78628	Web

01/01/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78628	Web

12/31/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 212XX	Web	Servicemember

12/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KS 67230	Web

12/28/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	GA 31560	Phone

12/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	OH 45069	Web

12/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33569	Web

12/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76063	Web	Servicemember

12/16/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PA 18201	Web

12/14/2023	Yes	Prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	NJ 08020	Web

12/12/2023	Yes	Prepaid card Payroll card	Trouble using the card Trouble getting information about the card	CA 95304	Web

12/11/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 24084	Web	Older American, Servicemember

12/10/2023	Yes	Prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting a working replacement card	CA 95035	Web	Older American

12/06/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	AK 99515	Web

11/28/2023	Yes	Prepaid card General-purpose prepaid card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	OR 97204	Web

11/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19001	Web

11/21/2023	Yes	Money transfer, virtual currency, or money service Check cashing service	Unexpected or other fees	NY 11205	Web

11/20/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	NY 10954	Web

11/14/2023	Yes	Prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	CA 91765	Web

11/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19013	Web

11/12/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19135	Web

11/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 02645	Web

11/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19126	Web

11/09/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	GA 31560	Phone

11/08/2023	Yes	Prepaid card Government benefit card	Trouble using the card Problem with direct deposit	MI 48228	Referral

11/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AL 35216	Web	Older American, Servicemember

10/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76002	Web

10/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19013	Web

10/28/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	LA 70809	Web	Servicemember

10/27/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	TX 77077	Web

10/25/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19135	Web

10/23/2023	Yes	Prepaid card General-purpose prepaid card	Trouble using the card Trouble using the card to spend money in a store or online	NY 10463	Web	Servicemember

10/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19013	Web

10/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76002	Web

10/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90813	Web

10/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76063	Web

10/10/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	NJ 08618	Web

10/10/2023	Yes	Prepaid card Government benefit card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	CA 90019	Phone

10/05/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 78634	Phone	Older American

10/04/2023	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	NC 27837	Web

10/02/2023	Yes	Prepaid card Government benefit card	Unexpected or other fees	WA 98107	Web

09/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77354	Web

09/28/2023	Yes	Prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	NV 89101	Phone

09/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60631	Web

09/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	VA 22032	Web

09/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	VA 22032	Web

09/23/2023	Yes	Prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	CA 94551	Web

09/23/2023	Yes	Prepaid card Government benefit card	Trouble using the card Trouble getting information about the card	CA 91426	Web

09/22/2023	Yes	Prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	AZ 85283	Phone	Older American, Servicemember

09/20/2023	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	IL 60060	Web

09/19/2023	Yes	Prepaid card Government benefit card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	CA 92508	Web

09/19/2023	Yes	Credit 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	CO 81324	Web	Older American

09/19/2023	Yes	Checking or savings account Checking account	Managing an account Cashing a check	TX 77514	Phone

09/18/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	MI 49093	Web

09/15/2023	Yes	Prepaid card Government benefit card	Trouble using the card Trouble getting information about the card	CA 95835	Phone	Older American

09/15/2023	Yes	Prepaid card Government benefit card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	CA 91755	Web

09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48195	Web

09/11/2023	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	TX 75065	Web

09/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27985	Web

09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94531	Web

09/05/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78606	Phone

09/01/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	SC 29341	Phone

08/29/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Can't stop withdrawals from your account	WA 98506	Phone

08/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MS 39158	Web

08/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AL 35906	Web

08/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MI 48507	Web

08/25/2023	Yes	Prepaid card Government benefit card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	CA 91754	Phone

08/24/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Managing, opening, or closing your mobile wallet account	CA 91356	Web

08/24/2023	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	CA 90503	Web

08/24/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unexpected or other fees	CA 91706	Web	Servicemember

08/23/2023	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	CA 90650	Web

08/23/2023	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	TX 76006	Web

08/18/2023	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 90805	Postal mail

08/18/2023	Yes	Prepaid card Government benefit card	Trouble using the card Problem with direct deposit	NJ 08046	Referral

08/15/2023	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	NJ 08701	Phone

08/12/2023	Yes	Money transfer, virtual currency, or money service Check cashing service	Fraud or scam	IL 60641	Web	Older American, Servicemember

08/11/2023	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	NV 89449	Web

08/09/2023	Yes	Checking or savings account Other banking product or service	Managing an account Problem using a debit or ATM card	CA 91352	Phone

