Certegy Reviews

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.

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.

I went to Micheals to get a painting framed - check denied! I have plenty of money in the account of which the check was denied at Micheals. The denial ticket gave a number to call which I did (I was angry and afraid maybe someone hacked my identity). All the acknowledge is that the check didn't meet their (heretofore) nebulous requirements! No other explanation and they said my bank balance didn't matter! I paid for the frame with my visa, but I was embarrassed. I noticed a lot of others have the exact same issue with this strange company! I am going to notify Micheals so they don't lose business because of the ineptitude of Certegy. Additionally, class-action lawsuit because of this?

I went to Targets today for some purchases. I on occasion will write a check, the amount was $164.32. The check was denied. I have plenty of funds in my account. I was lucky that had a credit card on me, I felt humiliated. I was told to call Certegy, they wanted my personal info, not happening with me. I went to customer service for answers, I needed to speak with a manager. I was told because of the amount of the check, it should have been a smaller amount, reason I have never written a check there. Are you kidding me? I took a pic of the store policy, makes no sense, So I think I will return my goods. Your loss Targets. I will let social media know of their policy, good luck Christmas shopping folks. Veronica **.

Avoid all merchants that use Certegy for check verification. Michael's denied my check and I called Certegy at 1-800-770-3792 to ask why. They said nothing you did. It just goes on logarithms and a person may have came in and wrote a check for the same amount and the check was bad so we recommend to Michael's not to take your check but it was nothing you did. So I can shop at Hobby Lobby or Joann's. I certainly don't need to shop at Michael's. Certegy will make Michael's continue to lose business because I will be the best type of advertisement to make it happen because of Certegy.

Recently my account had charges on it that I did not make so I had to have a new debit card sent to me. Meanwhile I'm out of gas so I went to a Holiday gas station and figured I'll just write a check. I don't usually write checks and really cannot remember when I last wrote a check but always keep checks with my current address. I keep my credit in good standing and all my bills for years!! I have a 740 credit score and well. Certegy denied my check cashing with really little to "none" explanation. I hope Certegy didn't just ruin my credit. This system is a false negative and should not be used. At the time I had 2000.00 in my account and the check was denied for 55.00. : (

Due to hacking, I didn’t get Direct deposit on pay day like I was supposed to. My company issued a paper check to all employees the following day (today. A Saturday). I have a life outside of chasing down my money and couldn’t get my paper check prior to banks closing at 12 due to commitments I couldn’t get out of. I go get my check and take it to Walmart to get money to pay my bills due and get groceries for my kids. Denied. Now mind you, I usually go through my bank and have zero negative marks on my record with this company because I DON'T USE IT!! I call the number and it gives this vague, bull crap reason for denying cashing. I leave, try Kroger and they're on the same stupid check cashing system with the same vague response. I’m frustrated and pissed and now struggling financially because I can’t get my paycheck cashed/deposited to use funds until Monday.

I went to Walmart to cash a student loan check from a federal credit bureau and they denied it because they said some company named Certegy denied it. They said they knew the check was good but it did not meet their requirements. They gave me a number to call and when I did after giving all my personal details got to talk to someone. They said everything checked out and the check was good but it was denied because it did not meet the requirements. I asked them to explain and the lady said that’s all she could say and the decision was final. She said it’s probably because I do not use their service a lot. Hell how can I use it at all if they are going to deny me the first time I try to use them. They have lost my buisness for good!!!

Tried to cash Treasury check at Walmart. Certegy declined. Called ph number, advised my drivers license info invalid, then asked me for A LOT of personal financial data in order to ...? I declined to give them anything more than they already had and requested a copy of the transaction transcript regarding my drivers license (which is valid). Is this a scam to obtain consumers’ personal data when they call post decline? Are they a clearinghouse gathering information to sell? Advice: google which businesses utilize Certegy and avoid. It’s a sad day when a chump change company declines a US Treasury check for no reason other than to fish (phish). I did file a complaint w the BBB.

Ok, Yes I am a long time cash checker at Walmart. Today my check was denied. I find out that my last paycheck was returned. Walmart gets paid and it is Certegy who needs to get their money. I filed a claim stating it was the company who wrote the check who was responsible. They will contact the company and in about 30 days my name should be cleared to cash checks again. You need to ask the right questions to get good information. There is always a reason. I contacted my company and told them to expect some communication.

Yesterday, I forgot my debit card in the atm machine and it ate it. I have to wait for a new card to come. Today, I went to Dollar General to pick a few things up and my check was declined based on information provided by Certegy. I have never had a bounced check and have banked with my bank for 24 years. I also have overdraft protection. When I called Certegy, I went through the automated line which then sent me to a customer service rep. The customer service rep hung up on me before I even got a chance to discuss the matter. Good, responsible people should not have to be embarrassed for no damn reason at all.

I went to cash an off cycle paycheck at Walmart because my bank was closed. Never had any issues before with check cashing and all of a sudden it's declined. I called the number on the receipt and entered the reference number, and the automated system says that they didn't know why it was declined but the decision was final. WTH kind of company denies a check, then says they don't know why it declined? Lesson learned just go to my bank and save myself the headache. How they got multiple stars is beyond me, and don't try to speak with a live rep because you'll get hung up on each time because the automated system wants all of your personal information.

Yesterday Belle Tire came to our house to replace a windshield. We wrote a check and were told it was declined. The fact that we have good credit and adequate funds in our account didn't matter. I called Certegy and there was no avenue to speak with a live person. I looked on their website to learn why our check was declined. In order to get a report from them, they wanted me to provide my name, bank account number, bank routing number, license# and SS#. WHAT!!! This ALONE should be illegal. On their site it states that they cannot by law deny any checks. They simply supply a recommendation to the companies who use their service. If anyone has info how to fight back, I would love to know.

As with all the other complaints on this site, I too was waiting for a new debit card, and had to write a check at a local Dollar General. My check was declined by Certegy. NO explanation. When I call the toll free number to find out why, I am asked to enter ALL of my personal information. My SS number, my driver's licence number, my address, my bank routing number, my bank account number. WOW talk about handing over all of your personal information for fraud....no thank you. I'll get cash from my bank and wait for my debit card. UNNECESSARILY declined!!!!

Check was declined at the grocery store. My husband and I have perfect credit and there was $2000 in the checking account at the time. We have had that checking account for 40 years. Are you kidding me? Someone needs to investigate this company. Something is very very wrong.

Certegy has absolutely terrible service. I wrote a check that was declined even though I had more than sufficient funds. I was directed to Certegy to find out why. I contacted them numerous times by phone only to get an automated voice and never being able to find out the specific reason why it was declined. All I wanted was a person to talk to to get this issue resolved. Nothing. How am I supposed to resolve the issue if I don't know what the issue is exactly? What is going on there?

This company declines completely legit checks and they really should look into updating their system because it causes people a lot of wasted time & aggravation ++. How can the company decline a Federal Income Tax check? Government check? Like really? How hard is it to implement additional data/values to the algorithm to differentiate such checks and alike.

I went to the local Tops supermarket to cash my paycheck. This check is written on a local bank and created by Paychex company. The cashier in customer service told me I was declined and gave me an 800 # to Certegy. There is no human at that number. I requested a report and they say it will arrive in 10-15 business days. After that, I learned I could take a picture of my check and apply it to my American Express Serve card. I did that, it took 1 minute for the money to apply. I could have gone to the bank it was written on, but my lunch break was over.

After being a loyal customer of our local Payless in West Lafayette, Indiana, for 3 decades, I will be taking my business to Meijer, Walmart, or Fresh Thyme. I was mortified when Payless via Certegy declined the check I had written for my groceries. After calling Certegy to receive an explanation, all I got was an automated phone service which irritated me even more. At the present no one was able to give the me, the consumer whose check they will not cash, an explanation. I shop at that Payless store weekly and at this time I decided to write a check.

