FISGlobal.com / Certegy
Reviews and Complaints

Is there anything the law abiding citizens can do to get certegy out of our lives or at least be accountable to the lawful consumer. I'm am willing to participate in whatever action(s) we can take.

Certegy declines to accept my retirment checks drawn on a trust account, check the consumer complaints against them, you will discover that they will approve you if you " BUY" thier Gold check cashing pass card. They deny you based on their profile that they set up. then approve you if you buy this pass, somethings rotten in Denmark, i beleive... if not totally fraudulent here

Keep in mind that Certegy meets the FCRA definition of a consumer reporting agency. If you were declined, they must send you all the information they are storing on you that was used as a basis for the declination.

Also, upon request, Certegy must provide a free annual report upon request.

In accordance with the FCRA, you have the right to dispute information contained in their files. They must investigate and send you the results.

Recent FCRA amendments [FACTA] also allows you to dispute with the business that supplied info to Certegy, if your initial dispute was not successful.

For what i was able to find online, Certegy is sooo incompetent that they have already been sued various times; class-action lawsuit. For not being able to secure OUR information and allow crooks to get a hold of it, and then what happens? WE, that pay our bills, maintain a good credit rating/score, never have a problem with our banks; all of a sudden, have OUR private information on the hands of people that damage our entire lives!
So, now, what do Certegy do? They come up with some ###ed way of creating a verification process that makes no sense, follows NO pattern, and only serves to embarrass loyal costumers that DO HAVE FUNDS on their accounts, use original bank checks, and have never had a problem before their system was implemented.

I wonder why is that that BANKS do not have a system in place to aid stores into verifying checks. Why is that that a company that has proven NOT TO BE RELIABLE, is let to continue in business and damaging good peoples' lives? Absurd! Shameful!

Maybe it's about time for another lawsuit! For defamation, personal damage, stereotyping based on unfunded profiling, etc...

Here is a kink for the lawsuits reported by Business Week

http://investing.businessweek.com/research/stocks/private/snapshot.asp?privcapId=1151431

Key developments for Certegy Check Services, Inc.
Certegy Check Services, Inc. to Settle Class-Action Lawsuit Filed on Behalf of 8.5 Million People

03/24/2008

Certegy Check Services Inc. has offered to settle a class-action lawsuit filed on behalf of 8.5 million people whose personal data was stolen by an IT worker at the company. Certegy announced in 2007 summer that a database administrator had copied and then sold data stored in its systems. The settlement would provide free monitoring of credit records and bank accounts, plus identity theft insurance coverage. Identity theft victims also could be reimbursed for some expenses.

11/1/2007

Another class-action lawsuit has been filed against Certegy Check Services Inc. The lawsuit charges that Certegy did not adequately protect confidential personal and financial information of its clients. The suit was filed in federal court in Jacksonville. A similar suit was filed in federal court in California in August. Certegy, which provides check verification services to major retailers, said in July that a former senior database administrator stole data and sold the information to marketing firms. Certegy filed a civil suit against the former employee.
Fidelity National Information Services Inc. Sued Over Breach of Data On 8.5 Million People

08/27/2007

A California law firm has filed a class-action suit charging Fidelity National Information Services Inc. (FIS) and one of its subsidiaries with negligence in connection with a data breach that exposed personal data of as many as 8.5 million people. The lawsuit, filed in federal court in California, also accuses the Jacksonville, Fla.-based transaction proc­essor and outsourcer and its Certegy Check Services Inc. subsidiary of invasion of privacy and breach of implied contract. The suit does not seek specific damages. The complaint was filed by San Francisco-based Girard Gibbs LLP on behalf of the 8.5 million consumers.

This happened to me at walmart, I had a state issued check, never wrote a check at walmart either. Nor have I ever returned anything or bought anything from them with a bad credit card. I was embrassed as well in front of people. I called certigy and got the same information I understand not revealing how to perform fraud. But I want to know what information about me they have that says I am a fraud risk. If someone has used my identity I want to know they are not helping me out here. I think I have to right to know what kind of information somone is collecting in reference t o me. I tried another check with them and was declined also. I am the common tie between these checks and my social security number. If they ask for that why what are they doing with my Social Security number? They said there was no problem with the check and no problem with me but they could not cash the check? Um what? I asked did they look at my credit report they said no.. I asked who they get their information from I was told walmart. Why would walmart pay a third party company to tell themselves somthing they already know. Then I asked how am I supposed to cash this check since its after bank hours I have no gas or groceries. They said go some where that does not use certigy? How do I know who? This also mean that its not walmart its actually certigy that has this information. They say its somthing about patterns that relate to fraud? How is the act of cashing a check different between people all checks being cashed would be similar to fraud so everyone should be declined. I want to know how I as an individual am resembeling the act of a crook now not only am I embarresed because I am humiliated in front of the cashier and the other customer who see my face and remember it as having done somthing that I didnt do to be either a bad check writer or a crook. If your a lawyer and this is a case contact me at Transfer2box@hotmail.com.

I walked into a Cricle K by my house that i frequently visit and i happened to see money on the ground, i asked the girl who was standing by it if it was hers, she picked it up and said no; Almost imedietly the employee (behind the counter ) reached over and grabbed the money from the young ladies hand and put it under the counter, ( not in the money drawer ). Flabberghasted, i wait for the other customers to leave before i start complaining to this employee about how she just took the money that i found and pocketed it, her excuses were that the cameras can see everything i do and ill get in trouble for stealing. But what did she steal? it was almost like she knew that i caught her and she started pleading for a crime that wasnt even committed, noone stole anything, someone that night lost money, i found it, and she unjustly took it. After she grabbed it she started acting all happy like she was getting married. but then again she could've been so happy that she just banked a couple hundred dollars, so i will never go to circle K again; Also i am fighting this to the max because i'll be darned if some fat ugly trailer trash girl is gonna get that money unjustly.

I have tried twice with my payroll check. The first time they said that my payroll check "could" be put in a category that could be used in identify theft. This time they said that they don't have proper information on my company. Two months ago they cashed the payroll check. These people need to go out of business.

I completely agree with everyone here. After hearing about how Wal Mart cashes checks for $3 up to $1, 000 or so I imagined it was too good to be true. I do have a bank account but my bank closes by the time I am off work and I needed the money right away. I am only 22 years old and very limited on cash amount available. When I went into Wal Mart the lady behind the counter asked me to enter my ssn # twice and after that she said that I had gotten denied... I was hesitant to even give out my ssn #. I did not know they checked your credit... I have none or limited credit. I don't understand why that would matter if it is a PAYROLL check. Why penalize me when I worked hard for my money. Penalize the person writing the checks if they bounce or don't clear. Very much frustrating I must say.

Same thing happened to me today! I have cashed my payroll checks there for years and after an extremly bad bad day the lady looked at me and said is this your first time cashing checks here? The dumb lady behind the counter knows that it was not the case cuz I get here very time! So she said re-enter your SS again and then she smiles and gave me this little piece of paper saying We cannnot cash this check and to call certegy! What a crock of [censor]! I will never ever step foot in a Wal-Mart store again!

Worst experience i have ever had today, and i agree with you completely JennF203, wal mart, or this certegy will NEVER AGAIN get my service. I recently went into wal mart, which i find that store annoying but i have a family to feed and grocery shopping is much cheaper there usually, i have a two year old daughter and went to the money center to cash my check as i too dont get it until about 9:30pm and figured since i was there i would just cash it. Well i have cashed many checks there before and never had a problem and i work for a very BIG company with a lot of money, so obviously my check wasnt bad! As i gave them all of my information and the woman started counting money out to me this little receipt printed out that said they refused to cash my check because this company is protecting them from "fraud." Really? Okay. Whatever, so ill cash it at my bank right? Think again! This company has no placed a block on my check for five days! So maybe they should explain to my two year old daughter why she cant have diapers for the next five days, or have milk for the next five days right? (exaggeration) As far as im concerned this company has no business being a part of my life and i will make sure that they wont. Also, as i was near tears and in the checkstand with a very heavy dresser i had just purchased, my daughter fell asleep on me while i was carrying her and i couldnt put her down, the [censored] that was ringing up my groceries wouldnt even help me put them in my freaking cart, and then when i asked if i could have someone help me to my car she told me that i would have to wait 27 minutes until they came back from lunch...really? F*ck you wal mart, and Certegy!

I wish Good Morning America would expose this Certegy Service for what they are. I have no problem with someone refusing me service, but at least give me the respect as a consume in telling or explaining to me why. People, normal hard working people don't have the inclination or the knowledge behind your iron curtain Certegy to read your minds or fiddle through piles of paperwork that a company with a faceless voice. Wake up America and stop inhabiting places that refuse to give you service! IF your local wal mart won't give you the attention you were use to before they arrived in your town, leave them? It isn't that hard you know. When you need a loaf of bread, pay an extra 10 cents and go to the local small town store, if you need a pepsi, get it somewhere on your way home from work. Boy Cot those that refuse to service you. Isn't that the way our grandparents got something done ages ago? Oh wait, they had a back bone and that was a time that people actually spoke to someone instead of getting a recording or the brush off. Once we were valued customers, now you are just a number, a faceless aspect lining their pockets with your hard earned dollars. No, they don't care and won't care until you take a stand. I haven't had this happen to me, but to my son. A hard worker trying to provide for his family. Wal Mart no longer nor ever will be graced with my presence or that of my family. I think I still have a backbone enough to do that, we'll see if I matter. I doubt it, but I will get the satisfaction that Wal Mart and this Certegy won't be a part of my life. Aaaahh, that really feels amazing too.

just remember...walmart is only offering a service...they don't have to cash your check. just take it somewhere else to cash it...

I work for the US Postoffice in GA. Today, Saturday, I went to Walmart to cash my payroll check, and was denied. I have money in my account, do not write bad checks, and needless to say I've never got a bad check from the Post office.
I also called the number, no response. If my bank has no problem with my checks why does Certegy?

This company is hurting the American people. Small business can not give payroll checks to this company. They not only hurt the person but hurt small business. Look at their track record, their company has a class action suite that stoled over 8.5 million id. Great country that allows this kind of company to ruin lives. This is the class of people who have built this country. I have yet spoke to 1 person that is from the USA. Our they a real US company, I don't think so.

The same thing happened to me at Walmart last month and I got a little number when I called I could not get any information. The check was from Mutual of Omaha, I knew it was good.

My gas tank was on E and I stopped at a closer walmart than the one I do my banking at and tried to cash my payroll check and was denied, it was rush hour and the thought of running out of gas on the interstate was very scary! my pay check comes from the state! what the heck is going on with this denial? they are messing with not only humiliation but now our safety.

Three times in the last three months I have had checks declined at three different stores all which use Certegy to process checks. Each time I try to find out why, I get the same response, your transaction fits the pattern of a fraulent transaction. When pressed to explain, they refuse to tell me what that pattern is (its proprietry). Interesting fact is that when my wife writes a check on the same account at the same store, she is not declined.

Given the responses I have received from Certegy (and no help whatsoever in resolving the problem), I can only think of two reasons that they keep denying my checks:

1) Their computer algorithm is incorrect

2) They are harassing me

They deny that either is true but fail to offer anyother explanations.

Anyone know of a good lawyer? Is Certegy an example of a business that has run amok?

Dave Nickell

I tried to cash a check at Walmart a couple of days ago because I had to work during bank hours. The clerk told me that she could not cash my paycheck and that I needed to call this number to find out why. I went home and dialed the number and an automated system said that my check cashing paterns was showing signs of fraudulant behavior. I was not satisfied with this answer because I had never had any problems cashing my check there before. By the time I got a young girl from customer service on the line I was furious. She told me the same thing. I asked her for more details because I wanted to know if someone else was trying to cash checks in my name or what was going on. She said that that information was not available to the public. I cussed her out and planned on sending Certegy a NASTY letter. If that customer service girl is reading this, I'm sorry I know it's not your fault but you seriously need to find another job. If you are not going to cash someone's check at least give them details as to why. Certegy can suck a fart out of my a$$ for all I care.

With all the complaints being filed against Certegy, why are large department store chains still using them? Two days ago I had a check in the amount of $9.06 refused by Sears! My debit card was stolen and I hadn't yet received the new one. The cashier looked at me like I had just robbed the place. I had enough cash to make the purchase, but not to regain my dignity. I have yet to get an answer on why my check was refused, other than "negative information from a third party."

Solution: Stop writing checks. Use a debit or credit card, or cash. Checks are dead.

form last two months i am also suffering with customer care empolyes no response form them

Dave, I've had a similar problem with Certegy, where they neither offered explanation, nor resolution. If I am to register myself in their Gold program, then I should have no more check writing difficulties. I have a couple of problems with this. First of all, I have never committed any crime and I have no record whatsoever of writing bad checks. My phone call should have been suficient for them to see that this was true and to remove my name from their list. Secondly, as I look over their Gold membership application, there is a lot of personal information that they require, such as my employer's name, how many years I've been with the company, their phone number, and, of course they want to know my annual household income level, as well. Oh, and, by the way, it wasn't long ago that around 8.5 million people who are already registered with them had all of this information sold to marketing companies by a rogue employee of theirs. Not a very tight ship their running. But, the fact that I have been singled out by this company and don't even have the option of writing a check at places like Ross or Walmart and God knows where else, is a sort of harrassement. And why does Certegy care? It's not like I'm their customer. They just expect me to jump through their hoop or lose my check writing priveledges because they say so. Life would be simpler for me if I just comply, which is how most people think. But, instead, I'm investigating the legality of their type of harrassement and I plan on lodging every possible complaint with every possible agency.

You don't have the right to pay by check. It is not legal tender. Ask your bank. They have a debit card you can use to access funds in your checking account and the retailer will know immediately if the transaction is good. With checks, the retailer has to wait DAYS to find out if your checking account has been closed, if a stop payment has been made on the check being used, or if the account owner has reported the checks stolen. The retailer loses if there is check fraud committed and they can't afford to take a hit like that. It's best if you stop using checks and start using debit cards and credit cards. Just ask your friendly neighborhood banker.

1. USe your debit card. Nobody uses checks anymore.
2. Change banks, .

There is many stores that go through Certegy. I too, am going to try to find other stores that do not go through them...I hate them. I feel victimized by them. They are cocky with their lame, "sorry for the inconvenience" bullcrap. And they wouldn't even give me a reason why I was declined.
I filed a complaint with the BBB and am going to write some angry letters. I am planning on letting the stores know and realize there are people being judged wrongly by the system they have allowed to rule over them.
Maybe I will write to Chris Matthews...maybe someone should check them out. Obviously they are hurting the business's perhaps more than helping them. I know I am not shopping at Walmart anymore for me and my family.
If you have any ideas, I would love to hear them.

I could not agree with you more! I cash my checks at wal mart, and I work with bank of america, so i cash my checks get money orders, pay bills and by grocieries, 1 day they decline my (WORK CHECK MIND YOU) said they could not cash it and it is because it falls with in the 24 policies they have, i was like are you serious you cash them all the time and you cant today! was like are you freaking kidding me, but they told me if i come back tomorrow i can try and it will probably go thru! i ask why they ay the policy will change! I FEEL SAFE WITH THEM! DO YOU KNOW THAT THEY HAVE YOUR SS# NUMBER, ADDRESS, PHONE NUMBERS, ROUTING NUMBERS, DRIVERS LICIENCE NUMBERS, ASK YOUR SELF HOW SAFE DO YOU FEEL NOW! WAL-MART USES CERTERGY I WILL NOT GO THERE NO MORE AND NOW I CAN TAKE WALGREENS OFF NOW!

Certegy is the enemy for me, they wrote their own checks with my name and deposited in my checking to get paid $ 20 each on 2 checks that where returned one month ago it was for inssuficient funds but they did not have a right to get then selves paid like that, and also I am excluded to write check at Target, Walmart, and many more .

MAYBE THIS IS FOR THE BEST. ANYBODY THAT SHOP @ WALGREENS FOR EVERYTHING SHOULD BE GLAD THEY REFUSED THEIR CHECK. WALGREENS IS WAY TOO EXPENSIVE. I HAVE MONEY TOO BUT WOULDN'T DARE SPEND IT ON THAT EXPENSIVE MESS.

I couldn't agree with you more. I also had my checks out of sequence as I had grabbed another book of checks on a prior day and used one at another store while I was in a hurry. I also had plenty of money in the bank, no bad check writing history not to mention overdraft protection through my savings account as well. I will be filing a complaint with the BBB and not shop Walgreens!

This is unfortunate, and exactly why I don't use checks anymore. They are becoming an extinct form of payment anyway. Banks are now charging for using them, thus forcing customers to use debit or credit, or *GASP* cash. Not to be crass, but I would highly suggest using plastic. OD is not the only one using Certegy.

The reason your check was denied was not enough information, usually means you don't write a lot of checks. You used your card for most purchases.

tried to purchase a large item from Big Lots Uniontown PA & my check was DENIED. The cashier never gave me a reason, she did not know, but it did take my debit card from the same checking account with PNB. I was furious at them denying my check!
Like to know where CERTEGY gets there information? They better recheck their information, from what I see there is ALOT of complaints with this company! I still don't know what their reason for denial of my check. Have shopped in alot of different stores and was NEVER DENIED! I would like a answer as to why I was denied...

I too tried to cash a $92 Federal check at Wal-Mart here in Florida and was declined. Why are they claiming they can cash checks for $3, but don’t? I gave them 2 pieces of Government Picture I.D’s and my social security card. All they asked me was that if I use another name. I do not. Still no answers but based on everyone’s experience, Certegy Check Services must be a fraud.

THIS COMPANY IS WELL KNOWN FOR ITS PRIORS WITH REGUARDS TO SAFEGUARDING OUR PERSONAL INFO...I AM ONE OF THE MILLIONS OF PEOPLE AFFECTED BY THIER PATHETIC ATTEMPT TO RUN A BUSINESS. THANKS TO CERTEGY MUCH OF MY INFORMATION WAS GIVEN TO ILLEGALS VIA TELEMARKETING WHEN ONE OF THIER EMPLOYEES DECIDED TO SELL MY INFORMATION TO THEM...THANKS CERTEGY. YOU REALLY ARE NOT A TRUSTWORTHY BUSINESS. THANKS TO YOU I NOW HAVE SEVERAL CREDIT CARDS THAT I DIDN'T EVEN APPLY FOR AND ARE NOW ON MY CREDIT REPORT. I BLAME EQUIFAX EVEN MORE FOR HIRING A THIRD PARTY IN THE FIRST PLACE. BECAUSE OF YOU I CAN'T EVEN MOVE OUT OF WHERE I LIVE AND I LISTEN TO GUN FIRE EVERY NIGHT. BECAUSE OF YOU MY CREDIT IS DESTROYED AND OTHER THAN AN ACT OF GOD NOTHING WILL STOP ME FROM SUING THE PANTS RIGHT OFF OF YOUR WHITE COLLARD BOSSES. OH AND BY THE WAY THE LAWYERS HAVE THE PROOF. THIS COMPANY SHOULD HAVE BEEN CLOSED AND SHUT DOWN RIGHT AWAY YET YOU ARE STILL ALLOWED TO HAVE PEOPLES PERSONAL INFORMATION AND THAT RIGHT THERE SHOULD BE EVERYONES FIRST SIGN THAT WHAT HAPPENED WITH MR. SULLIVAN WILL HAPPEN AGAIN WITH SOMEONE ELSE WHO JUST WANTS TO MAKE A BUCK OFF OF UNSUSPECTING AMERICANS WHO ARE JUST TRYING TO LIVE...I HATE YOU PEOPLE!

