Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
I attempted to make a purchase at XXXX, and the transaction was denied. I tried again and again and was denied. I called XXXX customer service and was on the phone and was told to try again, which again failed. They instructed me to delete my debit card information and try again. The next day I deleted my debit card information, and I tried again and again and was denied. The customer service representative had me give them my EBT PIN so they could try from their side, and again the debit portion of the transaction failed. I was escalated to technical support, who checked and was told there was nothing wrong with the account and to try again the next day. I tried again the next day and was met with the same results. I called my bank to verify there were no holds or restrictions on my debit card and was assured there were no issues from the bank 's side and that there were ample funds to cover the transaction. I called XXXX customer service again and was told to try another payment form. I initially didn't want to link my bank, so I had my daughter do some shopping for me, as I needed groceries. She used my debit card and had no problems making the purchase inside the store. The next day I went ahead and linked my bank information so they could bill my bank directly. I attempted once again to make the purchase, and once again the transaction failed. The XXXX customer service representative told me to delete my account and make a new one. I created a new XXXX account and reentered my XXXX and debit card information. I attempted again to process a purchase, and again the transaction failed. I began thinking maybe there may be a problem with my computer 's IP ; I attempted to make the transaction from the app on my phone. This time instead of giving me the regular transaction fail message, it gave me a message saying the transaction was denied by XXXX and to call their number ( XXXX ) XXXX. I called them and was told that XXXX uses their service for verifying accounts for fraud and that the transactions were being denied for having too many repeated failed transactions. I explained that the transaction had been denied from the start and that the repeated attempts were suggested by XXXX customer service. I verified my information and was told that there was nothing they could do and to wait a few days and try again, but they could not guarantee that the transactions would not fail again. They have basically blocked my card for online purchases from XXXX ; they basically refuse to unblock it, and in the meantime, I can't make online purchases. I am XXXX and can not go in the store to make my purchases. I make my purchases online and have someone pick them up from XXXX 's pick-up service. I want to make a complaint against XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX.

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