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.

  2415 Century Pl SE Hickory, NC 28602-4031

• 

  Fiserv

  3000 Riverchase Galleria Hoover, AL 35244-2315

• 

  Fiserv, Inc.

  19615 Russell Rd Kent, WA 98032-1115

• 

  Fiserv, Inc.

  600 Colonial Center Pkwy Lake Mary, FL 32746-4764

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:11/09/2022

  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.

  FiServ approved +/- 80 transactions but did not fund our bank account. When we brought this to their attention, they claimed our software/systems had failed. We removed our modem and sent to manufacturer for testing and it was working properly. We have a claim number with FiServ, and they took longer than 30 days to address the issue. Once past the 30 days, they said they could not do a "courtesy closing" to fund our account as we had exceeded the 30 days and therefore the credit card approvals were no longer valid. We couldn't close the account as we were still working on the funding, so they charged us service fees on the account. We have now closed the account and received a confirmation number, however, they will not fund the original +/- 80 transactions because even though they approved them, they have exceeded the 30 day time frame, and also will not reverse the monthly service charges as they claim we left the account open and did not officially close it with a confirmation number. We have nearly 12 hours on the phone with them documented from September 28, 2022 to November 09, 2022 and no resolution as they pass us from department to department. We have email chains with SMB ******************** that was supposed to resolve the issue, but now no longer responds. We produced every transaction with valid documentation and still have not received funding.

  Business Response

  Date: 11/23/2022

  ****************,

  Thank you for contacting us with the stated concerns. We understand your frustration due to the missing funds. 

  It appears you are using DataCapture to run your sales, when a batch is completed it is sent to Fiserv for processing and funding. The last batch received was on 9/20/2022. There were no batches received after that date therefore, no batches were processed and funded. Authorizations are received through your program from the issuing bank. Our company does not approve the sales and do not receive information until your batch is received. In this case no batch was received from Datacapture. You need to work with them to recover your batch.

  Authorizations are good for 30 days. After 3o days you are at risk for chargebacks. As the account is closed we are unable to process anything further. 

  Customer Answer

  Date: 11/28/2022

  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.
  
  

  They are correct that they have not funded the batches beyond the date as stated.

   

  However, they have approved the purchases, can see the purchases, and could have conducted a "courtesy" closing.  

   

  I have attached the sales that FiServ approved.  This is a car wash, and once they approved the sale, the wash was provided by our company.  There is no method to recover the services.
  
  Regards,
  
  *********************

  Business Response

  Date: 11/28/2022

  Fiserv does not authorize/approve the cardholders purchase. Approvals are received from the issuing bank. Once the transactions are batched they are forwarded to Fiserv for processing and funding. The batch was never received from Datacapture therefore there was no processing and funding to be completed. 

  Customer Answer

  Date: 11/30/2022

  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.
  
  Why then, could FiServ see all approved transactions and have a representative of their company, (******* on October 28 @ 11:15am) suggest a courtesy closing to complete the transactions?  During a conference call with Unitec and FiServ, representatives of FiServ were very direct that our equipment had failed and they were not culpable in any way.  They could however, see all +/- 80 transactions "approved" in their systems, but refused to fund because they were not "closed".

  Once the modem was removed from our machine and sent for inspection, the modem still operated as designed as evidenced by a $0.50 transaction their technician processed.

  The best part is that FiServ continued to charge me for monthly fees even after I could no longer process credit cards with them, and made it incredibly time consuming and difficult to close the account.  Never offered to refund fees despite evidence of a claim. Seems like pretty standard operating procedure for this company....make it hard to resolve issues so customers will "give up and walk away".

  So much for 15 years of loyal customer business.

  I have resolved to the fact that this +/- $1,200 will never be funded, and that I spent money for fees for this account long after it was a viable service.

   

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

  Business Response

  Date: 12/07/2022

  ****************,

  When a sale is ran an approval is returned from the issuing bank which verifies the account is active and funds are available at that time for the sale. While the system does capture the information, the sales are not processed until the batch is closed and received. In this case, the batch was never received by us therefore it was never processed. 

