Certegy Holdings, LLC CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
10/20/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • IL
  • 628XX
Web
I work for the XXXX XXXX XXXX XXXX XXXX XXXX and stopped to get gas at the XXXX XXXX which has a gas station which I just realized from looking at this receipt is called XXXX XXXX XXXX at XXXX XXXX. XXXX XXXX XXXX IL XXXX. I think these are the same crooks who tried to rip me off in XXXX or XXXX a while back too whom I also reported to you for trying to fraud me and steal fees for a check that I had used to pay for gas one time of the numerous times I went there, which they had to run through twice but cleared, they were trying to charge me a NSF charge as if the check had been returned to me and they had not been paid but instead they HAD been paid and still tried to gouge me for the fee!!! This is fraud!!!! The company is CERTEGY that they use to steal the money for them, all of the gas stations and most businesses are now using these crooks, they are all over the internet have had class actions and other very large lawsuits filed and won against them!! They are declining peoples checks all over the country thousands or more at all the stores when people have plenty of money in their accounts and have never had a check returned, they are saying it is their system that randomly chooses people for different reasons, in my case it was just because I bought my gas at the one place numerous times with checks so it then flagged me, even though they were all good checks. So, I went to get the gas, only had a little over a quarter of a tank of gas and drive two hours round trip to work and home daily! I also do not have any other credit cards or ways to make a payment other than my debit card or checking account and had left my debit card at home. Of course this one time I go and really need the gas they decline my check. I am a twice widowed mother living alone and had no one to even call to get some extra money or help. I am contacting a lawyer and will lead another class action to sue these XXXX!!!!! I have won several lawsuits and will gladly take on another. Their information is Certegy www.askcertegy.com XXXX. Certegy Check Services XXXX XXXX XXXX XXXX XXXX FL XXXX. They have cost most of the businesses that use them to lose probably half of their client base, from what I have read and I am yet another one!!! I spend thousands at XXXX yearly but will now go elsewhere and I will refuse to do business with anyone who uses certegy as the others are, this was a humiliating experience and put me in a very bad situation being out of town with no help or other means of payment. THEY HAVE NO RIGHT to just STOP and DECLINE peoples checks, that is against the law!!!! Just as it is against the law to use fraud to steal fees from people who do not OWE them!!!!! This is what they were busted for in the most recent huge lawsuit, now the XXXX are doing it again!!!!!! The last time I had to file a complaint with you about them and this was within the last year, they were to remove me from their database and send me a copy of all information they had stored on me in their database, which they never did, but lied to the regulators to avoid the fines!!!! Please look up this complaint and review. I want them held accountable for all NOW!!! I want ALL of my information removed from their system NOW and a copy of my file they have sent to me immediately!!!! I am also included that in my lawsuit!! I called the number to talk to them but kept getting thrown around on their electronic system, they kept trying to get my checking account number, my routing number and my Drivers License and SS number!!!!! And you wonder why their is so much fraud and identity theft going on in this country??? They are not getting any of that information. I hung up. This is nothing but a scam, they falsely decline checks for no reason, so people will call and give them all of their data, which they then are more than likely either selling to data brokers on the dark web or they are using it to monitor and track people and their spending, either way it is stalking and illegal!!! Please contact them and make them remove my information NOW and send me my file and I don't want this complaint closed until they have!!!! I also want you to go after them and shut them down and fine them so much money they will never be able to pay it for all of our troubles. I am a government employee and also want a cease and desist put on them and I WILL file a restraining order if need be they have been stalking me for some time if they tried this twice in a years time!!!! The businesses using them also should be held accountable in the same manner!!!!
12/01/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • NC
  • 28213
Web Older American
On XX/XX/2022 ( XXXX XXXX ) I wrote a check at our favorite grocery store, XXXX XXXX, XXXX XXXX XXXX, XXXX NC ( Store # XXXX ). Since the banks were closed that day, I asked if I could write my check over the amount of my order. The cashier stated I could write it over {$30.00} to make my order an even {$100.00}. I followed their instructions and wrote my check for {$100.00}. As the cashiers were processing my check, they appeared to have encountered a problem with my check. They stated, " It's just not taking it. '' I thought maybe since I had folded my check to put it in my wallet that maybe I had damaged it in some way. I asked if my folding the check could have done something to make it reject it. The cashiers stated, " No, that's not it. It's just not taking it period. '' The cashiers tried another attempt at processing my check. Still no luck. I was directed to Customer Service and explained my situation. They tried to process my check once more and stated that it was rejecting it. I mentioned that our bank XXXX XXXX XXXX had merged and was now XXXX. Our bank informed us that we could still use the XXXX XXXX XXXX checks. I inquired if that was why my check was being rejected. Still the same response, " It's just rejecting your check. '' Then the customer service rep asked if I had another form of payment. It was then that I started to wonder if my account had been hacked since I never had a problem writing a check before. I presented my credit card and paid for my groceries. I was handed the rejected receipt and the customer service rep pointed out the Certegy Check Services contact info. It was shocking to read, " Certegy did not make the decision to take the adverse action and is unable to tell you the specific reasons why the adverse action was taken by us .... '' How would you feel reading " ADVERSE ACTION '' and to take the adverse action against me. What? I did not understand what was going on. I asked several times what was going on with my check and the customer service rep just pointed to the area to contact Certegy. It made me scared that my account might have been hacked or something. It also made me feel like some type of criminal being rejected with no explanation. Since XXXX XXXX 's customer service gave me no explanation, I sat in my car and tried calling the Certegy phone number. I attempted to answer the robot questions, name, address, drivers license number, routing number, account number... .but I hung up when they asked for my social security number. I am a senior citizen and did not feel safe giving out my social security number ( to a third party ), especially after my shocking encounter at XXXX XXXX with my check being rejected. When I arrived home, I went on my computer and contacted XXXX XXXX XXXX to inform them of my experience at their grocery store. I heard nothing from XXXX XXXX until XX/XX/XXXX ( case number XXXX ) which appeared to be a robo response. It stated their XXXX XXXX would be following up by phone. Here it is XX/XX/XXXX and I still have not heard anything. I replied to the XXXX XXXX email response and once again relayed my experience at XXXX XXXX and my rejected check. In addition, my husband went to our bank to check on our account to see if it had been hacked or something. The bank stated we have active accounts with more than enough money to cover that check that was rejected. Our bank stated that our check should have been accepted. That was a relief to find that our account had not been hacked but we are still wondering why our check was rejected. I just would like to find out WHY my check was rejected and WHY I was treated like a criminal when I did nothing wrong. Who dropped the ball here? Is this how loyal customers are treated? Thank you for following up on this.
02/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • MI
  • XXXXX
Web Older American
I walked into an XXXX XXXX XXXX retail store to pay my XXXX XXXX bill on XX/XX/XXXX. I gave my XXXX XXXX XXXX bill to the manager to process by payment for the month of XX/XX/XXXX. I submitted my driver license and my personal check for payment. After about 5 minutes the manager handed my a receipt and notified me they were not going to accept my personal check. I was informed the company they use ( Certegy Check Services ). They told me that based on information provided by Certegy Check Services they could not process my check. I asked on what basis was my transaction denied. I was told Certegy provides authentication and risk management services to merchants. On the receipt it informed my of my rights to receive a free credit report. So I left the XXXX & XXXX retail establishment and came home to call Certegy 's XXXX phone number to attempt to find out why my check was denied. I call and a person told me they did not have access to my account information at the bank, my credit report or any financial information about me. I asked how Certegy make a decision to advise XXXX XXXX XXXX not to accept my check. I was not given any information as to how they make these decisions about consumer transactions. I was told the same information which is on the receipt XXXX XXXX XXXX gave me which doesn't explain their criteria for making check payment process. I asked for a supervisor, I told supervisor I had sufficient funds available in my checking account to cover the amount to pay my bill. I also advise them that a month ago I went into the same retail store and they processed the payment for the XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX I asked what could change in less than 30 days? They could not provide me with an explanation other than authentication and risk management services. I explained I have paid my bill to XXXX XXXX XXXX not time with no late fee 's associated with my XXXX XXXX bill/account. I have more than enough funds to cover the transaction, with savings and money market funds available if necessary to cover any transaction, with a credit score of XXXX. They told me they did not have access to this type of information regarding my bank account. So I aske again what criteria they used to not process my check. They just read me the information on the receipt again regarding authentication and risk management. I told them I needed more information and they could not explain how they determined my check should be processed. I also called XXXX XXXX XXXX and explained what happened and the same information based on Certegy criteria is who made the decision not to process my check for payment. XXXX & XXXX always tries to get me to go online and pay my bill. However, I am not comfortable with this method. They also want a {$5.00} fee for calling an associate to pay your bill by phone. I had always mail my check. But with the US Post Office changes I was afraid the payment would not be received by due date. I am concerned that a company like Certegy could make a uninformed decision not for a company to cash my check. As I explained to Certegy I have NEVER had a check denied for payment in my LIFE. Therefore I slept on it and decided to write to you to ask your option. Please, let me know what your thoughts are. I would send you a copy of receipt but my check account number and bank routing number are on the receipt. Thanks for any explanation you can provide. However, I feel this is not right. When a person who shouldn't have any issues and never had any issues using personal check to pay for goods and services are denied use of what I believe is considered legal currency. Let me know if you need additional information. Thank you. XXXX
06/03/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • NM
  • XXXXX
Web
A yearly event when I apply for Hardship Assistance with the District of my XXXX ... the checks for this Hardship application are made Payable to XXXX & again this year with an XXXX XXXXs check XXXX & Certegy still deny XXXX from accepting the check. This is your accountability XXXX & Certegy : I receive emergency hardship checks from the XXXX District of which I applied for the funds & AGAIN XXXX with XXXX & Certergy has again declined another check. WHY???? Previous communications with XXXX corporate from last years checkbelow HOWEVER due to this recent " blacklisted '' Tribal checking account from XXXX employee ( s ) with XXXX check cashing database the Tribes checking account is " blacklisted '' punished by XXXX. I told her XXXX she decided she's going to make sure that NO XXXX checks are no longer good at any XXXX that she would have to go over XXXX Federally Recognized XXXX to do her endeavors. XXXX response : we're not allowed to change the status of a check regardless of being accused of fraud or cashing illegally, we're not allowed to change the status of the checking account or to call XXXX to do so for anything. XXXX DOES NOT take/accept " cashier 's checks ''. ( THIS IS NOT A CASHIERS CHECK! ) ... while I still sit out here waiting for XXXX to contact XXXX in regards to ALL of this & no toilet paper or toothpaste for me in this waiting process to be repaired IMMEDIATELY. I as a Consumer/Customer still in decision of filing Federal complaints with some federal agencies because the Company/Corporate has an employee ( s ) as such who can utterly destroy things for us XXXX ( federally ) & somewhere in this I'm am also hoping that part of the XXXX will file for their Right to Know why XXXX as a merchant will not accept their checks in violation of federal Laws. ( FCRA ). ... With her XXXX employee decision ( XXXX, NM is the busiest XXXX in the Country-hopefully the store will close down now ) thanks to XXXX employees unethical, unprofessional, illegal misconduct ... My XXXX is now " blacklisted '' ostracized from utilizing other merchants with their checks via XXXX & XXXX XXXX. WHEN THE DISTRICT OF MY XXXX WHO ISSUES THESE CHECKS FOR ME CONTACT XXXX YOU XXXX DO NOT TELL THEM WHAT NEEDS TO BE FIXED & FOR ME HERE IN XXXX ITS VERY DIFFICULT WITH YOUR ILLEGAL GAMES TO PLAY. I'M HOMELESS OUT HERE & THE FUNDS ASSIST ME WITH FOOD & NECESSITIES BY PUTTING THE FUNDS MADE PAYABLE TO XXXX ON A GIFT CARD DUE TO NOT HAVING WHAT CRIMINAL XXXX & XXXX EMPLOYEES OTHERWISE SO STATE. SHOULD THE DISTRICT NEED TO GO TO XXXX FOR OFFICE SUPPLIES-WHAT DO YOU TELL THEM ABOUT NOT BEING ABLE TO USE THE CHECKS TO PURCHASE SUCH THINGS AT XXXX? THIS YEARS CHECK IS FROM XXXX XXXX INDICATING NOW I AM AN ELDER/SENIOR CITIZEN. I'M GOING TO FILE A CFPB AS WELL AS A FCRA COMPLAINT. I DID NOT BRING THE CHECK OR THE INFORMATION PAPER PRINTED WHILE THE CHECK WAS DECLINED BY BOTH XXXX & XXXX. XXXX & XXXX needs to tell the District if they do not want to receive the funds of which the check is Made Payable to XXXX not to make them Payable to XXXX any more. Should XXXX here in XXXX need to continue to " blacklist '' & ostercize the XXXX district of which the check is issued from their XXXX XXXX headquartered in XXXX, SD of which the Tribes district also as the same City, State, zipcode from then XXXX mostly needs to let them know because XXXX also handles other vendors & the District needs to use the same checking accounts with other vendors like XXXX, XXXX XXXX XXXX, XXXX, XXXX, etc etc. XXXX has utterly destroyed such a thing for me out here.
11/16/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • AZ
  • 85021
Web
On XX/XX/2019 I wrote a check for groceries at our neighborhood grocery store. The check was denied despite the fact that there several thousand dollars in funds in the account. The merchant explained that they were following the recommendations of Certegy, a company they do business with for cashing checks. We have cashed checks at that merchant many times over a span of 15 years, and never had any problems with bounced checks or denials. I attempted to go to the specified Certegy webpage, and was unable to reach it. I called the phone number provided on the denial receipt. Those two approaches did not give me any information about how I could find out why they were recommending that my checks not be honored. But the denial recommendation was clearly related to credit information they were reporting to the merchant. I decided to try again the next day. But first I filed a request for my credit information held by all of the major credit reporting companies, and received and downloaded those reports the same day. None of the reports indicated anything inaccurate, out of date, or showed any credit history problems whatsoever. Because I continued to have trouble accessing the Certegy website the next day, I did a web search on Certegy, and was able to find out how to search information about my denied transaction online at the Certegy website. When I was finally able to do that search, it reported that there was no record of any denied transaction. I then filed a request for all information held by Certegy about me as required under the Fair Credit Reporting Act. I provided all of the information that they required about my accounts, tracking number, drivers license, social security number etc. When I received their report, it showed only the basic information about the denied transaction, but did not report any of the information upon which their denial recommendation was based. The reason offered for Certegy 's denial recommendation was that the transaction " did not meet the acceptance guidelines, which can vary by store and transaction. '' Brilliant! Their report provided nothing more than what I already knew from the denial notice, and certainly provided nothing actionable. I followed up with a second letter to Certegy, complaining that their report did not meet the requirements of the Fair Credit Reporting Act in that it failed to provide ALL information held about me, and did not therefore provide me with any opportunity to review and correct erroneous information they held which might have been the basis of their denial recommendation. Their response to my second letter was a form letter stating that they would be " unable to locate any data in our system.. .in order to forward you a consumer file disclosure report. '' I was instructed to provide " additional information '' to them - but the additional information requested was exactly the same information that I had provided in my initial request ( bank account numbers, tracking numbers, drivers license number, social security number, etc. ). It is clear that Certegy makes it unreasonably difficult for consumers to pursue their rights to review and correct their credit information. The actions of Certegy in our case have resulted in our inability to use our checking account with that merchant, which is our primary source of groceries, and with which we have a long history of doing business. In my view, Certegy is acting in violation of the intent of the Fair Credit Reporting Act, and I wish to file a formal complaint about their actions in our case.
02/12/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MN
  • 554XX
Web
Certegy Payment Solutions , LLC is trying to collect a debt I do not owe for a purchase I made through XXXX XXXX. Certegy Payment Solutions , LLC claims to be the owner of the debt. -XX/XX/XXXX : Check written to XXXX XXXX for {$8300.00} for a furniture purchase. -XX/XX/XXXX : Check was processed by XXXX XXXX XXXX Deposit ( XXXX XXXXXXXX 's Bank ). An encoding error was made by entering the amount erroneously as {$8300.00} ( {$.00} less than the check was written for ). -XX/XX/XXXX : Check was processed a second time by a separate entity, XXXX XXXX XXXX ( XXXX XXXX 's Bank ), for the correct amount of {$8300.00}. -XX/XX/XXXX : XXXX XXXX ( my bank ) reversed the second transaction since the check was already processed. Letter was sent from XXXX XXXX to me explaining the reversed transaction. Due to XXXX XXXX 's encoding error, they were paid {$.00} less than the check was written for. My Bank ( XXXX XXXX ) can not do anything about the {$.00} variance. XXXX XXXX must initiate the process of collecting the remaining {$.00} through XXXX XXXX 's bank. XXXX XXXX sold a debt of {$8300.00} to Certegy Payment Solutions , LLC. Certegy Payment Solutions has been trying to collect this debt since XX/XX/XXXX. Certegy Payment Solutions has also hired a separate debt collector, XXXX XXXX XXXX XXXX XXXX XXXX, who is also sending letters trying to collect this debt. In summary, XXXX XXXX sold a debt for an amount that was incorrect in violation of the FDCPA. Certegy Payment Solutions , LLC and XXXX XXXX XXXX XXXX XXXX XXXX are trying to collect a debt I do not owe in violation of the FDCPA. I am attaching these letters sent by certified return receipt mail : -XX/XX/XXXX letter to Certegy Payment Solutions , LLC -XX/XX/XXXX letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XX/XX/XXXX letter to Certegy Payment Solutions , LLC -XX/XX/XXXX letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XX/XX/XXXX letter to Certegy Payment Solutions , LLC I am also attaching 2 additional letters received from Certegy Payment Solutions after my last letter sent XX/XX/XXXX. Based on the content of these 2 letters it is clear Certegy Payment Solutions , LLC has all the documentation to prove I do not owe this debt. They are now crossing a line into harassment. -JXX/XX/XXXX letter where Certegy Payment Solutions , LLC is now requesting that I prove to them that the check I wrote has cleared my bank twice. This constitutes misleading and unfair debt collection practices since what they are asking for has not happened. The check cleared once, and XXXX XXXX has been paid. If the check cleared my bank twice, I would have paid twice the amount the debt was owed, and therefore XXXX XXXX would owe me {$8300.00}. -XX/XX/XXXX letter where Certegy Payment Solutions , LLC is ignoring a letter sent from my financial institution ( XXXX XXXX ) stating the check has been processed through my account. Certegy Payment Solutions , LLC has continually requested contact information for my financial institution, which I have provided. If Certegy Payment Solutions , LLC has an issue with the wording of the letter from XXXX XXXX, they should contact the bank, and confirm that XXXX XXXX has been paid.
09/24/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 45014
Web
this is the final complaint that I am going to issue before going to FBI/ oh attorney general 's office about this company XXXX XXXX who keeps committing a crime against me by refusing to update XXXX XXXX XXXX XXXX who was the Creditors info the credit union has sent to XXXX XXXX a total of 3 TIMES! XXXX stress that XXXX XXXX continues to ignore XXXX 's request in WRITTING to mark item PAID in full that is reflecting bad negative item on my credit report! I WILL NOT STAND FOR THIS. IT IS COMING TO CIVIL litigation SO BE IT! I NEED THIS TO STOP! THIS IS TOTAL DISCRIMINATION AGAINST me! XXXX XXXX once again for the third 3rd time!!!! is refusing to HONOR XXXX XXXX XXXX request in writing. XXXX has informed me mass times by phone and via email ( evidence attached ) that they have contact XXXX XXXX XXXX XXXX to let them know thousands of time to make a issue that was solved between the credit union and I PAID request to update my file mass times which is hurting me from opening bank accounts!. I have no idea what XXXX XXXX issue with me is ... but it needs to stop asap! -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- there is another XXXX company called Certegy Payment solutions XXXX. XXXX XXXX XXXX Florida XXXX? that is committing FRAUD in my name when in fact they keep insisting that I wrote a check to them to pay XXXX XXXX which I never wrote a check to this company XXXX initially? I always pay XXXX by debit card? I never wrote a check whatsoever to XXXX. these people keep saying that I wrote a check that did not clear with XXXX which is not on my bank statement at all yet keeps asking yet harassing my bank to give them info they do not deserve from my bank called XXXX. for the 3rd time again for these XXXX ... I have sent the necessary info as proof to this company called Certegy showing them I did not write a check to XXXX there is nothing on my bank statement to verify a check even being wrote evidence attached these XXXX XXXX contact the upper XXXX in my complaint, I am constant complaining about XXXX XXXX ... oh yes ... to post on my report that I did not pay the check of course XXXX XXXX XXXX post his unlawful mess from Certegy stating I did not pay the check to XXXX as well I sends current info of my back statement to both XXXX XXXX and of course once again they completely ignore the evidence and wants to ruin my credit saying different. I XXXX XXXX XXXX has included evidence of the checks and check sequences that I have and the bank statement for the month of XX/XX/2019 that Certegy claims I wrote the check in the month of XX/XX/2019 to XXXX which shows no activity! if I wrote any check you XXXX well better believe that a bank would have record of the check and the check number and date check was written! OOOK! PLEASE GET BOTH XXXX OFF OF MY BACK NOW BY MAKING THEM ACCEPT LEGAL DOCUMENTS THAT I AS WELL AS OTHER ORGANIZATIONS/COMPANIES PRESENT TO THEM AND LEAVE ME ALONE! I DEMAND ALL UPDATES TO BE LISTED AND SENT TO ME AS UPDATED info ASAP!
