FISGlobal.com / Certegy review: declined checks! 620

My wife was declined while purchasing eyewitness at America's Best. I wrote America's Best to let them know I will no longer shop there. I tried to contact Certify online but could not get any response. I know my check was good and I have never as long as I have been writing checks had a check returned for ISF. I can see no reason for any business to use this company's service. I hope someone files a class action against them. This list of complaints has been going on for quite a few years.

Today I try to paid $13.43 with my personal check at Sedano's Supermarket located at 10720 West Flagler Street Miami Fl 33177, and my payment was rejected. I ask for information and the cashier was not able to give me any explanation why my check was rejected. I call my bank, Continental Bank of Miami, and they can't give any explanation because my account have enough funds and in good standing. I'm a customer with Continental for over 35 years, and is the first time that a check of mine have being reject. The Sedano's employee was not able with give an answer, but Certegy Check Services, Inc that rejected my check, is full responsible for the action and I request a FULL explanation why this action has being taken. My name and address are as follow;
Francisco L. Nunez
3631 SW 105TH Court
Miami, FL 3316
e-mail: panchitoco 34@yahoo.com
House phone: [protected]
Cel: 305 342 7690W
Waitin for a full and satisfactory explanation,
Francisco L. Nunez

Yesterday I went to JC Penney and wrote a check for less than $200. it was declined. Called the bank from the store, knowing that my account had plenty of money. The bank said there is nothing wrong on their end. Funds were there. The bank even spoke with the cashier at JC Penney. They ran the check two more times with the same results. I called Certegy, A company I never even heard of, and they were asking for all sorts of personal information.
If a class action suits does come up, I want to be a part of it. Apparently from the difference in dates, this is a long on going issue with this company. I don't know why they haven't been shut down.

I am in the same boat as most of you. I had purchased a Western Union money order from a Fry's grocery store. I sent the M.O. off only to have it returned due to a change in the organization's change in policy regarding money orders. (looking back, I wonder if this issue is why they no longer accept money orders?)

The M.O. was returned to me at which time I returned to the same Fry's grocery store in attempt to refund it. It was declined. I attempted to contact CERTEGY per Fry's recommendation. After NUMEROUS attempts of going through the automated system, not given the option of speaking to a live customer representative, I was finally given that option. When I spoke to the person, she looked up my information and verified that the M.O. was valid and should be able to return to the store and cash it.

This was not the case as when I tried to do so was again denied. I have still yet to speak to anyone, including Western Union, that is able to help me with this situation. All suggestions that I've gotten all turn back to contacting CERTEGY.
While this is nearly impossible, I have a M.O. with money on it that I cannot cash due to the lack of cooperation on the part of CERTEGY. I just don't know what else to do...

These 3rd party check verification services get away with this because ultimately it is the merchants decision to take a customers check or not. Certegy provides insurance by paying a merchant for the checks they approve so merchants seemed to have adopted blanket policies to only accept checks Certegy approves. The kicker is the "risk assessment" algorithym certegy talks about is designed only to keep Certegys risk at a minimum. So they only allow for a specific number of checks to be approved and total dollar amount to be approved in a 24 hour period. They absolutely do just arbitrarily block perfectly good checks as a safety measure for themselves and they dont care about the loss of sales to their clients(i.e. the merchants) nor embarrassing the consumers who are held responsible regardless of whether or not they are actually at fault. This is called a DDoS, or a direct denial of service attack upon consumers but since certegy is such a piece of [censored] THEY cover their [censored] by only "recommending" to the merchant in question to deny your check. But most cashiers and even store managers have zero understanding of what is actually happening and are ignorantly following a corporate policy that discriminates against their customers. I have been working on putting together a lawsuit that could hold certegy responsible because i do think they definitely bear responsibility but if the merchants stopped blindly following these stupid companies self serving recommendations the problem would fix itself. Basically certegy is guilty of maliciously spreading the defective information that caused the merchant to deny your check. Possibly slander or libel maybe or perhaps they could be even guilty of computer trespass since their defective information does interfere directly with a consumers ability to make legitimate purchase of goods and services using legal tender? Its just wrong regardless tho.

I have tried to cash my payroll check and it gets declined! It is a payroll check! The number they give you to call never tells you the actual reason it is declined. People need the money they work for and when you get off work after banking hours there should be a place to cash it but this company runs every place around me! What a joke!

Certegy is such a joke. I went to JC Penny and wrote a check that was declined. I called my bank and I had more than enough money to cover the check. Needless to say, before I do any business with any store, I will ask them if they do business with Certegy. If they do - they have lost my business.

Walmart denied my 401k check
Denied a payroll check

A bank sent me a cashier's check for an IRA account I closed, and for some reason it was declined I can very much understand a personal check, but NOT a bank drawn cashier's check. Walmart is loosing aloy of business because of this machine or could it be the cashier putting in the wrong information?

I tried to cash my unemployment check at Wal-Mart in portland Oregon. Totally embarrassed when I was denied due to Certegy! There is no reason I should have been! Went to my car and called the number provided just to get an automated recording trying to sell me crap. Couldn't talk to a live person !
Ridiculous. I need the money today. Spent too much time waiting in line at Wal-Mart and on the phone. Im angry as hell and dont know what to do

Went to dollar general today and wrote a check for my purchase since I did have debit card for 109.62. It was declined. I have only lived here for 5 years and never write checks but use debit card. Called and they said it was because of no check history. Are they serious? Will never return to dollar general as long as they use this service.

This Atrocity with Certegy has been going on for some time. I went to Tops Market and had a perfectly good check declined only to have to use my debit card out of the same account. I was charged $.80 more because of using my debit card.
I am filing a complaint with the NY Attorney General and Better Business Bureau.
The manager refused to override.
Why is Certegy still in business?

If anyone wants to talk to an actual person a Certigy call: [protected]

I went to both walmart and kroger only to have my WU money order declined via certegy no valid explanation given I called the number on the back of the money order and was told that it's perfectly valid...is Christmas coming again this year...what am to do with the other ones...bogus declines...

I have no idea why my check would be declined. It’s payroll. I need to know specifically why my check was declined today 11/1/22 for $1992.52 at Walmart.

i tried to cash my pay check at walmart and was denied for no reason by certegy. my name is james steinhauer my social number is [protected]