Will Bailey

Atlanta, GA

#1262 Nov 29, 2010
The electric and gas company don't use Certegy because they know who is using their services. If the check bounces they turn the gas off or they turn the electricity off. If you are not the owner, they usually collect a deposit before turning the gas or electric service on. If you are they owner, they can put a lien on your house. There is not need to have Certegy insure your checks to utilities companies or mortgage companies. Some even bill you via your bank's electronic bill pay service.

Just writing a check exposes your checking account number, bank routing number, your name, and your address. If you buy Girl Scout Cookies with a check, you are giving all of that information to the girl scout and she will pass it on to her troup leader who will give it to the regional team who will pass it on to Girl Scout accounting who will pass it on to their bank who will process it and pass it on to your bank.

The moral of the story is to stop using checks for shopping.
Marissa Garcia

Arcadia, CA

#1263 Dec 1, 2010
Just tried to cash a GOVERNMENT-ISSUED check at Walmart and was declined. That's right. They would not let me CASH a check. I got "reason #3" as my error code. I called Certegy and after verifying my check info I was told that my drivers license number does not match what they have on file for my social security number!
Who are they to tell my what ID I have on file? They're not a government agency, so I don't understand why they have the power to tell me what ID I have or not!
Toni of Washington State

Auburn, WA

#1264 Dec 5, 2010
Angela wrote:
I'm glad I'm not alone in feeling embarassed. i have written several checks to Target before and never declined. Tonight was different, called the 800 number only to become more frustrated. I guess we should all carry cash and become a target for muggers.
I have written checks to Target before, but not often because I generally use my debit card. Tonight I went to a Target on the other side of town and was denied by Certegy for a 27.19 check. I was appalled, of course. I told them that my debit card draws the money from the same account that the check does and was given some idiotic answer from a man in India. I checked the Askcertegy.com site and it said there wasn't a problem that they could see, however, if I wanted to fill out the Gold Form that should clear up all of my problems. Absolutely assinine! Certegy was part of Equifax. Maybe it's a way for Equifax or Certegy to get a statement from us of our current locations to they can sell our info to telemarkets and bill collectors.

Oh, by-the-way, I wrote two other checks tonight much larger than the one to Target. One to Michaels Arts and Crafts and the other to JoAnne's fabrics and had absolutely no problems with either store.

Toni of Washington State
Toni of Washington State

Auburn, WA

#1265 Dec 5, 2010
Morris wrote:
They are Certigy, and in DIRECT VIOLATION OF THE FAIR CREDIT ACT, this checking system are not allowed to have access to your checking account, to see if you have any funds in it. A couple of years back there was a CLASS ACTION on this matter and if Certigy is still violating this law suit civil and criminal actions can be filed and there CEO's can pay a big fine or get lock up or both. That lady lie there can see whats in your checking account and there are not allowed to see whats in your account. I should know I use to work for them 10 years because I seen the light how this company it violating every one rights under the Fair Credit Act. Another CLASS ACTION IS DO.....
So how do we start a class action suit????
Toni of Washington State

Auburn, WA

#1266 Dec 6, 2010
Morris wrote:
They are Certigy, and in DIRECT VIOLATION OF THE FAIR CREDIT ACT, this checking system are not allowed to have access to your checking account, to see if you have any funds in it. A couple of years back there was a CLASS ACTION on this matter and if Certigy is still violating this law suit civil and criminal actions can be filed and there CEO's can pay a big fine or get lock up or both. That lady lie there can see whats in your checking account and there are not allowed to see whats in your account. I should know I use to work for them 10 years because I seen the light how this company it violating every one rights under the Fair Credit Act. Another CLASS ACTION IS DO.....
Morris, you're not exactly correct.(even though I am pissed at Certegy). Say I write a check and the merchant is concerned my check won't clear. They can call my bank and give my bank the bank routing number, my account number, and ask if I have enough funds to cover the check I have written. My bank can then tell then yes I have funds or no I my funds are insufficient. The merchant cannot ask how much money I have in the bank nor can the bank lawfully give out this information.
Toni of Washington State

Auburn, WA

#1267 Dec 6, 2010
Suck it Will wrote:
I will be so happy for the day when Will Bailey will STFU.
I agree. Will Baily probably works for Certegy.
Toni of Washington State

Auburn, WA

#1268 Dec 6, 2010
lhathway wrote:
I had Certegy just come in and take money from my account when I DID HAVE ENOUGH Money in my account. They did not turn me down, they just took money from my account stating I did not have enough funds. I had been to TJ MAXX Be careful there. They will not help and they use CERTEGY. How can this be lawful.
I'm just curious. Did you fill out Certegy's Gold Application? Is that how they got money out of your account?
Toni of Washington State

Auburn, WA

#1269 Dec 6, 2010
I just reread Certegy's Gold Application. This whole thing smells of Useury(sp). I can't see how this can be legal. The way I interpret this is: You apply and are told you are now a member in good standing with Certegy's Gold Check certification. Then say something drastic happens and you find you have bounced a check at Target. Now Target get's to charge you a bounce fee, Certegy gets to charge you and bounce fee, and your bank gets to charge you a bounce fee. Why in the HELL would anyone want to give a company permission to monitor your banking transactions and take away more of your money. It's just not necessary.
Toni of Washington State

Auburn, WA

#1270 Dec 6, 2010
Will Bailey wrote:
<quoted text>
The gold membership is free and a way for Certegy to verify your identity. If you don't want them to know who you are, don't fill out the gold membership. However, don't be surprised if they don't accept your check because they can't verify your identity.
If you're worried about your personal information being given to strangers, you shouldn't be handing your checking account information to retailers anyway. Stop using checks for retail purchases.
Will Bailey you are full of it. You work for the company
Toni of Washington State

