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Will Bailey

Atlanta, GA

#913 Jul 14, 2011
Greg Patrick wrote:
Will Bailey. Not all places that take checks use Certegy. So saying "Retailers would not accept checks at all" is incorrect. In the past Certegy didn't exist. I remember stores called the banks to see if you had the money in the account.
This one person went to Walmart & a grocery store. Walmart uses Certegy & grocery took telecheck
Guess where the check was accepted the grocery store without a problem. Wal-mart it was denied.
I've seen a check declined by Telecheck and accepted by Certegy. It just depends on the information on file at each company.

As far as stores calling banks to see if you have money in the account, that is not possible today. If I stole one of your checks, I could pretend to be from Acme Industries and say you presented me a check for $100,000 and ask if you have enough money in the account. If they say "no", I would ask how much you have. and create a fake check for that amount to drain your bank account. If they wouldn't tell me how much you have, I would just keep calling back with different amounts until I could figure out how much you have. I would keep monitoring your account until I determined when your paycheck was deposited so I could coordinate my fake check to get the most money. Fortunately, banks won't talk to you about any account information unless you give them personal identifying information like your zip code, SSN or last 4 digits, date of birth, mother's maiden name, etc.

Most retailers would not accept checks without a check authorization company to insure their checks because of all the check fraud.
J Vinton

Ithaca, NY

#914 Jul 27, 2011
Wow, I just put this number in and this blog came out. for the past three years, I have been a regular shopper at Target. I have written checks for about 150 generally. Always went through. Last week, my check was declined. Luckily I had cash to cover it up. Was really mad. called the number and they told me I had written more than 15 checks. IMAGINE! What does this matter? I always pay my bill. Well, Target has lost a good customer becasue I am absolutely done with them.
Joe

Loma Linda, CA

#915 Aug 13, 2011
Rich wrote:
Actually, companies like Certegy are necessary, because many merchants would not take checks at all. Checks are not a guaranteed form of payment (i.e. you are hoping it will clear, but there is no guarantee), and many merchants have lost many thousands of dollars annually accepting bad or fraudulent checks. The bank on which the account is drawn does not have to pay the check; the merchant "eats" it. Companies like Certegy, TeleCheck and others allow companies to take checks they ordinarily would not. If you shut down Certegy and TeleCheck, you will not be able to write checks at many of the places you do now.
Dude, you make absolutely no fricken sense. Ok, so comapnies won't cash checks anymore??? WTF?!?!?! So, I got rejected because I don't write checks often???? I got rejected because I don't use checks that often. That's called discrimination. I have an 833 credit score and they rejected me code 2. You're a moron and your post makes absolutely no sense.
LaShanda

Oak Ridge, TN

#916 Nov 1, 2011
My episode was at Walmart. Like many others I was told it was not because of bad checks but to prevent fraud or some such nonsense. What makes it worse it was a money gram money order. My husband purchased a money order for me at Walmart and then I was told that due to Centergy I was not able to cash that money order at the same walmart or any other walmart for that matter. I was told I could see about cashing it with another vendor, no thank you, I don't need further embarassment. I refuse to purchase another moneygram money order or make purchases where signs are posted for Centergy.
XXXXXX

West Chester, OH

#917 Nov 8, 2011
I do not wish to leave my name but they are a pain in Ohio too!! Staples, Lowes, Home depot, Big Lots just to name a few in the Dayton region stay away from or use your check card!

Since: Sep 11

Boynton Beach, FL

#918 Dec 19, 2011
It does not change. the same shams' ran the same way by the same people. The last person to find a scam is the U. S. government. Why can I find out what is going on and the authorities can not. How can I trust people who are suppose to be protecting me, but can not find a scam after they step in it?
Protest

Stephenville, TX

#919 Jan 4, 2012
Same issue as all of the above. This time with Lowes. Check refused because of Certegy. Great credit, no debt, etc. However, local business gladly accepted my check. Guess who gets my business? If you have this problem, simply don't buy at the store that uses Certegy.
Ann