  This was not an error by Fiserv.

   

   

  Business Response

  Date: 12/13/2022

  ****************,

  Fiserv does not authorize/approve the cardholders purchase. Approvals are received from the issuing bank and the information is captured in our system. Once the transactions are batched or closed out, they are forwarded to Fiserv for processing and funding. The batch was never received from Datacapture therefore there was no processing and funding to be completed. There was no error on our part. 

  In regards to the fees, you stopped processing in September however didn't call to request cancellation until November 9th, 2022. Fees billed were for September processing and October monthly fees. The account was closed November 9th and no fees were billed for that month. Unless we are directed to close the account, the account remains open and monthly fees apply. 

   

  While I believe this addresses your concerns, please do not hesitate to reach out should you have any further questions.

   

  Thank You,

  Fiserv

• Initial Complaint

  Date:11/08/2022

  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.

  We are a 501(c)3 nonprofit based in **********, **********, serving people with HIV and preventing the spread of HIV in our community. We have used the Clover credit card merchant service company for many years to receive payments and donations as part of our fundraising activities. Since June 2022, we haven't received the funds into our account, now totaling $75,18648. We have contacted the company over 10 times about it, and each time are only able to speak with a customer service agent who "escalates" our issue to a manager who will then call us back within 72 hours. We do not receive a call back and when we attempt to call to speak with someone, we are sent into the same loop with a new customer service agent. We are never put in touch with anyone who can do anything about resolving our situation. We did receive some email communication and were asked to send 3 months of bank statements, which we did. We still haven't heard back. We were told the reason for them holding onto our funds is because we haven't received this much in the past, but it's not that significant of an increase (approx 40k in the past instead of 70k this time). By now we have explained why but still haven't received our funds. At this point it feels like our money has been stolen and we need help. We are seeking legal support but we are a small nonprofit without a budget for a big lawyer. I don't know what to do about this. Meanwhile, Clover continues to charge us $15 a month in service fees.

  Business Response

  Date: 11/10/2022

  ****************,

  Thank you for reaching out with the stated concerns. We are unable to locate an account for you with the information provided, in order to assist we need to review the account. Please provide your business name, business address and merchant number. 

   

  Thank You,

  Fiserv

• Initial Complaint

  Date:11/07/2022

  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 a small business owner, based in ****** ***** and operating since September 2016. I have been using Clover Card Processing Services for a little over year before this situation happened.My merchant ID is ************** have two transactions that are being held in the "Reserve Account" since end of August 2022 in the total amount of $11,080.One transaction from Aug 26,2022 in the amount of $2,000 Second transaction in the amount of $9,080.On September 22,2022 I have received a physical letter "Notice of termination and reserve" signed by Ms.*********************** with the phone number ************(which is not a working number). and yet I am still being charged monthly fees and I have not YET received my funds back in the amount of $11,080.I have been calling and emailing constantly without ANY feedback, follow-up or assistance. No one is able to provide me with any useful information and let me know when my funds would be released back to **** need to get my funds back and since I have been terminated by the company, also understand why they still are charging me.

  Business Response

  Date: 11/25/2022

  Ms. ********, 

  Thank you for contacting us with the stated concerns. We apologize for any miscommunication. The funds have been released to your bank account.

  Your merchant account has not been closed, is still open and it is available for you to use and process. If you would like to close your merchant account please contact customer service at  ************ or the presidential unit at ************. 

  Please do not hesitate to reach out if you have any other questions or concerns.

   

  Thank You,

  Fiserv

  Business Response

  Date: 12/02/2022

   ********************,

  Thank you for contacting us with the stated concerns. We apologize for any miscommunication. The funds have been released to your bank account. Your merchant account has not been closed, is still open and it is available for you to use and process. If you would like to close your merchant account please contact customer service at ************ or the presidential unit at ************. Please do not hesitate to reach out if you have any other questions or concerns.

