FISGlobal.com / Certegy
Reviews and Complaints

IS THERE ANYWAY CERTEGY COULD BE SUED BY A CLASS ACTION ? THEY CAUSED HEARTACHE TO ME BECAUSE MY DOG DIED BECAUSE THEY DENIED MY CHECK ...AND THEY ALSO CAUSE ALOT OF EMBARRESSMENT TO ALOT OF PEOPLE ...WHAT CAN WE DO ABOUT THIS COMPANY ? astarchild518@aol.co PLEASE CONTACT ME IF ANYONE KNOWS WHAT WE CAN DO ...thank you

The Fair credit reporting act has nothing to deal with your credit report. They dont run your credit or anything. Its a consumer report on your checking history through Certegy. I can tell you right now WALMART IS NOT A BANK. They dont have to cash your checks. Your checks are subject to an approval process and if they decide to take the risk of your check. Then you should be greatful.

I was at a Publix store here in GA and was denied check writing privileges from Certegy Check Services for something that happen 4yrs ago and I do remember paying that off and now they want me to pay again. I just hope I can find my paperwork after 4yrs. I write checks all the time here at other groceries stores with no problem. I think that legal actions should be brought against this company.

I just had a check for $87.45 declined for same reason .. code 2. This is ridiculous ... I had almost $2k in my acct and this is the 3rd check I wrote at Lowes this month for deck supplies since my deck is being redone. Absolutely ridiculous. I still have no idea WHY my check was declined when I have more than enough funds. What guidelines are they referring to? Again, absolutely ridiculous, and while this isn't necessarily Lowes' fault, they do business with Certegy and that's a no-go in my book now. That on top of Lowes removing the ability for veterans to use their 10% discount online ... now, if you want the benefit of the discount you can't use it to conveniently buy online, you have to hassle your day going to the store. F them is about where I am with this.

It is time to grab this bull by the horns. After reviewing this complaint line, I now realize I have had an experience as have MANY OTHERS. Took it to the next level and filed complaint with better business bureau. They have a easy web site and would like to see everyone with these declined wrongly check issues to file complaint. Lets take back our finances.

Why was our personal checks declined at both Bed, Bath & Beyond and Target when we had over $9000 in the account? We will not shop at either of these stores again until someone can provide us with a valid explanation and formal apology. Judging from the other similar complaints, many retailers will lose a lot of business by using Certegy.

On Nov 21, 2017, I went to tjmaxx to pick-up a lay-a-way. I wrote out my check for $69.76. The clerk put the check through and told me there was a problem. she then left and went up to the front of the store. I waited over 20 minutes, as the line behind me continued to grow. The phone rings and the new trainee answered, turned to me and asked my birth date. I told him, and he relayed the info. The customers behind were getting upset and giving me disgusted looks. Finally the first clerk returned and sid my check had been denied! I told her that was impossible, and that i had never had a problem with my checks, and if she looked at the original receipt she would see I had wrote a check out when the lay-a-way was put in! She said she sa sorry. I toldher to watch this. I then pulled out my debit card for the same checking acct, used it and it was accepted. I asked why was a debit from the same acct accepted but the check denied. She replied, they could only go with the decision from"CERTEGY". Certegy caused myto endure 30 minutes of embarrasment for no reason!

I wrote a check to Dick's Sporting Good in June and the check not only cleared my account once, but cleared twice in the same day. When I noticed it while reconciling my bank statement, the bank corrected one of the checks. Two weeks later I got a letter from Certegy saying I owed them the money, plus $30. They said I had to have the bank send a statement and verification to resolve the issue. When I went to the bank the next day, I found out the check cleared again (3rd time). The bank sent the fax immediately to Certegy and then I was told by them that it could take up to two weeks because they receive so many faxes each day (doesn't that tell a business they must have a problem.) It has been another month, and there is still no resolution. I can't write checks on my account because of Certegy, and I can't resolve the issue with them because they always give me another answer as to why it isn't resolved. The latest response "it is under review" and that's been two weeks. If any CEO of a major company is reading these complaints, I would strongly encourage you to remember, "a business is known by the company it keeps" and you are ALL getting a bad reputation because of Certegy.

I recently attempted make a purchase at Macy's writing a check for $286.00. To my utter surprise, check was declined. I asked the clerk to run it again, which she did and my check was declined a second time. I asked her to call to find out what the problem was. After holding forever, a Certegy representative told her I needed to call an 800 number and that my check was declined as a "code 2". I called the 800 number an received an automated response stating that my check was declined because it did not fit their check writing patterns and it was security measure to prevent identity theft and fraud. The message further stated that the check was not declined due to any negative information in my file and that information was passed on to the merchant...blew my mind. Naturally, I wanted to speak to a "live" person. When I did finally get someone on the phone, I was told that there was nothing they could do to override their system. So I asked I am going to be declined the next time a write a check that uses Certegy and she replied that she couldn't guarantee that I wouldn't be. The practice this company uses that may decline a perfectly good check is arbitrary and egregious. The represenative admitted as much, very flippantly.

I had to endure an embarrassing moment having a check declined for no good reason. I ultimately used my check card and completed the purchase with no problem. I later bought something else in the store and wrote a check just to see what would happen and the check was accepted without a hitch. I am assuming that the amount of the check was the issue. However, even if I never write checks, when I decide I want to I should be able to for whatever amount I need to, especially as a consumer who has never had any returned check issues. I probably won't be shopping at Macy's anytime in the near future. Perhaps I won't have to since 11 of their stores nationwide are shutting down for poor sales performance.

I cashed 2 little $5.00 checks which wal-mart kept 6 dollars of it the checks were from the health dept to get my meds with then when i went to cash my social security check it was declined go figure then they proceded to tell me for 2 reasons you guys wouldn t cash it hummmm whats up with this? Sherlyn Enderlein
[protected]

Certegy Check Services has paid an unauthorized check to GoDaddy Software that was opened due to fraud that was committed upon my personal bank account as well as used for opening fraud accounts online. I do want to make a complaint to the FTC and the BBB of Florida. If Certegy does not comply and restore my file I will pursue charges as well as turn them into the Attorney General.

Certegy is a very disreputable company that sells your info as well as paying and making unauthorized charges.

Purchasing shoes at a Rockport outlet store, where I've shopped and purchased for several years. Check for $100 even was disapproved, even though there was plenty of money in the checking account. After fighting with the automated system at the number one must call, I got a human being, who apologized, acknowledged that the bank account was sufficient, but refused to approve the check. "It was out of parameters" was the explanation; this was not helpful. She said they would "send me a form to complete, to 'upgrade' me so it would not happen again." I have to say that I'm skeptical about giving these people any more information about me than they already have.

We ALL need to be sending complaints to the FTC! The more they hear from us, the more they will be inclined to look into the situation Certegy is causing.

Re: FTC Ref. No. [protected]

Thank you for recent correspondence. The Federal Trade Commission acts in the public interest to stop business practices that violate the laws it enforces. Letters from consumers and businesses are very important to the work of the Commission.

They are often the first indication of a problem in the marketplace and may provide the initial evidence to begin an investigation. The Commission does not resolve individual complaints. The Commission can, however, act when it sees a pattern of possible violations developing.

The information you have provided will be recorded in our complaint retention system. This computerized system enables us to identify questionable business practices that are generating numerous complaints and may be in violation of the law.

Thank you for providing information that may be used to develop or support Commission enforcement initiatives.

Sincerely yours,

Consumer Response Center

I wrote a check at Champs Sporting Goods in the amount of $248.00. It was declined with a Code 2 - not sufficient information on the check. My name, address, phone #, bank account #, bank routing # are all printed on the check, so that is BS. The clerk at Champs was very curt and rude and didn't want to give me the name of the company (Certegy) who denied my check. I kept pushing and told him it was law that he had to provide me the name of the company who denied my check. I will be calling Champs in the morning and giving them an earful. I have spent ALOT of money in the past there and was embarassed to say the least. I will not go back to Champs.

I went to the AT&T store with my son to purchase a cell phone and he was approved though AT&T for a phone plan. We went to write the check and was denied. I talked with people from this company and the first person disconnected me after telling me that we have an insuffient check writing profile. When I got to talk to the second person after calling back they told me that the store had recently had some fradulent activity and that there was nothing wrong with my account and it was a problem with the store. I was also told that even though we had the money the manager couldn't override the denial but we could return to the store tomorrow to see if the check would be approved. I finally got tired of hearing about different ways to solve this problem of being denied is by filing out some paperwork that they are going to be sending and sending it back to them that we'll never be denied like this again.

