Certegy Reviews

Awful liars, did not cash my METLIFE check?? What the heck is wrong with you people? All of you, just quit…. This company sucks.

Declined commercial payroll check. No reason given, no way resolve the issue.

Horrible. How do you decline a company check. Wild. Who uses services like this. It’s a hospital company and it gets declined. Then y’all can’t even give a detailed reason as to why it was declined. Poor poor service and I don’t recommend Certegy at all.

Imagine going to Walmart buying a money order, then not being able to use it so you bring it back to Walmart to cash it and this company keeps denying it being cashed due to suspected fraud. Not to mention, I went to the Walmart. I bought it at with all the receipts this company does a poor job at determining whose checks get cashed. I don’t even know why they use this company. It’s making Walmart look bad. I’m personally using Amscot for money orders for now on.

Too much control is given to this company! Declining people's checks and taking away their ability to to have access to funds, when cashing at an institution where a check is drawn is not possible, is cruel! On top of it, you give no legit rationalization nor justification for doing so. A person is just left standing there, feeling defeated, while you sit in your cushy little office passing judgement! I can see by your reviews that I am not alone in my feelings and thoughts and it begs the question, how are you even operating? Who gave your the power to do what you do? You should be investigated thoroughly and a system of checks and balance be put in place for your company.

I would give a 0 star but no option. Certegy denied cashing out one of my company checks. I had two from the same company and one was declined. I called this amazing company and John the rep sounded like a robot telling me nonstop how they can’t say why the transaction was declined. Never again will use Walmart services. They ask all your personal information then you end out without an answer. When I ask for a supervisor the nice customer rep said they don't have one and that in 3 days someone could call back.

Certegy check cashing declined my gov check to be cashed at Walmart. I would avoid them like the plague. Horrible company and customer service reads off a pre written notices. Don't go through them to check your credit or other services. They are crooks and dishonest. Please don't spend any money towards their services. Shame on you guys.

I have mid 800 credit score, two paid off vehicles, house paid off, additional real estate holdings paid off and wrote a check on an account with a large balance and got a check refusal. Called their customer service and got no specific reason for the decline.

Two checks now not accepted at the Lowes due to Certegy's checking service despite the fact that plenty of money sits in my checking account.

I called Certegy regarding a declined check at Kroger on Centerville Hwy Snellville, Ga, I needed to write a check while waiting on my bank to send my new debit card. The first time I called Certegy, they said you have no negative data and no bounced checks. We are sorry for the inconvenience, however, you may now write a check at Kroger and any of its locations. When I went to Kroger on Sunday, May 17th, the same thing happened. Again, the same response from Certegy that they are sorry for the inconvenience and I can write a check at Kroger or any of its locations. This is a sorry system. I don't want sorry; I want them to do better. If Kroger and other businesses are depending on this company they will be losing customers. There should not have been a repeat of the same issue when I called them the first time and they found no negative data. Something is definitely wrong with Certegy and Kroger for using such a sorry representation.

I called about GoDaddy turning my account over for debt collection. I tried to contact them. They barely spoke English. GoDaddy issued me a refund after I canceled and then turned me in for collection of that refund. This guy wanted my driver's license # and bank account number. I said hell no. He would not talk to me about it. They pay GoDaddy in advance for receivables.. I guess and then when GoDaddy refunded my money GoDaddy did not return their money and now want it from me. That is a big no. I got my refund. They need to get their money from GoDaddy and not me. I am whole again. They need to get their money from GoDaddy.

This week, my husband and I tried to write checks for groceries from Fred Meyer. We have been long-time customers and he has been employed there several years. First, he tried to write a check for around $116 and the check wasn't accepted based on Certergy. Then, I tried to write a check. Same groceries, same amount, same outcome. According to Certegy, we are risks. We don't write checks too often and have never had problems at Fred Meyer or any other business we have wrote checks at. We have never had bounced checks or dishonored checks. I don't know where they come up with their information. We are both in our 60's, retired but still work part time. It seems like a scam because they don't like the fact that we hardly write checks and have judged us as not being worthy to have any checks accepted unless the sequence number is in the thousands.

I wrote a check at Petsmart. It was declined. Never having experienced this in 50 years of writing checks, I asked “why?” They gave me a receipt with Certegy Payment Solution’s name as the company that caused the decline. I went to my bank where I was told there was no reason. I called Certegy. They are supposed to send me the reasoning. When I called them, they wanted all my personal information including SSN. I was totally humiliated. I stood there in the line at Petsmart feeling as if I was being treated as a criminal. I felt so devalued as a human being. Now, I am afraid this will continue. How can a company have so much power as to destroy a person’s credibility for no reason at all. I am also upset with Petsmart for allowing this.

