Business Profile

Information Processing

Fiserv, Inc.

This business is NOT BBB Accredited.

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Complaints

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

Customer Complaints Summary

418 total complaints in the last 3 years.
125 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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:08/30/2022
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.
For the last 90 days the credit card deposit clover reports to my commonly known as "batch out" at the end of each day does not match what clover is depositing in my account. I feel this is bordering on criminal activity.we tried countless times (4 or 5) with support and still no resolution..... Each time we start over with an explantion and promise of resolution.......I WANT MY MONEY
Business Response
Date: 09/08/2022
Dear **************************,

Thank you for bringing your concerns regarding your batch to funding discrepancies to our attention.

Please provide some examples of the discrepancies so we can further research. Please provide your Clover batch reports with the associated funding to your bank, so we can determine where the difference is.

What we are seeing is if you had $100 in credit card sales on Monday and $50 debit sales on Monday you are being funded $150 on Tuesday.

Please do not upload your batch and banking documents to this portal. Please send them directly to our secure email listed below and reference the BBB case number in the subject line.
Are you able to add the following to our previous response for this case?

Dear **************************, We are in receipt of your recent voicemail to our Presidential Unit advising that you will not provide the requested information in order for us reconcile your deposit amounts. Our records show that all transactions are being funded to your account. Without providing your documentation and accounting showing the contrary we cannot investigate. We understand that you have provided this information through different avenues, however, as you've now come through the BBB and a different escalation team is responding, the information needs to be provided again, or we will not be able to assist any further.

Currently your debit transactions are processing faster than the credit transactions causing the deposits to be split up. If you would like our Clover team can update the terminal which will allow you to receive your deposit all at once. However, this update would need to take place after business hours.

Should you have any additional questions or concerns, please do not hesitate to contact us.

Respectfully,
***********************************
Presidential Liaison,
************** Toll Free
******************************************
..
Initial Complaint
Date:08/26/2022
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 has been holding funds from being deposited into my business bank account for the past week in the amount now of ******* and another amount of *******. I have spent countless hours at my bank ***** of America) trying to resolve whatever the risk ***** has flagged my account and holding my funds for. Their customer service has now set up 3 calls where the risk management team was supposed to contact me, they have cancelled all 3 calls. The withholding of these funds has crippled my business, I can't pay employees, purchase materials for other jobs or pay vendors. I have tried every avenue to resolve issue, called every person I can sent countless emails ect.... I am ar a loss of what else to do here.
Business Response
Date: 09/15/2022
Thank you for bringing your concerns to our attention. We have provided your complaint to **** of America Merchant Services who has advised that were in contact regarding this matter. They advised that you refund and accept another form of payment per Security/Risk. Refunds were issued back to customers as instructed. A reserve balance amount of $12,759.32 will remain.
Customer Answer
Date: 09/18/2022
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.

[Please type your response here.]
Fiserv, made this whole thing a nightmare that cost me time, money, and customers. They would set up phone calls for a certain day and time to explain to me why my account was flagged by the risk department and then would cancel the call right before it was supposed to happen. Finally risk kept the call they scheduled but would not answer a single question I had about why my merchant account was flagged also the day they did actually call me they where supposed to call me back at 5:00pm to tell me when my funds would be released of course this call did not happen either. They left me no choice but to refund my customers which took them about 2 weeks to release the refund back to my customers and then I had to have my customers pay me again at that point through our new credit card processing company. They constantly lied to us through this whole ordeal making up atleast 6 different reasons why we where flagged by there risk department. When it finally came down to why my account was flagged and funds frozen for over a month they finally said that it was because my account was set up to have an average sales ticket amount of ******, we did not set up this amount nor would we have set it up as such a low amount. This was set up by our representative that helped us set up the merchant account in the first place. This of course does not explain why the roughly 6 months we had been using our merchant account and receiving credit card payments for well over that amount the account was never flagged. This experience almost put our company under and costed us in so many ways. I would advise every small business if your merchant account with your bank uses fiserv find another bank or card processor that doesn't they will flag your account for no reason and make you go through absolute h*** to get your money back. They are the worst company I've ever had to deal with they overcharge fees these fees have no ryhm or reason to them, they do not protect credit card information though they charge you to do it, just overall a mess of a company.
Regards,

