Certegy Reviews

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.

My wife's sister sent me a money order of just $40 from Indiana just for me to take the MO to Walmart and my transaction was declined. Reason? My identification could not be verified, I thought it was a mistake. I called the # given to me by CS in Walmart. The first guy requested for my info blah blah and asked me to take the MO back to the store or find another store to cash it. I went in again and the CS, this time tried to speak with CERTEGY operator... same question was asked again from me and declined the second time. So frustrating. With what people have said about Certegy, I think it is high time Walmart withdraw their relationship from CERTEGY. Not a good image on Walmart.

Has to be the most ** company on the planet. They have a routine to keep asking the same questions and you to repeat the same information 10 times when they heard it the first time. They wont connect you to a supervisor and outright lie when you ask for one. It was a simple question I asked them and they evaded the question and try to misdirect with some form talk from a page. To get the information I wanted they actually had the balls to try and sell me a service when by law they have to answer my question. I didn't give this company even one star because they deserve a negative 100 stars and I will be filing a lawsuit on this company for wasting my time. When I get the time I will be going to Florida with Judge Judy and do some ** kicking. They thought they was going to ** with me but I will be the one ** with them. CERTEGY GO AWAY AND NEVER COME BACK.

I went to a City Market/Kroger to cash a Western Union money order that was purchased at a City Market/Kroger. Certegy denied payment due to "high risk." High risk regarding whom? They couldn't answer that. How could a grocery store who sells a money order not be able to cash it? It had their store name on it!

This morning we went to Lowe's to purchase some garden plants. The purchase came to $116.42, for which I wrote a personal check. The check was declined by Certegy. I first called my local bank and they said there was more than enough money to cover the check. After holding for Certegy for half an hour, the guy named Larry told me that I was "high risk". My Hubby asked to speak to a supervisor and this Larry person wouldn't let him do that. We got this Larry's ID number and Hubby said we were contacting our lawyer.

My husband has cashed his payroll checks at Walmart every two weeks since we moved to KS almost a year ago and never had any problems. Last night, however, we took our federal refund check in to cash and Certegy denied us. We were totally thrown through a loop. This is not something that you would ever expect to happen with a US Treasury Check! The people at Walmart weren't to blame. It's Certegy that's to blame!

Last night, I went to Walmart to cash a check from a 401k loan I obtained from Fidelity. I had checked Walmart's website for a list of checks they cash days ago because I knew it would be late evening when I received the check and my bank would be closed. I have cashed checks at Walmart-payroll, student loan refunds, income tax, etc many times. Not anymore. I handed the cashier the check with my ID. She ran it and said they can't cash it. I told her that the Walmart website lists 401k checks as checks they do cash.

My husband had the same problem with Wal-Mart BUT with his state refund check. Just this past weekend. A STATE CHECK PEOPLE??

As treasurer for our church, I am a check-signer. We pay for everything by check/cash. We are a church that is over 85 years old. Our pastor had to make some purchases at Lowe's for our church workday. I sent him with a signed check so he could pay for the purchases. Keep in mind, that we have purchased items (with a check) prior to this - in fact, just last month. We also have 3 church members who are Lowe's employees. However, this time, our check was denied. They could not give our pastor a reason why.

We were declined when we went to Wal-Mart to cash our tax refund. When we called to find out why we were declined, we were given some generic BS excuses as to why. This is not the first time we have been declined for check cashing, my husband has also had his payroll check declined. The company he works for is a well known steel company, there was really no need to decline it. I really wish businesses would quit using Certegy. There seems to be no rhyme nor reason for them declining check cashing. Not to mention, the loss of business the companies get when Certegy declines checks due to bogus criteria.

Co. sent a bounced check (approved by Certegy) for reimbursement. Because the check did not have a phone number on it, they reduced their coverage by deducting $2100. The phone number was inputted into their terminal at time of approval so they did have the number. They used this loophole so as to reduce the amount of payment they had to make. Company has terrible customer service and will look for any reason to deny a claim, especially a big one.

I Received my federal income tax refund check and decided to go to walmart to cash it. Walmart said it was declined, what! I could not believe it, a government issued check along with 2 forms of official driver license, etc... Walmart could not, or would not tell me anything except to call the company Certegy not worth capital; or being called a company... A call which was on their receipt. After waiting almost an hour... still no answer. I just went to my bank. I can't believe walmart can use such a crappy place... Because now... I'm not going to walmart anymore for anything.

Shopped at Dollar General Store (3/7/2016) located in Dyer, TN. My personal check was declined. Went to F&M Bank and they asked me to call Certegy. After waiting 40 minutes, and providing them with D.L, routing number and check number they couldn't give me a reason for declining the check.

Why does Walmart and Kroger, two very reliable businesses use this company? You are unable to cash a payroll check or a credit union check at either of these two places if you don't fit Certegy's criteria, which is basically you have to write a lot of checks. Even when they put you on their VIP list you still get declined. This company needs to be shut down.

I went to WalMart to cash a work payroll check and was denied. I was given a number to call on a denial receipt. The women did not give me a specific answer as to why I was denied but basically a bunch of BS. I will never try to use their services again. Worst decision of my day. Next time my banks closed I will wait!!!

Updated on 12/30/2018: There have been some problems recently with the payroll department of my employer, and I was issued a paper check for my pay, instead of the normal direct deposit... So, I went to the Walmart Money Center, to cash the check, and was turned down because of Certegy, and instead of my money, I was given a piece of paper with contact information for Certegy. I cannot wait until I get a resolution from this elusive, clandestine company as to why my check was declined, because I need to eat NOW.

I shopped at Big Lots today (1/30/16) located in Sacramento off Watt Ave and highway 50. I paid for my purchases using a personal check. My check was declined by Big Lots. I asked why and was given a number to call for a company called Certegy. I spoke to an agent at Certegy, who, after researching my driver's license number, routing number and bank account number told me there was no negative information reported (which I already knew) under the information I provided her. However, she proceeded to tell me that the reason my check was declined was because I did not fit their statistical model crap for writing a check... I asked "WTH does that mean??" And, she said, "Basically because you do not write a lot of checks, YOU were denied!" She also said "I will put you on the VIP list, and to wait ten minutes and to try." and have my check processed again. Well, I did just that and was declined again!!

Went to Academy Sports to make a $600 purchase. Check was declined. What?? I am a Dr and my husband is an Executive at a National Corporation. We have no history of any bad checks or insufficient funds. We were told to contact Certegy. The agent we spoke with said there was ZERO history of bad checks and that they did NOT check the bank for funds availability. What she did say was that my husband did not fit the computer model and so his check with was declined. Again, WHAT?? She proceeded to say that she enrolled us in their VIP program so that his check would process tomorrow. Let me assure everyone, there will be no tomorrow. We will not shop with Academy again if this type of shady scam/sham business is who they choose to partner with.

In November I purchased a money order from the Town & Country Kroger in Columbus, OH, for the purpose of paying rent for that month. After a dispute with my rental company which ended in court, it was agreed that I would end my lease with the company and moved out this past month, with the rent payment being returned to me. I made an attempt to get a refund for the rent payment at the point of sale (Kroger), and was notified that based on certain "criteria" that Certegy advised, the money order could not be refunded by Kroger. Now, I had just checked with Western Union the day before to ensure that the money order had not been cashed, and it had not.