08/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30096	Web

08/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 18103	Web

08/04/2023	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	FL 33825	Web

07/30/2023	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble using the card to spend money in a store or online	CA 90034	Web	Older American

07/28/2023	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	WA 98942	Web

07/27/2023	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	CA 91326	Web

07/24/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	KY 41005	Web

07/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Billing dispute for services	CA 95831	Phone

07/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43085	Web

07/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IA 51442	Phone	Older American

07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	OR 97005	Phone

06/30/2023	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Overcharged for a purchase or transfer you did make with the card	NJ 07424	Phone

06/29/2023	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	KY 40031	Phone

06/29/2023	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	HI 96817	Web

06/28/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	WA 98405	Web	Older American, Servicemember

06/26/2023	Yes	Credit card or prepaid card General-purpose prepaid card	Trouble using the card Problem with direct deposit	VA 22304	Phone

06/21/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	NC 28445	Phone	Servicemember

06/19/2023	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	Servicemember

06/19/2023	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 95008	Web

06/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76063	Web

06/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90017	Web

06/14/2023	Yes	Checking or savings account Checking account	Managing an account Banking errors	CA 91352	Web

06/02/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CA 95023	Phone

06/02/2023	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	NY 10457	Phone

06/02/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with balance transfer	NJ 07621	Web

06/01/2023	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	CA 92374	Phone

05/31/2023	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	CA 93304	Web

05/31/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48116	Web

05/31/2023	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	CA 96007	Phone

05/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20744	Web

05/25/2023	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	CT 06043	Web

05/25/2023	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	NJ 07029	Web

05/23/2023	Yes	Checking or savings account Other banking product or service	Managing an account Cashing a check	CO 80239	Phone	Older American, Servicemember

05/23/2023	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	MN 55426	Web

05/19/2023	Yes	Money transfer, virtual currency, or money service Refund anticipation check	Problem with customer service	CA 93402	Phone

05/18/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OH 43302	Phone

05/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	AZ 85745	Phone

05/18/2023	Yes	Money transfer, virtual currency, or money service Refund anticipation check	Confusing or missing disclosures	GA 30349	Web

05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89169	Web

05/14/2023	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	AZ 85033	Web

05/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11788	Phone	Older American

05/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38127	Web

05/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48184	Web

05/09/2023	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	MO 63146	Web	Older American

05/08/2023	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	TN 38128	Web

05/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91606	Phone

05/01/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	CA 91367	Phone	Older American

04/28/2023	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble closing card	CA 94112	Web

04/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 16143	Phone	Older American

04/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75428	Referral

04/15/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Unexpected or other fees	WA 98108	Web

04/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33782	Web

04/10/2023	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	MD 21224	Referral

04/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CO 81626	Web

04/04/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	NY 11797	Web

03/31/2023	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 Investigation took more than 30 days	NC 27006	Web

03/30/2023	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	CA 90031	Web

03/30/2023	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	TN 37950	Web

03/29/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NJ 08048	Phone

03/28/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NY 10301	Web

03/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 36527	Web	Older American, Servicemember

03/25/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	TX 75901	Web

03/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 38127	Web

03/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31329	Web

03/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21202	Web

03/13/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 20109	Web

03/13/2023	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	WI 53209	Web

03/10/2023	Yes	Money transfer, virtual currency, or money service Check cashing service	Fraud or scam	LA 70503	Web	Servicemember

03/10/2023	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 89147	Web

03/09/2023	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	NC 27012	Referral

03/09/2023	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	GA 30341	Phone

03/08/2023	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Overcharged for a purchase or transfer you did make with the card	CA 91304	Web

03/07/2023	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	CO 80239	Phone	Older American, Servicemember

03/06/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	SC 29464	Web

03/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 15235	Web

02/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30035	Web

02/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21222	Web

02/23/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	CA 91324	Web

02/19/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92411	Web

02/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OR 97013	Web

02/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IN 46268	Web

02/02/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	PA 19114	Web

02/02/2023	Yes	Credit card or prepaid card Payroll card	Trouble using the card Problem using the card to withdraw money from an ATM	NJ 08846	Web

02/01/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	FL 33309	Web	Servicemember

02/01/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA 92530	Phone

01/31/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	IA 50317	Referral

01/27/2023	Yes	Checking or savings account Checking account	Managing an account Cashing a check	IN 47905	Phone	Older American, Servicemember

01/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	MN 55104	Web	Servicemember

