Consumer complaint received 03-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Fidelity National Information Services, Inc. (FNIS) (ME).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Addendum to Case # XXXX ... .This is in regards to an account with a credit union. The direct deposit from the VA was not properly routed ( See attached ). Deposits had to be made in cash, at a local credit union branch. On XX/XX/XXXX, payments were processed via bill pay, before the deposits posted. Some payments cleared, while others were returned, some payments were returned multiple times. This in turn caused over XXXX dollars in bank fees. Unbeknownst to me at that time, some utility payments, as well as credit cards payments were returned by the bill payment provider. These payments were coded to appear as if it was myself who refused these payments, therefore causing 30 day late to appear on my credit files. Also, I have had a utility terminated due to this, as well as another utility suspended. I contacted my former credit union, to receive a contact number for this bill payment service. Upon contacting this company, the call suddenly terminates without my speaking to anyone in regards to this matter. I had a bill payment service approve payments while there are insufficient funds in one 's account. I have also attached proof some payments were attempted more than twice. According to credit card companies, when a payment is returned, that payment is applied to the balance, unless otherwise instructed. I did not interfere with the processing of the credit card payment. I was informed by the credit card company, a notation was placed on the payment, therefore causing the card to become late on my credit files. Furthermore, this company has not mailed me at my mailing address, in regards to this matter. I have provided notes from a conversation with XXXX XXXX, in regards to what was to happen if a payment is returned. Also, I have included verification of the Direct Deposit that was intended for my credit union for XX/XX/XXXX. Also, the address the credit union, as well as the USPS, and the Department of Veteran Affairs, as of XX/XX/XXXX. Also, I only received notification of this alleged debt after receiving a phone call from this company, on XX/XX/XXXX. I requested a letter be mailed to me in regards to this matter. I never received such letter. As I was contacted less than 21 days after the payment was allegedly made, there was no attempt to resolve this matter within the credit union. I was not allocated the full thirty calendar days to dispute this alleged debt. as it has been now over sixty calendar days, and I still have not received formal notice by postal mail, this alleged debt is hereby invalid. As you mentioned in your previous answer to the CFPB, my address was considered as " invalid '', according to your company. As an alleged collector of debts, my address could have been obtained by contacting the credit union itself or by conducting " skip tracing '' with the credit bureaus. Also, I find it rather perplexing how you had an invalid address when you contacted me via telephone. I also informed you of the correct mailing address per our telephone conversation on XX/XX/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