Even after being put on 'VIP' status, I am unable to make a deposit. This company is a joke and any entity (Mi Lottery Commission) that uses this pos company is losing a lot of business. I have spent a lot of time, as others have, and been given the same crap answers. This issue should be brought to national attention by the major networks along with maybe the Wall Street Journal and other news sources - The public is being really snookered with this system and quite possibly be illegal.

Certegy refuses Paychex, Inc. checks now. I received my payroll check. I took it to my bank to DEPOSIT it. I was told that the funds would not be available for two weeks because Certegy declined it. If the check clears the funds will be made available. If not, tough. They gave me the option to cancel the transaction and attempt to cash the check elsewhere, which I did. I then took the check to Walmart where it was again declined by Certegy for the same reason.

I went to Walmart to cash a refund check and was denied twice. I was given a receipt with a phone number and I called it. That number didn't work so I googled it (Certegy check services inc 866-544-0234). I was told the reason I was declined because I have not used Walmart's check cashing service before so how in the hell does anyone cash a check there as people move or die? It seems to me because of Certegy business would drop off to 0. It also--Certegy isn't very bright refusing service to new customers. That's bad business.

Wrote a check to JC Penney's December 5 which was denied. Was given the same runaround as many of the other complaints about this company. Penney's denied the check, not them, but based on their report that supposedly my check posed a risk based on the check number and amount. Went straight to my bank who assured me there were no problems at their end. I have had my checking account for quite a number of years and of course I have written a lot of checks, #** shouldn't be considered out of line.

Tried to cash a cashier's check at Walmart in Reidsville, NC. I've cashed payroll there before in the past. Got told they couldn't cash it because of this crap service that they use. Called the crap service and was told "risk factors blah blah blah" and jerked around on the phone by this guy for 20 minutes. It's a cashier's check!! It's as GOOD AS CASH. That's the whole purpose of cashier's checks in the first place! I have no bank as I explained to this guy and he told me I'd have to go to a bank. Dude, I bank with Walmart. What's the point of having a Walmart money card and having proof that I have steady income that's easily viewable by Walmart itself... only for Walmart to tell me that what basically amounts to cash-in-hand is a risk!? They know I get paid. They have it on record! I'm holding cash in hand in the form of a piece of paper straight from a bank, the money already drafted from the account it was sent from. HOW IS THIS A RISK FACTOR?

Walmart check cashing a joke. They will not cash my payroll checks for reasons unknown. Their check cashing system is the worst. I will never shop here again.

There is no reason this company should exist. Lived in Georgia for 8 years, haven't been able to cash a PAYROLL CHECK yet!! FAILURE TO MEET THE PROPRIETARY CHECK CASHING CRITERIA!! I hope one day, one of their own employees falls in this CRITERIA, and it inhibits them from buying food or paying a bill. Let them have a taste of how embarrassing it is! Sure, I have a regular bank, but can't always make it during business hours, so I go to Kroger, Walmart, or some other place to cash a check. Found out tonight, can't even cash at some BANKS, because they use this pathetic company.

Last night I went to the local Dollar General to make a $38.00 purchase. Mind you, I am not one to write checks but recently my debit card had to be replaced so I am having to write checks while waiting the 5-7 business days for my card. Needless to say, my check was declined. I checked my account and called the bank. Finally, I went to Certegy website and got whole lot of bull crap with no real explanation of why my check was declined. I was told to download an application and mail it in with a blank check. Why do they need a blank check?? I'm beyond upset and embarrassed. And what's even worse, there appears to be no solution. I kept researching and did happen to find a listing of vendors that use Certegy so I will know the places to avoid using checks. Very frustrating dilemma.

This is to me one company that has proven to me what they are, they cannot not help, they will not tell why they you sorry code. They have told us our church has VIP Status, which means absolutely nothing. The church had been getting Lowe's gift cards ever since they open here in Goose Creek SC. Taken our check in from the church two weeks ago, check fail. Called Certegy on code 2, said we were put VIP, took check back in fail, then they I cannot use the same check. Went through the church's process, got a new check same failed called Certegy no good, they said it's Lowe's fault. This is one company I hope I never have to call again, this was the most embarrassing situation that I have ever dealt with to get no help.

Last night at Target, I needed to get a few groceries and supplies for my special needs son (diapers, wipes, etc.) when my check was declined. My checks are never declined and I knew I had more than enough money in the account. My debit card was stolen recently and all I had were checks, but my husband was there to save the day. The paper Target gave me said that CERTEGY did not make this decision. I kept trying to figure out what was going on and checked my credit reports and then finally went to CERTEGY's website that had this posted with my encounter:

Tried to cash my USPS payroll check at Walmart today and the system they use - Certegy denied the check. I have been with USPS 3 years and get a check every 2 weeks. Absolutely no problems ever with these checks. There is no legitimate reason to be denied. Had to go ahead and deposit it at my bank and wait for the funds availability.

I tried to cash a check for the first time. It was a refund check from my university and Certegy's terrible, ugly company denied me because it could be fraudulent. I am anything but ** fraudulent you idiots. I hope this company loses all its funding and goes under.

Certegy check service declined my check at publix. Embarrassed, frustrated, time wasted 1 hour and no issue or reason for the decline. I came up in a random verification. They took my private banking info for no reason. Hung up on me, made me late. I feel that my private was violated without due cause.

Check from Farmers Insurance Co, drawn on Citibank, for 200.00 declined at Walmart. Called this POS company and could not get a reason for denial. Stated reason was I did not meet the qualifying criteria and risk. WTF does that mean? I don't know but I queried them for 30 minutes only to get the same "priority qualification criteria". No reason other than they can do what they want. Walmart needs to visit the relationship with Certegy. I was mad at everyone, jeopardizing my relationship with Walmart. I have choices.

Certegy denied my son's check at Academy Sports and outdoors. We followed the directions on the receipt and tried to determine why we were denied. All they would say is it fit their computer model for high risk due to check number, dollar amount or transaction history. It seems that is their standard answer to everyone. I insisted on speaking to the supervisor and said I had a right to know why the check was denied because NONE of the risk factors were legitimate. My check was in the thousands, the amount was under 500, and was tried a 2nd time for half that and was still denied and there is no transaction history. She said she could not give me a specific reason or we would try to "beat" their computer model. UNACCEPTABLE!!! This company cost Academy a sale and they should be shut down. From all the other comments it appears this is their M.O. Businesses... wake up! STOP USING THIS RIDICULOUS COMPANY!!

Our church has been making purchases at Lowe's all month using our checks as the form of payment. We are making renovations for our new place of worship. Only our authorized signers through our bank are able to make purchases. So this month we have spent nearly $4000 at Lowe's alone. The company, Certegy, are the ones that began to decline our checks in the last 2 weeks. 3 checks have been declined. I'm the pastor of the church and I am very upset this keeps happening.

Certegy declined my transaction because I haven't used the service for a while. You are unable to reopen your account without mailing them a copy of the check you're trying to use and your information. Seems weird that they would block people from making them money. It's even more horrible for people who may be going through something and need somewhere like Walmart to be able to cash a check after everywhere else is closed.

