Consumer complaint received 2024-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FISERV FINXACT CORE
State: IL

Complaint narrative:
I closed my website with XXXX XXXX on XX/XX/XXXX. Apparently, First Data XXXX Services, was the credit card processing company. Since then they have pulled over {$2600.00} from my banking account ( {$10.00} a month and a yearly {$150.00} fee ). I could not figure out where the charges were coming from ... I called Go Daddy on multiple occasions, and they said it was NOT them because on my bank statement it says " XXXX XXXX XXXX  ". One of the times I called them they thought maybe the {$10.00} a month might be for a domain name, but I could not find any record of that. Upon calling again, they said my account was closed and there should be no other fees being pulled from my account. My husband called, we got the bank involved and stopped payments because it seemed like fraud. After that I received emails from First Data XXXX XXXX saying I owed them money, but no mention of what it was for. Just that I owed them {$310.00} it was past due ( this did not match the {$150.00} we stopped through our bank, nor did the name match ). I thought it was someone scamming for money. After a call to my home, I looked up a phone number online and called the company. The employee I talked to at First Data XXXX Services said " I can see that you closed your account with us many years ago, that's weird you should not owe us any money ''. So I hung up and thought it was taken care of. I still have not found any record or invoices from First Data XXXX Services to suggest we did business together. I have never received an invoice from them in all of that time. Or a single email from First Data XXXX Services until I cut them off from my bank account as " XXXX XXXX XXXX  ", which is not even their company name so we could not trace it. Also, even if we did business, First Data XXXX Services has NOT provided any services to me in 10 years. Even if I wanted to, I have no access to any First Data XXXX Service services. I did not even know what my account number was. I've asked for invoices, proof that this time my account was actually closed, but all they have done is try to keep getting more money out of me. The website has NOT been in service for 10 years and I have never used any of their equipment or had a single credit card charge through First Data XXXX Services. Yet, to put this to rest I have paid First Data XXXX Services over {$400.00} this year trying to do the right thing and end this because I didn't want it to affect my credit and I had no proof of the phone call I made to close it many years ago. Every time I call them they say it is closed and taken care of, yet a few days later I get another email saying I owe them more money. 

I officially closed my account yet again on XX/XX/XXXXXXXX XXXX XXXX XXXX  and paid First Data XXXX Services {$310.00}. I have email receipts from them and an email stating that I closed my account with them and wanted me to fill out a survey. 

First Data XXXX Services also pulled {$69.00} from my account on XX/XX/XXXX, then had me pay that amount again on XX/XX/XXXX by phone ( which I have proof of both of these payments ). When talking to a First Data XXXX Services representative on XX/XX/XXXX he waived the {$150.00} charge they charged me for collections after hearing what I had been through. He charged me an amount I had already paid of {$69.00}, but I paid, yet again, to get them to leave me alone and keep my credit in tact. 

I have tried calling First Data XXXX Services again on XX/XX/XXXXXXXX XXXX XXXX XXXX and all reps are busy ( which seems common ). I have left multiple messages over the course of almost 2 months and got that all reps are busy on multiple occasions. It seems like a complete scam. You can't talk to anyone, but when you do they get money from you and tell you your account is good, then try to get more money out of you later even though you have tried to comply. 

I have emailed First Data XXXX Services on : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( these XXXX emails contained your emails about cancellation and proof of payment to your company ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I emailed them asking for invoices, a proof of a contract between us, what services they provided me, and proof that my account was in good standing and closed I have called on numerous occasions, but have started keeping details records for the following : XX/XX/XXXXXXXX XXXX XXXX XXXX canceled by phone and paid First Data XXXX Services {$310.00} XX/XX/XXXXXXXX XXXX XXXX XXXX an email receipt from First Data XXXX Services saying I paid them {$310.00} XX/XX/XXXX XXXX XXXX XXXX email from Fist Data XXXX  Services saying that I closed my account and they wanted me to complete a survey XX/XX/XXXX talked with a First Data XXXX  Services employee and paid {$69.00} and he waived the {$150.00} after hearing what I had been through with the company XX/XX/XXXX at XXXXXXXX XXXX email receipt from your company for {$69.00} Now today XX/XX/XXXX I have received a letter from XXXX XXXX XXXX XXXX saying I have been sent to collections and owe {$180.00} ( which is more than the XXXX XXXX  yearly charge that started all this mess that I've paid {$400.00} trying to fix ) These are the phone numbers for the company that I have called : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX They say that they have all of these calls recorded, so you should be able to verify all of this. 

This is causing me high levels of stress, time and money. I am trying to do the right thing.

Company response to consumer: Closed with explanation