FISGlobal.com / Certegy review: declined checks! 620

Went to Eastern Mountain Sports to buy my wife Mother's Day gifts totaling $421. Much to my surprise my check was declined. When asked why, they said they didn't know, they go though Certegy. Furious and embarrassed I asked for the number for Certegy. Certegy said there was no reason for my denial - no bounced checks, no fraudulent activity with my license number - NOTHING! They said the model their computer system uses, calculates the risk factors and I was a high risk...WTF. Nothing to base their denial on except a computer model! Very disturbing and aggravating to say the least. I walked out of the store feeling and probably looking like a loser. THIS COMPANY NEEDS TO GO!

On 4/4/2008 I went to Staples to purchase a new copier and some other items needed for use in my company.
The amount was over 1, 000.00 and the check was checked by Certegy Check Services. Needless to say I was embarased for no good reason when the check was not approved by this company.

I asked the cashier to call the company back so I could find out why the check was not approved, and she did.

I was tossed around from one person to another, and never given a justified reason, in fact I was told that it did not have anything to do with my checking account or credit.

I repeatly asked why, when I knew that the check was ok.
Then I ask for the persons name and he refused to give it to me.
The next day I called my banker and asked her to look into it for me and she did not understand why either.

My business is rated with D & B and we have a good rating.
This was not nessary.

MY HUSBAND WENT TO OUR LOCAL WALMART TODAY IN SANFORD, NC TO CASH HIS PAYROLL CHECK FROM TYSON FOODS, INC. AND WAS DECLINED FROM CASHING IT...LAST WEEK THEY ACCEPTED IT AND THE WEEK BEFORE THEY DECLINED IT...WHAT ###! I CALLED THE TOLLFREE NUMBER THE WALMART REP. HAD GAVE TO HIM AND IT IS ABSOLUTELY IMPOSSIBLE TO GET A LIVE PERSON ON THE DAMN PHONE..THEY RECOMMEND USING THEIR WEBSITE BUT YOU MUST HAVE CHECK NUMBERS AND PRECISE DOLLAR AMOUNTS...HE ALREADY WENT SOMEPLACE ELSE TO CASH THE CHECK SO THE NUMBER ISNT AVAILABLE FOR ME TO GIVE THEM..BESIDES ITS NOT A PERSONAL CHECK..WHY DO I NEED THAT INFORMATION TO KNOW WHY THEY ARE REFUSING TO CASH IT?WE ALWAYS TRY TO USE WALMART SO WE CAN LOAD OUR PREPAID VISA FOR EMERGENCIES, ETC AT THE SAME TIME .ALL THIS IS JUST INCONVIENT ### THAT HAS NOTHING TO DO WITH MY HUSBAND OR THE COMPANY THAT WROTE THE CHECK...CERTEGY NEEDS TO BE BLACKLISTED AND REPORTED TO THE BETTER BUSINESS BUREAU- I MEAN REALLY..WHO IS BENEFITING FROM THEIR SERVICES..SURELY NOT YOUR HARD WORKING INDIVIDUAL WHO DOESN'T LIKE BANKS!

Was declined 2 checks because of large amounts. ($800 & $1100) I Had $10000.00 in bank. When I called they had my Birthdate wrong and no past history for me and were mad because i wouldnt sign up for their 'Gold' Service. Like I want to put out MORE personal information. When I asked about the info that was stolen from their former employees and used for identity theft-- I was told to use a Visa card and not checks. I did not and do not want to use Visa. It is my money and I will spend it how I want to! It makes me mad that these buisness' that use this service decide how I pay and use my own money!

I recently opened a Home Equity Line of Credit to do Home Renovations. I was at the supplier ordering the new cabinets I wanted for my kitchen, wrote a check for $1051 and Certigy DENIED the check. This a new account with more than sufficient funds and they denied the check for no apparent reason. It was embarrassing because I was with my Contractor who will be handling this work and who will also be paid from this same account. So of course he may question whether he should take a check from me to pay his fees. Who is monitoring this company, and for them to say that it is "confidential" the criteria they use to decide how they accept or not accept checks is not acceptable. I was angry and embarrassed, and something needs to be done about this company. I plan to go to my bank and discuss this with them to see if there is anything they can do about this company.

how dare you decline my check!i work my ### off and have over 4k in my checking account and i just got turned down at target for writing a check for $107.14!are you out of your damn minds?!that is the real question here!i have never in all the years that i have had a checking account ever written a bad check and i get turned down in fr5ont of a store full of people and my son!unbelievable that you dare call yourselves any sort of company!you have embarrassed a very once proud single mother that has yet to do anything negative in any sort of store.for gods sake i have even paid off piddley little hospital bills and am up to date on all my bills!how dare you pull such an emmbarrassment over on a single mother with her child standing there to watch this unfold!you are a sick company that cannot even handle the responsibility of answering a phone call but leave it upto an automated service!

