To whom it may concern,
My wife received a telephone call from a collections officer requesting payment for Best Buy services through the Geek Squad. We unfortunately did not get her name but the person was extremely rude to my wife demanding money for a stop payment check that was previously issued. The check was reissued to Geek Squad Agent but not recorded to our account and Certegy was not notified. I called someone from collections at Certegy and spoke with a Richard (he would not give me his last name) to explain the situation. He also was very rude and unprofessional and demanded that Certegy receive payment. I don’t know who or what Certegy is but I explained that the check was replaced to Best Buy and complained about the way we were treated. Richard terminated the phone call. I have filed a formal complaint with Best Buy for harassment.
Director, Foreign Exchange
Scotia Capital, New York
As I was reading through all the other complaints I kept wandering......why can't we do something about...
My client is a television producer who shall remain nameless, however, he lost his wallet and around the same...
I couldn't find my debit card in my purse tonight so I wrote a check from my personal account for my purchases at K-Mart. In the meantime, I found my debit card and thank goodness I did because Certegy refused my check.
My debit card, which is actually my checking account, was accepted. This was embarassing to me. I don't understand why they refused my check and I have no way to contact them. I have never had a check returned and have over $7000 in that account. This incident helped me to remember that in December of 2006, my husband wrote a check to Northern Tool for over $1500 for a go kart and Certegy refused the check when I had more than enough in the account to cover that amount. My husband put the go kart on his Master Card which was a mistake. He should not have bought anything from that company. Hope someone out there knows a solution because this is actually a bad reflection on our credit.
Yesterday I had my company's business check denied by Certegy at Best Buy. I got the same computer...
i wrote a check to k-mart 1 year ago during the holidays to and was declined , i then called the certegy...
My husband and I just moved to OKC, opened up an account with a credit union and ALWAYS HAD A POSITIVE AMOUNT in the account. Several times my husband has gone to 7-eleven for gas.He has written a check for $40.00 or $50.00. The first time of the denial, he was told he was a new customer and he had "no profile" and the company would mail him an application to fill out,but 7-eleven took his info and took his check anyway. IT CLEARED of course. The next week after still not receiving the app,my husband went back to 7-eleven wrote a check for like $51. and some change. It was denied. He told the clerk they had cleared her check last week. So the clerk called the company,they told the clerk they could take the check this time but my husband could not write it for over $50.00. ( We have a jeep,it takes more than $50.00 to fill it up with these gas prices) So the next week he went back and wrote a check for $49.00 and once again it was denied. ALL of these checks have cleared our credit union with NO reprocutions. We hate using debit cards because that information can be stolen from the computers that are swiped on. With I.D theft as it is today, that is why I like writing checks. I have proof I wrote the check. Needless to say, any business that have there system I will not use. I agree after reading all the complaints. There need to be a lawsuit filed. I will be on that list if need be, Because it is embarrassing to be in a store and be denied in front of people knowing that you have the money but nobody else knows that and after seeing you get denied, they either think of you as a criminal trying to get stuff for free by writing hot checks or they think you are needy and try to purchase the items for you as a good jesture. All because of this company's lack of business sense.
On December 4th 2007 I wrote a check at Aldo shoe store for boots. The salesclerk told me my check wa...
I had more than enough money to cover the checks I wrote. I wrote one at K-mart which was declined in the middle of the night. So I couldn't contact my bank, so I contacted the company that printed on the back of my check. Certegy, who told me that it was because my check was inappropriate in appearance. They then went on to tell me that if I wish for this to never happen again and to improve my credit history that I was to take their "Free offer" which was going to improve my credit history. That sounded like a scam, period. So I declined their offer and hung up. The next day I reported it to my bank, and my bank also said it sounded like a scam and said to watch my bank account to make sure no money was taken out of it.
So I took 70 dollars out of my checking account to go back to k-mart and buy what I was going to buy.
Later that week I went to Herbergers to buy something and it came to 105 dollars. I was also denied, at this point in time Herbergers was embarrassed about the incident because it shouldn't have happened so they tried to figure out what happened. And Certegy said that it was a code 2 decline and said nothing more to them.
So I went back to my bank, which because I reported the same thing again... I got the manager of the bank to look over my checks, my account, my account history, and everything. They said there was no reason for any of my checks to be declined, I've wrote out hundreds of checks, never once had a returned check, never once ran low on cash, and there was nothing wrong with my current checks.
Then I called Certegy again, this time I wasn't as friendly with the representative, I wasn't exactly a enraged raving lunatic... but... I wasn't taking the whole "I'm sorry for your inconvenience, but we're not going to change anything." So I asked him to tell me the truth and stop giving me the run around in a way.
They then told me that it was because I normally write out checks for 20-50 dollars and for me to write out a 70 dollar check was too high of a check to be accepted. That's when I said I've wrote out checks for 900, 700, 600, and my rent alone is 400 a month I pay in check. So what's the difference now? He had no answer, then he went on to say, well you've already had two checks against your credit so we will not accept any checks from you for awhile. That's when I went off the deep end, I'm only 19 years old, I've been trying my hardest to get credit, now this company is ruining it by declining my checks. So, I pretty much stated I'm going to have to report this incident with the BBB, and with the attorney general with my state. They pretty much stated, that there is no attorney that is going to try and fight a multimillion dollar company. And that they can refuse any check they want because it's just a piece of paper and not really legal tender(sp).
