Business Profile
Check Cashing Services
Certegy Payment Solutions, LLCThis business is NOT BBB Accredited.
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Complaints
This profile includes complaints for Certegy Payment Solutions, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 197 total complaints in the last 3 years.
- 46 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:08/07/2025
Type:Customer Service IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Close to Xmas 2024 I made a catalogue order with Pyramid Collection with who I have had a long history of doing business.However, for the FIRST time, they rejected my ******** the envelope of my returned check Pyramid Collection inclosed a small Certegy business card instructed me to contact concerning WHY my order was refused. It was NOT easy or smooth to try to get in touch with Certegy.After difficult struggle I ended up calling Pyramid Collection they told me the reason for the denial is 'Certegy does NOT guarantee my check'. For the FIRST time of being in ************* since 1974 and doing business with Pyramid Collection for more than 10 years, it is shocking and maddening.Since calling is very difficult, so I sent Certegy a letter. Their reply is very shabby, evasive, and ************ has been more than 6 months now, all my writings either not answered or lost. My last attempt in May was returned again for 'Not Deliverable'. The address they show on the reply letter, the address on the envelop, and the address on the Internet are ALL different.I am turning to you to help me in finding out WHAT base Certegy based upon to 'not guarantee my check'.The bank account is established for a long time.The fund is readily available.I don't EVER have had issued bad checks.And Certegy lied about merchant listed.I contacted one **** ***** they told me they DON'T even use ************************* HOW did Certegy go the records of my transactions with **** ***** which did not complete due to 'Out Of Stock' or 'Discontinued' NOT because of Certegy's Not Guarantee of Payment.Business Response
Date: 08/11/2025
Certegy Payment Solutions, LLC
PO Box 908
****************************
August 11, 2025
********* *****
***** ******* DR
****, TX 77494
Re: BBB Complaint Case Number ******** ********* *****
Certegy Case Number ******
This is written in response to your recent complaint.
To provide some background information, Certegy Payment Solutions, LLC (Certegy), is an authorization services company. Certegys clients utilize our services to help reduce losses incurred through the retail practice of payment acceptance. For some clients, Certegy assumes payment responsibility should an authorized transaction be dishonored by a check writers bank.
Unfortunately, we were unable to research your complaint or locate any data in our system based on the information provided. Without additional information to research the transaction we are temporarily unable to complete your request. In order to provide assistance, please provide the following information:
Drivers License Number ______________________________________
State of Issue ______________________________________
Bank Account Number ______________________________________
Bank Routing Number ______________________________________
This information may be provided by mail at the address listed above in our letterhead, by fax at ************, or by telephone at ************. Please reference Case #****** to assist the agent in identifying your original complaint.
Once this information is received, we will be able to research the information and respond accordingly.
Sincerely,
Customer Care Department
******************************************* **********************, LLCInitial Complaint
Date:08/05/2025
Type:Delivery IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Certegy is an unprofessional sham! I ***** only received voicemails from them, not any statements yet they turned me over to collections. I called and spoke to a *** yesterday who was vague and claimed that they didnt know of FirstSource received my payment and that I should call them. She later left me a voicemail that she researched it and they did receive my payment. Still nothing about balance owed.Business Response
Date: 08/11/2025
Certegy Payment Solutions, LLC
PO Box 908
****************************
August 11, 2025
******** ******************
, NC 27522
Re: BBB Complaint Case Number ******** ******** ******************
Certegy Case Number 897585
This is written in response to the above referenced complaint.
To provide some background, Certegy Payments Solutions, LLC (Certegy), is an authorization services company. Certegys clients utilize our services to help reduce losses incurred through retail practice of check or Automated Clearing House (ACH) transaction acceptance. For some clients involved in these transactions, Certegy may assume payment responsibility should an authorized transaction be dishonored by the check writers bank. When a check or ACH is returned unpaid, it is forwarded to Certegy, who in turns purchases the payment and initiates collection actions through a collection agency.