*************************
Business Response
Date: 09/29/2022
****************,
We understand you have been communicating with ******* from the **** of America's Response Team. We would ask that you continue to work with ******* to reach a full resolution of your issue.
Thank you
Fiserv
Initial Complaint
Date:08/26/2022
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.
I opened up a Clover account for my small charter fishing business at the advice of the manager of the bank I do business with. Ive been opened approximately 5 weeks and now Fiserv has opened up an investigation stating they have questions and are requiring three months of bank statements. I provided them the very same day and now its been a week all while Fiserv has frozen any money coming into my account. My daily allowance on transactions was $1000 according to my bank and all three transactions in question were approx $940 each. Because Im a very small business Ill be forced to shut down. Fiserv has over $2000 of money frozen. Why would I stay open so they can take my money? What do you think youre going to do with my money? The services were already rendered. Should I ask my customers to give me my charters back that I took them on?
Business Response
Date: 09/07/2022
Sept 7, 2022

SKILLET SPORTFISHING ****************************************
******-****,** 96740

Re:BBB 17777440

Dear **************,

Thank you for bringing your concerns to our attention.

We do apologize for the inconvenience the review may have caused. We are seeing the batches that had been under review have been released and funded on 8/30/2022.

We believe this fully resolves your concerns. Should you have any additional questions or concerns, please do not hesitate to contact us.

Respectfully,
***********************************
Presidential Liaison,
************** Toll Free
******************************************
Initial Complaint
Date:08/24/2022
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.
A bill was sent to the wrong bank account. By the time it got back to me, I tried to pay it to FISERV. but couldn't. They had the wrong account number. So I paid the bill to the original company (holiday station stores) In the meantime, they also paid them. Now they want me to pay them too. As I don't believe I should be responsible for a double payment, they should go to the company (holiday station stores) and collect from them.
Business Response
Date: 09/01/2022
September 1, 2022

************************************************************************************************* style="mso-special-character:line-break">

Re:BBB 17762241

Dear ************,

Thank you for bringing your concerns regarding the double payment to Holiday Stationstore to our attention.

We have researched your concerns and it was found that the incorrect bank account was selected when the original $21.74 payment was submitted on 7/11/2022. On 7/12/2022 you made a payment of $107.60 and selected the correct account to pay from. On 7/27 you contacted the collections department and they explained that because we had paid the business, both the $107.60 and the $21.54 which was returned to us as unpaid the $21.54 was still owed to us.

This did result in a double payment to the merchant Holiday Station stores. However,you would need to work with them to either be credited for the overpayment on a future purchase, or a refund directly to you.

We believe this fully addresses your concerns. Should you have any additional questions or concerns, please do not hesitate to contact us.

Respectfully,
***********************************
Presidential Liaison,
************** Toll Free
******************************************

Customer Answer
Date: 09/01/2022
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.]

Regards, I
****************; I did not make the mistake. YOU DID. I should not have to pay for your mistakes. I met my obligation with Holiday Station stores. If you have a complaint with them accepting my payment, then it is your responsibility to collect from them.
Business Response
Date: 09/09/2022
September 9, 2022

************************************************************************************************* style="mso-special-character:line-break">

Re:BBB 17762241

Dear ************,

Thank you for your additional comments regarding the double payment to Holiday Stationstore to our attention.

Our response stands, this was not an error on our part, and you will need to work with the payee (Holiday Stationstore) to resolve the over payment. The payer (you) selects which account the payment should be made from when submitting the payment. We have no way of changing this once you have made your selection.

We believe this fully addresses your concerns. Should you have any additional questions or concerns, please do not hesitate to contact us.