  Thank You,

  Fiserv

• Initial Complaint

  Date:11/07/2022

  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.

  Fiserv has been withholding funds from our business for absolutely no reason.When I tried to recover funds, I was told it will be 3 days till the funds will be released.Now 4 months later, funds keep being stolen from our daily sales, we are on the verge of closing our business and go bankrupt.We have involved the ******** broadcasting network **** CTV, ********************* in the process of recovering our funds from this predatory company

  Business Response

  Date: 11/09/2022

  Duplicate of case 18318362.

• Initial Complaint

  Date:11/04/2022

  Type:Sales and Advertising 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 husband and I received a call regarding fraudulent transactions on our ********************* account. We called immediately and received information from a representative regarding two transactions that had posted to our checking account in large dollar amounts for us. We are both Senior Citizens, my husband is a veteran, and we live off of SS income. We dont make a lot of money and this took everything we had in our account and put it in a severly negative status. We called our daughter for assistance and she walked us through the steps of filing a police report and called back the number **********, which she later discovered was FiServ. The phone was answered by a very rude and inconsiderate representative, *****, who was combative from the start of to the completion of the phone call, as though she did not want to be helpful or understand our concern. My daughter, who my husband was on the line with, was asking questions and ***** abruptly refused to answer them, even after my husband gave authorization. ***** does not have the appropriate customer service and deescalation skills necessary to answer calls with high stress situations such as fraud. It was like we were a burden to her and her treatment of us was disparate. I would like the calls we had with both representatives, but especially the call with *****, as her professionalism was non-existent, to be reviewed. Additionally, I would like the ***** department to actually handle fraud claims instead of directing us to a bank that is closed. To have the capability to advise of fraud but not aid in resolution is ludicrous.

  Business Response

  Date: 11/28/2022

  Thank you for bringing the stated concerns to our attention.  In order to resolve, we recommend that you reach out to your Financial Institution for further information, especially anything regarding any fraudulent transactions as our Support Team for ************ does not speak directly to the Cardholders as we have no way to validate account holder information.  We also have no record of any call on file.

• Initial Complaint

  Date:11/04/2022

  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.

  10/31/2022 I use Clover POS system. I had a dispute which was resolved in my favor. Due to this dispute Fiserv is holding a $2070.00 transaction unrelated to said dispute. The money from the dispute has been returned to my bank. I received an email on 11/2/2022 requesting info from Fiserv and responded immediately with requested info. The email stated this would be resolved within 2 business days. i have attempted to cal and email this company multiple times and have gotten no response. I have spoke to and email with Appstar this is who runs Clover. The rep has said he has emailed and gotten no response as well and there was nothing he could do. I am a new business just starting out and $2070.00 is a lot of money to have tied up for no reason. Please help me with getting my money deposited to my bank as soon as possible.

  Business Response

  Date: 11/18/2022

  Thank you for bringing the stated concerns to our attention.  Our records show that the account came under security review and after reviewing documentation, they agreed to release funds in the amount of $2070.00 and maintain the account.  Funds were released to the *** on file on 11/7/22.

  Customer Answer

  Date: 11/21/2022

  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.
  
  Our account had a dispute filed on a transaction(our one and only dispute since account has been opened) on a transaction that had nothing to do with the held transaction. The disputed transaction was resolved in my and money deposited back to my bank on 11/2/2022. I got no response or information until I filed this complaint, on the Monday following this complaint all of a sudden a manager was involved and my money was deposited that evening. I attempted to contact Fiserv on multiple occasions through email as directed to no avail. I contacted AppStar on multiple occasions and was told they were also not getting a response from FiServ. I would like this account closed at no charge to my business as I do not feel safe using them for money transactions as I feel I was given incorrect information on multiple occasions and in some cases flat out lied to. There is no way to contact the risk management department with FiServ except through email and no one responds when you email them.

