Consumer complaint received 2018-07-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I own a small business and had an account with XXXX XXXX for about a year. in XX/XX/XXXX I received a certified letter from " XXXX XXXX XXXX '' from XXXX that on XX/XX/XXXX that my account will be closed and if I dont go in the bank and close it, he will. He did not provide any information as to why, and when I called them they said its their decision and they have decided to terminate our relationship. I own an XXXX company, and on a monthly basis we write about 250 checks to pay our vendors. They issued this letter to us right after we had mailed out our vendor checks. We did our best calling our vendors to tell them to cash their checks as soon as they can to avoid checks being returned. On XX/XX/XXXX, I went into my local branch " XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX and spoke with the manager XXXX XXXX   and closed my account. I made sure the account was at a XXXX   balance. Couple of months later I get a letter from ChexSystems about being reported to them for unpaid fees. I called ChexSystems and I was told that XXXX reported my business to them for some fees that had posted to my account after when it was closed. The total of the fees was {$520.00}. I researched this and found out that XXXX had tacked on overdraft fees from the time after when I closed my account per their request. I called XXXX to dispute this but they did not want to cooperate with me. By being reported to ChexSystems I no can not open any new accounts with any other banks. I have tried and they say my business needs to be removed before a new account can be opened. On XX/XX/XXXX I then called ChexSystems and just paid the {$520.00}. Although I do not beleive I should pay for it, I still did just to be done with this. So they issue now is that ChexSystems is telling me they can not remove my business from the ChexSystems file, and the removal request has to come from XXXX. So I then called XXXX  and told them I need to be removed from XXXX as I paid them their {$520.00}. After being transferred to many different people and departments, I got a hold of someone in " Corporate Quality Process Department '' XXXX and I was told that yes our account shows paid in full, however they will not remove me from ChexSystems. I am writing because I need help from being a victim of bad practice by XXXX XXXX  and ChexSystems. Not only I paid the {$520.00} for which I dont believe I should have, Now my business is reported to ChexSystems which is a negative mark and not allowing us to work with any other banks. My company has been in business since XX/XX/XXXX and we have never had any issues. I need help in getting my business removed from ChexSystems, and also I would like a refund for my {$520.00}. My business name is " XXXX XXXX XXXX  '' and my DBA is " XXXX XXXX '' Address is XXXX XXXX XXXX XXXX Ca XXXX. I am the owner of the business and my name is XXXX XXXX and my phone number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation