BEWARE of Stores using Certegy Check ...
jason

Chicago, IL

#1427 Oct 14, 2012
Small Business Employee wrote:
<quoted text>
First of all, Certegy, whose security is suspect after a 2007 breach by a former employee, has no business using anyone's social security number without express written permission of the consumer.
Second, this doesn't explain the tendency to deny checks with "no history" (ie from new accounts with no personal or business history of NSF).
Third, it doesn't explain the tendency to deny corporate checks with no history of NSF.
Certegy does not deny checks based on reality but on an algorithm which may or may not be accurate. Trouble is, they've completely removed the ability for human judgment to override the algorithm. Therefore, a person with accounts in good standing, who has never bounced a check, may be completely unable to purchase office supplies using a Quickbooks check. That's just stupid.
Wait, I'm now really bothered by the social security number thing.

Is it really legal for them to share a social security number????
Also, does anyone else think something's super fishy with the "gold application"?
certegy doesnt share SSN info... and most declined transactions are due to check writting history of the customer. some are from collated info from the bank of the cust via early warning services. this is to ensure that there are available funds on t he account. if you want this not to happend to you then dont use checks. use a debit card or a credit card. yet better bring lots of cash if you have any.
Small Business Employee

Costa Mesa, CA

#1428 Oct 14, 2012
jason wrote:
<quoted text>
certegy doesnt share SSN info... and most declined transactions are due to check writting history of the customer. some are from collated info from the bank of the cust via early warning services. this is to ensure that there are available funds on t he account. if you want this not to happend to you then dont use checks. use a debit card or a credit card. yet better bring lots of cash if you have any.
1. Certegy does, in fact, use and store social security numbers, which got them into trouble when that information was breached by an employee.

2. Most declined Certegy transactions on business accounts are declined based on lack of history, not fraudulent history.

3. The information used to decline the transaction is NOT connected to the consumer's bank account in any way.

4. Although business credit cards may seem like a solution, most companies send employees to do the purchasing. You typically can't use a credit card at a retailer if it's not in your name. What are businesses supposed to do, take out a credit card in every employees' name? Certegy is making it so that only the signer on the account can make a purchase for office supplies, so, what, only executives and CEOs can go to Staples? Ridiculous. Technology exists for checks to be verified at POS, like a debit card. Certegy willfully takes steps to avoid fund verification.

Certegy is purposefully making it more difficult to use checks, not out of a desire to curb fraud, but by targeting people who have no banking history (i.e. low income people). The fallout is that it is also hurting businesses.
April

Auburndale, FL

#1429 Oct 22, 2012
I had the same problem at Walmart and Winn Dixie but I was not cashing or using a personal check, I was trying to cash my payroll check and it was declined. I was finally able to go to a mom and pop place to cash it and get some groceries. When I got home I called of course I got someone that spoke broken english their reason was it fit a pattern so that it why it was declined. Upon pressing the issue and getting a "supervisor" on the phone who still could not tell me what this Pattern was I come to find out the home office is in Tampa Fl but they are in the Phillipines. Another wonderful outsourcing of our American jobs and them not being able to give you a definite answer. everytime they would tell me I understand .. Umm no you don't you were not the one standing in line with people behind you embarrassed.
C Serrano

United States

#1430 Oct 23, 2012
Toyota Corolla placed my name on this Certegy rip-off business. They are trying to get money from me after I was told to leave a check signed and dated. The money was to be deposited on a certain date 'buy they didn't wait and processed it through knowing how many times I told them to wait til money was in account. They agreed they would, but lied. My check was turned over to creepy certegy who are no help at all. Phone service wait is stressfull, to then answer so many questions by a machine and when a person comes on is like talking to another machine a 'ROBOT '. Disgusted with Certegy, stores that will lose business which makes our economy worst and better yet I like this one they employees for their business Lose their jobs.
M Ellis

Hickory Valley, TN

#1431 Nov 6, 2012
My husband tried cashing a check at Walmart Money Center from Crye--Leike Realtors and the check was denied by Certegy with a code 2. What in the ---is a code 2 this was so embarrassing Certegy has always gave people with little check writing or as I am seeing here people with long term check writing history a hard time this company needs to be put out of business. Crye-Leike I am sure does not pass along bad checks so I don't understand why their check was being denied
Carrie

Roswell, GA

#1434 Nov 11, 2012
Same as all the above at Dilliards! So add that store to the list
AMW