Using the information provided by our client, Vagaro (The ********************), Certegy authorized a BuyNow, ******** transaction in the amount of $44.10 on June 13, 2025. BuyNow, PayLater transactions are divided equally into 2 payments of $11.03 and 2 payments of $11.02, a single payment is due every 2 weeks. When the payments were returned by the financial institution as Unable to Locate, the returned items entered our files on June 19, 2025 [claim *******]; July 3, 2025 [claim ********]; July 17, 2025 [claim ********]; on July 31, 2025 [claim ********], respectively. An Unable to Locate account reason indicates an input error or miscommunication occurred when referencing your financial institutions routing and account number. The claims were then forwarded to a collection agency, ***********.
On August 4, 2025, Certegy called Ms. ****************** and left a voicemail message. When Ms. ****** *********** returned the call and spoke with our ACH Admin, she stated that she did not wish to submit a payment over the phone but would mail a payment to Certegy. Additionally, she indicated that she sent a payment to Firstsource for $36, that was deposited on July 23, 2025. On August 5, 2025, Ms. ****************** called Certegy and left a voicemail wishing to settle her balance with Certegy. Our ACH Admin returned her call and provided the total amount owed of $108.07 and the claim numbers to reference with the payment.
Our records reflect that we have received payment for the first claim ********, which posted on July 22, 2025.
Claims ********, ******* and ******** remain outstanding at the time of this response.
If Ms. ****** *********** has any questions or needs further assistance, she can contact the ************************ at ************.
Sincerely,
Customer Care Department
******************************************* **********************, LLCInitial Complaint
Date:07/30/2025
Type:Customer Service IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
they dont offer a way to speak to a person directly about why my check is being denied when its literally money from the federal government.Business Response
Date: 08/01/2025
Certegy Payment Solutions, LLC
PO Box 908
****************************
August 1, 2025
***** *******
**************************************************
Re: BBB Complaint Case Number ******** ***** *******
Certegy Case Number ******
This is written in response to your recent complaint.
To provide some background information, Certegy Payment Solutions, LLC (Certegy), is an authorization services company. Certegys clients utilize our services to help reduce losses incurred through the retail practice of payment acceptance. For some clients, Certegy assumes payment responsibility should an authorized transaction be dishonored by a check writers bank.
Unfortunately, we were unable to research your complaint or locate any data in our system based on the information provided. Without additional information to research the transaction we are temporarily unable to complete your request. In order to provide assistance, please provide the following information:
Drivers License Number ______________________________________
State of Issue ______________________________________
Bank Account Number ______________________________________
Bank Routing Number ______________________________________
This information may be provided by mail at the address listed above in our letterhead, by fax at ************, or by telephone at ************. Please reference Case #****** to assist the agent in identifying your original complaint.
Once this information is received, we will be able to research the information and respond accordingly.
Sincerely,
Customer Care Department
******************************************* **********************, LLCInitial Complaint
Date:07/28/2025
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I received an unsolicited phone call from a woman identifying herself as a locator working on behalf of a company called ***************. She instructed me to call a toll-free number and speak with Central Sources about an alleged outstanding debt.When I called the number, I was told that I owed over $2,400 related to bounced checks supposedly written to a company named Certegy in August 2023. I have never written a check to Certegy, nor do I have any history of doing business with them.I requested documentation to validate the debt, but Central Sources refused to provide any proof and instead pressured me to make a payment immediately. They claimed the debt could no longer be disputed, even though this was the first time I was made aware of it. I have received no written notice or validation of the alleged debt to date.This situation appears to be either fraudulent or a scam, and I am concerned that my rights under the Fair Debt Collection Practices Act (FDCPA) are being violated. I am also concerned about the possibility of this false debt being reported to credit bureaus.I am requesting that the BBB investigate this matter and ensure the company ceases all collection activity until proper debt validation is provided, and that they refrain from any credit reporting related to this unverified claim.Business Response
Date: 07/30/2025
Certegy Payment Solutions, LLC
PO Box 908
****************************
July 30, 2025
***** *****
******************
*****, MD 20721
Re: BBB Complaint Case Number ******** ***** *****
Certegy Case Number ****** / Activity Number 949304
This is written in response to your recent complaint.
