Certegy Reviews

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.

I went to my local Walmart to cash my paycheck and put it on my Walmart pre-paid card. I had my paycheck and my Christmas bonus. My paycheck was no problem but when the lady tried to submit my bonus, it came back with a code 2 - denied. I contacted Certegy and they tell me they have no record of this transaction. So today, I went back to try again and it was the same thing. Nothing changed between the checks, yet one was accepted and one declined. Why? How do I resolve this?

I went to HEB to cash a check for cash. I cash checks there often and today it was declined. I called the number on the card I was given, but I did not get through to anyone. Apparently, there were to many customers waiting. I got home and went online. I entered the transaction information. This is the message I got. What the heck?

Today I visited a Michael's Craft store and wrote a check for 25.33 only to have it declined. I recently had to have my debit card replaced and it hasn't arrived in the mail yet, so I have had to write checks the last two weeks which I normally would use my check card. The store told me to contact Certegy and they could tell me what the problem is. I asked if there was anyway this could be a clerk error because I was positive there was money in my account. They simply said they could not accept it. I called Certegy only to be told a canned response over and over - that my check failed "certain criteria" and they could not tell me exactly which criteria it failed. I asked what the criteria was and was told that the criteria is the check number, amount, location and history.

Today's date, Certegy declined my Dept of Treasury refund check without giving a valid reason.

I went to Walmart today to cash a payroll check for $286. The transaction was declined, they gave me reason number 2. I spent 20 minutes or so trying to reach someone at their 800 number and it kept hanging up on me saying, "All agents are busy, please call back later." I got online and found a different number which put me straight to a customer service agent that barely spoke English. She asked me for tons of personal information for a payroll check then told me that the check didn't fall between normal guidelines for approval, that either the check number was off for the amount was off from what I normally cash. I have worked at this employer for 3 years and have never had a problem cashing a check at Walmart. Rather than offering any solutions at all, they told me I need to go to the bank the check was written on and cash it there which is about 4 hours away from my location. I know that it wasn't Walmart that declined the check but they really should consider using a different company for the check verification as they may lose a lot of business with this one. I can tell you that if I go somewhere else that will cash it, I'll be doing my shopping there instead.

I used to cash my paychecks every week at Walmart. I have been out of work for over a year. Since Christmas is upon us, I decided to cash out my easy IRA. The IRA was through HR Block. The check is drawn off of HR Block bank. The check was refused with code 2.

We had a check denied at Menards (which is a 45-minute drive for us) and were floored as we had plenty of money in the bank to cover the transaction. We went back the next day (to buy a heater that my husband desperately needs for his shop) with CASH only to discover the sale was over and the heater would cost more than twice as much and were forced to go home empty handed. When we inquired as to what was the problem, Certegy only informed us that our check fell "outside our guidelines" without informing us what the guidelines are.

Just like everyone else... This company is a joke! I tried to pay my Verizon bill online (which I do every month with the same account). Well it got denied. What?! I been using this account for years!!! Paying the same cell account for 14 years!!! And now something is wrong with my checks?! I don't think so. The website is no help and no it's a pain to speak with someone.

Went to the Douglasville, Georgia to cash an airline refund check for $230. After attempting to speak to a representative for 30 minutes where the person barely is able to speak English, I was given a denial reason of "2". During the process, they performed a credit check of myself without my approval. The Walmart service representative told me that she did not know the specifics for a reason 2 for denial. I was given a receipt and told to call Certegy to reveal the denial to cash a check. The Certegy started by say that the denial was not due to my personal credit report. Repeatedly having to give the check information I was told the refusal was due to "the issuer has an unacceptable history of writing checks and their credit history. The issuer of the $230.00 check was Delta Air Lines.

Would not cash a paycheck from a christian school. Walmart has cashed this check before but this time it gave a code 2. I called the number. I let them know it was not a personal check but a payroll. They wanted all my personal info including my routing and checking account number. Could not tell me why.

I recently tried cashing my check at Walmart and I was denied due to "Reason 2". I got the 1-800 number and called them the next day and spoke to a representative. I asked if an override was possible. She told me no and I asked to speak to a supervisor. She hung up on me. I called again and explained my situation again, and was given the same scripted response. I escalated the call to the highest manager in the call center, which I found out was in the Philippines, and was told the same thing. I asked to speak to an United States rep and he told me that the reason 2 parameters are very loose and can be denied for any reason such as cashing a check in a different location. Afterwards, he said that I can try again in a few days. It took 5 reps and 1 hour on the phone to get this resolution, which in my eyes is unnecessary. I was denied due to cashing my check at a different Walmart 15 miles away. Avoid cashing your check with any merchants using this service.

