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Crap Company, I tried cashing a Money Order in Walmart was declined. I called them, they said now it should work just wait 5-10 min and if it still doesn't work try going somewhere else. Nothing worked.
I have been on sick leave and out of pay status for many months. Certegy uses some sort of algorithm that flags any "unusual" activity as fraud WITHOUT actually contacting the check issuer, they just flat decline to cash the check. They should absolutely NOT have this power without A LOT more effort put toward due diligence and much more transparency about their processes, and accountability for the harm done to consumers.
I used to be able to cash checks without any issues at a local Walmart, safeway, or Fred Meyer but one day I tried to cash a very standard payroll check and was informed that it was declined. The store was unable to give me any information on why and certegy just gave me a generic vague statement of why I may have been denied. It's been nearly a decade since then and I am still unable to cash a check through any company that uses certegy for check verification. I've never attempted to cash any fraudulent checks and I have no idea why I would be blacklisted! You can't even do anything about it. This company is a joke.
Crap Organization - After calling Kroger and being told we could use a corporate check to buy a gift card so our staff could purchase dry ice. Got to store and Certegy declined check. Called their non-service number and went through all the multiple questions and no reason given. Called and no service. This is a 2-star crap company and I do not suggest anyone use them.
Walmart and any other company that uses this low-level company needs to be ashamed. This company does not offer authentic check verification services. I went to Walmart to cash an insurance check from Wawanesa and the check was declined. I was mortified. I called the company and was presented with a robo answering machine type person who did not understand the English Language and could not decipher the words that were coming out of my mouth. I tried spelling my name, repeating it again and again and still..the machine robot got it wrong. I decided to download the dispute form and it dawned on me that this is a low hanging business that is owned by robots.
They want personal information DL, SS# okay but why do you need my bank's routing number when the check I was trying to cash was not drawn on my bank. I decided that I was not even going to pursue the matter because I haven't cashed a check in years and it will be a new decade before I attempt to cash a check at cut-rate Walmart whose entire business is going downhill fast anyway. They have forgotten how to treat people and keeping a service like Certegy is an indication that you want to do everything at a cut-rate Quality does not matter.
So I went to my local Kroger to cash my Disability Check, you know, the ones issued by the United States Treasury Dept. Just to have them decline me cashing it. Called the number provided, got some bogus excuse from an automated message about history etc. So from my understanding, I have not had to cash a check in 2 and a half years so now I am a cashing risk? It said to take it to the financial institution.... Hard to do with a Check like that. This company makes it difficult to get your money and is bad for the businesses that use it. Was gonna buy something from the store I was at, but that went out the window, like me cashing that check....
Not only do they make decisions that have no basis in logic, but when you ask them to explain, they start making nonsensical excuses. I got “Walmart doesn’t have the money to cash the check”. I then asked how they got Walmart to let them know how much cash they had on hand, I mean, for them to know that in real-time in order to suggest a denial of a payroll check, drawn on the super small, mostly unknown JP Morgan Chase bank is pretty interesting.
Walmart and Fry's Foods denied cashing a $350 check from Ameriprise. Denied at both places, then later found out they both use the same bogus company for check cashing service. No clear explanation, just a, "no, we can't cash it." Then I call the number and it has no idea who I am, offering me choices of places I lived which I never did or it was so long ago and such a brief stay. I could never remember those addresses and zip codes from 25 years ago!
I just hung up after 3 or 4 questions that didn't pertain to me and had no option to get a correct answer. Then confused me with my dad who I am not a Jr. But since they only use a middle initial (how stupid is that when they are trying to prove you are who they think you might be) which could include hundreds of possible middle name variations for the letter J. How do they think they'll ever be able to tell people apart. I do think that this is the root of all their problems. You simply cannot expect any exact results when you do not even know the person's entire name, this allows a huge margin of overlap where there clearly should not be.
My middle is James while my dad was Joseph, not a Jr. and should never have come up as 1, I had no way of correcting it and didn't really much care after I was exposed to how non specific their data was compiled and the margin of error being as high as it could possible be simply made their info incorrect right from the very start. How anyone could think that they can compile a database not knowing the full names of the people they are judging is beyond my comprehension. I do believe that each and every person who has been denied is due to this vague matching that they rely on to pass judgment.
I went to Michaels to get a project framed and wrote a check. It was declined without any reason and I was told not to use my check there in the future. I called Certegy when I got home and could not speak to a live person and they wanted all kinds of information from me which I did not give. The store did accept my ATM card which is from the same account. I have never had a problem with a check. This company is a fraud and should not be in business.
Been shopping at Smiths for a very long time, never been denied writing checks there. Went to pay for my groceries and they told me I needed a different method of payment and no reason why. Called Certegy, automated and required all of my personal information. Since they refused my check, I thought they would have all that info on me. I hung up and decided to go online to see what this company is all about. Boy am I glad I did. Everyone has had the same experience as I. So, I would like to say to Gary of NC if you should decide to do a class action suit against these people, please include me.
This compassionless company assesses check cashing risk factors for many grocery stores nationwide but has completely failed with it lack of response to COVID 19. I’ve been waiting 8 weeks for unemployment. Now I finally get it and I can’t open a bank account due to corona and thanks to this company and the state of Oregon I get to cash 2 checks every 48 hours.... maybe since each check has its own algorithm.
So if your inept government officials decide to send 8 checks to you with the same date and you don’t have a bank account plus you're 2 months behind on your bills because of a worldwide pandemic. Certegy doesn’t care. They have to protect Walmart, Safeway, Albertsons food4less.... etc. Most big name chains across the U.S. from the risk of me paying them to cash government issued checks!? This isn’t right especially given the current pandemic. The store manager should at least be able to override this decision made by computers right?? You can tell that the people at the counter most the time generally want to help you but their hands are tied and Certegy probably gets a payment every time they suggest a decline. So there is obviously incentive there I’d assume. I’m Definitely no finished exposing this company for what it’s doing to people in dire straits.
Went to Walmart to cash a check written by Walmart retirement account, drawn on Bank of America account (check has Wal-Mart/Sams logo top of check). Was declined. Called # on receipt and recording said they were unable to capture some important information, try again. So got back in line only to be declined a second time. Went online trying to get an answer and response was “some important transaction information was not captured in our system. You may try your transaction again.” Seriously, a check written by Walmart to a Walmart employee can’t be cashed at Walmart. What a joke.
I have been writing checks for 40 years and never have had one declined. I went to my local grocery store to shop, upon checkout my check was declined by Certegy with no explanation. The manager did an override and accepted my check. This has happened twice this month at the same store. I call Certegy and cannot speak to a person, not one reason is given on their automated system as to why I was declined. The store manager also called and got the same useless information. The store manager said he will just continue to override as he knows my checks are good. Stay far away from this company.
I attempted to cash a money order at Wal-Mart. The money order is a form of collecting rent so I had cashed a few at another Walmart location and deposit others at the bank. I went to a different Walmart location today and the money order (purchased from another Walmart) was declined by Certegy with no explanation. I think the company has poor practices. When I called the number I was asked for my bank routing and account number, social security number, and driver's license number. It really sounds like a big phishing scam. Everyone affected should save the receipt print out Walmart or any retailer provides when Certegy declines your check or money order.
Went to Michaels to get a picture framed. I wrote a business check to finalize the transaction. The picture is for the office. The check was declined. I used a debit card from the SAME account to pay. I called the Certegy phone number given to me on the receipt. Could not get in touch with a person. Still don't know why the check was declined. Found out I was "eligible to receive a record of my account". All I had to do was give my SS number, drivers license number, bank account and routing number. I do not get a good feeling about any of this. I hung up. Do not feel good about this company. They want too much of my information and I have no information about them. I would rate them a ZERO.
I had fraudulent charges on one of my credit cards, so I decided to use cash or personal checks as much as possible. On Feb. 26, 2020 I wrote a personal check for $66.50 for food at a Kroger store. The transaction was denied. I have been shopping at this particular store for 20 years. I went to the bank and there was no problem with my account. I called Certegy at the number provided on my receipt. Got an automated system that said use another method of payment. Could never reach a menu to talk to a live person. I also tried their website and go the same runaround. (No live people). They made it sound like it was a problem with the store.
Went to customer service at the same Kroger. They tried to run the same check and also a blank check. Both were declined. Service rep shrugged her shoulders and said maybe the system was down. Offered no other assistance. Sounds like I may have to wait 30 days to see if the problem is resolved, according to other reviews I have been reading. Thanks Kroger for all the help. I will no longer be shopping at your stores. I do not think management realizes consumers have a choice of where they purchase items. I suggest you quit using Certegy, their reviews, and services, are awful. I have the Kroger receipt for contact info for Certegy but do not have tie technology or knowledge of how to download it.
I went to my local Walmart to cash a check from a well-known Business on 03/2019 it was denied. I also went to my local Walmart on 02/06/2020 to cash a check from a well-known Business and it was denied. This was humiliating, embarrassing to say the least while about 10-customers were standing in line behind me. I am a law-abiding citizen but this made me feel as if I were a criminal. I watched other citizens cash there checks with no problems. I need to do some shopping for items while at Walmart along with getting my prescription filled and paid for, but that didn't happen thanks to Certegy Check Services. I was pissed so I called the 800 number on the receipt and ordered my report.
I received it yesterday, and there was nothing negative listed, actually nothing at all. I have researched and investigated Certegy Check Services. Wow at the complaints I have found similar to mine and everyone else who complained on Consumer Affair Website. I am a Pro Se Attorney which means I am not a licensed Attorney. It just means I can represent myself in Court as anyone else can, but you have to abide by the same rules of civil procedure as any Licensed Attorney in Federal Court or State Court. I have sued debt collectors for robocalling my cellphone for the wrong person. And I have sued other Businesses for violations under consumer protection laws. It looks as if I will be suing Certegy next. I work with a network of Attorneys in several states most of them practice in the field of Class Actions.
I may reach out to one of them concerning this matter. Walmart and other Businesses should be just as responsible for using this Business. If you advertise check cashing services but fail or denied a check to be cashed by a law-abiding citizen then you're just as guilty. I would suggest these Businesses use a different third party besides Certegy. It is also worth noting that the FTC sued Certegy back in 2013 in which Certegy settled for $3.5 millions.
On Jan. 3 I wrote a check for $19.95 to Penney’s for a purchase. On Jan 10 I wrote a check to Kroger that was declined. When I finally talked to a real person I was informed that the check I wrote on Jan 3 was returned and not paid by my bank. I promptly called my bank and learned that my check had never been presented for payment on my account nor had it ever been refused. They keep logs of requests for payment and checks that they decline. I went to Penney’s and asked then to check out the transaction on their end. I was told that “they don’t make mistakes." That because I tried to cheat them out of $19.95 I was now going to have to pay an extra $20 over the $19.95. I went back to my bank to see what they needed to try to clear up this mess. They requested that I get a copy of any documentation they had showing that the check had been presented for payment and returned.
I went back to Penney’s and talked to them again, got a copy of the receipt since that was all they have in store. I went back to my bank and as they are trying to trace the transaction from their end, Penney’s check cleared. It literally popped up on the screen as we were looking at it on the bank’s computer. So after Penney’s presented my check for EFT on the 15th it went right through.
I called Certegy to see when they were going to take my account # off of their decline list and was told that it would take 8-10 business days after Penney’s notified them that my check cleared. So finally by Jan 31, I could use that account again. This company is the cause of 1/2 the cash problems in this country. Had I been a young wife and mother, I would not have been able to use this account for a month. I have talked to several people I know and they would be in serious trouble. They would not be able to feed their families or pay any bills. I seriously feel that they should be as closely regulated as banks are.
My wife went to Kroger's for weekly groceries. She was told our transaction could not be completed. She called me crying because of the embarrassment. When I called the phone number, I was given no explanation. By the way it was not ISF. What is this company?
My check from the STATE GOVERNMENT was denied at Kroger. No reasoning why. This system is trash and should be out of business., Took it to the handy dandy liquor store down the street since my bank was closed. Shame on this company and anybody affiliated with it. They should be out of business. How are you going to deny a check from the government? What, they don't have enough funds or something????
Certegy is a fraud company - possible bad check. I purchased a Western Union money order with cash from Kroger’s. The next day I no longer needed the money order. Kroger’s customer service informed me that my “check” had been denied. What check???? I gave Kroger’s cash. Nevertheless, I was given my money order back along with an Kroger’s receipt.
Long story short, when I called Certegy Check Services (info on the bottom of receipt) I was asked for the following: My name, SSN, DOB, license number, and, address, and phone number. I asked why? That’s enough of my personal information to commit identity theft, file taxes using my SSN, and who knows what else. I gave none of my information; hung up. There were 183 complaints like mine on Certegy with the Better Business Bureaus (BBB). I now know that Certegy was ordered to pay 3.5 million in 2013 to victims. Certegy collects consumers' personal information and sells that info to other businesses. The Federal Trade Commission is aware. Now the FTC has my complaint too.
Bought a Western Union money order at Smith's and went back to same Smith's and was told they can't cash it and I have to call Certegy. Can't get a straight answer from anyone and now I'm out 250 bucks. What the hell is this mockery!?!?
I wrote a check for 56.68 today at a local sporting goods store, only to have the check declined. Code 2. Code 2 means the transaction is outside the parameters of authorization, whatever that jibberish means. Thankfully I had enough cash on me to pay, but it was pretty embarrassing to say the least. I went to my bank to see if there was any problem with my account and was told no and I have ENOUGH money in my account to cover the check. I called the Certegy number, but that was worthless. More jibberish with no specifics. I just hope this is not a trend, as I write a lot of checks and this is the first time in my nearly 67 years on earth I have ever had one declined.
My company changed over their payroll system but did a piss poor job of notifying employees that direct deposit information would not port over so we had to re-enter. As a result for one pay period I got a paper check. The check didn’t arrive until Monday after the usual pay day on Friday. This put me one day away from being late on rent and having to pay a late fee. Because we get our mail so late the bank the check was drawn on was closed so I decided I would go to Walmart and pay the 8 bucks to cash the check because that was far less than the late fee. Couldn’t cash because the check was declined by Certegy.
