Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
XXXX has inaccurately reported closed account # XXXX to ChexSystems. My ChexSystems report now shows " XXXX '' reported account, but no details this is XXXX 's reporting of a * * manufactured negative balance * *. * * FACTS : * * - Account closed * * IN PERSON * * on XX/XX/XXXX at XXXX, IL branch. - Paid {$50.00} closure fee in cash. - Received final balance ( {$7400.00} ) in cash * * FINAL SETTLEMENT * * under * * UCC 3-418 * * and * * 4-215 * *. - No debt exists. Any negative balance is * * illegal * * created by XXXX 's post-closure postings ( credits/debits ) in violation of * * Regulation E 1005.11 ( c ) ( 2 ) * * ( no adjustments to closed accounts ). * * FCRA 1681s-2 ( a ) REQUIRES ACCURATE REPORTING. * * XXXX 's reporting is * * inaccurate * * there is * * no unpaid debt * *. XXXX 's XX/XX/XXXX CFPB response is false and deceptive they edited XXXX timestamps to manufacture a debt.I closed account # XXXX in person on XX/XX/XXXX. Teller took {$50.00} cash fee, handed me {$7400.00} in cash, closed/zeroed the account on the spot. UCC 3-418 + 4-215 = FINAL SETTLEMENT. XXXX falsely claims my XX/XX/XXXX {$3500.00} XXXX and {$3000.00} withdrawal " did not post until overnight '' due to " restrictions. '' PROOF ATTACHED : My email confirmations show all XXXX debits posted XX/XX/XXXX BEFORE any alleged restriction. Teller saw real-time balance on XX/XX/XXXX and still paid cash in full. XXXX altered timestamps in their CFPB response to move debits from XXXX XX/XX/XXXX to make it look like they posted " overnight. '' XXXX illegally credited {$2000.00} dispute + {$65.00} refunds to a CLOSED account Reg E 1005.11 ( c ) ( 2 ) violation. XXXX still owes {$1000.00} ACH ( Item # XXXX ) deducted before closure but never sent UCC 4A-402. XXXX threatens collections on manufactured {$4400.00} negative balance and falsely claims I am liable. XXXX 's " overnight posting '' and " restrictions '' excuses are fabricated teller paid cash after all debits posted.This is deceptive to CFPB ( UDAAP ) and false reporting ( FCRA ) .I demand : {$3000.00} cashiers check mailed overnight ( {$2000.00} dispute + {$1000.00} ACH + {$65.00} refunds ) {$0.00} balance and written closure confirmation No XXXX/collection reporting Statutory damages for repeated violations " XXXX XXXX PDF '' = XXXX  MANUFACTURER DEBT Furthermore per XXXX  wording account was restricted at " XXXX '' XXXX. After all the XXXX  payments where removed and clear from my account on XX/XX/XXXX. With email confirmation attached below. Also any withdrawals where process in real time via cash and taken out of my account before any " Restrictions '' where put on my account A teller can not pay cash on a restricted account XXXX  's claim is fabricated. XXXX illegally credited {$2000.00} dispute + {$65.00} refunds to a CLOSED account instead of mailing a cashiers check Reg E 1005.11 ( c ) ( 2 ) violation. XXXX still owes {$1000.00} ACH ( Item # XXXX ) deducted before closure but never sent UCC 4A-402. XXXX threatens collections on manufactured {$4400.00} negative balance and recommends payment to collections team. * * UCC 4-215 ( a ) * * Cash payout at the counter is * * immediate and final settlement * *. There is * * no overnight posting * * when cash leaves the drawer. UCC 3-418 ( a ) & ( c ) Regulation E 1005.11 ( c ) ( 1 ) FDCPA 807 UDAAP ( CFPB )

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