dHolland

Denton, TX

#960 Oct 30, 2008
Just experienced total humiliation at TJ Maxx over a check for a little over $6o. When I got home, I found that the 800 # for Certegy wanted more personal info to clear up "problem". There was plenty of money to cover the check. I found another toll free on the govt complaint site for Cenergy since they are being sued..call 866-543-6315 to talk to a real person. He told me the only safe way to spend money in the US is cold, hard cash. I believe it now.
terrell ivey

Atlanta, GA

#961 Oct 31, 2008
A few days ago i had the most unusual experience at a k-mart store. my son wanted an xbox360 and i decided he worked hard to deseve it. well to make a long story short i handed the cashier a paper check from my account(which had a balance of 247,000 cash!!)and a decline notice came from a comapny know as certegy? I looked on the back of the slip of paper and called the telephome number of the back and after holding for 10 min a respresentative came on and told me that they didn't have any negative information on me but the check was declined because "they could not verify the accuracy of the information provided on the check. When asked to elaborate, she only kept repeating the exact same phrase verbatum. Not only was i embarrased, but my son was disappointed as well!! I was infuriated with so much rage i decided to go elsewhere and make the purchse with my debit card and in the process, i've destroyed all of my checks because of the experience. I say this company is to unorganized and brief in explaining themselves. I saw boycott any stores cheap enough to use these bastards because incovenience is the fastest way to lose customer and decline in business.
Debbie

Tappahannock, VA

#962 Nov 21, 2008
I went to Lowe's and they would not take my check. Watch out for this company too!!! I have never heard of Certigy until this happened.
denise p cleveland ohio

Cleveland, OH

#963 Nov 24, 2008
I am so happy yet, so sad to hear of the comments from other check writers that stood at registers across America with humiliation. I use my checking account as a way of bookkeeping and now I am being forced to do my business differently. If I can avoid those stores that are apart of the Certegy system, I will take my business elsewhere. They will not dictate the way I operate my finances.
Will Bailey

Atlanta, GA

#964 Nov 25, 2008
Or you can use a credit card and enjoy shopping everywhere.
Mike

Longmont, CO

#965 Nov 25, 2008
My wife just called and was so upset with Certegy. She wrote a check and it was denied. She did not tell me where since it was an Xmas gift but she went to the bank -- Wells Fargo - and they confirmed everything on their end is correct. They stated they have received numerous complaints from their clients having the same experience with Certegy. It appears that since Certegy will not tell you anything, the consumer runs to the bank to see what is wrong and in the end nothing they have done nor the bank has done caused the issue.

I told my wife and recommend to everyone that one way to stop this abuse and embarrasment is to simply ask for the manager at that business. Tell them since you were denied by the service Certegy that they decide to use that you WILL NOT buy anything from their store. Once everyone starts saying this they will get rid of this bad service. Simply put, boycott these stores and make it known. The embarrasment is too much to handle standing in line. Folks look at you like you are the scum of the earth and slowing them down. Enough is enough... Don't buy from these stores.
Will Bailey

Atlanta, GA

#966 Nov 25, 2008
Certegy declined your check because they could not confirm it was a good check. Wells Fargo does not provide a way to verify the check. Because of this, some good checks are declined. The business will accept your Wells Fargo debit card because it can be verified immediately. Or you can use a credit card which can also be verified immediately.

With the holidays approaching, it's best to use a credit card and enjoy your shopping experience. Tell your bank you will start using their checks again when they can be verified in real-time.
Kelly in NY

Olean, NY

#967 Dec 6, 2008
What a horrible shopping experience trying to write a check at K-Mart. In a crowded store with children in tow, I attempted to write a check for $206. The check was declined with no explanation and they gave me a # to call. So I called Certegy and got their automated idiot response system that could not look up my zip code in order for me to get a written copy explaining. After spending 45 minutes on hold, I finally got to talk to a representative who was absolutely no help. They said it was a basic security denial. Mind you I had to show my driver's license and social security card in order to even write the stupid check and all my personal info is on the check. I asked to speak to a supervisor who was even LESS helpful if you can imagine that. I was told they cannot give me a specific reason for the denial as that would violate their security process and that only the CEO's and IT people know how the system works. The lady further went on to say that in this bad economy even more checks will probably be denied as they look for fraud. So they would rather have us carry cash and get robbed I guess.....I am personally going to start boycotting ANY store that uses this service and am going to ask all those I know to do the same.
Mandy Claremont CA

Claremont, CA

#968 Dec 17, 2008
I have the same imbarrising problem when I went to Ross with my 5 year old daughter Christmas shopping, I had about 200 dollars worth of gifts and after being in the store for over 2 hours shopping I get to the register and my check is declined, my daughter started crying because she had to put the blanket I was about to buy her back not to mention everyone staring at me in the store, they were very crouded! I am all for a class action lawsuit has anyone contacted an attorney yet if not I work for a law office and will see if we have a case and how to go about persueing it.
Pissed off

