Livingston Mxd

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Verified Buyer
| map-marker Denver, Colorado

Decline money order

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Certegy Check Services - Decline money order
Contains 1 confidential file for company representatives

A declined transaction I am not able to solve this issue. I was prompted to call Certgy to rectify this issue & I havent received any help.

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User's recommendation: Don’t rely on certify it’s no help at all. AI just gives you the run around.

David K Zrd

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Verified Reviewer
| map-marker Portland, Oregon

Can't use ACH with credit card

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I have a Red Card. I got a new checking account and tried to add it to the online banking site Target uses.

This was declined by their payment partner Certegy. There's no way to call Certegy and prove that this is my bank account so I can add it via ACH. There's no way to reach a human, no place to send verifications, really no accountability process or means of contesting their findings at all.

I have nearly 800 credit, thousands in checking at any time, no bad check writing or delinquency history, had this Red Card for almost ten years.

I guess I could order paper checks and start paying this credit card like it's 1996. Realistically, I'm just going to buy a gas station money order to do one last payment and then sever my relationship with Target financial.

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User's recommendation: Don't use checks, just move on if Certegy or Telecheck decline you

1 comment
Cresencio Aay

Y tube is not working on telebision

Nick T Cfq

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Never cash a government issued check

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Contains 2 confidential files for company representatives

It varies from week to week if they flag you or not. I get a check every 2 weeks from the state of Illinois, local Kroger and Walmart use this terrible certegy system.

They literally will cash my paycheck one pay period then decline it the next. This happens every single month for over 6 months now

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Cons:
  • Have terrible service in every department

Preferred solution: Apology

User's recommendation: DO NOT USE CERTEGY

Anonymous
map-marker Ithaca, New York

*** company

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Its one thing to decline a personal check for obvious reasons but when they are from a companys payroll or a bank, and they dont give you a reason as to why they didnt accept it, is such a cowardly way to do business. Then when you call to find out they dont give you an answer.

They mail you a report and by the time you receive it who gives a *** then? You are connected to robots that are *** This is the second time this has happened to me at costly times. And I know they dont give a *** bcuz they dont need me to run their *** business but one day it might catch up. Why not just tell the reason why?

Why not have someone to talk to? Because they are a *** company with robots and if I was able to change something in this world it would be to get rid of stupid bots that never help out with anything just make things more frustrating. I have 60 days to get a copy of why. 60 days like why is this even allowed?

And how does cashing a certified bank check have anything to do with credit? Its hard enough to get credit score back up and when things like this happen it just makes it harder. Their should be absolutely not one reason why I cant cash these checks. They are guaranteed to get the money.

Its already been accounted for. And is which I dont understand why a *** company like certegy is even involved. I could see if they verified personal checks to make sure they cover the amount of the check. But no they are basically a company who says no to someone trying to better themselves and then *** them off by not giving the reason why.

Because they have up to 60 days to send a copy of the report to the individual. Since they clearly know the answer cause they made the decision why cant they just tell you the reason for denying it? So you cant question their terrible reasoning why? And dont have a human to speak to.

Its seriously the most frustrating thing ever knowing this company makes money off this *** and is allowed. Like last week I tried to do a payroll check and I had to pay my taxi driver when I cashed it. This *** company denied that check as well and the cops were called and were about to arrest me because I had no other money to pay the taxi company so the owner wanted to press charges all because this company said no dont cash his check he really needs it and then we wont tell him why. This company should have to give a legit reason when they deny something.

And have an agent that answers questions rather then the *** they have going on now. Like what exactly are you protecting when I have valid id. My social security the check and everything a person would need to cash a check. I dont understand the point of having you make the decision because if it has to do with credit score why would that make a difference?

The money is accounted for Im not using credit. Im taking my money and turning it into cash and wal mart is charging 8$ to do so and they have their money right then.

So their is no legit answer and thats why its frustrating because they get away with nonsense like this. To the owner or shareholders *** Your worthless.

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User's recommendation: if certagy is involved in transaction finger expect your money or an explainion why til they mail it to you.

Elyjah Dzd

Have to jump through hoops to get an answers

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Original review updated May 02, 2024

Attempted to cash a check from my employer. Not a hand written personal check, a printed payroll check from my employers bank.

I have never cashed a bad check, never had a check bounce. No negative check history ever. My employer is a reputable business that has operated for decades. Certegy recommended it be declined, they will not provide specific reasons why.

