Certegy — violation of fact act, fair credit reporting act
I wrote a $351.00 check to Toys R Us on October 26, 2008. The check was declined by Certegy. The clerk at Toys R Us called the company and told me they had indicated the check had been declined because I had written too many checks on the account. I informed the manager that I unlimited check writing ability on the account and had only written one check on the account in the last month, something was wrong. I called Certegy at the store and was told that they couldn't tell me why I was declined. I wanted to know what it was so that I could fix it if there was an error. In violation of the FACT Act they informed me that they could not tell me what my file had on it that was flagged. As the branch manager of a community bank, familiar with the FACT act this angered me. I told them this was against the law. They continued to give me a huge run around and I recommended that they get their information straight because they were asking for a lawsuit. Furthermore, I wanted to ensure that other bank customers were not having similar problems. I have read some information now about how many other people are encountering similar problems and I do hope that Certegy faces a class action lawsuit. There is no excuse for breaking the law.
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