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 Inc

  3031 Airpark Dr N Flint, MI 48507-3471

• 

  Fiserv, Inc.

  2415 Century Pl SE Hickory, NC 28602-4031

• 

  Fiserv

  3000 Riverchase Galleria Hoover, AL 35244-2315

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:03/12/2025

  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

• Initial Complaint

  Date:03/04/2025

  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.

  My Fiserv/Money Network debit card ( issued by EDD for ********************** has been debited $1600.00 with unauthorized transfers to an unknown person. I do not know this person and I did not authorize funds to be transferred from my debit card. I have submitted supporting documents to prove I did not request or made those transfers but I immediately received a denial letter from Fiserv ******************* There were countless complaints about this company about people's debit cards being drained with unauthorized online transfers.

  Business Response

  Date: 03/07/2025

  Mr. *****,

  Thank you for reaching out with the stated concerns and thank you for your patience while we reviewed your dispute. 

  We have issued a final credit of $1600 for these transfers. The credits and final resolution letter were issued 03/05/2025.

  Please do not hesitate to reach out should you have any further questions. 

  Thank You, Fiserv

   

• Initial Complaint

  Date:03/03/2025

  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.

  On December 9th my ****** account was hacked. I filed a dispute with money Network and received part of the payment back but I am still owed $501.00 All of the transactions that were taken out of my bank account happened on the same day so I'm not understanding why I was only refunded back part of the money. I filed an appeal with money Network on February 9th and I still have no updates on what's going on with the money that I'm owed. I have been calling them and basically their customer service is junk.

  Business Response

  Date: 03/07/2025

  Ms. ******,

  Thank you for reaching out with the stated concerns. We appreciate your patience as we reviewed the dispute. 

  The refund has been credited for the remaining $501.00. The credit and final resolution letter were both issued 03/05/2025. Funds are available for your use.

  If you have any further questions please do not hesitate to reach out. 

   

  Thank You, Fiserv

• Initial Complaint

  Date:02/24/2025

  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.

  I am beyond shocked at the veil business practices utilized by this company and its affiliates. I was contacted by a gentlemen in august of 2024, stating they were the vender my broker had assigned me to provide a business line of credit in the amount of ******. They had all needed documents and they simply needed me to work with their approved credit card processing company so that they could release our line of credit. I signed up with this company for credit card processing as I was told it was an affiliate group of theirs, and I was told once I ran two payments through the processing system, I would receive the line of credit. Here we are some 6 months later and all I'm getting from any of the companies is pointing fingers and no resolution. I will admit that the company that fraudulently induced me into signing the contracts where not a part of this organization, however, the company did have me sign contracts with this companies name on it under false pretense and there is no way for them to claim ignorance on this or excuse themselves from all liability. I signed a contract with the company name of Clover/First Data Merchant Services. This contract was handed to me by this third party company, meaning that Clover/First Data authorized them to present their contract under false claims. Considering the existence of an action from the *** already, I'm surprised they are still in operation. It would appear the *** needs to get involved once more. As someone else pointed out in a review, its shocking that there is not a class action but maybe that is in order as well.

  Business Response

  Date: 03/07/2025

  Mr. ******,

  Thank you for reaching out with the stated concerns.

  We have attached your signed agreement which clearly lists the terms and cost. Also attached, is the welcome letter which is sent with the equipment, listing the cost and terms of the agreement. A review of your account shows no calls to ********** Global Leasing regarding the equipment terms or cost. The lease is valid and you are responsible for the terms of the agreement. 

  The cost to return the equipment and close the lease is $6,552. The cost to close the lease and keep the equipment is #7,300.80.

  If you have any questions to get instructions for the return, please reach out to ********** Global Leasing at ************.

  Thank You, Fiserv

• Initial Complaint

  Date:02/23/2025

  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.

