|
4933041
|
2021-11-20
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Credit card debt
|
| Date Received |
2021-11-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-11-20
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3830264
|
2020-09-04
|
Problem with a purchase or transfer
|
Credit card or prepaid card
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Problem with a purchase or transfer
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Overcharged for a purchase or transfer you did make with the card
|
| Sub Product |
Government benefit card
|
| Date Received |
2020-09-04
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-09-04
|
| Consumer Consent Provided |
N/A
|
|
|
7465395
|
2023-08-27
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other debt
|
| Date Received |
2023-08-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-27
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6406627
|
2023-01-06
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2023-01-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-06
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4222088
|
2021-03-17
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Other debt
|
| Date Received |
2021-03-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-03-17
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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
|
| Consumer Consent Provided |
Consent provided
|
|
|
3788204
|
2020-08-10
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other debt
|
| Date Received |
2020-08-10
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-08-10
|
| Consumer Consent Provided |
N/A
|
|
|
4431783
|
2021-06-04
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2021-06-04
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-06-04
|
| Consumer Consent Provided |
N/A
|
|
|
5728886
|
2022-07-02
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Other debt
|
| Date Received |
2022-07-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-02
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
12067751
|
2025-02-12
|
Unexpected or other fees
|
Prepaid card
|
|
| Issue |
Unexpected or other fees
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Prepaid card
|
| Sub Product |
Payroll card
|
| Date Received |
2025-02-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-02-12
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Other
|
|
|
12823117
|
2025-04-05
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Old information reappears or never goes away
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-04-05
|
| Submitted Via |
Web
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-04-05
|
|
