Consumer complaint received 2019-08-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I wanted to switch banks at the beginning of XX/XX/XXXX, I requested an account at XXXX XXXX XXXX  of XXXX, Oregon, they took my application but declined to open an account because they said XXXX  declined me. They cited credit score as a reason. I showed them my credit score using my telephone ( I have credit monitoring with my XXXX XXXX credit card ) the XXXX XXXX score was XXXX. I had been with XXXX XXXX XXXX XXXX from XXXX till XXXX when I switched to XXXX XXXX  where I have banked since then, I left a clean closed account, and I have had a spotless record with XXXX XXXX as well. There is absolutely no reason to turn me down for a checking account. My bills are all paid, I have never even had a late payment, I can count on less than one hand the NSF fees I have had in the last 10 years. 

I then went to check with my former banking institution ( XXXX ) to see if they had been reporting some kind of problem I did not know about, they were not, and they also attempted to open an account for me, again XXXX declined, but the agent helping me said they saw no reason I should be turned down, there was nothing that would constitute a reason in my record for a decline. She overrode XXXX XXXX decline and opened an account for me. 

I still wanted to get to the bottom of why I was being denied banking services so I demanded a copy of my XXXX  record and while they have my address listed essentially correctly they say I have been there only 2 months and they have the address listed 6 times with only very minor variations, such as the ZIP+4 then again the ZIP without the +4, once it says XXXX XXXX and the next line it says XXXX XXXX, all of them would not result in mail being returned. They also have my prior address right once and wrong once, on one line they leave off the apartment number. The street address otherwise is good. Other than that there is nothing notable about the report. 

They also have my name as XXXX XXXX ; XXXX XXXX XXXX ; and XXXX XXXX XXXX, all technically correct and no reason to decline to open an account. I can not help the way people report my information, but anyone can see the name matches the rest of the information. 

Information from XXXX XXXX XXXX XXXXs section is wrong though ; Time in current address = 2 months, that is wrong, I have been here 6 months,  number of address changes reported in the last 12 months = 2, that also is wrong, I moved once from XXXX XXXX to Oregon. those are the only things that could possibly factor into this, wealth index 3 completely average, total number of NON DEROGATORY records 5. 

Part of the problem here is that they simply hide behind you and the law not to tell us why we are being turned down. I take home XXXX dollars of tax exempt pay per month from the US Treasury ( VA XXXX and social security XXXX ). I have no debt other than my auto loan, and one small credit card. I do not have and can not be billed for medical care as a XXXX XXXX   XXXX vet, those expenses are covered in full. If ever there was the opposite of a bad risk for mishandling a checking account it is I. 

I want to know why they denied me banking, and to be far more diligent on monitoring the records of those declined for accounts, clearly this is some sort of automated computer risk assessment gone bad, the computers there saw one comma missing from a reported address and listed it as a new address. Apparently. Applications rejected should be required to be reviews by a human being.

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