To say the least this company does not impress me and even less after reading what others have said about them. There has to be something that can be done about such a company I can picture this company making alot of people feel bad and like crap because of being denied whether they have money or not.

I live in Bowling Green, Ky and went to by my children shoes at finish line. I have bought all thier shoes from this store for th last 4 years and usually use my debt card. This one time I could't find my card so I wrote a check. To my astonishment it was turned down for a Code 2/ which states on the paper I was given: although no unpaid chesck information is on file, certegy did not have sufficent information to approve this trasaction. I was so embarrassed, their was a line of people behind me when this employee announced that they couldnt take my check. I had plenty of money in my account to cover this check and I would like to know why I have to fill out a 4-5 page questionare from this company so they can approve for a company to take my check. I am glad to know that in the difficult time that our economy is in that certain companies can afford to have a company like Certegy representing them on who they should take a check from. Maybe these companies need to invest in another check service.

I don't like this company at all. I need more information about the CEO, President, etc. at Certegy.

I paid a insufficent check the 2nd week that the check was returned . Check fax reported to Certegy that balance was paid in full on December 30, 2008. I called Checkfax every month and they told me the same thing. I requested that checkfax resend the information to Certegy to clear my name, and letter from Checkfax explaining they have cleared the check. Check fax resubmitted in April 28, 2009 for the second time. I contacted Certegy they haven't received anything. This has now been going on for 6 months straight! I need to contact the someone other than a manager. Does anyone have additional information or contact other than the general numbers.

I live in Warren, Michigan and I was on my way to work when I stopped at Value Center Market to purchase a few groceries. I got to the store before they opened, waited outside for 20 minutes, went in and picked up a few things. As I got in line to pay for my groceries ($35.52), the cashier told me my check was declined. The manager moved me to the Customer Service desk, ran my check through a second time, getting the same answer. He gave me a card and told me to call Certegy. I called them and spoke with Darion, who informed me that since I don't write checks very often (I usually use my debit card, but I didn't have it with me at that time), my check was declined. He also said that Certegy runs all checks through a "computerized system" that uses certain "patterns" to either approve/decline checks. Even though they had no negative information on me, my check "fits one of the patterns as possibly a fraudulent/bad check." I was so embarassed and was completely inconvenienced. I ended up with no lunch and was late to work. I feel if you have a good credit history and no history of writing bad checks, a company like Certegy should not decline you. I also feel that Value Center Market should be aware that Certegy is directly responsible for them losing a long time customer. I can't shop at a place where I'm never sure when/if a "good" check I write won't be honored, even though my credit is good. It's not fair to me, and I won't be shopping at Value Center Market in Warren, MI anymore!

I was turned down at a Kwik Stop gas/sundry story when buying a roll of .42 cent stamps. I wrote a $42.00 check and it was declined.
I purchased a roll of stamps using the same account 3 months prior.
The account I was using had almost $4000 in it and the money market account for the same entity had about $6000. I bank
across the street and signatures on 6 checking accounts.

After receiving your application and Googling you I don't think I trust you.

I am not sure if you actually work for that company or not but at least YOU are making some sense as to the methodology of CERTEGY! I have yet to find out what the issue is as I only write a check for my car payment. Everything else is with my debit card or cash. If in fact they have some sort of criteria for "red flag" issues, then the stores that utilize their services are involved in the embarrassment of their customers. They have a sign warning people that they charge the State allowed Bad Check Fee and the idenitification requirements, so they should put up SOME SORT of notification of either the guidelines in which a check will not be accepted (ie: history of bad checks, no/minimal history of writing checks, etc.) or better yet..LET THE CUSTOMER KNOW THAT THEY HAVE HIRED THIS COMPANY TO PERFORM THE CHECK APPROVAL PROCESS. While I may be one of those customer's standing in line on the person ahead writing a check, this knowledge will definitely help me decide which stores I will patron and what method of payment is used.

To spend the time to chase down the banks to ensure fraud has not occurred on any of my accounts, since I know for a fact that I have no RTND CKS out there, the time spent trying to get in touch with someone at Certegy so that I may have this restriction removed/cleared up as I believed it had to be a misunderstanding...since my bank verified fraud has not happened..not to mention the embarrassment of the check not being honored...the stores are a part of this problem.

What you have explained as to the arrangement between the store and Certegy and how they may be compensated for this service, may not even be known to the store manager to help calm their customer and eliminate the need to no longer shop at their store. They are not even armed with the knowledge to help save a customer.

After reading all of these posts and experiencing an occurance myself, it isn't worth my time and effort to change anything on my end since it is based on a criteria that is never sharedwith the general public. Not writing a check at Target, Walmart or any of those places is not a big deal since there is an ATM almost everywhere..but to NOT write a check at a store where Certegy services are being used so they will not get a nickel is worth the small satisfaction I will enjoy. Thanks for that explaination!

Certegy isn't checking bank balances when you are punched into the register. It's checking your drivers license number and checking account number to see if you are on a blacklist. This list is composed of anyone who has a bounced a check with any check verification company (they all work together) and a few other bad debt situations like abandoned bank accounts with negative balances. So if you arrived in a limo with President Obama and he stood up giving a thumbs up while you presented a $2.00 government check with your drivers license, the check would be declined even though the account has billions of dollars in it. These companies also flag customers for excessively large checks and multiple checks written in a short period of time. These aren't declined but are required to be called in on a telephone for approval. During this process, the name on the license is matched to the check and your bank is called for for an actual available funds inquiry.
It's easy to blame a store, but understand this... Checks are like IOU's and stores have received millions of dollars of worthless ones. Certegy charges stores a small percentage of the amount of each check written to back those checks. In other words, if a Certegy approved check bounces, they pay the store and become the new owners of the worthless paper and try to collect on it themselves. Having said this, the rules of the game are that the store can only accept checks approved by Certegy and it must be electronically approved or a manual valid approval code entered. In other words, if Certegy declines your check, the store has no possible way to complete the transaction on the register. There is no "trust me" or "take my word for it" or "I have a billion dollars in the bank" bypass for you.
Here's a tip for ya... If you have all that money in the bank, just whip out your ATM card, swipe it and be on your way. I'm sure the customers in line behind you would appreciate it as well. You'll have your stuff, the store will have it's money and everyone will be happy except Certegy whom won't make a nickel on the deal!

they are terrible i tried to cash my payroll check at a shaws supermarket and they declined it because they told me that my social security number did not match up with the check i have no idea how that possibly could happen.

one of my checks was also declined that i wrote to walgreens. when i called the 800 number for certegy, a recording informed me that i had a returned check on my records but couldn't give my any info regarding the returned check. since i rarely write checks and have not been contacted by any company about a returned check i have no idea what certegy is referring to. the nite before i paid for an item using my checking acct. and the transaction was approved so what the hell is going on?!

I completely agree because the same thing happen to us when we went to Best Buy and tried to prchase a TV for $ 426.00 and where denied by Certigy.
We could not reach a live Person either, but the recording stated that there was nothing negative on his Credit or Check writing History. So we handed the Phone to the Manager at Best Buy here in Iowa and let im listen to it.
She said unfortunately there is nothing she could do because it was not up to her to change that. We where so emberassed. The same Company Certigy also does the Business with Super Target as we went there. They approved a Check for $ 42.00 but would not approve a Check for $ 398.00.
What is wong with this Company? What standards are they going by?
MY Husband never had a bad Check out there ever and they still denied him.
We are so angry with this Company I could scream.

I would write a letter to the CEO Jeff Noddle. That is totally outrageous and you have not been treated that way.

Jeff.Noddle@Supervalu.com

I have been shopping at Kroger for twenty years, often paying by check. I got sick and became disabled. I was unable to walk and could not go to the store for a few months. When I was able to walk, I went shopping. Certegy denied my check because I had written too few checks. Certegy sucks and I will not give them anymore personal information. I simply will not shop anywhere they are used. I intend to report them to the FTC and the BBB. I doubt it will help. A class action needs to be bought against them.

8/16/08 Macy's check could not be authorized - called and they said my ID didn't match my check - it does but not on their system - they wanted me to get a copy of my driving record and send it to them so they could put in their records - I said why and they don't know no one can tell you and they don't have anyone in charge - they are all stepford wives babbling the same crap...they were Equifax in another life...wonder why they reinvented themselves...they are evil

Certegy has denied a number of my wife's checcks over the past 6 months or so, DESPITE the fact that we have an almost stainless steel clean record for checks. When she called, they told her that there was no reason for the decline other than that we fit the profile they look for, and it did not matter that we have plenty of money in our account, and have never welched on a check. This company needs to go out of business...talk about a helpless feeling! You do everything you can to keep your credit good, pay all your bills, etc etc, and then this!

Certegy has denied a number of my wife's checks over the past 6 months or so, DESPITE the fact that we have an almost stainless steel clean record for checks. When she called, they told her that there was no reason for the decline other than that we fit the profile they look for, and it did not matter that we have plenty of money in our account, and have never welched on a check. This company needs to go out of business... talk about a helpless feeling! You do everything you can to keep your credit good, pay all your bills, etc etc, and then this!

I went to our local Kmart today. I have shopped there and paid by check on numerous occasions. Until today I had never had a problem. They told me that certegy had declined my check. i called the number only to recieve an automated service, no real person to speak to at all. The only thing it said was that I was not declined because of bad check writing but instead it was due to prevenative measures for fraud. Prevenative measures my foot. When the automated service asked if I recieved enough information and I said no, they told me to apply for a gold standard and it would never happen again. Do i look stupid, you denied me for no good reason and think I am going to give you more personal information about myself. GET REAL!

I was at Craker Barrel and decided to make a surprise purchase for my husband's birthday. In order to keep it a surprise, I attemped to write a $32 check. Certegy denied my check. The next day, I contacted Cracker Barrel's Corporate Office - they gave me the contact number for Certegy - after 10 minutes on the phone with a mechanical man I finally reached a live human being. The only explaination he had for my check being denied was that they (Certegy) had not had "business" with my account before. He indicated that they were just trying to "protect me from fraud" - well and good, but a simple "I'm sorry this happened to you" would have done a great deal to make me feel more like a decent human (which I am) and less like a criminal!

My check was denied by the Certegy check clearing system at Midas. I knew there was enough money in the account to cover it and called the toll-free number to find out what a Code 2 denial meant. The lady on the phone left me on hold for another 10 minutes (after waiting 20 to get a person to begin with) to check out the situation. Turns out the check was not denied because of any bad checks or anything, but because it resembled a fraudulent check number pattern (or some stupid thing). The lady said I could upgrade to "Gold Status "and then I wouldn't have a problem cashing checks. I was too angry to think clearly as I should have asked her how much this "status" would cost me. I asked her if her company was legitimate? If this was a scam? She assured me it wasn't but I am concerned that she and the company she represents has a lot of my personal information such as license number and checking account number. I'd like to know how to proceed with a complaint against them.

I purchased a refrigerator and freezer at Home Depot. My check was denied because of the "transaction". I have enough money in my account. Certegy verified my identity by my drivers license number, name, DOB, address and account information but still refused me. This is ridicilous. How can they legally do this? I'm an honest person and could not complete my purchase do to these idiots. They should be shut down.

Tried to use checks a two different retail places and my checks were denied even though I had over $500 more in my account than the purchase price of what I was buying. After calling Certegy, they told me they couldn't give me the reason because the item/reason was already archived meaning it was that old. They said it would take 42 hours to pull the information. I told them that I wanted it sent to me in writing. That was over 2 weeks ago! Still haven't heard from them. Tonight, went to write a check from a newer account that had never had an insufficient funds and the same store would not even take a check from that account either. What's the deal! I'm soooo mad!

My husband and I went to TARGET today to purchase clothes and some things for Christmas. We opened a new checking account about a month ago and unfortunately didn't have our debit cards yet due to them being sent to the wrong address. My hubby was writing the check and, per protocol gave them his drivers license (which the address on the check matches). The check was denied. We have NEVER had a check denied by any other retailer. Keep in mind, my hubby just got home from the Navy and lived off of a debit card for 4 years. He never even USED checks in the military or ever had a bounced one in his life for that matter. Anyway, I called Certegy and asked what the problem was. They told me that he fit the "profile" of a person that would bounce a check. Keep in mind, we have over $8000 in the account! This whole situation is preposterous! I was embarrassed and very very furious! We needed diapers for our baby and other things for him. I can understand if we had bounced a check previously, or even if they verified it and the funds weren't there. However, that is not the case. A computer decided if we were worthy enough to write a check and obviously we aren't. I will not boycott Target because I do love the store. I do however wish that they would use a more reliable system for check verification because I can imagine that they would loose some business over this type of situation. I am filing a complaint with them and Certegy though.

I also have found myself livid... checking acct has more than enough funds, called bank, they have nothing to do with it... checks denied in past 3 weeks from Ashely furniture, Sears, JCPenney, and today Macy's... they all give me a number to call, but if I use my debit card linked to same acct... transaction goes right thru... so needlessly voiding out 4 checks, giving my driver's license number and all my personal information, which should be a part of the so called privacy act... and still the checks are denied... I finally called certegy and they told me go on line, site is secure, and fill out our gold application, which asks all kinds of personal information they don't need to know... I am more than livid and just emailed the company, which will probably not respond to me...

I have never written checks before always use the check card. I went to Pick N Save to get some groceries and wrote a check and they said it was declined they could not tell me why. Called the 800 number and the lady said she was a collection agent and this was to collect a debt. I said excuse me. I am calling because my check was declined. She could not find a single thing in their system on me. Well then why the hell are they blocking my checks. I guess I will go back to using the check card and not write checks anymore. It was rather embarassing and terrible to have to put all the groceries back in the cart and have to leave. I guess in the future all people use check cards versus checks. This is a terrible company to deal with

My check to a shoe store was declined due to Certegy Check Services not insuring the shoe store payment of my check in case of insufficient funds. Later the same day, the same thing happened at my local gas station where I always fill up my car, but in this case I had to get out my credit card, which I don't like to use often, because I had already pumped my gas. Once again Cetergy was sited as the reason they would not accept my check.

So I went home and called the toll free Certegy number given to me by my gas station, to no avail. I wasted about an hour on the phone trying to talk to a human being instead of an automated menu. I got no information what so ever that gave a reason why my checks were denied. Then I googled the company and found this Complaintsboard.com website and started reading every one else's similar tales of embarrassment and inconvenience.

Next I called my bank and got a hold of a manager within seconds and told him my tale. He looked up my perfect history with the bank for almost ten years and was mystified as to why Certegy would incorrectly label me. He had me mail the information my gas station had given me, and tells me we might have to open up a new account on Monday morning. He also checked out Complaintsboard.com and read the same alarming stories I had. I don't know how this will resolve itself, but I am all ready for a class action over this erroneous company that seems to do what ever it wants without repercussion for the harm it causes. I am sending a letter to my gas station and the shoe store asking them to rethink using this company as their insurer for checks. What next to do, I'm not quite sure yet.

I work at pick n'save.
When a check is declined, it doesn't say why. The machine we put the check through simply prints "declined".

I too was a victim of Certegy. I agree why is this company allowed to tell me how I am allowed to write checks? With plenty of funds in my account to cover the $174 check I was writing to Target due to the fact that my debit card was damaged and unreadable. If Target thinks this company is doing "asset protection" they are right. They are protecting their assets by keeping them on the shelf by refusing good money!

I had two new tires put on my car today, September 3, 2009. I wrote out a check from my house account. I have a debit card on my personal account, but I wanted to pay for it out of my house account. The check was denied. I had twenty-five times the amount of the check in that account. I was embarassed. I have been trying to call the 1-800 number for Certergy since five o'clock this evening. I have spent over an hour on the phone holding on and listening to music. You can't even speak to anyone from this company. How does a company like this stay in business? And why do retailers use a company like this? Don't they check out a company before using it?

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.

I attempted to cash my check from a large business at walmart. Certegy refused to cash my check, they told me my company had to call them to verify the check was not a fraud! My company will not call certegy therefore: I cant cash my check! Certegy told me they dont have outgoing phones and can't call my company!What's a person to do?

I was just denied the ability to cash a $50 check at Publix (so I went to Kroger with no problem) even though I've written checks at Publix for the last five years. I, too, called the number but never was able to talk to a person on the phone. I have tried several times now so I guess I will transfer all my perscriptions to stores who will honor my checks (and give $25 gift cards for each transferred perscription!). If anyone does get a class action going, please contact me.

I hate Certegy! I wrote a $60.00 check for gas, somewhere that I always write checks for gas and it was declined! All they could tell me is that for that day for that store it must have fell into the "suspicious" bracket for they monitoring they were doing that day. Hmmm...must not have been suspicious 5 days ago when I wrote it!