01/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75025	Web

01/21/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 18929	Web

01/18/2023	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble closing card	CA 90210	Web

01/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 63461	Web	Older American

01/15/2023	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	CA 90403	Web

01/12/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 93445	Referral

01/09/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 92105	Web

01/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37214	Web

01/07/2023	Yes	Checking or savings account Checking account	Closing an account Company closed your account	FL 32304	Web

01/04/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	UT 84096	Postal mail

01/03/2023	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	NC 28425	Postal mail

12/29/2022	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 33023	Web	Servicemember

12/27/2022	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 20735	Web

12/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46268	Web

12/19/2022	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	CA 93035	Web	Servicemember

12/15/2022	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	CA 92543	Web

12/15/2022	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	CA 94618	Phone	Older American

12/14/2022	Yes	Checking or savings account Checking account	Closing an account Company closed your account	MA 02053	Web

12/13/2022	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	NE 68516	Web

12/09/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	NY 14618	Web	Older American

12/08/2022	Yes	Money transfer, virtual currency, or money service Refund anticipation check	Lost or stolen check	CA 93030	Web

12/07/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	DC 20032	Web

12/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	NY 14618	Web	Older American

12/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32205	Web

12/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32205	Web

12/01/2022	Yes	Money transfer, virtual currency, or money service Money order	Fraud or scam	MI 48109	Web

12/01/2022	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	CA 93725	Web

11/29/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	WI 53120	Web

11/23/2022	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	MO 65301	Phone

11/22/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	MI 48043	Phone

11/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MO 64133	Web

11/16/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NH 03104	Phone

11/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38127	Phone

11/15/2022	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	MT 59802	Web

11/14/2022	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	MD 20814	Web

11/11/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Money was taken from your account on the wrong day or for the wrong amount	VA 22030	Web

11/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43202	Web

11/01/2022	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	NY 14051	Web

10/28/2022	Yes	Checking or savings account Other banking product or service	Managing an account Fee problem	TX 75002	Web

10/27/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MD 20854	Web

10/25/2022	Yes	Money transfer, virtual currency, or money service Check cashing service	Confusing or misleading advertising or marketing	MD 20785	Web

10/25/2022	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 33334	Web

10/25/2022	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	NV 89141	Phone

10/22/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	MI 49058	Web

10/21/2022	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	TX 77381	Phone

10/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 28092	Web

10/18/2022	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 32256	Web	Servicemember

10/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	WA 98065	Web

10/06/2022	Yes	Money transfer, virtual currency, or money service Virtual currency	Unexpected or other fees	CA 93644	Phone	Older American, Servicemember

10/05/2022	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	WA 98310	Phone

10/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 902XX	Web

09/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IA 50315	Web

09/22/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	VA 22308	Postal mail

09/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30052	Web

09/10/2022	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	TX 78249	Web

09/09/2022	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	PA 15501	Web Referral

09/09/2022	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	FL 33139	Web

09/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07203	Web

09/01/2022	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	MD 20774	Phone

08/31/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WV 25526	Web

08/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 12550	Web	Servicemember

08/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 12550	Web	Servicemember

08/27/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 94618	Web

08/23/2022	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	MI 49707	Web

08/17/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL 33311	Web

08/15/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	NJ 07446	Phone	Older American

08/14/2022	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	SC 29209	Web

08/10/2022	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	AZ 85546	Postal mail

08/10/2022	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	NY 14580	Web

08/08/2022	Yes	Money transfer, virtual currency, or money service Virtual currency	Money was not available when promised	IL 60409	Phone

08/08/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33311	Web

07/30/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	MT 59101	Web

07/25/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	NY 13057	Referral

07/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76018	Web	Servicemember

07/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60035	Referral

07/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MN 56143	Phone	Older American

07/11/2022	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	PA 16127	Phone	Older American, Servicemember

07/07/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	PA 19140	Phone

07/06/2022	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	SC 29845	Phone

07/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 49058	Web

07/02/2022	Yes	Credit card or prepaid card Payroll card	Trouble using the card Problem with direct deposit	TN 37066	Web

06/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31216	Web

06/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90043	Web

06/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34223	Web	Older American

06/26/2022	Yes	Money transfer, virtual currency, or money service Virtual currency	Other service problem	FL 32210	Web

06/22/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA 93619	Web

06/15/2022	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	NJ 07604	Phone

06/13/2022	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	AZ 85323	Phone

06/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92701	Web

06/08/2022	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble getting information about the card	MO 64804	Web