To provide some background information, Certegy Payment Solutions, LLC (Certegy), is an authorization services company. Certegys clients utilize our services to help reduce losses incurred through the retail practice of payment acceptance. For some clients, Certegy assumes payment responsibility should an authorized transaction be dishonored by a check writers bank.
Unfortunately, we were unable to research your specific complaint or locate any data in our system based on the information provided. Without additional information to research the transaction we are temporarily unable to complete your request. In order to provide assistance, please provide the following information:
Bank Account Number ______________________________________
Bank Routing Number ______________________________________
This information may be provided by mail at the address listed above in our letterhead, by fax at ************, or by telephone at ************. Please reference Case #****** to assist the agent in identifying your original complaint.
Once this information is received, we will be able to research the information and respond accordingly.
Sincerely,
Customer Care Department
******************************************* **********************, LLCInitial Complaint
Date:07/22/2025
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
The beginning of 2025 the company I work for, *********** received a letter via mail stating we owed a debt in reference to a *********** account we never had. ******************** LLC was listed as the payment company that we supposedly owed a debt to. I work as the Office Manager, and the owner of the company directed me to disregard the notice as it was fraud. We later received yet another, peaking my curiosity to proceed with contacting them. In the month of June 2025, a *** from Certegy stated an investigation would be started to see where the account in question originated from. We then received a 'Fraud Investigation' notice dated 7/2/2025 in July from Certegy, stating as part of their investigation for these types of disputes, Certegy requests the following information; an original notarized affidavit with signature, a legible copy of drivers license, a copy of a police ***ort, banking information and social security number. I then called again at the customer care # ************** and was not allowed to speak to a supervisor or higher up. I was told in order for the investigation to proceed further our personal information would be needed. All this to say, if Certegy isn't the ******* in question in this situation why do we need to confirm our supposedly account with *********** through them, by way of supplying all types of personal information. Why would we need them to make a payment to ***********, we would have had any account like all others linked directly to our bank. Like what was stated to them, I just want all communication to cease and for them to delete our information from their systems.Business Response
Date: 07/28/2025
Certegy Payment Solutions, LLC
PO Box 908
****************************
July 28, 2025
****** ****, OFFICE MANAGER
************
*******************************
**********, ** 20018
Re: BBB Complaint Case Number ******** ****** ****
Certegy Case Number 890257
This letter is written in response to the above referenced complaint.
To provide some background, Certegy Payments Solutions, LLC (Certegy), is an authorization services company. Certegys clients utilize our services to help reduce losses incurred through retail practices of check or electronic payment acceptance. For some clients involved in these transactions, Certegy may assume payment responsibility should an authorized transaction be dishonored by the check writers bank. When a payment is returned unpaid, it is forwarded to Certegy, who in turn purchases the item and initiates collection actions through a collection agency.
Using the information provided by our client, Go Daddy on February 17, 2025, Certegy authorized an electronic payment in the amount of $84.32 The payment was returned by the financial institution as Unable to Locate and entered our files on February 21, 2025, as claim ******** and assigned to ****************, for collection. An Unable to Locate account reason indicates an input error or miscommunication occurred when referencing your financial institutions routing and account number which was the reason the ******************** was not presented to your account.
On June 27, 2025, *********** contacted Certegy by phone and asserted the transaction was fraudulent as the company did not have an account with Go Daddy. On July 2, 2025, Certegy initiated a dispute under the Fair Credit Reporting Act 611 at Ms. **** request on behalf of the company. Certegy sent a letter and a fraud affidavit to Ms. **** to complete and have notarized to verify that the transaction is fraud. The information requested in the affidavit permits Certegy to verify that companys name, address and bank routing/account number are not associated with the fraudulent claim. Typically, once the response is received, we will promptly complete our investigation. The dispute will remain open for 30 days from the date of the dispute.
