I wrote a check for groceries at Publix today for $361.68 and my check was declined. Certegy did this and when I called they said it was a risk factor and not that I had any bad history with check writing. I was so embarrassed. I am angry. Who the hell are these people?????

I too am frustrated. I used the Target Red Card (Debit) for a $10.98 purchase. My bank returned it unpaid. I recieved a letter from Target informing me of the failed transaction. The letter stated I needed to call Target and pay the $10.98 plus a $20.00 fee. I checked with my bank and learned it was returned in error. My bank wrote a letter explaining what happened and accepting fault for the error. I forwarded that to Target. I also called and paid the $10.98 including the $20 fee(got that back from my bank) to Target. I was told my name, account number, and drivers license would be removed from Certegy and also from Target. However, as of today, I can still not write checks or use my Red Card. I paid the amount within two days of receiving the letter. Upon contacting Target, they claim I am not on any derogatory list. They suggested I contact Certegy to find out what is going on. This is the first and only thing I have ever had returned in 25 plus years of having my checking account. I need answers, but no one is taking responsibility to correct this!

Certegy advertises that they decline between 2-5% of the millions of transactions attempted each year. This 2-5% is more like a quota and does not accurately depict the number of fraudulent attempts. The quotas are used on reports and brochures to clients in order to promote their service as viable and necessary.

As less people rely on checks and check cashing services, Certegy services become less needed. It is only though their 'proprietary fraud model' that they are able to convince big named corporations like Wal-Mart to continue using their system.

This proprietary fraud detection model is written to convince big corporations that 'something is being done to prevent fraud'. In reality, the models goal is to meet the 2-5% quota that their brochures and reports advertise. This means that even if customers are law-abiding citizens who have no intention of committing fraud, they can fall within Certegy's 'proprietary fraud detection model' algorithm.

Certegy gets away with this because they can hide the reasons for check declines through codes. The codes limit the detail that prevent discovery of the algorithms. In essence, they can arbitrarily deny transactions based solely on the hidden algorithm and consumers have no right to know why they were declined.

In summary, your check was declined so Certegy can continue selling their product. You become a statistic that Certegy reports to their shareholders in order to justify the costs of the services.

This is a completely unethical way of doing business especially in the United States that has laws protecting credit and consumers. Certegy has managed to circumvent the laws. They understand fraudsters are finding other ways to steal from businesses and the fact that they sacrifice a few thousand innocent people per year, by denying legitimate transactions, is a small price for them pay.

Then to top it off the companies employees either ex or still employed, get online trolling and make disparging and harrassing remarks to people who have been victimized by this criminal outfit. This is a damn shame and it needs to stop.

I went to Macys and was attempting to make a purchase in the amount of 38.32. I wrote a check for the amount and had no idea what was about to happen next. Keep in mind I have over 7k in my checking account alone and I work in collections collecting on bad checks so I know how the check thing works or so I thought. Anyway to my utter disbelief my check was declined and I was given a phone # which I called and was told the biggest bunch of crap known to mankind. The company I called was certegy and what they told me was I had no bad check writing history with them and that my check was declined to fight indentity theft. My check didnt fit a certain pattern I was told therefore it was declined and the decision could not be overidden. Upset I proceeded to go off on a tirade at the rep who was trying to feed me this nonsense and yet nothing was done. I go out a day or so later and I go to marshalls and I go to pay via check and guess what happens? You guessed it another declined check and another call to certegy to have smoke blown up my you know what.

I looked certegy up online and I found nothing but complaints and more complaints this is ridculous I'm so blown away by the ineptness of this company and its system. Something has to be done about this there are laws that were designed to protect consumers yet certegy gets to slip through loopholes while good, hardworking people suffer.
This is just wrong, really wrong.

Has anyone taken steps to Sue?? Or any groups because I would like to join in.Its a embarrassing sad rack that such a poorly ran comp can control an cause undo hardships to consumer in the US. I am a hard working man trying to raise a family. I have never written a check before. An constantly abused an humiliated by this company by trying to cash a payroll check or income tax that is writen by the federal government. If there not good for it who is I am disappointed in Walmart allowing such a piss poor company Rep them in any way. So please I'm tired of being wronged by certegy so if a lawyer is working on this or a group that is making real moves to be compasated for the.undo hardships they cause without even offering a way to resolve please contact. Me. At 724 759 3116

Anyone taking real legal action or groups please contact me... at 7247593116 as the hardships I have unjustly endured not to mention the embarrassment from certegy is wrong and I will gladly stand by any group or persons whom are taking serious steps to Sue these people for what they have an will continue to do.

My $1200 personal check was denied by Certegy, making it impossible to pick up my vehicle from Pep Boys at 8 p.m. My ride had already left. Is this what Pep Boys calls "customer service?" Why use Certegy, which is interested in the gaming industry. And, oh, I had plenty of money in the bank. It was Certegy's faulty "profile" screening. I simply did not have any check-cashing records in Certigy's files. Hell, that's not my fault!!!

How is a 6 year old complaint about 22 dollars still active here?

This site is so pathetic...