Redondo Beach, CA

#969 Dec 18, 2008
I was just declined twice at Staples after trying to purchase goods for my youth program using a business account. I was not given a reason why I was being denied just that I fit a profile criteria. nevermind that my program just deposited 295 thousand into our account. I am so pissed off. I was to purchase items for our christmas party and after being told by certagy that I needed a new check I was denied again. I wanted to scream I will look like a complete useless idiot in the morning.
Brenda wrote:
Boy am I glad i am not crazy!after having my check rejected at our local Kohls I decided to check the internet. after speaking to a Kohls asst. manager and being told all the above reasons for them not accepting my check. i have a Kohls MVP card and have spent much money there. I say have as I no longer will after my experience today. but the would have gladly accepted my charge card. I think this refusal of your check is just a way to have you charge it. after all that's how they stay in business! 24% if you carry a balance. please boycott Kohls and all other stores that do this. I must say I have only ran into this at Kohls.
debbie s

Baton Rouge, LA

#970 Dec 19, 2008
I was at my local Target last night and had the same problem. I called Certegy and was told there computer algorithm is based on patterns at the store. There decision to decline your check has nothing to do with you or the amount of money in your checking account, but in PATTERNS at the store?!? I agree with other posters__BOYCOTT all store who use certegy to screw their customers.
debbie s

Baton Rouge, LA

#971 Dec 19, 2008
Will Bailey wrote:
Did your son lose any of his money? Was he ever declined using his debit card?
That's the difference. Credit cards are more secure than checks or debit cards, you get cash back, and you are protected if your card is stolen or you are not satisfied with your purchase.
when your debit card is cancelled secondary to suspicious activity and you do not use credit cards, what other resources do you have to access your funds after banking hours?
Will Bailey

Costa Rica

#972 Dec 20, 2008
debbie s wrote:
<quoted text>
when your debit card is cancelled secondary to suspicious activity and you do not use credit cards, what other resources do you have to access your funds after banking hours?
What did your bank say when you asked them that?
Ted A

Willimantic, CT

#973 Dec 23, 2008
December 23rd, 2008
I had the same experience. My wife and I had gone to Target in Dayville, Ct. to purchase Christmas items for our family. I had written a personal check for the amount of $248.74 to cover the items. The cashier informed me in front of an entire line of waiting customers that my check had been declined but had no idea why. It seems it is an excerise in futility to deal with any stores that use the assine company Certegy to verify if you are trust worthy enough to have the privelege to buy something at their store. Makes one wish some sort of federal inquiry should be made. I imagine if a high ranking official was subjected to this it would be done.
andrea darkoh

Carrollton, TX

#974 Dec 24, 2008
blue eyes wrote:
I work at certegy....any questions....just ask me! I understand all your frustrations....i'm not "for" certegy...i just work for them.
i wrote a check at kohls early inthe day and it was accepted, i then went to Burlington Coat Factory and was denied, and i asked the clerk why all she said was she did not know.
Will Bailey

Woodstock, GA

#975 Dec 26, 2008
Use a credit card or debit card and you won't have any problems.
ABC555

Saint Louis, MO

#976 Dec 26, 2008
Wed I tried to write a check and it was declined. I have never had it happen to me before.
Andi

Warren, OR

#977 Dec 26, 2008
I also had this experience, but with Target. I wrote a check for $213 for Christmas presents and was also presented with the little ticket. I got the same responses as you when I called them and finally got a hold of a human. They also refused to give me a copy of the "report". I have NEVER written a bad check in my life. I not only lef tthe store without making the purchase even though I could have used my debit card, I will never shop at Target again.
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
Andi

Warren, OR

#978 Dec 26, 2008
Some of us do not want nor use credit cards. If you want to get yourself in debt that is your business, but that is not what this forum is about. Stick to the issue or do not comment.
Will Bailey wrote:
Or you can use a credit card and enjoy shopping everywhere.
Andi

Warren, OR

#979 Dec 26, 2008
I would love to be involved in a lawsuit. Let me know what you find out.
Mandy Claremont CA wrote:
I have the same imbarrising problem when I went to Ross with my 5 year old daughter Christmas shopping, I had about 200 dollars worth of gifts and after being in the store for over 2 hours shopping I get to the register and my check is declined, my daughter started crying because she had to put the blanket I was about to buy her back not to mention everyone staring at me in the store, they were very crouded! I am all for a class action lawsuit has anyone contacted an attorney yet if not I work for a law office and will see if we have a case and how to go about persueing it.

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