But you do apparently have the right to request a copy of your report to find out what information might be negatively impacting the decision. (Not a specific reason just information that you have to interpret yourself). I attempted to request a copy of my report, but to request this report (that they are legally required to provide you) you have to fill out a form. However this form specifies that the routing number must be 9 digit.

If your banks routing info is 8 digits call yet another number to request & start the process all over again. My employers routing number just so happens to be 8 digits. Lucky me. What a joke.

I love in a smaller town without a lot of options to cash checks, going to have to drive to the issuing bank out of the way to try to cash, because all the major retailers that cash checks use certegy. I understand the need to have secure secure transactions, but providing no explanation, having no customer service, and having to jump through hoops to request a copy of a report (that will show up by snail mail days or weeks later) that they are legally required to provide is a joke.

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Cons:
  • Will no provide reason for denial so you can rectify the issue

Preferred solution: Some transparency

User's recommendation: Have a back up plan, make sure your bank or the issuing bank is open when you need funds because most major retailers use certegy for check cashing decisions.

Werner Ydk

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Verified Reviewer
| map-marker Schaumburg, Illinois

Declined check

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for weeks I was going to Walmart and cashing my checks and all of a sudden Walmart couldn't cash my checks and I cannot get a hold of anybody to find out why not and I do not know what to do every place else charges me like $20 the cash $1,100 check is there any way I can get a phone number for certegy

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User's recommendation: don't use certegy get a bank account

Zaara Fzd

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Verified Reviewer

Declined check and they can't find why.

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I wrote a check for publix it cleared. I went this week to write one and they declined it due to ask certegy.

I called they couldn't find the transaction even with all the information. Then I called today same thing. I went online and the same thing. I don't bounce checks.

The company won't even let you talk to a human being.

Companies that use this service and the customers that are legit both lose out. Horrible company.

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User's recommendation: Can't trust this service.

akairi y

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Verified Reviewer

Worst company

Youre the worst customer service ever!!! I cant even talk to a live representative to ask about my account. Ridiculous!!

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Preferred solution: Nothing. Send my message to Certegy and let them know to improve their customer service prompts

User's recommendation: File a complaint on their customer service

Douglas J Mqq

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Verified Reviewer

Complaint

Updated by user Oct 02, 2023

I could not get a hold of anyone to talk to at certegy after dozens of attempts I spoke to my bank and they said do not give certegy my personal information to request a credit report certegy has a 1%customer satisfaction rate. KROGERS never even attempted to cash my check shame on them.

I returned to the store and bought my groceries with my debit card. I guess checks are a thing of the past but certegy is a fraudulent business

Original review Sep 16, 2023
I have a Wells Fargo account and they dont have any locations in Kentucky where I live. I found a charge on my account last week and disputed it to Wells Fargo they canceled my bank card and sent a new one but it wont arrive for at least a week so I went to KROGERS to buy groceries and tried to pay with a check but was denied I have almost $3,000 in my account KROGERS said certegy told them not to except my checks.

I have never written a bad check I was stunned I never heard of certegy I tried to call them several times on a Saturday but I only got a recorded message and couldnt speak to a representative certegys website says I can get my credit report if I provide them my social security number and address and personal information including bank routing number and account number. Why would I give all that to an agency I have never heard of. Im 62 years old and make over $100,000 a year. If KROGERS doesnt accept checks just put up a sign but dont lie to me and tell me I have to give all my personal and banking information to get my credit report.

Watch how fast I file a lawsuit and get a court order to have you cease and desist your unlawful actions. This website wont even allow me to download a picture of my receipt and photo of bank account balance
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Cons:
  • Dont base denials on account balance

Preferred solution: Apology

User's recommendation: I guess stop using checks and maybe don’t use Wells Fargo and stay with a bank that has local branches where you can get help instead of calling long distance

Keeley W Vpf

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No humans

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Contains 1 confidential file for company representatives
Updated by user Jun 16, 2023

Called every number possibly found for this company and STILL NO HUMAN!!!!

Original review Jun 16, 2023

Holy crap!!! Are there any human beings that work for this company???

I'm not understanding why the *** my check was denied and can't even began to figure it out, because there's no humans that work for this company!!! Call customer service and service isn't being provided!!!

One unhappy customer and it seems like I'm far from the first one!!! What kind of company is this???