I went to cash a corporate check made out to me for services rendered. I had done this previously many times before. Certegy denied it. I called Certegy, and after 2 phone calls and 20 min, they said GoDaddy had a negative response. I ended up depositing in into my bank account, but that is not the issue. The check was good. I use this type of service sometimes when I am traveling. WTF? Wal-Mart won't go bankrupt with my choosing to use a different method to cash checks but c'mon now?!? How long are we going to sit back and let crooked corporations take advantages of the regular Joe? Are we being profiled? Is Certegy violating the Fair Credit Reporting Act? Will someone blow the whistle on this company?? I will follow!!

Certegy is a spin-off of Equifax, and that right there explains everything to me. My check was just declined, at a Dollar General I shop at at least weekly. This is the third time that Certegy has declined a check, one at Dollar General and 2 at Murphy Gas USA. You call and ask customer service, and it is so easy to tell that they are reading a scripted response, as is the supervisor I spoke with. My check was declined based on my "check writing habits". Hell, even I don't know what my habits are when it comes to writing a check. Today, my wife forgot her debit card, so I gave her mine, as I had the checkbook. We all know what happened after that.

I have been using Walmart to cash checks for years. My employer recently started using Certegy, the company Walmart uses. Now Certegy won't guarantee my pay checks and the result is I have to cash my checks elsewhere.

On October 20, 2013, I went to the Avenue to pay my bill as I always do every payday. I wrote a check. When the clerk entered it into the computer, it came back as denied. She tried it 5 times as I am a good customer. It still came back denied. I was given a card with a number to call. I called the number on the card and gave them the information that they wanted. The person came back and said that I have no negative or derogatory remarks, no bounced checks, and my driver's license is clear. I then asked why my check was not approved. The person on the phone stated that their computer system based on their module and the way I write checks that I am a threat. I asked them over and over again to explain the module the computer uses to come up with how I am a threat; she was unable to do so. She stated based on the threat, she was not able to override the check so that I can pay my bill.

I received a MoneyGram money order in the amount of $500. It was purchased at Walmart. MoneyGram verified it was legit and everything was good to cash it. I had to just go back with my driver's licence. When I returned later to cash it, Certegy declined it. After spending hours on the phone with them over several days, they still would not give me an answer WHY! I demanded to speak with the supervisor of Certegy, & after my questioning, she got very rude and hung up on me & stated it was not her problem & she didn't have to waste her time explaining anything to me. No place (even my bank) would accept the MoneyGram. So I thought I basically had a $500 piece of ** wipe. I finally was able to convince my bank to cash it. My bank has warned me to never again accept MoneyGram money orders through Walmart, as they go through Certegy & are most of the time near impossible to cash, even though they are 'good'. After my experience, I will never again even shop at Walmart, as they can't/won't back up the things they sell. As for Certegy, that supervisor that hung up on me, had better hope I never run into her in a dark alley somewhere.

I had two checks rejected this week by Certegy - one at a car maintenance place and another at a sporting goods store. Same as everyone else here - the clerk handed me a card to call Certegy - there was no live person there so I inquired online and it said no negative issues, but the computer did it and I need to sign up with VIP - and there is no guarantee though - for them not to reject my checks. WTF? I have NEVER had checks rejected before in my life until this company. I think we should pursue a class action lawsuit. I am very angry about this.

I went to write a check at Albertson's Grocery store, and my check was declined, in front of a long line of other customers. The cashier handed me a Certegy card and told me to call them. When I got home, I called, and the person on the other line assured me that it was nothing negative on my part. She stated that the decline was "computer generated". She said the computer can decline a check at any time, and that it tracks "check writing patterns". This was just useless information as far as I was concerned. I had only written one other check that week.

Wrote a check at Murphy USA and it was declined. I went home and called the number on the receipt. Certegy said they were updating the computer and I should call back in an hour. I did and a lady said it wasn't because of any negative information. She then said the computer makes the decision but she could not tell me why it was declined. WHAT? It’s your computer system. How can you not tell me??? She then said that I was eligible for the VIP program which would increase my chances of getting approved. Fine. She said go back and try again. I went back to Murphy USA and was embarrassed again. Omg seriously?????