Parker, CO

#920 Jan 18, 2012
My God what has happened to this country? It is pathetic that we cannot spend our own money as we choose.
Bob Cranston

Greensboro, NC

#921 Jun 21, 2012
Will Bailey is a forger and all around criminal
chris

United States

#923 Oct 23, 2012
No they don't. Walmart uses telecheck because I just came from there. Stop making shit up. Thank you.
Lester78

Nashville, TN

#924 Jun 13, 2013
A
chris wrote:
No they don't. Walmart uses telecheck because I just came from there. Stop making shit up. Thank you.
That's actually not correct either. I just had this sort of thing happen tonight. Walmart in Carrollton, Kentucky uses Certegy but Walmart in Madison, Indiana uses Telecheck. I was trying to cash a settlement check and Certegy wouldn't take it because it's larger then my last cashed check. I'm too embarrassed to even try Walmart in Madison to see if Telecheck will take it.
Certegy Violated FCRA - 2

Irvine, CA

#925 Feb 28, 2014
How in God's name is this company still operating?

http://www.ftc.gov/news-events/press-releases...
Certegy Violated FCRA - 2

Irvine, CA

#926 Feb 28, 2014
Will Bailey wrote:
Retailers would not accept checks at all since it's so easy to create a fake check. They would tell you to find another form of payment. Certegy sells their services to retailers.(BBB complaints don't really do anything because you are not the customer. The retailer is.) Their agreement is if Certegy says a check is good, they will pay the retailer immediately if a bank doesn't honor the check. The retailer pays a very small fee to Certegy for each check they approve. That is how Certegy makes money. Approving checks. If a check is declined, there is nothing to insure so the retailer pays nothing and Certegy does not get paid. The benefit for the retailer is they receive their money immediately for all check sales. Certegy loses money if a check bounces and they cannot collect the money. The retailer never loses money and provides a way for their customers to pay by check.
Bottom line, if you're going ot pay by check, you'd better bring a 2nd form of payment in case you are declined.
For those wondering why you are not given the reason for a decline, it's so a criminal won't be able to take the check to another retailer and correct the issue and pass the fake check there. If a check is declined for a wrong zip code, you don't tell the criminal to check the zip code and come back and try again.
The theory behind a company like Certegy is sound. However, Certegy is not operating as advertised. Certegy has absolutely NO INTEREST in protecting retailers against fraud because it doesn't take any of the obvious (or effective) precautions against fraud. Certegy's had a massive data breach and, more recently, got slapped by the FTC for failing to follow proper credit reporting procedures. The fact that they deny every check, even guaranteed checks, then pitch a package service to the consumer upon such denial, tells me something else is going on here. Bait and switch is too obvious--I think they're playing the long con against individuals and businesses alike.
Certegy Violated FCRA - 2

Irvine, CA

#927 Feb 28, 2014
Will Bailey wrote:
<quoted text>
I've seen a check declined by Telecheck and accepted by Certegy. It just depends on the information on file at each company.
As far as stores calling banks to see if you have money in the account, that is not possible today. If I stole one of your checks, I could pretend to be from Acme Industries and say you presented me a check for $100,000 and ask if you have enough money in the account. If they say "no", I would ask how much you have. and create a fake check for that amount to drain your bank account. If they wouldn't tell me how much you have, I would just keep calling back with different amounts until I could figure out how much you have. I would keep monitoring your account until I determined when your paycheck was deposited so I could coordinate my fake check to get the most money. Fortunately, banks won't talk to you about any account information unless you give them personal identifying information like your zip code, SSN or last 4 digits, date of birth, mother's maiden name, etc.
Most retailers would not accept checks without a check authorization company to insure their checks because of all the check fraud.
A) Retailers have access to instant check verification terminals, which process payment immediately by scanning the check. Some large retailers do utilize these (office depot) in lieu of waiting for check clearance.

B) Telecheck is operated by First Data and has its own share of complaints. It's and was also fined by FTC for the same fair credit violations as Certegy.

C) At no time do either Telecheck or Certegy actually bother to do what they advertise it is that they do. I'm frankly shocked that there weren't stiffer penalties in both cases.

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