Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I am filing a complaint against Telecheck due to unfair, deceptive, and abusive practices regarding a disputed fee. Telecheck has attempted to collect an unverified debt from me, misrepresented the nature of the debt, refused verification, and attempted to impose additional arbitrary fees without any contractual basis. 

Blocked Account at XXXX I received a notification from XXXX that my account had been blocked. When I contacted XXXX, I was informed there was a " chargeback '' of approximately {$66.00}. XXXX instructed me to contact Telecheck. 

Conflicting Explanations from Telecheck When I called Telecheck, I was told it was not a chargeback, but instead a returned bank item for insufficient funds. This was surprising because my bank never notified me of this, and I normally maintain a balance far above {$66.00}. 

Attempt to Pay & Imposition of Extra Fees I offered to pay the {$66.00}. The representative immediately became combative and demanded an additional fee of nearly {$100.00}. I explained that I had never been notified of the original item and had no contract with Telecheck to authorize extra fees. 

Refusal to Provide Debt Verification I requested written confirmation of the debt. The representative falsely claimed that Telecheck had mailed me two letters, both of which were returned undeliverable. This is not possible, as I have lived at the same verified address for two years and receive mail daily.

Suspicious Conduct & Escalation When my husband asked for proof of mailing or a tracking number, the representative raised her voice, refused to provide verification, and attempted to end the call. We explained multiple times that we were willing to pay the valid debt but not arbitrary fees without verification. 

Recording of the Call Due to the representatives hostility and refusal to verify the debt, my husband recorded the call with his XXXX XXXX XXXX XXXX. The recording can be viewed here : XXXX XXXX XXXXXXXX XXXX and it is very clear that we were attempting to pay this debt, but only requested some form of validation. Instead, we were hung up on. We only began recording when the woman 's language and tone became so beligerent that it defied belief. I strongly recommend using this to further train representatives, and I recommend pulling the entire recorded call to confirm when the representative broke consumer laws repeatedly. 


Call Termination The representative ultimately hung up on us while we were attempting to resolve the issue. 

Why This Is a Violation FDCPA / FCRA Issues : Telecheck attempted to collect a debt without verification, misrepresented the nature of the debt, and imposed additional unauthorized fees. 

Failure to Provide Validation : Under the Fair Debt Collection Practices Act ( FDCPA ), a consumer has the right to debt validation. Telecheck refused this request. 

Deceptive Practices : False claims about undeliverable letters and refusal to provide documentation constitute deceptive and abusive conduct.

Company response to consumer: Closed with explanation