I was buying clothes at Dillard's. It took 20 minutes for an override for my first check of $103.90. An hour later, at the same store, my check of $98.20 was refused. Certegy's excuse, their computer models based on normal check writing habits, amount, check series, and the transaction flagged it. I have excellent credit for 50 years, well over the total amount in my checking account, no bad checks in 50 years, BUT I carry an IDENTIFICATION card WITH my photo. BUT it is not a driver's license. That is discrimination. They have no valid reason to refuse my check. Their model is assuming that someone who can not drive, i.e., disabled/elderly, is too broke to cover checks at a nice clothing store. That is discrimination. I have purchased clothing at that specific store since 2005 and probably earlier, BUT I have not in the past six months. I pay my bills, I have money, but I CAN NOT WRITE A CHECK.

Your company is one big joke. I went to Walmart to cash a money order and guess what?!?! I couldn't cash it again! This has been going one more than 11 months, every month. If you don't believe in your own cashing agents, then why use them. Every time I go each month, there is a new excuse why they couldn't cash it. I have all the info that they ask for. This is inexcusable!!! I want my money when I get the money order. I am thinking of going to our TV station and see if they would like to do a story about this. I know a lot of people who go through this would like to know why they get that little piece of paper with reason # 2 and to call 866-278-5478. You get another excuse there and still can cash it. PUT UP OR GET OUT!!!!

Went into Walmart to cash a certified check drawn on Pacific Trust Bank. They would not accept it. No reason given. I was given a receipt with a denial code of "2". I called the number on the ticket and they said it was not denied because of anything I did, but that the check may be fraudulent. It was given to me by my employer. It was a "Certified Check", not a payroll check, not a personal check, but a guaranteed, certified funds check. I asked what was the exact reason and they couldn't give me one because the information is proprietary and giving that out could allow bad check writers to circumvent their system. BS! I chose not to have a bank account so I couldn't just deposit it. So I ended up going to Fashion Island in Newport Beach to a Pacific Trust branch and cashed it there. Hey Walmart, hey Certegy, KMA!

I shopped at Pick 'n Save, a div. of Roundy's Foods, in the evening and the bank was closed. I was waiting for my new ATM/debit card to arrive, and had to survive on cash and checks. I wrote the check for cash back, and it was declined. I had the funds in my account, and I was so embarrassed. They said it was because my old debit card was linked to the checking acct. So I told them I guess I can never shop at their store again, since I should not be required to cancel my checking acct. Then they began to accuse me of trying to write a check on a closed acct. I said I would never do that, and now terribly offended. The bank assured me the next day that the acct. was not closed, and Certegy would have to give an explanation.

Just got home from Walmart. I called Certegy. Customer service told me it's because of security reasons. I had reason #2 on the the little receipt. She told me to go cash it at my bank. I changed my direct deposit and it will take 2 to 3 pay periods to take effect, and of course we all know when you take a payroll to your OWN bank, they will hold it for 3 to 5 days. I needed this money to post ASAP!!! I understand the security reasons but come on... I've came across other websites and everyone else has said leave Walmart alone when trying to cash a check. Find somewhere else...

Today I tried to purchase a monitor at Target for a gentleman that I am a court-appointed volunteer guardian of. Because I have my own checking account affiliated with my driver's license, and need to show this same driver license when using the guardianship account, the check I wrote out for the monitor was declined. Of course I had no idea why and the cashier couldn't help. The people standing behind me in line were looking at me like I was some piece of white trash. I immediately went home and searched the Certegy website, which is the company that provides Target with the information to decline a check, and was told that the pattern of past check writing from my driver's license didn't match with the check written today. Of course it didn't. I'm a guardian and will need to write out checks for the person who needs personal items purchased for him from his account, too. Needless to say, I will no longer be shopping at Target, for me or my ward. I don't get paid for being a guardian and need to do the shopping for my ward on my own time. I don't deserve that type of humiliation again.

I making a purchase at a Big Lots store. I have been trading there since it opened a number of years ago. Much to my surprise my check was refused. Tried again another day, same situation. I have lived and worked in California 48 years have never written a bad check. I called Certegy to find out why. Their response was a check writing pattern - not quite sure what that is. The on the other end of the line responded that I should use another form of payment. What is their criteria for making these decisions? I've paying bills, buying groceries and conducting business with checks before that twerp on the other end of the line was born. And I'm not about to change at the whim of some obscure computer geek.

I receive small annuity checks every two weeks. I have always cashed these checks at Lucky Stores. Until last month I went to cash and it was declined. (Lucky) could not tell me why. They just said it was a bad check and I would have to contact them, which I did (nothing wrong with check). So I went to Wal-Mart declined again. This is when I found out it was Certegy that has all this power. Contacted Certegy, they basically said they noted a check cashing pattern for me and I am now banned from cashing checks anywhere that uses Certegy.

I tried to give a check at Dollar General. My debit card is broken. I am waiting on a new one. Anyways, my check was declined. The idiot cashier very loudly announces "your check is declined". I was like, what?? So she repeats herself 3 times, then she screams it to another employee across the store who says "yeah, we can't take it". They give me a little print out piece of paper that says for me to call this number and they will tell me why it was denied. When I call the number it rings 1 time then the line goes blank. NO ONE ever speaks, there is no menu, nothing just blank but does not disconnect phone call. IDIOTS.

Gone to a Dollar General store to get some household items just like any day. I write checks for bookkeeping reason. I go to this store close to home, go at least 4 times a week. Never have problems writing checks until today. The cashier said, "Your check is no good," and was declined in front of several customers. Didn't give any reason . What the heck... Called Certegy when I found online who Dollar General store check company was. Guess what, called Certegy, ask why, just random decline by a computer. What... If I get their VIP Service, give them all my personal information and maybe the Computer won't decline my ck again. What... Who are these People...

Today I spent over an hour trying numerous times to use the mobile app to deposit checks to my Bluebird account, and it always declines the same. I got an email from Certegy that told me all sorts of phony baloney stuff, and told me if I was declined I could order a personal report and obtain personal VIP status with their company. I'm like **? I'm doing business with Amex/Bluebird not these jokers. I contacted Certegy and ended up with a supervisor who told me that they only handled commercial checks like paychecks and business checks, since the check I tried to deposit was personal he could not answer my questions and referred me to Amex/Bluebird. So I called Amex/Bluebird.

I went to my New Berlin, WI Wal-mart and attempted to cash my payroll check. The check was perfectly good, and there was no question as to its legitimacy. I was informed by the clerk that Certegy had instructed her to decline to cash my check. As a consequence, I was left without the cash I needed to pay for a prescription that I needed from their pharmacy. I was all out of this medicine, which I needed to treat a potentially life-threatening condition. I called Certegy's toll-free number, and was informed by their automated system that my check was declined not because of negative information, but because the pattern of my check-cashing habits somehow looked suspect to their computer system! WTF?

Aloha From Hawaii! Thank you all for posting your experiences. It is people like all of you that force corporations to maintain some level of legitimacy. Could you imagine how much worse off all of us would be without you speaking up? How much more they would be abusing us? Keep up the good work OF reporting! Get those dirty little secrets out in the open! And for these clowns, WRITE YOUR CONGRESSIONAL REP and report what this company is doing! DEMAND banks and companies like these be investigated.

I tried to write check at Dollar General. They said it was denied by Certegy. I was given the little slip of paper. I contacted the website. It said I HAD NO RECORD OF BOUNCED CHECKS ETC., BUT THEY DENIED IT ANY DAMN WAY!! After reviewing all the complaints about this company, I SAY WE ALL HAVE A VERY GOOD CHANCE OF FILING A CLASS ACTION LAWSUIT AND WINNING!! They’re damaging our credit and reputation. Who else do they give your information to?? What BANKS are involved??? Mine is Bank of America. I have read things about them and Certegy. Don't you think that any transaction you do with your bank should be confidential??? Guess what?? All your MORTGAGE INFO IS PUBLIC KNOWLEDGE - including what your down payment is! The banks sell it!!

I work for a casino that uses Certegy as its vendor and for all of you having problems with them, I will fill you in as much as I am legally able to... MANY, MANY, MANY vendors use Certegy as their check verification system. (As some have already said, we cannot disclose what all businesses do use them...) They have a cap on the total dollar amount they will cash from any given company (as payroll checks). It doesn't matter if it is one person cashing or multiple persons, one location or many locations. They will only approve x amount per company. (Technically, I guess I should specify it would be per business account, not per company itself.) If you are trying a personal check and get a code 2 - believe me, it IS for your protection. If you are not able to get through to them, ask the person you are dealing with or a manager to make a call for you and they MAY be able to clear the situation for you.

