Consumer complaint received 2022-04-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FISERV FINXACT CORE
State: MI

Complaint narrative:
Complaint against FiServ Dear CFPB, Please find my complaint against FiServ and my demand to investigate their unlawful business practices and cease and desist their mail fraud and extortion racket acting on behalf of company with whom FiServ does not have connections and who did not authorized FiServ to send me these documents - XXXX XXXX XXXX XXXX XXXX ( former XXXX XXXX XXXX XXXX ) I believe I have uncovered criminal acts conducted for profit and that the representations that were previously taken by me as true are not true. Specifically, I have been subject to claims by XXXX that were misrepresented to me that XXXX was either the owner or servicer of an unpaidloan. 

After conducting my investigation, I discovered that correspondence, statements and notices were sent to me not by XXXX but by another company, Fiserv who is a payment and ATM processor. Based onwhat they now admit, and my research, FiServ receives, processes, and accounts for payments from me and other homeowners, depositing the money into an account controlled by an investment bank that uses it not to reducethe balance of any claimed loan account, but as its revenue on top of 1200 % XXXX % from trades of my securitized identity on the open market. 

But it is XXXX whose name is used to present " evidence '' of the right to administer, collect and enforce the alleged loan. And it is a " representative '' ( robosigner ) XXXX XXXX who provides me false information that is intended to establish theexistence of XXXX business records in order to justify collection from me. 

For example, XXXX XXXX ( likely a fictitious name of an employee who most liklely works for FiServ ) during two and half years insisted that XXXX is buyer of my alleged obligation which is pooled in some XXXX XXXX XXXX here XXXX is a Servicer who collects my payments to handle it to XXXX XXXX XXXX XXXX XXXX  to distribute it to investors ( who is also claimed to be XXXX All these statements are lies since XXXX XXXX has absolutely no records about my alleged loan ; or any servicing by XXXX as well as any Trusts or loan accounts for my alleged loan. XXXX XXXX XXXX XXXX  deny its involvement in my transaction. It was confirmed to me by HUD 's FOIA officers twice - on XX/XX/XXXX and XX/XX/XXXX where XXXX XXXX specifically deny ANY knowledge about my transaction, including XXXXXXXX XXXX " servcing '' and " ownership ''. 

There are no XXXX business records related to receipt, processing, or disbursement of payments received from me. All of that data is input by Fiserv people and systems in collaboration with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fiserv work is not contractually governed by any relationship with XXXX.FiServ most likely does not have any relationship with XXXX at all ; and does not receive any data they mail to me from XXXX XXXX 

This enables investmentbanks who have no financial stake in the alleged loan to control and receive the money, instead of whoever is named as a claimant in any attempt to administer, collector enforce the alleged loan. It is the keystone in setting up an infrastructure of sham conduits to conduct debt collection activities on what is probably a non-existent debt -- - i.e., there is no company or person who loaned me any money or maintains a loan account receivable due from me to anyone. There are only reports issued by XXXX [ or FiServ 's employees who send me these reports ] that are claimed to be " servicer '' of activities never performed by XXXX. 

On XX/XX/XXXX Fiservs representative XXXX XXXX sent me following email : Dear XXXX XXXX, Thank you for your follow up letter. We have reviewed the information you provided. Please be advised that Fiservs only connection with XXXX XXXX here is as a print and mail vendor. Fiserv does not prepare, review, or edit any content from XXXX XXXX and only prints and mails what is provided. 
We trust that we have addressed all your concerns, but nevertheless, if you have additional questions, please do not hesitate to contact us. 

Thus, So, Fiserv admitted that that they are a print and mail vendor in connection with XXXX. But failed to disclose the nature of their connection with XXXX and did not say that they are print and mail vendor FOR XXXX or were hired by XXXX as their print and mail vendor. 

Moreover, Fiserv is implying that they take data from someone else and simply print it and mail it to me. 

But Fiserv is not saying that they actually received that data from XXXX. 

Fiserv is only saying that they do not prepare, review or edit any content from XXXX. 

I several times asked XXXX XXXX to verify if Fiserv receive content of these bills, forbearance, modification and letters from XXXX ; or were hired by XXXX. 

XXXX XXXX repeatedly refused to respond and only referred me to ask XXXX about contents of this data. 

I did not asked FiServ about content of documents they sent me. 

I asked about the source of this data and confirm that FiServ received it from XXXX. 

I also asked to provide me copies of any data Fiserv ever received from XXXX concerning my file for the purpose of printing and mailing ; and provide me name and contact information - direct phone number, business address and email address- for XXXXXXXX XXXX employee who provided FiServ my data which Fiserv printed and mailed to me? 

My last request to FisErv was under RESPA as XXXX, yet XXXX XXXX refused to respond, which is a flagrant violation of the law. 

I demand FiServ to provide me disclosures under RESPA about the source of this data and confirm that FiServ received it from XXXX. 

Provide me copies of any data Fiserv ever received from XXXX concerning my file for the purpose of printing and mailing ; and provide me name and contact information - direct phone number, business address and email address- for XXXX 's employee who provided FiServ my data which Fiserv printed and mailed to me?

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