06/02/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	FL 33498	Phone	Older American

05/26/2022	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	OR 97215	Referral

05/21/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98058	Web

05/20/2022	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble closing card	TX 78757	Web

05/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	VA 20112	Web

05/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NJ 08051	Web

05/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OK 74344	Phone	Older American

05/13/2022	Yes	Checking or savings account Checking account	Managing an account Cashing a check	WI 53214	Phone	Older American, Servicemember

05/12/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	TX 78230	Phone

05/12/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX 77450	Referral

05/09/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MI 49015	Phone

05/06/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 08724	Web

05/05/2022	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	KS 67208	Referral

05/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46526	Web	Older American

04/27/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	WA 99362	Web	Servicemember

04/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93428	Phone	Older American

04/25/2022	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 92028	Web

04/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11233	Web

04/19/2022	Yes	Checking or savings account Checking account	Closing an account Can't close your account	NY 10005	Referral

04/18/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	UT 84404	Web

04/17/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	CA 95776	Web

04/14/2022	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	TX 76132	Phone	Older American, Servicemember

04/14/2022	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	IL 60443	Web

04/12/2022	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble closing card	IL 62265	Referral

04/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19138	Web

04/05/2022	Yes	Money transfer, virtual currency, or money service Virtual currency	Money was not available when promised	FL 33612	Phone	Older American, Servicemember

04/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91325	Web

04/01/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92708	Web

04/01/2022	Yes	Checking or savings account Checking account	Managing an account Fee problem	CA 90247	Referral

03/31/2022	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	MO 64601	Web

03/31/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11731	Web

03/31/2022	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	CA 92054	Referral

03/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94080	Web

03/30/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 18702	Web

03/29/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 91913	Web	Older American, Servicemember

03/26/2022	Yes	Checking or savings account Checking account	Managing an account Fee problem	SC 29204	Web

03/22/2022	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	OH 43060	Phone	Older American

03/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OK 73072	Web

03/18/2022	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	TN 37830	Web	Older American

03/16/2022	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	OH 45122	Web	Servicemember

03/15/2022	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	NJ 07940	Web

03/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11596	Web

03/14/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IA 50501	Web	Servicemember

03/09/2022	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	MA 01108	Phone

03/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29420	Web	Older American, Servicemember

03/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	NJ 07013	Web

03/07/2022	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	SD 57501	Web

03/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75025	Web

02/28/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Wrong amount charged or received	OH 45324	Web	Older American, Servicemember

02/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 78250	Referral

02/15/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 98221	Web

02/14/2022	Yes	Money transfer, virtual currency, or money service Refund anticipation check	Lost or stolen check	MA 02048	Web

02/14/2022	Yes	Checking or savings account Other banking product or service	Managing an account Cashing a check	AR 72451	Phone	Older American

02/09/2022	Yes	Money transfer, virtual currency, or money service Refund anticipation check	Confusing or missing disclosures	MA 02048	Phone	Older American

02/07/2022	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	SC 29370	Postal mail

02/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53223	Web

02/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 46033	Web

01/30/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	NY 100XX	Web

01/17/2022	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	MA 02048	Postal mail

01/14/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NY 10002	Phone

01/06/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 16335	Web	Older American

01/05/2022	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	NJ 08046	Web	Servicemember

12/28/2021	Yes	Credit card or prepaid card Store credit card	Other features, terms, or problems Other problem	NY 13224	Web

12/16/2021	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	CA 92069	Phone

12/10/2021	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	IN 46268	Web

12/10/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	CA 96002	Web

12/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	PA 18103	Web

12/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93117	Web	Older American, Servicemember

11/24/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	TX 76712	Phone	Older American

11/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Didn't receive services that were advertised	WA 98119	Web

11/18/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	TX 76712	Phone

11/16/2021	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	OH 43963	Web

11/10/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	MA 02130	Phone	Older American

11/09/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	NV 89301	Postal mail

11/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33156	Web	Older American

11/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 16832	Web

10/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MA 01108	Web

10/25/2021	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	FL 33967	Phone

10/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OR 97741	Web

10/17/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble closing card	AK 99706	Web

10/14/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	MN 55113	Web

10/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76012	Web

10/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76012	Web

09/30/2021	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 Problem with personal statement of dispute	TX 75229	Web

