BEWARE of Stores using Certegy Check Approval like Bed, Bath & Beyond

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Sadie

Athens, TN

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#41
Feb 25, 2007
 
Will Bailey wrote:
Actually the store has every right tell you they don't want to accept your check. Many stores don't accept checks at all. It's too risky to extend credit on a check that is so, so easily forged. If you want to be mad at someone, blame your bank. They are not doing anything to make check payments secure. You are welcome to pay with cash because it is accepted everywhere. It is legal tender for all debts, public and private. Your check is not.:) We are constantly hearing that Americans have billions of dollars of credit card debt because they are living above their means. Some of them are writing bad checks and forcing stores to get guarantees on the checks they accept, but denying credit to others who may be rich.
The services that the stores are using have access to your bank, to check on your balance. If you call your bank after hours, you will get their after hours banking service, and see that when stores use these check approval systems, you bank will say " you have one debit memo". if you put the correct number in the phone, they will tell you the date and amount. A day or two later the bank will say check number for $00 on date. So, they do have access to your bank. That is how they are protecting them selves for bounced checks. I know that because I call my bank when I get home from the store to make sure they do not charge too much. and the debit cards are not that great. Every time Wal-mart slids my card through the machine for a purchase, and I get home to check on it, they charge me twice for the same purchase, and it takes two days, to get credit (my money back).

yes, I would rather use cash, but employers (including stores) want direct deposit. And that is a pain, to have to go to the bank or ATM to get your money, I would rather be given a check and one trip to the bank.
Will Bailey

United States

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#42
Feb 25, 2007
 
Sadie wrote:
<quoted text>
The services that the stores are using have access to your bank, to check on your balance. If you call your bank after hours, you will get their after hours banking service, and see that when stores use these check approval systems, you bank will say " you have one debit memo". if you put the correct number in the phone, they will tell you the date and amount. A day or two later the bank will say check number for $00 on date. So, they do have access to your bank. That is how they are protecting them selves for bounced checks. I know that because I call my bank when I get home from the store to make sure they do not charge too much. and the debit cards are not that great. Every time Wal-mart slids my card through the machine for a purchase, and I get home to check on it, they charge me twice for the same purchase, and it takes two days, to get credit (my money back).
yes, I would rather use cash, but employers (including stores) want direct deposit. And that is a pain, to have to go to the bank or ATM to get your money, I would rather be given a check and one trip to the bank.
If you write a check at the Wal-Mart concession stand and the clerk makes a quick copy of it after you've left, they have your bank account number, your bank routing number and your signature. Usually your driver's license number and phone number too. Next they call one of those check printing services you see advertised in the Sunday paper. They give them your bank account number, your bank routing number, and their own personal address. They wait a week, and then they receive a 100 checks with your bank account information. During this week, they have been practicing copying your signature. They hope you are one of those people who keeps $30,000 in their checking account. They go to different stores or one of those online stores and start writing checks with your bank account information. Hopefully the stores do not use Certegy to check your identity. Hopefully they just verify there is money in the account listed on the check.(Your bank account.) They cash the check and money is taken out of your account. They will hit several stores in the same day because you may check your account and notice it's being drained. So, the quicker they can write checks, the more money they can get. By the time the bank figures out that someone else is taking money from your account, it's too late. The stores do not get paid because the checks were bad. It may take a week or more for them to bounce, but they will bounce after you file a claim with the bank. You checks will bounce too because all the money is gone from your account and it may take up to 10 business days for the bank to investigate the problem. Your mortgage will bounce, your car payment, etc. due to insufficient funds. All this can be avoided by using a credit card. Checks and money orders are just not safe anymore. Blame the banks for not having a way to validate checks. It's not about how much money you have in your bank account, it's whether it's really you writing the check and not a theif.
Code 2