  This situation began on January 8, 2025, when I was in the process of purchasing a business and learned that I needed a Clover POS system. I acquired the system and was informed by ******* ******* that I could return it if I no longer needed it. I finalized the business purchase on January 10, 2025. Shortly thereafter, I realized that I did not need the new system.Upon receiving the equipment, I immediately attempted to initiate a return. However, ******* ******* misled me into believing that the return process would be straightforward, and he never responded to my inquiries. The one time he did reply to my question about the return shipping labels, he claimed via email that I should check my spam folder for them. However, there was nothing in my spam box. I reached out multiple times to merchant services, leasing, and customer service. I also contacted *** *****, ********* supervisor, but he was unhelpful and did not provide any meaningful assistance. This experience exemplifies a salesperson selling an appealing package without fulfilling their commitments once the customer decides they do not want the equipmenta classic bait and switch. Now, no one is available to help.The lease for the system is set to begin in March, and I have been informed that I cannot return the equipment until that time. I have completely lost trust in this organization and am very concerned that I will be penalized or billed for this equipment once the lease contract goes into effect. I want to clarify that I have not opened the equipment, activated the account, or canceled the initial contract. I am requesting an immediate return of the equipment without any penalties.

  Business Response

  Date: 02/25/2025

  Ms. ******,

  Thank you for reaching out with the stated concerns. We apologize for any miscommunication with your sales agent. As the lease has not yet commenced, we will close the lease agreement with return of the equipment with no fees. Call tags will be emailed to you at **************************** for the return. Please return using the shipping labels. 

  If you have any questions, contact ********** Global Leasing at ************ 

   

  Thank You, Fiserv

• Initial Complaint

  Date:02/22/2025

  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.

  Money has been taken from a card issued by this company. These benefits were issued by the state of NJ for maternity leave. The company is charging me unnecessary fees to receive my money.

  Business Response

  Date: 02/24/2025

  Mr. *****-******

  Thank you for bringing the stated concerns to our attention. 

  A replacement card is being sent today, *** tracking number 1ZX070471310164032. 

  Please let us know if anything further is needed. 

  Thank You, Fiserv

  Customer Answer

  Date: 02/24/2025

  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.
  
  [Please type your response here.]
  
  Regards,
  
  ******* *****-******

  Customer Answer

  Date: 02/25/2025

  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.
  
  [Please type your response here.]
  
  

  The complaint also includes the request for all missing fraudulent funds to be returned immediately. 
  

  There is $2400 missing from the card balance and the card has not been delivered. The business should return all funds totaling $8,095. 
  

  
  Regards,
  
  ******* *****-******

  Business Response

  Date: 02/26/2025

  Mr. *****-******,

  If you believe there were fraudulent transactions on your card, a dispute will need to be filed for review. Please contact Money Network **************** a request to file a dispute for any unauthorized transactions. 

  Thank you, Fiserv

  Customer Answer

  Date: 02/27/2025

  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.
  
  [Please type your response here.]
  
  A dispute form was indeed submitted. The card was never delivered to me yet somehow someone was able to activate and withdraw funds upward $2400 of my maternity state benefits.

  It is your responsibility to ensure my state benefits are issued safely and securely, therefore please resolve my dispute issue  within the 10 days, I submitted the form on 2/22/25. I will continue to reject until my refund is fully reimbursed.

  Regards,
  
  ******* *****-******

• Initial Complaint

  Date:02/19/2025

  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.

  This complaint concerns MoneyPass, a business of Fiserv. On 2-19-25, I visited ******************************, finding an ATM of ****************************************** listed as "surcharge free." I subsequently went to the location, expecting to withdraw $600 for free. But, after looking at my receipt, I saw an ATM surcharge of $4. ****************************** had misled me.

  Business Response

  Date: 02/21/2025

  Mr. ********,

  Thank you for bringing the stated concerns to our attention. 

  Money Pass ***s are available for no surcharge to Money Network cardholders. We are unable to locate an active Money Network card under your name, address or email. As such, it does not appear that this is a Money Network, surcharge free *** locator issue.