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

  Business Response

  Date: 11/21/2022

  As stated previously, we show your account came under security review due to receiving chargeback(s) on a fairly new account and after Risk reviewed the requested documentation, they agreed to release the funds and maintain the account.  Funds were released to the *** on file on 11/7/22.  Please note that our Risk Team works as quickly as possible on accounts that come under review.  If you have any further questions, we recommend that you reach out to **************** directly at **************.

  Customer Answer

  Date: 11/22/2022

  [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 not satisfactory to me however I will not continue to go back and forth on this issue. I however will not be using your equipment or service any longer. 
  
  Regards,
  
  *******************
  

• Initial Complaint

  Date:11/04/2022

  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.

  Clover POS/Fiserv has been holding funds from my company since October 07-2022 for the amount of $545, for orders that have been shipped and delivered to my customers. They were my credit card processor for my e-commerce business and said that my account was under review due to suspicious activity/increased in business sales. I have submitted every request they've made in a timely manner, weeks later, they told me my account was in good standing. Then a week or so later when I asked about the funds still being held, they've sent me another email telling me my account was again under review, requested more information about my business which I again provided in a timely manner. However, on Monday October 31st 2022 they call me to let me know they've have decided to terminated my account by the security team without giving me a reason as to why they made that decision and they still have my money and charged my account their fee for said transactions. Today November 4th-2022, I called their customer service line and they cannot give me a reason as to why they terminated my account because they do not have any note on it, the only information provided by their security team was they are terminating my account. They said it will take 2 weeks for me to receive a letter and they will let me know then about when my funds are being released, which is completely unacceptable given that the orders have been shipped and deliver.

  Business Response

  Date: 11/16/2022

  Thank you for bringing the stated concerns to our attention.  Upon review of the merchant account, we found that it was recently established on 9/7/22.  The account came under security review and funds diverted to a reserve account in the amount of $545.00.  The funds stemmed from two sales on 10/7/22 and 10/17/22.  Risk has determined that the Merchant was unsupportive of the processing risk.  Due to this, Risk terminated the relationship on 11/3/22 and will secure funds for 60 days.  We recommend that you reach out to **************** directly at ************** in 60 days where Risk will review the account again, and determine if funds can be released at that time.

  Customer Answer

  Date: 11/17/2022

  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 responded to every email theyve sent and provided with everything they required.. These items have been already shipped and customers have received their items. So what risk? Im happy to provide tracking numbers for these transactions once again. 
  
  Regards,
  
  *****************************

  Business Response

  Date: 11/17/2022

  Please note that the documentation was reviewed and Risk determined that you were unsupportive of the processing risk and funds would continued to be held.  Per the Merchant Processing Agreement (MPA) that was signed on 9/7/22 @ 5:48 PM under Section ****; Reserve; Security Interest, we can hold the funds up to 10 months or longer.  However, they will review again in 60 days.

   

  Customer Answer

  Date: 11/18/2022

  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 review started on October 9th 2022. On October 20th, after our email exchange, I was told by your business senior consultant regarding this matter Account is fully approved; you are good to go.. When I started to ask about the funds being held, he became unresponsive and On October 31st, I received a call from your risk review team, terminating my account. No explanation whatsoever and no word regarding my funds.Ive called clover and told me they couldnt communicate with the risk team and there was no notations in the account as to why my account was being terminated. Please email me a fully explanation as to why you are terminating my account as I would love to provide once again, all the information to get my funds for these transactions of the goods that I have already shipped and customer has had it for a while now. 

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

  Business Response

  Date: 11/29/2022

  The account came under security review due to you processing not as signed on the Merchant Processing Agreement (***).  The *** was signed to process on average $400.00 per transaction and 100% for 0 days delivery timeframe.  Records show your first transactions processed were $1000.00 and $1800.00, you had extended delivery timeframes and low banking.  Our Risk Team reviewed all your documentation and determined that funds cannot be released at this time.  Risk terminated the account due to the reasons specified.  They will secure funds and you can reach back out in 60 days and Risk can review the account again to determine if funds can be released.

• Initial Complaint

  Date:11/02/2022

  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.