Lowe's would not accept check because of Certegy. I called and was told check was at a risk factor even though there was no outstanding checks against me or anything else. The check in question was for 409.00 and my account has over 6000.00 in it with overdraft protection. This was not a good enough explanation to not take check. All stores that deal with Certegy should immediately get rid of them. If my check wasn't good enough what will they do next???

Our company wrote a check to NTB for repairs and it was declined. I spent an hour scouring through our banking information to find out what happened, we have no negative history regarding our banking information. This is quite a conundrum considering that our bank is right across the street and the money is there, but they now want a different form of payment... which will be our debit card, which is a direct withdraw from the exact same account that Certegy is declining.. Go figure!!! How in the world this company can claim a 4 1/2 star rating is beyond me as when I scroll through their reviews and see nothing but 1 stars. The merchants using this service is being ripped off for sure!!! As the owner of a service related company who accepts checks on a daily basis I am so glad I have learned a very valuable lesson... STAY AWAY FROM CERTEGY. THEY ARE NOT RELIABLE.

Same exact experience as everyone else. Went into a Money Service, this being Fred Meyers which uses this joke of a company Certegy. Check was a US Bank payroll check from the delivery service I work for for less than $500. Like everyone else, never had any check cashing issues in my entire life - and I have used money services before but this was my first time using Fred Meyers (but not Certegy, as I've used Wal-Mart money services which uses Certegy). So the "not cashing often" excuse is a little lame considering I couldn't even do it my first time, so how could I build up a history of cashing checks through these...people?

I'm boycotting Lowe's for using Certegy Check Service, and asking everyone to boycott all Lowe's. We wrote a check at Lowe's in Kennewick WA for $65.91. I realize most people don't write checks anymore, but we do. Our Lowe's wouldn't take our check. It was decline. We were so embarrassed, and humiliated. We had people listening to the clerk tell us our check was declined. We ask to talk to the manager. The manager Cassie came up and she said that they wouldn't run it again, and we ask why our check was declined, and she said we would have to call Certegy Check Service at 1-866-792-7515. We went home and tried to contact them twice, and was disconnected after answering a few questions.

I took a taxi to my local Walmart on a Saturday, after calling to verify they cashed insurance checks. I waited nearly 30 minutes in line only to have the check declined by Certegy. I asked her to please try again, she did and once again, declined. She gave me a receipt, told me to call the number for their reason. She then told me it was likely because I don't cash checks there often. Seems to be the typical response from the reviews I have read. I call the number and get some vague automated message telling me that either the check or myself did not meet their criteria...

I went to my local Kroger's for groceries. I have shopped this store for the past 26 years but I left my debt card at home so I needed to write a check. Certegy denied the check when I had over 2K in my checking account. I discussed with the manager, showed her I have money in my account and nothing could be done. This is poor business practice and because Kroger's uses Certegy; they lost a long time customer. If you call the number on provided, you get stuck in a circle of BS that ends up telling you the check did not meet the requirements. What the heck does that mean? This company is crap. I feel bad for the companies using this service as they will be losing customers non-stop.

I've never had any issues cashing checks in my life. As a matter of fact, this is my second GoFundMe campaign and I had no issues cashing the first checks about 2 yrs ago. Today, I go to Walmart with my VERY much needed GoFundMe funds and it was denied. The cashier told me I needed to call a number on my receipt to straighten it out. I called and gave Certegy the number on it and all they said was my check was denied and the decision was final. Then went on to say I could dispute the decision within 60 days. That's it. I left with my uncashed check and sick with worry!! I start Googling and find out this company is not even credited. How in tf can a company tell me my check is denied that's not even accredited?? I suggest anyone who has a check to cash ask if the place uses this company or not. I definitely will be!!

I went to Lowe's to purchase quartz countertops. I tried to pay the $5,118.08 with a check and had more than enough funds in the checking account to cover this small amount! Lowe's declined my purchase without any valid reason and handed me the phone number for Certegy saying to contact them. The clerks at Lowe's made me feel "less than" because my check got "declined", even though my checking account has $42,000 in it!!!! Then when I called Certegy they asked for my driver's license number, Social Security number, bank routing number and bank account number and the automated voice said it would take 7-10 days to get a report to me. There's something illegal about all of this. And I had to give one star in order for this to get posted. It actually deserves negative stars.

I wanted to buy glasses at a JC Penney's Optical Service in Santa Rosa, CA. Because I have purchased my glasses there for many years, I expected to be treated the same as I have always been treated. When they put my check through the scanner, it was rejected. I have an excellent record for cashing checks. I can't understand their reason in or rational, but I am feeling this company is scamming a lot of businesses, judging from the previous comments.

Certegy refused to cash a good check from New York Life Insurance, at a Walmart store, even though I had proper ID, have written checks at that store with no problem, and even cashed another insurance check there 6 months ago. However, before they make the false claim that they can't cash your check they gather enough personal information from you that someone at Certegy could easily apply for credit in your name. If you try to call the automated number to find out why they refused to cash your check they try to collect a ridiculous amount of personal information. I hung up. If you get conned into giving these shysters your personal information pay very close attention to your credit report to be sure they're not pulling an identity theft.

Received my MA State tax refund check. I went to Walmart to cash it. After standing in line for 20 minutes the employee at the service desk tells me the check is declined. She thought it may be because I don't usually cash checks there. She tried it a second time and it was denied again. I was given the receipt with a reference number. She said I would need to call them. I called and went through their system and sat on hold to speak to someone. After giving her my information and the check information she stated that it was denied because of the issuer. She then told me I should contact them and have them call a number she provided to me. Certegy Check Services, Inc., P.O. Box 30046 Tampa, Fl. 33630-3046 1-866-278-5478. Certegy Consumer Affairs Unaccredited Brand. This company is not yet authorized. To learn more, see reviews below or submit your own.

Absolutely no problem with Kohl's. Fantastic store clerk, fantastic customer service representative who listened to me complain about Certegy Check Service, Inc. Never had a bad check, check written off Bank of America, money in the bank. You call the 800 number to Certegy, and they want all your information. I hung up on them. The check service is wrong. I am lucky, I can charge, but trying to get away from that. This check service needs to be checked up on.

My disability check is live check. Went to Kroger last week and cashed with no problem. Received another one this week and it was denied by Certegy for no reason. They claim they cash checks, but obviously will only cash one for you. It makes no sense. It through Guardian Life Insurance. From reading these reviews Certegy is stopping others from being able to get their groceries by writing checks too for no reason at all. People are leaving the cart then going to the bank to get money. I cannot believe that’s how they treat loyal customers. Kroger is doing nothing about it. Guess I’ll never shop there again.

Started new job in middle of pay period, so missed cutoff for direct deposit & had to have payroll check mailed. Received on Saturday after my bank closed. Tried to cash at Walmart & Fry's (Kroger) and declined at both by Certegy!! WTH FOR? Check was from UnitedHealth Group, one of the largest healthcare orgs in US!!! Drawn from Bank of America--another large bank in US! Admittedly, I don't usually cash checks outside of my bank, but due to circumstances, I had to. Did automated system 2x and spoke with agent who collects all this info only to give you a vague response that "you don't meet the criteria" WTF?!

I have money in my to to cover the check and plenty more. They declined my check for no good reason. Certegy is trash. I am considering a lawsuit against them. This is absolutely ridiculous. They should be shut down.

This check cashing service is garbage! Declining perfectly good checks is ridiculous. So tired of this garbage ** service. If I didn't have to use them I wouldn't. The bank my checks are drawn off of are not here in Jonesboro, AR. Maybe if they get enough bad reviews they will shut down this check verifying service.

