CertegyConsumerAffairs Unaccredited Brand
Certegy is a legal discrimination tool. In 2018, technology is unable to determine if "I" am a true risk or not? A $500 payroll check to a hardworking citizen is HIGH risk. They say "We cannot tell you the guidelines we based our decision on because criminals will circumvent our guidelines and render us useless". Reality check Certegy "You are useless" if you deny me services based on your unknown reasons. The truth is, the guidelines are based on where you live and other discriminatory factors. If they tell you the guidelines, they can't discriminate against you.
In other words, they have a useless system that is only valuable if they can bar people "risk factors" they prefer not to serve. Rather than deny you based on YOU, they deny you based on discrimination values you are unaware of. What is the use of checks, if they are too risky? When I called Certegy, I only received the automated system. When I finally obtained the "live person" number from a useless letter they sent me (by request). When talking to the live person I could only be told I was denied due to secret guidelines. A useless primitive service that is legally discriminating.
On December 15, 2017 I wrote a check at Macy's in Pittsburgh for $15. When our bank statement arrived my husband noticed that the check had been processed twice, once on 12/16 and once on 12/22. He contacted the bank and they said they would issue a refund for the second draft, which they did. I went to Ross Dress for Less 10 days ago and wrote a check which was declined. When I called Certegy they indicated that my account showed a returned check. I explained what had happened and was told they would file a dispute on my behalf which might take up to 30 days. I went to Joann Fabric today and again my check was declined. When I called Certegy I was told that they don't have an account with Joann but they would document my issue anyway.
More than 5 years ago I had a similar issue with Certegy. I wrote a check at Macy's with no problem. I then went to another department and when I wrote a check it was declined. I later went back to the first register I had used and my check went through fine, so I thought it was an issue with Macy's. An hour later I stopped at Joann Fabric and again had a check declined. After 40 minutes on the phone with Certegy the agent told me there was nothing wrong with my account and she had no idea why my checks were declined. There is something seriously wrong with this company and how they do business and I can't understand why companies continue to use them.
Dillons couldn't cash my 401k cash because of Certegy's profile of me. I called them to find out what was wrong and they would not tell me. I have never done anything wrong and This is not the first time. I had no choice but to get it cashed at Ace and instead of a few bucks to cash it...it cost me 182 dollars!!!
I purchased a money order to pay my rent. Made a mistake in the name so my landlady wouldn't take it. Tried to get it refunded. Grocery store won't refund it because of returned item I resolved years ago. A money order. I wasnt trying to cash it. I was trying to get my money back. I cant deposit it because my own bank thinks it's altered. Now I'm late on my rent and out $350 because I have to wait 30 days to get refunded through Western Union. Their outdated reporting system is now costing me!
I had previously purchased a money order from Walmart, which I have done in the past and tried to cash it back in but this position company refused it. Now after Walmart having me fill it out a certain way, I'm out 500.00.
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Walked into a Wal-Mart and tried to cash a check issued from a insurance company. Was declined due to Certegy. Clearly Certegy doesn't operate on facts because the check was issued to me for a car accident payout. Had my ID and check was issued 10/09 today is 02/18. Valid for 180 days. This company should invest in resources for consumers they're unfairly denying. Instead of a report 7 business days later. Then who knows what you have to do to get approved and how long that'll be. So easy to get declined by some big company. Should make the world a better place by offering a solution as quick as the decline created.
I work for different oil and pipeline companies and first check is always check before direct deposit and Certegy always never lets me cash it. It's so frustrating and I'm broke right now. Have 2 checks haven't been able to cash.
They declined my personal check for $57.58 to Sally's Beauty Supply on February 7, 2018. Not only have I been a Sally's member for several years, but there is definitely sufficient money in my account. Synovus purchased The Bank of Nashville in the last year and they did reissue all new account numbers starting with 001. I wondered if Check 524 was the problem, but when I go to Certegy it was not even reported as declined. Sally's Corporate Office did apologize, but I'd hate to think I depended on Certegy to approve or disapprove of my customer's check. They gave no reason! Sounds like a very poor company! (FIFTY-SEVEN, FIFTY-EIGHT... Hilarious amount!)
