Complaints

This profile includes complaints for Fiserv, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Fiserv, Inc.

  600 Vel R. Phillips Ave Milwaukee, WI 53203

• 

  Fiserv, Inc.

  707 W Algonquin Rd Ste A Arlington Hts, IL 60005-4406

• 

  Fiserv CU Systems - Chicago Center, Inc

  135 S La Salle St #2412 Chicago, IL 60603

• 

  Fiserv, Inc.

  7000 E 47th Ave., # 1600 Denver, CO 80216

• 

  Fiserv, Inc.

  455 S Gulph Rd Ste 405 Kng Of Prussa, PA 19406-3114

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:03/31/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was using clover and Fiserv took over $7,500 from me. I'm afraid if they do not release my money I may have to seek legal counsel

  Business Response

  Date: 04/02/2025

  Ms. *******,

  Thank you for reaching out with the stated concerns. 

  We will release the funds on hold to the bank account on file ending in 0016. Please allow 5 - 7 business days to see the deposit to your account. 

  Please do not hesitate to contact us should you have any further questions. 

  Thank You, Fiserv

• Initial Complaint

  Date:03/29/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My regions bank account was compromised and had an account take over which resulted in the fraudsters using my account to make online bill payments to T-Mobile and Alabama Power several times which was reposted to regions bank who fixed the issue but somehow Fiserve keeps harassing me and sending emails saying I owe them when clearly it was fraud!!!! I never authorized nor made in bill payments nor set up any on my account!! My account number is **********, contact me at ************* !! Next I will be filing a lawsuit if this issue will not be resolved! It was over ********* in bill payments which is INSANE!!!

  Business Response

  Date: 04/01/2025

  Ms. *****,

  Thank you for reaching out with the stated concerns. 

  We have flagged your account as fraud. ************ handles all fraud investigations, liability and recovery. You would need to reach out to ************ for assistance and resolutions. 

   

  Thank You, Fiserv

  Customer Answer

  Date: 04/01/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  [There is no need for me to contact regions reasons being have contacted them months ago and they removed the negative balance from my account for those stated transactions by fiserve but somehow fiserve keeps contacting me regarding that fraud but now my lawyer has since filed a claim against both fiserve and regions . But thanks for not resolving the issue!!!!
  
  Regards,
  
  ****** *****

• Initial Complaint

  Date:03/27/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Frustrating Experience with BluePay/Clover/Fiserv Support No Resolution After Hours of Calls On March 26th and 27th, I spent a total of four hours on the phone with various support teams from BluePay/Clover/Fiserv/CardPointe, only to receive no solution for my issue. Despite multiple transfers, neither the company nor their technical support could provide clarity or resolve the problem. Instead, I was passed around in circles between different departments, wasting valuable time.The Issue:I currently use CardPointe (Clover) integrated with Gym Master for my gyms payment processing, which functions adequately. However, I recently added TapMango for my smoothie bar, requiring ************************ access. While I can log in to CardPointe without issue, ************************ does not recognize my credentials. Support confirmed that my account email ************************ is correctly linked, yet I never receive the necessary login emailand no one could assist me in resolving this.Poor Support Experience:I contacted five different support numbers, only to be repeatedly redirected without resolution:************ ************ (contacted twice after being sent back)************ ************ This lack of effective escalation or problem-solving is unacceptable for a payment processing provider. Im sharing this review in hopes that a professional from Clover/Fiserv will see it and finally provide the assistance I need.

  Business Response

  Date: 04/07/2025

  Mr.  *******,

  We have made several attempts via phone and email to reach you but have been unsuccessful and have not received a callback or email response from you. We would be happy to discuss the issue with you but would need to speak with you. 

  Please review our voicemail and return our call or emails so we can discuss to reach a resolution. 

   

  Thank You, Fiserv

• Initial Complaint

  Date:03/25/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was using the service Clover for my business card processing doing and had a dispute for one tip amount (not the full amount of the charge) and my account was frozen! My customer came into the store, with card present, showed Id, and signed the receipt leaving me a tip on receipt. Clover said I was not protected in this situation and I should have RESWIPED the card for my tip amount because it was over 20%. My account is currently frozen and I cant receive the money from other payouts. I called multiple times and was told the only department that handles this is by email, but I cant get an email address or phone number to talk to them directly.

  Business Response

  Date: 04/03/2025

  Mr. ******,

  Thank you for reaching out with the stated concerns. 