We wrote a check to pay for merchandise we wanted at Big 5 Sporting Goods in Elko, NV. Certegy denied the check for some unknown reason. We purchased the items with a visa and proceeded to find out what we could about Certegy. I called the automated response for Certegy while still at the location, which was no help at all. When we got home, I looked up telephone numbers online and called a person who works for Certegy. I was asked for personal financial information (checking account number and routing) and for my driver’s license number. I refused to give this information to Certegy, but did give them the check number, location of purchase, and the amount the purchase was for. I was informed that without giving them my checking account number and routing, there was nothing they could do for me and thanks for calling.

I recently received a MoneyGram money order from my daughter for $300 which was purchased in Greenville, SC. My daughter purchased the MO rendering $300 cash + fees. Cash is the normal for money orders issued by banks, currency exchanges, post offices, etc. What a total embarrassment; after loading my shopping cart with several items, I went to the customer service counter to cash my money order. The customer service representative used the phone (to verify that it wasn't stolen, I thought) when she returned, and I was advised that she would not be able to cash the money order. What!? Money orders are the same as cash or a cashier’s check. She gave me two copies of a receipt with information and phone number to a company call Certegy. I always shop at this Walmart in Schererville, IN. I never pay with a personal check, always use debit card or cash only because I have had some problems in the past with identity theft.

I tried to cash a MoneyGram money issued at Walmart in Los Angeles (90008) at the Walmart in La Quinta (92253), and was denied by Certegy. With a valid ID, what gives a company in Tampa, FL (Certegy) the right to deny a PAID-IN-CASH MoneyGram money order issued by Walmart? In an attempt to contact Certegy, I waited so long at the Walmart trying to resolve the issue that my cellphone died out. I made an attempt to contact them when I got home and waited for 20 minutes, still not getting an answer. It seems that the manager of Walmart would have the authority to override this decision especially since the money order was issued by Walmart. The manager didn't even attempt to call the 800 number on the MoneyGram money order to verify the validity.

I was going to purchase $102.35 worth of groceries and my check was denied. I was embarrassed and given a receipt with the # for Certegy. I went to both my banks like they told me to because they said my accounts had been frozen. I found out at the banks that they don't freeze accounts. I called from one of the banks to Certegy and was told to hold several times. I had taken my granddaughter to work; it was 1:00 p.m. then went to Kroger. I spent 4 1/2 hours on the phone and I had talked to 3 different people that didn't seem to know what to do and then an Indian guy who after 23 min. hung up on me.

I realized I did not have my debit card with me when I went to PetSmart in east Brunswick, NJ to pick up my dog from the salon. I carry my checks with me, luckily I thought, because I live about 15 minutes away. My check was declined by Certegy check services. I thought it was a mistake. The young lady tried to put it through again and it was declined again. I was so embarrassed! My son was in the parking lot, so he came in and used his debit card. The automated answer I got for the decline was because I didn't usually write checks, in essence. It had nothing to do with my credit history, bank account balance or check cashing history! It simply wasn't something I normally did. Are you kidding me?

I use the same Wal-Mart Money Center every two weeks at the same time and with the same woman working behind the counter to deposit my check on my money card. Suddenly today, I was not allowed to deposit my check. After being told to call Certegy via a USELESS automated phone system (obviously designed to deter people from figuring out how to talk to a real person), I was told that for reasons only the "computer system" knows that I would not be allowed to deposit my check at that store or any place else using Certegy. I talked to three people; the first hung up on me and all three just kept repeating that they could not tell me why I wasn't allowed to deposit my check for "proprietary reasons".

I am a disable veteran. I took my government check to Wal-mart to cash and buy food. The drive is over 1/2 hour with gas over $4.29 a gallon. Wal-mart refused to cash the check telling me to call Certegy. I asked why. Maybe I should have called Certegy when I was drafted to run to Canada. Certegy is not a secure site. No one wishes to talk to a machine and to give important information. You must know I have shopped at Wal-mart from the time they have opened (maybe this was my mistake to shop there today). Never again will I be embarrassed nor be considered a risk. I have been betrayed for all I have done to have freedom to shop at Wal-trash.

