Consumer complaint received 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ADP Inc.
State: MO

Complaint narrative:
Via Certified Mail Return Receipt Requested Wisely Pay Services by ADP ADP, Inc. 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Formal Complaint and Demand for Documentation of Payment Processing Failures Resulting in Credit Reporting Harm To Whom It May Concern, I am writing to formally lodge a complaint and request immediate corrective action regarding multiple failed payment transactions processed through my Wisely Pay account, which has caused significant harm to my credit profile. 

I am employed with XXXX, whose payroll system promotes Wisely Pay Services by ADP as a convenient pay card solution. Upon opening my account, I attempted to use the provided routing and account number to make payments to my creditors, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX having sufficient funds in my Wisely account to cover these payments, each transaction was rejected by your bank. In one case, I was forced to provide my card number directly to a creditor in order for a payment to process successfully. In all other cases, the rejections resulted in late payment notations being reported to the credit bureausspecifically for XXXX and XXXX XXXX Bank so farcausing direct and measurable damage to my credit standing. 

For your investigation, please note that the following account numbers were assigned to me while using your services : Account XXXX XXXX : XXXX Account Number XXXX : XXXX Requests for payment from either of these accountswhile they were activewere not honored despite there being sufficient funds in the accounts at the time. These account numbers are reflected in my Wisely online profile and can be used by your internal investigation team to determine exactly why your bank rejected my transactions. 

I am therefore demanding the following : Immediate investigation into why these transactions were rejected despite available funds.

Written documentation from Wisely Pay Services, on official letterhead, confirming that the payment rejections were due to a technical or operational failure on your part, and not due to any action, omission, or fault of mine. 

This documentation must include sufficient details for me to present to my creditors and the credit reporting agencies so that my accounts can be updated to Paid as Agreed and the late payment entries removed in accordance with federal law. 

Applicable Laws & Legal Obligations Under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and Regulation E ( 12 C.F.R. 1005 ), financial institutions are obligated to ensure accurate and timely processing of authorized transactions. Failure to execute properly authorized transfers, when funds are available, constitutes a violation of these provisions.

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits the furnishing of information to a consumer reporting agency that is known or should be known to be inaccurate. Once you have knowledge that these late payments were the result of your systems failure, you have a duty to provide corrected information. 

The Consumer Financial Protection Act, 12 U.S.C. 5531, prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ). Denying or delaying properly authorized payments without justification, then failing to assist the consumer in correcting resulting credit damage, may be deemed an unfair practice.

Penalties & Redress Under the EFTA, a financial institution that fails to properly process an authorized transfer may be liable for actual damages, statutory damages of up to {$1000.00} per violation, and attorneys fees.

Under the FCRA, willful noncompliance can result in statutory damages up to {$1000.00} per violation, punitive damages, and attorneys fees, while negligent noncompliance can result in actual damages and attorneys fees.

Under UDAAP provisions, the CFPB may impose civil penalties exceeding {>= $1,000,000} per day for knowing violations.

Accordingly, I request that you provide the written confirmation letter within XXXX  days of receipt of this notice. Should you fail to comply, I will have no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Office of the Comptroller of the Currency ( OCC ), and my state Attorney Generals Office, and to pursue all available legal remedies.

Please be advised that this letter is written without prejudice to my rights, claims, or remedies, all of which are expressly reserved.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation