Certegy Reviews

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.

I tried to cash a check from my former employer and a month later tried cashing their money order, but both times they (Certegy) said they could not cash it. When I called the number to find out the reason, they simply said that the decision was based on reasons they could not disclose and that it had nothing to do with me. That really makes no sense. It is the stupid system that clearly is flawed. I will find out more about this company. Trust me, I am far from letting it go.

At Academy Sports Albertsons supermarket today, each check I wrote was declined. I have been writing checks at each of these places for years. I talked to 6 different agents for Certegy today, and each time I asked to talk to their supervisor; the last time, I was cut off. There was money in the bank and the Certegy agents said that there were no marks against my account. However, the model used by Certegy to protect the merchants had caused my checks to be declined.

I've written checks at PetSmart for years. Never have I bounced a check, never. My check was refused at PetSmart. The clerk said to check my bank to which I told her I didn't need to because I knew I had enough funds. She gave me a slip with transaction details. The check processing company, Certegy, denied my check. I called them and after waiting for 32 minutes, finally got an operator. When I asked why my check was denied, he said that even though my account had enough funds, it didn't meet the criteria Certegy has set up to allow the check. I asked what that meant. He said that in order to prevent identity theft, they set up certain red flags that will prevent a check from being accepted - meaning they can deny my check, because say I only write two checks a month or because I live somewhere Certegy has red flagged. Unbelievable! I called Petsmart and filed a complaint. I urge anyone else who's had this problem to complain to the company they tried to write the check to.

On October 8, 2012, all of the banks were closed for a holiday. I went to cash my check at Wal-Mart, which I had never done before. The check is from the State of PA (from a university). It was cleared as being real and legit, but Wal-Mart denied it. The sales associate did not know why and just gave me a number to call Certegy. The person who I called said that they did not want to give out that much money. This Wal-Mart’s cap out is $5,000. My check was only for $2,500. I asked how they false could advertise like that. Everything was cleared, my SSN and the check number. I called Wal-Mart’s customer service and the guy on the phone totally agreed with me. Certegy was not helpful and I could barely understand the lady on the phone. Too bad Wal-Mart is missing out on my $700 purchase because of them.

My family member, in my time of need, wanted to help me out. Because we live far away from each other, she sent me a Wal-Mart Money Gram money order for a rather large amount which I need to help me pay my co-pays for my hospital. I have MS and for some reason I got the money order and the bad news on the same day. I went to my doctor and I am going to have to have chemo, a new treatment for my advanced stage of MS. When I went to Wal-Mart to cash my $900 money order from a family member who plunked down $900 cash to help me out, they would not do it because of Certegy. Stress really exacerbates my disease and I had cussing a hissy fit in front of all the people who were just doing their job. I got on the phone with the Certegy people and no help. I asked where my family member’s money is and they told me I could go to my bank or a check cashing facility. My bank would put a hold on it for 7-10 days or check cashing would charge me a percentage which was almost $100.

I went into Walmart to cash my payroll check, which I do every Monday night, and I was denied for reason code 2. I called Certegy and couldn't get a straight answer as to why they denied my check. Walmart said they would 1st have to verify it, which they did. The funds were available; however, they couldn't cash it due to it not bring approved by this company. I've never written a bad check in my life, never cashed a fraudulent check, nor would I ever. But my check was denied cashing because this company decided for whatever reason (I can't get a straight nor clear answer from them) and I had the embarrassment of this for no apparent reason. Total unethical business practices.

I took my part time check to the Walmart Money Center for cashing. I intended to do some shopping. I told the teller that I had never cashed a check here before. I gave her my license and the check. She then asked me to put my social security number in a machine twice. The teller told me that she could not cash my check and she gave me a note with the Certegy number on it. When I called the 866 number, a machine message told me that my check was denied not because of anything negative about me, that it was denied to protect me as well as the company. I then hit zero so I could talk to a live person. This person who said that his name was Vin, repeated the same recorded message.

I rarely write checks. However, I did not have my debit card on me and needed to get gas so I went to the nearest Publix and wrote a $76-check. It was declined by Certegy. I was furious. I haven't written any bad checks, and when I called the number they gave me, I got a recording that told me I was turned down for my own protection and the merchant's protection. I was told that I did not meet a certain criteria that Certegy has in place for check cashing. She explained that because I did not write many checks, it was red flagged. I called and spoke to two people and they explained that I could apply for their check cashing card, Certegy Prime or something like that and that would ensure that I could cash checks in the future. It is a darn shame that a company that has this many complaints against them is being allowed to control the future of so many upstanding people. This is very very wrong!

My check was declined at Target store because of this Certegy company making a decision on the basis of not writing enough checks. There was plenty of money in my checking account. And before going to Target, I went to Costco and had no problem writing two checks. Someone needs to look into Certegy's practices.

My wife bought $40k in Moneygrams at Wal-Mart. Now, Wal-Mart will not give us our money back because of a denial by Certegy. How could there be a problem since we paid $40,000 cash to Wal-Mart? All we got was a printed slip giving reason 2 as a reason for denial. When we called the number that was provided, all we got was a recording saying that it is an attempt to prevent fraud without any further explanation. My feeling is that the only one guilty of fraud is Certegy.

I have not written a check in a store in years, but the other day, I did not have my debit card with me and needed to pick up some things from Dollar General Market. My check was declined and I had to use a credit card to complete the transaction. It infuriates me to think how embarrassed I would have been if I did not have another means of payment. Before I even left the store, I called the bank to determine how this could happen. I was assured that I had more than enough to cover the $82.83 purchase. I called the number on the slip the DGM clerk gave me to speak with a rep from Certegy.

My check was declined at VIP after having tires put on my car. I was given a card with number 2 checked off. I have never bounced a check and have a credit score in the 700's. It took me 30 minutes to get them to put my old tires back on and I lost 45 minutes of work. I was entirely embarrassed. The website gives no information when you type in your check and date of transaction. On calling the company, I was on hold for over 15 minutes. This company needs to be reviewed!

My payroll check was declined because Certegy says that the checking account shows a pattern of fraud and they would not deposit it. The consequences were that I had to lose work to drive an extra 20 miles to the bank it was drawn on and go back the distance to Wal-Mart to deposit the money. Upon reading other customer complaints, I think some legal action should be taken about this company and the GE Bank that handles these prepaid cards for Wal-Mart should be informed of Certegy's mishandling of many, many transactions for no apparent reason.

I was at Target where I frequently shop about 2-4 times a week 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 Target but loss of an hour and a half of pay from my employer for being late back from lunch. I also needed to go out of my way and get cash from my bank to go back to Target to purchase these items. I have never bounced a check and verified with my bank at the time that I have 9 times the amount in my checking account to cover the check. More time lost. When I called them, all they could do is explain it's for my protection and I cannot stop them from doing this to me in the future.

Out of the blue, after I changed banks from Citibank to Chase, my check was rejected at Best Buy. I called up Certegy and after persisting found out that although the person on the phone admitted my record from Citibank was very good, they couldn't approve the check. I was angry and showed it over the phone. I did a follow up call to Best Buy and the manager started to claim it was Certegy, not Best Buy and that Best Buy only hires them to watch for potentially bad transactions before they happen. I told him to take more responsibility for who he hires. I've never stepped into that store again. I did a follow up call to Certegy ready to request they transfer the data from Citibank so my long term history would be there. Someone had already transferred the data over. They migrated the data. What a mess.

I was in Target tonight purchasing food. I forgot my bank card at home and decided to write a check so I would not have to come back tomorrow. My check for $105.20 was declined by some company named Certegy. I was given a receipt with no explanation as to why my check was declined. This has never happened to me in the 25 years. I had to leave a cart full of groceries in front of my daughter who kept asking why. I want a written explanation as to why this has happened and I want assurance that this will not happen again. The website was not helpful.

I went to Walmart to cash my payroll check and was told I was being denied due to "Reason 2" by Certegy. When I called, Kelly, with a distinct Indian accent, told me that it had nothing to do with me or my credit report, but that my check was not allowed due to their procedures. It is a printed payroll check from a well known company. How can a company that deals in check cashing deny every check that comes through them? I don't shop at Walmart for many other reasons, but will not even enter their parking lot anymore.

I just got home from the vet where they diagnosed my beloved dog of 13 years with painful bone cancer. I was in shock and realized I would have to euthanize her. They brought her out to the front desk whimpering and barely able to walk from the sedation. I just wanted to comfort her, cry, and take her home. But the whole experience was made more traumatic and emotionally distressful because of Certegy. The vet uses Certegy so when I wrote the check for the final bill, they said it wasn't accepted. I have enough money in my account to cover the check. But they wanted me to call my bank. They stood there watching me as I called my bank.