I wrote a check at Finish Line for a pair of shoes already on my granddaughter's feet, and was told they could not accept my check. I was appalled and humiliated. My husband and I are seniors with plenty in our account. I phoned Certegy, and was told it was denied for security reasons but would now be put on a "temporary" VIP list. I think this is some sort of scam to try to sell me something!!!

I have tried numerous times to use the mobile app to deposit checks to my Bluebird account, and it always declines the same. I have tried different phones and iPads to process check to no avail - it's always declined. I have tried my wife's payroll check but also got declined. I had my company issue to me a computer-printed and computer-signed check (because a Walmart personnel told me the check can't be had written), and still the check was declined at Walmart and through the mobile app because of Certegy.

I picked up my paycheck late and was unable to get to my bank before it closed so I took it to Shop and Save and Walmart where it was denied at both places. When I called their number and put in my information, it told me there was nothing wrong with my credit and it was denied for security reasons - whatever that means. I then talked to a customer service rep who told me her computer was updating (she may as well have not answered if that was the case). I called back the next day to ask what businesses deal with Certegy so I can avoid them and the same rep (I believe) told me they were not allowed to give out the information. That figures! Cowards! I'll just remember to get to my bank on time next time.

I went to Walmart to cash my payroll check. It was declined reason #2. This is a reason that is solely based on a computer algorithm. I called Certegy and was hung up on by them 3 times. I have cashed checks bigger than the one presented today. The only way to get companies to stop using Certegy is to complain to the merchants' HQs. I had the same problem a month ago and complained to Walmart corporate customer service. Walmart's customer service called me a couple days later to tell me that I was now "VIP gold member" with Certegy. That means nothing as you're still subject to the same check writing guidelines.

I have been cashing my payroll checks with Walmart for three years and almost always put the check on my Walmart Debit card. This week I tried to cash my tax refund check and I was unable because of a reason 2 by Certegy. I then attempted to cash my payroll check and got the same response. I love using Walmart's check cashing system and up till now, I have not had any issues, but I need my check and do not want to deal with the hassle of a bank.

I have been cashing my payroll checks at Wal-Mart for several months. I went in this weekend to cash my check and it was declined (reason: code 2). When I called the phone number that was provided for Certegy, I was told it wasn't because of a bad check so they assumed it could be some type of fraud prevention. What kind of crap is this?

AT&T would not take a check because of Certegy. I have had an account with them for 5 yrs. My check was refused. Reason: FOR MY PROTECTION. Really, I don't need Certegy protection on anything. Paid with same check by phone. WHAT A SCAM.

I went to HEB, paid with a check, as I have done for 30 years. My check was declined by Certegy. I called. Certegy said it wasn't because of a problem with my account but a computer profile that has tagged my account as potentially fraudulent. 7:00am the next morning, I called Certegy. I got through to a clerk who told me the same thing. She said there is nothing she or I could do to remedy the problem. I had already signed up for Certegy's VIP program which did nothing. According to the paper HEB gave me from Certegy, these denials may be affecting my credit report with a negative rating. I filed a complaint with HEB headquarters at 1-800-432-3113. HEB is the only one that can fix this problem. Call them.

I went to a local casino with some friends for lunch and some "girls' fun gambling." I found I was short of money prior to the lunch/gambling, so I asked at the cage if I could cash a check for $150. The gal at the cage said, "Let's do it this way" and had me give her my DL and a blank check. She said that way, I could just show my DL if I needed cash again at the casino (not hardly, but I do go there sometimes). Darn, I knew I shouldn't have. She put me into the system and had me sign a form to get my money. The form turned out to be a receipt from Certegy authorizing them to be able to credit/debit that particular account there and at any other Certegy client (whoever they may be)!

I have a new account after not having a checking account for years, and my first two checks were written at the local HEB grocery store (which pretty much has a near monopoly in my area) and were accepted with no incident. However, I have attempted to present 3 other checks at a different store, and they were all declined. When I checked with the online inquiry system at Certegy, I received a response that was so darn confusing - stating that my check was not declined due to any negative check writing, but that it matched a pattern of sorts that suggested something was wrong. I have several thousand dollars in my account, so beats me why they would decline such a thing! Since this is a new account, I have not yet received my debit card so I am at the mercy of writing checks!

