Certegy Reviews

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.

My went to a dollar store and wrote a check for 28 dollars. It got declined..they tried again and she wrote a second check. It got declined so I called my bank and they were not sure why it got declined. Come to find out it's this crazy company. So I called their number. No answer. How shocking. I called Dollar General with no help. I called the number they gave me. No help. But they did give me a new number to call. I asked if I was just getting passed around. So now I will try it. But it's not your business to know how much I write checks or even how much they are for just if they clear. Nice job.

Earlier this year filed a complaint against Certegy with the FTC. Now my card that has never been declined gets declined by Certegy, I can not get through to anyone in Certegy card services, I was able to get through to Certegy check services who is unable to give me the number for the card services department or the number to the CTX operator that would know the number for the card services department, they are even unable to transfer anyone to the correct department, the company has made it EXTREMELY difficult to get to anyone that can assist people and when you do get someone they have no information.

Walmart will sell you MoneyGram money orders and use Certegy as a third party no name company to deliver fake reasons for not cashing the same Moneygram money order. Stealing cash and then refusing to return it is criminal.

I bought a MoneyGram from my local Walmart and a few days later I really didn't need it. So I had my sister write it out to me and it was declined at the same Walmart that I purchased it from. You call the number on the decline receipt and there is no way to talk to a live person. I have the stub for the check but because I can not find the register receipt they will not cash or give me my money.

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.

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 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.

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.

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.

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.

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.

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 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."

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.