In accordance with *********** request, Certegy has taken steps to cease and desist further communication with the business regarding the claim, as well as advising First Source to stop collection efforts. However, without the completed fraud affidavit the information will remain in our files.
If Ms. **** has any questions or needs further assistance, she may contact the ************************ at ************.
Sincerely,
Customer Care Department
******************************************* **********************, LLCCustomer Answer
Date: 07/29/2025
Complaint: 23630014
I am rejecting this response because:
Sincerely,
****** ****Customer Answer
Date: 08/04/2025
We still have not received a statement showing we in fact owe ***********. They have our address, that is their so-called client, why aren't we able to see where the debt is originally from? They are still asking for us to confirm personal information to further their investigation, why if owed a debt do we need to confirm such without presenting us with the legitimate debt in writing. Please advise.Business Response
Date: 08/06/2025
Certegy Payment Solutions, LLC
PO Box 908
****************************
August 6, 2025
****** ****, OFFICE MANAGER
************
*******************************
**********, ** 20018
Re: BBB Complaint Case Number ******** ****** ****
Certegy Case Number ******
This letter is written in response to the complaint rebuttal.
To provide some background, Certegy Payments Solutions, LLC (Certegy), is an authorization services company. Certegys clients utilize our services to help reduce losses incurred through retail practices of check or electronic payment acceptance.
Based on your rebuttal, Certegy initiated a request to Go Daddy to verify the accuracy of the returned item on file and provide any documentation supporting the accurate claim. Go Daddy advised the transaction was a renewal of the domain ***************; that they had not received a cancellation request; nor had the billing issue been addressed with their customer service.
The documents received from Go Daddy, regarding ************* account will be mailed to Ms. **** with a copy of this response.
In response to Ms. **** rebuttal, Certegys dispute process regarding fraudulent transactions is to request a complete notarized affidavit to investigate when fraud is potentially on a business name/address or their bank account. Neither an affidavit nor a police report were received with the requested information. Without the requested information, we are unable to determine what information is associated with the fraudulent claim. The disputed item will remain reported as fraudulent in our records but may affect your check writing or cashing privileges at any of our merchant clients locations.
If after your review of the supporting documents provided by Go Daddy, the business would like to proceed with the dispute by providing the completed affidavit, we will initiate a new dispute investigation. The information may be faxed to ************ or mailed to the address on our letterhead above. Please reference Case #****** in your correspondence.
If Ms. **** has any questions or needs further assistance, she may contact the ************************ at ************.
Sincerely,
Customer Care Department
******************************************* **********************, LLCInitial Complaint
Date:07/18/2025
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
For the past 10 years every check that I try to cash is denied. When I called to see the reason why it was denied I was told that I have no negative history but I did not meet the criteria. When I asked what the criteria was they said that it was confidential and i should try another institution, I feel highly discriminated against and need whatever holds or blocks that this company has associated with my name released.Business Response
Date: 07/23/2025
Certegy Payment Solutions, LLC
PO Box 908
****************************
July 23, 2025
******* LUNSFORD *******
296 *******************
TN 37042
Re: BBB Complaint Case Number ******** ******* LUNSFORD *******
Certegy Case Number ******
This is written in response to your recent complaint.
To provide some background information, Certegy Payment Solutions, LLC (Certegy), is an authorization services company. Certegys clients utilize our services to help reduce losses incurred through the retail practice of payment acceptance. For some clients, Certegy assumes payment responsibility should an authorized transaction be dishonored by a check writers bank.
Unfortunately, we are unable to address your concerns without your full address and identifiers used in the transaction, as they were not included in your submission. Certegy uses your address to create a consumer profile, for tracking and responding to your request. We are unable to use a partial address and/or email address for this function. Additionally, without the identifiers used in the transaction, we are unable to research the complaint. Once the information is received, we will review and respond accordingly.
