Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FISERV FINXACT CORE
State: NV

Complaint narrative:
I received a notice from XXXX saying that TRS Recovery Services had been contacted regarding a bank account authorization not being accepted. Prior to this e-mail, I had received no notice whatsoever from XXXX about any issues. I attempted to contact XXXX, but received circular answers, including that they could not help me immediately due to my account being frozen ( which was mentioned in the original correspondence e-mail, along with the statement that is would be unfrozen only after I paid TRS. ) They said they would escalate the issue and get back to me. 

When I received another e-mail ( late in the evening in Friday, XX/XX/XXXX ) from XXXX stating that I needed to contact TRS within XXXX business days, I did so with trepidation, as I wished to deal with the issue with XXXX XXXX. We have a stellar credit rating, and the XXXX day deadline was of concern to me. Both e-mails I had received gave no details whatsoever about the transaction in question. 

I called TRS at approximately XXXX XXXX on XXXX, XX/XX/XXXX, and, after much back and forth and difficulty in locating any information about me, they were finally able to share the alleged details of the transaction in question. Our conversation was XXXX minutes in length. 

I recognized the transaction as XXXX I had disputed with my bank as a double charge, and explained this to the agent, and explained that I had been told by my bank ( XXXX XXXX  ) that the issue was theirs, and that a correction had been promised within 5 days. 

The agent told me that it made no difference if XXXX was paidI still owed the full amount to TRS as well. 

When I asked if the XXXX issue that was being reported to TRS would go on my credit record, I was told XXXX did not report to the agencies/bureaus. 

When I asked about additional fees, I was adamantly told there were none. 

I then, after much insistence, received the referral code for the supposed debt, which I had not yet been given. I thanked the gentleman and prepared to end the conversation. 

He then told me I needed to pay him right then. I told him I would not do so. He then told me that I had to pay by the next day. When asked about why the next day was so important and what he meant by that, he stated that if I did not pay by the next day, the information would be sent to the credit bureaus. 
I told him that I considered that a threat, and that he was in violation of the Fair Credit Reporting Act concerning debt collection. He denied making a threat.

After ending the conversation, I went on the TRS website to the payment page, and was able to look up my information with the reference code I had been given. On this pagecontrary to what had been stated by the TRS agentan asterisk was next to the debt, with a notation that additional fees could be added upon payment. 

I have filled out a dispute form with XXXX, and asked for all of their documentation. 

Thank you for any help that you can provide in this matter. I am attempting to resolve the issue with XXXX XXXX and XXXX ; I do NOT wish to deal with XXXX and further.

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