07/15/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 629XX
Web
On XX/XX/XXXX, someone fraudulently re-used one of my personal checks at XXXX 's in XXXX IL for over {$600.00}. A check original written and cleared, in XX/XX/XXXX to XXXX, was used by thieves. They erased XXXX stamped processing information, wrote in XXXX, printed the amount and forged my signature. A police report was immediately filed, ( no copy received yet - on going investigation ), the money has been returned to my account. I am one of the millions whose information was breached by Certegy several years ago and now they allowed or did not required id verification for my check written at XXXX at XXXX XXXX at night for over {$600.00}, but did have my driver 's license noted of RETURNED check on file. The money was returned within a few days to my account, with police verification of XXXX 's video that it was not me. However, XXXX 's or Certegy has been able to have my Driver 's license noted of a {$600.00} RETURNED check on my records, not a FRAUD check but a RETURNED check. I own several businesses, which this is now going to affect my credit, trying to renew any of my credit lines. I have been back and forth with XXXX and Certegy, with both stating I need to contact the other party. An innocent victim being treated like a ping pong ball trying to save her credit and business reputation. I own several businesses, have had a XXXX XXXX trying to protect all my credit cards, credit lines, loans etc, only to fall victim of fraud and am now being treated like a criminal. I am unable to write a check from my new account for groceries, because my Driver 's license number has been erroneously noted as RETURNED instead of FRAUD. This will impact ALL my business financial dealings. Due to the economy, we have already been struggling trying to maintain our credit rating, and now due to XXXX/Certegy allowing a fraudulent check be issued on my account, I am faced with having to fight to renew credit lines, vendor harassment because false information has been placed on my credit information. I am unable to obtain an attorney, until I receive the police report, which has been delayed due to on going investigation. I will be contacting an attorney for the harassment,, negative impact on my credit, personal/business embarrassment when the grocery clerk announced CAN'T ACCEPT CHECK YOU HAVE A {$600.00} RETURNED CHECK TAGGED TO YOUR DRIVER 'S LICENSE. At this time, I do feel XXXX/Certegy whoever is responsible for getting Returned tagged to my DL instead of FRAUD, is liable for my time off work, bills I'm having to pay late, harassment received trying to write a check, the negative impact its causing on my credit affecting both my business ' financials and hospital bills when I'm admitted for XXXX, XXXX XXXX XXXX and XXXX this has inflicted. What kind of sum do you put on that? I am demanding reimbursement of {$7500.00} which I believe is low, considering the impact XXXX/Certigy has had on me personall, financially, my businesses, etc.
02/05/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 762XX
Web Older American, Servicemember
Sirs ; On XX/XX/XXXX I attempted to write a ( good ) check at the local XXXX 's store to cover the cost of my purchase for {$2400.00}. My personal checking account had over {$15000.00} available. However, my check was denied by Certegy Check Services ( used by XXXX 's ), with no explanation given as to why. The employees at XXXX 's also had no information as to why I was denied. My wife then wrote a check ( {$2400.00} ) on her account which is in a different bank, in a different state, from mine. She had over {$40000.00} available in her account. Her good check was also denied by Certegy! No explanation given for the denial. We then had to leave the store, go to my personal bank and have a cashier 's check drawn up to XXXX 's ( {$2400.00} ) to cover the purchase. I then returned to the XXXX 's store and completed my purchase. This incident has caused me and my wife personal humiliation and embarrassment in front of several other customers and XXXX personnel. Not to mention the adrenaline fueled 'anger ' I suffered through for hours because of Certegy 's inexplicable actions. Not a good thing for a XXXX year old man with XXXX XXXX! I came home after this incident and called Certegy attempting to get an explanation from them. However, all I was able to do was 'talk ' to their automated phone service. Where I got no answers what-so-ever ( apparently designed that way ). Less than useless! The next morning, after little sleep, I called the XXXX 's store and explained the situation to a manager there. She also could not give me any information as to why a person who has NEVER written a bad check in his life, with more than sufficient funds in his checking account, was denied. Same result for my wife who also has an excellent credit rating, no history of bad checks of any kind, ever, and had more than sufficient funds in her checking account to cover the check. Absolutely no explanation from the XXXX ' store manager as to why my wife 's good check would also have been denied. I see on-line that Certegy has hundreds of complaints against them for the very same reasons as mine. I see that this has been going on for years and years. I see that Certegy has been sued more than once for the same issues as mine, and forced to pay millions of dollars to the victims of their illegal abuses. I see from the complaints, and from my personal treatment by Certegy, that they are STILL abusing innocent consumers who are simply trying to write a good check!! I have also learned that these inept actions by Certegy may result to dings on my credit-rating and to that of my wife. I write a GOOD check and because of Cetegy my credit-rating gets dinged? Certegy is used by many, many stores, not just XXXX. People are being hurt by their actions. Please deal with this humiliating, abusive company. Their ongoing abusive actions are illegal and are hurting good people! Thank you,
12/04/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • FL
  • 32177
Web
Dear Sir or Madam : I have sent numerous Certified letters to you ( copies of return receipts enclosed ), requesting that you remove inaccurate information on my Credit Report and you have failed to do so. Accordingly, I can show a judge the above aforementioned account 's are inaccurate and that you have willfully violated 15 U.S. Code 1681i : ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. Be advised that unless this matter is settled to my satisfaction within ten days of your receipt of this letter, I will file suite in XXXX Country Small Claims Court , asking for damages in the amount of {$1000.00}, plus court costs. Attached is the Complaint I will file unless I hear from you shortly. Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining careful records of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. In addishon u must send me a form that bares my sigenutre on this situation of all debt you calme or you are reporting that bares my sigenture if you fail to do so i will take you guys to court
10/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • WA
  • 98926
Web Older American
On XX/XX/XXXX at XXXX XXXX., I was shopping at the local XXXX XXXX store, located at XXXX XXXX XXXX XXXX, XXXX, Washington, XXXX. Usually when I shop at the store, I use my debit card to pay for my purchases, but occasionally, I write a check from our XXXX XXXX account, also located in XXXX, Washington. I have never before had a problem with writing a check and have been shopping there since the store was built in XXXX of XXXX. On this particular day, my check was declined. I was told that I needed to use another form of payment. I ended up using my debit card to pay for my {$300.00} in purchases, which I did not want to do as the person directly ahead of me in line had a severe XXXX or XXXX and sneezed all over the card reader. When I asked the clerk why, they said that they used the company XXXX to verify if a check is acceptable or not and that I could call the company directly by using the phone number listed on the receipt to find out why. I tried several times to speak to a human but got nowhere. It was an automated service that directed you to submit a request for your information on file to be sent to you, but no information was given as to how to find out specifics or to have errors corrected. The grocery receipt printout stated the following : Date XX/XX/XXXX, Time : XXXX, Check amount {$300.00}, Reference # XXXX, XXXX XXXX # XXXX, check # XXXX, We are sorry, but we are unable to proceed with your transaction. Our decision was based in whole or in part on information obtained from Certegy Check Services , Inc. Certegy provides authentication and risk management services to merchants and businesses nationwide. Certegy did not make the decision to take the adverse action and is unable to tell you the specific reasons why the adverse action was taken by us. Under the Fair Credit Reporting Act, you have the right to obtain a free copy of your information held in Certegy 's file, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information in Certegy 's file is inaccurate or incomplete, you have the right to dispute it with Certegy. You may reach Certegy at XXXX : toll free at XXXX, or write to Certegy Check Services , Inc. XXXX XXXX XXXX, XXXX, XXXX. We have used the same XXXX XXXX for a number of years, have maintained several thousand dollars in it for a number of months, have not ever been late on any payment, credit cards are for the most part paid off monthly, our home mortgage is paid off, we have a stable income, my XXXX score is over XXXX, and I recently inherited my fathers estate, which is substantial. I can not for the life of me understand why my check was declined. Any help with this would be very much appreciated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Cell phone : XXXX Email : XXXX XXXX
03/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • TN
  • 37167
Web
Non-Compliance of FRCA/GLBA On the evening of Tuesday, XX/XX/XXXX, I went to my local Grocery store, XXXX 's XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX. I purchased {$240.00} of various items. I mistakenly wrote the check for {$280.00} and before handing it to the cashier, noticed my mistake, and the cashier said no worries and he would return {$40.00} to to me in cash. Upon running the check, against XXXX 's check processor 's database, Certegy Payment Solutions LLC, XXXX XXXX XXXX, XXXX, FL XXXX, the {$280.00} was suggested by Certegy ( who guarantees the check amounts that XXXX receives in the course of business ) recommended to XXXX, that the check I had written should not be accepted. All the while, I had more than a funding balance in my checking account. After about an hour of embarrassment and the speculation of being a fraudulent check writing criminal, I decided I would re-write the check for the exact amount of XXXX, which surprisingly was processed and authorized by the Certegy algorithm, no problems. It was printed on my XXXX receipt the consumer rights of the FRCA as well as the contact information for Certegy check processor. As such, that evening, I requested by ( self-service phone call ) my consumer file from Certegy, and received by mail a consumer file disclosure on XX/XX/XXXX, which indicated " No Information on File '' for the Past 24 months and which included 5 pages of FRCA and other " consumer rights. '' Upon two phone calls with Certegy, on the evening of XX/XX/XXXX, the agents of Certegy, did not know the difference between a complaint and a dispute. It was also denied any affiliation with FRCA or credit services because they were only providing " check processing '' and using my Personal Identifiable Information to asses risk. Basically, being told that FRCA does not apply to them, as it was a consumer 's personal bank check. This includes using my drivers license number, bank routing and account number. When asked, they did not provide my credit score, nor could they provide specifics as to why one check was good, and the other was bad. They also informed me there is no guarantee that it wont happen again. I believe their decision to deny my personal check was without merit or cause. As such, I believe both my privacy and consumer rights have been violated by this " automated '' algorithm, insufficient data, and non-compliance with consumer protections. The embarrassment and electronic notification suggesting to the retailer that my personal check was bad, and not authorized or that of being a fraudster is unacceptable. I believe my both my privacy rights and consumer rights have been violated under FRCA and GLBA.
07/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • TX
  • 75248
Web Older American
XX/XX/23 - I attempted to cash a check at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Amount of check was {$55.00}. Certegy Payment Solutions LLC, contracted by XXXX issued a decline recommendation, so the check was rejected. I was provided with a cash register printout which stated, in part : " ... Certegy did not make the decision to take the adverse action and is unable to tell you the specific reasons why the adverse action was taken by us. Under the Fair Credit Reporting Act, you have the right to obtain a free copy of your information held in Certegy 's file, if you request it no later than 60 days after you receve this notice. ... '' I immediately contacted Certegy at the phone no provided ( XXXX ) and made a formal request for a copy of the information held in Certegy 's file. I was told the information could only be provided in writing. I made the request. On XX/XX/23 I received written correspondence from Certegy and the only information they provided was that the transaction did not meet the acceptance guidelines which can vary by store and transaction. There was nothing that applied specifically to me, the check or the transaction. I then called Certegy at the phone no on the letter ( XXXX ) and was placed in touch with XXXX. I tried to get more specific information but she could not tell me anything other than " it didn't meet the acceptance guidelines '' but refused to tell me what were the guidelines, or how my transaction failed to meet the guidelines. All she could tell me was that there was no adverse information about me in their files, but would not provide me with a copy of my information held in Certegy 's file. She told me the guielines were XXXX 's. I asked her how could Certegy make a decline recommendation if they don't know XXXX 's guidelines. She replied with a programmed response that my check didn't meet the acceptance guidelines. She suggested I try to cash the check again. Today ( XX/XX/23 ) I returned to XXXX XXXX # XXXX, attempted to cash the check again, and received the same rejection. The manger at XXXX couldn't give me a reason for the rejection and informed me that the decision was Certegy 's. I feel that I should be entitled to a reason that my check was rejected, so that I know whether I've been scammed, am the victim of identity theft, or will be able to write checks on that account in the future. I do not believe that the information provided by Certegy was a complete copy of my information held in Certegy 's file, as I requested and is required under the Fair Credit Reporting Act.
11/03/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 31419
Web Older American, Servicemember
XXXX XXXX XXXX. XX/XX/2021 XXXX XXXX XXXX XXXX, GA XXXX Dear Customer Relations : XXXX XXXX XXXX I XXXX XXXX, am addressing this correspondence to your Department regarding and incident and service that occurred at your XXXX XXXX XXXX XXXX # ( XXXX ) in XXXX, GA XXXX on XX/XX/2021. Upon initially entering your facility, I proceeded to your appliance area, whereby looking for a sales associate to inquire about the XXXX XXXX. Not alone, others and myself waited for a brief time after another associate ( a custodian ) had a page implemented for help to assist us. Approximately and additional twenty minutes went pass when the Manager arrived and apologized for the wait. She then appointed a young man to assist myself and the gentleman waiting on your cash and carry product appliances for his rental properties. My dilemma begins after inquiring about the XXXX XXXX XXXX he informed me that delivery would take place between XX/XX/XXXX or XXXX of the month. He then entered the computer and placed the order in the appliance department and there after we proceeded to the customer service area where I then wrote to your establishment a check # XXXX for the amount of {$2400.00}. at approximately XXXX XXXX. Upon arrival at home, I began to look at the receipt of sale and noticed the model number did not coincide with what I had been viewing on the website of other stores within the area XXXX, XXXX XXXXXXXX XXXX Upon going to the XXXX site, I then come to the conclusion that the wrong product had be ordered for my household. Upon returning to the store to correct the discrepancy on XX/XX/2021 I encountered XXXX XXXX and associate in the appliances area and she began to attempt to locate the order from the receipt and informed me that I would need to go back to your customer service department and get a refund. Upon presenting my request to the attendant in that department, she informed me that the check # XXXX had already been submitted and that I would have to receive a refund in appoximedtly five seven business days after the cancellation of the order. Instead to avoid another trip, I then contacted my XXXX XXXX XXXX XXXX and initiated the stop payment on XX/XX/XXXX on that morning after speaking with customer service. That brings this matter to your collection Department Source which I have no relationship with prior to this ordeal. CERTIGY PAYMENT SOLUTIONS, LLC... PLEASE I look forward to speaking to someone from your department. My contact information is email and telephonically XXXX ( XXXX ) XXXX
11/03/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 31419
Web Older American, Servicemember
XXXX XXXX XXXX. XX/XX/2021 XXXX XXXX XXXX XXXX, GA XXXX Dear Customer Relations : XXXX XXXX XXXXXXXX I XXXX XXXX, am addressing this correspondence to your Department regarding and incident and service that occurred at your XXXX XXXX XXXX XXXX # ( XXXX ) in XXXX, GA XXXX on XX/XX/2021. Upon initially entering your facility, I proceeded to your appliance area, whereby looking for a sales associate to inquire about the XXXX Refrigerators. Not alone, others and myself waited for a brief time after another associate ( a custodian ) had a page implemented for help to assist us. Approximately and additional twenty minutes went pass when the Manager arrived and apologized for the wait. She then appointed a young man to assist myself and the gentleman waiting on your cash and carry product appliances for his rental properties. My dilemma begins after inquiring about the XXXX XXXX XXXX he informed me that delivery would take place between XX/XX/XXXX or XXXX of the month. He then entered the computer and placed the order in the appliance department and there after we proceeded to the customer service area where I then wrote to your establishment a check # XXXX for the amount of {$2400.00}. at approximately XXXX XXXX Upon arrival at home, I began to look at the receipt of sale and noticed the model number did not coincide with what I had been viewing on the website of other stores within the area XXXX, XXXX XXXX etc. Upon going to the XXXX site, I then come to the conclusion that the wrong product had be ordered for my household. Upon returning to the store to correct the discrepancy on XX/XX/2021 I encountered XXXX XXXX and associate in the appliances area and she began to attempt to locate the order from the receipt and informed me that I would need to go back to your customer service department and get a refund. Upon presenting my request to the attendant in that department, she informed me that the check # XXXX had already been submitted and that I would have to receive a refund in appoximedtly five seven business days after the cancellation of the order. Instead to avoid another trip, I then contacted my XXXX XXXX XXXX XXXX and initiated the stop payment on XX/XX/XXXX on that morning after speaking with customer service. That brings this matter to your collection Department Source which I have no relationship with prior to this ordeal. XXXX XXXX XXXX XXXX... PLEASE I look forward to speaking to someone from your department. My contact information is email and telephonically XXXX ( XXXX ) XXXX
11/14/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Cashing a check
  • IL
  • 628XX
Web
This is additional information I want added to my current complaints # XXXX, XXXX and XXXX against XXXX XXXX XXXX aka Certegy and XXXXXXXX XXXX XXXX! Not only did they steal {$25.00} fraudulently from my XXXX checking account under the name of XXXXXXXX XXXX XXXX on XX/XX/XXXX for a NSF fee on a check that was NEVER a NSF, it was paid on the second attempt when XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, presented it a second time, then a week later Certegy steals this {$25.00} from my checking account!!! On top of these two and the company working together to commit fraud and steal from customers, they then flat out LIED to the CFPB and XXXX XXXX!!! They told the CFPB they did not receive this fee and had resolved all on their end, XXXX XXXX XXXX!! Then when I saw it had been taken from my account, after the CFPB gave me this response they gave them, I filed a dispute with my bank XXXX XXXX which I had to contact corporate over and file a complaint to get done, then XXXX their investigator, allowed them to keep the funds claiming it was legitimate after she ignored two of my phone calls and then sent me a short note stating this!!!!! All of the banks are in cohoots allowing this illegal activity!!! Then I get the report from Certegy showing a list of checks that were paid when I wrote them in the past that were NEVER NSF 's either along with them showing a resolve on a check ( # XXXX for {$30.00} to XXXX XXXX XXXX on XX/XX/XXXX ) that was NEVER a NSF, this is the one I am disputing with this claim and also showing on XX/XX/XXXX XXXX # XXXX ( which was never even used, as I always prepay my gas and they declined the check at XXXX XXXX XXXX in XXXX IL that day and they show this duplicated and not authorized claimant with a code 5 which means possible bad check and I had plenty of money in my account and had no bad checks out nor had I had any!!!!! ) I want all of these removed from my report now and I want all of this information handed over to your investigators and the FTC for prosecution, these idiots NEVER learn they were just fined billions a couple of years ago by the FTC for the same!!! I am also contacting a lawyer about all!!! I also want my {$25.00} they stole from my checking account reversed by XXXX or they will be included in the lawsuit. I also want the FDIC notified of all. I have already filed a complaint with the FTC and will contact the FDIC myself tonight too!!!! XXXX XXXX XXXX XXXX
04/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MN
  • 55347
Web
On XX/XX/2023 I began a dispute issue with target credit in order to fix a problem with linking my bank account information to an auto pay service for my credit card. The company informed me that they utilize Certegy to verify and they had incorrectly flagged my new account as fake. XXXX has since allowed me to mail in a form to bypass the broken process Certegy has in place but I requested in a previous complaint to clear my name as their file shows multiple failed attempts to link my account ( incorrectly showing as {$1.00} transactions when they were testing the account ). My account is working fine after Certegy was bypassed. Certegy just mailed me a letter dated XX/XX/XXXX with case # XXXX telling me Certainty has completed its investigation Have been unable to verify the reason for the unable to locate response provided by early morning services You may request certainty, initiate another dispute For further information, please contact Certegy at XXXX. My request from the beginning was to clear my name. Since the information that you have on file is not accurate and you are now telling me, it is not even able to be researched, my request is simply to have it wiped clean. I contacted you by telephone and after your representative demanded I provide my drivers license number which you dont even have on file, I did so and was told to hold. The representative hung up on my and I am not able to obtain any answers on why my request to remove incorrect information was ignored once again. The CFPB needs to start a legal case in collaboration with government partners as Certegy is refusing to follow procedures, previously lied to me and told me I could not dispute, and now tells me that they are unable to verify the reason and to open yet another dispute claim. Consumers should not be sent in circles and companies like this should be shut down as they are not acting in the best interest of the citizens of this country. I would request that Certegy mail me a copy of a new disclosure showing that my account information was successfully removed and that no inquiries, transactions, or other information exist that may complicate future transactions, which are legitimate and have been proven by target being able to link to my account directly. I have never bounced a check, this was never even a purchase, and this company has made it a hellish task to attempt to clear my name.
12/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • TN
  • 37620
Web Older American
I am not sure this is the right category to file this under and please correct it if wrong. I went to XXXX on XX/XX/XXXX to buy my son a XXXX present. I wrote a check in the amount of {$170.00} The cashier ran it thru the check approval system and it was DECLINED. I said please run it thru again as the is impossible. I have over {$5000.00} in my checking account and a credit score of XXXX and have never had a check declined in my life It was declined again and I was given a printout about why. It was a company called CERTEGY. I was embarrassed and humiliated by this episode in front of all in line. I called the number given but could not talk to a real person only an automated system which when given the information only confirmed the denial with no appeal and it was final. I write checks all the time with no problem and now can not get answers. I have called and called and the same thing happens Only reason given on the paper was code 2 which is ridiculous as it states Certegy Deny Code 2 Lack of History Deny Code 2 is the most common reason for a merchant to deny a check. This code is less an indicator of fraudulent activity from the check-writer and has more to do with potential risks from the merchant in the past and other locations nearby. The most common reason this code gets triggered is when a writer has little to no history of writing checks or the behavior is out of the ordinary. If you dont use checks normally and decide to use one to pay for a new expensive item, this code may pop up due to its abnormality, though specifics are not released. I have wrote checks since XXXX and have had my present account for over 20 years and write checks all the time. There is no reason for this I went to my bank and asked if there was a problem there and they were incredulous. I filed a complaint with XXXX and XXXX. I have faxed Certegy many times now and no one is responding to my complaint and why this has happened as there is no way this should have occurred. I saw many complaints online against Certegy for this same issue. This needs to be stopped and this company shut down. I want an apology from both them and XXXX and this issue resolved and assurances that this will never happen again.