Most garbage I've ever had to deal with in my life. Why do companies use garbage businesses like this? Can't even cash a check at Wal-Mart because of these morons.

Certegy denied Walmart to cash my check from discover bank for absolutely no reason. How is a check from Discover Bank appear to be fraudulent. Zero customer service. Just a basic automated service with zero explanation or solution. Piss poor service. I will never recommend it.

Literal trash. They declined my PAYROLL check from a well-known REPUTABLE company. Of course they couldn't give me an actual reason. But it's ridiculous that they are used so many places and are so unreliable.

They are absolute trash! Declining cash out checks for no reason at all. Checks from credible banks and right information, real ids and/or driver’s license information as well. They are incompetent, worthless, a disaster and a disgrace.

Worst checking company that has ever existed please on what is good. Please let this company fail and cease to exist, useless and literally always like 90% of the time will decline most checks, really not worth it, and increased their rates a few years ago to be even worse now, wish I could give them 0 stars but alas I have to at least put one. They aren't even deserving of that.

I was unable to pay for groceries at Kroger due to them declining my check. I rarely write checks and have never heard of this company before. The people behind my had to wait while my check got declines. I have plenty of money on the bank. I even called my bank and they confirmed that I should be able to write a check with no problem. Now, I would love to get this corrected if there is a data discrepancy, but they said it is confidential and only provide a vague description of the issue basically saying “my check didn’t meet their criteria” which they won’t disclose. I can also only get a copy of my consumer report from them if I provide them with my bank account…..and routing number. Uh no way. That’s all I need is for the outsourced company in India to have my bank account information. So, even though there was a class action suite over 10 years ago, they are apparently doing the same thing now?!!

This is insane and to think a retailer like Walmart uses this bs company is nuts. I have a check for a few hundred dollars from a big well known attorney. It's the proceeds from a car accident lawsuit. But Walmart won't cash because these ** declined it for some reason having to do with my address. I recently moved but had all the proof of my past address the check was sent to and my new one. Then you can't get ahold of anyone to talk to them. The phone system barely works. There are no answers to be had and nobody to talk to and Walmart won't help after they decline it.

I went to purchase kitchen cabinets at Lowe's. I asked if paying with a personal check would be OK? The salesperson said "yes." I hand the guy a personal check and Certegy declines it for no reason. So, I ask the Lowe's salesperson if I should bring in a cashier's check instead? He says "yes." After transferring funds from out of state to my checking account, I get a cashier's check at my bank a week later. I bring the check to Lowe's, they run it through the processing machine, and Certegy declines it!

If there was less than 1 star, this 'company' deserves it. Very poor customer service, no accountability for their mistakes or illegal actions. Fined 3.5 million by FTC for fraud, NOT accredited by BBB. Currently has lawsuits pending for discriminatory practices in several states. Outsources call center to the Philippines, and has business connections to a collection agency in India. Companies using Certegy have a corporate officer getting paid by Certegy to use them, there is no other reasonable explanation why an honest company would engage in a business relationship with them. I and thankful my bank caught Certegy's attempted theft from my accounts, and have made Publix, the store my check was used at, aware of Certegy's very poor reputation. Currently Publix corporate office is investigating and, hopefully, by bringing my findings to them, will cancel their contract with these thieves.

Horrible customer service, 1st it took me 3 phone calls to get in touch with a representative. 2nd, could not understand his broken English and 3rd had no solution to my situation. My check was declined for absolutely no reason. It was a check from a business out of Texas handwritten to me for less than $300. This useless company flagged the check and I wasn’t able to cash it when I needed the funds. No one needs a third party deciding if you can cash a check, that’s why we have banks. This company doesn’t make things easier they make things more complicated. I suggest you fix your problem.

Went to cash a check at my local Walmart, as I have done several times before with no problems, yet my transaction was declined. The lady told me she didn't know why but there's a number on this receipt I can call. Called Certegy (call center located in India) to find out why, but they could not specify the reason. I asked for more info and they had none.

Certegy hides its "criteria" and randomly refuses to cash checks. I tried to cash a payroll check from a local company that had not been a problem before and was declined for no discernible reason. Calling the number they tell you to call only gets you some call center in India or South Asia where the people will only recite a prewritten script about "risk factors" but will refuse to answer any specific questions. Waste of time. Any company using them should stop claiming to cash checks since it is so iffy whether they actually will.