  The funds are being held on the account until we are certain there is no liability or risk. Funds will be eligible for review on 6/2/2025, Please contact us at that time to request the review for release of funds, please note, the review is not automatically done, you will need to call to request.  

  The account was closed due to processing not being consistent with the of nature of the business. The majority of the sales are being processed on prepaid cards, authorizations are are obtained for smaller amounts then actual transactions are are double the amount. We now have a chargeback. 

  You may contact customer service at the time noted for the review request. 

  Thank You, Fiserv

• Initial Complaint

  Date:03/24/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I want an investigation opened up into the whereabouts of my $400.00 payment and why the payment was not applied to my account. My last called to Fiserv on 3/17/25, I spoke Aniwah who was extremely rude and was not helpful into locating my payment. When I told her my money order was cashed her response was we dont accept money orders,. When I questioned her and told her the letters I received says otherwise and if you dont accept money orders than why was mine cashed. I asked for investigation be opened to locate the payment. She didnt have an answer for me, she claims all she can do is notate the account. On 3/21/25 I received a call from the Supervisor at ************************* and she confirmed the last set of notes from Fiserv only indicates I called to inquiry on the account no mentioned of the investigation.I want my payment of $400.00 applied to my account and my online bill pay reactivated with *************************. I also want them to rescind any account sent to an outside collection agency rescinded and removed from all three credit bureaus.

  Business Response

  Date: 03/25/2025

  Ms. *****,

  Thank you for reaching out with the stated concerns. We apologize for any frustration caused. 

  We have confirmed the money order payment. Your ******* profile has been reactivated and we have ceased collection efforts. 

  We believe this issue has been resolved. If you have any further questions please do not hesitate to contact us. 

  Thank You, Fiserv

  Customer Answer

  Date: 04/04/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  This account was sent to an outside collection agency, **********************. DBA ******, **** & CREED ***************************************************  I WANT PROOF IN WRITING THAT THIS ACCOUNT WILL BE RECINDED FROM THE COLLECTION AGENCY AND REMOVED FROM MY CREDIT REPORTS EXPERIAN, TRANSUNION AND EQUIFAX ASAP.

  
  Regards,
  
  ***** *****

  Business Response

  Date: 04/16/2025

  We are writing regarding the transaction you scheduled to ************ on December 31, 2024 for $400.00. Fiserv notified ******, **** & Creed and confirmed that the account was closed from their side. Please accept this as confirmation that no money is owed for this transaction, and the case is considered closed.     

  Thank you, 

  Fiserv

• Initial Complaint

  Date:03/19/2025

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We had never engaged with this business but still received one of their devices. We have since reached out to return the product we did not order and they have been unwilling to provide a return shipping label. They continue to call us to help "set up" the device that we never ordered.

  Business Response

  Date: 03/24/2025

  Mr. *****,

  Thank you for reaching out with the stated concerns. We apologize for any frustration caused. 

  The merchant account was closed and the lease disposed due to fraud. We have requested a return label be emailed to *************************************** for the return of equipment. Please do not hesitate to contact us should you have any further questions. 

  Thank You, Fiserv

  Customer Answer

  Date: 03/25/2025

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  ***** *****
  

• Initial Complaint

  Date:03/14/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  RE: Clover *** product ***resentation my manager and I received from ************ on behalf of Fiserv regarding the Clover services and contract details. The sales **** ******, mis***resented the features and functions included in the service, leading to unexpected additional costs and subscriptions.During the sales process, the *** explicitly stated that all functions required to run my business were included in the service. I have discovered that nearly all the functions needed to run my business have been additional purchases and monthly subscriptions.This mis***resentation has resulted in significant financial burdens and operational challenges for my business.Upon talking to multiple different departments, leasing and customer service, I was offered buyout of the *** terminal from the original price of $1798 to $1577 then down to $1360. This payment was demanded before my next billing statement Mar 15th (3 days). I explained numerous times that as a small business I do not have the funds to buyout a product that was so poorly mis***resented, I ***eatedly offered to return the device in exchange for cancellation of my contract and no additional charges. The leasing **** and customer service then offered for me to keep the device in exchange for continued monthly payments. Stating that I was entered into a 48-mo non-cancellable contract. Upon reviewing my contract provided by ************ there was no mention of Non-Cancellable terms.I have since emailed Fiserv's leasing department requesting the Cancel of my lease contract effective immediately upon return of the Clover product. I attached emails between my manager, the sales *** and the contract that doesn't state that it is non-cancellable.I was told on 3/12 that this email would be expedited and I would receive a ***ly from the claims **** ****. I have not heard back yet. I am hoping that this complaint shows the seriousness of my situation.