My husband and I went to cash a check at a casino in Minnesota, when I was handed back the hundred dollar check along with a little card with certigy's number on it and was told to call them
I called and they told me there was someone who cashed a check a saturday before the saturday I tried to cash mine and it was a similar number to my check number so I used my debit card at the ATM instead. I thought nothing of this until I got a card in the mail saying certigy was under a law suite for fraud and I could be one of the victims. I'm thankful I did not confirm any information to certigy about my bank account, but they probably already had it from the casino. I wish I new the websight to check for my name . there was an article in Readers Diguest with a web sight on it, but I don't remember the web sight.

Is there a class action suit that i can join concerning certegy check services. anyone please reply. urgent
How can i stop this practice asap

I ATTEMPTED TO PAY FOR TWO FENCE BOARDS, BY CHECK AT HOME DEPOT TODAY. MY TOTAL WAS JUST OVER 5 DOLLARS. TO MY SURPRISE, MY CHECK WAS DENIED! I HAVE QUITE A BIT OF MONEY IN MY ACCOUNT, BUT, UPON CALLING CYNERGY, WAS TOLD THEY WERE ADVISED MY ACCOUNT WAS CLOSED! OF COURSE, THIS CAUSED ME GREAT CONSTERNATION, SO I IMMEDIATELY CALLED THE BANK. (I'VE HAD MY ACCOUNT THERE FOR YEARS.) THEY VERIFIED MY ACCOUNT IS STILL INTACT. HOWEVER, THIS COMPANY IS TELLING MERCHANTS THAT I'M ATTEMPTING TO CASH CHECKS ON A CLOSED ACCOUNT. HOW ARE THEY ABLE TO GET AWAY WITH THIS?

Today Nov. 14, 2009 I was told that the reason that my check was denied is because there have been a lot of fraud checks at this store lately and that my check was close to the fraud check numbers. This just did not make any since to me because my check is good and is not a bad check nor the other check. They said that it did not have to do anything with me and that I did not have any bad checks nor a bad record that it was just a thing that happens sometimes and it's their decision.
Funny thing they told me the same thing twice last year when I was shopping another store. I was embarrassed and mad. I told them that I never did have this problem before one of their own employees stole my identification/personal information and sold it to another party. Finally he said to me, 'We Will Not Accept Any Of Your Checks.'
After I hung up the phone I re - read over the letter that I received from Certegy dated July 17, 2007. One of the paragraphs said: As you might expect, the employee was terminated upon Certegy learning of his actions. Certegy promptly investigated this incident to ensure that any inconvenience experienced by you is minimized. In particular, Certegy: Implemented a fraud watch on Certegy's internal systems for those checking accounts that were impacted. MY OPINION NOW! I'm reading this like, any checks that I write to a business, and that business uses Certegy, my check is just automatically denied due to the Fraud Watch. I thought the fraud watch was suppose to help protect me from any other employee or anyone else from steeling my private information. All I've seen now that Fraud Watch is, is a label that is now on my name and my checks that go through certegy and it's like it reads, FRAUD WATCH! Oh, watch out for this check acct., it's FRAUD. Is anyone else getting this too?
This company discriminates on the innocent. Their employee raped me, I did not steal, lie, or try to cheat them. So who's innocent and who's guilty now?
Their has to be someone out there that knows about this kind of law and is willing to help.