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Loss:
$73
Pros:
  • Cons for now
  • Cant find one
Cons:
  • No humans interaction
  • Worthless compsny
  • Suck

Preferred solution: A human

Anonymous
map-marker Riverside, California

Kroger and Walmart refuse to cash my checks

I can not cash a check at Kroger or Walmart all I get is denied and told to call certify and I can not get a dam answer from them or a real person to talk to at all I think this is b.s.

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User's recommendation: Watch out

Keeley W Vpf

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Verified Reviewer
| map-marker South Lake Tahoe, California

Somehow, I reached an agent. I'm not sure how, but I did.

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After who knows how long... I reached an actual human being!!!

Of course, he was ABSOLUTELY NO help! Couldn't tell me why my check was declined or what the real issue is. Why does this business even exist??? What's the point?

If you can't explain why my check was declined, why are you here??? Still frustrated!

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Daniel S Upb

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Verified Buyer

Terrible customer support

Contains 1 confidential file for company representatives
Original review updated May 13, 2023

*** certegy, this company is *** ridiculous theres no option to speak with a real person and their decision making process is retarded asf and completely random why can I cash a personal check thats hand written but a check from Exxon mobile for stocks I sold thats 100% printed be declined. *** walmart and *** certegy -10 stars out of five

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Preferred solution: A real person on the phone

User's recommendation: I recommend licking a moldy pile of dog *** before using this joke of a check verification system

Scott M Ebs

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Verified Reviewer

Check was denied

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Original review updated Mar 22, 2023

Who are you? Pros: Cant find one, Cons for now, Protection.

Protection from whom, them? Who are they and who do they answer too? They're parasites. They don't have access to your balance, so what good is their "recommendation." I found lawsuits back to 2008 against them.

The FTC has been a big part of it. But they exist, and answer to no one. All their phone numbers are a front, get human 866-740-****, updated 3/18/23 by whom? Bogus phone number.

Any phone number leads back to 1-80*-***-**** with no possibility of getting a live person. The FTC for some reason refers you to the Consumer Financial Protection Bureau. So, we'll find out what they have to say! They are not a Federally or state endorsed company, so why when you can't get a hold of a live person for an explanation to their BS, they offer if you give them your drivers license and social security number, they'll send you your credit report?

What idiot would give these idiots this information, and better yet why is the Federal government allowing this? I don't need my credit report, I need to know why with an 824-credit score, you denied a check I tried to cash at a supermarket I've been shopping at for the last 30 years and never had a problem. Until less than a week ago. Who are you?

Parasites. This is the Federal governments responsibility to protect us from idiots like this. Again, no Federal or state accreditation. Who do we sue if it effects our credit rating?

We need answers, not excuses. But then again, whats are government been good for other than excuses

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Preferred solution: See their company go bye bye.

User's recommendation: Reach out to the FTC and Consumer Financial Protection Bureau

Janet P Zxk

Fed up that I have been unable to write a check at HEB a for years and years , 5 years at least .

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Unable to write a check for 20.00 at HEB!

The only grocery store in town .

Why am I not able to write a check after 5 + years ??

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Ca M Zwr

Denied checks for firs time in 40+ years of check writing.

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My financial institution agrees that I have more than enough money to cover the checks I'm writing.

All of a sudden, out of the blue and for no reason, my checks are being denied.

No mortgage, no car payment, no credit card debt, credit score well over 700.

And yet, I've been labeled a bad risk. Why?

Can't get an answer.

Who are these monsters?

I'll be writing to the Federal Trade Commission, the Consumer Financial Protection Bureau, my Congressman and Elizabeth Warren. These people are like "for profit "colleges".

They should be abolished and eliminated! They are just scammers.

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Cons:
  • Why do they have power to destroy people

Preferred solution: The return of my good reputation.

User's recommendation: Write to the above named authorities and have them put out of business

About

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Summary

Certegy Check Services, Inc. or just Certegy is a check risk management company. It was founded in 1971. its headquarters is based in Tampa, Florida, United States. Certegy provides check authorization and guarantee services to merchants and businesses. The company specializes in verification and risk analytics to businesses which accept checks as a form of payment for goods and services. All decisions are made based on information in Certegy check writer database. The company can also verify funds with financial institutions. Certegy Check Services, Inc. is governed by the Fair Credit Reporting Act. Customer assistance is provided by e-mail during normal business hours.

Certegy Check Services reviews and complaints

Certegy Check Services is ranked 982 out of 5026 in Financial Services category

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