Respectfully,
***********************************
Presidential Liaison,
************** Toll Free
******************************************

Customer Answer
Date: 09/13/2022
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.]If you paid for the bill, in advance of the payment, that was stupid on your part. I am not responsible for your stupidy. What kind of business would pay a bill in advance of a payment. You made the mistake from the start. You have to go to the Holiday Station stores for your payment. I understand that Holiday is slowly eliminating you from their records. Now I understand why. Since I have met my obligation, it's up to you to collect from the company. Again, I met my obligation. I am not, nor will I try to correct your error. If you stop and think, (which apparently you don't do) Had you done the right thing, we wouldn't be going through this now. Correct your own error, and get this taken care of now.

Regards,

***************
Business Response
Date: 09/14/2022
Thanks for brining these further concerns to our attention. Our previous response, and current stance on the matter stands. There can be no further action taken on our end and you will need to work with the payee directly.
Customer Answer
Date: 09/15/2022
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.

[Please type your response here.]

Regards,

****************; You will have to deal with Holiday Station Stores. I'm through talking with you. Don't neglect your responsibility. You are the dumbass that paid the bill prematurely. I paid the bill when it was due to the correct company. How many companies like yours, pay the bill then expect payment? That's just a stupid way of doing business. Wake up and do the right thing.
Initial Complaint
Date:08/22/2022
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.
On May 9th, we processed a credit card transaction in the amount of $25,000 from our long time client on an authorized charge for work already completed. On May 10, we received an email asking for a multitude of information about our business, our services, banking history, client invoices and client authorization for the charge. We immediately responded with all the information they asked for. We made many calls and completed a multitude of emails. We also let our client know that they would be contacted by Fiserv to verify the charge which caused the client to be confused. I have multiple emails to see when our funds will be released without response from the risk management team. Around May 22 I was told by customer service that we would have to wait another week just to schedule a call with their Risk team. On June 1, 22 days after the transaction, they were supposed to call me, didn't and then tried to call 30 minutes after the scheduled time from an unrecognizable telephone number. We then received an email, indicating that the transaction was reviewed and a decision was made on it and that they did not need any more information from us, without telling us their determination. We are now writing this 14 days after the determination letter, 36 days after the transaction and after multiple additional calls and emails into Fiserv with no response. Regulators definitely need to consider how this organization runs their business.At day 43 the BBB transferred this claim from Fiserv to **** of America. We then spent 1 month trying to get this solved with BOFA. When we spoke with BofA they took our Merchant number and confirmed that it belonged to FISERV. We are now at 105 days since they held our funds and they will not answer a telephone call or reply to an email. **** said that they are very busy and that everyone has trouble reaching them. Consumers Desired Resolution: To release the $25,000 that they wrongfully held.
Business Response
Date: 09/06/2022
September 6,2022

*********************
5215 ************** #***
******, ** 60077

RE: BBB 17752186

Dear **************,

Thank you for bringing your concerns to our attention.

We understand from our **** of **************** that the funds in the amount of $21,723.64 were funded to your bank account on August 26th.

there was a collection balance amount of $3,276.36 that was deducted from the $25K reserve. You will need to contact our ******************* @ ************ to determine why there was a remaining balance.
We believe this fully resolves your concerns. Should you have any additional questions or concerns, please do not hesitate to contact us.

Respectfully,
***********************************
Presidential Liaison,
************** Toll Free
******************************************
Initial Complaint
Date:08/22/2022
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.
i got a letter in the a mail about a $230.00 balance from discover bank and i didnt set a payment with this company or had a us allance checking account in my name and this is fraud and someone has stolen my infomation and im getting tons of letters at my address and i never did bussniess with discover or any banks i dont own any banks accounts im disabled .. and im asking this two companies to stop sending mails to this addresss this is identity theft
Business Response
Date: 08/29/2022

Dear **************,

TRS Recovery Services, **** (TRS) has received your BBB complaint regarding an item that *** have been assigned to us for collection.However, we are unable to retrieve any items from our database on the limited information you provided.