This company makes absolutely no sense whatsoever, my son just received his first disability check and it was declined by Certegy. They gave no understandable reason for this. Now there is a silver lining, if you can get the service desk employee to listen to you. I worked at a Wal-Mart service desk for almost three years and came upon the fix for this problem, 9 times out of ten.
The reason the checks are being declined is because the check has some type of printing error. When they run the check the numbers are not where the system thinks they are supposed to be, so to get your check to go through double check all the printing on it. Say if part of the top of the check is on the bottom just fold the bottom part and have them run it like that. The checks will also be declined if they are folded where there is numbers, wrinkled, ripped or dirty. If that is your problem and it is a payroll or other check you are trying to cash then flatten it with something heavy and if dirty just dab it with a barely damp paper towel and then let dry. I hope this helps someone.
First time ever having to use them but my work's bank had an ACH problem so we were issued checks. Now this check was right at Kroger's limit but it was issued through a medium sized bank so there shouldn't have been an issue. There's 20 minutes of my life that I will never get back, declined and no reason given. Tried to call - waited another 15 minutes and said screw this... I had heard some questionable things about Certegy and this confirms everything that I was told. My advice, don't used them unless you have to - a very shady company with nothing but negative reviews.
So I have been to Walmart to cash checks many times over the last few years. Usually use direct deposit, but my new employer says the first time has to be by check. So I go to Wal-Mart and get told because I have never cashed at that location before, that Certegy declined. So I drove to the Walmart I usually go to and they tell me it is declining due to an issue with the check number. So bottom line is I never got it cashed. Only needed to because it was a Saturday and my bank was closed till Monday. Anyway, called Certegy and they were worse than useless. No more business ever at Walmart. With a Meijer and a Target in my town I have other options that I will use. I hate that I even had to give one star.
To be succinct: I have mild dyscalculia. I had entered in my Social Security wrong, and decided to contact Certegy. Initially the phone call went fine until I had to explain to the representative that I have dyscalculia and did not have my social security card in my wallet on me. It was at this moment her tone of voice and demeanor changed completely. The representative was very standoffish and suspicious sounding, when I had asked for merely 4 minutes to retrieve my social security card, she LOUDLY told me that she would not hold the line for 4 minutes.
While I understood the nature of the suspicion due to the frequency of identity theft I was not asking for special treatment merely just time to grab my social security card to provide them with the right information. Throughout the entire conversation she was slurring Her speech to the point where it was inaudible, and I suspect that she quickly grew frustrated with me by the third time I had asked her to repeat herself.
This is not a good company if only for the fact that you can't file any sort of formal complaint calling the numbers provided on their website only leads you to an automated system that either puts you in contact with a check Services representative or an automated process. By default it is assumed that if you were calling them it is because your check was declined at a given location.
There is absolutely zero recourse for customers, and to top it off at no point do I ever remember opening any sort of account with Certegy check services which leads me to believe that Walmart corporation neglects to mention that they have third parties handling your information. I was basically a customer for a company I never hired, and I have zero recourse because it is default assumed that I am a bum since I entered in my Social Security wrong. They were not accommodating. They were not friendly and to top it off there was no way for me to get in contact with a customer service representative in order to file a complaint against this particular worker named Priscilla. If you are a member of the financial industry do not use this Corporation.
I was denied cashing a check at Walmart and Kroger and was informed that Certegy denied cashing my checks both times. When I spoke with a representative for Certegy, I was provided with a blanket explanation stating that I had risk factors and the amount of the check (approximately $300). The representative was unable to provide me with what the risk factors were and how to resolve them. She just informed me to keep trying to cash checks! Ummm... NO!!! It is very embarrassing to be told that they can not cash a check so small but the stores advertise that they do cash checks!