This company declined a check of 140.00 and the after hours of being on the phone and repeating answers. By the way limited English speaking staff. I never got any explanation and they blamed it on the store. Which Kroger was informed since I have been customer of 40 yrs same location. Had to write a check because debit card was compromised and was awaiting replacement. Kroger made it right. This company is incompetent.

CERTEGY has been refusing to cash any of my checks for over 10 years. Recently I decided to call and see why is it that all of my checks, regardless of where it's from are denied. Child support, work and government checks all denied. I WAS TOLD THAT I DO NOT MEET THE CRITERIA. When asked what the criteria was, I was told that it could not be disclosed. Upon further review, I see that many of the people living in low-income areas have also experienced the same, forcing us to give a percentage of our earnings to some other entity because we are being denied access to cash our checks at a reasonable rate. I feel it is discriminatory on many levels and am seeking to file a class action lawsuit in the near future.

Scammers that cause your checks to decline. I tried to check my 401 k check at two different stores and got declined with both because Certegy discriminated based on race and credit which has nothing to do with a valid check.

Like so many others check was declined. More than enough in my account to cover the check. BTW this is on a guardian account so I am not allowed to get a debit card on this account, only checks. It’s difficult to get items my ward needs when Certegy keeps declining checks and no explanation why and can’t get a human being on the phone. Not sure what I can do!

Perfectly good check, no bad background or history. Denied it at two different places! .. It's cool. I gotta wait two days for the bank to open now. Company is a joke and needs investigated for false reports. If you are gonna use a company and use it massively and everywhere, make sure it works properly and can provide the services they advertise.

I was denied when trying to cash a legitimate check at Fred Meyer because of Certegy. I've cashed checks here before with no issue. This time, I was told to call a number—and when I did, I got a robot with no real explanation, just something vague about “risk factors.” Let me be very clear: The check was real. My ID was valid. My signature matched. I have no fraud history. There was no risk—yet I was punished by a flawed, unaccountable system. And I couldn’t even speak to a human. There is no customer service option. No way to ask questions. No way to appeal. Just an automated voice denying me access to my own funds.

Terrible company that denied a legitimate check. I was trying to cash making things much more difficult for me. For basically an undisclosed reason and then their telephone number is completely useless and doesn't give you any foreign information while having a equally useless AI assistant. Answer the phone because of course it's impossible to talk to another human being.

I was cashing payroll checks at a local store. Everything about it was 100% legit and legal. Was working good for a few weeks then all of a sudden, DECLINED. No reason. Just told to call a phone number. This number is what Certegy gives its customers to give the other customers. Call the number and I get some operator or someone telling me the number isn't right or wrong. Never heard that message anywhere before. So they just shut people down without a reason or contact information to talk with someone either. I'd say they are hiding from themselves because they don't even exist or they are to dumb to explain whatever it is that they don't understand if happening.

This company needs help. They will cash one check out of ten from my employer. Mind you she has plenty of money at all times. Never less the 10 thousand in her account yet Walmart will only cash on out of every 5 to ten checks. Keep in mind you can't cash check for no more than 200.00 there. That tells you all you need to know about this horrible company. Don't use them. They SUCK.

Worst most discriminating company there is. Anyone who supports this company should see how they treat people. The absolute worst customer service and most ignorant leadership. This company needs to be put on the SCAM AND CRIMINAL end of the law.

Absolutely ridiculous service. Tried cashing a really small check from Huntington at a Walmart and this company blocked my check. They also don't accept checks from Chase or PNC banks. And when your check gets blocked you call the 800 number for them to say, "We don't know." Scam of a company that needs to be closed down.

Walmart has repeatedly refused to cash my checks from legitimate sources usually government checks. It is because of what I believe to be discriminatory practices by the company Certegy that claims my checks are "High Risk." Certegy offers no way to complain or to file an appeal. They do not explain as to why.

This company is a scam and made to give you the run around so they could keep your money...Everyone at the company should be arrested. No real operator. Thus check is useless because it's being denied everywhere I go.

Tax refund check declined!!! Only 112.89 cent tax refund check declined and given no reason from Certegy; even after using the website.. This company should not be used by any business that cashes checks.

I received a check from my presettlement lawsuit funder, from my case against big pharma giant, Johnson & Johnson where I had cancer from their talcum powder, and Wal Mart declined to cash my check because this Certegy declined it and I've never even heard of this company, will I not be able to get my check cashed at all, or is Certegy a scam.. Any suggestions would help..