Cashing my check - On 07/15/12, I went into Walmart along with 6 co-workers to cash our checks. They cashed everyone's check but mine. They offered no excuse, but could only say it was for my protection. I call it **. I won't shop at Walmart again until they get rid of Certegy. Target and Kmart will get my business. This really put me in a bind.

After my ATM card was lost, I was dependent on using my check book, which I typically only use about once a month. On a Sunday, I traveled 30 miles to Home Goods to shop. After spending an extended amount of time in the store, I checked out with approximately $250.00 worth of merchandise. The cashier told me that my check was declined and handed me a small paper that included Certegy's 800 # that I could call. I reached an automated message that asked me for the check # and the amount. I was then told that the check was not declined because of any bank account issue, it was declined because of usage pattern. The 'voice' apologized for 'any inconvenience' and reassured me that this would not happen in the future.

I am completely and utterly pissed off that this company has been given the authority whether to accept or decline my check. I have written checks over 25 years - and to have a check in the amount of $19.27 declined! No information was found when I first inquired via the website. That then lead to a phone call to lord only knows what third-world country, only to be given no valid explanation. It is completely unconstitutional and against my rights. After reading many complaints from various websites from consumers with the same frustration, it only makes me scratch my head and ask myself, “How long are we going to let this happen?” I sure hope Certegy enjoys their $19.27 because when I am done with them, it will cost them a lot more than that. I will not just sit back and let this pass by. I am going to start a petition for a class action lawsuit. So if you are interested, stay tuned!

I had my bank send a check to Macy's to pay a bill. Macy's refused the check, thanks to Certegy, and sent the check back to me with a "receipt" stating the "check could not be authorized, blah, blah." I called Certegy, talked to a "Kelly" and was told she could not discuss the situation with me because the check was a bank check, not mine! She told me to use a debit card or send my personal check to pay the bill! I do not have a debit card and very rarely use checks! Incidentally, the payment was an annual payment for fur storage. Now, I have a check made payable to Macy's that I cannot cash or deposit. I haven't talked to my bank yet, but I suspect there might be a charge to reverse the bank check. I have a call in to the executive office of Macy's. Btw, Certegy is for gambling institutions! Anyone else think this is a real scam?!

While renovating my home, I had the opportunity to experience what a worthless and misguided entity Certegy is. I never knew when I walked into Lowe's whether or not my check would be accepted. Certegy uses demographics and risk analysis to determine whether or not the check will be accepted, and nobody in the store can override what Certegy says. I have had them decline a check, and then an hour later, approve one drawn on the same account for twice as much. My policy in the future, and the message I will be sending to Lowe's is, "I won't do business with people that do business with companies such as Certegy." I would encourage everyone who has worked their entire life to build good credit to boycott all businesses that utilize the service of Certegy Check Services.

I have had checking account for 48 years, no problems. I moved and started new account with United Community Bank, and checks are constantly being denied. Certegy gives no reason, will do nothing to correct the problem they created, except to get their gold card. I am a retired police chief with no bad credit. The bank CSR could not get anywhere with Certegy and she spoke with five different individuals.

I have been cashing my payroll checks at Walmart for years. It was always easier to just cash them there rather than wait in line forever at the bank. I work overnight so when I get off of work in the mornings, banks aren't open and I live 30 minutes from a bank. I got my payroll check Friday morning when I got off of work but decided to wait before cashing it because I needed to get home immediately after getting off of work that morning. When I got off of work Saturday morning, I stopped at Walmart to cash it. After walking in and grabbing a cart, I ripped open my check and signed it while walking through the store. I had a few things I needed to pick up while I was there since I avoid shopping at Walmart as much as possible because of their horrible customer service. I even worked at Walmart for a little while before I moved.

On May 9, 2012, my wife and daughter made an 80-mile round trip to Big Lots on Benner Pike, State College, PA to purchase a tent for $126.14. My wife wrote a check on our Federal Credit Union account with a $5,000 balance. She presented two forms of photo ID, her PA driver license and a military dependent’s identification card. The check, unbelievably, was declined by an apparently incompetent company called Certegy who said they had "insufficient information" to approve the check. What does that mean? Our FICO scores are around 780, the FCU account is more than 40 years active and actually has a telephone number, and we have never ever bounced a check or run late with any payment of any kind. We're in the phone book - we're on Google!

