Consumer complaint received 2017-06-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : Chex Systems Account # XXXX I Disputed the " WAY '' that Chex Systems Reported my " DESCRIPTION OF ACTIVITY '' Chex Systems Have Reported : XXXX XXXX : NSF ACTIVITY [ when I Never Ordered Checks ] This Should have Been Reported as " Overdraft/Bank Fees '' from XXXX XXXX Auto Debit Membership Dues, What is upsetting, when funds are NOT yet Avail, the Bank should ONLY Allow them to Attempt TWICE and NOT Multiple of times, [ stacking up their Bank Fees Against you ] when you have 'Other ' monthly responsibilities, it completely takes you OUT OF BUDGET. XXXX LET XXXX XXXX RETURN 4 TIMES, THAT 'S UNFAIR. Then they Stated " NSF '' When They where the ones that witness that funds was Not yet Avail. NSF was Inaccurate, Because this was Over draft Protection fees that was Late, and Gotten Other Bank Fees Stacked on TOP. They Are Making it LOOK Like I written Fraudulent Checks and I NEVER Ordered Checks from them I ONLY Use my Debit Card. [ this was the ONLY Negative Activity Ever Reported. <P/>XXXX XXXX XXXX : ABUSE [ when I Never Ordered Checks ] This Should have Been Reported as " Overdraft/Bank Fees '' Stating NSF was Inaccurate, Because this was through a Credit Card Payment that was Late with Over draft Protection that was Late, and Gotten Other Bank Fees Stacked on TOP. They Are Making it LOOK Like I written Fraudulent Checks and I NEVER Ordered Checks from them I ONLY Use my Debit Card. This was the ONLY Negative Activity Ever Reported by them. <P/>XXXX XXXX XXXX NSF ACTIVITY [ when I Never Ordered Checks ] This Should have Been Reported as " Overdraft/Bank Fees '' Stating NSF was Inaccurate, Because the was a Over draft Protection that was Late, and Gotten Other Bank Fees Stacked on TOP. They Are Making it LOOK Like I written Fraudulent Checks and I NEVER Ordered Checks from them I ONLY Use my Debit Card. <P/>XXXX XXXX NSF ACTIVITY [ when I Never Ordered Checks ] This Should have Been Reported as " Overdraft/Bank Fees '' From Unauthorized XXXX XXXX XXXX Auto Debits coming in Multiple of Times, When I DO NOT Have the Funds Avail, the Bank Should NOT Allow them to Return Over TWO Times trying to Collect the Funds, I Gotten Up Set and Pulled OUT the Bank, For Allowing them to Return Multiple of times when they can SEE there was NOT funds Avail Yet, but they CONTINUE to Raise their Bill Against You, and Call it NSF when YOU did NOT Authorize it. Chex System 's Reporting of " NSF '' was InAccurate, Because the was a Over draft Protection that was Late, and Gotten Other Bank Fees Stacked on TOP. They Are Making it LOOK Like I written Fraudulent Checks and I NEVER Ordered Checks from them I ONLY Use my Debit Card. This was the ONLY Negative Activity Ever Reported by them. <P/>XXXX XXXX THEY REPORTED OVERDRAFT FEES AND I PAID IT.- THAT IS TRUE. <P/>The Problem that I am Seeing Here with these Banks, is they are Making MONEY on you NOT as a Customer, But as a Future DEBTOR, Meaning, Even Though you are NOT Physically Writing Checks, they are Crediting a Negative interest to " DRAW FUNDS FROM THEIR 'FUTURE DEBTORS ' and Use the Extra Interest for their Accounts Receivables ... .or you will NEVER Open Another Account. '' So I Am Asking you to Please Make Changes here, if they Do NOT have a Physical Check that was Written with Copies FRONT and BACK than they Should Report it as Over Draft/Bank Fees, and NOT Destroy your Image as a Check Writing Schemer. <P/>I Simply would LEAVE these banks if I See this Type of Behavior, but I NEVER Thought that they would BE Deceptive, and Present it as NSF CHECK WRITING FRAUD. <P/>Please Assist.

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