09/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10037	Web

09/27/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	CA 91702	Web

09/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98082	Web

09/23/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	CA 91741	Web

09/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 76016	Web

09/17/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	OK 73115	Web

09/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 95404	Web

09/10/2021	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	TX 76063	Web

09/10/2021	Yes	Credit card or prepaid card Store credit card	Other features, terms, or problems Problem with customer service	IN 46221	Web

09/08/2021	Yes	Credit card or prepaid card Payroll card	Advertising Confusing or misleading advertising about the card	AZ 85262	Web

09/04/2021	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	TX 76179	Web

08/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	OH 44105	Web

08/12/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	MO 64093	Phone

08/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MN 55123	Web

08/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30909	Web

07/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	WA 99337	Web

07/28/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 48044	Phone	Older American

07/17/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07002	Web

07/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32583	Web

07/09/2021	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 94806	Phone

07/08/2021	Yes	Credit card or prepaid card Payroll card	Trouble using the card Problem using the card to withdraw money from an ATM	NJ 08037	Web

07/08/2021	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors		Referral

07/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76134	Web

07/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect		Referral

07/06/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	KY 426XX	Web

07/03/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Don't want a card provided by your employer or the government	CA 92014	Web	Older American

07/02/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	TX 77388	Phone

07/02/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting a working replacement card	CA 92337	Phone

07/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MD 20735	Web

07/01/2021	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	OH 44133	Phone

06/29/2021	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble getting a working replacement card	WA 98188	Postal mail

06/24/2021	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	CA 95356	Phone

06/15/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	CA 92337	Phone

06/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76063	Web

06/11/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Overcharged for something you did purchase with the card	FL 33437	Phone	Older American, Servicemember

06/08/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	RI 02816	Web	Older American

06/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NJ 07304	Web

06/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 31046	Web

06/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 33444	Web

06/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 75204	Web

06/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 92833	Web

06/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 92562	Web

06/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 92596	Web

06/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 92591	Web

06/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MS 39209	Referral

06/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 92591	Web

05/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MD 20850	Web

05/28/2021	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	CA 94518	Web

05/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 32256	Web

05/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 92869	Web

05/26/2021	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble getting information about the card	NY 13214	Phone	Older American

05/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 77096	Web

05/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 77423	Web

05/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 94928	Web

05/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NY 11207	Web

05/25/2021	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	OR 97124	Referral

05/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 33980	Web

05/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 91302	Web

05/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	UT 84059	Web

05/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	WA 98087	Web

05/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 77568	Web

05/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 92782	Web

05/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 77489	Web

05/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 77068	Web

05/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 21901	Web

05/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NY 11423	Web

05/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 93535	Web

05/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MI 48377	Web

05/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 92592	Web

05/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76134	Web

05/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NJ 07660	Web

05/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30291	Web

05/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 44146	Web

05/19/2021	Yes	Checking or savings account Checking account	Problem caused by your funds being low Bounced checks or returned payments	GA 31088	Web	Older American, Servicemember

05/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NY 10453	Web

05/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	WA 98034	Web

05/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 45204	Web

05/17/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble closing card	CA 92692	Web

05/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 33021	Web

05/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MI 48228	Web

05/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 92882	Web

05/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 92563	Web

05/13/2021	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	FL 33180	Web

05/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	AZ 85034	Web

05/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	AZ 85138	Web

05/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TN 37128	Web

05/11/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	CA 90631	Web

05/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MA 01810	Web

05/09/2021	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	CA 92833	Web

05/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30518	Web

05/03/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	MI 48227	Phone

05/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 44306	Web

04/30/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble closing card	CA 92692	Web

04/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	SC 29153	Web

04/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TN 37210	Web

04/25/2021	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	GA 30307	Web

04/23/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam		Phone	Older American, Servicemember

04/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30157	Web

04/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 31419	Web

04/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 32811	Web

04/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30655	Web

04/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 33321	Web

04/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 77041	Web

04/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NH 03743	Web

04/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	IL 60618	Web

04/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MD 21205	Web

04/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 73320	Web

04/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 77096	Web

04/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 33155	Web

04/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30046	Web

04/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	LA 71222	Web

04/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30294	Web

04/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30058	Web

04/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30189	Web

04/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NY 11433	Web

04/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 92563	Web

04/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MD 20850	Web

04/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30236	Web

04/15/2021	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	CA 92240	Web

04/13/2021	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	NY 11216	Phone

04/12/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	VA 22153	Web	Servicemember