I went to a Walmart to cash my payroll check from the State of California and was turned down for no reason.

Tried to write a check which I had many times to Game Stop and now after all the years of shopping there,
they will not take my check because of Certegy but the store does not why and I don't know why?
So how can I fix a problem if there is no problem. Certegy MUST BE THE CHEAPEST SERVICE
some of the stores are hiring to collect money for them I believe a I could do a better job.
So what do you do here dealing with Certegy IDIOTS.

Who does this company think they are? I have had a lot of fraud claims recently because my information was stolen along with old check books, debit cards, social security#, drivers license#, along with all the members of my households information as well. Somebody is or was writing checks and trying to cash them, they even opened an account at two banks. My credit situation is terrible right now, and on top of all this f*****g Walmart wont cash a payroll check because of my name with this crooked company called Certegy. How in the hell are they gonna deny my only way of semi-banking needs right now. I refuse to give them any information on my credit matters, I will go through a lawyer and the three reporting agencies. As far as I know, they could be ripping me off. This company should base there decision on fact not made up ### and why the hell is Walmart even affiliated with this company. Just remember Certegy pay backs a b**ch.

We all need to start petitions to have certegy removed and completely dismantled. Wal mart refused to cash a check issued by the state of Texas due to certegy. Texas don't write bad checks. certegy is a fraud.

I wrote a check at a kohls dept store off of my 30yr. Checking acct. Was small amount of 150.00 when she ran my check thru this novel came up had to call this 800 number in Florida I was livid never in my life has this happened they have all info including drivers bomber a check is cash! So I paid with a credit card and told the clerk if this is due to this store hell was coming! So after 1hr on hold ! I got to speak to someone after I gave her my life's info she started to read from some sort of book of why this may have happened well needless to say I blew my top she said oh I can put you on a VIP list I told her to destroy all the info I gave to her and she and her low life company can put that list where the sun don't shine most embarrassing situation ever for me! I will never shop at a kohls again they can go out of business like so many others by hiring these idiots I then called the manager of kohls and gave them an ear full lost a customer for life for being stupid now will report all to my bank ! Next call. If a class action suit takes place I'll gladly join!

Went to Wal-Mart today to cash tax refund check. Declined, reason was because this year's check exceeded the amount of last year's check. Are you serious, ? Because peoples income doesn't change and people don't have children? ? This is a huge hassle not to mention embarrassing.

I am furious. I was in our new dollar general store today. The debit and credit machine haven't worked all week, so I have been in there on three separate times and wrote out checks. This morning my check was declinced due to Certegy. I had just deposited $8, 000.00 in that checking account two days ago. I then took out my other checks from another bank and that too was declined due to Certegy. I called them when I got home and didn't really get an answer as to why my checks were declined. Needless to say, I will not write out checks again in the Dollar General Store. I agree that it wasn't their fault except they better get their debit machine working and get rid of Certegy !

On the 22nd of Dec 2015, I went to Walmart and purchased a Walmart Visa debt card, I then tried to deposit my 1st Social Sec. check and was told
I had been denied by their check service. When I called Certegy I was told that my check did not meet their requirements, I relies that they must turn down a lot of shady businesses without the money to cover the checks but this. Is the first time anyone has denied cashing a check from the US gov't. Walmart is a company started in theUSA but they chose to hire a check service that's not even in the states! Walmart can keep their service I will never go into their store again.