05/27/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Managing, opening, or closing your mobile wallet account
  • FL
  • 32128
Web
I currently have a XXXX credit card which I use to purchase items. I have tried on multiple occasions to add my XXXX Bank account information to my wallet and every time I get an error message that states the routing number can not be accepted. Furthermore, I tried to send a check payment for the outstanding balance from my XXXX Bank account, and it was rejected as well. I submitted multiple customer service requests to XXXX to understand why they do not accept my payments. In communicating with XXXX, they let me know that they do not control the routing number tables and the verification used for payment processing. They use a company called Certegy to do their payment processing and verification, and that I need to speak to Certegy about resolving the problem. I reached out to Certegy and submitted a ticket. The ticket was never resolved and a tier 1 agent reached out to assist. The tier 1 agent said someone would get back to me in a day to resolve the issue. It has now been more than 2 months with no call back. I did call back multiple times asking to speak with a supervisor regarding the issue, but I was always told I would get a call back but never have. Furthermore, I contacted my bank, XXXX Bank to better understand the problem and after further research they sent me the following communication to send to Certegy. It read as follows : " RE : VALID ROUTING NUMBER NOT RECOGNIZED BY YOUR COMPANY - XXXX Bank 's routing number is XXXX has been active in the Fed Routing Tables since XX/XX/2021. We received notice from our customer that your company does not recognize this information. The routing number can be verified at XXXX XXXX XXXX using the E-Payments Routing Directory. This routing number can be used for any Fed ACH transaction. We encourage you to update your records to allow your clients to use this active and valid routing number. '' Based on my understanding, Certegy needs to update their routing tables with XXXX Bank 's routing number so that XXXX and other large corporations can accept payments from XXXX Bank which is a publicly traded company and billions of dollars in customer funds.
12/10/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33054
Web Servicemember
On XX/XX/XXXX, I attempted to cash a check at XXXX store, but it was denied and I was given a print out advising to call Certegy for more information. On XX/XX/XXXX, I called Certegy and requested a Consumer File Disclosure Report. Upon receiving the report, I observed on XX/XX/XXXX, check # XXXX for {$350.00} written to XXXX Stores was never paid, reporting source is XXXX XXXX XXXX XXXX with contact information ( XXXX ) XXXX. On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX and spoke to Representative, XXXX XXXX, which advised their company no longer holds that debt, and that I should notify XXXX Stores customer service ( XXXX ) XXXX. At that time, I notified Certegy Payment Solutions at ( XXXX ) XXXX to enter a dispute for nonpayment of check # XXXX for {$350.00} at XXXX Stores. On XX/XX/XXXX, I spoke to a representative at XXXX Stores customer service which advised check # XXXX for {$350.00} is, currently, an outstanding debt and that i need to make contact with XXXX XXXX XXXX to make a payment. On XX/XX/XXXX, I made contact with XXXX XXXX XXXX, spoke to Representative XXXX XXXX, and made a credit card payment of {$400.00} with a processing fee, included, confirmation # XXXX. In addition, knowing in my gut that I had already paid this debt, I notified my financial institution on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Representative, XXXX, advised check # XXXX for {$350.00} was paid on XX/XX/XXXX via draft check from XXXX XXXX XXXX XXXX XXXX Texas. On XX/XX/XXXX, I called XXXX XXXX XXXX and spoke to Accounting Representative, XXXX XXXX, to advise him of this information and he advised me to email Accounting Supervisor, XXXX XXXX at XXXX with the proof of payment. On XX/XX/XXXX, I emailed XXXX XXXX the portion of my XXXX bank statement that represents the payment of {$350.00} on XX/XX/XXXX and a copy of the canceled draft check from XXXX XXXX XXXX XXXX XXXX Texas. On XX/XX/XXXX, Mr. XXXX, advised via email that a refund is being sent to me by mail. Please take the time to investigate this matter. This is an attempt to erase a paid debt. I am looking forward to hearing from you. Thank you, In advance.
12/25/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 481XX
Web
Tuesday, XX/XX/2018 On attempting to pay for an item at Michigan 's XXXX XXXX XXXX in XXXX on XX/XX/2018, Monday, my check was declined. No explanation was given. What confounded me was the fact that I was able to complete a purchase with a check approximately one hour previously, at the Michigan 's XXXX XXXX XXXX in XXXX Michigan. I immediately contacted my financial institution and was told there was nothing wrong with my checking account ( as expected ). I have excellent credit and certainly had the funds to cover the check, so I went online to inquiry from the company that XXXX XXXX uses to certify check information : https : //www.askcertegy.com/CheckSearch.jsp After entering my complete information, it said it could not find the check!? Upon further investigation, I find that I'm not the only person whose check was rejected without warrant. https : //www.consumeraffairs.com/finance/certegy.html Here is the information that was provided on my receipt after purchasing the item with my credit card ( which was approved ) : " DEAR XXXXXXXX XXXX CUSTOMER : We are sorry that your check could not be authorized. This decision was based, in whole or in part, on infor mation provided by Certegy Check Services. Inc. Pursuant to the Fair Credit Reporting Act. you have a r ight to a f ree copy of your file ( i.e. Consumer Report ) from Certegy for a period of ( 60 ) days following the date you receive this notice and you also have the right to dispute the accuracy or completeness of any i n f o rma t i o n i n t h e fi l e. I n i t s r o l e as a consumer reporting agency. Certegy did not make the decision not to authorize your check and is unable to provide you with the specific reasons why this action was taken. However, in its role as an author ization service for our company. Certegy can provide information to y o u. To r e c e i v e t h i s i n f o rma t i o n o r to obtain a copy of your file, please cal1 : Certegy Customer Care Line at : XXXX o r w r i t e XXXX XXXX XXXX XXXX. FL XXXX THANK YOU FOR SHOPPING AT XXXXXXXX XXXX! Please investigate this company " CERTEGY '' Thank you
11/26/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • CA
  • 93308
Web Older American
I wrote a check XX/XX/XXXX, # XXXX to XXXX for {$110.00} which cleared my bank XX/XX/XXXX. XXXX ran the check 3 times. As a result I was denied a purchase at XXXX several days later as Certegy Check Services stated I had negative information on file for prior unpaid checks. I called them to find out what it was about. They said check # XXXX to XXXX had not cleared. I told them it had cleared my account. They wanted proof from my bank. I went to XXXX XXXX XXXX XXXX XXXX and had the Asst. Branch Manager fax a letter to Certegy stating the check in question had cleared on XX/XX/XXXXand my acct. was in good standing. They still would not remove the negative info from my file stating that it would take weeks for an investigation. I asked how am I suppose to purchase food and medicine and they advised me to go the bank and get cash as checks would be denied. So, after calling Certegy many times over the next 6-7 weeks to check the status, I finally received a letter showing all the checks I had written the past two years, and none bouncing, but showed the 3 attempts of XXXX running my one check. The letter also stated that the matter was " resolved and this means that it will will not cause denial of check writing privileges. '' I have been using a new debit card since this mishap started as I was afraid of being embarrassed again at a register trying to make a purchase. Today I didn't have my debit card so tried to make a purchase with my check. I was denied again. Came home and called Certegy and was told I am a risk by first agent. The second agent said it was cause I hadn't written checks for a while, which they told me to use cash. Then I was told in might have been the amount of the check ... {$70.00}. Funny as the same place previously took a check for {$69.00} before all this happened ... I did nothing wrong. XXXX had trouble with their register and kept running my check ... Now I am paying the price. I want my account cleared!
12/20/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91361
Web
I received a letter on XX/XX/2022 from XXXX XXXX XXXX in New York referencing a debt owed to Certegy Payment Solutions LLC, Reference number XXXX, Certegy XXXX XXXX XXXX. The letter references a payment made by me to XXXX XXXX on XX/XX/2022 with a check for {$7.00}. I know this check cleared from the statement I have from my bank. My bank has also provided me with a letter confirming the check and amount cleared. When I explained this to XXXX they referred me to Certegy. When I spoke with the representative at Certegy I was told I had to give them my driver 's license or some other form of government ID. This is personal and private information and I have no way of knowing this company is not perpetrating a fraud. On XX/XX/2022, I sent a certified letter to XXXX letting them know that my bank shows the check had been cashed. Additionally I contacted the XXXX company telephone number on my statement and they confirmed that the check had cleared. It appears to me from the response XXXX gave to the CFPB that they are no longer servicing this account and I should contact Certegy for further information. I contacted Certegy at the number provided by XXXX XXXX and asked them for an address where I could forward all the relevant paperwork including the letter from my bank stating the check they claim is outstanding has actually been paid. Certegy insisted they need my driver 's license but they are not willing to provide a physical address where I can mail all the information I have which clearly shows there is no payment outstanding to XXXX XXXX. Kindly have them provide a legitimate mailing address so I can forward the letter from the bank showing this payment was withdrawn and no debt collection is required by them. There are retail companies that rely on Certegy for clearance when a consumer makes a check payment. Since I write checks for my personal expenses, it affects my ability to shop at certain stores!
06/09/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • MI
  • 483XX
Web
Tried to pay for groceries at XXXX, a store I have been shopping at several times a month since it opened in approximately XX/XX/XXXX, on XX/XX/XXXX with a check for {$190.00}. Check was declined based on information provide by Certegy. Manager resubmitted check, it was again declined. Only recourse offered was to contact Certegy. Cashier said I could use a debit or credit card instead. Used online consumer contact form to email XXXX Customer Service. Response labeled as case number XXXX said they had forwarded my complaint to the store manager. Since the manager is the one who stomped away from the cash register after curtly telling me my only recourse is to contact Certegy, I consider this a brush off. Case tracking number is XXXX. Used phone request system to request my file from Certegy. Received the file stating there were two attempted transactions in the past 24 months with their firm, both of them for the one check I attempted to use at XXXX. There are no declined items on file. The reason code provided is XXXX, which states basically that they will not tell me why they declined it. There is no appeal of their decision and no way to make sure they allow checks to go through anywhere they provide check authorization services. Tracking number is XXXX. Did research on the internet. Apparently Certegy takes into account only people who use checks at companies that use Certegy 's services. They have no visibility into a customer 's credit worthiness or prior bad checks, and so are apparently declining based on whim. I have not bounced any checks, do have money in the bank, and do have a decent credit rating. The bank account on which my check was drawn is one I have done business with for over 10 years. Have contacted my State 's Attorney General, the Federal Trade Commission, Certegy, XXXX and my bank regarding this issue.
05/30/2019 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Problem with customer service
  • GA
  • XXXXX
Web
The company Certegy is restricting XXXX from cashing my check, and they will not change their decision or explain in detail why. On XX/XX/XXXX, I tried to cash a check that was a little under {$200.00} at XXXX. The cashier told me that it was declined, and that I needed to contact Certegy. That same day I contacted Certegy and I spoke to a representative named XXXX and then to her supervisor named XXXX. They both told me that my check was declined for a combination of three reasons : amount ; check series numbers ; and/or check history. The amount was under {$200.00} dollars, so that can't be it. The check series numbers are just numbers for routing and account numbers from a very reputable company, so that can't be it. Lastly, I have cashed my payroll check from the company I work for at other check cashing places many times within the last 4 years, so that can't be it either. Both of the representatives at Certegy also mentioned that they would not be changing the decision, and that the decision was final. Below is additional information : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XX/XX/XXXX XXXX XXXX : XXXX, Check XXXX, Bank # XXXX XXXX, Account # : XXXX, Check Date : XX/XX/XXXX, Check # : XXXX, Reference # : XXXX XXXX Representative : XXXX, XXXX Supervisor XXXX XXXX It should be quite obvious at this point looking at the history of complaints for Certegy and the FTC successfully suing Certegy for {$3.00} XXXX dollars in XXXX that this company is corrupt from the top down, and that they do not plan on changing. They clearly do not have good intentions, and most importantly, they are picking on the poor. It is very simple ; revoke their financial license permanently and get rid of them permanently. They are not a national bank, so you do not have to keep them around or allow them to continue to operate. GET RID OF THEM!!!
10/28/2019 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • KY
  • 423XX
Web
I was contacted by XXXX XXXX about a {$200.00} transaction at XXXX XXXX they say chk was returned. I called XXXX XXXX back during the beginning and they said they had no knowledge of any check. I called them back, and ask for check, they said theyd get me chk and it never showed up. About 6 months later, the same sequence of events, still no proof of chk and my bank said no return chks on acct ever in 20 plus years of its existence and that I also have overdraft protection and a return chk would not have happened. I told the collector that and he said Certegy had guaranteed money and they picked up check. So I called their office and after taking both our bank acct numbers and SS # s and past two addresses, they could find no history of us in their system at all. So I called collector back again and said Certegy has no record of us, and they say you are not a debt collector for them and the collection guy said they sold you to us and I said they have no such record. He says they wouldnt, do I called again and they them reported history is part of the service they provide and they would have history of cold check. So when I called and told him that, he said you dont know what your husband is spending money on or where hes bouncing checks. Then he called my husband and said we have your drivers license number on chk we know it was you. He said great, then send us a copy and well get that check cut to you today. All we are asking for is some type of proof beyond your word. He hung up on him and said Im not going away, we dont settle debt, we collect it. Ive sent them an email telling them we need proof Of something beyond being badgered to death. We have never floated a check anywhere, its not in my financial history, and if I thought I owed this, Id be happy to pay it. All Ive ask for is a copy of a chk.
08/11/2021 Yes
  • Money transfer, virtual currency, or money service
  • Money order
  • Fraud or scam
  • TX
  • 754XX
Web
XX/XX/21 2 Money Orders - XXXX purchased at XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX XX/XX/21 Refused to cash the very same money orders - XXXX that were purchased with cash there 3 days earlier citing CERTEGY DECLINED but that CERTEGY did not make the decision for declination! XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX Furthermore, THERE IS ABSOLUTELY ZERO HELP to be found when calling the number on the " disbursement receipt '' with the declined transaction ZERO! No possibility of talking to a human that I can find in any way. I have searched the internet and called every possible number found with ZERO help. 3 of the numbers I found are for the 3 credit reporting companies! I HAVE EXCELLENT CREDIT and feel they have jeopardized my safety! This is rent money owed to me that is a one time thing to get it through money order. XXXX has the CASH paid for the money orders, {$1300.00}, but will not give it to the PAYEE, ( ME ) even with proper identification. This is absolutely insane especially considering these were purchased RIGHT AT THE SAME DESK that DECLINED TO CASH THEM! I AM ALSO VERY UNCOMFORTABLE that they REQUIRED ME TO ENTER MY SSN in the automated machine for this! WHY do they need my SSN? I knew better than to put that in but she said they wouldn't cash it if I didn't so I put in my SSN. Now I am very concerned of what this SCAM and FRAUD company will do with my information. I completely expect to see some bad hacking or something else negative on my credit report shortly because of this INSECURE CERTEGY COMPANY and PROCESS! I FEEL VULNERABLE AND VIOLATED and that my excellent credit are at a huge risk now because of CERTEGY AND XXXX because of trying to cash a MONEY ORDER at XXXX in XXXX, Texas! HORRIBLE and INSECURE FEELING!
03/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 926XX
Web
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. XXXXT ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
03/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MT
  • 59718
Web
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. XXXX - XXXX XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
07/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • KS
  • 66061
Web
Certegy operates as an FCRA restricted enterprise that controls access to check cashing services. I attempted to cash my payroll check at my local XXXX. ( I have direct deposit but my hours were not submitted by my supervisor and so the corporation had to cut me a paper check and overnight it to me. I was given a printout with information to follow up with Certegy. Their reason for the denial : " This transaction received a decline recommendation from Certegy because it did not meet the acceptance guidelines which may vary by check cashing location and transaction. Factors may include a combination of : the check number, dollar amount, check cashing history, or other transaction details. Although this recommendation is final, we will evaluate all future checks at the time they are presented. Another option to cash this check is to visit the financial institution listed on it. '' In other words, we're not going to let you cash your check because we said so. There is not immediate access to obtain this cryptic information. I have only had one odd check cashing experience. My doctor 's office resubmitted my office visit account information because I have secondary health insurance. The office sent me 15 separate checks in mostly {$40.00} and some {$20.00} denominations. There were approximately 15 checks. I attempted to use my phone apps to deposit in my XXXX and XXXX card accounts. Both refused the checks I received from my doctor 's office. Ever since, I've had trouble with cashing checks. My complaint is the cryptic nature of the denial information available from Certegy. They hide under the guise of FCRA but don't operate with any transparency and have no means of appealing their determination.
07/05/2021 Yes
  • Money transfer, virtual currency, or money service
  • Traveler's check or cashier's check
  • Problem with customer service
  • NC
  • 28277
Web Older American
RE : Complaint against Certegy , Inc. for declining a legitimate and duly verified check of XXXX XXXX XXXX, XXXX and other Bank for a small amount of {$6.00}. ( In spite of having sufficient balance in the checking accounts. Esteemed Mam/Sir, On XXXX, 2021 at XXXX XXXX I went to buy groceries a the local XXXX XXXX store ( Store # XXXX ) XXXX XXXX XXXX, XXXX, NC. My bills was for {$6.00} cents and I did use my credit card and instead wanted to make payment from checking account by presenting a check for groceries payments. My check was declined by the XXXX store cashiering machine saying that Certegy Check Services, NC identified my check as invalid and fake and refused so accept as a mode of payment for my groceries. Being a public holiday I had to call certifying and it took me an hour to finally reach a customer service representative. Despite giving all needed information and my drivers licensees numbers, social security numbers and personally identifiable information both on the automated system as well with the customer service representative, they refused to accept my legitimate XXXX XXXX XXXX, XXXX check. I tired to use my another bank account and that too was declined in the similar fashion. This happened despite both my accounts having adequate money and despite showing the account balance on the banks mobile apps. In view of this Certegy, Inc not providing no explanation for the reason of decline of my legitimate bank issued check, and deliberate harassment and, discriminative attitude in decaling a legitimate bank issued check, a strict actions should be taken otherwise these companies will continue to harass and discriminate against older citizens without any reasons.
08/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • IA
  • 520XX
Web
I wrote a check to XXXX XXXX and had it was declined. I was shocked as I have had my account for almost 20 years and never had a returned check. When I called Certegy, the company used by XXXX XXXX to " approve ' the check, I was unable to reach a live person for a response. I then went online and the response indicated there are several factors and that ultimately XXXX XXXX is responsible for the check cashing guidelines set ; however, I could obtain 'more information ' but they would need items such as my social security number to provide that. My social security number was not used in making this transaction/decision and should not have been a factor or needed to provide a response. I then contacted XXXX XXXX and requested a written copy of the guidelines set by their company and was unable to obtain a copy. XXXX XXXX indicated that Certegy for was wholly responsible for the guidelines set. As previously stated, Certegy 's response was vague and did not provide guidance related to the specific reason for denial and how it pertained to my prior check writing history. Certegy ultimately put responsibility back on the retailer. I did not consent to Certegy obtaining any of my personal information so it is unclear what information they used and how it was used and I did not feel comfortable providing information that I did not provide to make the check writing decision so that they could provide additional information. My prior history writing checks at XXXX XXXX, the length of my deposit account and my check writing history would not be a reason for denial as I have never had a returned check to XXXX XXXX or on my account. Certegy Reference # XXXX Date XX/XX/2023
02/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 79938
Web
I am writing to inform you that you are in direct violation of the Fair Credit Reporting Act ( FCRA ) for reporting information about my account without my consent. The specific laws that you are violating are listed below in this notarized letter, according to the Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ) laws, rules, and regulations. No one has received my written or oral consent to publish any transactions to my consumer credit report, which is a violation of 15 U.S.C. 1681 ( a ), which states that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both. In accordance with 15 U.S.C. 1681a ( d ), the term " consumer '' means an individual and the term " consumer report '' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for credit or insurance to be used primarily for personal, family, or household purposes, or for other purposes authorized under section 1681b of this title. I demand that you email me a copy of my consumer report you have in file immediately since this will be the second time I ask for this and have yet to receive it. I have provided my license and paystub for immediate response.