I was denied two different checks at PetSmart on Dec. 28, 2017. Like many of you, I got nowhere in dialing the toll free number on the receipt except to be left on "hold". A couple of days later, I reached a person at Certegy who gave me the runaround as to why my checks were not honored. I explained that I had never bounced a check, had over 800 credit score, and had plenty of funds in both accounts. She gave me the same bull about the possibilities that might cause them to reject a check. I reported them to the BBB in Florida, and they responded with a vanilla letter saying the same thing. The Certegy rep said that they would send me a detailed letter explaining why, in my instance, the checks were rejected. I should have it by the 18th at the latest according to Certegy. I'll post what they tell me as soon as I receive the letter.
I'm 60 yrs old and never heard of this company before. Certegy. Now this company is denying my business at the local Walmart. I have never kited a check in my life. Recently, I have been denied several times over the last two weeks. They wouldn't even cash my checks from the state of California for 297.67. I call them and get no good reason other than that is the way they do it. I'm disturbed that this never before heard of company has a file on me. I just wanted to buy a microwave and cash a check from a reliable source like I have dozens and dozens of times before with no issue, not apply for a level 5 security clearance.
Walmart uses Certegy and causing them to lose money. I was going to shop at Walmart but due to this Kroger got my business. No one has time to play games! You stand there and roll the dice and that is stupid! Don't attempt to cash your check at Walmart unless you like to gamble with your time and money.
After waiting in line for 30 minutes to cash an $85 check from USAA because my bank was closed for the day, the computer required my social security number - which isn't even supposed to be used for identification purposes - and then declined the check. From USAA. Seriously? Like USAA has bad credit? So I called their 1-800 number and got a computer tree runaround of epic proportions. All it would say was that the information I gave didn't match their file. WHAT file? I don't write or use checks! And I know my social security number! I was not able to reach a live person.
I even looked them up online at askcertegy.com - there is no live chat feature and the contact us phone number takes you right back to the same computer tree with no live people at all available. So Walmart just lost money, I still don't have a cashed check and I will have to wait until my bank is open again and from now on, if the company tells me they do business with Certegy, I will not do business with them. That includes Walmart. So they lost more than their $3 cashing fee, they also lost a lifelong customer.
I took my 17 yr old son to Walmart last night to cash his first paycheck. He was denied by Certegy and was told that his info was not matching up for some reason and we would have to contact another company that they go thru. 3 months ago I was denied by Certegy myself for no apparent reason and the next week I was good again. This company is going to cost Walmart a lot of money because of their mistakes. Needless to say I took my son to the bank and started an account and he will no longer try and cash his checks at Walmart. Oh and the new COD game he was wanting to purchase, we went to Meijer and got it. Fix this problem Walmart or you will lose my business.
What in the hell is this bull? It is devastating enough that I lost my husband. I cannot process that let alone the fact of this ** company blocking me from cashing A small $959 insurance check that has me fuming beyond mad, GUESS WHAT! NEED IT TO PICK UP HIS ASHES! I don't care if my credit is bad. Took everything we had to survive, cancer is not free! What the hell is going on. If it is because of my credit then go after the national deficit. Lost my everything and losing everything else. Can't even process blocking a check from and death and have no explanation, just, “Sorry mam your check is denied” in front of God and everyone. Trust me I am not done here. This cannot be freaking happening in this shattered world of mine right now.
Received some redemption checks from my 401k funds. (Checks were from Fidelity Investments) None over $400. Cashed one at Walmart, no problem... First time I had ever done so. So, went there to cash another one... declined!! What?? Called number on the slip for Certegy, could never get a person. Tried to cash same check at BI-LO... lo and behold... Certegy strikes again. Called and after pressing 0 multiple times was put on hold for a person. Thirty minutes later, no answer. Checked them out online. Oh man, what a scam! How can this even be legal?
