BEWARE of Stores using Certegy Check ...
Gabe J

San Francisco, CA

#122 May 19, 2007
My checks were declined at Macy's for $80+ and at Radio Shack for $220+. I haven't used checks forever, but after my CC numbers were used fraudulently i don't touch them(CC). Certegy of course offered me a Gold Membership App, which I would most likely use at the bottom of my birds cage. The rep recommended an alternative of writing checks < $50 to develop a history with them, but purchases for that amount are usually cash. I had previously written checks for $600+ for 24 hour fitness and $270+ at Circuit City(which i see is on some peoples rants) without any problem. I asked to get a list of merchants that use Certegy and the rep said i could request it.
Tim Consumer

United States

#123 May 20, 2007
Check This Out: Many people stated boycotting merchants that use Certegy or a class action. It appers lawsuits are normal for this company as the most recent one was filed 3 days ago. See below
Type of Lawsuit Cause of Action
May 17, 2007
Skees et al v. Certegy Payment Regional Services, Inc., MN Schiltz Consumer Credit Fair Debt Collection Act
Plaintiff: William Harvey Skees, Marisa Ann Skees; Defendant: Certegy Payment Regional Services, Inc.,
April 26, 2007
McQueen v. Certegy Payment Recovery Services, Inc. AL Middle Watkins Consumer Credit Fair Debt Collection Act
Plaintiff: Isabell McQueen; Defendant: Certegy Payment Recovery Services, Inc.
January 12, 2007
Taylor et al v. Biometric Access Company et al TX Eastern Ward Other Statutory Actions Fed. Question
Plaintiff: Sharon Taylor, James Douglas Booker, Lowry Briley, Twilah Brown, James D Clary and others...; Defendant: Biometric Access Company, Certegy Check Services, Inc., Emaginenet Technologies, Inc., Rei Data, Inc., LML Payment Systems Corp and others...
August 4, 2006
Leibowitz v. Certegy Payment Recovery Services, Inc. et al TX Southern Ellison Consumer Credit Fair Debt Collection Act
July 10, 2006
McCracken et al v. Certegy Check Services, Inc. et al FL Middle Kovachevich Other Statutory Actions Fair Credit Reporting Act
June 30, 2006
Slaughter v. Certegy Payment Recovery Services Inc et al IN Northern Springmann Consumer Credit Fair Debt Collection Act
April 26, 2006
Diether v. Certegy Payment Recovery Services, Inc. et al CA Northern Alsup Other Statutory Actions Fair Debt Collection Act
April 3, 2006
Certegy Transactions Services, Inc. v. Travelers Express Company, Inc. et al FL Middle Bucklew Other Contract Diversity-Breach of Contract
March 21, 2006
Echols v. Certegy Payment Recovery Services, Inc. et al AL Northern Blackburn Other Statutory Actions Fair Debt Collection Act
March 7, 2006
Cook v. Certegy Payment Recovery Services, Inc. VA Eastern Williams Consumer Credit Fair Debt Collection Act
January 24, 2006
McFarland v. Certegy Payment Recovery Services, Inc. MI Western Bell Consumer Credit Fair Debt Collection Act
Dian Columbus Ohio

AOL

#124 May 23, 2007
I just had the same problem at Schottenstein's Department Store despite the fact that I seldom write checks at stores, and I had plenty of money to cover the check. Can we do a class action lawsuit? I am furious.
Rich

Saint Petersburg, FL

#125 May 24, 2007
Actually, companies like Certegy, TeleCheck and others are necessary, because many merchants would not take checks at all without them. 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.
Robert Brooks

Las Vegas, NV

#126 May 25, 2007
I recived the same old story. I used a check for a purchase in a Circle K #1951 store in Las Vegas the 23rd of May. In the amount of a staggering amount of $7.73 at 4:17pm. I the returned again for a nother purchase at 11:13pm and my check was refused. I then called 866.425.9392 and after 35 min a rep called and I asked why they had refused my check. His reply was like all the others. Sorry sir the system is down and I could not pull up this transaction. I then called the next morning at around 9:00 am and asked why my check was refused and she could not give me a answer. I then asked if I would have any trouble later on. Because the guy I called that night said that the bank I use was closed and could not varify my check. So I tryed again on the 24th at 4:17pm and again refused.
I called while in the store and got the same run a round and was told that they didnot whant to risk covering another check. I called my bank and every thing is a ok on my end. I think this Certegy should be boycotted by every on and hurt them right whare it counts. IN THERE WALLETS.
Baffled