09/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Identity theft protection or other monitoring services
  • Problem with product or service terms changing
  • KY
  • 405XX
Web Older American
Please see CFPB complaint XXXX which was closed after Certegy represented that it would provide me with the requested information. It did not. Again, this dispute began when I tried to make a purchase from the XXXX calogue. After Certegy rejected my check I attempted to obtain an explanation for its actions by calling their phone line. I thereafter contacted the website. Finally, I contacted Certegy in writing. On each occasion Certegy refused to provide me with an explanation for its adverse action unless I disclosed my Social Security Number and Driver 's License Number, neither of which were available to Certegy at the time it rejected my check. Certegy continued to demand the unrelated PII in response to my complaint with the XXXX XXXX XXXX. Finally, after my CFPB complaint pointed out that it appears that Certegy is randomly rejecting checks in order to collect a PII data base, Certegy purportedly agreed to provide me with an explanation as to why it rejected my check. However, Certegy 's explanation is meaningless, advising me that the rejection of the check and interference with my financial transaction with XXXX could have been based on " the check number, dollar amount, check-writing history or other transaction details. '' Such a response, along with Certegy 's assurances to CFPB that it would provide me with an explanation as to why my check was rejected makes a mockery of the Complaint process. If it is not within the CFPB 's jurisdiction to investigate Certegy 's misconduct, I would be grateful for a referral to the appropriate agency.
09/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 70458
Web
RETALIATION by XXXX against consumer file and financial reporting systems through XXXX, XXXX, a wholly-owned XXXX subsidiary XXXX XXXX XXXX XXXX XXXX XXXX, is a wholly-owned subsidiary of XXXX as XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the laws of the State of Georgia, XXXX established notably in XX/XX/XXXX, by XXXX. On XX/XX/XXXX, XXXX XXXX, filed an immediate ADVERSE ACTION of financial services against the consumer stated herein to this complaint, without sufficient cause, credible or proper reason, notice, or any justification and/or explanation for such cause resulting in distress, humiliation and violation to the consumers rights and social standing. The consumer attempted to resolve the issue immediately by phone as stated according to the ADVERSE ACTION NOTICE received, however, NO SUCH REMEDY for the ADVERSE ACTION was available to the consumer by phone. So, immediately following the call, the consumer again, requested a copy of the credit report by fax, for any and/or all account information on file that XXXX XXXX XXXX XXXX XXXX subsidiary would have. Since reporting XXXX abuses of the consumers credit report and account, following repeated unauthorized release of the consumers information, unfair score and reporting practices and violations, various undisclosed and inaccuracies are continuing to be exercised against the consumers financial records, accounts, reports and reporting services both by XXXX XXXX, and XXXX which is resulting in undue distress and continuation of unnecessary violations of CFPB guidelines.
11/04/2023 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Confusing or missing disclosures
  • PA
  • 164XX
Web
Certegy Payment Solutions , LLC has denied me to cash a check at XXXX. I called to speak with a representative as to why. I was told I have negative information on file, and that the check is good. They gave me my check business phone number and tried to hurry me off the phone. I got the run around as to what was negative on file, and why they could not cash a check that was more than in good standing. The check was able to be cashed at a different store moments later. The check had nothing to do with why I was denied. I was denied because of myself, however, they can not tell me why. I requested a consumer file disclosure report. This report only had information for the date my check was denied at XXXX, and an approved in inquiry for XXXX. The XXXX check denial has a code ( XXXX ) that states " This transaction received a decline recommendation from XXXX because our records indicate that there is negative information on file, most typically due to a returned check. '' No other information was received, no negative reports and any information as to why they would deny me. Per my rights under FCRA, I am entitled to the information that was used against me to deny my transaction. The company states in their XXXX denial code that a returned check is on file. If this is on file, this needs disclosed. It feels like discrimination. They can not tell me why they deny me, but can deny me. This is wrong, and they are not disclosing what information in my file that is being used against me, therefore they are violating my rights under the FCRA.
10/16/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • CO
  • 802XX
Web
I attempted to cash a {$100.00} check twice. They were the same check. 1st attempt was on XX/XX/XXXX and the 2nd attempt was XX/XX/XXXX. Each attempt was an automatic denial. To clarify, this was the same check wrote out to my husband and I from XXXX XXXX based in California. Ive never been denied cashing a check until this point. I am confused as to why I was denied. The reps over the phone was not of any assistance. This experience is beyond humiliating and discriminatory. I ordered my report from certegy in hopes of getting more information. I received my report by mail. The reason for the decline it did not meet the acceptance guidelines, which may vary by check cashing location and transaction. My husband was with me on my 2nd attempt and he was able to cash this check without issue. Each location I looked I was looked at as if I was a criminal. There is no record of a bad Check I presented to any place, ever. There was nothing listed under my outstanding items according to certegys report. Certegy provided a list of places I was able to cash checks earlier this year and in XXXX. I fear if I have to cash a check going forward I will not be able to and will be subjected to sane issues. My name needs to be cleared or I will sue them. Who Certegy to determine who can and can not cash a check? I understand if I had history with fraud and unsatisfactory check cashing experiences but there is nothing on my record. I even pulled a report from XXXX XXXX and still nothing. This is outright discriminatory and inconsistent.
04/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • NE
  • 68104
Web
On XX/XX/XXXX, I presented a check in the amount of XXXX at XXXX XXXX XXXX. It was declined and the merchant gave me receipt with the information to call Certegy. I did and requested my file. It was sent. First, there is missing information and unverified information ( DOB ) and the reason for decline is too vague. I, as the consumer, can not request validation as I am not being provided with the specifics for the declined check. It gives code 04 : which states " This transaction received a decline recommendation from Certegy because it did not meet the acceptance guidelines, which can vary by store and transaction. Factors may include a combination of : the check number, dollar amount, check-writing history, or other transaction details. Generally, these guidelines do not include your account balance because banks typically do not provide it to us. '' The file goes on to provide OUTSTANDING items : which is blank. I haven't written any checks that would be outstanding and/or not paid-defaulted. It states the information retained can remain on my file for four years from the check date or until by the reporting source to remove. I am unaware of any company reporting anything and Certegy isn't providing the information for dispute, validation, or fraud investigation. I reached out to customer service on XX/XX/XXXX and spoke with agent, XXXX, while being rude, stated their is no validation or fraud process. Additionally, I am in the process of chapter XXXX bankruptcy so being denied any owed debt is not allowed.
05/03/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • VA
  • 231XX
Web Servicemember
On XX/XX/XXXX, I submitted a check to XXXX XXXX XXXX for the purchase of Week groceries, my check was declined on the information provided by Certegy Payment Solutions , LLC, of XXXX, FL. They have a contract with Kroger to check the credit history of the customer providing payment with checks. My credit score is 800+ and I have excellent credit. I contacted Certegy and requested my consumer file disclosure report which they sent to me. the control number is XXXX and the tracking number is XXXX. What they sent me was a record of three transactions : one from XXXX XXXX XXXX, dated XX/XX/XXXX, one from XXXX XXXX dated XX/XX/XXXX, and one from XXXX XXXX dated XX/XX/XXXX. All were approved. My concern is that because my bank, XXXX XXXX XXXX XXXX is not one of Certegy 's signed clients, they are using the fact that XXXX is not a client against customers that try to submit a check from this institution to their clients. According to XXXX at Certegy, they have no record of an inquiry from XXXX, and prior to this, XXXX XXXX in XXXX XXXX VA. declined to accept a check from me, based on informatoin from Certegy. I don't know what should be done after these two instances, but I am not being protected false reports or Certegy is sending false credit decisions to get a banking entity to sign with them as a client. I value my credit standing with businesses and when there is a derogatory report or a turn down because of a false report from a credit reporting agency, it is a major concern to me.
07/27/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • FL
  • 32404
Web
certegy turned down check # XXXX written to XXXX to purchase materials to restore my home after hurricane micheal, i had {$5000.00} in my account, my bank could not understand it, never bounced a check in my life! Spoke with XXXX @ XXXX on XXXX she made me give her personal info to even look for the transaction, and then could not even find it, The receipt they gave me said # 2 for denial which stated while their was no evidence of a check ever bouncing they did not have sufficent info to accept it! I looked them up in XXXX many complaints, talked to a manager at XXXX that used them to deny check, she siad that it had become a problem and that she was going to speak with upper managment, i also told her that XXXX has lost my business because of certegy. i could not even get a person on the # on the receipt, only after i received a letter with a # on it, and them XXXX could not even find my transaction or give me any good reason it was declined!! I noticed on the XXXX complaints they answer each one with the same double talk, but never give anyone an answer as to why they have been humiliated! Also i wrote a check to XXXX a week previous for alot more and they passed it!!! I want them to admit their error in writing to me and to XXXX! I think they are just trying to collect peoples personal info, and also when i did speak to XXXX she told me that they also share info with XXXX XXXX XXXX XXXX. please help, bbb is full of people that have issues with them!
03/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • MN
  • 55347
Web
Following issues in linking a new bank account to target financial, I was provided an error message citing Certegy as denying my ability to use my bank routing number. It told me to request a consumer file and upon doing so would have the right to file a dispute. I contacted Certegy as instructed in the consumer file disclosure and their agent told me the decision was final, that they do not have a dispute process, and recommended that I pay XXXX in cash. I recorded the representative telling me that Certegy will not accept a dispute from me and am disturbed that they are not willing to allow consumers to fix errors such as this one. Certegy is refusing to allow me to dispute incorrect information about my account which is in use without issue at numerous other companies and for direct deposit without issue and has a balance of thousands of dollars. The recording attached showcases what I was told as a consumer after following the instructions in their disclosure letter to call a specific phone number, provide a tracking number, and request to dispute. XXXX has so far only been able to blame Certegy and is refusing my payments based on their decision. I have advised them if they are not willing to fix this I plan to close the account of 14 years as I find it offensive to be accused of fraud given my current status as a XXXX XXXX, account holder of 14 years, and having no prior history of late/missing/bounced payments of any kind in store or online.
06/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Identity theft protection or other monitoring services
  • Problem canceling credit monitoring or identify theft protection service
  • MS
  • 392XX
Web
I contacted Certegy Check Services today to place a security freeze on my consumer account. The first representative ( XXXX ) stated that I am not able to freeze my consumer report with them ( Certegy ). I tried to explain my rights as a consumer under the Fair Credit Reporting Act ; she continued to talk over me, and stated that Certegy does place security freezes on consumer accounts. I requested a supervisor. The person that came to the phone ( XXXX ) explained that she was not a supervisor, but in fact a " senior rep '' and would not connect me to a supervisor. I again asked XXXX the process/steps to place a security freeze on my account. She stated that the company does not honor security freezes because they are not a major credit bureau. I advised that they are a consumer reporting agency bound by the same Federal laws/Fair Credit Reporting Act and that I have a right to place a security freeze on my report. XXXX became extremely defensive, aggressive, and argumentative. She stated, " don't call her telling her about Federal laws or the Fair Credit Reporting Act. She is not in violation of anything ''. I asked to speak with someone else, or give me a number, or correct address for the consumer security freeze and she stated that I can not freeze my information and that their company does not do it. I asked her for the information again or I was going to file a complaint against the company. She did not care and refused the service again.
01/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 28012
Web
I went to XXXX XXXX and XXXX XXXX on both days trying to cash a check that was written to receive cash back. The company Certegy Payment Solutions sent me a report back stating that I had return checks on their system which I found out later they did not. They could not even find a report showing that I had cashed any checks. But when I was in the store trying to cash my check the store would not accept the checks - only written for the amount owed. I wanted to get cash back from my checks. For example, If I wrote a check for {$50.00} dollars and wanted {$20.00} back their system would not accept it. The Manager at both stores indicated that they could not tell me why because they did not have any return checks on file. I have a report listing the checks that had cleared and went through their system by Certegy Payment Solutions but no cash back. When I tried to ask them why my checks would not clear they could not give me a clear answer and the checks listed are no longer in their system. I have enclosed a copy of this report to you and also copy of the checks I could not write for cash back. Please clear this matter up for me, because it is so embarrassing to go into a store trying to write a check for the goods and requesting cash back with both the Manager of XXXX XXXX and XXXX XXXX plus Certegy Payment Solutions not giving back information as to why my checks would not clear for cash back. Thank you! XXXX XXXX
01/07/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 184XX
Web
I have received numerous letters in the mail, along with phone calls, from a company called Certegy Payment Solutions , LLC, out of XXXX FL, since XX/XX/XXXX, requesting collection of two unpaid amounts to XXXX XXXX, for web services. They continue to harass via phone and mailings. I have checked my account statements and GoDaddy.com account, and the payments were auto-drafted on the stated dates, XX/XX/XXXX and XXXX, XXXX. I have had XXXX services since XXXX, and have my payments auto-drafted from my account. On XX/XX/XXXX, I contacted the billing department of XXXX to get further information on the issue. Billing stated they do not send out any debts to collections agencies, only terminate accounts when unpaid. I was informed, companies like this steal information from websites and create false paperwork to fool people into sending in money without any investigation into the matter. This is a scam and disregard all mailings and calls. I have asked them to stop via mail and phone three times, but they continue to harass with false information, using my bank name and XXXX within their mailings and phone calls. On XX/XX/XXXX, Certegy Payment Solutions attempted another phone call and I was able to speak to one of their representatives, who was requesting my full social security number. I have full proof of full and proper payments for XXXX services and this is a terrible and deceitful scam to consumers.
11/26/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 49001
Web
I received a letter from Certegy Payment Solutions , LLC ( XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX ) in early XXXX, stating that their records indicate I authorized an electronic funds transfer at a XXXX XXXX in the sum of {$290.00} and that my financial institution wouldn't process the transaction and to call them to get it sorted and pay the {$290.00}. This seemed like a phishing attempt to me because : XXXX. I've never shopped at XXXX XXXX. XXXX. The check number that's supposedly mine that they listed on the letter is a check number much higher than I've ever had printed. XXXX. They don't have correct information about my name. XXXX. The place on the letter where they are to list my bank institution is blank. XXXX. They claim the check was written at the XXXX XXXX on XX/XX/XXXX and I was out of town then. It felt so strongly like a scam that I ignored the letter. It's been less than a month since I received it. But I've just now opened the mail and found a letter from XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX ) stating they are a debt collector and trying to collect a debt I owe to Certegy Payment Solutions , LLC. I'm not sure what to do next. I haven't contacted either Certegy or XXXX because I don't want them to have my phone number or any other information about me. I wouldn't even know who to contact first. Can you please let me know what to do in this situation?
08/18/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • VA
  • 225XX
Web
After reporting the loss of my debit card to my bank, I had to rely on writing checks while I waited for my new card. I attempted to write a check for {$200.00} at a XXXX XXXX XXXX and the check was declined by Certegy Check Services even though my account balance on any given day is more than four digits in front of the decimal place. In addition, I have never written a bad check. In fact, I don't usually write checks, relying upon my debit card instead. I attempted to contact Certegy to get more information and found they only have an automated system that will not allow you to speak to a human being. The automated system gave me a very vague reason for the decline so I went to their website and received the same vague message ... This transaction received a decline recommendation from Certegy because it did not meet the acceptance guidelines, which can vary by store and transaction. Factors may include a combination of : the check number, dollar amount, check-writing history, or other transaction details ... If a company is going to impact my credit score and store information in a credit file regarding my transaction history, I should have been told the specific reason why an adverse action was taken. And while the receipt I received at the Super Market indicates I am able to dispute anything in my file, they do not have an option to do so on their automated system or website.
10/04/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IN
  • 46260
Web
I recently found out that my name was attached and associated with 3 consumer reporting agencies, XXXX XXXX, XXXX XXXX, and certegy. I have called certegy they have a check in the amount of XXXX that was wrote on XX/XX/2014, associated with my ID found this out while I went to XXXX to cash a check as I have been doing many years they cant verify an address on file NONE of the addresses i have given them is tied to me, I called early warnings they gave a bank account that was opened in 2014 with XXXX XXXX, I wasnt even in XXXX yet, I disputed this issue with them and they are saying its accurate and its not, I want my signature to be verified, and what ID and address was used, the same for XXXX XXXX its so frustrating all of a sudden I cant cash checks at XXXX or XXXX due to fraudulent accounts Ive never wrote a check in my life and Ive NEVER had a XXXX XXXX account. I want this removed from my name, how is it even possible I got 2 different fraudulent items in 2 different cities I can ONLY be at one place at ONE time! I just want them to detach these accounts from reporting against me because they are NOT mines and I do not write checks let alone shop at XXXX and never have I ever been declined to cash a check until recently. I want this fixed, its a negative on me and I do not like it especially since these accounts have nothing to do with me.
07/30/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • AL
  • 35215
Web
I lost my debit card and had to use my checks until I received my new card. On XX/XX/2019 I was told that my check was declined by Certegy Payment Solutions, L.L.C. I called and requested information as to why. One week later I received a letter with reason number 4 risk factor which read as ( This transaction received a decline recommendation from Certegy because it did not meet the acceptance guidelines, which can vary by store and transaction. Factors may include a combination of : the check number, dollar amount, check-writing history, or other transaction details. Generally, these guidelines do not include your account balance because banks typically do not provide it to us. ) Since I didn't fall under any of these categories I called Certegy for more information and was told that the only other reason they think my check was declined was because I've never written a check before at this place, so they assumed it was fraud even though I provide them with my license. And that I would still be considered as a RISK FACTOR. I do not for the life of think that this is fair, and as humiliating as this was I couldn't help but think I am labeled risk factor because I am XXXX American. How can I get Certegy to remove this negativity from my file so that if were my debit card again and try to write a check it will be accepted / not declined?
04/06/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • AR
  • 716XX
Web
DEAR CONSUMER PROTECTION BUREAU SO IM SUBMITTED WRITTEN EMAIL ABOUT IM HAVING PROBLEM ISSUES WITH AND BUSINESS COMPANY GOES BY THE FIRM NAME OF CERTEGY PAYMENT SOLUTIONS LLC SO ASLO I CAN PROVIDE MORE IMFORMATION ABOUT THIS TYPE OF BUSINESS SO THIS BUSINESS PROVIDE CONSUMER REPORT REGUARDING FINANCIAL DATA FROM BANKS CHECK CASHING MERCHANT RETAILS STORE LOCATION LIKE XXXX XXXX XXXX CHECK CASHING SERVICES SO THE MAIN PROBLEM ISSUES IM HAVING WITH CERTEGY PAYMENT SOLUTIONS LLC SO THIS BUSINESS AGENCY PROVIDE CONSUMER FINANCIAL DATA TRANSACTION REGUARDING DECLINE CHECK CASHING FEES SERVICES SO I WAS RECENT TRIED TO CASH AND CHECK AT XXXX RETAIL STORE LOCATION IN MY LOCAL AREA SO THE CHECK ENCLOSE WAS ISSUE FROM UNITED STATES POSTAL SERVICES CHECK DATE ISSUE XX/XX/2020 CHECK AMOUNT {$31.00} CENTS BANK NAME LOGO ISSUES CHECK XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ZIPCODE CHECK ENCLOSE WAS MAIL FROM UNITED STATES POSTAL SERVICES LOCATION XXXX MN XXXX ZIPCODE CHECK VOID AFTER ONE YEAR TREASURER SIGNATURE XXXX XXXX SO I HAVE BEEN HAVING SOME DELAY PROBLEM ISSUE WITH THIS BUSINESS CORRECTION MY CONSUMER CREDIT REPORTING FILES IN THERE COMPUTER SYSTEMS SO EVERYTIME I TRIED TO CASH CHECK AT XXXX STORE LOCATION CERTEGY PAYMENT SOLUTIONS LLC ALLWAYS DENIED CHECK FOR WHAT REASON I CURRENT DONT KNOW
10/12/2023 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Problem with customer service
  • OR
  • 97477
Web
I recently to my local XXXX to cash a retirement distribution check in my name from XXXX in the amount of {$880.00} and was denied twice. The reason on the denial slip said " We're sorry, but we are unable to proceed with your transaction. Our decision was based in whole or in part on information obtained Certegy Check Services XXXX XXXX ( XXXX ) '' The slip went on to say that I have " a right to obtain a free copy of your information held in XXXX 's file '', which I did on XX/XX/2023 and received today. The only XXXX inquiries shown on my file disclosure were the XXXX attempts to cash my retirement distribution check at XXXX and the " Not Authorized - Reason Below '' Recommendation to client. The reason definition states : This transaction received a decline recommendation from XXXX because it did not meet the acceptance guidelines, which XXXX vary by check cashing location and transaction. Factors may include a combination of : the check number, dollar amount, check cashing history, or other transaction details. So, I still received no new information or more clear reason for the denial of my check cashing request. I also have no Outstanding Items or Resolved Items listed on my file disclosure, so I am very concerned and confused as to why I was denied the ability to cash my check.
12/16/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • MN
  • 55443
Web Older American
On XX/XX/2023 we presented a check for payment of {$5700.00} at XXXX for carpet and future installation. Certegy Payment Solutions, LC advised XXXX to deny the check. Their reason was a " XXXX XXXX '' - No prior unpaid check information ( for my accounts ) but Certegy had insufficient information on me to approve the transaction. I told the XXXX manager that that was immaterial because the check would clear long before the goods would be ordered or installed. I was compelled to return to my home in another city to get cash and return to the store before close ( or forfeit a {$500.00} rebate promotion that ended that day ). Certegy provided contact information on the cash register printout that denied my check. To contact them online or by phone, they asked me to have certain personal information available including my Social Security Number. They provided an address for mail contact which I chose. My letter was returned on XX/XX/2023 marked : Return to Sender, Attempted- Not Known, Unable to Forward. I checked the address against the information they provided to verify that it was correct. I have also contacted XXXX XXXX XXXX contact portal and a representative promised to forward the details of my complaint to the appropriate parties. I have retained copies of all the comunications.