Have been denied by Certegy twice in the last two weeks at PetSmart and Cartier. The reasons for denial are not seen by screeners and are called "proprietary reasons." One check for $26.33 and one for $6,804.00. I have no "flags" and write checks in this range. To hide behind "proprietary" information in this case is ridiculous. Having a screener give you VIP status is pure comedy. As a business owner I understand the companies using this type service are trying to prevent bad checks, but trusting an algorithm to make good business decisions is a bad idea. I'm lucky to live in a country where I am FREE to take my business elsewhere.

My bank was closed, its branch was in a Walmart. I needed some cash so I tried to cash it at the Walmart and was denied. I was told it was because Certegy, a service they use for checks denied the transaction so I called them. The Certegy rep said that I couldn't cash checks because I had no history, not because of anything bad but no history cashing checks. So they are denying me service with all their customer because of no reason. The rep said I need to cash smaller amounts to build history with them before I would be able to cash a payroll check. This can't be right denying services for no legitimate reason.

Check declined at Boot Barn. Reasons given was too general and vague. I have never had a check to be declined before. Have had a checking account for 42 years. Will not be going back to them again. Was embarrassing.

Tried to cash a check from a reputable company, and they said it was "high risk". What does that even mean? What is the criteria they use? Who is high risk--the person cashing the check or the business who wrote it? This is a huge power play by a company I've never heard of before today. NOT acceptable, and I'll be writing to Walmart and the Better Business Bureau and whomever else can make things change.

Went to Walmart and they said that they couldn't cash it due to reason 2. Funny thing is they cashed it a month ago and now I'm not given a reason to why it is denied. Worse company ever.

I tried to deposit a check for $1500 for an insurance settlement into an AmEx Bluebird account. It was denied. I have never had an issue with a mobile deposit before. Since when do they make these decisions?

My check was declined and they can't give me a definite answer as to why?

Went to 8155 Elliott Rd, Easton, MD 21601 my local Walmart to cash my 401k check. It was declined reason 2. I called Certegy to get it cleared. They had no answers as to why I could not cash my check. I was told it is probably because I cashed one check there in the last 13 months and this was a high amount. So what? That's my business. Walmart, Certegy is a joke. Get rid of them. You're losing customers. I called the company a second time. This time someone answered the phone from a foreign country and told me to call back in a hour or two. What the heck!!!!!!!!!!!

I recently wrote a check to pay for a purchase at PetSmart, as I had lost my debit card. Imagine my shock when my check was denied!! I'm 64 years old, have had checking accounts, all in excellent standing, since I was a teenager. I own my own business and have a high yearly income. I thought it MUST be a mistake. They tried to put it through again and it was denied for the second time. I called the listed number on the "denied" receipt and was told that there were "reasons" that it was denied. Then she asked me to hold on, came back and said she had put me on the VIP list. I asked her how she did this and she said she could see enough information. She also said that it would most likely result in my check being accepted, but was no guarantee.

Certegy declined a money order that I purchased from their client, Smiths Grocery and stated that my "check" didn't meet their criteria. I purchased a money from Smiths Grocery Store in Las Vegas Nevada on 7/3/2015; location 000370. The money order was for $774.00 for rent due that day. Fortunately, my rent was prorated due to me moving out that following weekend. So I didn't have to pay the full amount. I returned to Smiths on Saturday 7/4/2015 and explained to them that I needed to a refund for the $774.00 money order and an additional money order for $301.00. The agent stated that I had to wait 48 hours for the "check" to go into the system. I thanked her and patiently waited until Monday to return to the store and receive the refund. (Meanwhile, my landlord has been very patient with me but demands the rent today, 7/6/2015 so I can avoid the steep late fees.)

I rarely write checks. Had to today because I couldn't find my ATM card. Big Lots called for check verification to Certegy. I was declined for some weird reason "no factors related to personal information." What the heck is this?

So I got my 401K in the mail from my employment time at WalMart. I then tried to cash it at WalMart, which is where and says right on it, from the very company. What then happens, Certegy of course denies it for being high risk? How is it high risk if it comes from the same place I'm cashing it??? Very confusing and unfair check cashing service!

I very rarely have used checks. Almost always I pay with cash at stores but keep an emergency check in my wallet. Today was an emergency when I got home to find the house flooded. With the current hour I had no place to go but one store which closed in twenty minutes. After quickly heading to the store I realized I had no cash and inquired if a check was acceptable. After looking at the check I was told everything was fine so I filled a couple carts and was promptly declined. Certegy claims my check was determined by the system to be high risk. However the Indian lady with bad English wouldn't explain why my account was considered high risk when I have never bounced a check and had sufficient funds. After checking another store I grabbed some cash and went to purchase my items at a 24 hour convenience store. This store didn't use Certegy and I have already decided to stop using three local stores that do.

5-30-15, I went to Wal-Mart to cash a check from Clerk of Court & it was declined. I was given this receipt to contact certegy. I tried calling, got an automated machine that couldn't understand the ID # I was telling it, got frustrated & hung up. Came home, had my wife check into this on line, to be told on their website, no record of the transaction. I am requesting a copy of my credit report mailed to me. Their requirements for a credit report state name, add., s.s.#, DL #, bank routing & account number. Why do they need your banking info they aren't collecting a debt you are asking for a credit report.

I attempted to cash my payroll check at a Walmart in Suisun City CA which uses Certegy as their check authorization service. My check was denied based on reason 2 which the lady at the Wal-Mart said means it was flagged as a risk. Now my payroll check is from the state of California, as I am a state employee, hardly a risk. I attempted to call the company, Certegy, where I encountered two different women who had zero information and who told me they had no info as to why my check was flagged as a risk. The latter "supervisor" said it was "unspecified." In the meantime I needed my money as my gas tank was on empty, and I was embarking on a trip from Northern California to Southern California.

My check was denied at lowes by Certegy based on computer algorithms that decide whether or not you are more likely to be a criminal and do check fraud. I had funds in my account but this company does not even check for funds because that are a 3rd party! Very angry and embarrassed in the checkout line looking like I was writing a bad check! I won't shop at the stores that use this company!

That is all this company is - data collectors. They denied my son's payroll check when he went to cash it at a Kmart. It had nothing to with his credit rating or anything else. When you call they attempt to get as much personal ID off of you before they will answer a question. Don't even bother calling as their main purpose is to collect DATA and sell it... use it... elsewhere. File complaints, write your legislators... etc... but don't give out your information to this company.

Bluebird deposit denied. I had already deposit checks in this account with no issues. Now I tried to deposit yesterday and check was denied. One for 166.50. I called certegy and was told that there is no reason why but the check series did not qualify. Asked to speak to a manager and was hung up on. Someone needs to sue these people. They act like they are the "gods" to checks.

Every time I go to a store that uses Certegy for check approval my check is refused! My account has ample money in it. There are no flags, bounced checks, etc. I have had issues with five checks in the past ten days. When trying to buy a washer and dryer I ended up going to the bank and writing a check there to get the cash - hoping that using checks would somehow clear my account. I called them and asked about the issue. They say there is no issue with my account but I do not meet all the criteria required by the stores. I ask them what criteria and they cannot or will not tell me. I ask how I can fix it and they say I cannot. They finally let me talk to a supervisor who said he was sending an email to their business office and he would call me the next day with their response.