United States

#127 May 25, 2007
I can't believe you people!!#1...why are you all still writing checks anyway?? I thought that we were all in an age where we had moved on to using debit and/or credit cards. Debit and/or credit cards are so much more convenient than actually writing out a check.#2...What would all of you do if someone stole your checkbook and began writing checks out of it? You know that most merchants do not bother to check ID no matter what Certegy may require them to do. Because of people like all of you that give them a hard time everytime that they ask you for some sort of idenification to prove that you are the owner of the check. Someone would be writing your checks and using your money...and when Certegy cleared these checks all of these complaints would be about Certegy allowing fraud and allowing checks to clear. This is all really sad to me...what has society come to when all of you want to sue a company because they wouldn't cash your $7 check at WalMart....COME ON USE YOUR FRICKING DEBIT CARD!!!#3...All of you know that you won't boycott these stores. You need the necessities just like everyone else in this world...and if you would rather go to a smaller chain and spend more money just so that you don't have to go to the others and use Certegy...then so be it....go right ahead!!#4...Do any of you go to casino's? Certegy is one of the leading check cashing and credit card advance providers in the gaming industry.

You should all give that little plastic card that your bank gives you a try. If you are all really that hell-bent on "ruining" Certegy then use your card as you will not be using their services when you do. It will also be cheaper to you as you will not have to use the checks that you more than likely pay for. Stop being so petty...aren't their more serious issues out there that we could all be sharing our thoughts and concerns with?
MKM

Wichita, KS

#128 May 25, 2007
Because," BAFFLED", I PREFER to use my FREE checks, and to be HUMILIATED at a store for choosing MY preferred method of payment, when I am an upstanding, moral and good citizen, with $$$$, is NOT right. It is simply another form of CONTROL in our SOCIETY - unfortuantely, many will be led to the slaughter house of death one day by accepting companies like Certegy and their CONTROL.
Sadly, I'm sure you'll be first in line to get a scanned imprint on your forehead one day for purchases because it is "EASIER".
Good Luck.
Baffled

United States

#129 May 25, 2007
Does your debit card charge you anything to use it? What would you do if someone stole your checks and Certegy didn't decline them? Then you would be complaining about something new. Times are changing and it seems that you can't accept that...you are right...if it comes to getting a scanned imprint of any sort I will be the first in line if that is what it takes to make my money and transaction more convenient and secure. I see nothing sad about that....
Robert Brooks

Las Vegas, NV

#130 May 25, 2007
Again I was Told that My Check was denided. THIS TIME IT WAS TO DEMOGRAPHICS.
And to the the probiblity of a bad check, I was turned away. I even have the store employees that heared it on speaker phone.
Robert Brooks

Las Vegas, NV

#131 May 25, 2007
PS: Baffled
A check card is the same thing as a check,
AND you are libel for all fraudelent charges!!!!!!!
A check, you have at the least a paper trail.
Please watch Date line to get a better education.
Robert Brooks

Las Vegas, NV

#132 May 25, 2007
Baffled:
Now after reading your cr#p, for the third time. I think you eather work for then or have a very warped sence of reality. The card is the check!!!
I feel that because where I live, I am more likely to pass a bad check in thare eyes, and that is a federal offence.
GET SMART DUNM A**.
Robert Brooks

Las Vegas, NV

#133 May 25, 2007
People Of the free world:
Yes including you "Baffled" All forms of payment should be excepted, except gum rapers, stores get pissed off when you hand then pennys for gas and what not.
And our own government issues that, and some say "sorry it has to be wraped". The check clearing houses like "Certegy" that electronicly get a approval from our banks should except our checks.
PS Not to bring harn to Circle K as a whole, But boycott then if using a check.
The should know that all of the good people that they might attract, just might go some where else to use there checks.
Robert Brooks