I was at a Dollar store today... A DOLLAR STORE. I left my debit card at home and I only had 22 dollars of cash on me at the time. My purchase ended up being over 30 dollars, I asked the cashier if he accepted checks, which in fact they did. As my check went through he stated, "The check declined." Whhhhattttt?!... Knowing all the while I have enough money in my checking account to buy everything in that dollar store! Turns out this Certegy company prevents potential risk to their companies? Certegy, you just lost that company more money (that they would have received!) by declining my check and me having to take items off my order that would be under the cash amount I had on me. Are you kidding me? This company is a joke. The FAQs on your website, are a joke. The fact you don't have an email address to contact you, is a joke. I am not calling the number on your site nor mailing? you. Waste of time when the money was IN MY ACCOUNT?! Why would I have to go out of my way for this? There is no reason why my check should have been declined and this is the only time it has ever happened to me. Thank you for completely embarrassing me for no reason whatsoever and I'll thank you on behalf of that dollar store that will no longer get my business as well for using a ridiculous company like this!

I too had this happen to me just today. I was humiliated to say the least in TJ Maxx. I contacted my bank nothing wrong on my end. I contacted this company and was not given a definitive answer as to why. I am extremely upset and uncertain whether to try and write another check at this store.

Toys r Us just refused my check because of Code 2 according to Certegy. I talked to a Raquita at Certegy and she basically told me that it was because I wasn't a Certegy member. She offered me a VIP membership. No thanks. So embarrassed. My credit rating is over 800, I have never had a check bounce, i have had the same checking account for over 20 years...if they won't take my check who's check will they take?
We need to stop them.. I am making it my personal mission to get Toys R Us to fire Certegy.

I wrote a check at Dollar General On November 19, 2009. It was denied. When I called Certegy, I was told that they had a check for insufficient funds. This was not the case at all. I was denied writing a check at JC Penny's and Lowe's the same weekend. I was so embarassed. I called my bank and my account was fine. I stayed on the phone as my bank composed a fax to send Certegy. Getting through to this company is a nightmare and when you do get through they claim they never got the fax. They refuse to remove the $25 charge. The driver license is not my number and the last 4 digits of bank account is transposed. I am very frustrated that this can go in this day and time. Donna Edom

In July of 2009 I had a check declined at the Dollar General Store in my hometown. I was told to call Certergy's 1-800 number, I was told that a driver's license number was assiciated with my checking account that had a returned check. Of course, I was tiold this was taken care of. On November 23, 2009 I went to the same store, wrote a check and it was declined. Again, I call the number I was given. This time the assured me athe problem was taken care of, they even sent me letter assuring me. Today, January 2, 2010 I tried to write a check at Lowe's, AGAIN the check was denied. AGAIN, I was given the number to call. AGAIN, I have been told the problem will be taken care of and they will send it to me writing. Bet, I get the same form letter I received before.

When I called to day Certegy has no records of my previous calls, imagine that!

It seems that the whole Certergy Orgainzation is inept!

I went to Kmart last night and had two checks from two separate accounts declined. Both accounts had sufficient funds to cover the transaction and I absolutely do not have a history of writing bad checks. At Kmart I felt embarrassed to have two checks denied. I had a credit card and cash to pay for the items, but after having two checks declined for completely unknown reasons I did not want to hand over any other method of payment to have it declined too. I felt judged as a liar and cheat by the store. After calling Certegy they gave no real reason for why my checks were denied and upgraded me to VIP. Whatever that means. I'm scared to write anymore checks around town because I don't want to waste anymore time selecting items, standing in line and then having my checks denied for no reason. Certegy has labeled me a cheat in my community. I do not plan on shopping at Kmart any time soon.

My personal check for $78.71 was declined by this so-called "service" at the Dollar General Store in a very small community of which I am new home owner. There was no reason. I was lucky I had my debit card with me. Strange though the same service accepted the debit card, from the same bank & same account for the purchase. This I thought was strange. But - How dare them. I was so embarrassed & confused by this. 1) had my checking account been drained by some one, & 2) I knew there were plenty of funds in the account. So Totally Embarrassed. Naturally this created a line back up so Everyone in this little Dollar Store got to hear my check was declined - "incorrect information between my Driver License information & the check information. Oh my how fraudulent do I look now. Also note, I do not have another Dollar General Store within 30 miles to go to, so I will have to go back to this one. I called Certegy 866 # listed on the print-out given to me at the store, this turned out to be a poor imitation of an automated system but assured me, having my check declined was no fault of mine or my account just some sort of protection used For My Protection as well as the Dollar General Store - BUT here we go, the Catch to this mystery - I could enroll in Certegy Gold & I would Never have this problem again. So since my account was new & I had written like a total of 2-3 checks they jumped hoping to scare or embarrass me into signing up for this "Gold" service . It is nothing more than a "sales" slup, like the old telemarketing slup. I am now over being embarrassed & mad as hell. How dare them decline my check. I am filing a complaint with the Better Business Bureau, I will send a certified letter with copies to the Dollar General Stores National & Regional Directors, along with the store manager at the store I was in. I will probably, when I cool off think of several more to send a complaint to over this incident. I am not taking this lightly. I urge any others who have this experience with this "Certegy" company to file all the complaints they can & especially one with the BBB.