Then I asked my local District Attorney about this, and they said to report it to the sheriffs department.
I pay by check just for almost anything I purchase on the outside. Last month I went to my local Best Buy Electronics store as I was in the market for a new Laptop computer. The purchase price was well over $2000.00 and when I went to pay for it I asked if I could pay by personal check and I was informed Yes, and I had to produce my valid Drivers License. My check was accepted and I purchased was made. Now, about 3 weeks later, I returned to Best Buy to purchase some accessories for the Laptop I purchased from them an that about totaled $500.00. Now, I want to you to keep in mind, the original check I wrote for over $2000.00 had cleared and I also happen to have in my briefcase my bank statement and canceled checks. When I went to pay for the additional items that I wanted for my Laptop, my check was declined. I asked the salesperson what the problem or issue was and there answer was, we do not know and we can't assist you as this is controlled from a company called Certegy check acceptance. Well, prior to leaving the store, I asked and demanded a telephone number for this Certegy check outfit and was provided one and proceeded to call them and find out what the issue or problem was and I was told after looking on there system, after giving my valid information, that there was no problem at all and my name and reputation was spotless. So, I asked, why was my check declined...? The answer I was given is that the computer system decides whether to accept a check or not. Folks, all I can say is that stay far away from Certegy check services and Best Buy as that is the company they use. In closing, I was very embarrassed to say the least, and most of all Best Buy will never get a penny of my hard earned money ever again. Good Luck to you all.
We went to Walmart to cash my husbands payroll check and we got the classic reason # 2. Even if we had bad credit how can a payroll check from a company that we DON'T own be refused when they have the available funds THIS COMPANY SUCKS!! And the cashiers at Walmart they are idiots too!!! Nobody knew how to load a damn green dot card even thought the directions are on the card!!!
My husband and I were both recently victims of the "Certegy Idiots" . Sorry, but my blood is still boiling!
We shop at GameStop in our local town all the time and spend plenty of money there....... that is until recently. We went to purchase an XBox 360. The first check we wrote was for 303.00 and written by me, it was declined for reason "2". I thought okay this is definitely a mistake, maybe their computers are crapped out.... but no, the next day my husband went back and his check was declined as well and for the same reason. I , like everyone else was given a # to call, which consisted of a recording saying that not enough information was found, but that Certegy did show that we had no negative check writing history!!!
Hello isn't that what its all about!!! OK here it is for anyone out there wanting to know the number to actually chew out a real live person from Certegy, but believe me they will tell you the same thing!!! But at least you get your compliant in!!............. [protected]. Thats it good luck and we are all for sueing!!! btw. last July our checking account # was one of the millions sold by one of certegys employees, back in July 07!!!!!!!!!!
We received a phone call that a check written to Albertson's Grocery Store was returned marked "Unable to locate account." Through conversation with them, it was determined that the check was misrouted to a Credit Union in Memphis, Tennessee (my bank is in Florida). I spoke with Certegy regarding the error and asked them to refer to a letter written by my Bank indicating that the check in question was never submitted to them for payment and that at no time would this item have been declined as funds were available.
In the meantime, I have had checks declined at stores based on the derogatory information in their database and Certegy insists that they cannot clear my name and this erroneous record from their database for at least 24-48 hours after arranging a payment to clear the item. In addition, they claimed that if I did not pay this check through them, rather than allowing the item to be re-run and paid through the normal system, then they would never remove this derogatory information from their database. This account is used to make purchases for my business and until this is cleared up, I am out of business.
The customer service people were rude and had poor skills at dealing with people who have been erroneously labeled "deadbeats". I have written a letter to the company, with a copy to the State of Florida Public Service Commission and the FTC. I believe this is a violation of the Fair and Accurate Credit Transactions Act (FACTA) and will file any possible complaints to end this discriminatory practice related to the check clearing process.
The consumer is left out of the error resolution process with this company. The regulators should be extra diligent in their oversight of and sanctions against this company, especially in light of the breach of security that they recently experienced through theft of consumer information and the sale of that information to marketing companies.
I have had to close accounts and invest funds in new supplies because of this company. I have five business accounts and a personal account. Certegy, although it had no record of insufficient funds checks, decided that my check writing pattern was "suspicious" and began declining checks. They refused to discuss the matter with me, hanging up on my telephone calls, and refusing to answer letters. My only recourse was to close my accounts and open new ones, since they based their claims on checking account numbers and check numbers. Now I receive a letter from them whining that they have been "victimized by an employee". The histrionic, immature language used by a company who has made it very difficult for me to do business; all with no particular data to substantiate their claims; simply adds to my opinion that this is a company in need of restructuring, from the president on down.