We want to promptly assist you in locating or correcting any inaccurate information in our systems but we need a little more information to locate any item or to conduct an investigation. Any or all of the following pieces of identifying information will allow us to search our records more thoroughly and we should be able to initiate reinvestigation promptly to address your concerns:

o A copy of notice received from TRS o Any reference number received on a TRS letter o Bank routing/account number for all records at issue

Please fax this information to ************** for further investigation and resolution. Please be assured that information you provide TRS is legally protected from unauthorized disclosure. If you have any additional questions, please contact me directly at ************ or you can reach our ******************** at ************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET.

PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TRS.

Sincerely,

*****************************
TRS Recovery Services
Initial Complaint
Date:08/17/2022
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.
Im processing with fiserv for five years now. I went to change my bank account and now they put a security hold on my funds. Over 12k on hold and Im a small business. I was unable to make payroll last Thursday and my employees walked of. I can not afford to buy products. I made it thru the pandemic only to lose by business because of the very people who is supposed to be protecting me. Please help me get my funds released so I dont have to close my doors permanently. Theyve held my funds for over two weeks now!
Business Response
Date: 08/22/2022
Dear *****,
We show the funds ($11,916.88) were sent to your bank on 8/19/2022.
We believe this fully resolves your concerns. Should you have any additional questions or concerns, please do not hesitate to contact us.

Respectfully,
***********************************
Presidential Liaison,
************** Toll Free
******************************************
Initial Complaint
Date:08/14/2022
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.
This all started last a few weeks ago with moneynetwork. I work for **** Solutions which is a nursing agency. This is how I get paid. A pay card was sent to me at a old address. So I called in to have a replacement card sent to me by Fed Ex to be received by August 11th. I however did receive the replacement card. About time I went to activate the card that card was canceled out without my permission. I have no way to get paid without this pay card. The reps are very very unprofessional no sympathy no nothing. They are hanging ** in my ears putting people thats suppose to be a supervisor on the line. This is very very ridiculous at this point. I have no way to access my monies. Every card that they send me out before Im able to activate the card they close the card.
Business Response
Date: 08/16/2022
Dear ******,
Thank you for bringing your concerns to our attention. In reviewing your account it looks like what is happening is when you call in to report a card not received we close the card and issue a new card. But then the "missing" card arrives but it was already shut down, so you call to report the card not working and we issue another card which closes the one still in the mail. At this time there is a card scheduled to mail out to you today or tomorrow. We can not provide the card number here due to security but I have requested that customer service call you, to provide the last 4 digits so you know when you have the correct card.
We trust that we have addressed your concerns, but nevertheless, please do not hesitate to contact Money Network **************** directly at **************.
Respectfully,
***********************************
Presidential Liaison,
Customer Answer
Date: 08/18/2022
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.

[Please type your response here.]

Regards,

*********************
However thats incorrect information that you have gave. The tracking number to this card I received yesterday in the via Fed Ex is ************. That card is now closed out even before I received it. This is a joke at this point. I have never called you guys in regards to saying my card is lost or stolen. This makes card number 3 that was mailed out to me closed. So since this card is closed before I received this which is the replacement card for this card that was closed out before activation? And no one was called me as of yet.
Business Response
Date: 08/19/2022
Dear ******,

The most recent card is not closed. It needs to be activated. For security all cards are sent out in a pre-active status. Once received the card holder needs to call in to activate the card.

We understand you did not say lost/stolen, but not working. The system for reissuing a card does not have the reason option for this, so Lost/Stolen is used to get a new card sent out.

Also, as of 8/18/2022 all funds on the card have been returned to RealTime Services. You should inquire with them if they are issuing you a check or a new card as the funds are in their possession.

An email was sent to the email address you provided giving the last 4 digits of the card.
Customer Answer
Date: 08/26/2022
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.]