THE CHECKING ACCOUNT I HAVE IS A LIFE INSURANCE ACCOUNT AND YOU DON'T GET A DEDIT CARD WITH THAT KIND OF AN ACCOUNT SO WHAT DO I DO IN THAT SITUATION ...I HAVE NO DEBIT CARD TO USE? MY 4 YEAR OLD DOG PASSED AWAY SUNDAY BECAUSE I TOOK HER TO AN EMERCENCY VET HOSPITAL AND MY CHECK WAS DECLINED BY CERTEGY SO I HAD TO TAKE HER HOME AND SHE PASSED AWAY IN THE MIDDLE OF THE NIGHT ...SHE NEEDED A BLOOD TRANSFUSSION ..SHE HAD HEMOLYTIC ANEMIA SO WHAT DO I DO FORGET THIS EVER HAPPENED? HOW DARE THEY DECLINE MY CHECK AND I HAVE THE FUNDS IN MY CHECKING ACCOUT TO COVER MY BILL HOW DARE THEY DO THIS TO ME AND NOW MY LITTLE PEANUT IS GONE ...I DON'T KNOW WHAT I CAN DO ABOUT THIS BUT I'M GOING TO KEEP RESEACHING UNTIL I FIND SOMETHING I CAN DO ...IF ANYONE HAS ANY IDEAS PLEASE CONTACT ME EMAIL ADDRESS IS astarchild518@aol.com THANKS

CHecks are old fashion. I have yet to see a checking account (even the free accounts) not have a debit card attached. Start using a debit card and you will have no problems. As long as you got the $$$ to cover the purchase.

I had the same experience with this company. This is what we did. We went to a store and the total purchase was $202.39, I proceed to pay with an American Express, the merchant said they do not accept it. They accepted checks, so we decided to write a check. After being denied by Certegy and being on hold for more than 45 minutes I decided to talk to a store manager. We said to the manager that he should be able to override the system, by not doing so he will lost a sale and a customer. That, the information he could obtain from us will be enough if the check became unpaid and that our state provides serious legal punishment to those who give hot checks. He proceed to accept the check. If these do not work with your merchant, please write them a letter with your story and stop buying in that store. One last comment, contact your Bank and ask them to write Certegy on your behalf. Banks should be able to provide these companies with some kind of feedback about the account holder that will allow them to take decisions on checks. Hope this helps.

In March I had some checks from a 10year closed account. The bank doesn't exist anymore. It was bought by Chase in 1998. Someone has been cashing checks with this bogus paper. It has now turned up on my credit report thanks to Certegy! If they did their homework they would see it was fraud.
Easier to tag the innocent.

I went to K-Mart today and wrote a check and was declined by Certegy. I was humiliated and felt like a fool in a line of customers. I wasn't declinded for "bad check writing", in fact I have no record of any bounced checks with any check verification companies. The automated system at Certegy stated it had something to do with my check writing pattern and that it was for my protection. REALLY? COME ON! I called back and spoke with a live operator and all she wanted to do was send me a brochure on how I can elevate my check writing abilities with them. WHAT? I write at checks at Kmart at least once a month. I have also written them at TJ Maxx and Marshalls and other places that use Certegy and have NEVER had this problem. My bank is in awe that I'd be declined for this absurdity. I was told by Certegy to use a debit card. Well, guess what? I don't always like to use it and most times it's because I've left it at home. I should be able to pay for something in any manner I please. How dare Certegy dictate what I can and can not do. How can they get away with this?

Hi, I would like to know if you have any response from anyone. My issues are identical to your. I am disabled. I would appreciate any advice i can get. Thanks, mary

I am on hold with these people as we speak. I have not been able to write checks at many of the local merchants in my area because of Certegy. I can't get any relief or response from them by phone and there is nothing on a website unless you want their services. This is an embarrassment and a huge hassel. If anyone knows of action being taken against this company, please pass it along. Thank you. Laura.

I had this same problem, I write a lot of check at Home Depot as a business, last year over $50, 000.00. Today my check was declined becasue I fit the profile for fraud. I guess I will be doing my shopping at Lows for now on if this is the way Home Depot is going to do business. They should be using local check collection companys, not some national company that will cost them money. No wonder their bottom line is not that good!