I went to Walmart today to cash my federal refund check and the lady behind the counter says that it's been declined, how is this possible since the check is from the federal government... Certegy is how and even though I just cashed a check there on Monday, Certegy decided to decline me today and for no real reason. When the woman tried it a second time and it was declined again, she gave me a receipt with a number to call and it was an automated system that asks for way too much personal information and has no answers to give except try the bank that the check is issued by!!! Awful system and I recommend not even trying, I seriously feel like I was just scammed.

We are in the process of building a house and bought supplies at Lowe’s in Morristown, TN. Today, Sunday 3/19 we went to get supplies. We had been there the previous Monday and I bought $700+ worth of supplies paid with a check and no problems. Today when we start to pay we had 2 gift cards worth $200 we used, so our total was $500. They said our check was declined, very embarrassing. We wrote a check on another bank, they said it was declined. Lowe’s did not try to help, gave us a number to this Certegy and we called them, exactly how everyone described above! Sad part is we gave them info we shouldn’t have. I’m reporting them to Better Business Bureau. I wouldn’t even rate if it wasn’t required.

I made a purchase at Lowe's in Ft. Oglethorpe, GA. I was going to pay by check. My check was not approved by their check approval company, Certegy. There was no reason for it not to be approved. I've never had a bad check, I had the money in the bank and I've written plenty of checks before with no problem at Lowe's. It was very embarrassing. The only reason Certegy gave, was that there was not enough information on file. It's funny that there was for purchases totaling more than that purchase. After my check was declined, I then used my debit card on the same bank account and it went through with no problem.

REALLY sketchy. My business got a letter stating that some person cashed a check from us and they want the $100 that was declined from the check. Only way this sketchy company could verify the transaction was by getting me to reveal our routing and checking number or the principal's social security. SKETCHY, will be hearing from my attorney. I would give NEGATIVE 1 star if I could. Really bizarre.

I received my MA State tax refund check. As it is Saturday and my bank is closed I went to Walmart to cash it. After standing in line for 20 minutes the employee at the service desk tells me the check is declined. She thought it may be because I don't usually cash checks there. She tried it a second time and it was denied again. I was given the receipt with a reference number. She said I would need to call them. I called and went through their system and sat on hold to speak to someone. After giving her my information and the check information she stated that it was denied because of the issuer. She then told me I should contact them and have them call a number she provided to me.

I have been shopping at Kohl's for years and never had a problem. Today I made a purchase and balance was less than $10 and check was declined through Certegy. Seriously - I have plenty of money in bank and then when I called I would need to give some automated thing my personal info like driver license number and social security number. Totally ridiculous they are still in business. This is the second time they have declined a check from me.

I received my monthly disability check from the treasurer of the state of Illinois for nearly $2000.00. It’s Sunday and tomorrow is a holiday so my bank is closed. I went to Walmart and Kroger in an effort to cash my check only to be declined by this incompetent nuisance of a company Certegy!!! I called the toll free number hoping to speak to someone but of course NNNOOO, it’s automated and completely useless!!! There is absolutely no reason this check shouldn’t have been cashed. It’s sickening and disgusting that some dumb** company is controlling whether or not legitimate government issued checks can be cashed!!! How can this be legal?? How can Certegy make the determination to deny a government issued check???

I closed out an IRA account and received the check a few days later so went to Wal-mart to try to cash it. To my surprise I was denied by Certegy with no reason. I go on Cetergy's website and find that I can look up the reason by inputting information pertaining to the check that they denied. This is what they say: This transaction received a decline recommendation from Certegy because it did not meet the acceptance guidelines, which may vary by check cashing location and transaction. Factors may include a combination of: the check number, dollar amount, check cashing history, or other transaction details. Although this recommendation is final, we will evaluate all future checks at the time they are presented. Another option to cash this check is to visit the financial institution listed on it.

I went to Dollar General yesterday and wrote a check only to be denied by Certegy who apparently is the System they use to determine if you qualify to write a check though their recording says, "It has nothing to do with your balance." There was plenty of money and I have never written a bad check in my life. I have been a mortgage lender for 23 years. Every year the majority of the states in this nation look at my credit and criminal record and approve my licenses to do mortgages. There has NEVER BEEN ANYTHING ON ANY RECORD FOR ME. Yet somehow this company is paid to turn people down for writing checks and then you have no way to reach and speak to a person. You have to take 30 minutes to talk to their automated system to get nowhere. They should be out of business or much better regulated.

My wife and I are remodeling our basement. I don’t know the exact amount, but since we moved to this house in October I estimate we have spent 8 to 10 thousand dollars with Lowe's. We made two major purchases with Lowe's, by check, last week. Because I am having hip surgery next week, and will be Incapacitated for a while, my wife went today to get the last of the materials.

Worst verification system ever. Went to Kroger's to buy groceries. Everything ran thru with no issue. When it came time to pay my check was declined. Called the 800 number - only got a automated response after putting check info in. NO ONE at Kroger market has the ability to override. Worst developer design decision I have ever seen. Will no longer shop there until they change the policy or get rid of Certegy.

Had a personal check declined at Kroger. While trying to inquire into how decisions are made and with what data. The phone assistance are given one key phrase and sound like parrots; "That information is Proprietary". Getting nowhere, I'm in the process of filing a complaint with Washington Consumer Financial Protection Bureau.

Have shopped at Publix for years. Never bounced a check. Friday, December 7th stopped after work to pick up groceries with my two grandsons. Wrote a check for 157.46 and started pushing groceries out when cashier said my check was denied...just could not comprehend. Sent to service desk...and the boys kept asking what happened. I. WAS. EMBARRASSED. Called Certegy the next day...and got a canned response and no explanation as to why check was denied. People I know were in the store watching all this unfold, adding to the humiliation.

I have been a customer of Fred Meyers for almost 20 yrs. I usually pay by cash and occasionally by check. I wrote a check for ~ $230 on 11/25/18. Certegy declined it, even though I have plenty of $$ in my checking account. I called, dealt with an automated voice response system, and 1 week later received a letter with Certegy’s rationale that transaction fell outside of authorization guidelines because I don’t write checks very often. How can I write a check, if I can’t write a check? This company appears to have made its own rules and insists on keeping those rules secret; there is no transparency or full disclosure. Company’s behavior negatively affects my credit score. This is unfair.

Do not use this company for anything. They will decline you for no reason, even on a payroll check, and then they will ding your credit score. They will outright refuse to give any information on why your transaction was declined, and if you want to legally force their hand by filing a Fair Credit Reporting act form, you need to provide an insane amount of ID by snail mail. This whole company is a scam.

If any company is coming on to review Certegy for a potential business pairing with them, please look elsewhere. Read all the 1 star (cause that is as low as it goes). As maybe as a small majority of Americans, I have used Walmart to cash paychecks for many, many years. I was traveling cross country and had a debit card that I generally use in paying for my expenses. I did a job for my boss in San Diego and got a paycheck. I was in an area I wasn't familiar with and so I just held on to the check until I got back to GA. Now my available balance on my card is low from using it on my way from San Diego to Atlanta. So I go to cash it and BOOM. Declined. Can't tell me the reason, just declined. I thought my boss' check had bounced or something. Instead it seems I've fell into the Certegy trap. I had another check with me that I had not cashed.

Twice this week, my wife had her checks rejected due to a bad report by "Certegy." First at Academy Sports, then at J.C. Penney's. She had thousands in her checking account at the time. She went to the bank. They couldn't find any reason that her check should be refused. I called Certegy. Their automated system was worthless. I went online. After entering all the info, they said that they could find no record of the transaction! Certegy needs to be investigated! We will file complaints directly with Academy Sports and Penney's.

