Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FISERV FINXACT CORE
State: NV

Complaint narrative:
On XX/XX/XXXX XXXX placed a hold on my account with them and sent me this email Your XXXX account is temporarily on hold Hello, We have detected unusual payment activity on your XXXX account. For your protection, we have placed your account on hold temporarily and placed any pending orders or subscriptions on hold as well. 

If we are unable to confirm your payment information within 72 hours, your pending orders will be canceled. Your account will remain on hold until we are able to confirm that you are the authorized owner of the payment method used in the recent transaction. 

To restore access to your account, sign in to your XXXX XXXX  XXXX  account and follow the on-screen instructions. Once you have provided the required information, we will review it and respond within 24 hours. 

We apologize for any inconvenience this may have caused. 

Sincerely, Account Specialist Which I did what they requested and I received this email on XX/XX/2021 Your XXXX account : response required Hello, Thank you for your response. We have reviewed the information you provided but we were unable to verify ownership of your visa payment ending in XXXX because the documents provided did not have transactional details. Your account is still temporarily on hold. 

You can resolve the issue by signing in to your XXXX XXXX XXXX  account again and following the on-screen instructions. 

When uploading a document to verify ownership of a payment method, be sure that the name, address, payment type, and relevant transaction information are clearly visible. For your security, only display the final 4 digits of the payment method number. 

Please share your information promptly so that we can verify the payment and restore full access to your account as soon as possible. 

Sincerely, Account XXXX XXXX XXXX XXXX XXXX Again I completed what they asked of me and on XX/XX/XXXX  then I received this email Hello, XXXX TRS Recovery Services , Inc. ( `` TRS Recovery Services '' ) to process customer payments made via electronic bank account transfers. TRS Recovery Services has been notified that your financial institution was unable to process a transaction relating to your recenXXXXorder ( s ). There are some common reasons why this may occur. These include mistyping account numbers and/or routing numbers, omitting digits to account numbers, or recent changes to your financial institution 's ABA Routing Number and/or account number structure. 

You may be receiving, or have already received, a phone call from TRS Recovery Services about this issue. This contact was authorized byXXXX 

Most processing errors are fixable with some simple changes to the electronic funds transfer request. To provide the information necessary to reprocess this transaction, contact TRS Recovery Services toll-free at : -- Within XXXX -- Outside of the U.S., please callXXXX Hours are Monday through Thursday, between XXXX XXXX  and XXXX XXXX  XXXX, or Friday and Saturday between XXXX XXXX. and XXXX XXXX  XXXX. 

Both TRS Recovery Services andAmazon.comappreciate your response and attention to this issue within the next 3 business days. Once you have addressed this issue with TRS Recovery Services , Inc., please allow 2 to 3 business days for your payment to clear. 

We have placed your XXXX account on hold pending resolution of this issue. You will not be able to access your XXXX account or order information online. We will remove the hold from your XXXX account when TRS Recovery Services confirms that the amount in question has been paid in full. 

Sincerely, Account Specialist XXXX XXXX XXXX XXXX ========================= Which I have contacted both TRS Recovery and XXXX and verified that the transaction wasn't something I had purchased from them. Which I am a victim of identity theft which I have already let both companies know that as well. I have XXXX XXXX  that I pay for can't use it and can't even access it.

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