Check cashing "Precautionary Measure" - Certegy will not allow my check to be cashed. When contacting them, there is a language barrier, and they indicate no reason as to why they are putting a hold on my check. They indicated that it is not me personally, rather the insurance company needing to provide them information. When I contact a supervisor, they will not wait on hold, nor will they contact the issuer. They simply won’t help me in any way.

This is the second encounter with Certegy that my family has had in the past two years. The first one happened when we moved from East Texas to Carrollton, TX. We opened new bank accounts when we moved. I took my wife's car in for a check-up at the Volvo dealership and the bill was $400. I wrote a check and was told that it was not acceptable and even a number to call which was Certegy. I was told that the account was too new for them to accept my check. Now, there were ten times the amount in the account but that made no difference. I won't go into details on that fiasco.

I filled up at Kum and Go in Springfield, MO. I went inside and wrote a check which was declined. No reason was given. I called Certegy and was placed on hold for 15 minutes at which time I hung up. I know they don't really care, but I will go elsewhere when possible.

I purchased gas and a pack of cigarettes at Kum & Go in Riverside, Iowa. My check was declined. I called and the person told me it was not due to my bank account or social security number, but because a check for this amount, $47.00, caused it to be declined for fraudulent or identity theft! I was 6 miles from my home and have had none of these things happen to me. They could give me no more information. I asked who protected me from this kind of embarrassment and harassment!

We went to Wal-Mart to cash our Federal Income Tax Return check. After the clerk wrote down all kinds of numbers from me and my wife--DL number, SS number, passport number--on the front check, then they ran through the Certegy system and confirmed that they declined to cash this check with Code 2. Then I was asked to call Certegy Check Service where only the machine told me to enter the check amount of $4800 then quickly declined after mentioned, because it fell under their safety criteria. Then, it hung up. Last year, even with larger amounts at the same store, everything was ok. It was very confusing and time-consuming!

I wrote a check at Bellagio Las Vegas for $100. My mistake: I grabbed the wrong check book, which is an account that I rarely use unless I'm traveling for business. As a result, the money wasn't in my account to cover the check. I accept and own that mistake. The check for $100 was put through a second time and cleared my bank account. However, a week later, Certegy (the check processing company Bellagio uses) debited a $25 fee from my checking account, which in turn made the account overdraw. The bank charged me a fee of $35 on top of it. I want my total of $55 back from Certegy. Certegy should notify customers when they will be taking out a fee. Or they should have emailed me, called me, or sent a letter that I owe them a $25 fee for the original returned check. They sucker punched me and just took out the $25 fee, which caused my account to be overdrawn and the bank charged me $35 as a result. Bad business practice. They sideswiped me. I want the $55 back.

My wife and I went to Lowe's to purchase new appliances. When trying to check out, I wrote a check using our home improvement checking account for an amount just over $5,400. I was informed it was declined based on a computer risk based system. I called the toll free Certegy number and spent over 40 minutes on a call with the idiots that had no authority to do anything. I was told to wait another 10-15 minutes and try again, since he had elevated my account to gold status. This is a load of crap! We tried again after 20 minutes and it was declined a second time. At this point, I cancelled my order and Lowe's has forever lost my business for using such a despicable company.

O/A 6th of April 15:30 hours, I presented a check for payment to a vendor. That vendor processed the check through Certegy. Certegy declined the check. I contacted Certegy's assistance line and received a very well spoken, computer generated voice script that advised the check was declined as the proprietary software suggested fraud. Immediate conversations with my bank reflected no negative information against the account or the check in question. I am awaiting any impacts on my credit history or report at this time. I do want to talk with a lawyer on this issue as this appears to violate the fair credit act.

Amica sent me a check to refund me for overcharging me on my insurance. I went to cash the check. Certegy declined it with no explanation on how to get the check cashed. I listened to their automated phone system that told me, "We aren't going to cash it. Thanks for calling." I am just finishing switching my insurance company. Certegy is screwing with me and I in turn drop their client. I can do this all day.

I had an issue with this company last year and again this year when trying to cash my student loan checks. I was given the same runaround of an automated system. Then I got a rep who barely spoke English and gave me the automated responses of a system that has a number of factors they review and it had nothing to do with my credit or check history but to prevent fraud. I asked to speak with a supervisor and same issue. It seems like any check over $1000 they don't want to cash and Wal-Mart should not advertise they will cash checks up to $7500 when their company they use won't do it.

I have written about six checks to vendors and Certegy has refused acceptance. I have a FICO score of 815.