Regards,

*********************
Yes I finally got in contact with my employer they are the ones who created me a new account and issued me a new card that I did receive and its working and activated. However before contacting the employer Moneynetwork lied continuously indicating that I kept calling indicating I didnt receive my card. Every replacement card that was sent out was already closed out before it could reach me. Review and listen to the monitored phone calls. No form of apology was offered or given no explanation no follow up phone call of any kind. What actually happened?
Initial Complaint
Date:08/11/2022
Type:Service or Repair 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.
A Fiserv representative was at Restaurant Depot in Lombard with a Clover shirt on.He didnt identify he worked for Fiserv until he was in my restaurant hooking up the Clover ***(point of sale) system. I just opened my restaurant on 07/19/22.I used the *** system once installed starting on 08/04/22.Fiserv is holding $3,800 or so of my money I earned in my legit business. They have no rights to my business to hold any of my money. They didnt loan me any money of any sort. Theyve been giving me the run around since 08/08/22 saying their risk department has my money on hold. Their asking me a series of questions that they have no right in asking me about why my sales increased, whos my supplier, when is my delivery dates to name a few. They told me my money would be deposited on 08/10/22 still no money in my account. They claim they cant reach anyone in their risk department its like trying to get in touch with congress.*************************** is the store representative. ***************************** is the account representative over my account.************************* is supposedly ******* manager. He gave me her email I emailed her to her an automated message that shes out of the office on 08/11/22 and will return on 08/12/22.They are still trying to charge me $300 for training we never received. Ive had to close my business down for two going on three days because that money was needed to pay bills and buy more products that keeps my business running. Ive loss wages,occurred late and overdraft fees because of Fiserv is holding my money that doesnt belong to them. This has also caused my staff members to fall behind on bills as I couldnt pay them either. I was mislead. This company is fraud and a scam. Please help me.
Business Response
Date: 08/17/2022
**************,
Thank you for reaching out regarding the stated concerns. We apologize for any frustration or hardship caused to you.
When a merchant account is approved it is done so based on projected volume for the business. When the business is processing higher then approved for it can trigger a review by our *************** causing funds to be held until the review is completed. Questions are asked about the business during that review and is done to protect both Fiserv and your business. Per your signed agreement we do have the authority to do so.
Funds were released on 8/12/22 for deposit to your bank account. Per your request the merchant account will be closed. Refunds have been issued for the $300 application fee, monthly fee of $22.95 and ACH reject fees of $100. Please allow 3-5 business days to receive the deposit of the refunds.
Please do not hesitate to contact us should you have any further questions or concerns.

Customer Answer
Date: 08/19/2022
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.]

Regards,

***********************
I havent received $300.
Customer Answer
Date: 08/19/2022
I received my refund from Fiserv.
Initial Complaint
Date:08/10/2022
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.
On July 21 2022 I discovered $1500 dollars was gone from my debit card ending 1679.The transaction happend on July 2 2022 from ******* as a purchase.I called ******* and was advised they could not help me on July 21 2022 and they told me to contact money network.I called money network and spoke to a representative and told them I was unaware of the transaction and that it was not me.They told me that if i filled out a dispute form that would prove I did not make the purchase and that they would issue me a new card with my original balance of $4032.93.I filled out a dispute form and faxed it to them and I sent it on August 5 2022.Today August 10 2022 I called and spoke to a representative and was told that my dispute was denied and to send a appeal letter I did that as well today through a pdf to the direct email they provided.I want my money back because I did not make the purchase or transaction or authorize it.
Business Response
Date: 08/12/2022
Thank you for contacting us with stated concerns. We have reviewed the dispute and the claim has been denied because it does not meet our requirements for fraud. The cardholder states that the card remained in his possession, however, the transaction in dispute was made with the card present and by entering the correct PIN number.
if any additional new information can be provided we would be able to reopen and review the claim again.

Thank You,
Fiserv
Customer Answer
Date: 08/12/2022
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.]

Regards,

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

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