03/23/2019 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Confusing or missing disclosures
  • MN
  • 55116
Web
Tried to cash my insurance claim checks at XXXX XXXX XXXX and was denied by Certegy. Called Certegy, no reason given so I ordered my Certegy report to see if I had derogatory information on it. Received the report in the mail and there was nothing derogatory. Called Certegy, they had no explanation. I told them I have another check same type, I am going to XXXX, they said they could not find my transactions and to call in if I get denied again. It happened again, I called them and no valid explanation or reason given. This is another sham company that does not know what they are doing. I doubt they have any sophisticated tools or technological knowledge so they just deny checks based on nothing and give no reasoning to the consumers that get denied. This is unfair practice. A reason, score and/or negative information has to be on a report for them to deny, Certegy bases their decisions on propitiatory nothing as they dont have a clue what they are doing or talking about. Nothing will come from this complaint either as usual. It just feels good to vent. Search Certegy complaint and there are thousands more complaint of people getting denied for no reason. Hello Certegy, dont pawn this off on to XXXX either because XXXX makes {$8.00} a check to cash. Close shop you crooks at Certegy.
06/19/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 480XX
Web Servicemember
Certegy is a company that authorizes transactions when a retailer accepts a personal check as payment from a customer. Certegy informed me on or about XX/XX/XXXX that 23 checks written in my name to several retail establishments in my local area. The checks were verified based on my driver 's license number. I did not write these checks, so somehow someone had gotten a copy of my driver 's license. Certegy provided me with the name of bank that the checks were supposedly written from. I do not have an account at that bank. I called the bank and they told me that the account number on the check did not exist, so the checks were fraudulent. I filed a report with my local police avidavid department. Now Certegy has required that I submit an affidavit containing personally identifiable information to prove the checks are fraudulent. Due to my common name I have been a victim of identity theft twice in the last six months, so I will not give up my PII. Because of this Certegy has threatened to hurt my credit rating unless I give them the information. Certegy 's check approval procedures are deficient and I should not be responsible for fixing there mistakes by providing information that may expose me to further identity theft.
09/25/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Was not notified of investigation status or results
  • CA
  • 95610
Web
My name is XXXX XXXX XXXX. On XX/XX/XXXX I mailed an order to a company called XXXX XXXX. My payment was by check written on a XXXX XXXX account that I have had for years. The account balance was more than sufficient to cover the check. On XX/XX/XXXX I received from XXXX XXXX an unsealed envelope containing my original check and order, and with a generic note from a company called " Certegy '' indicating that that XXXX XXXX was " unable '' to proceed with my transaction because the check had been flagged for some unknown reason by this sinister, invisible " Certegy '' cabal. I called Certegy 's " customer service '' number and screamed at a robot for 20 minutes, who never transferred me to a human being, but advised me that if I wanted the courtesy of a report advising me why they interfered with my transaction and defamed me I would have to supply them with the following : my bank account number, the routing number, my social security number and a photocopy of a government issued ID. Having the use of my mental faculties, I declined this frankly ludicrous proposition. At that point, I went to Certegy 's web site to file a complaint, and was directed to you fine people. I can be reached at ( XXXX ) XXXX or XXXX XXXX
11/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Public record information inaccurate
  • IN
  • 46203
Web
I have diligently attempted to contact the company on no fewer than 25 occasions over recent months. Unfortunately, my efforts to cash checks are continuously thwarted due to my identification being erroneously flagged as fraudulent. My current state of homelessness presents additional challenges, notably the difficulty in maintaining a consistent mailing address to receive correspondence. The absence of live telephone support and the company 's lack of response to faxed inquiries further complicate the matter. Moreover, I have persistently reached out through numerous written communications, yet to no avail. Alarmingly, it has come to my attention that multiple organizations have wrongly blacklisted me within a system that advises against providing me with any form of assistance. This constitutes not only a fraudulent misrepresentation of my identity but also bears the hallmarks of inaccurate reporting and discrimination. Despite my proactive and exhaustive endeavors to rectify the situation by all available means, the company remains uncooperative in addressing and resolving these critical issues. I have been denied of housing, check cashing, employment, etc sue to this false reporting and no response.
12/14/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • KY
  • 420XX
Web Older American
The company Certegy did NOT contact me in any way about a problem with a check. They immediately turned it over to a collection agency. The money was in the bank for the check. It was a cashier error. The cashier had a problem pushing my check through the machine so he wrote void on my check, entered my information in the register & had me sign electronically. This was on XX/XX/XXXX. This was on a checking account I share with my mother. On XX/XX/XXXX I had a personal check denied at another store. When I called about it I was told I had a " returned check ". This was the check I wrote on the account I share with my mother. What caused the problem is this : the cashier entered my check number where my account number belongs & the account number where the check number belongs, therefore it did not recognize my account. IF I had been notified this could have been cleared up faster. I feel my credit and my mothers credit has been damaged by this going directly to a collection agency. Is this legal? Don't they have to notify people first? On XX/XX/XXXX I authorized XXXX to withdraw the money to pay the check but as of XX/XX/XXXXthere was still a CLAIM showing. This is not right. Please help me.
07/24/2022 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Problem with customer service
  • IN
  • 47905
Web
For the past four years, every time I attempted to cash a check at a grocery store ( XXXX ), national chain retail store ( XXXX, XXXX, XXXX XXXX ) that offers a check cashing service I have been denied simply because the " company that verifies information '' flagged my social security number. I can not get approved for a credit card, car loan, home loan, etc due to this company flagging my personal information. Then to make matters worse, when calling and attempting to remove the flag on my account I am only allowed to speak to an operator who can only help customers with a select few issues, which of course did not pertain to my situation. If you attempt to lie and choose false reasoning for your call, you are then informed that you did not answer honestly or correctly so therefore I will continue to be denied services. I feel my rights and privileges of having access to my money are constantly being violated. The number of my credit score does not excuse or allow corporations to deny American Citizens access to funds received from the federal government. That is illegal, and there is no reason or excuse why I am constantly denied access to something given and provided by our government.
09/04/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30252
Web
Certegy continues to try to collect on a debt that is not owed. This is my final complaint before I contact my Attorney on Tuesday and file suit against them, their collections department, and XXXX. I have already contacted XXXX and was assured that the issue was handled and that Certegy would be contacted. Apparently this hasn't happened. I am attaching an email that was sent about 2 months ago and the response from XXXX XXXX CEO Office. Certegy states that they investigated a matter ... they haven't, because I am not going to provide a DL Number or any other information to help them verify something that they should not already have. I have already stated on a recorded line that the DL number and SSN is not mine. That is more than enough. On behalf of the FDCPA, I have grounds to sue because it is on them to prove that this debt belongs to me, which it does not. They have not done so and the burden is on them to prove that with the information provided, which they have not done so. I do not owe anyone any money. I am not giving my personal information while they continue to have security breaches. The next person that they will hear from is my attorney if this isn't resolved asap.
11/07/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • MI
  • 499XX
Web
I am XXXX XXXX, the XXXX / XXXX of the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Michigan. I have never filed a compliant before with the CFPB but an experience today prompted me to file this one. I view the CFPB as an entity that can make companies that behave in this manner accountable for their actions. The company I am writing about is Certegy Check Services , Inc. This company provides check clearing services to many retailers throughout the U.S. Researching this company online, it appears that they do a very poor job of clearing checks which results in credit union members and bank customers having their legitimate checks denied when they attempt to use a check to complete a purchase. Certegy provides a phone number to call, however the phone number does not allow you to access a person to ask them why checks are denied. Our credit union is starting to see issues with multiple retailers that use Certegy 's services because our member 's checks are being declined. After a search online, it appears that many institutions have this issue. I do not believe it is fair for a company to use incorrect information to deny checks from being used to purchase goods or services.
06/17/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • OH
  • 443XX
Web
I was contacted by a collections agency claiming to have purchased debts from Certegy, a company I have never signed up for or heard of. They claimed the charge was for some payment that didn't go through on my bank account 5 years ago and said they've been trying to get ahold of me. This is literally the first time I've heard of it ; they claim they've been sending mail to MY CHILDHOOD HOME ADDRESS, and are therefore " very disappointed ''. I asked why I was never told about this debt. They claimed the business who charged me would never have told me and there was no way for me to know ; they claimed it happened 5 years ago and they've attempted to mail my childhood home to tell me. Then, they went on to tell me the charge is for $ XXXX. I've already paid my debts off around my life ; they are now telling me I have some ghost debt for $ XXXX of course, and when I went to the records to see the charge they claim spawned this whole thing " that I wouldn't have known of '', it was a receipt for {$15.00} on XX/XX/2016. I told them this is crazy ; I will not be paying $ XXXX. The company is called XXXX XXXX XXXX or XXXX for short, phone number XXXX XXXX address : XXXX XXXX
08/05/2022 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Unexpected or other fees
  • FL
  • 33312
Web
I have a checking and saving account with XXXX XXXX XXXX XXXX. I cashed five personal checks at XXXX located at XXXX XXXX XXXX XXXX XXXX, Florida XXXX. The were returned by XXXX XXXX XXXX XXXX. Therefore, I was charged five returned fees in the amount of {$120.00} ( {$25.00} for each returned check ) and five insufficient fees of {$30.00} for each returned check by XXXX XXXX XXXX XXXX ( {$150.00} ). In the month of XXXX, 2022 ; the five checks in the amount of {$390.00} ( checks amount {$78.00} each ) and five returned fees in the amount of {$120.00} were paid. Also, five insufficient fees of {$30.00} for each returned check ( {$150.00} ) were withdrawn from my checking account by XXXX XXXX XXXX XXXX. However, On XX/XX/2022, five returned check fees of {$25.00} in the amount of {$120.00} from XXXX XXXX were charged to my checking account and insufficient fees of {$30.00} were withdrawn from my account by XXXX XXXX XXXX XXXX. I requested a refund from both companies, XXXX XXXX and XXXX XXXX XXXX XXXX. Both XXXX XXXX and XXXX XXXX XXXX XXXX refused to give a refund. My checking account number is XXXX. XXXX XXXX XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX, Florida XXXX.
11/25/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • 30339
Web
I was contacted by Certegy Payment Solutions in XX/XX/2020, that an electronic payment was returned and referred to Complete Payment Recovery Services for collection and the item is being reported to a national check verification database as authorized by the Client. I called the Client which is a web hosting company-XXXX XXXX XXXX/XXXX XXXX XXXX-and they said neither company would report. The website or product purchased would simply not operate or function if a debt was not paid. The threat from Certegy Payment Solutions was that my check writing privileges may be denied until it is resolved. I immediately contacted Certegy Payment Solutions ( see attached ) but was sent another notice XX/XX/2020. XXXX XXXX XXXX confirmed a {$0.00} balance and no payment is due. ( see attached ) They also stated the letter sounds like a spam letter to alarm a customer so that they would immediately send a payment, but no payment is due on their end and they emphasized that if a payment was not received, the website or that particular product would not work. I accessed Certegy Payment Solutions on the XXXX website. They have done this repeatedly to customers https : XXXX.
08/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Problem with personal statement of dispute
  • KY
  • 405XX
Web Older American
On XX/XX/2022 I submitted a check to XXXX in payment of a catalog order. The check was returned in XXXX with a note from Certegy indicating that the transaction could not be completed due to risk management concerns it had uncovered. The note advised that I had the right to obtain a copy of the information used by Certegy to reject my check. However, I have repeatedly tried to obtain such information, to no avail. Certegy has conditioned the disclosure of why the check was rejected upon my providing it with my driver 's license number and social security number. In numerous contacts with the company I have asked why Certegy requires disclosure of PII not available to it at the time the check was rejected. I have provided Certegy with the amount of the check, the date it was written, the payor, the payee, the check number, and the bank the check was written on. Again, the rejected check accompained a mail order purchase. At the time of the aborted transaction Certegy did not have access to my driver 's license number or my social security number. Why then does it now require such PII to explain why it interfered with my transaction with XXXX?
07/28/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30252
Web Servicemember
I am reaching out because I was contacted through XXXX XXXX XXXX XXXX XXXX and Certegy for a debt that is not mine. I initially filed a complaint against the collection agency. They came back with some information that was XXXX and old, so now I am going after the initial company with hard based facts. I do not owe any debt to Certegy or the collection agency for a business that I was connected to for a domain name. They state that there was a website purchased and/or initiated for in XXXX. The business was dissolved in XXXX and that is proven by information on the secretary of state website in GA. Also, in a recorded call, the rep reads off a drivers license number that does not belong to me. No of this belongs to me. I have already reached out to XXXX corporate office to see if there are any active accounts under my maiden name and married name. If they are, they are fraudulent. I am stating that communication by Certegy and XXXX XXXX XXXX XXXX XXXX are ceased immediately unless they state that they are removing this debt from underneath my name. Outside of that, there is to be no communication by mail, email, or phone to me at all.
05/06/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 346XX
Web Older American, Servicemember
XX/XX/2023 check for {$28.00} at XXXX refused payment by XXXXXXXX XXXX. I was never notified and XXXX does not keep a record it ever transpired. XXXX never notified me nor did their collection vendor Certigy. Upon visit to store attempted check pay was denied. I was given paper advised call Certegy to pay. Upon contactcwas advised they would redeposit in a day or two. They never did. Follow up at store with XXXX advised call XXXX XXXX XXXX XXXX. They sent me to their XXXX XXXX who sent me back to XXXX XXXX who sent me back to Certegy. After a half dozen failed attempts I contacted the XXXX XXXX XXXX and we repeated the process. Attelps once again failed. Contacted store. She sent an email to corporate who's job to collect returned checks. They said call certify but she never ressponded. I then recieved Debt Collector notice they bought debt! I called store and spoke to XXXX XXXX. He is trying to assist. I then notified him I was calling debt collector to cease. SENT to answer machine. I left message AND IN FO to CEASE and DESIST notice. They do not provide any acknowledgement of receipt. Waiting on feedback from XXXX.
07/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • MD
  • 208XX
Web Older American, Servicemember
Re : Certegy Check Services On XX/XX/21 my XXXX XXXX XXXX XXXX {$66.00} check was denied at XXXX XXXX XXXX - Store # XXXX, XXXX, Maryland. The info for XXXX is printed on the receipt, I tried to contact. I was asked for my SS #, bank routing #, back account #, other info. I did not provide these. All automated, no one to speak with. I was also asked if I wanted to make a payment. I tried their website, no help. Twice on line I was asked if I wanted a lawyer, for a fee. Looking in to the company, I found many who had experienced the same. Their website - www.askcertegy.com - XXXX - Certegy Check Services , Inc. XXXX XXXX XXXX XXXX , Fl XXXX XXXX-XXXX. I have tried several times to reach this company, on hold for over an hour- then disconnected. One site I reached was invalid. I have been shopping in these stores for many years, and now I am unable to write a check there. My credit score is very high, and I did bounce one check about 10 years ago, when I was changing banks. My fault - wrong check book. I feel this outfit is a scam, I would like to know what you find out. Thank you for your time, XXXX XXXX XXXX XXXX
10/26/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • CO
  • 816XX
Web Older American
You declined my check XXXX XXXX XXXX XXXX, NO valid reason given in your response. Your letter stated the factors maybe the check #, dollar amount or check writing history. Your letter had 2 years of my transactions from the store with NO problem in my history. I have been shopping at the store for over 30 years, EVER have I bounced a check. I called your customer service dept. and she couldnt tell me anything other than use your debit or credit card. Your letter stated this information is retained on file until the item is paid, 4years from the check date, or until notified by the reporting source. From my conversation with your agent I cant write a check at our grocery store because you dont like my check #, amount of check. Your letter stated No information on file on reason for outstanding items. I gave all my information, drivers license, checking account, routing and you have no valid reason for the decline. This complaint is also going to XXXX grocery store, and to our attorney. I want to know I can use my checking account at the store with out being humiliated in front of other customers and cashiers.
10/03/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • MN
  • 553XX
Web Older American
We issued a check in the amount of {$80.00} to pay for gas at a local gas station that uses a service provided by Certegy to verify the validity of checks. The check was refused by Certegy and we were given a code number ( 2 ) and phone number ( XXXX ) to call to get information as to the reason why. When we called the number supplied, the customer service rep could not explain why the check was denied, only stating that there were three reasons but that they could not give us any information on those reasons. I requested a review of the denial and correction of any incorrect information that may have led to the denial, but the customer service rep stated that there could not be any review or correction once an account was denied, and that there was no way to file an appeal. I went to Certegy 's website and could not find any information as to how to review a denial or correct incorrect information that may have led to the denial. We have had this checking account for over 50 years and have NEVER issued a bad a check. Our bank is able to confirm that there are adequate funds in our account to cover the check.
08/22/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • XXXXX
Web
I received a letter with my correct name and address regarding a " company payroll check # XXXX in the amount {$12000.00} '' that was returned unpaid. This is a check paid to a supermarket ( XXXX XXXX XXXX in XXXX, CA ) that I have not been to regarding use of cheques which I haven't done in years and finally it is for a spectacular total for groceries for a family of XXXX. And it's for a " company payroll check. '' I have no business, nor employees. I have listed Certegy as the origin of the " debt. '' It does appear that XXXX uses Certegy but I have not used XXXX at that location or very much in person in the past year and I haven't used a cheque in ages, much less a " company payroll check. '' The two companies involved are both disreputable and may be intertwined in some way. They are the so-called client and now owner of " my '' fictitious check - Certegy Payment Solutions , LLC and the " collectors '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL ( surprise! ) XXXX at XXXX with claims accounting address in XXXX, FL. They seem to be " legit '' companies engaged in scams.
03/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11432
Web
Complain against ; Certegy Payment Solutions , LLC. XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Transaction Date : XX/XX/2022 Transaction Ref # XXXX Certegy Payment Solutions , LLC collect my information and use it to sell financial services to XXXX. Certegy Payment Solutions , LLC confirm they advise XXXX to decline my transaction based on false and incorrect information the company collected and use. The company representative confirm they based the decision they sold to XXXX, on information they refuse to allow me to correct/update and/or verify. The company representative also refuse to inform me, how i can update the inaccurate and/or incomplete information they used to sell financial product to XXXX. I contacted Certegy Payment Solutions , LLC, and ask them for a copy of the data they collect and the company refuse. Additionally, I was requested to provide personal information, such as social security #, XXXX Identification information, but when I request the company how my information is protected from fraud, misuse, sharing and abuse, the company refuse to provide any details.
01/06/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 36535
Web Servicemember
On XX/XX/2019 XXXX XXXX in XXXX, AL. accepted a check in the amount of {$41.00} from an unknow person to me. This person presented an Alabama identification card and the XXXX XXXX employee accepted as satisfactory identification. The XXXX XXXX employee misread the identification card and substituted the number one [ 1 ] instead of the letter 'I ' that is used on Alabama identification cards. XXXX XXXX, { XXXX ] Alabama Law Enforce Agency drivers license fraud division investigated and determined the error had occurred. XXXX XXXX XXXX XXXX, FL. XXXX recommends to merchants to not accept my person check. I have called Certegy multiple time, written 2 letters, given the XXXX XXXX XXXX XXXX phone number, faxed the a copy of my drivers license. Certegy is not cooperative, unresponsive, they don't use e-mail and once I am able to get someone on the telephone they are a lower level employee that can not answer questions or make a decision. They want the checking account number and check number of the check in question, I have no clue because it was not my check, signature, name or account.
01/04/2022 Yes
  • Money transfer, virtual currency, or money service
  • Money order
  • Unexpected or other fees
  • UT
  • 84075
Web
I purchased a money order in the amount of XXXX at a XXXX XXXX XXXX in XXXX XXXX Utah on the XXXX of XXXX needing to make my rental payment in this amount by the XXXX with the holidays they were closed until today being the XXXX to avoid late fees I loaded my prepaid card and paid the balance there at the same time I loaded my card being the XXXX of XXXX once I seen the transaction using my card went through asked if I could cash out the money order they stated I had to wait XXXX hours from time of purchase today the XXXX being well past the time needed went to cash the money order I purchased at the same location with receipt in hand of the money order purchase was told it was declined based off certagy when calling the number said all decisions are final I'll be damned if I paid XXXX dollars have the receipt in hand and can't get my money back I didn't write on the check other then what I was told by the store clerk this evening it was not altered in anyway and I have all needed proof of purchase. Why did it get declined? It's never stated anywhere this is a possibility
05/17/2022 Yes
  • Money transfer, virtual currency, or money service
  • Money order
  • Fraud or scam
  • ID
  • 83634
Web
Certegy is not allowing stores to cash Verified XXXX XXXX XXXX XXXX Money orders by stopping said money orders from being cashed. Then when calling their number they want to do back ground check on caller and send reports free XXXX starts requesting ID, Social Security number etc of Caller plus receipt number for issue. They are a 3rd party ( phishing ) company posing as a verification processor servicing to many companies Idaho. I want them to cease and desist business of all reports against me and other individuals in Idaho. If money orders are good and person cashing is person money order is written to Verifible money Order should not be stopped from being cashed. This can cause illegal unnecessary lawsuits against XXXX XXXX which guaranteed XXXX Money Orders. For the pain & embarrassment I should receive {>= $1,000,000}. Per occurrence of Certegy action against legal cashing purposes. Certegy is now formally asked to cease and desist all information gathering when it comes to me cease and desist all reports against my person or family
05/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Problem with personal statement of dispute
  • PA
  • XXXXX
Web
On XX/XX/2021 I made a purchase at my local XXXX XXXX XXXX for {$21.00}. I had forgotten my debit card so I wrote a check from an account I have had for almost 20 years. My check was not authorized by Certegy. I attempted to contact Certegy to find out what was the issue was as I have never had anything like this happen in my life. It is all automated and you can not talk to a customer service rep. I had to order a copy of my consumer file disclosure report which I received by mail. There is nothing on the report that says why my check was declined other then it just did not meet Certegy 's guidelines. There is no reason I should not be able to write a check at a store if I chose too. I have maintained a checking since I was XXXX XXXX XXXX and I now XXXX at the same financial institution. As stated the check that was drawn from a checking account at another financial institution for almost 20 years. I have attached the generic explanation I was given in the Consumer File Disclosure Report.