On two occasions, my employees have taken their checks down to the local Kroger to cash them, and the checks are rejected by the Certegy system. I called Certegy, and they told me that my checks do not meet the credentials that their algorithms need to be cashed. Furthermore, the representative was not able to give me a list of all these criteria. I am very angry, because the clerk then tells my employees that the check is "bad", which is slander as far as I'm concerned. Whatever the reasons are, I feel that Certegy should also be responsible for training the people who use their systems how to talk to an individual without harming someone else's reputation.

I purchased an item with Certegy and paid it off a while ago - however I noticed that they are still deducting a $2.90 fee per month from my bank account monthly. This had been happening for months and I was not made aware of it (except for as the customer service person noted) it was in the contract. (The small writing terms that hardly anyone reads about.)

Walmart 3 times printed refusal from Certegy on 4/24/2015 approx 1200 hrs store #1838 refusing to deposit check to debit card. Walmart Supervisor stated 800 811 1619 Certegy would require contact before any other action could take place with check. Left store with check and immediately called Certegy providing PERSONAL information demanded on open cell line. Certegy claimed no record of the transaction existed, despite 3 printed receipts from Walmart with detailed data and times. Certegy at one point stated an erroneous amount for some transaction. The receipts state "Certegy did not make the decision to take the adverse action and is unable to tell you the specific reasons why the adverse action was taken by us" yet my $250.00 check has been rendered worthless by Certegy who filled with 30 minute plus call disconnects, etc. Will pursue against Certegy AND Walmart.

My wife went to cash a check at William-Sonoma for a $129 purchase. The check was passed thru a verification machine and was denied. We called the bank and the check was good, the account had a $3000 balance and my wife's credit is impeccable. I called Certegy the certifying company. And was told that it was denied because they could not confirm its value. This is nothing but a scam to stop consumers from using checks favoring credit cards.

Went into Walmart last night to cash a retirement check from my 401K. As I'm entering in my SS #, I received a little white slip that said my check was declined for reason # 2 and to call the number on the receipt to this company called Certegy. I gave them a call and spoke with a foreign representative who couldn't speak clear English. I told him my check was declined and he told me it could be for a number of reasons. He researched it and said my check didn't reach their guidelines. I kept asking what were these guidelines and he said it could be because of my transaction history. I have never cashed a check with Walmart so how could this be.

Went to my local grocery store where I have written checks weekly for as long as I can remember, and today I get the above note on a receipt. The cashier wouldn't take my check because of information provided by Certegy Check Services, Inc. The cashier ran it through twice with the same result. I spoke with a mid-level manager who looked in their records and said there was no record of any of my checks being returned - no problems. I told him I had more than enough money in my account to cover the check and that I would go to the bank and get cash for the groceries. That's what I did - no problem. When I returned to the store, I questioned the mid-level manager a bit more and then asked to speak to the manager. He said they've been using Certegy for about 3 years. We called Certegy's number that was provided on the receipt right there from the store.

I was refused paying by check at my Publix Grocery store by Certegy. I called them to ask why and Certegy told me my driver's license number did not match their records. I had to give them my bank routing number in order to continue my conversation with them.

I went to Wal-mart to cash a money order I was paid with. Now here are some details of the money order it was purchased at the same Wal-Mart 3 days prior to me trying to cash it. They said I was denied by this company called Certegy, now I had cashed govt. checks here and no problem. We were in the phone with them-- the "we" being myself and a Wal-Mart employee. The money order checked out fine and they still refused to honor their own money order and Certegy from India couldn't find out why I was denied. It was one reason after another.

This must be the cheapest option for retailers to use because I could not fathom any other reason a company would associate with these people. I tried to cash a check at Wal-Mart for over 2000 which I've cashed checked over 1000 recently no issue. Declined and they gave me the slip to call Certegy... THE WORST customer’s service, this is also unlawful under the fair credit report act they claim to follow. The first rep told me I was denied because I did not meet the "criteria". When I asked what criteria I did not meet to fix the issue she would not answer my question instead just repeating I don't meet the criteria.

Certegy refused to cash a money order that was bought at the place I was trying to cash it and then they refused to cash a state issued child support check for my son. When we called them they just repeated over and over that cashing the check and money order was too much of a risk. There was no explanation as to why it was a risk at all. I cannot understand how a money order purchased at that store was a risk or how a state issued child support check was any risk at all. I think this company is creating problems for people for no reason.

I tried to DEPOSIT, not cash a check from my 401k onto my walmart money card (I have dd setup for payroll to the same card). They asked me to enter my SSN (1st time ever) and I was told I could not deposit it. I got a little receipt that gave some nonsense reason and I am now stuck driving 30 miles to the nearest Bank of America branch to get the check cashed. 5 years using this card/system and never a problem. I suppose I will start using a different bank or reload card and Walmart can kiss off with certegy in tow. If Walmart asks you to enter your SSN you may have the same problem. There is NO reason they need a SSN to deposit a check.

Been cashing government checks for 2 years now at same Wal-Mart - now they won't for no reason stated in their letter of inquiry.

I was checking out at Babies R Us and was told that my check needed voice certification... never heard of this... but OK. Was then told that my check could not be taken because Certegy's information did not match my check. Lots of money in this account... should have been no problem. I called Certegy to see what the problem was and all they would tell me was that my check number and the amount written on it did not match their records. Told me to call the DMV to see if my driver's license number was correct!! Did not offer to check to see if maybe THEY had the wrong information. I have had this bank account number and this driver's license number for over 25 years... this company is certainly screwy!!

Why any retail organization would use Certegy for their check processing company is beyond me!! They employ absolute morons who answer the phone (I believe their call office is in guess where? YOU GOT IT!!! INDIA). I have had two time-wasting calls with these morons and the issue of me cashing a check at my local grocery store continues to be a problem every time I shop there.

I was out-of-town shopping at Target, my credit-card company denies my card because I'm out of state... Okay, we've all been there, frustrating, but I can fix that with them later and a 10-15 min call. So I fall back on my personal check to pay the bill. The checker runs my check and ID, and it is DENIED. I get it all handed back with a little slip telling me it was denied based on MY DRIVER'S LICENSE info. Seriously? I have a 700+ credit score and no legal record, and no recourse but to stand at the register while every form of payment is rejected.... since a line is forming, and you have a million eyes... talk about humiliating.

Also went to Walmart to cash a payroll check and was told they cannot cash my check for reason they won't explain. One was over 1.000 and the other was 200. They cashed the 200 but not the 1000. Both from the same company and same routing #. Called the number and they said they would put me on a VIP status with my SS# but may not still be cashed but to try again. Tried again and still won't go thru... I think it is a discrimination thing in certain areas... Will be requesting a report...

I have been playing online with BorgataPoker.com. No problems as I have never deposited a bad check. The other day I found out my banking account was hacked. I closed that account and reported it to Borgata and used another checking account instead. Borgata rated me a Silver Level one their highest. I played for one day with the new account without problem. Then on the second day I made a small $100 deposit which was declined by Certegy. When I called to ask why they said it was proprietary as I did not fit their risk model. How can they get away with this? This company badly needs to be sued.