  Business ********************* Ticket number: 104164887.Ticket number: 104275371.Fiserv/First Data/ Clover is a company with no accountability or values. It should cease to operate in ******.On Sept 7th, 2022, a customer made an error by entering an amount on the *** machine that was almost 18k, as soon as we found out the mistake I made a refund on the Clover dashboard on the same day.The money never went to my bank account.What followed was a nightmare, the customer never got her refund even after continuous phone calls to the company.I spent hours trying to speak to customer service agents/ supervisors/ sales reps to fix the issue as the customer was getting interest charges on the credit card.Fiserv never responded to my emails for a refund, their agents ignored my pleas to fix the refund.Not only Fiserv failed to refund the customer, but they kept 6k of our store ********************** on hold.Finally, I got a reply from the risk department asking me a few questions regarding the transaction 1) Are you aware of the refund(s) being processed?a) If you are not aware, please contact the customer service team to discuss 2) What is the reason for the refund(s)?3) When was the original sale(s) processed on your merchant account?I explained to the risk **** that I have not received that money into my bank account, the money is held at Fiserv side it took another two weeks and another complaint on BBB to get the customer her refund.However, ******************** still thinks that I have that money in my account, they attempted to withdraw the money from my account and were stopped by the fraud security department at my bank Now, Fiserv is stealing the 6k original hold-up money to pay for the supposedly refund money that I never had Update 11/2/2022 Fiserv continues to steal my money Attached is a copy of money stolen from our business, why Fiserv thinks the refund money went into our bank account??The 18k transaction never went to our bank account

  Business Response

  Date: 11/09/2022

  Please note that we have engaged our ******** Escalations Team and Risk Team who have agreed to release the funds on hold in the amount of $6138.29 and maintain the account.  Please allow ***** business hrs. to be deposited to the *** on file.

• Initial Complaint

  Date:11/01/2022

  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.

  ******* LLC is a ******************** offering services to help business promote their business on ******* We have been using Fiserv to process our transactions. We opened a account around Feb 2022, since then we have processed over $250k worth of transactions. Fiserv stopped sending money to our back around the September 30th 2022 and are holding over $38'000.My complaint is that we have delivered the service to our clients, we have also provided invoices upon request as well as phone numbers to our clients. The clients have their product, now about paying us for the service!One client was so happy they instructed us, and signed a new contract to spend well over $150'000 per month with our business.We have contacted the sale agent www.NetPayBankCard.com who tells us there is nothing we can do , and that our account is in a risk review. Well its been over 30 days and no one from FISERV has contacted our customers.I think it is 100% disgusting that FISERV are holding our funds and not communicating with ******* LLC or our sales agent. What's more, we have tried to call FISERV several times, you are not able to speak to the risk team as they have voice mail. I spoke to agent at FISERV and asked them if I could record the call and they gave permission. The agent stated that the risk team do not care, and the agent was sick and tired of getting calls from clients who's funds were on hold.Our business is a genuine business, we are able to provide invoices, and customers phone numbers to confirm we have delivered the goods. FISERV has not contacted one of our clients.While we agree we have had some charge backs, sadly any idiot can say they are not happy, or goods are not as described and we will fight every single one.FISERV release our payment!

  Business Response

  Date: 11/09/2022

  ************,

  Thank you for contacting us with the stated concerns.

  We apologize that you were unable to reach our ******************* to speak with an agent and assure you that Fiserv does care about all of our merchants. The calls with the agents will be reviewed and appropriate action will be taken as needed to address any service issues.

  Funds were held and the account went into review due to the number of chargebacks that have been received. Funds were released on 11/4/22 to your bank account. An agent with our Security area will be reaching out to you to discuss the account and the hold. This case is also being handled by a member of our presidential team who has been in direct contact with you as well.

  Please do not hesitate to contact us should you have any further issues or concerns.

• Initial Complaint

  Date:10/27/2022

  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.