I recently started a job on the road and received my first payroll check. I tried to cash it at Wal-Mart so I could Moneygram some money home to my family. My check was denied, even though I had cashed a check from my boss for fuel, there earlier that day. So then I went to Kroger, same problem. How is a man, who is making an honest living, supposed to support his family if he can't cash a payroll check and send money home?

On Saturday, March 10th, 2012, I went to our local Walmart and used their Money Center to cash my California state refund check. I had no problem doing so. On Monday, March 12th, 2012, I received my federal return in the mail. That evening, I drove back over to Walmart to cash this check. Their system would not accept it. I thought maybe I had entered my SS number incorrectly and asked her to please re-run it. Same problem. She handed me a small slip of paper and circled "reason 2". I walked out to my car and called the number. Just like everyone else on here, I received the same automated response. When the economy tanked back in 2008, I lost my job. I received unemployment checks until I found work again. In that time, while unemployed, I cashed my unemployment checks there without a problem.

On March 9, I attempted to cash a check the IRS sent me, drawn off the United States Treasury, at the local Wal-Mart in Hatfield, PA. After giving all my information, including my social security number and driver's license, I was told the check could not be cashed. I was given a piece of paper with a Code 2 on it and a number to call.

I tried to cash my state of CA income tax refund check at Wal-Mart, La Habra, CA, but I was told they could not cash it due to some ** of having written bad checks. I haven't had a checking account in over 4 years. But the funny thing is that I was able to cash my federal tax refund check at the same time. Something is funny somewhere. I called the number Wal-Mart told me to call and the rep was no help at all. She suggested I go to a check cashing place that doesn't use Certegy system. I also tried Certegy online to see why they would not cash this check and it came back with no information. This is a scam!

On March 8, 2012, I went to store named Marshall's in Houston, Texas and wrote a check for $242.37 and the check was declined. I asked why and the employee gave me a card and ask me to call Certegy. I called Certegy and was told that it was not because of any negative reasons but a preventive reason. The money is in the bank. I have excellent credit history and credit. What is the problem? I never had a bounced check. I feel this company, Certegy, is a scam.

Is this big brother government? This company has private information on everyone from my understanding. When I called, they knew my banking information, driver's license number and could see my bank account balance and status. This is crap. I never gave access like this to a third party.

I wrote a check today and they would not accept it when I had the funds in my checking account to cover it! They said I had an outstanding check with Yall that I don't know nothing about! I usually get mail from Yall when I bounce a check, but I hadn't gotten anything from Yall in a few years because I don't write any checks until now! I do not want an attorney to contact me either, but if I do have a bounced check, send me an email or call me and leave me a message please so I can get it taken care of please. Thank you!

I went into my local Walmart to cash my federal income tax return. The check was declined due to recommendation from Certegy Inc. I called the number that I was given to contact Certegy. They had no explanation of why my check was declined, only that the decline was computer generated. Certegy refused to reverse this issue and told me I will have to find a merchant that does not use Certegy Inc.

I normally use a big bank debit card, but it was not on me. So I wrote a check for purchases at Target Vallejo, CA on 2/27/2012. It was declined without reason. Never mind, I had a valid California driver's license. When I called Certegy, the robot (no live bodies, they know folks are angry when calling) advised that I did not meet the "preventative measure criteria" for check acceptance! This is for an individual with a 6-figure income and a FICO score of 720. Here's my preventative measure: I'll shop elsewhere. There is nothing in my financial profile past or present that warranted declination and I felt humiliated in front of a line of waiting customers as I do not use credit cards and I had to walk away from the cart.

Sold a motorcycle and the buyer went to Walmart to get $3000 in MoneyGram. Went to Walmart the next day to cash them and Walmart would only cash one. Certegy said they could not cash the MoneyGram. They should be investigated. They are not protecting people from fraud. They are committing fraud!

My daughter and I were shopping at Pac-Sun Monroe Ohio, and tried to purchase $173.51 worth of clothing for her. I wrote a check to Pac-Sun for $173.51, and it was denied. I know that I have over $5,000 in my checking account, as I looked at it this morning to verify. I then tried to use my Discover card, and that was denied as well. As you can well imagine, I am very unhappy at this moment. I just used my Discover card a half hour prior at Saks Fifth Avenue, and the transaction went through just fine. The clerk then handed me a card to contact Certegy. I called and they had me on hold for an hour. When I got home, I went to their website, askcertegy.com, to verify my check and the website stated no records found with this check.