Really? Who are these people? I need to talk to someone, but of course, all automated. I wrote a check today for PetSmart and with a line of customers behind me, said my check was not honored! Well I called my bank knowing my balance was over $1,000. They had no idea. So when I called Certegy, it was automated and did not really explain what I could do. I have no idea what this is or what I am supposed to do about this situation. Meanwhile, I am now concerned about my future transactions. Sure hope there is some way to get to the bottom of this. Maybe those of us with complaints should consider getting together to get to the bottom of this and do something about this.

Today, I had to write a check from an account knowing there was no question about whether there was enough in the account to cover the purchase. It was an urgent purchase as I could not work without the item I was purchasing and I was trying to get back as quickly as I could. Imagine my surprise (and embarrassment) when the check was declined. But the surprise didn't end there - it had nothing to do with the amount of money in my account!

I had a company called Omaha Choice solicit my business with meat products and promised quality meat, guaranteed satisfaction and return if not satisfied. The product was not good enough quality and I called and no one would answer the phone. They also said they would not deposit my check until the following Saturday. On the following Wednesday after no response from them, I stopped payment on said check. I have gotten nowhere with Certegy and want to know how they can put me in a bad check system when there is no bad check! Do they not have to have proof?

I attempted to write a personal check at HEB (Texas grocery store) today for $22.90. I had written a check at that location two weeks ago and one at another location three days ago with no problem. Having shopped there for over 20 years with no prior issues and plenty of money in my account, I was surprised today to find that my check was declined. I was given an 800 number for Certegy, as the store had no information on why the check was declined. I called and got a recorded message saying I had a returned check on file, and that no other information was available. I tried to reach a live person but was hung up on by the system. I drove back to HEB and requested they give me some other option to reach this company. I was given another 800 number. I got the same recording and still with no way of reaching a live person.

I attempted to cash a check (not personal - payroll), was declined. No reason was given. Previously (1 year ago), my wife attempted to cash a payroll check. I was told it was declined because the amt was too large. It was approximately $1500.00. I spoke with a Filipino (which really pisses me off - Is this an American company? If so they are 'taking away' jobs from Americans), who gave no explanation other than I needed to have the company call them. That's **. This payroll check was written by a huge company that everyone would be familiar with. This company, Certegy, needs to be put out of business. They are making money off the backs of Americans, are based in America and don't even employ Americans. Just another financial institution, which has come up with a way to scam us.

I was at Target on 2/18/2013 and my check was declined by Certegy. The Target cashier and floor manager could give no explanation and I was simply given a receipt saying my check had been declined by Certegy for item #, my driver's license number. I was so embarrassed and humiliated! Both of my children were with me and there were sufficient funds in my bank. The manager asked me if I had another way to pay which I did not. I had to leave everything there. I called the 800 number for Certegy on the receipt and got no help at all.

On 2/16/2013, I went to Wal-Mart to cash my state income tax refund check. I have cashed them there for the past few years with no trouble. I hadn't even opened the envelope until I was at the counter and the cashier could see me open it. She actually helped tear off part of the paper that was stuck on the check. I was declined and upon asking the cashier why, she handed me a paper with a Certegy phone number on it and told me to call it. I asked her why would I be declined cashing a state issued check that clearly says tax refund in bold print at the top. She couldn't answer why and told me to call the number. Calling the number brought me to an automated system that said it was nothing in my records and they could not give me a reason as to why I was declined.

I recently went to a Verizon store. The money was in my account. I had proof of this. For 2 phones with minor accessories, it came to $600. My check was denied; yet, two days ago, two checks from the same account cleared. Something is goofy about this place, Certegy. What kind of dumb ** name is that anyway!? I have written checks larger than $600 and never have had a problem. They need to be investigated for sure!

I went to write a check for auto repairs for $637 to a big auto company, which I have had no issue in the past. Certegy denied the check. When I called, all they could say was my account showed no negative history, but denial was for my protection. After over an hour on the phone with them, not only could I not get more of a reason but they claim it's a computer model that decides and have no way to override it. Talk about embarrassing!

I was at a Target Store on 1/5/13 and purchased $406.29 worth of merchandise. Certegy declined my check, not because of negative items associated with my account, but because they were protecting Target's and (supposedly) my interests. I had to use a credit card that I had paid down as I didn't have the cash on me. It was irritating and embarrassing.

On the 31st of December 2012, I went to pay for car repair ($1,500.00) and my check was not approved. They said my ID does not match the states information. I said funny I have not had problems cashing checks with any other companies. I suggested they update their system. It was embarrassing to say the least. The 1 star is too high for them. It should be a -10.