  Please note that Fiserv is holding over $3600 in credit card sales for no apparent reason. We were the victim of fraud from a charge of $1500. We were advised that the chargeback would be deducted from our credit card revenue and the balance would be sent to us. We were then asked for certain documentation which was provided 3 days ago, and we have not heard back nor can we get anyone on the phone. This company is impacting our ability to operate.

  Business Response

  Date: 10/31/2022

  Thank You for contacting us with the stated concerns. We are unable to locate your account with the information provided. Please provide your merchant number, company name and business address so we can access your account and assist. 

   

  Thank You,

  Fiserv

   

  Customer Answer

  Date: 10/31/2022

  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 company was provided my merchant account, but it is ****************. My company's name is LSDS Business Services Corp., address is ************************************************************************************** Phone Number: ************, email address is: *********************************************** Please see the attached demand for payment letter.
  
  Regards,
  
  ***************************

  Business Response

  Date: 11/09/2022

  ********************,

  Thank you for providing the additional information. 

  Your account is set up through a third party independent sales organization (ISO), Host Merchant Services. We have been in contact with them and they have advised they are in direct contact with you regarding your account and the funds held. The merchant account will be closed, funds will not released at this time due to chargebacks, however, it can be reviewed for release in 60 days. 

  If you have any further questions please do not hesitate to reach out to us or contact the ISO. 

   

  Thank You,

  Fiserv

   

  Customer Answer

  Date: 11/10/2022

  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 company's statement is not correct. According to Host Merchant Services, I was supposed to receive a letter and a phone call from FISERV. Neither one of the instances happened. I also have disputed the chargebacks and I am set up to be notified electronically for any issues, and this is not happening. I requested from Host Merchant Svcs. to close my account as FISERV was improperly taking monies out of my bank account w/o any explanation. I had to close my bank account for security reasons, I contacted FISERV numerous times by phone, and email neither of which were answered. Their practices are unacceptable!
  
  Regards,
  
  ***************************

  Business Response

  Date: 11/16/2022

  We apologize for any miscommunication as were advised Host Merchant Services had reached out to explain the outcome to you. We have asked them to contact you directly to discuss your account and answer any questions you may have. 
  The account was closed by Security and funds will not be released at this time. 
  Host Merchant Services would be able to explain debits to you account and to review the account to make sure it is set up correctly to receive chargebacks. Please continue to respond to any chargeback disputes received. 
  
  Thank You,
  Fiserv  

  Customer Answer

  Date: 11/16/2022

  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.
  

  Please note that Host Merchant Services has advised me that they have been unable to get in contact with your company. I have been unable to get in contact with your company. Your company does not reply to emails, return phone calls, nor have you replied to letters that were sent via *** to your offices. Additionally, I was set up for ***************, and you were supposed to notify me electronically for any issue related to my account. You have failed miserably there as well. I am giving you until November 21, 2022, to resolve this matter otherwise I will refer this matter for legal action. Your intransigence and unwillingness to cooperate is astonishing. I am very happy that I no longer am doing business with your company. I expect any monies due to my company will be sent immediately to my office. Your company has not acted in good faith.
  
  Regards,
  
  ***************************

  Business Response

  Date: 11/18/2022

  ********************,

  Fiserv has been in direct contact with Host Merchant Services during this process. Our security department attempted to reach out to you but were unsuccessful. 
  Please see the attached letter that was mailed to you. 

   

  Thank You,

  Fiserv 

  Customer Answer

  Date: 11/21/2022

  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.
  
  FISERV has never been in contact with me, and I have checked with Host Merchant Services, and they advised me this morning that nobody has been in contact with them. I can also confirm that I have not received any correspondence via email or US Mail, nor has anyone called me. I do not agree with FISERV's response.
  
  Regards,
  
  ***************************

  Business Response

  Date: 11/28/2022

  We are again attaching the letter mailed regarding the closure of the account. The account has been closed, funds will not be released at this time, however, the account can be reviewed again for release in 60 days. 