A couple of years ago, while Christmas shopping, Target refused to take my credit card because Certegy said my shopping didn't match my habits. Every card I tried got the same result. So I tried writing a check with same result. I tried my other checking account with the same result. I cancelled my sale and went to Best Buy only to find they use the same incompetent process.

I received a check from the California Child Support Disbursement Center. I took my check to Wal-Mart to cash it like I’d some twice before. This time I was told they were unable to cash my checking, gave me a receipt with a number to Certegy with a code number 1. I called Certegy who offered no assistance and was told call the child support office and have them fix it. Child support office has no idea what they are talking about and that the check is fine. Now, I've been unable to cash a $40 check because of Certegy. I've not written any checks in well over 3 years and I only have a savings account. There is no reason for them to deny me all of a sudden from cashing a state issued check!

I took our tax refund check into local Walmart only to be told they could not be cashed . We were given a receipt saying reason was code 2 and call Certegy. Cashier said that had it had been doing this to refund checks like ours all day. I called and got automated operator and was told nothing is wrong with the check. It just did not match their parameters. It is a holiday this Monday so I don't have access to bank until Tuesday. Why should they be able to say a federal check is not able to be cashed?

Cashier in the grocery store declined my check based on Certegy saying I had a returned check. This is not true. When I contacted Certegy to question the reason, clerk asked for driver's license number, bank routing and check number, amount of check, date of transaction, and other personal information. I don't share this information over a cell phone connection, and there apparently is no way to handle this in a secure online format. Guess I just won't be doing business there anymore. Too bad.

My husband and I went to The Shoe Dept in Thomasville, GA. A store that we have shopped in for years for the whole family's shoes and the strip on his debit card would not read. The sales associate stated she could call in for verification, but it was a hassle for her to do so. No problem, we could just write a check. When she ran the check, Certegy denied it. Of course, she couldn't give any information, just a card with number on the back. As we sat fuming in the parking lot, the customer service lady ran all of our information. So sorry, she said. Although there is no history of bad checks, they won't approve it because it could be fraudulent. What the hell. Over $4,000 in the bank and can't even get a couple pairs of shoes. I could understand it better if there had ever been a bad check, but really? This place just cost this store (and any other using them) to lose my business.

I went to Walmart to cash my payroll check from the LDS Church. The banks were closed so this was my only form of option. My check was declined and I had to call a number on a Certegy information thing. It was an automated response which indicates that the check may be fraudulent, poor printing quality, unreadable, or a bad company. So I moved on to my second option at a 7-11 machine where I used in the pass to cash checks. I have a membership there, but the machine declined me.

After cashing my social security checks at one of the local Wal-Mart stores for the past nine months, I was refused today (2-8-2012). Wal-Mart could not tell me the reason why I was rejected, but gave me a piece of paper with an '866' number I could call. I went to the parking lot, and called the number. The lady who I finally talked with me, Donna, informed me that my check had something to do with Certegy losing funds, and my social security check fit the profile. What! The US Treasury is bouncing checks now? I don't think that is the case. I live on a very, very strict income and budget, to make it from month to month. So from spending $3.00 (Wal-Mart) to cash my check, I had to spend $27.50 at another check cashing business.

I went to the Dollar Store and tried to write a check for the items that I had purchased and the check was declined.

If there was never a scam like this, I hope it effects the people who deserves it and declines "government checks." People depend on these checks to live, roof over head, food, meds, heat, electric, etc. We will never cash any kind of check at any place that uses this company. As far as an attorney, there are plenty of unbiased attorneys in the USA and we can find our own.

I have been declined by Certegy Check Services numerous times at a local grocery store. I have a new account that I established after discharge of my bankruptcy. I have not had any problems with writing checks except at merchants that use Certegy. I will admit that I had returned checks with Certegy check services, but I have cleaned up my record with a bankruptcy discharge. We did send Certegy check services a bankruptcy notices and they were named a creditor on our matrix. We received no objections to the bankruptcy filing or the discharge from Certegy Check Services. It is now clear to me that this company is discriminating against consumers who have exercised rights under the bankruptcy law. It is also clear that Certegy Check Services hides behind their risk model excuse in order to discriminate against consumers. We need to put an end to the discriminatory practices of this company.

I submitted check to MHC Kenworth Springfield, MO whom I have had a long standing business relationship with. My check was denied and they gave me a card that basically stated insufficient data on my company to allow the check to be approved. I do understand the need for businesses to protect themselves from check fraud however, I was extremely embarrassed as I have done business with MHC Kenworth for years and this gives the impression that your money is not good.

