Prepaid card -- Problem with a purchase or transfer -- Complaint #13397969
Complaint Overview
Complaint ID: 13397969
Company: Fiserv Finxact Core
Product: Prepaid card
Sub-Product: Payroll card
Issue: Problem with a purchase or transfer
Sub-Issue: Overcharged for a purchase or transfer you did make with the card
State: Mississippi
ZIP Code: 393XX
Date Received: 2025-05-07T12:00:00-05:00
Date Sent to Company: 2025-05-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
" On XX/XX/year>, around XXXX AM, I visited XXXX XXXX. My receipt is dated XX/XX/year>, at XXXX AM, and the bill came out to {$28.00}. This amount appears to be incorrect as I believe I was overcharged for an adult dinner buffet instead of the adult lunch buffet, which should have been less expensive. I used my XXXX XXXXXXXX XXXX XXXX to pay. When I checked my card statement later, I noticed a charge for {$34.00}, which is {$5.00} more than my already inflated bill. I believe this extra charge is an unauthorized 20 % tip that I did not agree to, as I already included a tip when I signed the receipt. Later on XX/XX/year>, I contacted XXXX XXXX customer service to inquire about this overcharge and initiate a dispute. The representative informed me that I have to wait 7 days from the transaction date to file a dispute. When I asked if I could submit a copy of my receipt as evidence of the incorrect charge, the representative stated that I could not do so at this time and would have to wait the full 7 days. They also stated that this 7-day waiting period is 'common practice, ' which I find unacceptable and potentially incorrect. I requested clarification on why I couldn't submit my receipt immediately and why an extra {$5.00} was charged on top of what seems to be an incorrect initial charge for the wrong buffet. I am concerned about these unauthorized overcharges and the difficulty in immediately disputing them with XXXX XXXX. ''
Frequently Asked Questions
What is Complaint #13397969 about?
Complaint #13397969 was filed against Fiserv Finxact Core regarding Prepaid card specifically about Problem with a purchase or transfer. It was received by the CFPB on 2025-05-07T12:00:00-05:00.
How did Fiserv Finxact Core respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Prepaid card) and describe your issue in detail.
Can I see other complaints against Fiserv Finxact Core?
Yes, visit the Fiserv Finxact Core company profile at readthecomplaint.com/company/fiserv-finxact-core to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.