Las Vegas, NV

#134 May 25, 2007
MKM
Well Said!!!!!!
Baffled

Schuylkill Haven, PA

#135 May 26, 2007
I will not lower myself to your name calling...I am only posting blogs. Check cards are a more guaranteed form of payment....if the money is not there the transaction cannot clear. With a check retail stores are taking a chance as whether or not it will clear. It only takes a few to start writing bad checks and then we all have to pay for their mistakes. I do understand what it feels like to be declined in a store in a line full of people....it has happened to me...but I then just used my check card...which will do the same thing as a check. I do not work for the company....just hate to see that people are trying to boycott retail stores because those stores are trying to cut their own costs by having someone else guarantee their checks. And as for the dumn@#$ name calling do you really think that criminals who are bouncing checks give a crap if it is a federal offense?? NO they do not and those are the people who ruin it for eveyone else.
Robert Brooks

Las Vegas, NV

#136 May 26, 2007
Baffled
I realy think you should check yourself and realy look deep into the amount of protection you have with a check card. Sorry I feel at this time I think you should find out for you self. I have a rather expert inside knowlage on this subject. And have realtime and personal experence on this subjuct. Please share your info and I will tell you if your even close.
Antonio Schiano

Grafton, NH

#137 May 27, 2007
I have been having a difficult time starting a history for myself with a credit score and check history. The credit card is only because I have just received it. I have been working with Cingular to get my first Cell phone. They needed a credit card, but I had no credit. So I needed to make a deposit in order to start an account. I thought I would use my checking account to make the deposit. Every time I try to use the check they tell me it has been declined by Certegy. I call them and I'm on hold for twenty minutes, while the guy was telling me his name he hung up on me. So I had to wait another twenty minutes. Once I got someone all they could tell me was that it was a code two: meaning I had no checking history and the dollar amount was too high. I signed up for there Certegy Gold membership and they said I would have no more problems. Wrong! I still do not have my cell phone because certegy keeps declining my checks. Why can't they just look at the damn balance, there is over 75k in the account, yet I can't write a check from in. It is also a Money Market account from a well known Institution. How can they not see this. Why is it that certegy only uses this stupid security pattern to determine weather or not your checks are "HOT". I hate certegy and they suck.
Robert Brooks

Las Vegas, NV

#138 May 27, 2007
I Just lerned from this experence for the last couple of days and with the circle k convenent store). That if you dont have any negivive history with Certegy you can write checks without any problem, BUT your check has to clear first. Further more Certegy will not get a approvel from your bank. I ve been tracking my account.
They have pu to ten day to draw from your account. As far as the Gold member status I have that form but did not read it yet and canot give an opinon. Ill get back you ya all.
PS. Baffled. Im still waiting!!!
Leah

Gilbert, AZ

#139 May 28, 2007
I had an experience with this stupid company yesterday when I tried to use a check at Target. They also went into this whole deal about how I had to have check writing history. How do you get history if they won't let you write a check in the first place. The guy then told me that there was something about that particular check that sent out a red light in their system. So I went back through the line, writing checks until one was accepted and by the third on I get my stuff. They are idiots!
Cat

Huntsville, AL

#140 May 28, 2007
I too was denied check approval. I had over $3,000. in my account, and I only wrote a $64.00 check! The gal at "Home Depot" called the Certigy number for me. Then, she put the speaker phone on for everyone close by to hear. The message spoken basically hinted I was being denied because of possible fraud due to my check writing pattern.(I have never written a bad check!)
Anyway, due to the intercom announcing this message, I was throughly embarrassed!
Finally, I spoke with someone at Certigy. I was told I had not written enough checks in the last few months.( I have been attending school working toward a
Business Degree." So, due to the lack of history of check writing, I was told I was denied.
Home Depot lost close to $2,000 of business today. I was planning on purchasing remodeling items for my home at their store. Not anymore!
I am going checkless.........I will pay with cash for now on.
Cat

Huntsville, AL

#141 May 28, 2007
Rich wrote:
Actually, companies like Certegy, TeleCheck and others are necessary, because many merchants would not take checks at all without them. 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.
True, businesses do lose money due to bad checks. Yet, one wonders how much business or rather money is lost due to people taking their business elsewhere. I will now spend my $2,000. at Lowes due to my check being denied to an "irregular writing pattern."

Could the number of checks being declined and people taking their business elsewhere be more costly than taking the hit from people writing bad checks?(In many cases, they will recover these types of losses anyway. Yet, you can't lure humiliated consumers back in with a 10 foot pole!)

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