  Host Merchant Services has been advised of the same information and we have been in contact with them. Per their email to us they have also advised you of the same, "I had advised the merchant that ********** was closing their account and would be able to review the remaining funds after 60 days. I also advised them that they would be receiving that correspondence directly from **********". We are in contact with Host who state they are in contact with you and relayed the information. 

  At this time funds will not be released but feel free to contact us back in 60 days when we will review again to see if funds can be released. 

  We understand you may not agree with this decision however per your signed agreement, if needed a reserve will be established. In this case a reserve has been set up with the funds held.  

   

  Thank You,

  Fiserv

   

   

   

   

  Customer Answer

  Date: 11/30/2022

  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 spoke to Host Merchant Svcs., and I was advised by ************** that she is unable to get ahold of anyone at FISERV. The supposed person that wrote this letter never answers the phone number on the letter, and the company has phone numbers that I am happy to list that hang up on you on purpose. This company is highly unethical, and its business practices are deceptive . The company owes me over $3,700, and I have sent them numerous letters and nobody contacts you. Host Merchant Services can't get anyone on the phone either! Additionally, I have been harassed by their collections department, and I was told that the person that wrote this letter doesn't exist! You are harassing me now on top of holding my money. 

  
  

  Regards,

  
  

  ***************************

  Business Response

  Date: 12/09/2022

  ******************,

  We are in direct contact with  ***************************** <******************************************>, who states she has spoken with you regarding the account and provided the information to you.

  Attached is a copy of the letter mailed to you regarding your merchant account.

  The funds on hold were depleted as chargebacks continue to come in. As such, the account is now in the negative and a collection balance is owed. Please reach out to hold and ***** with any questions.

   

  Thank You,

  Fiserv

  Customer Answer

  Date: 12/09/2022

  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.

  
  

  [Please type your response here.]

  I have not received any correspondence or any accounting of my account. ***** advised me a week ago, that she never heard from anyone at your company.  Please stop wasting my time, and send an accounting of my account to me, as I have not received any correspondence from you.  The mail is not reliable send an email. You are not being transparent. I am not doing anything until you provide me documentation as I requested, and stop blaming Host Merchant Services as they told me that they can never get ahold of anyone. 

  Regards,

  
  

  ***************************

  Business Response

  Date: 12/14/2022

  ********************,

  We are simply stating that we have been in touch with Host Merchant Services and the information they are providing us differs from the information you are providing. We are not blaming Host Merchant Services for anything nor implying any wrongdoing on their part. 

  Attached to this case is the letter sent to you from Security regarding closure of your account. If you are unable to access the attachment you need to reach out to the BBB for assistance. 

  We have received five(5) chargebacks against your merchant account. 

  Additionally, we were unable to debit fees in the amount of $569.87.

  Chargebacks $1500.00, $1190.00, $1190.00, $1500 .00 and $2100.00. Additionally, we were unable to debit fees in the amount of $569.87.
  

  Funds held/Credits - $3753.05

  Debits - $8049.87

  Difference of $4296.82 that is owed. 

   

  Thank You, Fiserv

  Customer Answer

  Date: 12/15/2022

  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 requested a statement with all details, and it has not been provided to me to review. Until I receive in writing not an email this information, I do not trust the accuracy of this information. Host Merchant Services on numerous occasions has attempted to contact your company with me on the phone, and nobody gets on the phone, or we get disconnected. The one phone number I had had a message on it that stated the persons voicemail box is full. This is not an ethical way to run a business. If you expect me to repay you anything, then you need to provide me an accounting from 09/01/2022-12/01/2022 so that I can review this. You can send it to me in the mail at *******************************************************************************************. Upon receipt I will review it and reply by ** Mail kindly provide an address or email address as your company never ANSWERS THE ****** In the event I owe you any money I will resolve it as long as you are on the up and up with me. As of this point you have not done so and have caused enormous damage to my fragile health as I am disabled, and I have M/S and cancer. 
  
  Regards,
  
  ***************************

  Business Response

  Date: 12/23/2022

  Please contact Host Merchant Services and request copies of your statement. They will be able to provide.