My disabled husband, who does not have a bank account only a debit card from the federal government, received a pay-out from his state 401k account today. We've gone to Walmart and Kroger in the past with no problems. Tonight, we went in to cash his STATE ISSUED CHECK and it was declined by this fraudulent company. At first when he called the number from the declined print out, it kept telling him it didn't recognize anything he was saying or inputting. Finally, he had to put his social security number in and all it stated was it was either a questionable check or his check cashing history that caused the decline. This man hasn't cashed a check in years!!!
I find it absolutely deplorable they are doing this to people!!! I will be filing a formal complaint with the state commission of Consumer Affairs, the Better Business Bureau, ANYWHERE I POSSIBLY CAN to put these jerk out of business!!! If the check was questionable I might understand but this is a state check!!! And what the hell does his credit/check /ANYTHING history have to do with cashing a legitimate check? I am now worried because he gave them his social security number. I think we should band together and find someone to help us!! If anyone knows of a lawsuit or a lawyer willing to help, please contact me!!!
I went to Lowe's to buy things and had a check (Certegy) declined. I was given a receipt and told to call the number on it. I had to use a charge card to pay for everything. The store accepted two of my checks the week before. When I called a recorded call said that maybe they didn't like the check number. I can't get a real person on the phone. What a bunch of retards. The whole thing was very humiliating and I haven't a clue as to why. I'm thinking about having a lawyer ask Lowe's why.
I just tried to cash a settlement check. The check was made out to me, all information correct, from a huge well known firm through Wells Fargo Bank. I wasn't given any reason at the store, called the number for Certegy for more information as the clerk said they could help me find out why. Still just says declined and states the generic reasons which none of them applied to me.
I have never heard of this second rate, fly by night, hopefully soon to be out of business forever company. Tried to write a check at an Academy store in the Houston area. Sales manager said the check was rejected by this hack company. I called the toll free number and went round and round only to be told basically, tough, too bad. These fast food rejects won't even allow a consumer to send them an email, I wonder why that is? They intentionally made the process much more difficult than it should be. I think that the state's Attorney General's office should look into their sketchy business practices.
It hurts me to even give 1 star for Certegy Check Services, Inc. since that is their current rating. I am sorry to have ever come in contact with this company after reading the complaints consumers have made against them. It seems it is a circus and certainly convinces me after 1 single dealing. We had carpet installed in our home on August 30th and paid with a check. The installer electronically deposited the check while standing in front of my husband and myself. They then left and everything was perfect. Then 3 days ago we received a letter from Certegy Check Services, Inc. "Stating on August 30, 2017, our records indicate that you authorized an electronic funds transfer to EMPIRE HOME SERVICES FOR $- - - as payment for goods and/or services." (amount doesn't need to appear here I feel).
"THROUGH NO APPARENT ERROR ON YOUR PART, Certegy has been notified by your financial institution that they were unable to process this transaction to your account. Some of the more common reasons that this may occur include 'read' errors by check conversion equipment... Routing Number and/or account number structure." I called the number listed 1-866-834-5125 and was assisted by a young lady who after I gave her the routing number and account number stated... "That's what's wrong, the caller didn't give the 000 that our account number started with." So he gave an incomplete account number which the bank turned the withdrawal down of course since the account number was wrong. She entered the correct account number and thanked me for calling so I thought that was the end of our dealings with this company.
Then the next day, yesterday 9-15-17 which was dated 8/31/2017, we received another letter from Certegy Check Services, Inc. stating I had authorized them to Debit a Returnee Check Charge of $25.00 from our account. This subject was never discussed and certainly not approved by me since we were not responsible for the error. It was the installer for Empire Residential that called the numbers in to make the deposit. I have called the number Certegy Check Services, Inc. said to call if there is any problem not to hesitate to call which is 1-800-588-2300 which put me in a never ending loop of choices which have nothing to do with my problem of being charged a service charge that is unfair with no way to connect or speak with a human being.