04/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44306	Web

04/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30046	Web

04/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30666	Web

04/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30350	Web

04/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30350	Web

04/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	GA 30168	Web

04/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20852	Web

04/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NJ 07305	Web

04/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 33441	Web

04/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NY 10466	Web

04/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	VA 23234	Web

04/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NY 11213	Web

04/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 33065	Web

04/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	FL 33060	Web

04/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	GA 30122	Web

04/06/2021	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 90292	Web

04/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 34474	Web

04/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 77493	Web

04/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NV 89135	Web

04/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MD 21061	Web

04/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 33966	Web

04/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 32818	Web

04/03/2021	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Money was taken from your account on the wrong day or for the wrong amount	CO 80220	Web

04/02/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	OR 97123	Phone

04/02/2021	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble getting information about the card	CA 90292	Web

04/02/2021	Yes	Money transfer, virtual currency, or money service Check cashing service	Confusing or missing disclosures	GA 30019	Phone	Older American

04/01/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	MO 63052	Phone

03/30/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33156	Web	Servicemember

03/26/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Don't want a card provided by your employer or the government	CA 94602	Web

03/25/2021	Yes	Checking or savings account Checking account	Managing an account Cashing a check	OR 97302	Phone	Older American, Servicemember

03/25/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	FL 34286	Phone	Older American

03/24/2021	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	CA 90202	Web

03/17/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MA 011XX	Web

03/17/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other service problem	CA 92075	Web

03/17/2021	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	FL 33441	Web

03/15/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	NH 03860	Phone	Older American, Servicemember

03/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	GA 30022	Web

03/11/2021	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	CA 93635	Web

03/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95112	Web

03/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91342	Web

03/10/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	CA 90402	Web

03/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93722	Web

03/09/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	FL 34286	Phone	Older American

03/09/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting a working replacement card		Phone	Servicemember

03/08/2021	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	MD 21044	Web

03/07/2021	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	IL 62273	Web

03/01/2021	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Don't want a card provided by your employer or the government	NC 27587	Phone

02/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	WA 98292	Web

02/26/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	WI 53110	Phone	Older American

02/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90712	Phone	Servicemember

02/22/2021	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	FL 33176	Phone

02/22/2021	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	CA 92201	Phone	Older American, Servicemember

02/20/2021	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 89169	Web

02/19/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	CA 91748	Web

02/19/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	CO 80203	Web

02/18/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	WI 53110	Phone	Older American

02/16/2021	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	CA 92201	Phone	Older American, Servicemember

02/14/2021	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	CO 80538	Web	Servicemember

02/10/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card		Phone

02/09/2021	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble closing card	MT 59602	Web	Servicemember

02/08/2021	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	AZ 85375	Web	Older American

02/05/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	IN 46310	Phone	Older American

02/05/2021	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer		Phone	Older American, Servicemember

02/05/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	OR 97526	Referral

02/03/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	CA 92115	Phone	Older American

01/29/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting a working replacement card	FL 32804	Phone	Older American, Servicemember

01/29/2021	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Problem using the card to withdraw money from an ATM	OR 97846	Referral

01/27/2021	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble getting information about the card	CA 91306	Phone	Older American

01/26/2021	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	WI 53218	Web

01/26/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Don't want a card provided by your employer or the government	OR 97070	Referral

01/26/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Don't want a card provided by your employer or the government	OR 97401	Referral

01/25/2021	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 Was not notified of investigation status or results	FL 33330	Web

01/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98208	Web

01/24/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 33056	Web	Servicemember

01/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33181	Web

01/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78261	Web

01/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 47302	Postal mail

01/22/2021	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		Phone

01/22/2021	Yes	Credit card or prepaid card Government benefit card	Advertising Confusing or misleading advertising about the card	WA 98391	Web	Older American

01/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78131	Web

01/15/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	CO 80216	Phone

01/12/2021	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	ID 83402	Web	Older American

01/07/2021	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	AR 72396	Phone

01/06/2021	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	OH 44143	Phone

01/05/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Don't want a card provided by your employer or the government	IA 50156	Web

01/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 61108	Phone	Older American

12/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76063	Web

12/30/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11234	Web	Older American

12/29/2020	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	CA 91766	Web

12/29/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30058	Web

12/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98208	Web

12/23/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting a working replacement card	VA 22801	Web	Servicemember

12/17/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 78131	Web

12/16/2020	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble getting information about the card	MA 02346	Web	Servicemember