So Certegy like all other reviews have decided to start declining my checks. So I call them to figure out why, to be told I'm coming up high risk? So the woman looks up all my information and tells me there's nothing on my name that is showing a risk factor, but can't tell why I'm getting declined. I'm told I need to find an alternative way to make purchases. So my 30 min conversation got nothing fixed except I now know anywhere that uses Certegy I will be declined at and there's nothing I can do about it and there's no risk factor on me to decline my checks. So they will decline me just because...

It flags both of my paychecks - one is a part-time job so 78. The other is my main job pay averages 3K a week. My bank is a few states away so I went to Krogers to cash either. NONE of my co-workers can cash theirs either. We went to Walmart and even pawn shops trying to cash them. So now I'm sitting out of state getting to take a day off work to drive back to IN to MY bank to cash my paycheck. If it was JUST me, or just one of the checks I could see it being something on my end... but, it's a pizza joint (well known in many states) and the other is a federal job - in all 50 states. So at this point they are costing my money.

On November 15, 2018 I stopped at Albertson's supermarket for my groceries. Not wanting to spend all the cash I had on hand I wrote a personal check for the total. The checker ran the check through a reader and a printout appeared. He then pulled out a card from his wallet and checked something on the card with something on the printout. I was told that the check had been declined since I had "exceeded my daily limit". I was not aware that I had a daily limit and I had been to my bank not even an hour earlier and knew that the funds in the account were more than sufficient to cover the check. Begrudgingly, I used a credit card to pay for my purchase and then went back to my bank to see exactly what was going on.

I have gone to the Kroger store in my hometown since 1979. 2 times now Certegy has declined my check. I have never written a bad check in my life. I guess Kroger thinks they are big enough that they do not need loyal customers anymore. Certegy is a 1 star company and not accredited in anything. Way to go Kroger. Hire a company to chase away your customers. Genius idea. Next time Kroger do your homework.

I rarely write checks, but today I went to Kroger with my checkbook to buy groceries. I've never been so embarrassed in a checkout line! They ran my check and put in my ID and it was declined for $119.00 purchase. I've gone to this Kroger for years, and it's the only place I write checks, so why suddenly are mine no good there? The lady at Guest Services says they have a new check verification company, and she was sure it was nothing. The automated system for the number you call just said my ID or checking acct # fell into parameters and they were unable to accept my check. I have no bounced checks, absolutely no reason for this check to be denied and I was left humiliated and without groceries. I left them where they sat and went to Publix. It took me 1 Google search to find a 1 star review for this company. Kroger might have invested a few minutes of research time themselves.

I haven't written checks in years, been using a credit card...in an effort to be a more responsible consumer, I have started paying cash or by check. So TJ Maxx declined my check. Certegy could only say that my check met some set of parameters that flagged it as risky. I am beyond pissed at Certegy for not being able to specifically tell me what parameter...so I guess I'll be screening businesses. If they use Certegy...I will not be doing business with them!

I received my deposit check from an apartment place that I used to live and I went to Walmart, presented my ID, the check and it got block for no apparent reason. No explanation. I called this horrible business and no response. No explanation. I didn’t think it's fair for no one this business to be doing this kind of things.

After researching online where I could cash my payroll check for an (out of state bank so I could not go directly to a branch since there were no local branches in my state / also I knew my bank would put a hold on for few days and I needed the funds ASAP). I see where Walmart will cash my check. It qualified within their guidelines as far as the amount was right under 5000.00 , it was a payroll check , etc. So I go to Walmart to wait in line thinking this is amazing! I am so glad Walmart has this capability, and what a great service to provide for their customers. Yea, not so much. The associate tells me my request to cash the check was denied by Certegy, and here is your disbursement receipt showing it denied and I needed to call the number at the bottom of the receipt to find out why.

What in the world? The company Kroger uses for check verification, Certegy, was unable to process my transaction. I usually use a credit card for my Kroger purchases, however, this time I used a check - Certegy could not even give me a reason why my check was not approved. Shame on Kroger for using this type of check cashing service - no service. Very disappointed in Kroger/Certegy.

Are you ** kidding me? I went to Walmart. Stupid asked my Social to cash my payroll check from AT&T legit. This is a BS. And they declined it. Stupid ** system. It's a POS. So just to tell you Walmart is ** Mart. Don't go.

Wrote a check to Fred Meyer Jewelers on 10/4/2018 for $1,032.41 & it was approved of course. Wrote another check for a 2nd purchase on 10/7 for $245.81 and it was declined. I know the shop manager personally and she was embarrassed she could not over-ride the rejection. I told her this Certegy place is not helping her business. Evidently this is happening to many of her customers and she is reporting the concern to her 'head office.' She asked for and I gave her my debit card for the same account & it went through.

Wrote a check to Kroger for weekly groceries. Have written checks to Kroger many times, though I don’t write checks as much as I used to. The check was declined. I asked why, they couldn’t tell me. Fortunately I did have my bank card with me (same one the check was written on) and completed the transaction. But I was completely embarrassed as I shop there every week. I immediately called the number on the notice and was told the decline could be based any number of factors and if I wanted more information I could request a report. So I requested a report. I got the report and it said the decline could be based on several factors including check # (?), patterns, transaction frequency, etc. In other words, nothing - nothing outstanding, no record of bounced checks, just a hunch. I’m sorry but this is obscene and should be illegal to just deny payment without cause.

Wrote check for 402.30 at Kohl's. Check declined. Had to use Kohl's credit card with no balance to get purchase. Manager of the store, sales associate, and customer service desk more than apologetic. Gave me number to this company. No person to speak with. Automated service and got no results, asking for ss#, bank information and check number. No results. Checked with bank. Multiple thousands sitting in checking account. Absolutely horrified and so embarrassed. No explanation offered and no opportunity to speak with a person from this company. It stands to reason that businesses must protect themselves, however, not being able to get any explanation as to why when there is plenty of money in the account to cover the purchase is unacceptable.

I started working for the State of CT. The first paycheck is always live before your direct deposit kicks in. I went to Wal-Mart to cash my check only to have it declined. With no reason given. When I checked the website, it stated that it could be because of the check amount, the check number, or any number of reasons. This company is bogus!! How are you rejecting a government payroll check? If Wal-Mart continues to do business with them, then they have lost a customer.

I have been writing checks since I was 15. I'm 50 with almost a million (yes) dollars in my account. I was embarrassed the first time my check was declined (at PetSmart)...no...I was mortified. At first I thought someone hacked my checking account that I keep a balance of about 2K in. Then when I called my bank to find out everything was fine, I just figured I would use a credit card...that gets pulled from the EXACT same account. And then it happened again, 2 days later at Sally. My best advice as a consumer is to NOT frequent the businesses that use this deplorable service! I can NOT believe this company is in business and that these practices are ethical. The FTC needs to get on this immediately. For every check that is declined, I REFUSE to go back to that business! EVER. Bad business practices!

Certegy, the check authorization service for Lowe's Home Improvement declined my personal check today. I have had a checking account for over 40 years and have never had a check declined. When you call the number provided you cannot talk to a representative. Their reason the check was declined was because of so few checks being written. This is no reason to decline a check. The Federal Trade Commission needs to do something about this service and I plan on making a complaint with the FCC.

I've shopped at Macy's for over 40 years plus had my bank account for over 40 years. I was dumbfounded when my check for $177.03 was declined on 7/22/2018. Certegy's reason was it was outside the guidelines Certegy established for authorization which Macy's approved. I had not written a check at Macy's since 6/10/17 but in July wrote a check on 7/7/2018 for $100.15 and then wrote the declined check. Appears their procedures indicate if you don't write checks often you will write bad checks. Also why give your bank routing info, checking account info with your SS number in order to verify the transaction in question?Certegy list their acct transaction number on their receipt for rejection.

