Certegy Reviews

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..

They are so bad. The long drawn out robot that can't hear anything and just ends up saying, "Sorry I can't help you, call back at another time." I went to Walmart to cash a check which I have not had to do in years, but it was declined for no reason by this trash comp.

They have a faulty service algorithm that is not correctly identifying checks thus improperly declining good business checks causing undue hardship to the person who has to pay more by using someone else to cash a perfectly good check. They are not equipping the floor representatives with enough information to understand the decline in a logical and comprehensive way at the time of the transaction. They appear to be more in the business of giving a person the run around versus ethical professionalism. They should give a person the right to speak to a US representative versus an overseas person and at the time of the transaction decline not several hours later after the fact.

Absolutely garbage customer service. They have the most long winded, drawn out recorded voice and instructions that can barely comprehend what's being said. They have vague and unhelpful answers and just getting to those useless answers is way more trouble than it's worth. Getting an actual CS rep was not possible, so I am left with no answers.

Certegy suggested that my check at Kohl’s not be accepted FOR NO REASON. Upon calling certegy’s phone number to find out why, I had to provide my Soc sec #, routing #, account # in order to find out their reason… To no avail. I have had serious ID theft in past years & I'm worried it has happened again: so I must find out specific reasons for the refusal. There are no details ever provided and I’m still panicking thinking someone has my private information cashing bad checks AND NOW Certegy has my info and I’m unsure whether they’re for real themselves. How can this be allowed??? I repeat, I had plenty of money in my account, have never bounced a check…so why???

No good reason to refuse a paycheck other than 20 reasons it might be. Call them is a waste of time in a phone tree. They will not allow you to talk to a real person. Creates bad attitudes between store and customers. I WOULDN'T RECOMEND TO ANY STORE OR CUSTOMER. PLEASE SHY AWAY FROM DISCOURSE BETWEEN YOU AND YOUR CUSTOMER BASE.

They claimed a check I wrote to TJMaxx was not paid and I was denied writing checks at other stores because they lied. My check did clear and they could provide me zero proof it didn't while I provide proof it did. This company is the worst and I will never buy anything from any retailer who uses them!

I am a widowed mother of a 13 daughter and I own my own small business. Therefore sometimes people pay me with checks. I have cashed hundreds through Certegy and then a customer gave me a bad check and I of course didn't know it was Bad so I took it to the Western Union at my local Krogers as I always do and they cashed it. Fast forward a week and said check bounces and certegy puts it under investigation I comply by giving customer's name and number and any other information they needed as well. Certegy apologized about my current no cash any check ban but assured me in less than 30 days they would complete and resolve this issue for me.

Yesterday I made a quick stop by Dollar General for a Dollar General gift card, birthday card, and some laundry supplies. After I wrote a personal check, the cashier informed me it was declined. I was shocked because I have never written a bad check to Dollar general and I knew the funds were there. I paid for the purchase with my debit card with no problems! I do not want to give this company all my personal info to get an explanation that will probably still end up being unclear.

Went into Lowe’s to buy a chain saw. My check was declined. Call Certegy and got a ** answer why my co check was declined and in 40 year I never bounce a check. This co is bogus. Company should be shut down. Have no idea what they are doing.

I had a MoneyGram money order that I bought at Walmart get lost in the mail. Moneygram sent a replacement. Certegy denied me cashing that at the literal Walmart I bought the original money order from. I called and got some super generic reason from robo voice mail which did nothing to explain the denial. No way to reach a human rep btw.