  Business Response

  Date: 03/17/2025

  Ms. ********,

  Thank you for reaching out with the stated concerns. We would be happy to assist however, your complaint does not provide us any account details to locate your lease. Please provide your merchant and/or lease number, doing business as name and the business address. Additionally, the complaint references attached emails but there are no attachments to the BBB case. 

  Please provide your account details, attach the emails referenced and provide your copy of the lease so we can review as you state it does not list list the lease terms of 48 months and non-cancelable. 

   

  Thank You, Fiserv

  Customer Answer

  Date: 03/18/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  [The account information and previous correspondence has been attached.]
  
  Regards,
  
  ********* ********

  Business Response

  Date: 03/25/2025

  Ms. *********,

  We have made several attempts to reach you by phone and email in order to discuss the account and resolve. Please return the call to ************ so we can reach a resolution with you. 

   

  Thank You, Fiserv

  Customer Answer

  Date: 03/26/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  I have been in contact in contact with the representative. We are working towards an acceptable solution.
  
  Regards,
  
  ********* ********

  Business Response

  Date: 03/27/2025

  Ms. ********,

  Thank you for following up. We are confident that the agent will be able to reach a resolution for you. If you need any further information please do not hesitate to reach back out. 

  Thank You, Fiserv

• Initial Complaint

  Date:03/12/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am filing a complaint against Fiserv for wrongfully withholding my business funds, providing inconsistent information, and failing to act transparently regarding the closure of my merchant account.I have been processing payments through ****, a payment processor that partners with Fiserv, for nearly six months with no issues. My business, Service ********, provides consulting services for home service companies. During onboarding + underwriting process, I clearly informed Stax that I am a startup business and that my transaction amounts would increase as my business grew.However, on February 21, 2025, I was suddenly informed that my account was under review and that my funds over $8,000 were being withheld for 90 days. Justification for this decision has changed multiple times, and Fiserv has failed to provide written documentation of their involvement.Initially, **** informed me that Fiserv made the decision to close my account and withhold my funds. However, when I contacted Fiserv directly, their representative told me that my account was in good standing.When I confronted Stax with this information, they backtracked and claimed that the Fiserv representative did not have full access to risk information and that it was, in fact, Fiservs *************** that had made the decision. However, neither Fiserv nor Stax has been able to provide a written confirmation of this.I have repeatedly requested:An official written statement from Fiserv Risk confirming they made the decision to close my account,. A policy reference justifying the 90-day fund hold. A clear explanation of why my account was suddenly terminated despite being in good standing. Fiserv has failed to provide any of the above. They have been evasive, misleading, and uncooperative in resolving this issue, severely impacting my business operations.Their lack of ***************************** handling this matter is highly concerning, and I am prepared to escalate this further if necessary.

  Business Response

  Date: 03/19/2025

  Mr. ********,

  Thank you for bringing the stated concerns to our attention.

  Several calls, voicemails and emails had been made in an attempt to reach you to discuss the account. An agent was able to speak with you today,3/17/2025, regarding the account and held funds however you chose to disconnected the call. You were offered the option to refund the cardholder which you refused. The merchant account will be closed and funds were be held for a minimum of 90 days. Please contact us after that timeframe to request a review for release of the funds. 

  Thank You, Fiserv 

  Customer Answer

  Date: 03/20/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  Fiservs response contains multiple falsehoods and misrepresentations that need to be addressed:
  
  Several calls, voicemails, and emails had been made in an attempt to reach you.
  This is completely false.
  
  The only call I ever received from Fiserv was from *** ******** on 3/13/2025. There were no several calls, no voicemails, and no emails attempting to contact me.
  
  I request a full call log and email record proving when these alleged attempts were made. If Fiserv cannot provide this, then this claim should be retracted.
  
  An agent was able to speak with you today, 3/17/2025.
  I received no such call from Fiserv on 3/17/2025.
  This appears to be an attempt to falsely document attempted resolution in bad faith.
  
  You chose to disconnect the call.
  I did end the call with *** ******** on 3/13/2025but only after it became clear that she was reading from a script, ignoring my concerns, and refusing to provide any real answers about my case.
  Her call was not a resolution attemptit was a scripted deflection to pressure me into refunding my customers.
  