Salt Lake City, UT

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#43
Feb 27, 2007
 
Wow, where to begin, I work for this company. First off let me say that we DO NOT process Walmart's PERSONAL checks, walmart only has us process PAYCHECKS. There for, Sandie, Certegy was not the company who made the decision to decline your check, TeleCheck is the company who runs walmarts personal checks, I apologize that you were given the wrong information on that, if you like here is Telechecks number 8003662425. Telecheck is also one of the many companies who run your checks through and turn it into an electronic debit before giving you back your voided check...waste of a check and time if you ask me.
As for the reason that we have to decline checks, we have risk patterns based upon previous fraudulent transactions received at each particular location for each particular merchant. Those declines are NOT due to your personal information or bank account information in anyway. Unfortunately checking the bank account does NOT help prevent fraudulent checks, all you need to do is get a routing and account number from any number of discarded but not properly destroyed checks, and you can simply print off your OWN checks using someone else's information. So unfortunately verifying the funds doesn't help.
This is something people need to realize, checks are NOT a guaranteed form of payment. Debit cards, Credit Cards and of course cash, as well as Cashier checks ARE guaranteed. Because cards are a DIRECT link to your account and if the funds aren't available then it will be declined.Cashiers checks are also guaranteed because when you purchase a cashiers check you pay for the amount on it aswell.
I do apologize for the actions of others disrupting your lives, but please try and remember that we are doing the best we can while still actually using paper checks instead of turning them into electronic debits and handing you the check back.
Here are some further stores we service for your list.
NTB
Target
Kohls
Staples
Macys
Dillards
Best Buy
Circuit City
Sears
Kmart
Sally's Beauty
Helzburg Diamonds
Piggly Wiggly
Albertsons
Aeropostle
Game Shop
Walgreens
Goodys
Home Depot
Radio Shack
Petsmart
Garden Ridge
Lowes
Cingular Wireless
Walmarts Paychecks
Electronics boutique
game crazy
albertsons and their substores
Price Chopper
HEB
Footlocker-regular, ladies and kids
Footaction
Famous footwear
Shoe Carnival
Netflix
BlockBuster
Holiday Gas Stations
7-11
Circle K
Bed bath and beyond
The body shop
Barnes and Noble
Ross
I could go on.......
Oh Almost forgot

Salt Lake City, UT

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#44
Feb 27, 2007
 
We service most casinos as well,
MGM
Luxor
Beau Rivage
Pala
Hard Rock
Isle of Capri
Winstar
Agua Calinte
Chinook winds....etc.
Annoyed

Wilkes Barre, PA

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#45
Feb 27, 2007
 
Add Raymour & Flanigan to the list!
They denied two seperate $11,500 checks yesterday - one personal check, one Home Equity Line of Credit Access check (issued by Bank of America.) I was told only that it was a "code 2" denial, and that it in no way reflected the amount of funds I had available or my check writing history.
Nearly an hour past closing time, a Raymour & Flanigan employee decided to call a store manager at home to get his input on the issue. They decided to accept the check "for now" so that I could keep my scheduled delivery date. I was told that they would call me in the morning if the matter could not be sorted out.
At one point, I asked if I could just use my debit card instead of a check... nope! Debit/Check cards run through Certegy as well. Goody. I have $120k in a checking/savings account, and another $150k in an untapped HELOC, and Certegy won't let me use either to pay for my furniture! What a wonderful company.
craig

Concord, CA

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#46
Mar 1, 2007
 
Michael wrote:
I wrote a check for $274 on my bank account which has $112,000 in CASH balance in it, and the check was not accepted by the Bed, Bath & Beyond store in Chandler, AZ by their check verification company "Certegy".
I was given a piece of paper that resembled a Valet Parking ticket explaining that Equifax had turned down my check. No explanation. No opportunity to talk to the Equifax/Certegy person on the phone.
They had to call because Certegy's system had been down all day and so telephoning in the information from all TWO checks they had received that day. Being close to closing time, I simply paid by Credit Card.
When I called the "deadbeat" number on the Equifax ticket, I was informed by a young lady, who I pointed out was younger than the pair of shoes I wear to funerals & weddings, she informed me that they are NOT Equifax.
They are Certigy, and in DIRECT VIOLATION OF THE FAIR CREDIT ACT, that I would NOT be provided a copy of the credit report (if any) that was used to "determine" my check would bounce.
She said that was becaue I had not received a credit turn down and she could not pull up any further information because their system was "down for maintenance". Hmmmmm.
When I pressed her like a rotten tomato, she admitted that CERTEGY's system does not actually verify if you have money in your account when they verify a check.
INSTEAD THEY USE AN ARTIFICIAL INTELLIGENCE PROGRAM TO DETERMINE IF YOU ARE WIRITING A HOT CHECK!
Yes, you read that correctly. Equifax's check verification service does NOT use their own credit records, or even use their data processing system to access your bank to verify a balance, which has been made possible for ANY vendor using an electronic verification system given last year's Banking Reform Legislation.
No, they have a better way, which is touted on their web site as if they know something everyone else does not:
a computer algorithm.
NOT SIMPLE VERIFICATION YOUR CHECK IS GOOD......"artificial intelligence".
Well, that is a good example of why companies can't manage their way out of a paper bag anymore.
Given the technology readily available today, ANY COMPANY can run a check verification service with one pimply faced geek and a few servers.
But instead, one of the THREE Credit Bureaus, who act like the keeper of the FICO scores, decides to use the least effective method possible....GUESSING!
Michael Horton, Owner
Tucson Design
Exact same thing happened to me @ Verizon. Thinking of filing a class action re their conduct.
craig

