Complaints

This profile includes complaints for Certegy Payment Solutions, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Certegy Payment Solutions, LLC

  17757 US Highway 19 N STE 375 Clearwater, FL 33764-6592

• 

  Certegy Inc.

  2820-C Kalihi St. Honolulu,, HI 96819

• 

  Certegy Payment Recovery Services, Inc.

  652 N. Sam Houston Pkwy E. Houston, TX 77060

• 

  Certegy Payment Solutions, LLC

  P O Box 144717 Orlando, FL 32814

• 

  Certegy Payment Solutions, LLC

  PO Box 908 Grand Junction, CO 81502-0908

The 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:09/03/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore 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 sold some of my stock on *************************** and was issued a check from Computershare. Went to local ******* to cash out and it was declined based on the recommendation of Certegy. I contacted certegy and was unable to obtain any reason for the denial by the *** I spoke to. I received my file from them couple weeks after which also provided no insight as to specially why the check was declined. I called them back and was told again it is all based on acceptance guidelines and no further explanation. I do not have any outstanding checks or any case of fraud and the check was from two major companies. Absolutely no reason for the check to be declined. This is the second time this had happened. Both for no reason. Certegy needs to ***rogram their system with an updated AI model with smarter algorithms. This has caused me considerably loss and public embarrassment.

  Business Response

  Date: 09/04/2025

  
  Certegy Payment Solutions, LLC
  PO Box 908
  ****************************
  
  
  September 4, 2025
  
  
  ****** *****
  ****************************************************
  
  
  
  Re:      BBB Complaint Case Number ******** ****** *****
             Certegy Case Number 909064
  
  This letter is written in response to the above referenced complaint.
  
  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 Mr. ****** transaction at ******* on August 23, 2025, for $2,815.88, based on the order number included and the report that was provided with the complaint. We determined that the contributing factors prompting our decline recommendation was that the transaction fell within the risk parameters we were monitoring for our client and there was limited check cashing history associated with Mr. ****** identifiers in our system in the past 13 months.  Unfortunately, valid checks occasionally overlap with certain risk factors resulting in a decline recommendation.
  
  However, we understand Mr. ****** concerns and have added his identifiers to a positive file, which will increase the likelihood of an approval recommendation in the future. While we can never guarantee an approval recommendation, this will help with future transactions that are routed to Certegy for processing. 
  
  If Mr. ***** has any questions or needs further assistance, he can contact the ************************ at ************.
  
  Sincerely,
  
  Customer Care Department
  ******************************************* **********************, LLC
  

  Customer Answer

  Date: 09/05/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ****** *****

• Initial Complaint

  Date:08/25/2025

  Type:Order Issues
  Status:

  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 problem is with this check cashing company Certegy! They have denied my checks being cashed m numerous times but they will not answer their phones. At this point I have never signed up for their services so I want to know why they have my information in their files. What is their issue with me?

  Business Response

  Date: 08/26/2025

  
  Certegy Payment Solutions, LLC
  PO Box 908
  ****************************
  
  
  August 26, 2025
  
  
  ****** *******
  ***************************************************************************************
  
  
  
  Re:      BBB Complaint Case Number ******** ****** *******
             Certegy Case Number 905565
  
  This letter is written in response to the above referenced complaint.
  
  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 Mr. ******** transaction at ******* on August 23, 2025, for $637.94, based on the reference number included on the receipt that was provided with the complaint. We determined that the contributing factors prompting our decline recommendation were that the transaction fell within the risk parameters we were monitoring for our client and there was limited check cashing history associated with Mr. ******** identifiers in our system in the past 13 months. Unfortunately, valid checks occasionally overlap with certain risk factors resulting in a decline recommendation.
  
  However, we understand Mr. ******** concerns and have added his identifiers to a positive file, which will increase the likelihood of an approval recommendation in the future. While we can never guarantee an approval recommendation, this will help with future transactions that are routed to Certegy for processing. 
  
  If Mr. ******* has any questions or needs further assistance, he can contact the ************************ at ************.
  
  Sincerely,
  
  Customer Care Department
  ******************************************* **********************, LLC
  

• Initial Complaint

  Date:08/13/2025

  Type:Billing Issues
  Status:

  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.

  Description of the Problem:I have received multiple suspicious debt collection letters from different companies, each claiming I owe the same dollar amount for unrelated creditors. The first letter claimed to be on behalf of GoDaddy; GoDaddy confirmed in writing that they do not use that agency and that my account is in good standing with no debt owed. The second letter lists a different creditor but the same amount due. This pattern indicates a fraudulent collection attempt.Resolution Sought:If these false claims have been reported to any credit bureaus, I request that they be immediately removed from my credit report and that the collection attempts cease.