I tried to cash a payroll check for about $800 on a very reputable dental practice, that regularly does business with Walmart and deposit the full amount on a Walmart money card. It was declined because it did not fit the model. This practice will have as much as a 100,000 float in that account and does a million a year in proceeds. The decline was ridiculous and will harm someone on the other end of the transaction with a second card in a foreign country that needs the money for safety. The failure to fit some model to cash a check is idiocy.

Certegy declined (failed to authorize) a check transaction: Payroll check drawn against Wells Fargo business account because of an inconsistent pattern of check cashing. I normally use direct deposit and so do not have a consistent pattern of check cashing. Regardless, when contact via phone, Certegy refused to hear my complaint, allow me to talk to a supervisor or proceed any further with the transaction. I am unable to transact check. I will have to take time off from work tomorrow to go to the bank to complete transaction.

I had been out of money for a week and waiting for two paychecks from two employers. I received one on a holiday when banks were closed and asked a co-worker where he cashed his checks and replied Walmart. I went to Walmart not using a payroll check place ever in my life of fifty one years. The customer service manager asked for my SS# and I proceeded to give it to her when she snapped at me and said I don't want it put it in the keypad! I quickly told her she could have asked me instead of barking at me and she said, "Oh everybody does it " as if she is accepting my apology.

My check was denied at Circle-K in Pensacola, FL. Certegy said no reason. I understand the need to prevent worthless checks and fraud. However, why not just use one of the systems that deducts the amount from your account while you wait. The clerk asked for no ID, though I was reaching for it as she was running the check. This just sounds like data mining to me and should be illegal!

I had checks stolen from me and forged. I had to close my account, reopen a new account at my bank, file criminal charges against the person who did this to me and send a copy of all the affidavits from the bank and the police report also to all the place of businesses where the forged checks were written. One place was Murphy USA. Now because of all my troubles, they are giving me bad credit. Dollar Tree, Tobacco Plus and Murphy USA. I cannot write checks or use a credit card. I cannot use checks are credit cards that use Certegy because of false info.

Like many other Americans, I decided to stop using a Big Bank. I'm with a local Credit Union. I have stormed in there three times this week as stores will not accept my checks for no reason. Too bad, so sad. Establishments I've written checks at for 30 years, now aren't able to clear them through these Certegy **wipes. I spend hours on the phone with them, listening to the same ** over and over. We're sorry for the inconvenience? You're sorry? Who the hell died and made you god? I have $4000 in this checking account and can't write a check? Certegy and any store dealing with these lowlife can kiss my **. I will not be shopping at those establishments and whenever I'm able, I will tell anyone who will listen, not to. Walgreens, check. I am pulling prescriptions and will start boycotting immediately.

I had just purchased a gift at Macy's in one section. Then, I went to another section (perfumes) with a check from the same check book (which had at least $1,500.00 in the account) and was supplied with a returned check. So, I just purchased an item eight minutes ago in the same store with the same check book and then was turned down. It was embarrassing, to say the least.

I wrote a check at Target for $172.98 from a bank account that had a balance of more than $40,000 and it was declined due to information provided by Certegy. I have never written a bad check and have excellent credit. Very embarrassing! The reason given has something to do with my check being consistent with fraud. I won't shop anymore where they use Certegy.

I had a check rejected at a Petsmart where I had been doing business by check for eleven years. They gave me a slip of paper saying that they had rejected it based on information provided by Certegy. I called Certegy but they would give me no information about why they rejected my check. I have never written a bad check and have no outstanding debt but then, they asked me for my DL, SSN, birth date and bank account information which showed me that they had no reason to reject my check when they had none of this information in the first place.

First, I am not an accountant. I do make mistakes. I wrote a check to Wal-Mart and the check was returned. I resubmitted and it cleared. Certegy never sent me any notice; still may be at fault. But they ran that service charge over and over again causing other problems with other ATM withdrawals and other checks to the tune of over $200.00 in bank service charges. That’s $35.00 a pop.

I also had a check refused at a merchant using the Certegy check authorization service. The account has been opened since '83 and carries a high balance. If this has happened to you, go to "AskCertegy" and request a FACT (Fair and Accurate Credit Transactions Act) Disclosure report. This will cost Certegy time and money to run the report for all customers who receive unwarranted refusals on their checks. You can contact Certegy on the phone (To Request by Phone: 1-866-543-6315) and provide information to verbally request the FACT report. Certegy's check authorization system is flawed and customers should not accept having their checks declined just because Certegy does not want to thoroughly verify the credit worthiness of consumers.