Concord, CA

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#47
Mar 1, 2007
 

Judged:

1

I haved sued Certegy in Small Claims and am awaiting the Court's decision. I may file a Class Action in the Federal Courts if my research indicates merrit and the are enough "damaged" people.candersen@aandb.com
craig

Concord, CA

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#48
Mar 1, 2007
 
Yes!
Charles wrote:
Any attornies out there want to try a CLASS ACTION law suit.Lets see if we can stop this now.
craig

Concord, CA

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#49
Mar 1, 2007
 
To the employees of Certegy et al; Saying this is a service to protect the merchants and may harm a few is like Ford when they determined their Pinto gas tank was ok as it would only cost a few lives. Good luck in court! candersen@aandb.com
Will Bailey

United States

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#50
Mar 2, 2007
 
craig wrote:
To the employees of Certegy et al; Saying this is a service to protect the merchants and may harm a few is like Ford when they determined their Pinto gas tank was ok as it would only cost a few lives. Good luck in court! candersen@aandb.com
Keep us posted on your court case. I'd like to hear what happens.
Rick

United States

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#51
Mar 3, 2007
 

Judged:

1

Get a life folks. If you have all this money in your accounts, why don't you use your pin based debit card? It is a lot faster. I am sorry you had an issue with your account and you must not be bad check writers, or you would not be writing about it. Do any of you have even a clue the beating retailers take for bad checks? I would guess not. Who do you think takes the beating for credit card losses and bad checks? It's sure as hell not your bank. The retailer does, and then you do by paying higher prices to cover those costs.
Nancy_VA

Virginia Beach, VA

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#52
Mar 7, 2007
 
Until today I had not heard of Certegy I have been going back and forth with Amazon about my $15 order that did not clear the bank. Why? Because I moved and didn't supply an update to the Amazon account. So I immediately went and updated my info. But I still get these hauty emails saying they can not send out the book until I had dealt with Certegy first. WHAT! To make matters worse, it's the book ABC's newsman Bob Woodruff's wife wrote called "In an Instant". I don't know if I want to keep my account with Amazon. I use to think they walked on water struggling and remaining in the red for serveral years and continued to work free until they became successful and in the black.
However! I have a Barnes and Noble right next door! We need to alert congress because they are right now coming down hard on credit card companies for ripping off Americans and anyone else they can with outrageous jumps in interest and over limit fees.
Amy

Lansing, MI

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#53
Mar 9, 2007
 
I think everyone should contact the Attorney Generals office and make a complaint about Certegy.
Joe C - Huntsville Al

United States

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#54
Mar 9, 2007
 
I wrote a check at a business and it was declined. I was given my slip of paper in front of the other customers. I called Certegy and they explained to me that I had written a check the day before that had not cleared my bank yet, therefore they could not clear this one. There was enough funds to easily cover both checks, however because I had a check outstanding, they could not authorize clearance. Now, I always check with the business, if they use certegy - I leave.
Will Bailey

United States

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#55
Mar 9, 2007
 
http://www.kktv.com/news/features/6/3727776.h...

Certegy Check Verification
Call For Action
Reporter: Betty Sexton

If you write checks to pay for store merchandise... Beware.
Your check could be declined... But not for the reasons you think.
It's happened to a colorado springs woman... And it's occurring to other folks across the country.
Talk about embarrassing. You're in line at the register, paying for merchandise when you're told your good check's no good. Not only won't the store accept it... You're not given a reason. You're simply handed a receipt like this... And told to call... To find out why.
Sydney Moon says... "How can you keep me from writing a check on a good bank account?
Sydney Moon prides herself for never bouncing checks and having great credit... so she was caught off guard when her checks were declined twice in two months. The first written at Home Depot was for $141.03. The second at Walgreens for $97.21.
She called the check verification company Certegy in St. Petersburg, Florida... and learned she did nothing wrong.
Sydney says... Simply i had written 3 checks the previous day... And they would not guarantee this check.
I talked to a Certegy spokesman who apologized for Sydney's problems.
He told me... she's now on V-I-P status... and shouldn't encounter any more problems.
He says less than one percent of declined checks are mistakenly turned away... but says every consumer has a traditional check-writing pattern... so if you go outside your normal boundaries... sometimes red flags are raised.
He says the goal is protecting merchants and consumers.
He says if a bad check's accepted and Certegy doesn't catch it... It has to cover the funds.
So if you like to write checks beware. Know that if you write one for an unusually large amount... or to someone new... you may get rejected... ironically, for your own sake.
The Better Business Bureau tells us... it's processed more than 450 complaints against Certegy in the last 3 years.
But Certegy says... It responds to every one.
Company officials believe that number's small when you consider they work for thousands of merchants worldwide.
Adrienne Carter