Today 01/07/11 I went to cash my paycheck at walmart, which is the same place I have been cashing my check at for the last 2yrs. Only this time my check was denied cashing due to Reason#2 from a company named Certegy Check Services. I have never experienced anything like this and was highly embarrassed. When I called the number given to contact Certegy, the automated svc didnt give me much other than it wasnt a fault of my own however I didnt meet the check cashing critieria. What type of BS is that? Okay so now my daughter has NO LUNCH MONEY and I HAVE NO BUS FARE to get to work this morning. UGH! Who the hell is this company and what is the purpose of humilianting people that has done nothing wrong.

I went to Kum and Go back in Dec 2007 to get gas and the check cleared. When I go in Jan. 2008 my check was declined. They stated that I wrote them a hot check. Gave me the number to Certegy. I called and I told them that the check had cleared my account. They told me to get a letter from my bank and a copy of the statement and have it faxed to them. My husband did all of that at the bank and the bank personnel even talked to them and told them that I have never had a check bounce. They said that it would take 5 to 7 days to clear it up. This was on Jan.21st it is still not cleared up. I can't write a check at Sears, Kmart, Petwarehouse, and Kum and Go. it is now Feb. 10th and I just found out I can't write a check a Walgreens when I just wrote one there a week ago and it was fine. This is not a very good company.

Refused to accept my check at Dollar General yesterday. My bank was nice enough to send the money to me at the store by courrier. But I cannot reach Certegy Check Services by computer or speak to anyone live by telephone to correct matters. A recording told me that they have a returned check, but I HAVE NO RETURNED CHECKS! I am older and disabled, and so very frustrated that I cannot get this error corrected due to Certegy being unavailable!

Beverley Atkin Isaac
721 W. Ogeechee St.
Sylvania, GA 30467
beverley.isaac@yahoo.com

Purchased cat food from Petsmart in Hilliard, Ohio, where I have shopped before, on 7/25/13, wrote a check in the amount of 157.34 and the check was not accepted. The store ran it through twice, at which time I wrote another check from another personal check book which went through. Upon looking at the sales receipt, I called the Certegy phone number and the recording was telling me to use my debit card, credit card or cash. When all my cash was put into my checking account that I was first trying to use, why in the world would I have any cash on me?
I finally talked to someone by the name of J.R.and nothing he told me made any sense as to why my check didn't go through as there was plenty of money in the account. Who is Certegy to decline my check and why? I do not want to have anything to do with this company who thinks they have the right to tell me when and how I can write my own personal checks with plenty of money in the account.. Who gives them this right? If it is the company like Petsmart, Walmart, Kmart or any other company I find out is affliated with Certegy Check Services, I WILL NOT shop there anymore. Carol Gaul

Went to fill my diesel truck with fuel and it was 11/08/2012 @ Murphy USA in Grand Haven, MI Paid with a check and it was denied. I called the number on the slip the gal gave to me at the pump. First time for this to happen. I purchased $110 on 10/24/2012 and no problem with check processing. CERTEGY CHECK SERVICES EVEN ADMITS THAT I HAVE GOOD CREDIT and no issues with my check. What they did want was for me to enroll in their CERTEGY GOLD program. That “might” help stop the check deny problem in the future! I would not enroll in it.

THEN 11/23/2012 was when my credit card was compromised. I believe I gave them way too much information that they could have used to hack into more info.

Anyway, yesterday at Murphy USA which by the way is next to the Walmart in Grand Haven which was 12/03/2012 I went in first to talk to the clerk and that what had happened the last time 11/08 and the clerk said go ahead and get the fuel. Told him I did not have cash or credit card for the purchase just my checking. That was okay. I thought it might be around $100 but it was only $80. Well, he informed me that the check didn’t go through. Gave me the slip to call Certegy.

I called today. No person to talk to. I really hope that my check was processed today. The money is in the bank! It was the last time!