  You were offered the option to refund the cardholder which you refused.
  This is a gross misrepresentation of the situation. The refund option was never mentioned in any previous correspondence until *** presented it out of nowhere.
  I did not refuse a refundI expressed concern that this was being offered as a supposed solution after weeks of contradictory explanations and non-answers.
  
  Fiserv has not provided any written policy reference justifying the 90-day hold.
  
  Fiserv has changed its reasoning multiple timesfirst blaming transaction size, then exceeding an approved volume, then offering a refund option.
  
  Fiserv is now misrepresenting its actions to the BBB, falsely claiming multiple contact attempts and distorting what actually occurred on the call.
  
  Fiserv must immediately release my withheld funds or provide a legitimate, documented reason for why they cannot. 
  
  Regards,
  
  ****** ********

  Business Response

  Date: 03/20/2025

  The options offered were to refund the cardholder, which would allow you to ask for another form of payment or we continue to hold funds. Please refer to your merchant agreement which advises we can hold funds. 

  At this point, the funds will be held for 90 days. Funds cannot be released at this time. 

  If you would like a copy of your merchant agreement please contact customer service who can supply a copy of the agreement along with the terms and conditions. 

  Thank You, Fiserv

  Customer Answer

  Date: 03/21/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  To whoever at Fiserv authored this message:
  
  Youve chosen to respond with a templated, dismissive summary that ignores the facts, sidesteps accountability, and insults the intelligence of a business owner trying to resolve a legitimate issue.
  
  Lets clear this up:
  
  - Ive now requestedin writinga copy of my merchant agreement, approval parameters, and underwriting profile from both Fiserv and Stax.
  - Neither of you has produced a single document.
  - You continue to claim this 90-day hold is permitted under my agreement, yet you refuse to actually provide the agreement or cite the specific clause.
  - If youre going to withhold $8,000+ in cleared business funds for 90 days, you should be able to point to something concrete, not redirect me to generic customer service. Thats not how responsible institutions operate. Thats how bureaucracies deflect.
  
  - On my phone call with **** I was told my approved limit was $2,500.
  - If thats true, explain how I was able to process multiple $5,000 transactions for months with no flags.
  - Thats not risk managementthats retroactive enforcement, and its a failure in your internal controls.
  - The refund option *** offered is not a resolution. Its a legal and reputational trap.
  - No real fraud concern is solved by letting a merchant just refund and re-bill.
  - Offering that option proves this hold is not grounded in actual riskits about shifting liability away from your team.
  
  If you're going to make these decisions, you dont get to hide behind canned statements and pass the ***** Im speaking to you directly:
  
  - Youre withholding money I earned from customers I served.
  - Youve provided no written explanation, no documentation, no escalation path, and no confirmation that my funds will even be released after 90 days.
  
  At best, this is gross mismanagement. At worst, it's deceptive conduct under the guise of risk mitigation.
  
  Im done being polite about this.
  
  - Ive filed with the **** FTC, the ***** and the ***********
  - Ive submitted demand letters.
  - And Im documenting every step of how youre misrepresenting your actions to a federal mediator like the BBB.
  Unless you can produce specific documentation and a valid reason for continuing to hold my funds, I will continue escalating until your team is held accountable.
  
  ******* ********
  Founder & CEO, Service Crucible 
  

  Business Response

  Date: 04/01/2025

   Dear Mr. **************** We have received your BBB rebuttal concerning your merchant account under Service ************ and regarding our decision to withhold funds. Our records reflect that your account came under risk review and decision was made to withhold funds because of processing higher than signed for sales, prepaid card activity and not being supportive of the risk of the large sales. We understand that a Risk Analyst reached out to you requesting that you refund the sales, however, you declined and disconnected the line. Our Risk Team will review the account in 90 days to determine if remaining funds of $8,000.00 can be released.

  Please note this is not an automatic process and you must contact **************** to initiate the review. You may contact Payment Depot **************** at **************. 

  A copy of your merchant agreement is attached.

  Thank you, Fiserv

  Customer Answer

  Date: 04/03/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  Dear Fiserv Employee Who Copy+Pastes Responses: 
  
  Your response is garbage, and your entire process is a joke.
  
  Youve now copied and pasted the same empty statement three timesacross BBB, CFPB, and direct messages. Meanwhile, *** lost access to over $8,000 in cleared business revenue with no real explanation, no accountability, and no effort on your part to actually resolve anything.
  