I went to Wal-Mart to cash My refund Check because I heard it was the cheapest place to get it at and as the lady is typing in my information to cash me the check she tells me she cannot cash it due to the information on the check as if the numbers were wrong? And she gives me this receipt with a number on it resource #2 so I called the number and it said the same thing saying my check might be wrong? I haven’t went to any other place other than the Walmart because the check cashing places charge 200.

I got off work too late to cash my check at my bank, so I thought I'd just cash it at my local Wal-Mart and do some necessity shopping. Well, I waited in a long line with my sick 18 month old baby for upwards of 30 minutes, only to be declined check cashing, reason code 2. It was about 7:30 pm on a Friday. I have cashed a check from this same employer at this same location, but it was at lunch time. I don't have any negative check cashing history. However, this time I got declined, good ole reason 2.

For the first time in my life I was declined the ability to cash a pre-printed payroll check. The reasons given were unknown, and the damages caused by this were severe. Late fee payments on my bills, unable to purchase groceries, etc.

I just wrote a check at the Dollar General. This is the second time I have done this in 2 months, and the check was denied. I was given no reason. Certegy gives you no reason at the time. All I was told is that it was due to my driver's license. Came home, logged into LifeLock. There is nothing wrong that is associated with my driver's license. This company - Certegy - is hokey! I am all for protecting myself from fraud, but this is ridiculous! Stores are going to lose customers if this keeps happening. It is embarrassing and uncalled for! I spent 45 minutes in the store only to have my check denied. Ugh! I have plenty of money in my account! There is nothing wrong with my license number. This is wrong!

Longest, most aggravating night in Wal-Mart. It's enough I have to get past the chicks in pyjamas, the obese women with their rat dogs in the carts, and the men fighting with their kids to get out the door and smoke that cigarette. Oh yes a pleasant experience in Wal-Mart this was.

This company Certegy is a joke. They need to be removed from stores and places that cash checks. Tried to cash income tax check only to get reason #2. Call the number on the print out handed to you by the customer service rep, call Certegy and they say they put you at VIP status to wait 5 minutes and try again only to be given the same reason. Call again and they can't give any specific reason of why. Tried several places and all use them. It is an income tax check why can't this be cashed?! There are no positive remarks on the company so why are they even in business. Since it was the weekend I wanted it cashed asap. Will take to bank tomorrow and hopefully it can be cashed.

I went to Walmart today to cash my Walmart issued money gram money order. I provided my filled out money order, driver's license and social security number. After a couple of minutes I was told that they couldn't cash my money order and handed me a slip with an error code 2 and told me that I should contact Certegy. I called Certegy and ended up with a representative with broken English that asked me for the routing number on the money order and my driver's license number.

Have been using Walmart for 20 years to cash my payroll checks, as I don't like having a bank account. Have never had a problem until these last 2 weeks. Both my last checks were denied due to reason #2. Verified checks were good with employer (a large company) and got them cashed at a "check cashiers", who is very strict what they cash, with no problem. Nothing has changed for this to happen. Don't have a bank account, don't write checks, no credit cards, check was same amount it always is. Yet still upon calling the number on the receipt, all I'm told is it "didn't meet our guidelines", which they "couldn't" specify what one. So they decided to quit cashing my checks, and no reason as to why. When asked what I could do to fix it , they said "just cash it somewhere else".

My husband went down to Walmart to use their check cashing service to cash a check from his retirement fund company, Fidelity. We've cashed much larger tax refund checks there numerous times. Walmart approves it, gets the money together then tells him they can't cash the check after all after Certegy spits out a receipt with reason code 2.

I tried to cash a WalMart money order and got the good old #2 again. Every time I try to cash anything there I get the same thing. I have change my name, sent the necessary paperwork to certegy 2 yrs ago. The first time this happened never heard anything so I thought I would try again same things, same thing #2 . What do you have to do to be able to cash a check or one of their own money orders??? I am so disappointed in Certegy. I called the number and the girl told me I am going to have to cash it at a bank. WHY give me a reason.

12/26/2014 I shopped for 5 personal items in Walmart that I really needed. Stood in line at one checkout line with Paycheck to purchase the items. Clerk stated she didn't have enough cash in her drawer to cash my check. I took my items to another checkout line and waited. Clerk tried to cash my check but was unable to. The clerk handed me a white square of cash register tape with some writing on it and told me I should call the number on the square. My car was on 0 miles to empty, but I managed to make it back home.

Our check was denied at Big 5 in Tehachapi, Ca., even though it was from a local bank. The salesperson just handed my husband a piece of paper with Certegy number and address. Said she had no idea why it was denied by Certegy. We have great credit & money in the account. My husband has written several letters to them and they replied with nonsensical letters. The last letter addressed our "ID Theft"!! There was no ID theft!! I don't think we will shop at stores that use Certegy from now on.

Friday 12/12/2014 I went to Walmart in Sayre Pennsylvania to cash my payroll check from UPS. The check was declined, they printed out a slip with a number to call. I called the number and got an automated message saying there was no reason on why they denied my payroll check. I then left and went to kmart and got a different answer when I called it was reason #2. I did some digging around, found a number for certegy game services. I called, they claim I wrote a bad payroll check which is a lie. I then called my work UPS and they looked up my payroll check and it was valid. I called back today 12/13/2014 and now they have no record of me on file. So I went back to Walmart to cash the check and was once again denied. I called back the number for certegy. This time they demanded I give them my routing number and my account number, my drivers license number and my.mother's maiden name which I refused to do and they hung up on me. I called back to speak with a supervisor. The woman on the line claimed she had no supervisor only a manager. I asked to speak with the manager, again I was hung up on. I called back and asked again for a manager, they refused to let me speak with them.

Tried to make a Xmas purchase of $97.17 - Check declined! Clerk gave me a little square of paper saying I should call the number listed. Tried to get through by phone but number on card did not work. Researched CERTEGY and found a working number. Customer service rep. went through long monologue trying to explain but told me nothing saying only that they have "certain criteria". Asked for more personal info which was not necessary. I have worked over 50 years building an AAA credit rating and never bounced a check or had one declined. This is nothing short of criminal if it goes against my record. Will it happen again? I now live in fear of a replay...

My experience was as follows: I tried to write a personal check on my bank account and it was declined! This was at my local Shopko store in Sioux Falls SD. The check-out gal did not give me a phone number to call, but just simply said, "Sorry!" I asked if the check could be run through the machine again, but the check-out gal told me, "Once it's declined, it won't let me run it through again." Needless to say, I was upset! I couldn't believe that a store uses a machine to tell the clerks whether a person's check meets their (varied) criteria or not. At this point, I told the gal to "forget the whole thing!" and I walked out of the store empty-handed. It is not right that stores feel they have the right to dictate in what manner customers should pay for their goods! That same day, I wrote a frosty email to the company and related my experience to them. I actually got a long-distance call from Shopko who expressed sympathy for my experience. When this caller asked if I had received "the phone number,” which I had not, she gave it to me and told me to call them (Certegy).

On 11/30/2014 I attempted to purchase kitchen items at a Lowe's store in Southlake, Texas. The check was rejected by CERTEGY system. I called the number on the printout that Lowe's gave me. The message said that was not a working number. So I researched CERTEGY and found a working number. The female I talked to could only tell me the "system sets up criteria" for approval and she did not have that information. So basically she could not tell me why I am a risk to Lowe's. She asked me for much of my "personal information" which I do not think they should be getting, not telling where that information goes if she can't tell me what the criteria was for rejecting my check. This company should be out of business.