12/01/2020 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Problem with customer service
  • TX
  • 77083
Web Older American
My local XXXX food store, XXXX XXXX XXXX, XXXX TX XXXX, declined my personal check for {$100.00} cash on XX/XX/2020. They gave me the info of their check service to find out why my check was declined. Certegy Check Services XXXX Inc, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX XXXX XXXX, XXXX FL XXXX, XXXX XXXX XXXX, stated that my name, address , and XXXX store location was the cause and that is their policy. This is highly discriminatory since they did not use my check cashing history or credit history to make a decision, only my name and address. I called to complain and talked with XXXX, XXXX XXXX XXXX, but she repeated that Certegy has the policy of evaluating checks based on name and address, not financial history. This is highly discriminatory. I demand that you stop this discriminatory action and change your policy. I have filed a complaint with the Attorneys General of Texas and of Florida. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Cell XXXX XXXX XXXX
10/28/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • OH
  • 43207
Web
On XX/XX/2019, I tried to cash a check at XXXX. It was a Social Security Check in the amount of {$1100.00}. The check was denied and I was given a paper to contact Certegy. I sent for the report Certegy had on me and there was no reason give for the denial of the check. Under the Outstanding Items section of the report it said. No information on file. Under the Consumer Report Data Exchange, it stated : Information maintained in Certegy 's files from the Outstanding Items or Resolved Items section of this report may have been reported to XXXX XXXX XXXX Since there was no reason given I called Certegy and spoke with a person by the name of XXXX and she could not provide with a reason. On XX/XX/2019, I tried to cash another Social Security Check in the amount of {$410.00} and again was denied and given another paper to call Certegy. How can I continually be denied by this company for no apparent reason, since they are not able to provide me a reason for being denied?
09/07/2019 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Fraud or scam
  • MS
  • 39212
Web Servicemember
I went to cash a check at XXXX on XX/XX/XXXX. Certegy advised that I cashed a check from XXXX XXXX on XX/XX/XXXX for the amount of {$660.00} and owed this money. I told them they must be mistaken and it's not me. I have no knowledge of this company. I have no knowledge of this check and to send me a copy of this they advise that they do not have a copy of the check but yet they are holding me responsible for {$660.00}. I have never gotten a call from Certegy nor a bill. Nor have I ever gotten a bill from the so called company XXXX XXXX. I do not know where they are or who they are and to please send me all documents they have on this transaction. I told them I am disputing this information you have on file and send me all information you are claiming that is causing a problem for me to cash check I am disputing any and all negative information in their system. reference number XXXX at XXXX for the amount of {$570.00} when they refused ti casg my check due to this.
12/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • CO
  • 816XX
Web
Certegy said I bounced a check and owed money. I haven't bounced a check in over 30 years and my bank has an anti-bounce feature on my account in case I ever did make financial mistake. I called Certegy and disputed their claim. They sent me Dispute paperwork that asked for all sorts of very private information : social security number, bank account and routing number, etc. I showed this all to the Customer Service at my bank and they told me to ask for a copy of the check that Certegy said I bounced. I called Certegy and told them this and they said they would send the check. It never came but Certegy went on to send another letter demanding payment. I have attached complete documentation of all of this as it will make the matter perfectly clear. I see the Federal Trade Commission has numerous complaints against Certegy- I tried making my complaint there but it seemed their system wanted me to complain here. Please help. Thanks and best wishes, XXXX XXXX XXXX
11/14/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Personal information incorrect
  • AZ
  • 863XX
Web
I wrote a check for XXXX at XXXX XXXX for groceries only to have the store DECLINE my check because of CERTEGY 's denial of my check ... ... ..i was given NO reason as to the decline of my check and upon trying to contact Certegy you could only get an automated response ... ... when i asked XXXX XXXX to contact my bank to verify the funds/check they REFUSED because they said they couldn't override Certgy 's denial ... ... .when i CALLED my bank to have them verify the check and funds the manager of XXXX XXXX REFUSED to take the call ... ... ... .i have ALWAYS prided myself on NEVER EVER have written a bad check and having an EXCELLENT credit rating ... .i have ALWAYS paid my bills on time and in FULL and that includes ALL credit card amounts ... .I just moved to AZ and purchased a {$520000.00} home WITH CASH, i have NO mortgage and only owe a little over XXXX on two loans ... ... .Certegy has YET to provide a reason to me for DENYING my check.
12/14/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TN
  • 38017
Web
XXXX XXXX, XXXX, XXXX ( XXXX XXXX ) uses Certegy Check Services to collect on checks that are returned for insufficient funds. XXXX was taken a cashier check in the amount of {$2500.00} for ck # XXXX dated XX/XX/2018, XXXX XXXX that was returned. I was asked informed by the XXXX employee the check would be shredded, Certegy Check Service presented the check to my bank for payment XXXX and it was paid even though they had a cashier check in their possession. I've spoken with Certegy several times. I was told the refund check of {$2500.00} was mailed out XXXX but I have not received the funds. I spoke with XXXX XXXX Dealer Manager with XXXX and he also stated the refund was mailed out. This lack of assistance with this matter is urgent and I feel I'm being misled on purpose. Is this a practice for Certegy and XXXX to not refund Clients funds if so I'm requesting their collection practices be investigated for their collection practice.
09/11/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • TX
  • 76548
Web
This is about an issue I'm having with certegy payment solutions. They are a company that makes recommendations about whether a consumer 's credit worthy or if it would be risky to allow a check to be cashed. I have been having the same problem for several years now. I am not allowed to cash a check at XXXX because of risk factors. XXXX provides a receipt with a transaction number and other particulars and says to call Certegy to find out why. When i call Certegy, Certegy apologizes and says they have no negative information on me. So why did XXXX deny me cashing a check? They can't answer that. They are evasive and speak in vague terms. They were talking in circles. And the icing on the cake? Today after being on the phone for over an hour, the supervisor pretended she couldn't hear me and hung up on me. So I immediately decided to file this complaint. This is my life. My money. Why can't I get a straight answer from them?
11/05/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • XXXXX
Web
This company has never sent me their information. When a supervisor finally reach out to me. I was under the doctor 's car and i didnt write down her information correctly. This supervisor did inform me I would receive a refund, which I never received to date. Plus she did inform me that I would receive a paid in full letter. Plus the amount of fee ; s that I paid on this account. ALL I received from this company was a report of all the checks i have written. Nothing else. I called today spoke with two rude people one being XXXX Id # XXXX who refused to transfer me to a supervisor plus told me that she never saw that I spoke with anyone. Plus to say they are not a collection agency and she then would have a team member call me back. This is a horrible company that lies and refused to send me a paid letter of all my payments I paid. Plus refused to send me how much I have paid in fees. This is my 2nd complaint to CFPB.
11/05/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • XXXXX
Web
This company has never sent me their information. When a supervisor finally reach out to me. I was under the doctor 's car and i didnt write down her information correctly. This supervisor did inform me I would receive a refund, which I never received to date. Plus she did inform me that I would receive a paid in full letter. Plus the amount of fee ; s that I paid on this account. ALL I received from this company was a report of all the checks i have written. Nothing else. I called today spoke with two rude people one being XXXX Id # XXXX who refused to transfer me to a supervisor plus told me that she never saw that I spoke with anyone. Plus to say they are not a collection agency and she then would have a team member call me back. This is a horrible company that lies and refused to send me a paid letter of all my payments I paid. Plus refused to send me how much I have paid in fees. This is my 2nd complaint to CFPB.
04/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • CA
  • 95843
Web
Hello, I hope you're doing well. I'm writing this compliant against the Certegy Payment Solutions , LLC. I tried to cash a check at XXXX. I was denied. The reason for the denial was that I didn't meet the acceptance guidelines. I haven't written a personal check in almost seven years. I would like a transaction removed from my report that was resolved. The see attached. There is no way this check from XX/XX/XXXX wasn't paid until XX/XX/XXXX. If this checks had been resolved why isn't this entire tradeline with XXXX removed. If any company that cashed checks and uses Certegy to VeriFLY the accuracy of my account. I will still come up flagged even though the issue of the check was resolved. I contacted XXXX. They don't have this check in there system. I would like this resolved item removed. My FCRA rights have been violated. Please clear my entire consumer report. I appreciate your time.
11/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information that should be on the report is missing
  • RI
  • 02879
Web Servicemember
Attempted to utilize check-cashing service at XXXX XXXX XXXX in XXXX XXXX XXXX RI on XXXX XXXX, XXXX The attendant entered the incorrect check number, omitting a digit. As a result, Certegy Check Services Inc. falsely labeled the check as an incorrect transaction and I couldn't cash my paycheck. I contacted Certegy directly, attempted to inform them the check number on the receipt did not match the number on the paycheck itself and that this is the reason the check failed to be cashed. I provided them with all relevant information, they refused to cancel the report or even include the information I provided in their report. My complaint is against Certegy Check Services IncXXXX XXXX XXXX XXXX XXXX, FL XXXX for refusing to include relevant information in their review of my financial transaction. They are carrying out a fraud against consumers. The receipt and check number are attached.
12/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • VA
  • 23188
Web
I have tried to cash checks on different times and different amounts from my insurance company and my payroll at different stores I have tried to open a bank account and was denied these services due to certegy reporting to the vendors and this has impacted my financial business and getting a bank account and a checking account.I have spoken with certegy on a number of times and been told the same story the check did not meet their criteria for cashing which is not true different insurance companies different amounts and a different vendor and they at certegy denied each check but the letter I received from certegy had nothing outstanding on it record this has impacted my financial business.I have explained Im in a bankruptcy and they were notified and they need to fix what ever they have in their system theirs nothing there they claim.But yet they keep denying my checks.please help
09/19/2019 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Confusing or missing disclosures
  • TN
  • 377XX
Web Older American
I received a Consumer File Disclosure Report from Certegy Payment Solutions , LLC on XX/XX/2019. It indicated that I had attempted to cash a check at XXXX XXXX for {$300.00} on XX/XX/19. The check number was XXXX. The recommendation to the client was " Not authorized-reason below ''. " This transaction received a decline recommendation from Certegy because it did not meet the acceptance guidelines, which may vary by check cashing location and transaction. Failure may include a combination of : the check number, dollar amount, check cashing history, or other transaction details. '' I called Certegy and advised them that I did not attempt this transaction and asked that it be investigated and then removed. I had indicated to them that I had had identity theft, but even with that said, I did not do this transaction. I haven't heard anything back from them.
10/07/2019 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Confusing or missing disclosures
  • TN
  • 377XX
Web Older American
I am a victim of identity theft and have worked hard to get inaccurate information from the credit reporting companies that are out there! I requested a report from Certegy and found 1 item that I was sure that was not mine. I asked them to remove it from my file. They refused. They said it was not a negative entry. First, it was not my check cashing transaction and it was noted, " Not authorized-reason below ''. " This transaction received a decline recommendation from Certegy because it did not meet the acceptance guidelines, which may vary by check cashing location and transaction. Factors may include a combination of the check number, dollar amount, check cashing history or other transaction details. '' I was not the person that presented this check to cash so I requested that it be removed, however each and every time I talked with them they refused.
01/15/2021 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Problem with customer service
  • FL
  • 33625
Web
My Name is XXXX XXXX, i use check cashing weekly at XXXX located at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX. Today i was declined a check cashing for no specific reason. This company Certegy has no customer service lines and no means to dispute. This has caused me to go other check cashing areas and wasting time away from work simply to cash a check. The number they provide to supposedly find out why gives you a list of reasons but not exactly why my check was declined. This is super frustrating being that I'm not rich and live paycheck to pay check. Companies like this need to be removed from check cashing world cause they don't provide any assistance but have every bit of power to not allow companies that have to deal with the customer face to face to cash check based off of " hmm today I'll decline you ''.
04/18/2019 Yes
  • Money transfer, virtual currency, or money service
  • Money order
  • Problem with customer service
  • WA
  • 98335
Web Servicemember
My Wife purchased a money from XXXX XXXX, # XXXX at XXXX XXXX XXXX XXXX XXXX on XX/XX/2019. On XX/XX/2019, she had returned to the same XXXX XXXX to cash out the money order. The department manager, XXXX could not cash out the money order because Certegy Check Services would not allow her to do so. My wife has not had an issue with getting money before. We were informed by the Manager at XXXX XXXX that we had to call Certegy and verify her information and everything would be ok. We called Certegy , they absolutely gave us the run around. They tried to give us many excuses as to why they wouldn't cash out the money order. We had explained the money order was purchased with cash, which was met with " We can not cover the cost of the money order ''. This is the same store where my wife had previously was able to get {$2000.00} in cash from them.
05/18/2021 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Confusing or misleading advertising or marketing
  • IL
  • 625XX
Web
I received a check from the U.S. Treasury department in the amount of {$1400.00}. I do not have a bank account and desperately need this money so I took the check and my government issued, valid I.D to my local XXXX grocery store. The employee at the customer service desk/money center immediately ask me to sign the back of the check. After doing so, I was asked to enter my social security number repeatedly on their debit machine. After approximately 5 minutes, the employee rudely informed me that they could not cash the check nor give me a reason as to why this decision was made. She handed me a XXXX receipt that had a phone number for " certegy '' listed on it. She told me " they will explain everything ''. I immediately called and was told even less than I already knew. I now have a {$1400.00} check I can not cash and have no idea why.
11/17/2018 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Problem with customer service
  • GA
  • 30813
Web
I attempted to pay for goods at XXXX with a personal check due to their credit card terminals malfunctioning, When the check ( {$68.00} ) was ran through it was declined with a note that provided no specifics, but gave me a number to Certegy, I called and requested a copy of my profile. The profile also did not indicate any outstanding judgements against me, only mentioned my check writing profile, possible check number, or that it exceeded the store parameters. What the XXXX does that mean. This incident was not only embarrassing, but as a consumer I have a right to know exactly what about my information would seem risky enough to decline a check. I also would like to know how the FTC allows them to be in business and " collect '' consumer information to make a judgement against them, however the consumer can not get any clear answers.
08/21/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Problem getting your free annual credit report
  • TX
  • 76904
Web Older American
I presented a check at a XXXX grocery store in XXXX XXXX, Tx on XXXX ( Check # XXXX XXXX for groceries for {$98.00}. They refused the check and told me I had to contact Certegy about the problem. I mailed a FACT Act Free Annual File Disclosure Request Form to Certegy on XXXX. I have not received any information from them. I did the request form on the phone with Certegy on XXXX File # XXXX and still have not received any information from them. The same day I mailed the FACT Act Form to Certegy, I also mailed a credit request form to all three of the credit reporting companies ( XXXX, XXXX and XXXX ) and have received all three reports back from these credit reporting companies. All my reports are in good standing. Certegy has NOT mailed me a report nor have they contacted me in any way about why they have refused to accept my checks.
08/16/2021 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Problem with customer service
  • TX
  • 786XX
Web Older American
I have EXCELLENT banking history. I have NEVER written a hot check and my account is well established ( 12 years old ). I tried to write a check at XXXX in XXXX, Tx and was denied. It was embarrassing and I had to put my groceries back because I did not have another form of payment on me at the time. I reached out to Certegy Payment Solutions for an explanation as to why my check was denied and they said " check number, dollar amount, check-writing history or other transaction details. '' They also noted that there were no outstanding items and/or proof. Yet, I am not allowed to write a check for what is clearly a mistake on their part. I have reached out to them directly by mail to investigate and clear my name. However, I was told to submit this claim. Please help me - they are holding me responsible for inaccurate information.
05/09/2023 Yes
  • Money transfer, virtual currency, or money service
  • Traveler's check or cashier's check
  • Problem with customer service
  • WA
  • 98107
Web
On XXXX XX/XX/2023, Certegy Check Services , Inc declined XXXX XXXX Cashier 's Check Number XXXX dated XXXX XX/XX/2023 at the Customer Service desk at the XXXX on XXXX XXXX XXXX XXXX in XXXX, WA. This is the first instance whereby any check cashing place declined and refused to cash a certified XXXX XXXX cashier 's check. Said issue raises red flags for a number of reasons. First, Certegy Check Services , Inc questions the integrity and solvency of XXXX XXXX Bank, which concerns me in light of recent bank failures. Second, Certegy Check Services , Inc refused to cash a certified XXXX XXXX check issued to a XXXX American woman. Certegy Check Services , Inc alerted all check cashing places not to cash any checks with my credentials. In essence, Certegy Check Services blacklisted me from cashing checks nationwide with zero reason.
03/11/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem with fraud alerts or security freezes
  • OH
  • 451XX
Web
Certegy Check Services {$410.00} XX/XX/2019 Merchant who uses Certegy service- XXXX XXXX , Kentucky They declined a check at a merchant when there were sufficient funds to cover the transaction. Upon being questioned why the check was declined they refused to give a legitimate answer the only answer they could come up with was that the transaction was denied based on the possibility that the computer algorithm they use deemed it necessary. They went on to further say that this had nothing to do with my credit worthiness or my account balance. This is a fraudulent service that uses no basis for their facts. And then they went on to further say that there was no way possible for them to reverse the actions that they have done by denying the check. Please shut this company down and protect the American public
10/23/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • XXXXX
Web
never received anything in the mail from this company. They never have said this was an attempt to collect a debt in any of their conversation. They refused to have a manager contact me. They refuse to send me a paid in full letter, They charged me {$60.00} per check. Which they had a total of 6 stop payment checks. Bank stopped payment in error. They refused to waive the Return check fee, even though it wasn't my fault. The people there don't seem like they know what they are doing. Different stories. spoke wit hXXXX ID XXXXXXXX. refused to allow me speak to a manager. Refused to give me a paid in letter, refused to give me a letter stating how much they charged me in fees. I also re guested for them to send me a letter who they were. Refused. Which should have been sent to PO BOX XXXX XXXX, GA XXXX
08/12/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • FL
  • 32712
Web
During the week of XX/XX/2019 I wrote a business check on XXXX XXXX to XXXX 's and it was declined by Certegy without a specific reason. My bank even wrote a letter to guaranty the payment of the check and it was still declined. Do not understand the reason for not accepting my check since my business has operated successfully for many years in the area and funds in the account were more than sufficient to cover the check. The bank is a relatively new bank in the community and they were unsuccessful in getting any information about why my check was declined. I have been unsuccessful in getting any information from XXXX concerning why my check was declined. XXXX 's was not helpful in the matter and said the decision was made by Certegy and they are required to follow their decision.
10/31/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • KY
  • 40211
Web Servicemember
On XX/XX/2021 Certegy declined a check that was written by me in a grocery store. After receiving the consumer report, there was not any information listed as to why the check was declined. At the end of the report, it states that information could have been received from XXXX XXXX XXXX XXXX. I contacted XXXX XXXX and again there was not anything in the file. No bad checks, nor is there a history of bad check writing in the file from the two companies. This reporting and suggesting declines is very embarrassing and humiliating. My credit report has a fraud alert and maybe this was the reason why however this experience could have been avoided if these companies would update their information and gather precise information needed to refuse.
10/14/2023 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Problem with customer service
  • VA
  • 24151
Web
Certegy Payment Solutions denied 13 out of 23 checks Intried cashing for no reason at all because there is nothing in my personal file yet thier customer service representatives are rude and liars. They keep saying it can be my file and they sent me my file and there's nothing bad in it. They also told me my check was not good when all checks I tried cashing with then or cashed with them were always good. The store says call the number but they just get rude with you and say can't cash it st any store have to take it to bank iynis writing off of. I live in remote area where we don't have XXXX XXXX XXXX etc and for no reason at all Certegy denies most of the checks I cashed in last 24 months even though every check I cashed was good.