  You claim:
  I processed higher than signed-for sales but you wont show what I was signed for.
  There was prepaid card activity a brand-new excuse never mentioned once until now.
  I wasnt supportive of the risk after I submitted every document you asked for and was upfront about my pricing during underwriting.
  
  What you're actually doing:
  Youre not managing risk. Youre manufacturing it.
  For six months, I ran multiple $5,000 transactions with no issue. If I was capped at $2,500, why did your system allow it? Why didnt you flag it earlier? Why did your risk analyst offer a refund-and-rebill option if this was fraud-related?
  And dont hide behind call was disconnected. I hung up after your rep *** gave me zero answers, refused to escalate, and read from a script like it was her first day on the job.
  
  What youre doing isnt policy. Its bureaucratic cowardice.
  
  I want real answers:
  
  Where is the contract clause that justifies this 90-day hold?
  What exact underwriting limit was I approved ****** where is it documented?
  Who is the decision-maker behind this hold? Give me a name.
  
  Ive already filed with:
  CFPB (your response there was just as embarrassing)
  OCC (actively investigating your actions)
  **********, and
  My legal counsel, who now has your contradictions on record.
  
  Regards,
  
  ****** ********

• Initial Complaint

  Date:03/06/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I opened an account with ******************** credit card processing for my business. They placed my account with a third party called ********* at that time, which has since renamed itself FiServ. I have an agreement with the third party company FiServ to take $29 per month in installments for service and plan on a Clover Flex credit card processing machine. On January 3, 2025 FiServ took an unauthorized amount of $99 from my commercial bank account without cause or reason. When I questioned the charge to the company, they responded "As costs for this rise globally in 2025, we have to transfer a small expense to all clients only to keep things safe, reliable, and secure for you. For just 0.27 cents a day, we can better ensure all things with your account are secure and properly backed up." This is not a service or transaction that I authorized, the company never asked me or gave me any heads up they would be deducting my bank account for more ********************** than the agreement states, nor do I welcome unauthorized unannounced transactions to hit my bank account.

  Business Response

  Date: 03/07/2025

  Mr. Ozxier,

  Thank you for reaching out with the stated concerns. 

  First Data was acquired by Fiserv in 2029. Our records indicate your merchant account was opened in 2022. Clover is a copy of Fiserv, there is not a third party. 

  We have attached your November and December 2024 merchant statements. Please see the November statement under the section listed as IMPORTANT INFORMATION ABOUT YOUR ACCOUNT. This section explains the new fee that will be added to your account in December 2024. The fee billed with your December statement and is a valid, Please note that the section also advises processing after 

  Further review of your account not show a monthly fee of $29.on your account. You pay processing fees on the sales processed but there is no flat fee. If you have more then one merchant account please provide that merchant and we would be happy to review. 

  If  you have any further questions or would like a copy of your agreement which specifics fees can be changed with notice, please contact **************** at **************.

  Thank You, Fiserv

• Initial Complaint

  Date:03/04/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  A new "fee" every single month for the last 3 months including: ****** annual security bundle fee 299 annual membership fee (oh, wow, customers are paying to be members now?!) $125 quarterly PCI charge (even though I'm compliant) I absolutely DO NOT have an extra $725 laying around, I cannot afford this. Being told the same dismissive thing from everyone who answers the phone. Need the charges REVERSED IMMEDIATELY.Update today from my *** said that this decision came from upper management at FiServ and they said they are not refunding any of these completely unethically charged fees, that this was predetermined.

  Business Response

  Date: 03/10/2025

  Ms. ****,

  Thank you for reaching out with the stated concerns. 

  As a courtesy, we have issued a refund for the $125 PCI Non-Compliance Fee and $299 for the Annual Fee on March 7, 2025. Please allow 2-3 business day for the refund to be deposited to your bank account on file ending in 4076. 

  If you have any further questions please contact **************** at **************. 

   

  Thank You, Fiserv

   

   

  Customer Answer

  Date: 03/10/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint entirely. I am still awaiting the refund for the $299.99 security bundle charged on my December monthly statement and taken from my bank account on 1/3/25.
  
  Regards,
  
  ******** ****

  Business Response

  Date: 03/11/2025

  Ms. ************ fee billed of $299.99. is your Annual Security Bundle Fee. This is not a new fee and it was billed to you in 2023. This fee is valid and will not be refunded. 
  Thank You, Fiserv