Drivers License Number ______________________________________
State of Issue ______________________________________
Bank Account Number ______________________________________
Bank Routing Number ______________________________________
This information may be provided by mail at the address listed above in our letterhead, by fax at ************, or by telephone at ************. Please reference Case #****** to assist the agent in identifying your original complaint.
Once this information is received, we will be able to research the information and respond accordingly.
Sincerely,
Customer Care Department
******************************************* **********************, LLCInitial Complaint
Date:07/17/2025
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Today 7/16/2025 I tried to cash a ********* comp check at my local *******. Having only an online bank that will not allow me to cash my check over the app I was relying on ******* to be able to get the check cashed and pay my bills. I was absolutely floored when Certegy declined the check. It literally states on the check that it is for ********* comp. Their customer service is absolutely useless and their only advice is to visit a branch from the bank where the check was issued. Only problem is there isnt one in my town. This is absolutely absurd that a check from the largest ********* comp provider would get denied and be of high risk to be returned. Now I wont be able to pay my bills on top of being off work already. This issue needs addressed and there's no reason they cant have a real person verify denied claims. Their business model should be illegal.Business Response
Date: 07/23/2025
Certegy Payment Solutions, LLC
PO Box 908
****************************
July 23, 2025
*********** ********
**********************************************************
Re: BBB Complaint Case Number ******** *********** ********
Certegy Case Number 888531
To provide some background information, Certegy Payment Solutions, LLC (Certegy) is an authorization services company. To protect both consumers and retailers against losses from fraudulent or returned checks or Automated Clearing House transactions, (collectively, Payments), we developed an automated system that predicts the likelihood of these outcomes in connection with a particular Payment. Payment authorization is not an extension of credit. It is important to remember that, unlike debit or credit card transactions, most merchants do not verify whether funds are available prior to cashing a check or accepting one as a form of payment. Instead, they may use our system to analyze the transaction for potential risk factors including but not limited to location, Payments and cashing history, check number, amount, and fraud trends. The information used in determining risk for our clients is primarily based on Payment history and actual losses to clients. For example, Certegy may recommend to a merchant that it not accept a Payment if it has similar characteristics to other transactions that were recently accepted and turned out to be fraudulent. It is then up to the merchant to determine whether they wish to take the risk of accepting the check. This service enables many of our clients to continue to offer Payments and cashing options that might not otherwise be available without protection from exposure to potential losses. We cannot disclose our specific guidelines, or the services we provide to subscribing merchants would be compromised.
We researched **************** transaction at ******* on July 16, 2025, for $601.23 and determined that one of the contributing factors prompting our decline recommendation was that the transaction fell within the risk parameters we were monitoring for our client who has experienced increased losses due to fraudulent transactions. Unfortunately, valid checks occasionally overlap with certain risk factors resulting in a decline recommendation.
If Mr. ******** should have any questions or need further assistance, he can contact the ************************ at ************.
Sincerely,
Customer Care Department
******************************************* **********************, LLCInitial Complaint
Date:07/14/2025
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Certegy has been billing my business for merchant processing for the last 7 years and when I contacted my bank they show that the services have been cancelled. There is no 1 800 number for me to contact them and discuss a resolution. It could be an honest mistake but there is no way to resolve this other than to cancel my bank account. That still wouldn't provide me with a refund for services that they never provided.Business Response
Date: 07/16/2025
Certegy Payment Solutions, LLC
PO Box 908
****************************
July 16, 2025
****** ********
****************************************************************
Re: BBB Complaint Case Number ******** ****** ********
Certegy Case Number 886893
This is written in response to your recent complaint.
To provide some background, Certegy Payments Solutions, LLC (Certegy), is an authorization services company. Certegys clients utilize our services to help reduce losses incurred through retail practices of check acceptance.