05/12/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • UT
  • 84095
Web
In XX/XX/2020 I began receiving calls from a " collection company '' that would not identify itself regarding a " past due '' amount owed to XXXX for my business domain name. I called XXXX to inquire and they confirmed all of my accounts were current and that they do not use collection agencies. In XXXX I continued receiving phone calls from this collector, and today received an invoice from them : Certegy Payment Solutions , LLC, XXXX XXXX XXXX, XXXX, FL XXXX I know this is a scam but still have concern they can report this false information to credit bureaus. I don't want that headache! I'm not sure what you can do, there must be hundreds of scammers like this one, but wanted to report it anyway. Thank you, XXXX XXXX
09/30/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IL
  • 62025
Web
I received a letter in the mail today that was actually dated for XX/XX/2022 I didn't receive it until today which is XX/XX/2022 the dispute process says call or write to Us by XX/XX/XXXX and it's coincidence that I've reached it I received it a day after my deadline to reply with the dispute I think that's the unfair tactic but I am by anyways this was a business account that was paid for another business account and I don't know understand why it went on to my personal check writing I don't recall writing this check maybe a business partner reminder but why didn't you not going on just my personal check writing the XXXX number claim number is XXXX reference number is XXXX and the XXXX number is a XXXX number which is XXXX
07/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • PA
  • 178XX
Web
Certegy declined a check at XXXX on XXXX I have written checks at XXXX prior to this past year- I am a customer since the store opened. It is a business account and has ample funds. No one at Certegy could tell me exactly why my check was declined. I provided my drivers license. I have not been in the store for over a year due to COVID 19. I have a great credit score, own my home and vehicles. There is absolutely no just cause to decline my check at a store that I have a good relationship with. I have never had a check declined in my entire life until yesterday. It was embarrassing and wasted hours of my time trying to get a valid reason why. This company isn't doing XXXX and favors and will likely cost them, customers.
03/13/2023 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Problem with customer service
  • IN
  • 46410
Web
This company works with places like XXXX to either approve or decline check transactions that are " likely '' to clear or not. I have contacted them several times and I get these overseas reps who are rude and indignant. I ask WHAT is on my " file '' with them that is causing XXXX to decline cashing my check. They proceed to tell me that " THEY CAN NOT PROVIDE THAT INFORMATION TO ME ''! How does a place that has my full SSN, among other things, not allowed to disclose information to ME?! XXXX and XXXX were the most ignorant people I have ever dealt with. I requested my file and never received it and when I called back, they give me this XXXX script that dances around the question of WHAT IN MY FILE IS FRAUDULENT?
11/05/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 34786
Web
On XX/XX/2021 I wrote check # XXXX from my XXXX XXXX account in the amount of {$110.00} to XXXX XXXX for salon services. On XX/XX/XXXX I attempted to write a check to XXXX, who refused it saying my XXXX check was nsf. My bank has conducted 2 investigations, the outcome being they have never been presented the check for payment. I have contacted XXXX numerous times - at the local level and corporate, including the CEO and received no assistance. The local store manager said they have been paid, Certegy says it is a XXXX XXXX issue and XXXX XXXX can not look for something that has not surfaced. PLEASE HELP! I have NEVER bounced a check and at this time can not write a check anywhere else. I need my good name cleared.
01/12/2021 Yes
  • Money transfer, virtual currency, or money service
  • Money order
  • Problem with customer service
  • AZ
  • 853XX
Web
My tenant is having trouble paying her rent do to loss of job. She has been paying me in money orders. It hasn't been a problem until today, I went to cash two money orders from her. I used the same store that she purchased them from. They cashed the first one, but the second one they denied. They gave me a number to call, and it appears they are denying me because of my credit file. What's weird about that is, the money order was purchase with cash. It's prepaid, and I have nearly perfect credit, with a credit score exceeding XXXX. What the heck is going on? I don't have a lot of knowledge of this company or cashing money orders, but it appears this company is a scam, unethical, unprofessional, or all three.
12/19/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 94706
Web
I received a notice from Certegy Payment Solutions , LLC, dated XX/XX/2020, informing me of check cashing transactions that were attempted seemingly on my behalf. In this notice, they provide the last four digits of my " Government Issued ID Number '', i.e., Driver 's License, as well as the last four digits of my Social Security Number as " Consumer Identifiers ''. The inquiries noted in this document list tree separate transactions, all dated on XX/XX/2020, for different dollar amounts under {$1000.00} to the following " Certegy Clients '' : XXXX XXXX, XXXX XXXX, and XXXX XXXX. I did not perform any of these transactions, nor did I request any other entity to perform them on my behalf.
05/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 95843
Web
Hello, I have originally filed a complaint against Certegy on XX/XX/2023 complaint # XXXX. Then on XX/XX/2023 complaint # XXXX. In the first complaint verified they would totally remove the resolved item with XXXX on XX/XX/2023. Please see attached. I received an updated Consumer Report from the complaint on XXXX XXXX on XX/XX/2023 with the resolved item with XXXX still remaining. Please remove this entire Resolved item from with XXXX my consumer report as you previously stated by Certegy to be removed.. I have attach proof of your confirmation of the removal of the item as of XX/XX/2023. Please email me and mail me an updated Consumer Report past XX/XX/2023 with this entire section removed.
10/03/2022 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Problem with customer service
  • TN
  • 38128
Web
Certegy has my information flagged, denying me to cash a check or open checking account anywhere. XXXX, XXXX, XXXX, I went to XXXX, XXXX 's to cash a check. Both locations denied cashing check due to certify. I was given a ref #, XXXX, toll free number to contact Certegy XXXX. This is an automated system, that does not allow a consumer to ask questions, seak with a human being. Therefore, the pre arranged questions were unrelated, however, I still tried other options on hopes of speaking with a human, but there's no other option. I want a copy of my consumer file with Certegy emailed to me immediately. There is inaccurate information reporting in my file.
07/06/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • TX
  • 76016
Web Older American
Certegy Check Services did not OK an attempted check payment for {$210.00} at XXXX on XX/XX/2020, in XXXX Texas. When contacting this service I was informed that verification data required was not given. This happened because the store clerk at XXXX was unsure what bar code to scan from my drivers licence and I guess he scan the wrong area. Fine, after looking at my drivers licence, I would have been confused also. However, a few days later I was notified that my credit score was lowered 17 points. For sure, there was no other reason for my credit score to drop. I maintain a very high checking account balance and all my bills are paid before due dates.
03/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 318XX
Web Older American
I wrote a check at a XXXX XXXX and my check was declined. Date XX/XX/20 Control number XXXX I have written checks their before in the past. I don't write many checks. The amount was XXXX, they run the check and it went in the machine and stated it was declined, twice. I called with the account on the receipt to find out why it was declined. I entered all the information that was requested. I could not get a answer it would have to mailed to home address. I read the info and it stated under reason Not Authorized - reason below 04 A paragraph that does not explain the reason for declining. Also the following paragraph Shows no information on file.
05/11/2023 Yes
  • Money transfer, virtual currency, or money service
  • Traveler's check or cashier's check
  • Problem with customer service
  • WA
  • 98107
Web
Certegy Check Services XXXX XXXX declined to cash a company issued check # XXXX from XXXXXXXX XXXX XXXX XXXX on XXXX XX/XX/2023 at the Customer Service Center of XXXX XXXX. By blocking the transaction, Certify Check Services , XXXX implies that it will not honor company checks from a local company, XXXX XXXX XXXX XXXX XXXX. Furthermore, by declining the company check Certegy Check Services implied that the company issued check from XXXX XXXX XXXX, XXXX was fraudulent. This is completely implausible because XXXX XXXX XXXX, XXXX is a globally recognized company that issues checks to employees. Certegy never had any reason to delay or deny services.
03/07/2020 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • TX
  • 766XX
Web Servicemember
For the past year and a half I have been unable to write a check because of the bad references a company called Certegy has been giving retailers such as XXXX and XXXX here in XXXX, Texas. The information involves NSF checks that were paid off and also covered under my bankruptcy filed after the NSF checks were paid in full but remain on negative reports used to deny me the ability to write checks to this day. Certegy has been notified of my bankruptcy and continues to disregard the protections afforded me by the bankruptcy and the law that protects consumers after bankruptcy has been filed, such as reporting of debts incurred before the filing.
12/12/2021 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Problem with customer service
  • FL
  • 32907
Web Servicemember
On XX/XX/2021 I tried to write a check for cash at a XXXX supermarket and It was denied. this is the first time this has happened. I sent off for a report on me and it came back with no reason they denied the check. The same thing happened today XX/XX/2021 at a different XXXX. I have written many checks here over the years and have never had one returned or denied. They have wrong information on my list of checks I have written and I do not have a way to correct them since I can never speak to a live person. There is no reason for this and this company is going by wrong or no information. The company is Certegy. Both amounts were for {$77.00}.
03/18/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Didn't receive services that were advertised
  • CO
  • 801XX
Web Older American
Tried to write a check for groceries at XXXX XXXX for {$68.00}. The transaction was denied by Certergy Check Services ; a check verification service, without cause. On multiple attempts to find out why, the agents of Certegry, via phone provide no useful help or information. The date of the incident was XX/XX/2019. The location was XXXX XXXX XXXX, XXXX Colorado. I have shopped at this store for 10 tears and other branch stores for 40 years and have never had a problem. I have no history for financial problems and the account is valid and at least 20 years of active use with a positive balance and overwrite protection that has never been used.
04/04/2020 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Problem with customer service
  • IL
  • 628XX
Web
I went to XXXX to cash my payroll check which is from XXXX XXXX XXXX and it was declined. I live in a small town and XXXX is the only place to cash checks, I was not given a reason I was given a number, I called it it told me it was declined for reasons, no explanation. I would have to drive two hours to the nearest issuing bank. Because of this I will be homeless because my rent is due and about to be late, I've now worked at this job for three weeks basically for free. What's a person in a small town to do I barely have the gas to go back and forth to work and I can't get a person at the declining agency to answer. What's a person to do.
11/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 91325
Web
On XX/XX/2022, I went to XXXX to cash a settlement check for {$1300.00} made payable to me. I was denied by a credit reporting agency called, Certegy Check Services XXXX XXXX ( Adverse action ) I have a reference number. I never had a problem before cashing a check at XXXX. I don't know this Certegy Check Services. What does cashing a check payable to me have to do with any credit reporting agency? How is this legal? How is this fair? Why do I have to request my file now? How and why does Certegy have a file on me? What does any of this have to do with me cashing a settlement check? Why aren't they verifying that the check is good?
06/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MN
  • 55343
Web Servicemember
Attached is a letter from XXXX XXXX a Notice of XXXX XXXX of my personal information. The following transaction information listed on my XXXX File Report Tracking Number : XXXX is not my transaction information and is the result of the data breach and identity theft : XXXX, XX/XX/2023, XXXX XXXX XXXX, XX/XX/2023, XXXX XXXX XXXX XX/XX/2023 XXXX XXXX, XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023, XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023, XX/XX/2023, XX/XX/2023 XXXX XXXX XXXX XXXX, XX/XX/2023, XXXX XXXX XXXX, XX/XX/2023, XXXX XXXXXXXX XXXXXXXX XXXX XXXX XX/XX/2023
09/16/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem caused by your funds being low
  • Bounced checks or returned payments
  • FL
  • 323XX
Web
XX/XX/2019 {$20.00} declined on Sunday I was at work and tried to pay for dinner my check was declined by " Certegy '' no reason. Called the bank the next day, my account was OK no reason the decline. Called Certegy was told no real reason for decline. Was told I wrote a check the night before and the banks wouldn't have time to verify if I wrote another check????? Who is this company and where does it gives the right to decline a check if there is money in the bank?? Then when you call, they want ALL your info. driver 's lic. bank account numbers. who are they and what are they going to do with it???
09/10/2021 Yes
  • Money transfer, virtual currency, or money service
  • Money order
  • Problem with customer service
  • OK
  • 74074
Web
Received a money order from a person that had me work on their vehicle, and when I tried to cash it, it instantly got rejected, which made me be out of money out of gas in the XXXX parking lot with no service on my phone to contact anyone for help .... now getting turned into collections for something thats out of my control. AND when I call the number on the notice they sent me in the mail, its continues to say that number is not a working number... am I going to have to get a lawyer for all this because Im in the middle of something I have zero control of and I personally think its XXXX
10/29/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • XXXXX
Web
I have been cleaning all my consumer reports because I found out that there were accounts that were opened in my name that I did not authorize. While going over one report I was sent another report that had listed several checks that were written without my authorization. I am have been a victim of ID Fraud and this is an ongoing seems to be never ending saga in my life. There are several checks on this account that I want to dispute as fraud and removed as these are wrong and don't belong to. Once this is cleared up please send me an updated report with those items removed. Thank you
11/26/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • CA
  • 92592
Web
Certegy is a check cashing recommendation company.They alerted XXXX grocery store # XXXX on XX/XX/19 not to cash my check for XXXX. I had recently changed my account number because of a lost check. Since Certegy does not reference the old account to the new one my check writing history no longer existed and that it why they recommended not to cash the check. Certegy should be required by law to reference the change in account numbers as it must occur fairly frequently. Furthermore in this day and age it should be easy to electronically determine if funds are available in the account.
04/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • CO
  • 80022
Web
I have never had a credit card, checking account or any kind of account before and I am receiving numerous letters from various different places. I can not open any account of any kind or cash any checks or write any checks I can not even cash in money orders that I have the receipt for which is odd and outright insulting I can not believe that I out of millions of people am unable to do so I feel like something should be done about this I don't know how I am supposed to make a living while not being able to do anything that anyone else is able to do it is not right and it is not ok
10/23/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • XXXXX
Web
The bank-XXXX put accidentally a stop payment on 100 of my checks not 10. I wrote checks to XXXX who sent them to XXXX. XXXX has never sent me a written notification about the checks. They ran the payments thru my account a second time but charge me {$60.00} per checks fee. I paid the amount and requested for them to send me proof of payments and the amount I paid in return fee 's, they informed me 1st they don't send those type of letters. I then ask for them to send me the paid n full letter. they then told me their systems was down, after I demanded they send me the information.
01/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MN
  • 55343
Web Servicemember
Certegy Payment Solutions and XXXX XXXX is declining my personal and payroll checks for payment and cashing at XXXX retail stores, various other retail stores, and other check cashing companies. I dont know why Certegy or XXXX XXXX is declining and not approving for my checks to be cashed or presented for payment. I want Certegy and XXXX XXXX to immediately remove all restrictions from my consumer report and start authorizing and approving my payroll and personal checks to be cashed and presented for payment at all retail stores that use Certegy Payment Solutions and XXXX XXXX.
01/20/2021 Yes
  • Money transfer, virtual currency, or money service
  • Traveler's check or cashier's check
  • Problem with customer service
  • TX
  • 75080
Web
XX/XX/2021 I walked into XXXX to cash my US treasury Stimulus check XXXX $ Provided my state ID and social security number, they would not cash it. The reason was not given. I was denied by this company : Certegy check cashing I called the number provided on the recipes however the representative declined to give me any information on why It was denied. It seems odd that a us treasury check can be declined, as the funds are backed by the Us treasury, and electronic verification systems can instantly verify the validity of the check. I ended up having to go to XXXX instead.
08/22/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • NY
  • 117XX
Web
On XX/XX/2019 an unauthorized debit was made to our checking account in the amount of {$8500.00} The only information I have is that it was a credit card payment by phine to a company named Certegy Check Services telephone # XXXX I tried reaching out to company and no one picks up phone or returns my calls when messages are left. My bank which is XXXX tells me there is nothing they can do. This is very frustrating because it may just be a matter of someone entering wrong account number but I can't seem to get any information at all. This is a business checking account
01/05/2021 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Confusing or missing disclosures
  • WI
  • 53713
Web
Certegy Payment Solutions had sent me my consumer file report and I have no negative information on file. This company is not letting me cash a refund check that I got from XXXX that is 100 % Valid, they even told me on the phone that i should be able to cash a check but it got denied and when i called them they said it can because " risk factor '' or the check is bad which isnt correct at all, I have attached file so you all can see the report from them i think they still have something in the background of their system thats not letting me cash checks.
11/09/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Cashing a check
  • IL
  • 62801
Web
I went to XXXX XXXX in XXXX IL to cash a check for cash to go and wash clothes and my check was declined by this bunch of crooks XXXX XXXX XXXX who I have reported for the same in the past as gave thousands of others but they continue to stalk, harass and report incorrect information on myself and thousands of others across the country to prevent us from being able to have access to our accounts or use our funds!!!! Contact them now and make them remove my information from their system!! I am also contacting a lawyer about suing them!!!
04/15/2019 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Problem with customer service
  • XXXXX
Web
On XX/XX/2019 I tried to cash a refund check for {$540.00} from the state of California. It was declined, and I was refused any reason or any kind of answer of why from Certegy, except go somewhere else. Although I tried three times, receiving 3 reference numbers, they were unable to bring it up on their system though their system was still declining and issuing out reference numbers. After over an hour of asking for a supervisor I was finally connected with one to tell me Im more than welcome to go somewhere else.
12/17/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • TX
  • 76227
Web Older American, Servicemember
On three different occasions I tried to either cash or use a check, but was denied by information from Certegy. XX/XX/2019 at XXXX XXXX tried to cash a {$190.00} check decline recommendation from Certegy, factors include check number, dollar amount, check cashing history. XX/XX/2019 at XXXX XXXX tried to pay for items with a joint personal check account that my wife has used in that store. Denied on recommendation from Certegy, factors include check number, dollar amount, check cashing history.
05/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 310XX
Web Older American, Servicemember
On XX/XX/2022 around XXXX XXXX, I purchased a XXXX for {$300.00} at XXXX with a personal check. The check was declined by Certegy ( XXXX ) a third party that XXXX uses to ok checks. The phone system tells you your information is only on file for 21 days. I spent three days trying to navigate the telephone menu before I was able to speak to someone. I was told I would receive my information in 16 business days. That will be too late to file a complaint with Certegy. Certegy needs to be shut down.
05/05/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 604XX
Web
So last year in 2020 of XXXX I lost my state Identification card and social security card. I checked my credit but yet nothing new was reported on my credit but I recently just checked my credit and there is new things on my credit that seems fishy and I have no clue what it is or where its from but I know that someone is using my identity to try and open loans and get checks and finance furniture in my name Ive Locked my credit and Ive even tried disputing the inquiries but it wont let me
12/01/2021 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Confusing or missing disclosures
  • TX
  • 76548
Web
Twice I attempted to cash a Texas XXXX XXXX check at XXXX XXXX and XXXX, both declined for reason XXXX : The transaction did not meet acceptance guidelines. When I requested and received my file disclosure report to explain why the check cashing was declined, it states : NO INFORMATION ON FILE. I am filing a complaint because whatever is hindering my check cashing needs to be removed and because this has caused tremendous inconveniences and costs regarding the cashing of this check.
11/06/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19355
Web
Received a letter twice from Certegy which claimed I owed XXXX XXXX XXXX. I checked with XXXX and they told me these people are scammers and that I do not owe this money to XXXX I called certegy and the person asked me for my credit card number right away. Then she asked me for my drivers license number. I told her she was a scammer and she got off the phone right away. How can these people live with themselves? The phone number I called is XXXX XXXX XXXX XXXX XXXX, FL XXXX
01/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • KY
  • 42701
Web
certegy keeps declining my checks I have written to XXXX. XX/XX/XXXX for {$120.00} XX/XX/XXXX for {$21.00} XX/XX/XXXX for {$130.00} XX/XX/XXXX for {$86.00} XX/XX/XXXX for {$33.00} XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX XXXX for XXXX XX/XX/XXXX for XXXX Used my debit card after they declined my check. XXXX and I have contacted Certegy but not getting any results They sent me a consumer file disclosure report prepared on XXXX that really didn't tell me why they declined them.
06/20/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • SC
  • 29455
Web
On XX/XX/20 I wrote a check to XXXX XXXX for {$140.00}. Certegy declined my check, reference number XXXX. I called my bank, XXXX XXXX XXXX and they could see no reason my check was declined. I can not get anyone at Certegy to talk to me and the online system gave no specific reason why it was declined. Other vendors accept my checks, XXXX being a good example. I had to ask XXXX XXXX XXXX for a replacement debit card which is why I am using checks instead of a debit card.
02/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • NV
  • 89107
Web
I have been trying to place a freeze on my personal consumer information but they have made it difficult for me to do so. I want this done because they furnish my personal information to 3rd parties without my consent. I also understand my rights under federal law. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
10/10/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • IL
  • 615XX
Web
purchased XXXX from XXXX XXXX XXXX in XXXX, il on XX/XX/. they took out electronic and then when the check got stuck in the reader the got it out after i left and than took it to the bank and deposited it, so than it came out again on XX/XX/. we i called them the said it would be taken care of in 7 days. it was not so i went to my bank and they took care of it. now they turned the check into a collection agency, so now i can't write checks anywhere. they are thieves.
12/23/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • MI
  • 48042
Web
Summary of declined check at XXXX Date declined XX/XX/2018 time XXXX XXXX Personal information : Check # XXXX amount {$230.00} Supplied receipt of denial with Certegy contact info and procedure to request report. Request made on XX/XX/2018 confirmation number given Received report CONSUMER FILE DISCLOSURE REPORT from Certegy XX/XX/2018 Contacted Certegy and XXXX by phone XX/XX/2018 to inquire as to details within report. No clear reason could be given for denial.