CERTEGY IS A SCAM and I also believe it is hurting Murphy Oil USA cause their prices are low compared to other stations in the area and would like to continue to do business there HOWEVER CERTEGY IS THE PROBLEM!

I had to pick up some medicine from Walgreens in Cypress I wrote a check for $157.53, my check was declined I knew the money was in the bank. I was given a phone number to call.
I had to use a credit card for the medicine. I called the number given and reached an machine I gave my information and the machine told me my check did not meet the check writing criteria. I have never heard of this. I never could reach a human. The automated system told me I could go online to Certegy.com for more information. You can not get more information from the website. My check is written of a large bank with hundreds of branches, my check number is a large number. I have had this account for about 15 years. I had a drivers license. So what is the criteria?

I too, was a victim due to Certegy.
I know they probably don't care if their customer looses a customer, but their customer (Big Lots) lost a customer today because Certegy rejected my check. I had proper identification (D.L.) and anything else they might have wanted to prove who I am. So, in the future, I won't be shopping at Big Lots or any other company that uses Certegy. I was given a little card with a phone number and a code as to why my check was rejected. I was informed that it was for my protection to prevent fraud and etc. I was standing with people behind me and people beside me and everyone could hear that my check has been rejected. It was embarrassing and cruel.
There is a flaw with this system and it needs to be addressed and fixed.

Certegy declined my check for purchase of a new well pump at Lowe's -- I have NEVER had a check declined for any amount, check was for $688 -- enough in my account to cover this check 20X's -- I presented a credit card with a less than enough to cover the purchase available, transaction went thru -- GO FIGURE -- now I will be charged on my credit card for an overlimit fee.
I called the Certegy, they said a number of reasons could have caused it, check # being low, it was in the 6000's, my credit score -- it is in the HIGH 700 -- then they wanted all my personal info, everything needed to steal my identity -- they stated I could apply for VIP status -- NO THANK YOU
The lady couldn't even speak GOOD ENGLISH and she wants all my personal information -- I am very uncomfortable with this -- sounds like just a way to steal my identity
In the future I will ask in advance if the business I am doing business with using this company for check cashing -- I will find another business to deal with -- GOOD-BYE LOWES, GOOD-BYE HOME DEPOT AND GOOD-BYE TO ANYONE ELSE USING THIS COMPANY

I just went to Albertsons to purchase 4 $100 visa gift cards for my kids for X-mas. I don't like to carry that much cash so I wrote a check and it was declined by Certegy. I called the number and they said there was no negative information that it was just a "precautionary measure" - who are they trying to protect? It should be a simple matter of is the money available yes or no and have any bad checks been written yes or no. This crap about artificial intelligence is b.s. All the clerk has to do is check ID to prevent fraud. I write checks bigger than that all the time and there was over $3000 in my checking account at the time. I looked them up on the internet and found about their employee selling names to fraudulent marketing companies - but no info about how to submit a complaint. With all the people who have been inconvenienced and humiliated, there really should be a lawsuit - anyone know a good lawyer?

I receive a retirement check each month from Missouri Local Government Employees Retirement System and go to Wal-Mart to get it cashed at the Money Gram last month they cashed without any problem and this month they will not cash it and this has happened before and I just went somewhere else, but this is unfair

We went to cash a $75.00 check to Publix Supermarket and our check was declined. We called Certegy and actual got a live person to investigate
the problem. She said she saw nothing negative and that the store might be having transmission problems. She suggested that we try another Publx store. We did that and had the same result. Still have no idea why this happened. After reading the other complaints, we are not going to pursue it. We rarely write checks in retail stores but if it happens that we do and the same thing occurs, then we will take action.

Has Walmart became so big that it doesnt pay any attention to how a company they hire to preform a service like check approval. Certegy decline cashing my pension check from the I.A.M.National Pension Fund. Up until this I cashed all my checks at Walmart, then continue through your store to get my prescriptions filled, get groceries, pet supplies.household goods. etc. Well that just stopped. Thanks to your Certegy check services.But I did notice that a lot of your shoppers have had the very same complaints, and Walmart doesnt seem to care one way or another.I do know that I.A.M. Union is very well recognized across the United States as is the I.A.M. national pension fund, much more than your Certegy. I dont really understand why a name like Walmart would even mess with a fly by night outfit like Certegy, especially with a computer system like Walmart has on the MO. AR state line.I am a 62 yo.vet, and I have shopped at Walmart since High School., but that just STOPED.And needless to say the I.A.M. has been notified of Walmart's denial of cashing their check.