Auburn, WA

#1271 Dec 6, 2010
Jason wrote:
Everyone needs to understand that Certegy as well as Telecheck are used at EVERY retail establishment (Costco, Home Depot, Safeway, Wal-Mart, Pizza Hut, Applebees, etc). The reason you would be "flagged" for the cashier to call is if you have a: written too many checks in a short time period (6 checks in two days) at other retail establishments; b: if the dollar amount is a very high or unusual one (a check for $700 at a place like Famous Footwear); or c: if the checking account has been compromised or reported as having had recent fraudulent activity. That's it. THIS IS FOR YOUR OWN PROTECTION!!! It's nothing personal, and as the first person who posted on this stated, YOUR BANK ACCOUNT BALANCE DOESN'T MATTER, if any of these flags are triggered in the database, the cashier must call to get an approval or the customer must call Telecheck or Certegy to find out why their check has been declined. I've been in retail management for 14 years and this is nothing new. Systems are getting more advanced and it has absolutely NOTHING to do with your credit. Writing personal checks that get run through Certegy or Telecheck doesn't effect your credit at all and again, the bottom line is these companies have been put in place to both insure the checks written at these retail institutions as well as catch and stop fraudulent activity.
Your statement is all well and good, however, the stores should be able to override the stop if they can verify your identity, because you happened to be standing right in front of them with your face, photo ID and other bits of identification. Why put your valued customers through this hassle. Especially when its a high sales time of year like Black Friday for instance.

If it's not Certegy's fault, then the fault is upon the Retailers.
Toni of Washington State

Auburn, WA

#1272 Dec 6, 2010
Look but Certegy on the BBB (Better Business Bureau) website. It gives the a B+ rating. A prior class action suit against them just closed at the first of this year. I'm going to file a new complaint against both Target and Certegy with the BBB and see where that goes.
craig

El Dorado Hills, CA

#1273 Dec 10, 2010
same story tommy helfiger denied my check I will not shop at any store that uses certegy.
craig

El Dorado Hills, CA

#1274 Dec 10, 2010
Toni of Washington State wrote:
<quoted text>
Will Bailey you are full of it. You work for the company
no they want your info so they can sell it.
Donna

Virginia Beach, VA

#1275 Dec 11, 2010
I have had it happen to me twice in one week from the very same merchant. (JC Penneys) JCP's 'store' check verification is thru SCAN, they told me it was Certegy's denial. When I called Certegy, they said it was SCAN and recommended I go and write another check and see what happens. If it happens again, they told me to call back so they can do a more detailed search. If I go back to shop again and 'test' this theory, I am going to do a massive amount of shopping and NOT use another form of payment. They can reshop and void transactions.
Becky4542

Ames, IA

#1276 Dec 11, 2010
[I have also been hit by the Certegy check cashing scam. It all started a Lowe's after writing a check for $325.00. The day after, I spoke with a Corporate Representative (Todd) at Lowe's, after he called my bank and Certegy he return my call and guaranteed me I would not have a problem writing a check there again.

Thinking my name had been cleared from Certey's wacked out data base.

My husband and I too, have NEVER wrote a bad check and we have a money market checking account with a very high minimum account balance required.

Two weeks later while shopping at Younkers, Famous Footwear and Bed Bath & Beyond my checks were declined by all of them. I used my debit card which went through just fine. Which everyone knows the funds come out of you account immediately. So, if the check (was bad) how is it the funds were there for the debit card transaction? I would be all for law suits filled against this company and the stores who choosed to use this company.
DGW

Conway, SC

#1277 Dec 13, 2010
I WROTE A CHECK TO BI-LO GROCERY STORE THAT WAS DECLINED. I HAVE NOT HAD A RETURNED CHECK AND EVERY TIME I CALL CERTEGY THE MESSAGE IS TO ENTER THE CHECK NUMBER. I HAVE YET TO TALK TO A PERSON SO MY CHECKING ACCT IS DOING ME NO GOOD AS I HAVE BEEN USING ONLY MY DEBIT CARD. HOW CAN YOU GET SOMETHING STRAIGHTENED OUT WHEN YOU CAN'T TALK TO A PERSON? THERE IS A SERIOUS FLAW IN THIS SYSTEM!!!
Barbara Shaw

El Paso, TX

#1278 Dec 15, 2010
I just had this happen today. I tried to cash a government check at Wal-mart and Certegy turned me down. I don't even write checks, haven't written one in 20 years.
Debbie

Vancouver, WA

#1279 Dec 30, 2010
I sent my son, in Iowa, a money order for xmas. He went to wal mart yesterday to cash it and they said certegy declined for reason 2. So WTH is that???? Called the # they gave me and find out it's something about the check not being valid... This was a Money Gram MO. Waited on hold for over 1/2 hour, when finally talked to someone all they could do is repeat the dumb recording. My son is a college student and was depending on this to get his car running (before the engine block freezes-he's in Iowa in the middle of winter). Hopefully he can get it cashed tomorrow at the bank without paying a huge fee!!!! HOW CAN A COMPANY SELL A PRODUCT & REFUSE TO ACCEPT THAT SAME PRODUCT?????? CERTEGY SHOULD BE PUT OUT OF BUSINESS!!!!!!!!!!
Toni of Washington State

Kent, WA

#1280 Jan 1, 2011
Hi, I know you wrote this many years ago, but nothing has changed with Certegy or the businesses like TARGET that use their services. I was wondering if you were successful with your complaints? Is their a solution for this? Toni
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
totalitarian democracy

Orange, CA

#1281 Jan 22, 2011
I went to Wal-Mart to cash my check an it was denied, for unknown reason. The cashier gave me the number to that weird [secret agent], Certegy.I called them and i spoke to a unknown guy .He tried to know all my personnel info. including my immigration status.

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