Certegy declined my $26.79 business check at Big 5 Sports on 9-29-11. I attempted to pay with my Discover card which Certegy also declined. I called Discover and my bank, on the spot, who both confirmed to Big 5 my identity and that I was a good customer. Big 5 yielded to Certegy. Unwittingly, I chalked it up as Big 5's problem; but, when Certegy declined my $68.00 business check at Academy Sports on 9-30-11, my eyes were opened. I've written thousands of dollars of checks to Academy over the last 7 years with no problem. I called my bank President, on the spot, and an Academy manager spoke to the President. Academy also called Certegy and then had the balls to approve my check. Way to go Academy!

I just went to Target to buy 2 Christmas presents. The total was 100 dollars and Certegy declined my check even though as of today, my balance in my bank account is 1,500 dollars! ****! I use checks plenty of times where the store does an electronic check and it goes through fine and you’re handed back the check. Why would such a large chain store use something as poor as this company and not the electronic check? I am infuriated!

I tried to write a check at Marshall's. It was declined. They gave me the number of Certegy. When I called them, they told me there was nothing wrong with my account or my driver’s license. They just cannot guarantee that all checks are accepted all the time, that they look for similar patterns of fraud. I don’t really know what that means. He said something about someone using my driver’s license. I am not aware of anyone using my driver’s license nor did I report my driver’s license being stolen. I simply do not understand why they declined my check. And the guy (who of course English was his 2nd language) couldn’t explain it to me.

I tried to pay by check at PetSmart, which I've done many times before. This is the first time I've been there since they started using Certegy 2 weeks ago. My check was declined, even though I have over $2,000 in the account and have never had an NSF check. I was humiliated and upset. I was told to call a number, and I called it. I got a voice mail system that said I had a "return check". It’s not true! I will never shop at any establishment that has this crappy service. And I should not have to call Certegy and give them my bank account number etc. to try to clear this up. That's personal information. And it should be illegal for a 3rd party to have access to it in the first place without my permission through Certegy whenever I want to pay by check.

I took a check issued by the State of Washington state employees retirement system to Walmart to cash because I did not want to wait to mail in deposit it in my out of state military bank. Certegy declined cashing it. This is a check written by the State of Washington on a bank in WA DC and there is no local branch of theirs or mine to take it to.

I attempted to cash a check today for $50. It was declined by Certegy. I was told to call them at 866 740-3276. When I got someone on the phone, I could hardly understand what he was saying. This person told me the DMV in Illinois does not have the same info that appears on my DL. Finally, I gave up and accepted the 800 685-1111 number in Atlanta, which was supposedly for Certegy. It was Equifax. I was offered a copy of my credit report to verify my name and SS number. I just used the service on Tuesday, 11/2, and my name has not changed in the past 48 hours. I am filing a complaint with the Attorney General's Office and the BBB, they have no right to regulate my money.

Petsmart, Springfield MO, declined a check. I am a member of the Pet Perks Club & I have written many checks through the years. There were more than sufficient funds in the account. Funny, the debit card from the same account was accepted.

I just went to Walmart to cash an IRS check for less than a thousand dollars and had my DL, SS card, passport, marriage license, etc. to prove my identity. The clerk said that I was rejected by Certegy due to reason 2. I called the 866 number and got a recording. They said that I was not refused due to bad check writing but due to possibility of fraud. It is a United States Treasury check. I had every ID document possible to prove who I am. This is so wrong and stressful! I do not have a bank account so how am I supposed to cash my check?

I wrote 3 checks to Walgreens - same store each time. The third check was declined for no reason. I was given a slip of paper and was told to call the number to get an explanation. It was Certegy and all I was given was a recording - no ability to speak to a live body. I tried calling 3 times and also went online and was given this explanation:

I purchased a money order in amount of $500. I need the money today; I thought purchasing a money order would be the best way to obtain it. I have a bank that is not local to my current residence and I can’t withdraw large amts. of funds in one day. I need a total of $1000.00 and the ATM will not allow that high of an amount to be taken out in one day. I saw that I could use my ATM/Debit card to purchase a money order at Wal-Mart so I thought I would be able to get the amount I needed.