12/14/2020	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble using the card to spend money in a store or online	NV 89429	Web

12/12/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95503	Web

12/10/2020	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Problem using the card to withdraw money from an ATM	VA 22032	Phone	Older American, Servicemember

12/09/2020	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble using the card to spend money in a store or online	NH 03060	Phone

12/07/2020	Yes	Credit card or prepaid card Payroll card	Trouble using the card Problem using the card to withdraw money from an ATM		Phone

12/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	MO 65668	Web

12/07/2020	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service		Phone	Older American

12/06/2020	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	IL 60631	Web

12/04/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	MA 01013	Web

12/01/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	HI 96815	Referral

11/29/2020	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	CA 92024	Web	Servicemember

11/24/2020	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	CA 91766	Web

11/20/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	TX 77018	Postal mail

11/19/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75035	Web

11/17/2020	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	WA 99206	Web

11/16/2020	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Can't stop withdrawals from your account	NY 14094	Web

11/16/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	NY 11010	Phone

11/12/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	CO 80908	Phone	Older American

11/11/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33313	Web

11/10/2020	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Unexpected or other fees	AZ 85022	Web

11/06/2020	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	OH 44425	Web

10/29/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	GA 31906	Web

10/27/2020	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	MA 02481	Web

10/20/2020	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	FL 33334	Web

10/15/2020	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	MI 48655	Postal mail

10/14/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	WA 98258	Phone

10/14/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	CA 94904	Phone

10/07/2020	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	NJ 07974	Phone

10/06/2020	Yes	Money transfer, virtual currency, or money service Virtual currency	Fraud or scam	LA 70058	Phone	Older American

09/28/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 18417	Phone	Older American, Servicemember

09/27/2020	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	CA 91766	Web

09/27/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60657	Web

09/24/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	NJ 07108	Phone

09/24/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	TX 76016	Phone	Older American

09/22/2020	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other service problem	PA 17356	Web

09/21/2020	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	CA 92024	Web

09/21/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card		Phone

09/17/2020	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	NY 11228	Phone	Older American

09/16/2020	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	UT 84601	Web

09/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

09/14/2020	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble getting a working replacement card	OH 43220	Phone

09/11/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	MA 01852	Phone

09/10/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	NY 10928	Phone

09/04/2020	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Overcharged for a purchase or transfer you did make with the card	MS 39402	Phone	Older American, Servicemember

09/03/2020	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	OR 97236	Phone	Servicemember

09/03/2020	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	IA 52241	Phone

09/03/2020	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees		Phone	Servicemember

09/02/2020	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble using the card to pay a bill		Phone	Older American

08/26/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 11570	Postal mail	Older American

08/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33334	Web

08/19/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	TX 75068	Phone

08/14/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	VA 24592	Web

08/12/2020	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	IN 46787	Referral

08/10/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	NY 14227	Web

08/10/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MS 39047	Phone	Older American

08/07/2020	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	MA 02072	Web

08/03/2020	Yes	Checking or savings account Checking account	Managing an account Cashing a check	ID 83704	Phone	Older American

08/02/2020	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	OH 43228	Web

07/31/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals		Phone	Older American

07/31/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	MA 02152	Phone	Older American

07/30/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	MA 01864	Phone	Older American

07/30/2020	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed		Phone	Older American

07/29/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card		Phone	Older American

07/28/2020	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	CA 90042	Web

07/28/2020	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble getting information about the card	NY 13090	Web

07/24/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	TX 78629	Phone

07/24/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card		Phone	Older American, Servicemember

07/23/2020	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Don't want a card provided by your employer or the government	NH 03431	Phone	Older American

07/22/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting a working replacement card	NY 14228	Phone	Older American, Servicemember

07/22/2020	Yes	Checking or savings account Other banking product or service	Closing an account Company closed your account	CA 95157	Referral

07/20/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	CO 80439	Phone

07/20/2020	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble getting information about the card	NY 11566	Web

07/20/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card		Phone	Older American

07/19/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	MD 21740	Web

07/15/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting a working replacement card	AZ 85937	Phone	Older American, Servicemember

07/15/2020	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Problem using the card to withdraw money from an ATM	NJ 07607	Web

07/14/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card		Phone

07/14/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	MA 02723	Phone

07/13/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting a working replacement card	VA 25404	Phone	Older American

07/11/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting a working replacement card	OH 43608	Web