I called Empire Carpet in San Jose reference #** but wasn't given to anyone in management leaving me to deal with a person answering the phone which said she asked the manager there about the problem and he said I had to deal with Certegy since they are the one that handled the transaction, completely leaving the installer and his error out of the loop. This is a total rip off by Certegy Check Services, Inc. by expecting consumers to pick up the expenses when their Customer is the one at fault. What do they do?? Charge every single person $25.00??? What a way to get rich that is for them!! Total rip off.
First all of Certegy sucks and I will explain exactly why. I received a bank check not a personal check in the amount of $371.12 and there was no question at all that this check would not clear as it was issued from a bank. Banks do not ever issue bad checks ever. I use mobile deposit with one of the leading prepaid card companies in the country. When using the mobile deposit feature you have to enter the exact amount of the check, take a photo of the front and back and make sure it is signed by you and it is so simple a baboon could do it. I really did not have the time to go to the physical branch plus it was over an hour away so I decided to deposit this bank check by mobile deposit. I did every single thing exactly and processed the check and I had received a confirmation number to confirm the transaction.
About 30 minutes later I received an email from my prepaid card bank indicating my mobile deposit of $371.12 was declined as it was declined by a company called "Certigy". I had never heard of this company so I picked up the phone and called them from the toll free number I received in the email. After 22 minutes off pressing different buttons to do this and to do that I finally got this complete imbecile on the phone and I explained to the moron what had happened.
After providing him all the mandatory information he had the nerve, gall and audacity to say to me, "Sir, in order to find out exactly why you must send in a letter with all the information and it must be signed by you and you will receive a written response in the U.S. mail within the next 2 to 3 weeks". I asked him, "Is there a way I can email or fax your company about this so I can get this information...?" He replied, "No, Sir I am sorry but we do not accept and emails or faxes from customers". I hung up on the imbecile due to being totally disgusted. From what this imbecile had informed me I was left holding my own bag and had to send in a letter to them and I did. I actually sent the letter U.S. certified with return receipt to insure it got there. To this day I have never received any reply from this company by U.S. mail. This Certegy company totally sucks to the letter and they are the worst out there today...!
I went to the same Albertson's I've been going to for years and wrote a check for $45.55. My check was declined by Certegy with no reason given and, even though the manager recognized me at the store, the terminal would not let her override it because of Certegy. Two days previously, I had gone to another Albertson's 5 miles away, wrote a check for $29.99 and the check went through fine. The week before, I wrote a check at the first Albertson's for over $70.00 and it went through. When asked why my check didn't go through, the store told me there was no error code and I'd have to call Certegy to find out.
I called Certegy immediately and got stuck in their pathetic phone tree trying to enter my bank routing number which it asks for and it says it doesn't recognize it. I tried typing in my driver's license number, another option, and it says it doesn't recognize it. This is obviously a scam of some type running and is frustrating because there are no options to talk to a human. I tried saying "customer service," tried pressing "0" for the operator... And nothing works.
Someone needs to shut down this service as it is not providing any service at all to anyone. I have never written a bad check in my life and have more than enough money in my accounts to cover any and all of these amounts multiple times over. I expect Certegy to follow up with me and correct this problem and I expect Consumer Affairs to follow up and remove this company from being allowed to do this to people in the future.
Walmart denied my payroll check and what's even worse is Kroger denied it too. Both times and both places were reason 2 and I was given a number to call. First time I've ever been declined and the first time I've ever heard of Certegy. I will be researching the hell out of this company and spreading the word about them, Walmart and Kroger to a lot of people.
I went to Wal-Mart to cash my PAYROLL check, which was denied by Certegy. No reason as to why could be given by Wal-Mart or by Certegy. I requested a written report, in hopes of that shedding some light as to why they would not process a PAYROLL check, but am still waiting to receive the report.
I had went to the Dollar Store and bought $33.00 worth of stuff, in which I had to use a check. I normally use a debit card. The store said Certegy declined my check and never gave me a reason. I called the number and it was a recording. I still don't know why they would not cash it & why it was declined. I have never had this problem before and never had a bad check in my life. Something needs to be done with this company.
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