On Dec. 15, 2012, I wrote a check to the Dollar Store for $44.71 and was denied. They couldn't give me any reason at the store. I had a member of my church behind me in line, and the next morning, in church, she handed me a slip from the Dollar Store to call Certegy. Well if it wasn't embarrassing enough to have someone you know see you get denied but bring a slip to church and tell me the Dollar Store said to call this number, which is Certegy. I called Certegy and the only reason they could give me was that it was for my protection that they denied my check!

Two days ago, Certegy denied my check for $89.97. I called my bank and they stated this has to be an error so I called Certegy. They stated the denial was not for insufficient funds; it was for my protection and best interest. I told them thanks for humiliating me in front of 10 people and refusing to authorize the check although the funds were in the bank. By the way, I never bounced a check in my life. My error, I forgot my debit card at home. This incident was in no way favorable or respectful! This company refuses to release their criteria for flagging. Unfortunately, they have accounts with most major stores and this could likely happen again. I went to the store yesterday and made sure I had my debit card to complete the transaction. Certegy lost a class action suit in the past for not securing public data. A new suit needs to start for criteria refusal and unjustified public humiliation.

I was at Academy in Houston last night, where I frequently shop about 2-4 times a month and my personal check was declined because Certegy decided to make a decision to do so. Certegy's explanation was they cannot provide a specific reason. This has caused me not only humiliation in front of my girlfriend (I was buying her a new pair of running shoes), but also 2 Academy employees and 2 customers behind me in line. I have never bounced a check in my life and was actually writing check ** on the account that I have had for close to 30 years. I verified with my bank this morning that I had $9,000 in my checking account to cover the $108.24 check. When I called Certegy, all they could do was explain it was for my protection and I could not stop them from doing this to me in the future. Oh yes, many years ago, I was Academy's commercial banker, and their founder, Arthur Gochman, was a close personal friend of mine. He would roll over in his grave if he saw how these idiots are running off his customers.

I was sent a MoneyGram and Certegy refused to cash it through Walmart and would give me no explanation or reason for declining the MoneyGram. I was directed to Fred ** and WinCo with the same results. Certegy refused to honor the MoneyGram even though it has a number to call to verify the check. MoneyGrams are paid for at the sender's location the same as a cashier's check. I tried calling the number for Certegy and only got a robot machine that wouldn't tell me anything useful. A runaround dead end. I will never accept a MoneyGram from anyone again especially if it is drawn from Citizens Alliance Bank - the ones who are supposed to be backing these MoneyGrams.

I have shopped at Northern Tool, Staples and Cabela’s recently; and I really like these stores. In no way do I fault the retailers. I have been denied check authorization on all 3 stores and been asked to present another form of payment. I had ample funds for the purchases and bank in the same city that I wrote the checks to. Certegy refused my check and gave no reason for the denial. This also happened to my mother who has over 800 credit score.

While trying to cash a check at Wal-Mart on October 23, 2012, they refused to cash it with no explanation but to call Certegy. I called and was told my information did not match their database. I asked what information exactly and was told that my birthdate was incorrect. I explained that my birthdate was correct on my driver's license and that their database was incorrect and they needed to get their information correct before denying me check-cashing privileges. Certegy then told me to get the DMV to fax me my record so I could send to Certegy so they could correct their records. Excuse me, but it is not up to me to correct their database. They should check where they got their information and make sure it is correct before denying people check cashing privileges.

I had a check denied 3 days ago. The business gave me a phone number to call to Certegy, which I have never heard of. They reported that I had a check returned from Macy’s. They paid it, so they sent my account to collections. The first check was returned due to an electronic problem at Macy’s. Now, I have never had a check denied in 40 years. So, I called the collection agency and they said they would process the payment from my account after midnight, but it may take up to 2 weeks to clear through Certegy. In the meantime, I cannot write checks at anyone who uses Certegy, a list of which they will not give. I talked with so many Certegy people, none of whom can fix it.

I have a Money Network account, where if you need to withdraw over $400, you must use a Money Network Check. For Money Network Checks, you must fill in an issuer number and a transaction number. I have always gone to Walmart to cash my checks, as it is free, and they know how to verify the check. I have done this consistently for the last year. Today, I had to pay rent by 9:00 a.m. I used my Money Network Check, went to the Walmart I almost always use, and Certegy refused to cash my check.