My parents all of a sudden started having checks declined by Certegy Check Services. It has happened four times in less than two weeks at Home Depot, Best Buy, Kmart and Sears. We tried calling Certegy and got the run around the first two times. The third time I spoke to a supervisor but who could not tell us why this was happening, told us it was rare and said they had been authorizing checks previously. This is just wrong. State attorney generals need to be notified... we are going to! If a bank denies you a loan, checking account, etc they have to tell you exactly what the problem is so how can Certegy do this. Please everyone contact the businesses using this company and file complaints! They think they are immune to the little guy but lots of little guys add up to quite a force. Maybe we need to boycott the stores using this company until something is done!

I attempted to pay for a purchase at K-Mart and my check was denied due to a report given by Certegy Check Services to K-Mart. At the time of the transaction, there was no information about the denial, although the clerk said it was usually due to insufficient funds. This made me feel like something was wrong with my bank account, when if fact there were plenty of funds. I wound up using my debit card from the same account, but would have preferred the security of a check.

Upon calling Certegy, I only got an automated system which told me there was no negative information about me, but my check-writing patterns were suspicious and that was why I was denied. I don't write a lot of checks for retail purchases, but I would like the option to do so and with poor information being provided to retailers from Certegy, I am not able to.

I received the letter telling me my Business Acct was among those SOLD by an employee to third, fourth and fifth parties.

You KNOW they are scamming... I live in NY and my brother got the same letter and he is in FL... I called my bank and they said to be on the safe side, I should close the account and open a new one, which I will. I only wonder how long it will be till they send another letter with THAT acct on it.

My bank also said I was the 4th one in 3 days to alert them to this and they are forwarding the info to their FRAUD department.

My advice is to let your bank know what is going on... so they can block these a-holes. I am also reporting them to the FBI for interstate FRAUD!

Your company is falsely advertising that they are able to cash federal income tax returns! 90% of the checks brought in are unreadable due to no fault of the consumer. Are you (the company) trying to do anything to fix this very big screw up on your part? I suppose no because you appear to not care about the customer! (In my opinion) This is causing hardship on the low-income individual and also their family because we are now having to go to check cashing places (which I was told to do by one of your representatives) and they charge 3% which is a considerable amount of money. I am VERY UPSET WITH YOUR COMPANY!

Certegy has just announced that 2.2 million names, along with address, telephone, bank account number, expiration date on credit cards/debit cards, and in some cases transactional information and date of birth, have been sold by an employee to at least one data broker.

Since I NEVER write checks at merchants, and rarely pay anything with a check I am most surprised to be in their database. The letter they sent me includes part of my bank account number so I know they have that information. It is of course impossible to talk to them, and their website is quite useless, unless you want to listen to the recorded press release, which answers very little. What really frosts me is they they expect ME to put fraud alerts on all three credit repositories, and suggested I put a security freeze on my credit files, which requires writing a letter to each of the three repositories. Certegy is doing nothing to explain or disclose WHERE they got the customer information that they negligently lost.

I plan to NEVER do business with any company I determine uses their services, and from now on I will be giving grocery stores phony information in order to get a customer card. I have never had a check guarantee from the grocery stores and now have a good reason never to get one, and a reason never to tell them my real name.

Here is their website:
http://www.certegy.com/

At walmart I was there to cash my work check as I always do, when the cashier told me that me that he couldnt cash the check and gave me a number to call. Upon calling the number all I got was a machine telling me that the check has been clear. So I try again and it wouldnt go thru. It was embassing to me because people was standing there waiting to so their business. I had to take it to a check cashing store that charges high rates to cash. I'm still try to take to someone at Certegy Cash Services

The first time I heard about Certegy was when they were calling me about a bounced check to a company called Wild West--apparently a web hosting company. I'd never heard of either of them. I told them, it's not my debt, I've never heard of you or them. Also the check was trying to come out of an account I had closed over a year prior. They told me to fill out an affidavit of Forgery, I did. They sent me an apology. I think it was about two years ago now. Now they're calling me again. I've got to fill out another affidavit because apparently they've lost the first one.

I just want them to go away and leave me alone and stop risking my credit!