This is the second time my check has been declined by Certegy because of my 'profile'. They state that they only have a 13 month history on me and that is not sufficient to build a valid profile. Further they stated that until they are able to build a valid profile they will continue to decline my checks. I have had the same bank account for 15 years, and have been with the same employer for over 10 years. I have had no problems until last month when the cable company started using this service. I generally write three checks a month - one for my house, one for utilities and one for cable. Everything else I do is either by debit card or electronic payment. These three add a service charge for an electronic payment, so I write them a check.
I may not be the brightest crayon in the box, but if I don't have sufficient activity to build a proper profile, and they will continue to decline my checks until I build a proper profile - how is that profile going to be compiled?!?

My check was declined even though I have never had a bounced check and I had enough money in the account. I used the check card and it worked. The customer service was an automated system that gave no reason for refusing my check.

I am on a business trip and noticed that I left my personal debit card at home. I was thrilled when I saw that Hyatt cashed checks. Certegy declined my check and the Hyatt attendant informed me that I received a code 2. He was ignorant to what a code 2 meant so I had him call Certegy back so I could investigate what a code 2 meant. I didn't understand since I had money to cover the check amount and had never had any check writing issues in the past. Certegy confirmed the facts - 1) I had money in my account and 2) I had not had check writing problems in the past. The Certegy representative, Evandney, indicated that it appeared to be unusual which is a bunch of bull$#!%.

Made a purchase at Best Buy, wrote a check and it was declined. I am a repeat customer, known in the department for purchasing the same items for my business and usually use a debit card. Didn't have it on me that day. Never had a bank problem, no return checks, no overdrafts, so I was quite upset when my check was declined. The higher ups at Best Buy were clueless. They said they valued my business but...I told them I would go across the street Circuit city, which is exactly what I did and my check was accepted there without issues. I called the number given to me for Certegy and like others, followed the voice commands and ended up with no new info. I would like to know if there is a list of businesses that use Certegy so that I can steer clear to avoid holding up lines and being made to feel like a felon writing a bad check.

Certegy declined one of my personal checks for no apparent reason. A phone call to their customer service is simply a recorder message that says there are no other options. No reason for the declination.. No other options available.

Checks from both our joint account and my wifes account were rejected by Certegy. The code for the rejection read Although no unpaid check information is on file, Certegy did not have sufficient information available to approve the transaction, or this transaction exceeded a pre-established limit. Both accounts had sufficient funds and it caused us to waste an hour having to go to the bank to obtain cash to pay for the body repair of her car.

I went to Tire Kingdom on 10/23/10 for car repairs. I went to pick up my car and pay with a check and my check was declined. When I called Centergy to find out why the representative checked and said there was no problem with the account. She said it just was not approved. She then said "is there anything else you need?" and hung up. There are more than enough funds in the account to cover the check. I am handicapped and missed a doctor's appointment that will cost me $40 dollars because I did not have my car to go. This is a vary poor way of doing business and, in the future, I will make sure that anyone I do business with does not use this company for check verification.

Happened to me while shopping.
I couldnt get my glasses that I need to drive. They'll never change and it wont get better.

Certegy is really crazy! They decline checks for NO REASON!

I have had a similar incident with Certegy. They declined a check I wrote, I have no history with bad checking writing and the funds were in my account. They indicated because of the amount and the "no history" of check writing.

They suggested I either start off by writing checks with an amount under $100.00 Or complete a form that they will send me via mail to increase my check writing amount.

What BS!

I tried to cash my federal income tax refund. They said I have cashed too many checks with them lately. The total #of checks I have cashed, is 4 checks in 2008. They have been from my 401k or mileage checks, from my work. No personal checks. I will never go to WalMart again!

I too was a victim of that awfull company. I forgot my debit card at home and so figured I would write a check. Kmart refused my $38.11 check. I was soo embarrased my 4 year old was with me and wanted a bag of chips that I could not afford since I had no cash. When I called certegy they said I had no negative information on file and my banking information was fine, but my situation was linked to frauduelent check writting situations and so I was denied. They went on to say that in the past 13 months I had not written a check through them and that my lack of check writting was probably the reason it was denied, but they offered me a free application to their gold membership. What a deal! I went to Kmart to buy holloween candy, left embarrased, went home got my card, and bought them at Smart and Final. Will never go back to Kmart again.