An employee of mine was able to cash a $750 check even though it was dated for 2 months prior and had a stop payment on it. The employee got a replacement check from us because she said she lost her paycheck! Really what she did was keep it and cash it at Randall's where they just allowed it. I received a bill for the amount of the check because they accept all checks face value as long as the presenter of the check has no prior issues with Certegy!!! How ridiculous is that? And the hoops I have been jumping to get this cleared off our company record has taken a dozen hours! A simple phone call to the bank to confirm that a check that is 2 months old is still valid is what SHOULD have been done. Also, even after providing all the information I asked for on bank letterhead, they STILL sent me a bill. They keep saying they are investigating but I just keep getting letters.

My check was declined at a department store for absolutely no reason by Certegy. There is no way to talk to anyone when you call. After seeing all of these complaints, I reported Certegy to the Federal Trade Commission! I suggest that you do too!

AGE & RACE DISCRIMINATION CASE AGAINST CERTEGY/TARGET. I am a local business owner and has excellent credit. I have written several checks to TARGET for business supplies for the past 30 years. Today, August 31, 2018 Target declined the first check and asked that I write another check. The second was declined as well. The reason written on the back of the check “Our decision to decline was based on information from CERTEGY.” When I called my business Bank I was informed the decline had nothing to do with the bank.

Check rejected, then finally approved at oft frequented King Soopers (Kroger's contacted company online to get more info, but they were most intrusive in info they wanted (SSN, bank acct, routing #, etc.) No way, very unsettling! Left website, no rhyme or reason for this encounter - will, not do, business with companies using Certegy.

Having read many of the reviews of this company, I couldn't agree more with most of them. When my check was denied, I told the cashier that I had just come from the local Credit Union and there was enough in my account to cover the check. She gave me a number to call, a place called Certegy. It took a bit but eventually I was put through to someone with a pulse. After a rather long discussion it boiled down to the fact that they had no record of my cashing any checks on my account going back a year. I had to leave the store, go to my credit union and get cash.

Went to cash a check for 624 at Walmart and my payroll check was declined. When given a number, Certegy wouldn't give any real reason why it was declined nor would Walmart. I do believe Walmart has lost my business for a real long time.

Went to Kroger's to pay for food for a veterans event with an organizational check for a non-profit, check denied. Tried calling the number provided and went through all the "canned questions". Check denied and no way to talk to a live person to rectify situation or get clarification. It seems that when you play God with someone's funds, you'd at least have a live person on the phone to answer questions or explain your position. Your business model isn't the best way to make things happen. I can tell you that we will not be doing business with Kroger's in the future since they use CERTEGY as a gatekeeper.

Went to Walmart to cash a check for $2000 on a Saturday and it got declined for no reason whatsoever. I've cashed checks bigger than this before. I'm not sure why and when I called the number on the receipt I could not get a real person or an answer instead I have to wait 10 days for them to mail me something that I have no idea what it's for. All I want is to cash my check but now I have to wait until Monday and take it to a bank. It's ** and this business sucks and so does Walmart. They will never get my business ever again.

I went grocery shopping with my daughter at Pick ‘n Save. The total was just over $200, and I wrote a check like I do every month, and this stupid company denied it. I called the number and was told it was declined due to store policy, check number or dollar amount. WHAT! Thankfully, the employees were very kind and patient and stated this has been happening a lot. So my daughter tried her check, same thing, declined. At this point we had 2 options, try splitting the order and each write a check or find someone who would give us their card number. We chose option 2. Unfortunately this reflects negatively on the store. As nice as they were about it, I feel I will be going elsewhere for my shopping.

My husband and I live paycheck to paycheck like a lot of people do. We have been cashing his payroll check at our local Kroger since April of this year. Last Friday, July 27, his payroll check was declined by Kroger and Walmart. The only thing they would tell us was that his SS# was invalid...the same one he's had for 43 yrs. With no food at home, I asked them if we could at least get a few groceries with it but of course they refused. So, my husband who is an insulin dependent diabetic, my son and myself would have had to go the whole weekend without eating. We had to borrow money to buy a little food, a bottle of insulin, and gas. We had to take off work early today to drive to the out of town bank where the check was from because that's what the robot at Certegy suggested. Their website is a joke.

If I was allowed to give 0 stars, hell if I could give negative stars, I would do so. Certegy Check Services is a scam and if your business uses them you are not only damaging your relationship with customers, but you are getting ripped off. I went to a Kroger store because they claim to cash payroll checks up to $5000 USD as long as it is from a reputable business. Well I brought in a 401K disbursement check from Fidelity Investments, a nationally known company, to be cashed at my local Kroger. Unfortunately I wasn't able to cash a legal and legitimate check from a national investment firm due to Certegy. And the worst part is they won't give you a reason. They just said, "You can't cash it here." I called Wal-Mart, who claims that they will cash checks up 5000 USD as well.

I have written 3 checks to three different business in the last year. All three checks have been declined by Certegy for no reason. Only declined. If I want to know why I must provide Social Security number, drivers license, address, check number routing number and bank account number and address. Why don't I just post all that on Facebook or the web for everyone to see. Never written a bad check and it is embarrassing to me for my check to be declined. If I could give no stars I would.

I have a business and a check was written out for the wrong amount. I canceled the check legitimately through my account and now none of my checks are going through, this is ridiculous. I am being punished for someone else's error. Certegy is telling me that it will take 30 days to clear. Will not help me. I am being punished for a check that I paid for to cancel. People at Certegy are rude and just keep apologizing. Do not want apologies. I want help.

If there was a zero I would have picked it. I have been shopping at King Soopers Broomfield for over 20 years never wrote a bad check in my life and today get declined. The website for askcertegy is a scam. I have contacted my bank and I have no issues. So what is up with this company. I pay my bills thru my checking account with no issues. I was trying to find out about this thru this company and they asked all my personal information and then it clicks off.

This stupid company has rejected us 3 times from our local supermarket, despite excellent credit and no bad checks ever, and significant bank balances. ZERO customer service, all automated. I will be reporting them to any Federal authority that will listen.

I was recently approved for SSI and needed to take my first check payment to be cashed at Walmart because I no longer had a bank account. First off, I had to wait in line 20 minutes because the representative obviously did not want to be at work, only to have my check declined. This made me extremely nervous, I immediately thought my benefits had been cancelled or the check had been cashed by someone else. I couldn't understand why a US Treasury check could not be cashed. The very generic receipt gave no information whatsoever as to why I was unable to cash the check. Certegy's website and hotline told me absolutely nothing and because it was the weekend, I had to just deal with it. I will never use their service again and I hope something is done to this company because they are making to much money to be this complacent.

Well, Kroger ~ after being a loyal paying customer for nearly 20 years, I won't be shopping at any of your stores anymore. Fuel points & coupons are great, but the embarrassment caused by having my personal check for $122.00 declined in front of a store full of people with Certegy's lame explanation as to why is unacceptable. Be aware that Certegy is evasive with the reasoning and blames YOUR criteria but fails to provide any negative history. The last 10 checks I have written were to Kroger and they all cleared my account without incident. I write one at least once a month. Sometimes twice. Thanks for nothing.

I’ve been buying groceries from Kroger for over 20 years. Today I wanted to write my check over and get cash to pay a family member some money without having to run to the bank. They declined my check for 164 Dollars. I feel like I'm in the twilight zone. Never once have I bounced a check. My last check of my credit had my score in the 800’s and I have the money in the bank to cover it. I call the number and they cannot give me a reason on why I was declined. I then want to get a report but am quickly skeptical because they want my social security number, routing and bank account number. Um no thanks, keep the report. I know I have nothing derog in nature on there. Shame on Kroger for doing business with this company. They are terrible.