I notified Certegy that I was closing my account and was told to send them a money order instead of directly withdrawing from my account. They withdrew anyway, my former bank paid and charged me a NFS fee. After being hung-up on by a representative, I finally spoke with a "manager" who told me to send a bank copy statement. This was in November of 2006. I have sent a certified letter and bank statement twice now and still no reimbursement. Last week I was told that I now need to submit a letter on my former bank letterhead in order to receive reimbursement of the $84.00 overcharge they still owe me. This is a horrible company to work with; very unprofessional and untrustworthy.
I received a letter from Certegy claiming that very sensitive and personal information has been lost. Thi...
Certegy sucks. With Certegy, they are only GUESSING!!! Even after supplying routing number, account number, name, etc... If they can't verify an amount in the bank, they are totally useless. I am boycotting NTB tire over this certegy company. I don't need to go into details. They did to me what they did to the other poor soul posting here.
CERTEGY is a fraud, fake, GUESSING company. They don't KNOW anything. Oh - I didn't even GET a code. And, I have plenty of $ in the bank(s).
Screw Certegy. And any store stupid enough to use their male bovine excretion services.
Hello I have an interesting situation/story. It involves Certegy a check cashing company that stores such as Walgreens, Target, Academy, Williams Sonoma hire to either let you buy their products or not. I have lived in Austin for 30 some odd years. I write checks all day long. Until this week I was denied buying things from Academy. I was given a piece of paper. When I called the number with which they gave me a got a answer that blew me away. My response was so you have flagged me and I got assurances I wasn't. On monday I went to Williams Sonoma for a wedding gift and to my surprise and once again embarrassment I was declined again. I called again and got a different excuse. Why I am writing you is I have spent the better part of today trying to clear this mess and it gets deeper into credit history reporting from one company to another (i think) where they feel they have the right to flag you as a certain type which seems to be in the gray area of nazism? I googled this company and was surprised to find out I am not alone there are MANY complaints out their with people as normal as I. I tried calling the companies that use this check policy and tried to share my assault on my account which has been tarnished and got I am so sorry but we can not... Well I've decided not to shop at these stores as there are other companies that they can use ie... Telecheck and others that are out there. The number that Academy in Katy texas gave me was a debt collector? I have none of this? I called the numbers that were given on the card when they refuse your check still no clearance of this issue. Why now? Why two times in one week? Why the same company? I worked in retail at Scarboroughs at Foleys if we had a large check we had a number to call to verify it. I cant understand why a company would not do a background check on companies that refuse a transaction that leads to #1 them not making the sale #2 bad press when the buyer is at NO fault #3 Loosing future sales.. i even called my bank as one Certegy person said maybe the bank is at fault WHAT??? I called my bank and they have had a couple of calls about this company even from a reputable fence company that banks at my bank and they had a check denied as well.
Here is the story that match mine to a T. I was flabbergasted after I read these I want to sue, I want results, I want to join a class action suit if there is one started, I want to stop this injustice as they have so done to me, I want this out in the open, I want these companies to know what they have hired to represent them!!! They have insulted me and now I live in fear that the next store I go to will do the same with out probable exact evidence that my check will bounce? I refuse to have a credit card or give anymore information this Certegy already has on me to acquire another form of payment. Its been fine for the last 48 years. I don't want them to be able to tell me where I can or can not shop, but alas its starting to be.
I was just bitten by this company as well. My story will read like many of yours so rather than repeat it, I want to make a STRONG suggestion. You can file a complaint with the Federal Trade Commission which oversees companies such as this one. They WILL respond - I just received a confirmation from them about the complaint I filed.
Go to the Federal Trade Commission website, click on Consumer Protection, click on File a Complaint. It is a bit hard to make the form accommodate what you want and need to say but it can be done. Make is businesslike and short. They may contact you for more details.
The only way that something will ever get done about them is if all of us will take the time to complain to to the governmental agency that oversees Certegy.
In addition, use word of mouth, your email address book, groups you happen to belong to, radio and tv station consumer problem helpers (many if not most have them) to get the word out. Join discussion groups, send emails and letters to national groups like AARP. Get the word out!
I went to KMart yesterday. Spent $252.81 and my check was denied. I used the debit card, that is the same as my checking account, and it worked. I called Certegy from the number printed on the back of my check, which is a bunch of automated crap, then it couldn't understand my address.
So, last night I sent e-mails to Kmart and Certegy. Kmart sent me an e-mail with no explanation, but gave me another number to call. Talked to "Jay" who seemed concerned, yet couldn't give me an explanation either. He gave me 2 more phone numbers to call. Automated again!!! Couldn't understand my address again!! So I spoke to "Jennifer" She tells me that there is nothing showing negative against me, but this is to protect the consumer as well as the Merchant and for safety reasons my check was denied. I asked what I can do to prevent this from occurring again? She said there's nothing you can do maam. I told her that I'd like for her to be standing in a checkout and have her check denied... In conclusion CERTEGY SUCKS!!! The companies using this service is going to turn customers away from their stores. They should reconsider who they use!!!