El Cajon, CA

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#56
Mar 9, 2007
 
I recently had a problem with Certegy. I live in California and my primary bank account was in another state (which I had no checks for). I decide to open an account at my local credit union. I received 5 temporary checks with my name & address preprinted on the checks. I had not yet received my debit card and I deposited my entire paycheck into the account. I had to go shopping a few days later and decided to go ahead and write a check for the items (again I had not received my debit card and it was a Sunday and the bank was not open). I presented my check and my DL and was turned down. I was given a number to call Certegy. I did just that and asked what was going on. The rep on the other end stated she could not show any negative information on my checking account so she entered my DL #. She stated that the system showed that I had 3 checks from my company outstanding. I informed her that I did not own a company and there had to be a mistake. She assured me that errors like that happen all the time and that they would remove my DL from their system. A few days passed and again, I had to purchase items and decided to write a check. Again I was declined. By this time I was more than annoyed. I called while still in the store and was told by another rep that the fraud department did an investigation and found that the checks were in fact signed by me. I informed them that I wanted copies of these so called checks with my signature and that they would be hearing from my attorney because I never worked for the company nor did I own a company bearing such name. They claim they are going to send me information to file out a fraud packet to "assist me with the matter". That I don't believe!!
Certegy Sucks

United States

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#57
Mar 11, 2007
 
I was in Wal-Mart tonight and had a paycheck that I decided to go ahead and cash in Wal-Mart because i hadn't had a chance to get to the bank to deposit it. I have cashed paychecks in Wal-Mart twice before. Well i was told that Certegy would not approve my check and given a slip with reason 2 and a number to call. I called the number 3 times and got a recording to press 1 for english. I press 1 and then there is a pause and it hangs up. Tried 3 times and all calls the same.
Henry Baturi

Cleveland, OH

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#58
Mar 14, 2007
 
My experience was no different than the others--the software used to identify characteristic behavioral signatures indicating fraud failed to understand the mathematical distinction between 'true' and 'valid.' The data was true, but the formula was invalid.
The event was not just one of many small unpleasant events that come and go in a lifetime.
But, in by 50's and never having been concerned when making a purchase if some mid-level management accident might disrupt my shopping has sadly been altered. The tragic flaw in what ought be a tremendous new corporation with an excellent future is clearly manifest. They have no contingency plan for those occasions when their system breaks. There is no flexibility, and based upon their 2005 Annual Report they see 'management adjustments' as deadly poison.
Do not bother to call (FSI) Certegy. No one in their offices has the power to approve your check even it is absolutely certain that the check valid. This is their business model, and one which almost all their major clients desire & accept. I am certain there are Training Manuals which explain the process of issuing a Receipt ID with a phone number to call, and which clearly instruct the cashier to disengage from any exchange, redirect and channel the argumentative customer to contact the Certegy number on the paper. The tactic is simple stonewalling. The number called, continues the 'cool down' period through automatic voice/keypad responses until finally an individual picks up the phone who has absolutely nothing she can do to fix the situation. It must be a horrid job. Certegy is the child of Equifax, and many over fifty remember, and so Certegy's conduct is no surprise. But, as all learn in the end: Companies that 'cheat' their 'help','cheat their 'customers.' And those that cheat their customers, cheat their help. When that realization takes place,'things fall apart.'
But for the moment Certegy should be more concerned over the Federal Trade Commission Public Workshop, April 23 & 24 in Washington, D.C.which is designed to 'explore the role of authentication processes in preventing identity theft" with special concern over "privacy concerns including issues raised with respect to data collection, use, and storage." For more contact the Federal Trade Commission though >idmworkshop@ftc.gov<. Public participation is being strongly encouraged by the FTC.
john

Fresno, CA

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#59
Mar 17, 2007
 
Same problems
I have waited a week for my part ordered from amazon.com who said it was being shipped in 6 days, and then today i received an email from amazon stating that the account??? was not approved by certegy and the item/order was canceled by amazon.
went to the web sitew and cannot even see the order.
will call certegy monday as it is now friday night late.
What a disaster because i wanted the chip for my mexico trip and find out much later that it is not even shipped and amazon has no order even now.
john
Lee In North Carolina

United States

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#60
Mar 17, 2007
 
Food Lion uses them too.I think I also heard that Eckerds and CVS use them as well.

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