I went to pay for my purchase at Kohls in Mechanicsville, VA and was denied by Certegy. This is the first time this has ever happened to me. I clearly had adequate cash and rarely write checks. When I called the number on the back, I got a recording with a generic explanation. Furthermore, I could write and send in my concern but I would have to provide my: name, SSN, routing number and contact info. Are you kidding me? Major retail stores should stop using this service and use more advanced immediate-withdrawal-and check-return-systems like Home Depot and other retailers. Not only was this a major embarrassment and frustrating, I had to use my debit card- same account from which I was denied. It was truly a random selection with no sound basis. Additionally the recording asks/suggests you to enroll in some protection plan- organized theft. I feel sorry for the less informed of savvy consumer. I am headed to my bank today- skeptical of their validity.

Today, 11/20/2014, I tried to load a WalMart money order, MoneyGram, onto my debit card made out to me and was denied by Certegy Check Services which is WalMarts check cashing verification company. The reason was a #2 which as of the time of this posting I have been unable to find out what the meaning is behind #2. I called their 866 number numerous times and only get a recording. I have been unable to get a hold of a real person. The ironic thing is that they approved 2 of the 4 money orders I was trying to cash/load. And all 4 money orders were WalMart MoneyGrams. If anyone has information on how to get a hold of a real person I would truly appreciate the information. And after seeing the many, many complaints about Certegy it seems WalMart should change their check cashing company.

On 11/20/14 I attempted to cash a $271.25 payroll check from Rice University at the Walmart (store 5116) in Laporte Texas. I inputted my SSN on a keypad and was informed that Walmart could not cash the check based on information supplied by Certegy. I called Certegy at 866-543-6315 and was informed that "analytical models" indicated that there were risk factors involving the check itself. Nothing was mentioned about my credit worthiness. I would like to see if Certegy provided me false information, since I believe they made a decision not to cash the payroll check based on something in my credit report (which they may have accessed once I gave them my SSN), and not due to the risk factors with the check itself. If their decision was based on my credit worthiness I feel they had a duty to tell me so that I could investigate to see if there was derogatory or incorrect information on my credit report.

Went to Walmart in Cuba Missouri, the same Walmart that I cash 2 checks at a month for the last 3 years to cash a check I received from Edward Jones for selling some stock, and it was denied by Certegy for reason #2. I call the 800 number on the slip, and the man on the other end could barely speak English asks me a series of personal information that should have nothing to do with if a check from Edward Jones is acceptable or not. He couldn't give me a reason why, just some generic speech about check series, number, etc. He also didn't even know what/who Edward Jones was... I don't really know how that is really possible...unless of course I wasn't speaking with someone from the United States.

I tried to cash 2 checks in a row at Macy's today for $193.93. Was turned twice down code 2. Tried Certegy 800-831-5573 number and got the runaround. If Macy's won't take checks just tell me.

I recently moved from Huntley IL to McAllen TX. I own a rental property in Delavan Wi. Per our lease agreement, my tenant pays her monthly rent with a money order. On 11/14/14 I attempted to cash the money order at Walmart in McAllen. I was turned down and was given a receipt of "explanation" stating the decision not to cash the check was based on information from Certegy Check Services. Reason 2. I called the 800 number provided on the chit and was only given a standard recording, no definition for a reason 2 and so far have been unable to get any information online other than an address to write them. I have never had a problem cashing tax return checks or payroll checks at Walmart in the past. The real irony in this situation is that it is not a check, it is a "MoneyGram" money order purchased with cash at Walmart in Delavan Wi. So, in summation Walmart is now unable to cash their own money orders that they sell to consumers based on some arbitrary decision made by some random check cashing service that they hired. It looks like Certegy is not very popular with consumers according to any other info I've read online. In fact, did not see one positive comment.

Today was the second time I've dealt with this god-awful company. I travel for work. I'm from MA. Went to Walmart down in Maryland, where I'm working currently, to cash a PAYROLL CHECK. (mind you, from a very large, established corporation) I've cashed several checks at walmart in the past with no issues. They denied it, only reason the cashier could think of was because the amount was "too large". Are you kidding me? It's not like I've changed my ssn. I'm still the same person. I called the number hoping to reach a real person. Wishful thinking. So, I searched for an email address so I could chew someone out about this BS. Of course, none available. Obviously they received too much hate mail from pissed off people and had to get rid of it. This was a borderline emergency, and I hope to God Walmart smartens up and dumps these idiots. Completely useless.

I tried to pay for a purchase at Art Van Furniture in early October 2014, check was declined, frustrating because I did not want to use my credit card. Clerk was very courteous and gave me the company name but could not tell me why. I called the 800 number and was told they could tell me anything unless I gave them my social security number. Sounds like identify theft to me.

I tried at K-Mart, and Shop 'n' Save store and a Walmart to get a check cashed. At Kmart and Shop 'n' Save - I was DENIED! So, I called them, and I actually got to talk to a person. They said my report showed no bad checks (of course) but that is all that they would tell me about my 'file'. So, I requested that they send my information they had on 'file' about me. When I got it I don't recall it saying much, so I called to dispute them telling these stores to deny my check cashing requests. The person at Certegy said they couldn't tell any more, that I did not meet their requirements etc etc - I had asked, "What are your requirements?" - They said something to the effect that they could tell no more! I asked them, "How can meet your requirements when I don't know what they are?" Mind you this happened months ago with these two stores, and I had already been cashing my checks at a local grocery without f and when it gets to a question that askail for over a year! But, these stores were closer to home and it would have been much cheaper to pay $3.00 instead of what I was paying.

My cousin is renting a room in my property and to establish payment history pays me with MoneyGram money orders and keeps the stub. She buys them at Walmart money center and I then go and cash it there. On 10/19/2014 I went to Walmart to cash it, and they said they couldn't cash it and their computer printed a receipt giving code 02 and telling me to call an automated number. I called and it said it was Certegy, a check clearing service. It then asked me to say what I was calling about and say the transaction date and amount and it would keep saying it didn't understand me and just hang up. I had to punch it on the keypad using 1 for yes, 2 for no even though it wouldn't offer to use keypad itself like other automated systems.

I had a payroll check denied in December 2013 because of good ol' "Reason 2". In Walmart's defense, using Certegy's filtering system to deny check chasing services is probably a quick and easy way to protect themselves. BUT they really need to put a disclaimer on their website and signage in store, so at least everyone knows in advance what might happen. I will have the occasion to try it again in a couple of weeks and will post again if it is declined after 10 months of not using their services.

I drove a half hour on Sunday to cash a check. After wasting 10 dollars in gas to have my employer's check declined. I work for a multi-million dollar Ag corporation. But they don't provide checks issued to certegy. I wouldn't either. I've never been so disappointed in a check cashing company. I'll never deal with them again. If I have anywhere else in the world, I'll go there.