I call their number and was able to find out absolutely nothing about why. If whatever algorithm they use decided that a pre-printed payroll check drawn on a Bank of America corporate account is too risky to cash then their algorithm absolutely sucks. This company is complete trash and they are screwing a lot of people and costing them tons of money.
I purchased a new Ford truck and made a 13,000.00 down payment. At the time I had over 24 thousand dollars in that account, a USAA money market account. 12 days later Certegy called me and informed me they could not process that check because it could not be processed electronically. I called USAA to confirm that and they told me they have never had an issue like that. I wrote another check from another account and Certegy rejected that on the basis that my previous check was rejected. There was never any issue of insufficient funds in my accounts. Certegy told my my check writing ability was curtailed for a "check that did not clear."
In other words, they made an error and then blamed me for their error. They claimed the ford dealer received the funds from them. Ford told me they did not. I put a stop payment on the previous check because I did not believe what they were telling me. The situation was resolved when I sent them another check with assurances the previous check was not collected from my account. This took all day to resolve. Ford tells me I am not the only customer who has had inappropriate issues with Certegy. I will never again deal with any car company who utilizes Certegy. What happened is not the fault of Ford other than the firms they choose to do business with. I recommend car buying customers ask their dealers if they do any business with Certgey and if so consider going to another car dealer.
My mother, who is 88 years old picked up her prescription at Kroger today and wrote a check for $330. She has written checks here for years from the same bank and never a problem. I suppose Kroger is now using Certegy because her check was declined and we were given a number to call in which we had to give bank information on an automated system. She does not have a smartphone so it was a good thing I was there with her. There was no explanation given and we were told we had to use another form of payment. I had to use my credit card. Afterwards we went to her bank to complain and they told us they had had several irate customers say the same about Certegy. Kroger has lost a loyal customer of 70 years (and myself) due to this company's policy of denying checks.
My bank sold out to another bank and now they will not okay my check. First I call Certegy and I got some mumbo jumbo about guidelines they set. Have tried 7 times and it still declines it. Kroger said I met all their guidelines and don't know why. Got my report. They send if you ask. It still didn't answer the question. Their report has "birth year: and it said no information on file". It seems funny they okayed my check at other places, just not Kroger. I will continue to shop at Krogers and keep trying to write checks until this company gets it act together.
Certegy declined 2 of my checks recently. Have absolutely no idea why, they do not check with your bank to determine your funds availability. Seems they take it on themselves to determine if check should be declined. I'm 72 and have never had a check declined in my life. Credit score is and always has been Excellent. Of course, I immediately called Certegy. Was unable to speak to a person, in order to find out why my checks were declined. I was to give SS#, License#, etc. Never having heard of this company before I was not about to leave all that information on a machine. I am floored how this is permitted to happen.
This company is absolute garbage at what they do. I finally get paid after a 60 hour week and I go to the local check cashing service area and they go, "Hey Certegy declined it." So I call and they say they’ll review every check from then on. I try again. Declined. I call again and speak to an actual human being which lasted 30 minutes after being on hold for 15 and she just tells me to go somewhere else and try it. So I did that. Declined again. Buddy tells me to call certegy. They told me there’s nothing they can do about it and to go somewhere else. What does this company even do? What are they good for if not cashing checks They are worthless and a complete waste of time and money to anyone considering them. If I could rate them 0 stars I would because they’re so trash.
So, my boyfriend (who works in surgery for a Trauma hospital mind you) go to Kohls today to do a little Christmas shopping, we have our 13 yr old with us. We look around and finally decided on our purchases, (mind you it came to LESS than $90.00 total) and he writes a check for it, which we are then told it's denied by Certegy. So I look up the # and call them, find out that it has to do with a check we wrote at Jcpenney back on November 19th. Which btw CLEARED for Jcpenney on their end the same day, (verified because I had the manager from that store PULL THAT TRANSACTION) and then had my son take pictures of our bank statement and text to me (we just got the statement on FRIDAY NOVEMBER 29TH), AND GUESS WHAT? IT CLEARED OUR BANK NOVEMBER 29TH @ 6:36AM.
Call these jerks back, and I have all the information, and guess what? We get told, "Oh, it will be 8 days before it drops off, you can't write a check for 8 days." Okay by this time I'm beyond pissed (I might have cussed a little) and so they hang up on me, so I call back, same thing, so I come home, log on to their website and next thing I know, THERE IS NO RECORD OF THIS ON THEIR WEBSITE. According to the same info I gave them there was never a bad check or anything. THESE PEOPLE ARE MESSING WITH THE WRONG PERSON.
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