On July 11, 2025, *************** spoke to a member of our Client Relations team, and they verified he is trying to locate the company he utilized for credit card processing. It was explained to him that Certegy processes checks/ACH transactions, we do not process debit or credit card transactions.
Sincerely,
Customer Care Department
******************************************* **********************, LLCInitial Complaint
Date:07/09/2025
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Renewal receipt for order #********** for ***********. Customer number ********* for ***********. Payment amount of $44.34 was made on 3/20/2025 without any authorization on behalf of the company. This business was closed out and the automatic renewal was cancelled because the there was an no bank account. It was never authorized for this transaction. Why was it paid on behalf of the company? It needs to be unpaid because this was not something that was authorized to be paid on behalf of this company.Business Response
Date: 07/11/2025
Certegy Payment Solutions, LLC
PO Box 908
****************************
July 11, 2025
***** ***********
MI 48420
Re: BBB Complaint Case Number ******** ***** ***********
Certegy Case Number ******
This letter is written in response to the above referenced complaint.
To provide some background, Certegy Payments Solutions, LLC (Certegy), is an authorization services company. Certegys clients utilize our services to help reduce losses incurred through retail practices of check or electronic payment acceptance. For some clients involved in these transactions, Certegy may assume payment responsibility should an authorized transaction be dishonored by the check writers bank. When a payment is returned unpaid, it is forwarded to Certegy, who in turn purchases the item and initiates collection actions through a collection agency.
Using the information provided by our client, ************************** on March 20, 2025, Certegy authorized an electronic payment in the amount of $44.34 The payment was returned by the financial institution as Account Closed and entered our files on March 25, 2025, as claim ******** and assigned to ********************, for collection.
On June 18, 2025, First Source advised Certegy of Mr. ************ dispute, therefore we initiated a dispute on his behalf with *************************** On June 28, 2025, ************************** responded to the dispute notification, advising the transaction was a renewal of the domain ************** and that business had access to cancel services 24/7 or could have contacted customer service. On June 1, 2025, ********************** sent the letter advising that the claim was accurate and would be retained in our files.
However, based on your complaint that the obligation be disputed, asserting that he is not responsible to reconcile the funds that are owed, Certegy has initiated a second dispute investigation with ************************** to verify the accuracy of the returned item on file. We do ask, Mr. *********** to provide any documentation or details regarding the cancellation of the automatic renewal service with **************************, which can be provided by mail, at the address above in our letterhead or fax at ************, please reference Case # ******.
Once the response is received, we will promptly complete our investigation. The dispute will remain open for 30 days from the date Certegy received the complaint and the disputed item will continue to be reported as unresolved during the investigation, which could affect check writing and cashing privileges at any of our merchant clients locations. However, it will be removed from Certegys files if our investigation confirms the items to be incorrect. If Certegy receives any additional information after the 30-day timeframe, then we will open and complete a new investigation.
If Mr. *********** has any questions or needs further assistance, he may contact the ************************ at ************.
Sincerely,
Customer Care Department
******************************************* **********************, LLCCustomer Answer
Date: 07/18/2025
Complaint: 23571604The business in question permanently closed, and all related bank accounts were closed as of May 2, 2024. Our primary concern is understanding how a transaction was able to be processed when the bank account used had been closed for over 10 months at the time of the attempted charge.
Typically, when a payment fails due to account closure or insufficient funds, the expectation is that the subscription or service would be cancelled by the provider. It is not reasonable for a charge to be approved on a closed account, nor for the company to continue the subscription without proper payment. Furthermore, it is concerning that the account closure did not result in the automatic cancellation of the service, and instead, this matter has been sent to collections, creating an additional and unnecessary burden for a business that no longer operates.
Unfortunately, I do not have documentation to provide because the cancellation request was submitted through the chat function on *********** at the time. As a result, I am unable to retrieve a record of that conversation on my end. ******* would need to review their internal chat and customer service message history to confirm when the cancellation was requested and ensure that their records accurately reflect the closure of this account and the end of service.
