@William Sulivan: Keep in mind, there's as much CREDIT/DEBIT card fraud as there's stuff of the check variety. You're no more protected there (actually less- there's often less security involved with it than the checks. If they get your pin for any reason, you're in for a LOT of pain as they'll count it as if you, yourself had made the purchases. Don't fool yourself- security isn't in a scheme, methodology, or technology. It's in the conduct of the people using all of the above and without the users using good judgment and due diligence it's no better for them in the other space. It's only serving retailers to reduce THEIR risk with you eating all of that selfsame risk. Same thing with Certegy and the stores that use them.
They claimed that I wrote bad checks (Code 1...) on an account that has only seen one returned check that was redeemed that to my professional horse trainer (who is still my trainer...hint there?)- and that was due to a bank error that has been corrected by Chase. Past that, there's nothing on my account (which was established nearly 6 years ago as a business account when I was contract consulting...) and nothing against my drivers license in that same timeframe. Now, my EX, on the other hand, owes quite a bit of money to BofA, the State of Texas, and others for all the hot checks she wrote against our old joint account- but that was all mostly 7 years plus in the past (There's a reason she's my EX...that's part of it...sort of the straw that broke the camel's back.). So there's nothing that they really can use to have given me the code they gave me last night. And, if they're doing cross-correlation to the old accounts, they need to QUIT because they're dead, long since so- and I'm not liable for the damn things as I wasn't the one who wrote the checks in the first place. Do you want to know the kicker of it all? The same place accepted a check from me for a similar hunting cam all of two months prior. Certegy's a fraud and the consumers as a whole probably ought to rise up and challenge the whole lot. Since you claim it's a promissory note (which it is...) that translates into Credit Reporting. I don't think anyone's challenged them on FCRA grounds- but I think we all might just want to do it.