We have been Buying Groceries and fuel from Smith's Food & Drug for over 25 years, and out of the blue They are not honoring our checks, they can't give us a reason, and neither can this Certegy Check Services, and When this all happens in where they can't take your check they pretty much announce it and make you feel like a criminal like you're trying to pass a bad check. We have never passed a bad check ever with SMITH'S or anyone else, and to be treated like this is intolerable. I called and they can't give you info, that you're just a risk? Really? I think they are being discriminatory, and I think I will be looking into finding an attorney. DISGUSTED!!

Was recently at two different Walmarts to cash my VA disability check which I do every month. My check was rejected at both stores. I was told to wait a bit and try again and given a number to call. This number is only a recording. Went to the website and it was a vague answer after giving some reference number. Walmart requires a SS# to cash checks. I was told by a check cashing business that no they cannot ask for that to just cash a check. I had to pay close to $90 to cash my check as I do not have a bank account. To treat veterans this way is downright disgraceful.

I went to cash a check at Publix and it was declined. What right does Certify have to collect my information. When I called that you can't speak to a person. We plan to boycott Publix and any other business that uses these bogus companies.

Tried to use a business check today at a local store and the check was declined. I am required by law to use only cash or check to pay for certain products. After contacting Certegy regarding the denied transaction, the only explanation they could use is that it did not meet the "guidelines." After asking what the guidelines were, they were not able to give me any information. I have used the same type of business checks for years with no problem until the store started using Certegy. If I have to buy new business checks I fully expect Certegy to pay for them. They need to find better excuses or be able to tell the customer how to fix the problem.

I went to Walmart to cash a company check for $599 but it was declined, they said used the company Certegy to take the decision. This is not the first time. Last time I wanted to pay groceries with check and had money in the bank, they declined the transaction for "high risk". They check credit score without your permit, I don't see any sign in Walmart telling they check credit for any transactions. Also, I don't see any sign telling me they will use this company to screen me, which is all inaccurate.

Certegy is a crock!!! I went to Walmart to cash a payroll check from an international company, and Certegy declined for the second week in a row. What is strange is that the first two payroll checks I received when I started, there was no problem for Walmart cashing them. Now all the sudden they won't cash them anymore. What gives??? Two or three people ahead of me get their paychecks cashed but mine gets turned down? This company needs to go away permanently!

Took my 18-year-old twins to Walmart to cash 2 small checks they had received, my son went first, the cashier asked for his ss card and license. He handed her both then manually punched in his ss#, the cashier cashed his check. No problem, my daughter got to the register. Was asked for an I.D (different cashier) and then told to put in her SS #. She and the cashier put the number and check in 3 times and then the cashier says, "I know this is you and your ID and SS cards are real. Are you sure you are 18 because if you under 18 it wont go thru". They are both 18. They are twins...so she gives my daughter a number to call and we get a foreign guy that tells the clerk to run the check again...it is denied again...he says the cashier is entering the number wrong, and tells us we have to try again later. We went to Wells Fargo today and cashed the check with no problems...

I'd had a paycheck that was sent to my old address and since the forwarding had expired, it was sent back to my company. I didn't know about it until I got a letter stating they had an unclaimed check for me. Since the time of the check, another company bought the company out, but still both very well known, worldwide companies. At any rate they sent me a claim form for the check, filled it out, and received my check. Took it to Walmart and it was declined. Called the number and after giving them everything but my bra size, all I got was "It was because of the check."??? What about the check, what does that mean? It was an unclaimed property/paycheck for $800. What the hell is this company???

Fifth Third Bank uses them for their mobile deposit system. I hate it! 3/5 checks get denied by Certegy with no explanation! The employees at the branch have the same issues. They SUCK! No reasons, explanations, etc... all the while I'm sitting here trying to get paid by my customers and cannot! It's horrible having to go back to a customer and tell them that I will need alternate payment methods solely because Certegy sucks. It makes me look bad, it makes them feel awkward as to why their checks won't work. This crap of a company needs to shut its doors! Just today, I had yet another horrid experience and had to drive all over town just to get my money owed me for services rendered. I ended up just going to the issuing bank and had to explain the issue. The teller told me she's heard this plenty of times and that there's no issues with the check or the account holder. She promptly cashed the check. Ridiculous.

I tried to cash my payroll check and this company refused to allow it. I've had previously had issues with this same company. They need to be shut down or sued for their pick and choose option. I don't understand why companies use such a place.

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.

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.

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.

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.

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.

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 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 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 **. 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).

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.

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.

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.

I wrote a check at Target in April and Marshall Homegoods in May 2017. Both checks were declined due to Certegy. I provided information to them in anticipation of a report that I hoped would explain why this happened, but to my dismay I have not yet received a response. I also spent 30 minutes on my phone trying to connect with a human being in hopes of clearing this matter up to no avail.

After purchasing several items at Kohl's, the associate processed my check thru Certegy and it was denied for their reasons being: That acceptance guidelines were not met! When asked what they were, none applied to me... I have never bounced a check in my life. After calling Certegy, Kohl's and my bank... No one could help or explain why my check was not approved. Certegy is a "joke". They suck and do not care if there is an inaccuracy in their system. They do not fix glitches and the government should shut them down... They are a farce.

A customer of our Bank had a check turned down at an out of town business, they brought the information to the Bank to ask why it was turned down (which there was absolutely no reason for it to be), I contacted the number they were given and could never reach a live person so I requested a written explanation. When this was received through the mail there was still no information as to why the check was turned down so I called the company with the phone number on the letter and finally reached a live person who was absolutely no help. She could not give me a reason for the turn down and just kept saying it fell outside their parameters but she couldn't tell me what the parameters were.

Tried to write checks at Target and Kohl's and in both instances check transaction was denied by Certegy. I ended up using a debit card. Whenever I called to find out why they gave me a list of several possibilities including that I might be a risk factor. I explained that I had never had a check returned or written a bad check in my life so they must have someone else mixed in the file they were checking for me. They would do nothing to find the error or correct it. They just kept repeating the same thing. They appear to be not at all a responsible company because they are causing people problems and not doing anything to check it or correct it. Please Please Please do something about this very irresponsible company. Thank you.

It is beyond frustrating that I cannot cash payroll checks. They are sometimes flagged at Walmart and Certegy cannot give a reason. I'm just told to keep going back another day and try again. I live 30 min. away and the lines there are always about 40 min. long. I can't believe a company can behave this way and remain in business. I receive payroll checks from several employers and they've all been flagged. The checks are good. I used to like using Walmart as they are open later than the bank, but will probably have to stop using them for this reason. CERTEGY SUCKS!

Went to Lowe's Home Improvement Joplin MO. Have bought many things there with cash or check, would chose this store over many other home improvement stores in the area. But after the experience we had the last time we were at Lowe's we'll not be going back. Our check was denied. No explanation why Certegy just decided they would refuse it. Lowe's would not help. Said it was not them, Lowe's has Certegy as their software so yes it is their problem. Also they need to find a New company software program, we were made out to be lowlife customers. Not Good for Lowe's or Certegy. Nobody wants to explain their reasoning for check denied.

This has to be one of the worst experiences I have ever had. It takes forever to talk to a real person and then takes forever to get your problem solved. Watch for any store or any type business that uses Certegy. They are awful. After you finally get a real person on the line, you are transferred and then told they can't help and give you another number and they are sorry they are closed. I hope I never have to deal with them again. The place where I cashed a check to the money from the wrong acct. I have 2 checking accts. Then I am the one who has to go through the hassle of getting it straightened out. Beware of Certegy!

