Consumer complaint received 2022-12-31
Company: FISERV INC.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
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.

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