07/10/2020	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	CA 92130	Web

07/06/2020	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble getting information about the card		Phone

07/06/2020	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	NJ 07974	Web

07/01/2020	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	FL 32536	Web	Servicemember

07/01/2020	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Transaction was not authorized	PA 17356	Web

06/30/2020	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble getting information about the card		Phone	Older American, Servicemember

06/30/2020	Yes	Checking or savings account Checking account	Managing an account Banking errors	FL 34744	Phone

06/30/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	TX 78374	Phone	Servicemember

06/29/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card		Phone

06/29/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	IA 50158	Phone	Older American

06/26/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	CA 90638	Phone

06/25/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting a working replacement card	NJ 07843	Phone

06/24/2020	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble closing card	FL 32825	Web

06/24/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting a working replacement card		Phone

06/24/2020	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble getting information about the card	NY 14208	Phone	Older American

06/23/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	TX 75702	Phone

06/23/2020	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	MI 48307	Phone	Older American

06/21/2020	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	NY 10025	Web

06/18/2020	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble getting information about the card		Phone	Older American

06/18/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Don't want a card provided by your employer or the government	TX 75169	Web	Servicemember

06/17/2020	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble using the card to spend money in a store or online	CO 80241	Web

06/17/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	IA 52806	Phone	Older American

06/16/2020	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble using the card to spend money in a store or online	DE 19966	Web

06/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28079	Web

06/15/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	MN 55416	Phone	Older American

06/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	TX 78633	Web	Servicemember

06/09/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting a working replacement card	AL 35645	Web

06/09/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting a working replacement card		Phone	Older American

06/08/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92882	Web

06/08/2020	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble getting a working replacement card	AL 35127	Phone	Older American, Servicemember

06/06/2020	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble getting information about the card	NM 87112	Web

06/05/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble closing card	NH 03894	Web

06/04/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	MD 20906	Phone

06/03/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting a working replacement card	CO 80015	Web

06/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21215	Web

06/03/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Don't want a card provided by your employer or the government	CO 80128	Web

06/02/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting a working replacement card	FL 32162	Web

06/02/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	MI 48239	Phone

06/02/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting a working replacement card		Phone	Older American

06/01/2020	Yes	Credit card or prepaid card General-purpose prepaid card	Trouble using the card Trouble getting information about the card	MD 21230	Phone	Older American

06/01/2020	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	IA 52656	Phone

06/01/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card		Phone

06/01/2020	Yes	Credit card or prepaid card General-purpose prepaid card	Trouble using the card Trouble getting information about the card	NY 10010	Web

05/29/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card		Phone

05/29/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting a working replacement card	AR 72858	Phone

05/29/2020	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer		Phone	Older American, Servicemember

05/28/2020	Yes	Credit card or prepaid card General-purpose prepaid card	Trouble using the card Trouble getting information about the card	CA 94105	Web

05/28/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting a working replacement card	SD 57070	Phone

05/27/2020	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Don't want a card provided by your employer or the government	AR 72201	Web

05/22/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OH 45239	Referral

05/21/2020	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 77511	Phone

05/21/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	TX 78055	Phone	Older American, Servicemember

05/21/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 18103	Web

05/20/2020	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Transaction was not authorized	PA 19079	Referral

05/18/2020	Yes	Checking or savings account Other banking product or service	Opening an account Account opened as a result of fraud	FL 32162	Postal mail

05/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85711	Phone

05/05/2020	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

05/05/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OK 74063	Web

04/24/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	NY 10523	Web

04/22/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KY 40769	Web

04/20/2020	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	MT 59901	Web

04/08/2020	Yes	Checking or savings account Other banking product or service	Managing an account Fee problem	TN 38017	Web

04/08/2020	Yes	Checking or savings account Other banking product or service	Managing an account Cashing a check	FL 32424	Postal mail	Older American

04/06/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 91710	Web

04/02/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MA 01879	Web

04/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77024	Web

04/01/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TN 38104	Web	Older American

04/01/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MD 20613	Postal mail

04/01/2020	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	TX 78155	Postal mail

03/31/2020	Yes	Credit card or prepaid card Store credit card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card		Postal mail

03/28/2020	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble getting a working replacement card	NY 10021	Web

03/24/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	GA 31768	Phone	Older American

03/17/2020	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

03/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23455	Web

03/03/2020	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	NJ 07112	Web

02/19/2020	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		Phone