Our son's hot water heater began leaking a couple of days ago and because we didn't want the bottom to fall out and have him drowning in 50 gallons of water, we did what any self-respecting parents do, we took him to Lowe's. We first drove to the Lowe's that was close to his condo, only to discover they did not have the one we needed in stock. We had stopped by our local Lowe's store and found one there prior to driving 15 miles in rush hour traffic to his condo. So off to our local Lowe's still in rush hour traffic (don't know why they call it rush hour when it is all day). My son had called our Lowe's and spoke to man who told him that he would be there until 9 pm.

First we were told that there was no account fees, lies. I log on to try and pay our remainder of the account. The website is a useless piece. I send an email. No reply. I call. BOTH the rep and manager were ignorant and arrogant providing no customer service. Extremely angry. Will never use this service again.

On July 3rd I bought $10,000 worth of windows from Lowe's and wrote a check. On July 29th I get a phone call from a company that did not identify themselves but asked for my address and checking account no. I asked what this was about and they said they were collecting for a debt. When I asked for what they said they wouldn't give me any info until I gave them what they asked for... I said "Well, since you called me you probably know my address and no one in their right mind is going to give you a checking account no. without knowing what it's for." Then I hung up.

I've had more than 10 checks in a row declined by Certegy. American Express uses Certegy to verify checks deposited with their mobile AMEX Serve Card application. I have spent time and money sending personal data in detail to Certegy. They will not cash a single check. My FICO scores are 800 or higher on all three services and I load thousands on my AMEX Serve card via other methods. But Certegy will offer nothing, no guidelines or clarification. They always say EXACTLY the same thing, DECLINED by their software programs which they cannot override, not EVER.

Just like many others. I went to Walmart to cash my check PAYROLL check. Declined at counter. Called Certegy. "We cannot disclose the reason your check was declined... We suggest you cash your check elsewhere." I LIVE PAYCHECK TO PAYCHECK AND CHOSE WALMART BECAUSE THE FEE A LITTLE LESS. Had I known about Certegy prior I wouldn't have driven across town on an empty tank of gas. Don’t know if I will make to the nearest bank now. Thanks Certegy. Good to know another company in world has an utter disregard for dignity of working class people.

I went to Wal-mart in Clarksville, AR and at their customer service, I stop to pay a bill on my credit card with a com-check. It states on the front of the check to call a 800 number for approval. The lady said that she just took training in com-check. She ran the check thru her cash register and it came back that the check was denied. I then told the lady that the procedure is to call the 800 number to get authorization. She then called to get the authorization number and com check office gave the authorization to cash or accept the authorization number to approve the 800 check to be cashed or spent. I did not want any cash back. I wanted to pay off my walmart credit card and spend the remainder in diesel fuel. She ran the check thru the cash register again and it came back from Certegy Check Services to not cash the check and that it was not approved.

I had an issue regarding a check that I tried to deposit through my bank's app. The girl I spoke to (she did not give me her name) mumbled through the questions she needed me to answer. I had to ask her several times to clarify herself and after doing this once or twice, her tone completely changed and she became incredibly rude to me throughout the rest of our conversation. I even apologized for not understanding her and she continued to speak shortly to me. She did not resolve my problem or give me any suggestions as to how to fix my issue.

I tried to open a savings & checking account with my 401K check and was refused cause Certegy stated I had a bounced check on a closed account. When the bank showed me the information, it was my niece who has the same name as I do but a different birth date and different social, so why were we linked up? I am not responsible for my grown niece and her financial issues. When I called their number, I had a women who didn't understand me (kept having to repeat everything) and I had trouble understanding her (English was her second language and I am hard of hearing). She only stated that she would investigate and send a letter. I am not even sure she would know where to send the letter to!! I had to go to my previous bank which is quite a distance to deposit my check (was wanting one closer to my new address) in an existing savings account. I am unsure how to have this removed from my name and social and would appreciate any help.

I just started a new job with Apple, one of the largest companies in the world. Got my first paycheck and went to cash it at a grocery store that uses Certegy. Check was denied. First I called the company and got some woman on the phone that couldn't speak English and apparently had a third grade education. She would not give me a straight answer on why they wouldn't let the check be cashed. So I got online and went to the Certegy webpage. Of course when trying to look up my check, the website did not work. It asked for the check number but wouldn't let me put in the full number. So I called back. This time the woman spoke English. The woman I had spoke to earlier had put all the account numbers, routing numbers and check numbers in wrong. But still I am unable to cash check.

"Our records indicate that there is a returned check on file under your ID. We understand and apologize for any concern caused by your check not being authorized". This is incorrect information, we have not had any checks returned, and they don't specify the number of the supposed returned check. We have excellent credit, and always keep an adequate balance in our checking account. There is absolutely no reason why any of our checks should be declined. When you call them to complain, you get an automated answer that asks for personal financial account information that we are not comfortable with providing to them. There must be a better way to do things than this.

This company has continuous issues w/ not accepting personal checks online into your bluebird account (decline notices show up often many days later after original submission). Bluebird advertises the ability for this service but 75% of the time this is unobtainable. This is borderline fraudulent in that it ties up funds owed you, in which you count on becoming part of your balance.

Certegy declines checks for no reason because it is not a check service but is linked to Certegy Recovery, a collection company, and only wants people’s info so they can sell the info about people and who is giving them checks to other collection companies so they can go after them.

After presenting a personal check for payment to Lowes in California, I was declined and given a numerical code and asked to call Certegy to find out why my payment was rejected. This code numbered 2, stated that due to myself not writing a check for several years, Certegy didn't have enough information on record to "SAFELY" give Lowes a thumbs up on accepting my check. I was on the phone with the lady from Certegy for a better half of an hour, and by the end of our conversation, I was now considered a V.I.P. MEMBER of Certegy, and although they couldn't guarantee that any of my future checks would be accepted, being a V.I.P. MEMBER " GREATLY REDUCED THE RISK OF THEM BEING DECLINED" while presenting future checks as payment. This status would be active for 21 days from the date of my 1st call to Certegy, and if I wished to continue with such status, I would need to fill out their official enrollment form and snail mail it back.

I've been out of work for 2 months due to a temporary disability. After struggling to get my doctors and Aflac to communicate, I finally got my first disability check (Saturday afternoon, bank closed). Being 2 months without a check, our pantry is in pretty sorry shape. I went to Kroger food store to use the check cashing service, but was denied by Certegy, and I too was handed a slip of paper with a telephone number on it. I called the number, and was greeted by a computer. After following the prompts, I was educated to the fact, that the transaction couldn't be found. I asked the young Kroger clerk to attempt the transaction again, resulting in the same obscure denial. In disgust, I left informing my wife that I was going home. She pleaded with me to try again at Wal-Mart. To make a long story short, we bumped into Certegy again, and drove home to our empty pantry. I'm glad the economy is safe... Directions to the food bank please?

I was unable to buy groceries thanks to Certegy's crappy useless system. They declined a perfectly good check for no damned reason other than I don't write checks a lot. Usually I use a credit card, but forget it at home. So was told they declined the check and too bad - just use another way of paying. If I had another way I wouldn't have used the check in the first place. Pick N Save uses Certegy! How about we boycott them till they get rid of this useless company! I went to Woodman's and they were perfectly happy to take my check, plus it saved me $10! Certegy is such a no good company they were forced to pay over $3 million to the govt for the way they treat innocent customers! Tell the stores to get rid of Certegy or take your business elsewhere!