United States

#1435 Nov 19, 2012
KyleT wrote:
Also this is why checks are a thing of the past and most companies anymore do NOT accept them. Cash or Credit. Checks are a PITA** to deal with and customers are NEVER happy. But also if you have $112,000+ dollars in your account- use your debit card or pay by cash- stop being uptight about your money and holding on to it a few more days. Just pay for it.
I never write checks but Certegy has twice denied my (bank checking account) Visa debit card transactions for odd and puny amounts. So no checks. no debits, we are forced to carry and use large amounts of cash.
Frankly after the second time I was rejected at Walgreens (for an antibiotic prescription) I made a point of changing pharmacies and naming Certegy as the reason. Walgreens didn't care and I never recieved letters or coupons in the mail to entice me back. They can rot for all I care then.
AMW

United States

#1436 Nov 19, 2012
Small Business Employee wrote:
<quoted text>
First of all, Certegy, whose security is suspect after a 2007 breach by a former employee, has no business using anyone's social security number without express written permission of the consumer.
Second, this doesn't explain the tendency to deny checks with "no history" (ie from new accounts with no personal or business history of NSF).
Third, it doesn't explain the tendency to deny corporate checks with no history of NSF.
Certegy does not deny checks based on reality but on an algorithm which may or may not be accurate. Trouble is, they've completely removed the ability for human judgment to override the algorithm. Therefore, a person with accounts in good standing, who has never bounced a check, may be completely unable to purchase office supplies using a Quickbooks check. That's just stupid.
Wait, I'm now really bothered by the social security number thing. Is it really legal for them to share a social security number????
Also, does anyone else think something's super fishy with the "gold application"?
I don't believe an "algorithm" even exists. I think it's fiction because in my case and many others it has made NO sense. My friend who has his PhD in statistics and is in risk management saw NO rationale for my experiences.

I'll bet it's a load of cr*p so merchants are impressed with Certegy and they can hide behind their fiction and. not have to explain it to anyone as their "formula" is a trade secret.

The question is: how much $ in sales/abandoned transactions have merchants using Certegy actually LOST unnecessarily? If merchants lose more $ in sales (and piss off customers) than save in "fraud prevention" they might see Certegy as a liabity.
Small Business Employee

United States

#1437 Nov 19, 2012
AMW wrote:
<quoted text>
I don't believe an "algorithm" even exists. I think it's fiction because in my case and many others it has made NO sense. My friend who has his PhD in statistics and is in risk management saw NO rationale for my experiences.
I'll bet it's a load of cr*p so merchants are impressed with Certegy and they can hide behind their fiction and. not have to explain it to anyone as their "formula" is a trade secret.
The question is: how much $ in sales/abandoned transactions have merchants using Certegy actually LOST unnecessarily? If merchants lose more $ in sales (and piss off customers) than save in "fraud prevention" they might see Certegy as a liabity.
There must be some kind of process as immediate responses at POS are sent by computers -- not people. In fact, there seem to be no human beings with decision making capabilities in the entire company.

You make an excellent point about sales lost. I wonder if the big box retailers have done any analysis since using Certegy about declined transactions versus previous years' fraud loss or NSF fees paid. Or, maybe, they're just too big to care. Since Certegy is primarily used in all the big name retailers, maybe it's still such a nominal amount, it doesn't matter.

I keep going back to my theory that this is designed to discourage low income people from being able to cash checks at all. There's no logical reason why retailers can't run checks like debits and communicate directly with the bank through the POS. It takes the same amount of time as a card swipe. There's clearly something else going on here--whether it's been initiated by merchants or Certegy, it's tough to say. There may be a joint effort on behalf of banks and merchants (and employers--which is a completely different debate) to eliminate checks altogether. Unfortunately, there are people who don't have access to bank accounts, for a variety of reasons, and there are still companies that only do business via check. Besides, for a person making minimum wage, what incentive is there to open a checking account with all the fees and minimums?
Semone

Houston, TX

#1438 Nov 24, 2012
Brian wrote:
If you have an IGA, they cash them for free.
what is an iga?
Semone

Houston, TX

#1439 Nov 24, 2012
jason wrote:
<quoted text>
certegy doesnt share SSN info... and most declined transactions are due to check writting history of the customer. some are from collated info from the bank of the cust via early warning services. this is to ensure that there are available funds on t he account. if you want this not to happend to you then dont use checks. use a debit card or a credit card. yet better bring lots of cash if you have any.
but that doesn't explain why they decline the cashing of corporate checks.
Caren

The Colony, TX

#1440 Nov 27, 2012
Same thing just happen to me at Petsmart. Certegy said decline was not as a result of negative check writing but for fraud prevention...I did not fit the right model! I have spoken to the store, but if I do not receive adequate response from them I will shop elsewhere.
happened to me

Murfreesboro, TN

#1441 Nov 28, 2012
DolphinWoman wrote:
When you compile the list would you send it to my email? I am tired of this declined checks. Lenox_Lady@hotmail.com
Thanks
<quoted text>
This happened to me at Publix in Tennessee. I wrote a check the week before for nearly $200 and just went into the same Publix and wrote one for $27.39 which was denied. Certegy claims they could not verify me by my identification and wanted me to go to the DMV and obtain my driving record. I verified with Publix that my identification was correct. I will not shop at any stores that use the Certegy. They were completely unhelpful and calling them was a waste of time! What ever happened to customer service?