Certegy can't verify funds nor can merchants do that. All checks are a risk for a merchant. They can't look into any bank account because of privacy laws set by the US Government and Walmart does not have to cash any check. They do it for the sake of the convenience, not a right or a demand. So talk about suing them because they did not cash your check won't get you nowhere but hit with paperwork and less money than you started with. I tried and the lawyer basically told me I had no case and it was waste of time. Plus, they reserve the right to deny anyone service.

My check was declined by Certegy for no reason. My bank will not provide Certegy with my personal information. It would be illegal for the bank to do so. Contacted Certegy about why my check was declined. No history of bad checks, no history of account having checks returned, just declined. TO FILE A COMPLAINT AGAINST CERTEGY, CONTACT THE CONSUMER FINANCE. GOV AT 1-855-411-2372. Also, contact your local State Attorney General Office Consumer Affairs. Try Consumer Finance first. Denying checks for no legitimate reason to get personal financial information IS AGAINST THE LAW.

I started having problems a few months ago at Walmart. I had been cashing my payroll checks there for months with no problems. All of a sudden my checks started being denied. When I called the number to find out why they told me basically nothing other than an algorithm decided that it was a high-risk transaction. And that was after having to find a direct number because trying to call their 1866 number let you through an automated black hole that you were never able to get hold of anybody real. So eventually this happened six or seven times in a row I had them send me their written reason as to why none of my checks from multiple sources were being okayed. According to them and had nothing to do with me. There was no negative items in my report. So finally got the written report and it didn't tell me anything more than what they had just got done telling me on the phone which is that an algorithm decided that it was a high-risk transaction.

I just received disability. In two day time I received 3 checks, 2 SSI and 1 SSD. No check was more than $1500. I went to Walmart and experienced the following: The customer service employee was drunk or high. I have TX license and Permanent Visa ID - I presented both due to my address is no longer in TX but CT. Both seemed to overwhelm her, she chose INS, didn't know how to read it, opted with help to use TX.

Same thing as every other review. Declined my photo deposit request (payroll check from Chase bank, just under $1,000). Went to Wal-Mart, where I've cashed payroll checks for months. The next day, I got the same slip everyone else did. Incidentally, it's the same info in the email... Apparently in the eyes of Louisiana, my state issued, federally backed concealed handgun license is not a valid state ID. I must have a DL or state ID to cash a check. Chase bank, the issuing bank agreed with this practice. I'm more than happy/willing to join/start a class action suit against this scam company. Avoid like the plague...

I called to confirm that Petsmart accepted checks because my debit card had been compromised and it would take 7-10 days to get my new one. When I paid, the check was declined. I had to call Certegy to find out why. He stated it was because I don't have a check history. Well... You can see that I have NO bad checks on my account and have had a checking account for 20 years... And who writes check these days?? It was humiliating and frustrating. I had to leave my dogs there and go get cash. AWFUL customer service!!

I wrote a check at Publix that was declined. Certegy said it was declined because of a returned check at JC Penney. Well, they never submitted it to the bank. I am still confused by the report because if you write a check with your current information on it, why would I now be declined because the current information does not match the old. In trying to clear the matter up, the rep kept trying to solicit my new and current address and phone number. It made me feel like I was dealing with a scam. If this agency can deny my check with the current information on it, why are they asking me for it? This rep kept asking me if I lived at Point Blvd. "Is this your address?" I felt sick the whole time. Like this was an identity theft ring.

I just got charged a $30.00 bounced check fee from this group who handles business for TJ Maxx stores. Unfortunately before the holidays I wrote a check against the wrong checking account, one I dont' use much thinking it was my main day to day checking account. I didn't realize it until it was too late. Not only am I getting charged $35.00 on my end from my own bank but now I have to get charged on their end as well to the tune of $35.00!! What? That is crazy. If someone writes you a check and it bounces, your bank on your end charges no more than $10.00 for this and they are charging thirty? What a scam.

I'm having a problem with a check verification service. Called Certegy Check Service. Seems their computer algorithm has decided on two occasions to deny the acceptance of my checks. They have no direct numbers you can call to talk to a representative. You have to use mail or a fax. When you get back information about you they give you a number to call. They then tell you the denial has nothing to do with my check, DL number and such. They say their computer denied it for a unknown RISK FACTOR.

I have written checks at Publix Super Markets many times in the past. In September my check was declined and I was referred to Certegy. When I called them I was told my "transaction fell outside of the guidelines Certegy has established for authorization". She stated it could be from check writing history at this location, a newly opened bank account or the location of the establishment along with other things. I have never bounced a check and it was not a new bank account.

I wrote a check for $250 to PetSmart only to have my check rejected. Have had that checking account for over 30 years, never had a returned check and have a balance of several thousand dollars. The only way to get my "file" from Certegy was to give them my SS# and other personal info. Nope, not doing that. Sorry PetSmart, just lost a long time customer.

Walmart did it to me. I tried to cash my check that I received as part of a settlement agreement, and Certegy declined it as well. It has happened to me before. There is nothing you can do about it at the store. If you can try and take it to the bank it is drawn on and they will cash it. I know it is crazy and everyone that it has happened to needs to get together and consult an attorney. I would be willing to become part a class action against Walmart and Certegy.

I went to write a check, on Nov.2, 2016 just to be turned down. I contacted my bank. They said when Circle K went to convert my check to electronic they transcribed the account number wrong. Therefore they refused to pay for it. Instead of Circle K calling me, they turned it over to this Certegy. They in turn turned it over to a company called CPRS for collections. I am in contact with Certegy, and Circle K and CPRS trying to find out. Certegy said it was a check for NSF. My bank said they did not send it back for NSF. They sent it back for incorrect account number. I have been trying to get my account released since 11/02/2016, and as of this date to no avail. I have turned this matter over to the Attorney General office. I could understand all this if I was in the wrong.

Went to Big 5 Sporting Goods & bought 4 pairs of shoes. When I paid with a check I was informed that it was refused/rejected by "Certegy". WHAT?! Who is Certegy??? I have a VERY large balance in that acct... I've bought with checks before @ Big 5... Why is this happening? I called the Certegy number at the store. Certegy's automated voice wanted my routing & bank #s - Wanted my birth date - my SS... WHAT??? I hung up!! I walked across the parking lot to my bank - got the check cashed & paid in cash! THIS IS HOW FRAUD HAPPENS WHEN YOU GIVE YOUR PRIVATE INFO TO A RECORDING!!! This is wrong! Wrong!! WRONG!!! STILL don't understand WHO/WHAT Certegy is - But from all the other comments I've read here & on other sites that I've been researching - Certegy need to be investigated & SHUT DOWN!!!

Went to a local Kroger (Western Union partner) to cash a returned money order (Western Union). Of course, I got declined. 1.5-2.5% declination rate. Uh huh. I called the number and it said that the merchant (Kroger) failed to obtain all the relevant information. I go back in and get declined again. This time apparently I didn't meet the qualifications, which of course are not actually laid out for anyone. System then refused to transfer me to a representative and told me to hang up.

Certegy uses the junkiest criteria for clearing a check. They have no idea of any factual basis for denying checks. Even with zero bounced checks they still consider a personal high risk. It was an HSA account that they declined. Obama Care forces me to use HSA. I do not deal with cash. Any business using Certegy should reconsider because from this point forward you are telling me you do not want my business.

Used check at Department store - Certegy declined my check - Store Manager did know who they were! They give a phone number to call - All it is front to get your credit information to sell to businesses! Contact the FCC and Close them down! They are ripping off millions of consumers for credit information. Illegal!

My husband and I were just at Lowe's, trying to purchase cabinets. Since it was a larger purchase, we attempted to use a 0% check from our bank credit card. It was declined, with a code 2. We called our bank, to see if there was a problem with the check. Nope, no problem, we had enough available balance, and we should be good. Also - they registered no 'ping' on the account, meaning that no one had even checked with our actual bank/account to see if the check was good, or if there were funds available.