06/01/2021 Yes
  • Money transfer, virtual currency, or money service
  • Money order
  • Problem with customer service
  • MI
  • 48185
Web
I had a prepaid money order from XXXX didnt need it to pay a bill so I wanted to cash it in my name, the company that they use Certigy declined it. So I ask to have my file sent to me, once I received it, the information that declined my money order is totally wrong, never had a check, and never went to XXXX to cash a check as they refer to why they declined the money order, they are wrong in the reason and I would like to why and how they got the wrong info
03/05/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • XXXXX
Web Servicemember
ACCOUNT # XXXX Was denied check acceptance so i contact the third party reporting agency and was told had and outstanding check from XX/XX/2015 I then stated this was not mine and had to be an error company has not properly investigated this information and continues to report not only inaccurate information but outdated information that should have been deleted from report due to time limits on reporting such items in the state of California
12/17/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • PA
  • 180XX
Web Servicemember
CERTEGY is saying I have a negative mark on my check writing history from XXXX XXXX is showing the check cleared. XXXX will not help me deal with CERTEGY. Certegy will not help me deal with XXXX. I cmt write checks and I should be able to. The check cleared and both XXXX and certegy are holding my money hostage. Check amount XXXX Check number XXXX Date written XXXX Date cleared my bank XXXX Drivers license number XXXX
06/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CO
  • 806XX
Web Older American
A company named CERTGY has repeatedly tried to collect {$40.00} saying a company by the name of XXXX XXXX XXXX and check # XXXX dated XX/XX/22 was denied payment. We checked with the company XXXX XXXX and we owe them nothing, in addition we have no checks with that # associated with our bank. CERTGY can not verify its legitimacy and demands access to our bank. We will never give bank information on the phone to anyone.
12/10/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • LA
  • 70433
Web
This company is reporting my uncles information to my XXXX XXXX report. For illustration purposes I have provided my uncles drivers license. I have full permission and authorization to have my uncles license. He provided it to me to send to you guys. I have been a XXXX resident for years. The license you have connected to me XXXX XXXX report is my uncles. I have never written a check at XXXX. There are no XXXX in XXXX
04/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • TX
  • 75044
Web Older American
I tried to cash a check at XXXX and it was declined. I was given minimal information. I have never written checks at this store in over 15 years. I can't speak to anyone at the company. I called the told free number to speak with someone, they could not give men any information. So I ask to speak to a Manger, was place oh hold for over 10 mins, then the called ended No one could tell me why the check was declined
10/25/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IN
  • 46902
Web
Upon pulling my XXXX report, I noticed that Certegy has placed upon my credit file a Check that is reportedly unpaid to " XXXX ''. First and foremost, I have NOT written a check to XXXX ; I have not had XXXX services in quite some time, in fact. Moreover, and and all names and addresses that are being reported by Certegy are factually incorrect ; only my current address is valid and my current name is used.
06/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MN
  • 55343
Web Servicemember
I am a victim of identity theft. Theres negative and adverse information listed on my Certegy Consumer Report and the information is fraudulent, not my information and dont belong to me. I have attached a document for proof that I was XXXX for 17 years, so I shouldnt have any adverse or negative accounts or information listed on my Certegy Consumer Report. I should have a clean and positive consumer report.
02/10/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • XXXXX
Web Servicemember
XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I have attempted to resolve my accounts with Certegy. This company is by far the worse company to do business with. They lie. They lie and practice fraudulent tactics. They place things on your report that are NOT accurate and then never remove it. They have devastating consequences on people and peoples lives. They refuse to remove information that is NOT mine.
02/17/2019 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Confusing or missing disclosures
  • MO
  • 644XX
Web
Twice I've tried to cash checks at XXXX. Reasons for denial is never explained. XXXX uses Certegy Check Services. After contacting Certegy, which is the number XXXX gave me. I received a letter stating declined and accepted checks cashed but no reason of why the declined. I have letter. No where on it does it state why they reported negative against me. In fact it says No information on file.
09/22/2020 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Unexpected or other fees
  • WA
  • 98387
Web
I went to cash a check at XXXX XXXX it said it wouldn't let me so they gave me a number to call. I called the number they asked for my social security number and when I tried to speak it into the phone it put XXXX but the last 4 of my social security number is XXXX I need that to ne corrected as they social security number on file is incorrect and is off one number
12/28/2020 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Problem with customer service
  • AL
  • 36116
Web
XXXX keeps declining my paychecks. I have had a few bad checks there but that was over 10 years ago and they were all paid. I was the victim of identity theft and im sick if not being able to cadh my paychrcks myself. I can't get a normal bank account because of this very reason. I think it us wrong that I can not cash my check to us 100 percent guaranteed.
08/31/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 625XX
Web Older American, Servicemember
certegy recommended decline payment transactions because their record indicate that there is negative information.That is blacklisting as seen on outstanding items there is no information on file. Federal law protects Social security and pensions and XXXX from collections, as banking regulations protect the account into which fedral funds are deposited
05/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Old information reappears or never goes away
  • CA
  • 95843
Web
Hello Sirs, I originally filed a complaint against Certegy regarding a paid item reported by XXXX on my consumer report. This items is scheduled to be removed on XXXX XXXX. The initial complaint number is XXXX. The Certegy reference number is XXXX. It's now XX/XX/2023. I would like a copy of a update consumer report removing this item with XXXX.
02/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MN
  • 55343
Web Servicemember
The following inquiries listed on my Certegy Consumer File Disclosure Report Tracking Number : XXXX is fraudulent and unauthorized inquiries : XX/XX/2020, {$130.00}, Check Number : XXXX, XXXX XXXX XXXX, XX/XX/2020, {$130.00}, XXXX XXXX XXXX, the inquiries, check number and checking account is fraudulent and not mine.
12/10/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75048
Web Servicemember
On XX/XX/2019, we attempted to pay for groceries from XXXX. The check was declined by Certegy do to derogatory information. I made contact with Certegy to obtain my report. When I received the report it contained nothing. But they, Certegy or XXXX cant explain why our check was denied.
06/19/2020 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Problem with customer service
  • KY
  • 40241
Web
I tried numerous times to cash my check at XXXX and XXXX establishments. Then I tried cashing my check it would return my check in print out a receipt stating that I could not cash my check and that I would have to call Certegy company to figure out why they are not cashing my checks.
04/30/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • FL
  • 33647
Web
The agency reported that check XXXX which I made payable to XXXX was not paid the date the agency answered original complaint however enclosed I have document that check pas paid XX/XX/24 the rate check was resubmitted to my bank requested Certegy correct there reporting immediately
01/20/2024 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • NM
  • 871XX
Web
As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.
07/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • MI
  • 48071
Web Servicemember
The main point is that XXXX XXXX XXXX in XXXX, MI have a freeze on my ACH transfers, credit reporting issues and check writing privileges. The VIP section of the casino will not authorize any of my winnings nor at other casinos. Under the fair XXXX the report is inaccurate.
06/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 34744
Web
Dear CFPB Staff, XXXX XXXX XXXX is reporting fraudulent information on our credit scores with the various Credit Bureaus. They are attempt to collect a {$300.00} from XXXX. That is an error or outright fraud as the device in question was long ago returned to XXXX.
07/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 37659
Web Older American
XXXX XXXX, check sent for XXXX and sent back from XXXX because Id so-called negative info from agency called Certegy. Every time try to call them always repeat my info wrong and impossible to reach. Have sent letter to Certegy because they can not get info correct.
08/19/2022 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Unexpected or other fees
  • FL
  • 33312
Web
I submitted a complaint against XXXX XXXX in regards being charged returned check fee multiple times for checks and returned fees for checks returned fees that were resubmitted to my XXXX XXXX XXXX XXXX checking account. This is my complaint number : XXXX.
02/02/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • MI
  • 488XX
Web
XXXX XX/XX/2022. Check amount XXXX. XXXX XXXXXXXX XXXX Certegy declined check. Why? Called my bank and they are not happy with you. Went to XXXX and did not have an issue. So won't be using your customer, XXXX again. XXXX XXXX XXXX XXXX XXXX
07/15/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • CA
  • 90222
Web
On XX/XX/2020 I went to try to cash a check for XXXX and my transaction wasn't authorized I received a letter saying that I have an outstanding Item which may have been reported to XXXX XXXX , XXXX but there's no information on what was reported.
04/24/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • FL
  • 33647
Web
I gave XXXX two check with her both cashed and merchant received the money from my bank account yet Certegy check services states check were still unpaid. I have attach copy of paid transaction from my bank showing checks were paid to merchant.
03/28/2023 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Confusing or missing disclosures
  • TN
  • 373XX
Web
Certegy check services XXXX $ check denied XX/XX/XXXX Cashed a couple before it. Denied cashing a XXXX $ check onXXXX. mailed off for my consumer disclosure report and it came back empty. So why was I turned down?
12/28/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Problem with product or service terms changing
  • IL
  • 625XX
Web Servicemember
Check was declined because of Certegy authentication failed. The validation report provided acknowledges they dont have access to my account balance. How can they decline checks without knowing my account balance?
05/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • GA
  • 302XX
Web
Was denied the ability to cash a check based on information provided by Certegy. Requested my file and there is nothing in the file, so not sure why the transaction was denied and how to resolve this again.
07/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IA
  • 526XX
Web
Certegy won't cash my check because of a credit report. XXXX XXXX XXXX in XXXX XXXX Iowa uses CERTEGY for what purpose? I want asking for a loan. So why does my credit report have any involvement,?
04/02/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • PA
  • 16509
Web
I received a report from certegy. It states that I wrote a check to XXXX XXXX for {$26.00} on XXXX XXXXThis is incorrect.I do not write checks to XXXX XXXXThis is an error.
06/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • VA
  • 22033
Web
Certegy Payment Solutions , LLC provided a denial code to XXXX and XXXX regarding cashing a payroll check. Information in the certery file is outdated and incorrect.
03/02/2021 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Problem with customer service
  • IN
  • 46410
Web
Company not giving specific reasons why check cashing was declined. Never had an issue before and now theyre giving an inaccurate reason that doesnt apply to me.
10/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Problem getting your free annual credit report
  • FL
  • 32256
Web Servicemember
Certegy failed to provide a copy of my report. I would like a copy of my report immediately to determine if accurate information is being reported per FCRA.
01/09/2021 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Confusing or misleading advertising or marketing
  • TN
  • 378XX
Web
XX/XX/2021. {$220.00} wrote a check for groceries at local XXXX the check # XXXX XXXX declined Contacted CERTEGY they could give No reason why
04/03/2019 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Problem with customer service
  • VA
  • 24112
Web
Certegy declined my check on the date of XX/XX/19 in the amount of XXXX Social security number:XXXX Check number:XXXX Reference number : XXXX
05/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Problem getting your free annual credit report
  • MN
  • 55343
Web Servicemember
I want XXXX XXXX, Certegy, and XXXX XXXX to send me a full and complete copy of my Consumer Report.
05/31/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Problem getting your free annual credit report
  • MN
  • 55343
Web Servicemember
I am having an issue getting my XXXX, XXXX XXXX and Certegy credit report.
02/05/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 951XX
Web
01/22/2024 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • WI
  • 549XX
Web Older American
01/12/2024 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30047
Web
01/09/2024 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • OH
  • 43986
Phone Older American
01/04/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 71108
Web
01/02/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32514
Web
01/02/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 07002
Web
01/02/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 07305
Web
01/01/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30344
Web
01/01/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 78628
Web
01/01/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 78628
Web
12/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • MO
  • 64119
Web Older American
11/16/2023 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Fraud or scam
  • GA
  • 30132
Web
11/15/2023 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Problem with customer service
  • AR
  • 71635
Web
11/08/2023 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Confusing or missing disclosures
  • FL
  • 33414
Phone
10/31/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76002
Web
10/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • TX
  • 77077
Web
10/19/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76063
Web
10/16/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19013
Web
10/11/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76063
Web
10/03/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 18901
Postal mail Older American
09/18/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60477
Web
09/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 94531
Web
08/25/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • OH
  • 45248
Postal mail
07/22/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem making or receiving payments
  • KS
  • 66211
Web
07/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • TN
  • 37814
Web
06/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 76063
Web
06/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MN
  • 55350
Phone
05/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • AL
  • 36125
Postal mail
05/11/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • TX
  • 75098
Phone Older American
05/01/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • VA
  • 23188
Postal mail
04/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Received unsolicited financial product or insurance offers after opting out
  • OH
  • 43612
Web Servicemember
03/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • TN
  • 37135
Referral
03/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 21202
Web
03/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • MN
  • 55347
Web
03/02/2023 Yes
  • Money transfer, virtual currency, or money service
  • Money order
  • Problem with customer service
  • TN
  • 38126
Phone
02/27/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • MI
  • 48185
Phone
02/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30035
Web
02/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 27021
Phone
02/24/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 20784
Web
01/24/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 96021
Web
01/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • 37214
Web
12/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • MD
  • 20735
Web
12/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • MD
  • 206XX
Web
12/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • NE
  • 68956
Web
12/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NM
  • 87829
Web Servicemember
11/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NM
  • 87829
Web Servicemember
11/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • AZ
  • 85338
Web
11/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • OH
  • 45150
Web
11/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Problem getting your free annual credit report
  • TX
  • XXXXX
Web
11/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 61732
Web Servicemember
10/25/2022 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Problem with customer service
  • CT
  • 06460
Web Referral
10/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • KS
  • 672XX
Web
10/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MA
  • 02045
Web
10/01/2022 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Fraud or scam
  • MS
  • 39212
Web Servicemember
09/27/2022 Yes
  • Money transfer, virtual currency, or money service
  • Traveler's check or cashier's check
  • Problem with customer service
  • WV
  • 25177
Phone Older American
09/15/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MD
  • 20744
Phone Older American
08/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • IN
  • 46406
Web
08/01/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • KS
  • 67206
Postal mail
07/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MA
  • 02150
Web
05/16/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • PA
  • 15009
Phone
04/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • NV
  • 89502
Web Servicemember
04/12/2022 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Problem with customer service
  • AR
  • 72023
Postal mail
03/25/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • TN
  • 37167
Phone
03/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • NJ
  • 07013
Web
03/03/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • NV
  • 89102
Phone Older American
02/09/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • AL
  • 35979
Referral
02/08/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 77708
Postal mail
02/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • WI
  • 53223
Web
02/02/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • TX
  • 77708
Referral
01/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 75142
Web
01/20/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • OH
  • 43015
Web
01/18/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • FL
  • 32244
Postal mail
01/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • WA
  • 990XX
Web Servicemember
12/23/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 78259
Web Older American
12/14/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 78259
Phone Older American
12/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Problem getting your free annual credit report
  • IN
  • 46268
Web
11/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • IN
  • 46250
Web
11/02/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • WA
  • 98926
Postal mail
10/27/2021 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • IN
  • 46268
Web
10/01/2021 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Problem with customer service
  • WA
  • 98506
Web
09/29/2021 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Problem with customer service
  • IA
  • 52804
Phone
09/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 76063
Web
09/08/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • TN
  • 38565
Referral
08/31/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • AR
  • 72835
Phone
08/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • OH
  • 44105
Web
08/14/2021 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Problem with customer service
  • CA
  • 92504
Web
07/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • IL
  • 61764
Web
07/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 35748
Postal mail
07/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32583
Web
07/02/2021 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Fraud or scam
  • OK
  • 73072
Web
05/28/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02631
Web
05/18/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 48161
Referral Older American
05/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Identity theft protection or other monitoring services
  • Billing dispute for services
Phone
04/28/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • OH
  • 43912
Postal mail
04/20/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • MI
  • 49454
Postal mail
04/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • GA
  • 30046
Web
04/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • MD
  • 20850
Web
04/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 44306
Web
04/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • GA
  • 30666
Web
04/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • GA
  • 30666
Web
04/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • GA
  • 30046
Web
04/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • GA
  • 30350
Web
04/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • GA
  • 30168
Web
04/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • GA
  • 30350
Web
04/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • VA
  • 23234
Web
04/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • NJ
  • 07305
Web
04/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • NY
  • 10466
Web
04/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • NY
  • 11213
Web
04/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • FL
  • 33441
Web
04/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • GA
  • 30122
Web
04/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • FL
  • 33065
Web
04/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 33060
Web
04/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • FL
  • 34474
Web
04/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • TX
  • 77493
Web
04/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • MD
  • 21061
Web
04/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • NV
  • 89135
Web
04/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • FL
  • 33966
Web
04/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • FL
  • 32818
Web
04/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • CA
  • 92603
Web
04/02/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AL
  • 35815
Web
04/01/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • GA
  • 30188
Phone Older American
03/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • IL
  • 61761
Web
03/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30022
Web
03/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 95112
Web
03/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91342
Web
03/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 93722
Web
03/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
Phone Servicemember
03/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Problem getting your free annual credit report
  • PA
  • 15142
Web
03/03/2021 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Problem with customer service
Phone
02/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • OR
  • 97206
Web
02/03/2021 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Confusing or missing disclosures
  • AZ
  • 85212
Web
02/01/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • MT
  • 59103
Web
01/21/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Cashing a check
  • TN
  • 37939
Phone Older American
01/20/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 49080
Web
11/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Public record information inaccurate
  • NC
  • 27512
Web
11/04/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WA
  • 98204
Referral
10/22/2020 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem making or receiving payments
  • OK
  • 73112
Postal mail
10/16/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NC
  • 28216
Web
09/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 27512
Phone
08/27/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • MO
  • 63134
Phone Servicemember
08/25/2020 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem making or receiving payments
  • WV
  • 25653
Postal mail
07/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • CA
  • 95403
Web
07/27/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • SC
  • 29445
Postal mail
07/08/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
Phone
07/07/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other service problem
  • ID
  • 83402
Phone
07/02/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • MI
  • 49677
Referral
07/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Problem getting your free annual credit report
  • FL
  • 32536
Web Servicemember
06/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • KY
  • 40517
Phone
05/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32177
Web
05/21/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • MO
  • 63343
Web Older American, Servicemember
05/14/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19138
Web
05/11/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
Phone
05/11/2020 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Cashing a check
  • AR
  • 72653
Postal mail
04/18/2020 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Unexpected or other fees
  • OK
  • 73601
Web
04/17/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
Phone
03/11/2020 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Banking errors
  • MD
  • 21152
Referral
03/10/2020 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem making or receiving payments
  • TX
  • 77840
Postal mail
03/10/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • TX
  • 77840
Postal mail
02/05/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • KY
  • 40241
Postal mail
02/03/2020 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Problem with customer service
  • NC
  • 28215
Phone Older American
01/16/2020 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Problem with customer service
  • CO
  • 80011
Web
01/09/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 90045
Referral
01/06/2020 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Confusing or missing disclosures
  • HI
  • 96753
Web
01/06/2020 Yes
  • Money transfer, virtual currency, or money service
  • Money order
  • Problem with customer service
  • ID
  • 83864
Web
12/17/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Cashing a check
  • OK
  • 73439
Phone Older American
12/10/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • NM
  • 87547
Postal mail
11/26/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Personal information incorrect
  • GA
  • 31558
Phone Older American
11/07/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 38450
Postal mail
10/24/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem making or receiving payments
  • CA
  • 93456
Postal mail Older American
10/17/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 13811
Referral
10/14/2019 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Fraud or scam
  • MS
  • 39212
Web Servicemember
10/13/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • OH
  • 45240
Web
10/11/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • FL
  • 32350
Referral
10/11/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30047
Referral Older American
10/06/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92881
Web
10/05/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MS
  • 38701
Web Older American
09/21/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • FL
  • 33330
Web
09/17/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • TX
  • 77006
Postal mail
09/12/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • FL
  • 33330
Web
09/06/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Funds not handled or disbursed as instructed
Phone Older American, Servicemember
09/06/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32177
Web
08/20/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 21208
Web Servicemember
08/19/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • CO
  • 80247
Referral
08/15/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
Phone
08/13/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • VA
  • 20147
Web Servicemember
08/12/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem making or receiving payments
  • IL
  • 60465
Referral
08/07/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60914
Referral
08/02/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 33431
Phone
07/22/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
Phone Older American, Servicemember
07/18/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Problem adding money
  • WI
  • 549XX
Web
07/17/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • FL
  • 32536
Phone Servicemember
07/16/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • PA
  • 15701
Referral
06/18/2019 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Problem with customer service
  • GA
  • 30236
Referral
06/13/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • WA
  • 99336
Referral
05/30/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • WA
  • 99336
Referral
05/29/2019 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Problem with customer service
  • TX
  • 75035
Web
05/20/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • FL
  • 34997
Web Older American
05/08/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • GA
  • 31794
Web
04/29/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • MS
  • 39667
Web Servicemember
04/15/2019 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Problem with customer service
  • NC
  • 27262
Web
04/05/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • CA
  • 90016
Postal mail
04/02/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • VA
  • 23434
Referral
03/03/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • GA
  • 30038
Web
02/22/2019 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • FL
  • 32177
Web
02/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32177
Web
02/06/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32177
Web
01/03/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MO
  • 63020
Phone Servicemember
12/29/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32177
Web
12/21/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 95616
Web
12/15/2018 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Fraud or scam
  • MI
  • 48221
Web
12/10/2018 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Fraud or scam
  • AZ
  • 86429
Web
12/03/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • MS
  • 39209
Referral
11/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TN
  • 37115
Web
11/20/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OR
  • 97304
Referral
11/15/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • OR
  • 97304
Referral
11/15/2018 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Problem with customer service
  • MI
  • 48422
Phone
11/08/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30268
Web
10/31/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
Phone
10/30/2018 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Problem with customer service
  • MI
  • 48422
Phone
10/30/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • IL
  • 60538
Referral
10/22/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TN
  • 37027
Web Older American
10/19/2018 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem making or receiving payments
  • PA
  • 19064
Referral
10/11/2018 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • MO
  • 64060
Postal mail