Since: Nov 07

Location hidden

#1443 Nov 28, 2012
Semone wrote:
<quoted text> what is an iga?
An Independent grocery store each individual owned. Some do take Certegy, others take telecheck. It is up to each owner. I do remembering reading that an IGA quit Certegy after contract expired because they denied a lot of regular customers they had no problems with. They went back to another company.
Me_here

Irvine, CA

#1444 Nov 28, 2012
There are hundreds of large retailers using Certegy. How can you boycott them all?
Some kind of investigation is called for here. There's no way consumers stand a chance against big Certegy clients. We'd never be able to boycott them all.
Lipkin

La Crescenta, CA

#1445 Dec 12, 2012
Great, now Macy's and Lowe's can be added to the Check not Approved hassles. Long time customer of both and now we are into the holidays, I'm shopping and being declined at the store. Yes, Certegy has no negitive check writing info on me, just really can't give a reason other then the computer says so and it's for both partys protection. Did I ad I have my CA DL. My last transaction at Macy's that should of taken 3 minutes took over an hour. I had the sales peerson get on the phone and call whom ever she needed to straighten this mess out. Since it last happened I was embarrassed and paid by credit card quicky. Now I'm just mad and I will take up the stores valuable time so they can call, be put on hold, while I wait AND the line gets longer and longer. What a bunch of crap created by their 3rd party processor. Don't they know I'm one of there best customers who spends a lot of money there? I For the record, I don't want to be inconsiderate to others waiting in line but it's the principle of the matter/undeserved hassle.
Ed L

Washington, MO

#1446 Dec 19, 2012
I had the same experience yesterday. I have been writing checks for over 40 years (probably have written over 30 checks to Macy's /Famous Barr for many thousands of dollars over that time). I have no bad check history and over 10 times what the $126 dollar check was written for in my checking acct (Christmastime).

I had just written a check two weeks prior for $147 that was cashed with no problem.

The check this time was denied. How embarrassing. I felt like a criminal. When I called the Certegy number that was given they said that it wasn't anything on my history or a bad check but that there was "criteria used" that suggested it might be bad and denied it. The thing is THEY WON'T TELL YOU WAHT THE CRITERIA IS!!! They said their system protects merchants and customers from fraud. I pointed out that it also apparently prevents merchants from selling wares and customers from getting what they want.

How is this any different from knowing that one out of 100 customers shoplifts so accuse every 100th customer???

Talk about Big Brother/Nazi Germany!!!!

Any company that uses a service like this that takes a chance on making honest customers feel like criminals is not worth my time. I will NEVER go to Macy's again and plan to point that out to Macy's mgt.
CThomas

Claremont, CA

#1447 Dec 20, 2012
After burglary last month which included stolen checks, where I immediately closed the my bank account same day as burglary. Thieves wrote four checks totaling over 3500.00 which this “Certegy Check Approval Company” authorized payment thru a local check cashing agency consisting of 2 employees (The agency is currently under investigation with local police department). Note this local agenc didn't gather the proper identificatio the individual cashing the check either. A week ago Certegy sends me 4 nasty grams saying repay them. I like a reponsible individual ontact them. They ask to have me fill out a form. I get this form Certegy now wants me to fill out a affidavit with Personal information, Police Report, Banking information, Logins, Passwords and other personal information. I told them “You are idiots if you think I am going to assist you stealing my identity”, and if you want report it to any credit agency...go ahead, as I am already in contact with the 3 Major Credit Reporting Agencies to have anything related to burglary removed. I will also be giving this "form" to local police department for further investigation into this "Recovery" service. Reading the fine print, they threaten the ability of not having my checks accepted by any merchants that use Certegy for its approval service. I have to laugh, I never/don't use checks for any merchant purchases, let alon a Check Cashing Merchant.
VICTORIA

Douglasville, GA

#1448 Jan 4, 2013
This is still happening in 2013! Walmart would not cash a $980.00 check an the rag of a company certegy would not tell me why! Won't shop at walmart
Robert

Salt Lake City, UT

#1450 Jan 16, 2013
Because of certegy i have a hard time cashing my pay checks everytime i try there sytem rejects it and no one will tell me why, the store just plays dumb and then i can never get a live person to talk to when i call there number.

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