Have been using e-check for some time. Denied at Pala Casino last night due to a "computer model" indicating "high risk." Had cashed an e-check the previous night with no problems. I have an approved credit line and was below that amount. Pala tried and couldn't reverse it. Certegy is a JOKE! Hard to get through and NO help! Their CEO, President is Srikanth Kothur, PO Box 30046, Tampa,FL 33630. Every company I deal with I will encourage to drop this scamming, insulting, scheming "check approval" excuse of a company for their invasion of privacy and detrimental impact on my life.

I have a bank account which is online only. My deposits are all direct. Recently I went through the nightmare of having my online account attached for someone else's defaulted student loans from 35 years ago! Finally the issue is resolved and the US Department of Education issues my refunds in the form of two checks! There is NO way to deposit these checks with Ally so I went to a Walmart as recommended by a friend. I was told my checks could not be cashed and was given a slip of paper with the ** about my credit report being my right... blah, blah, blah. I went home and called Certegy - Never heard of them in my life. They had me give my personal info and the numbers from the US Treasury check. Then they told me that there was NO RECORD of the checks being denied and to go back and try again!

My father and I were at Lowe's to buy an air conditioner. When checking out his check was declined even though he has excellent credit and over 10 times the amount of the air conditioner in his checking account. The people at Lowe's were quite nice but when we called the company about being declined we were told it was because we hadn't written a check there recently! When I expressed my disbelief at that reason I was told if I wanted to give the company access to the bank account along with my father's personal information including his social security number his checks wouldn't be declined in the future. What a joke. I will not shop at any place that uses this company in the future. It seems like a scam to gain peoples' personal information to me.

I wrote a check at Lowe's for under $160 and it was declined because of Certegy. I quickly checked my bank account and verified that the balance was over 10,000. So, I called Certegy, gave them all the info, waited on hold twice, only to be told that there were risk factors to the store if they accepted my check. When I asked what risk factors she said, "nothing specific, just risk factors." This is SO annoying. She said she could "upgrade" my status to make it more likely future checks wouldn't be declined but that wouldn't be guaranteed, and I could try again in an hour or so - as if I wanted to hang around for an hour to try again. I notice other complaints related to checks at Lowe's; that company would be wise to look in to a different option for this service.

I've been cashing checks with Walmart here in Marietta, Ga on and off for about 2 years now. I cashed a total of maybe 4 checks from child support. I have never had a problem until last week. I normally don't cash checks because most of my funds goes directly to the bank. But, I received a child support check out the blue from his tax refund. I tried to cash it like always and was denied by this bootleg ** company. It wasn't much $1519.00. It was very embarrassing.

Went to my local Walmart to cash a check issued by the US Treasury Dept. Lo and behold Certegy declined it. Since when is a government refused???

with no problem. They seem to know about my checking account but never once did I hear "I'm sorry." They may not participate in Consumer Affairs... but here before too long Better Business will know where and who they are... Scam, fraud, PEOPLE TAKING OTHER PEOPLE's money... You should be so bold and do this to people... Karma... There is one, you know... it'll be back around... Customer of PetSmart no more.

When trying to purchase a washer, drier and refrigerator, the clerk at Lowe's in N. East Ft. Myers said the check was denied. So, we called the 800 number and the operator at Certegy said it was denied due to their computer models indicated a high risk. I gave them my routing number, acct. number and driver's license number and they rely on computer models just like the weather forecasters do, you know how that is! My credit score is 800+ and the checking balance is about 15 to 20 times the check I was trying to write.

I have cashed payroll checks at Wal-Mart now for several years. Imagine my surprise when the same check as always at the same Wal-Mart was declined, and on a Sunday when I needed some cash. My experience was no different--called the company and given no reason except the voodoo recipe for check approval had declared it to be high risk. The cashier said that this was a relatively common occurrence and that lots of regulars hit the same snag on occasion--maybe the moon, the relative humidity, who the heck knows and Certegy won't tell. As there is no real recourse with the company, I see no choice but to boycott Wal-Mart. Hope others join me.

This company and its relationship with American Express in support of validating checks for mobile deposit is clearly a scam and a way for them to simply collect information. They declined a check I wrote to myself from my own account. If they can't detect that this is not fraud, then I'm not really sure how they could be doing anything good.

Certegy will not authorize my check and has flagged it to be denied for a reason they cannot explain. They'll just say some mumbo jumbo about their statistical analysis software. I called them after my bank said my check had been flagged and denied by Certegy. I called Certegy and they took my social, driver's license number, and check number/amount. They then told me that my bank would accept my check the same day. I tried my bank, they denied it again. I called back Certegy and said they were unable to do anything and that I should go to a check cashing place. Joke is on me because the first place I tried to go was Walmart. Walmart obviously also uses Certegy.

I live in the mountains, it was snowing late tonight so I decided to stay at one of the local casino motels. Have used 'Certegy' lots of times at this casino without any problem at all. But tonight it refused to put through an e-check, twice. Nobody understood, including me. Went online to their site and it was useless and mysterious, which is ridiculous. Sum total is I cannot stay anywhere except in my car tonight since checks are the only thing I have with me. I have over $2,000 in the bank, the room is about $65.00. This is incredible. I used Certegy at this place lots of times and twice last week without any issue at all. It printed off something about possible bad checks - not true, and I can prove that. But casino is helpless to override this outrageous thing they hired. Years ago they did this to me at Walmart because I generally used debit cards there and had not written a real check in several years. That's a really great reason, isn't it?

For a little over a year now, Certegy has continued to flag my bonus checks from work, as well as my tax return checks issued by Jackson-Hewitt when I attempt to cash them at Walmart. Each time, I've been given a slip telling me to contact Certegy, each time I've done so, and each time I've been told, "We're not sure why your check was flagged." What in the world is going on here? A company flags my PAYROLL and TAX RETURN checks, and cannot tell me why? Jackson-Hewitt sets up their booths in Walmart for crying out loud! This has become a massive hindrance, and I seem to have zero recourse in the matter. I can't even find a list of things Certegy commonly flags for and reverse engineer what my issue is. This is absolutely unacceptable, and I if wishes were real, my first one would be for this company to disappear overnight.

For years I have handed out the slip that comes out after a check was denied from Certegy but now it has happened to me. What a joke to find out that I do not meet their standards. You call the telephone number and go on the website but cannot find out anything to why it was denied. I have been in retail for years, the lady that took my info was one of the rudest that I have talked to. I could have understood if there had been a returned check or a habit of writing bad checks but I have none.

I am a senior citizen and last night I attempted to write a check at Lowe's to purchase a dryer. I have a sick husband at home with cancer, heart failure, kidney failure, etc, who has a lot of accidents with his bladder and bowel, my clothes dryer went out and it's been a week, laundry has piled up, in dire straits, and Certegy did not approve my check. There was sufficient funds in my account. I called the number Lowe's gave me and it was the same old crap. She said can't really tell you why it wasn't approved. She then did the same thing she did last time, read info off of a sheet of paper. I said to her from Certegy, "It sounds like you're reading all this info off of a sheet of paper" and she said, "Yes". This is the third occurrence with this company. They don't check with your bank to see if you have sufficient funds which is appalling.

I went to Walmart to cash my federal income tax return check and was denied for reason code 2. I called the number on the printout I was given and was told a bunch of reasons I didn't understand such as it didn't meet certification requirements. The woman on the phone finally said they could not verify the availability of the funds (did the government go bankrupt between the time they sent the check and I received it?). So I can't cash the check at Walmart and have to rush to the bank to get the check cashed after I get off work. The really ironic part of this is I went to the Walmart where I work as a department manager.