  If you are able to provide a Money Network card and/or account number used for the *** withdrawal, we would be happy to research further for you. 

  Thank You, Fiserv

  Customer Answer

  Date: 02/21/2025

  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.

  My card is a Direct Express Mastercard, issued by Comerica Bank.  ************.

  Direct Express' website shows that Money Pass ATMs are free for holders of a Direct Express MasterCard.  Please see link that follows.

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

   My Drect Express MasterCard ends in 2690, showing my name as ****** J. ********.  if you need more info., please ask.

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

  Business Response

  Date: 02/26/2025

  Mr. ********,

  Money Pass is used for Money Network prepaid debit cards which would show the money pass logo. The website shows **** listed for *************, we believe you would need to use their link to find the **** for the card you have. We would refer you to contact Direct Express to confirm the information on their website or ************* to find out about their surcharge fee ****. 

  The card you have is not one that would be used at the Money Pass ATM for surcharge fee withdrawals. 

  Thank You, Fiserv

  Customer Answer

  Date: 02/26/2025

  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.
  

   

  The website clearly shows that Money Pass ATMs are surcharge-free for Direct Express Mastercards.  I've also included a relevant pdf.

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

   

  Please have a supervisor intervene.

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

• Initial Complaint

  Date:02/19/2025

  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 went to this company because it was recommended by other small businesses. The reason why I had to switch from the last company I was with was because the credit card terminal was skimming money in wild amounts trying to go unnoticed. Well, fast forward 8 months later of using Clover POS, I have found that they too have been taking my money nonchalantly through the Rapid Deposit account that was set up when I initially did the set up with technical support. I have uncovered $4,562.09 of deposits that Clover POS has TAKEN BACK AFTER THE INITIAL DEPOSIT. On top of a processing fees!!! They have a glitch in their system that charges the customer AND charges the business owner. It gets better... the number of hours I have spent auditing and uncovering this fraud (which it is by stealing from the business owner) and trying to get a hold of someone in customer service, technical support and trying to talk to someone on a legality side, is absolutely asinine. I have been hung up on, yelled at, transferred to automated systems that get me nowhere (most likely on purpose), and have had to recite my incident to at least 15 different people who have been trained like robots to repeat the same thing. Not a single representative has helped me resolve this glitch in their system. Meanwhile, my customers were charged out of their accounts and the ********************** was taken out of my business. So, where did the money go? Who received that money? I was not me as the business owner. I will be filing a class action lawsuit to accompany all other businesses who have had this happen to them. I have all the documentation providing all the evidence of proof of these fraudulent transactions. My file of evidence is larger than the allotted amount here on this system.

  Business Response

  Date: 02/27/2025

  Ms. ****,

  Thank you for reaching out with the stated concerns. 

  You can email your documents to ************************************ Please reference your BBB case number ********. Notes on the account indicate you spoke with an agent who requested bank statements and per your request a manager contacted you on 2/26/25 however she was unable to reach you but did leave you a voicemail to return her call for assistance.

   

  Thank You, Fiserv

  Customer Answer

  Date: 03/04/2025

  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.
  
  I have spent hours for the past month (since 2/5/2025) to try and resolve this issue with countless representatives and numerous tickets to escalate this situation to no avail. This response is asinine considering I have not received a phone call on either of my phone numbers to this day (3/4/2025). I have sent my proof of documentation twice now and still no response to resolve this. This will become a class action lawsuit.
  
  Regards,
  
  ********* ****

  Business Response

  Date: 03/20/2025

  Ms. ****,

  Thank you for speaking with our agent to discuss the funding issue. It appears you were paid twice for some deposits resulting in a debit to retrieve the additional payment. We understand that you have removed the rapid deposit from your account. 

  We apologize for any frustration caused. As a courtesy, we have issued a credit of $250.00 to you for the inconvenience. Please allow 7-10 business days to see the deposit to your bank account. 

   

  Thank You, Fiserv