I appreciate your assistance in reviewing this matter thoroughly to reach a fair resolution.
Sincerely,
NadunBusiness Response
Date: 07/28/2025
Certegy Payment Solutions, LLC
PO Box 908
****************************
July 22, 2025
***** ***********
MI 48420
Re: BBB Complaint Case Number ******** ***** ***********
Certegy Case Number 890140
This letter is written in response to the above referenced rebuttal.
To provide some background, Certegy Payments Solutions, LLC (Certegy), is an authorization services company. Certegys clients utilize our services to help reduce losses incurred through retail practices of check or electronic payment acceptance. Based on your rebuttal, Certegy initiated a second dispute investigation with Go Daddy to verify the accuracy of the returned item on fileand requested they provide any documentation supporting the accurate claim. Go Daddy responded to the dispute notification, advising the transaction was a renewal of the domain **************; that they had not received a cancellation request; nor had the billing issue been addressed by Mr. *********** with their customer service. ********************** sent a letter advising that the claim was accurate and would be retained in our files.
The documents received from Go Daddy regarding Mr. Pullaperumas account will be mailed to him with a copy of this response.
If Mr. *********** has any questions or needs further assistance, he may contact the ************************ at ************.
Sincerely,
Customer Care Department
******************************************* **********************, LLCInitial Complaint
Date:07/07/2025
Type:Order IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
My complaint is not only about one individual transaction, it's about many of them. For I don't know how long now I ALWAYS get declined to cash my checks! It doesn't matter what the check is for or from, I get declined. I go to the scrap yard from recycling metal, get declined. I try to cash my check from work (which I get every week.) Declined. I had Certegy send me my file so I could fix anything that would be causing this, and when I get it in the mail, there is literally not a single thing in my file! So there is absolutely no reason to decline all of my checks! It's completely asinine! And especially because it started just onr time out of the blue. One week I was able to cash any check I wanted, and the next, I wasn't able to. For no reason whatsoever! And it has been this way for years now! And frankly I'm so beyond fed up with it and this company it's unreal! In my opinion there should not be anyone else in my financial situation that I don't allow. It means that they see everything about how much I make, my account numbers and everything else! And then they are the ones that get to decide if they'll 'allow' me to receive the funds that I earned and am entitled to!? Absolutely unnecessary downright offensive! It makes me more angry than you can possibly imagine! I can't even explain all of the negative things that have happened to me in the past because they won't let me cash my checks! This company does literally nothing but harm. The harm it causes far outweighs the good it does. When I cash my checks it should be me and the bank and whatever third party cashing agency I decide to go to. Not some 'company parent' that gets to make decisions for you. We're all adults here. I'm sure we can handle it. Please stop controlling my checks! You have no reason to! Leave me alone! I have had enough!Business Response
Date: 07/08/2025
Certegy Payment Solutions, LLC
PO Box 908
****************************
July 8, 2025
***** ******
*****************************************************************************
Re: BBB Complaint Case Number ******** ***** ******
Certegy Case Number ******
This is written in response to your recent complaint.
To provide some background information, Certegy Payment Solutions, LLC (Certegy), is an authorization services company. Certegys clients utilize our services to help reduce losses incurred through the retail practice of payment acceptance. For some clients, Certegy assumes payment responsibility should an authorized transaction be dishonored by a check writers bank.
Unfortunately, we were unable to research your complaint or locate any data in our system based on the information provided. Without additional information to research the transaction we are temporarily unable to complete your request. In order to provide assistance, please provide the following information:
Drivers License Number ______________________________________
State of Issue ______________________________________
Bank Account Number ______________________________________
Bank Routing Number ______________________________________
This information may be provided by mail at the address listed above in our letterhead, by fax at ************, or by telephone at ************. Please reference Case #****** to assist the agent in identifying your original complaint.
Once this information is received, we will be able to research the information and respond accordingly.
Sincerely,
Customer Care Department
******************************************* **********************, LLC
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