Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
I am seeking a full refund of approximately {$42000.00} in merchant processing fees charged by Fiserv/First Data for a completely dormant merchant account. 

My merchant ID # for this account I've been told is XXXX ACCOUNT HISTORY : Merchant account established with First Data ( now Fiserv ) in XXXX. The account has processed XXXX transactions since XXXX - completely dormant for XXXX years with no processing activity whatsoever. 

THE PROBLEM : Despite XXXX transactions and no service being provided, Fiserv has continuously charged my bank account through automatic withdrawals : Initial fees ( XXXX approximately ) : $ XXXX Current fees ( XXXX ) : $ XXXX Fees labeled as : XXXX  compliance fees and merchant service fees Total fees paid over XXXX years : Approximately {$42000.00} WHY THIS IS IMPROPER : I am being charged full merchant processing fees for an account that processes XXXX transactions. There is no service being provided. The fees have escalated from $ XXXX to $ XXXX while the account remains completely inactive. 

ATTEMPTS TO RESOLVE : I contacted Fiserv on XXXX. REQUESTED RESOLUTION : Full refund of all fees charged since XXXX ( approximately {$42000.00} ) Immediate closure of merchant account only after refund is issued. Immediate cessation of all automatic withdrawals from my bank account only after refund is issued. Written confirmation that the account is closed and no further fees will be assessed once account has been refunded. 

As of XX/XX/XXXX, the account is still being deducted for XXXX monthly charges and I have never received an email regarding this matter directly from the source. 

Accounts and phone # 's I was given to try to resolve this matter are the following : CLEAN CALL & CONTACT LOG Good-Faith Resolution Effort Date of Contact : XX/XX/XXXX Purpose : Attempted resolution of unresolved merchant processing / billing matter. 


Fiserv / First Data / CardConnect Also known as : o Fiserv o First Data Merchant Services o CardConnect ( aka Fiserv ) Phone : XXXX Notes : Identified as part of the processing chain ; uses XXXX as XXXX processor. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Notes : Referenced as ACH processor connected to Fiserv. 





XXXX Payments Phone : XXXX Merchant / Account # : XXXX Notes : Listed internally as Merchant XXXX XXXX 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Notes : Contacted for general card-related support ; no resolution provided. 


XXXX  Compliance Team Phone : XXXX Email : XXXX Notes : Contacted regarding XXXX  / compliance-related billing or enforcement issues. 





XXXX  / CardConnect Website : cardpointe.com Notes : Manual CardConnect processing referenced ; redirected without resolution. 


XXXX XXXX XXXX Department : New Business / Agent Phone : XXXX Email : XXXX Notes : Contacted as part of merchant services chain ; no corrective action provided. 


Fiserv Purchases / Billing Phone : XXXX Notes : Contacted regarding billing and purchase-related inquiries. 


Result : Despite contacting all identified entities involved in the processing and billing chain, no resolution was provided as of the above date.

Company response to consumer: Closed with explanation