Certegy recommend that Walmart decline cashing a check with reason two given. Walmart has cashed three of these checks from the same issues and this is over a couple months, and I haven't tried to cash a check since about 24 days ago. Walmart should be able to verify they have been paid on previous checks. Certegy couldn't even tell me the reason the check was declined, giving me things like it could be the routing or check number. I sat on the ph for almost an hour just to get hung up on which in I asked to be transferred to a manager.

Heads up about Certegy Check Services, Inc. per an Aug. 15, 2013 press release at **, Certegy Check Services to Pay $3.5 Million for Alleged Violations of the Fair Credit Reporting Act and Furnisher Rule, and in 2013 were assessed a Penalty that is Second-largest in a Fair Credit Reporting Act Matter and ordered to change their complaint, etc. Procedures which apparently doesn't sound like they did. My advice is that everyone who has had a check declined by them for no apparent or legitimate reason should contact their Congressmen mentioning the problem and the above mentioned legal action concerning this company, and file a complaint with the Federal Trade Commission on their website or by calling their 877 number listed on-line in the above mentioned press release.

I went to Wal-Mart today to cash my check as I always have every 2 weeks for over a year now. However, today my check was declined. I was told they could not cash my check and they didn't know why and handed me a slip with a notice saying: “Reason 2 We cannot cash this check. Our decision was based on information provided by Certegy Check Services, Inc.” and to call the 1-866 number. When I called the 1-866 number it just told me the reason had nothing to do with me or information contained in my check transactions file. So basically they declined to cash my check because they felt like it.

I am the representative payee for a disabled person. I normally buy household goods at Dollar General from the Rep. Payee checking account. Today, the check was rejected. When I asked why, I was told they did not know; there would be a number to call on the slip that would be printed out. I went back out to my car and called the number, only to be told it wasn't rejected because of me or the account that it was a random rejection. Then asked if I wanted to sign up for a VIP service through them. NO, you just made me look like I was trying to pass a bad check!!!

Went to Walmart today to cash my state-issued income tax return. Denied..reason 2... Past years no problems, and this is a state-issued check! Now I gotta deposit the funds, wait for those funds to clear with the bank before I can use any of that money... This company is a joke. Something needs to be done... filed a complaint with the BBB.

Tried to pay for part at a Ford dealership but was denied. Was told my bank had put a stop payment on check. I contacted my bank and was told no stop payment was made and in fact they were not contacted. Called Certegy back and they repeated the same reason with my bank teller listening. When I ask for an explanation, they did not have an answer but could not approve check. I filled out a form for a report but still have not received an answer. This was 2 weeks ago. I have check to see if any negative information was on my company files but was informed from my bank that the account was in good standings.

On 3/24/14 my wife presented a check for 143.22 at a Target store in McKinney, TX rather than using a debit card because of concerns about identity theft. The check was declined by Certegy. I had a similar experience at an Academy Sports in 12/13. Neither my wife or I have ever presented a check which failed to clear. This time we contacted Certegy and spoke with Ann #** and after repeatedly be asked for and refusing to give the routing # and account # of the checking account (does she think I'm stupid?!!!), she finally told me that Mary Anne's check was declined because of an error in their system but we could avoid this problem by requesting VIP status which I feel certain is not free.

Had done some subcontracting work for a company that uses PNC Bank issued payroll checks. So of course being the type of bank that PNC is & why people get cynical of banks & with PNC, rightfully so, I went to cash my check at a local PNC Bank. But since I did not have an account with PNC, I was informed there would be a $10.00 charge to cash my $120.00 check. So thinking that to be a ridiculous charge I refused & left. I do my grocery shopping at Kroger and had heard you could cash checks there & so I did with no problems. But then a couple days later I tried again with another payroll check & was refused. The customer service clerk told me she didn't know why and that I needed to call Certegy (the company that Kroger uses for this service) & they could explain why.- So I did.

I submitted a personal check at Lowes, Harlingen, Tx. on March 13, 2014, in the amount of $123.41 which was refused because of Certegy. I phoned Certegy for an explanation - after several minutes of conversation, I still did not have an answer--the person would not give me a reason. I have never had a bounced check and have been doing business with my bank for more than 75 years - I carry a large balance in my account. A 99 year old woman does not need this hassle in the future, I will take my business elsewhere although Lowes is a favorite store. Thanks for listening.

I cash my UPS checks at Walmart every Friday morning after I get off. I have been doing so for the last two months. It was about 3:30 A.M. when I first attempted to cash it. But it didn't work. I got a reason too and I was also given a little slip of receipt paper telling me to call Certegy Check Services. I thought okay, I'll just try again in about 30 minutes or so. Went back, tried again, same thing. Why is it that the last 12-15 checks I have cashed worked EVEN WHEN THEY WERE FOLDED, WRINKLED, OR HAD BARELY LEGIBLE NUMBERS? But thanks to that happening, I have to wait until in the morning to go to a bank to get it cashed. Something has to be done with Certegy's approval system.

I stopped by Marshall's and found a pair of shoes and a shirt, total $62.xx - didn't have my debit card with me, but I had my checkbook, okay no problem. Get to register, write the check, give them driver's license... problem! Check is "declined". Wait, how can that be, I have plenty of cash in my checking account - the girl gives me a "Certegy" card with a phone number - I took out my cell and called them right there from the register. I get a woman who can't speak English and talks so softly, you can't hear what English words she DOES manage to get sputtered. She kept saying, "The transaction was processed correctly", but yet it wasn't - I paid with a credit card, left the store, called my bank (who informed me that NO check had been declined or was even attempted) - then I go to Certegy's website and get this:

I went to write a check for groceries I had gone around the store shopping for over two hours and I went to pay with plenty of money in my account and I was not approved, for what reason I don't know. When I called they couldn't tell me it's ridiculous. The stores should keep their own records of who has been able to pay with no problems in the past and he was not. I totally think that This and other organizations like them are total ripoffs for both the merchant and the consumer. It's not accurate and they're only there to make money off of other people's problems or invented problems.

I had some problems with my bank account this past December due to the Target incident. Now I cannot use my debit card or write checks because of Certegy. Back to good old fashion cash.

I went to Walmart today to cash a check for a small amount of under $100. This is because my bank was closed and Walmart was convenient. I have been going to this Walmart for years now cashing small checks with no issues whatsoever; however, today the man at the money center handed me the check back with a piece of paper and said my check could not be cashed because it was declined. It was from my payroll department as reimbursement for work boots, so it's not like it was written in crayon.

My husband tried to write a check at PetSmart. Normally I do the shopping for the family; however, due to illness he had to run out. The total was $62.00. He presented a check. It was declined. He was told that it had nothing to do with his checking history - which is spotless. Rather, it was due to a computer program that determined that he does not write enough checks, which makes him a risk. So it declined his check. PetSmart could have called the bank to verify funds, but deemed it not their responsibility.

My husband and I have each tried to cash payroll checks at Walmart over the course of the past few months and have been declined each and every time. I think that it is sickening that we as hard working people cannot even cash a check. I know what some of you are thinking. (Get a bank.) To that one, I say that we are in the middle of changing banks. Second, (Wal-Mart doesn't have to provide the service). Yes, that is true, but the fact of the matter is that they do provide the service. I do not appreciate the low level of customer service of Certegy.