  Business Response

  Date: 08/21/2025

  
  Certegy Payment Solutions, LLC
  PO Box 908
  ****************************
  
  
  August 21, 2025
  
  
  **** *****
  ***********************************> ********************
  
  
  
  Re:      BBB Complaint Case Number ******** **** *****
             Certegy Case Number 900106
  
  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 check is returned unpaid, it is forwarded to Certegy, who in turns purchases the item and initiates collection actions through a collection agency.
  
  Using the information provided by our client, ************ on April 26, 2025, Certegy authorized an electronic payment in the amount of $55.16. The payment was returned by the financial institution as Account Closed and entered our files on May 1, 2025, as claim 27086790.
  
  You can view information about Certegys services provided to Go Daddy on their website on the Help page for ****************** at: *******************************************************************************.
  
  In accordance with ************* request, Certegy has taken steps to cease and desist further communication with the consumer regarding the claim, as well as advising MB&W to stop collection efforts.  However, the information will remain in our files and may affect future check acceptance.
  
  If you have any questions or need further assistance, you may contact the ************************ at ************.
  
  
  
  Sincerely,
  
  
  Customer Care Department
  ******************************************* **********************, LLC
  

  Customer Answer

  Date: 08/25/2025

   
  Complaint: 23737163
  
  I am formally rejecting this resolution in good faith. I am a person of integrity. Upon receiving your response, I wondered. With the added details of your response, I discovered the unpaid balance was the result of my own error (closing my High Country Bank account on 04/22/25 without updating my GoDaddy auto-pay information), I believe it is the right thing to hold myself accountable and pay what I owe. I hope you can accept my apologies for the inconvenience. 

  
  At the same time, I must stress that I only discovered the true cause of this issue after receiving Certegys formal response. The original collection letters were vague, confusing, and failed to explain the connection to GoDaddy or my closed bank account. They also did not provide evidence of the rejected or bad check collection record, and did not state that Certegy had any true authority with GoDaddy or my bank. I've never even heard of a third-party entity collecting like this. Usually, your bank sends you a formal letter or contacts you, which we didn't recall getting or being notified of. When I called for clarification, the collections representative I spoke with was rude, defensive, and unprofessional, which further led me to believe the letters were fraudulentespecially since ******** own customer service stated they do not use collection agencies.

  
  For these reasons, I am rejecting this resolutionnot because I refuse to pay, but because I believe Certegy should be held accountable for its lack of clarity and poor communication. I am willing to pay the balance owed and will do so, but I request that:
  

  Certegy improves its communications with consumers so that the nature of the debt is transparent from the start.

  Collection representatives are trained to handle inquiries in a professional and respectful manner. This is especially important when representatives are foreign English speakers. While I understand they may feel singled out for their accent, the reality is that Americans are targeted daily by scams and fraudulent collection attempts from overseas, and consumers have a right to be cautious.

  Representatives must be trained to respond calmly, not with anger, and to reassure callers with evidence, not just demands for payment. Practical steps could include:

   Listening carefully and acknowledging the consumers fears.

   Providing proof of the returned payment (such as a bank rejection slip, transaction ID, or reference number).

  Explaining Certegys specific role in the process when an ACH transaction fails.
  

  Written confirmation will be provided once my account is settled in full.
  

  Without this transparency and professionalism, it is difficult for consumers to trust the legitimacy of the debt. This rejection is not in bad faith, but rather in good faith, to document both my accountability and the businesss need to improve its practices.
  

  Thank you for your time and attention. Please contact me directly so we can promptly arrange for payment of the outstanding bill. We always pay our debts.
  
  Sincerely,
  
  **** *****

  Business Response

  Date: 09/02/2025

  
  Certegy Payment Solutions, LLC
  PO Box 908
  ****************************
  
  
  September 2, 2025
  
  
  **** *****
  *********************************************************************************
  
  
  
  Re:      BBB Complaint Case Number ******** **** *****
             Certegy Case Number 906060
  
  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. 
  
  We thank you for relaying your concerns about the collections process and representative. Please note that Certegy takes allegations of inappropriate debt collection techniques by our collection agencies very seriously. We will contact the agencies to investigate the actions described in Ms. ****** complaint.
  
  If you wish to make the payment for the electronic transaction, you can send a check to Certegy Payment Solutions, LLC at P.O. ******************************. Once we receive payment we will apply it to the claim, but the claim will not clear until payment is confirmed received which could be 7-10 business days. Please reference claim # ******** on the check to ensure the payment is applied appropriately.
  
  As a courtesy, Certegy has waived the service fee of $20,00 that was applied at the time the *** was returned.
  
  If you have any questions or need further assistance, you may contact the ************************ at ************.
  
  Sincerely,
  
  
  Customer Care Department
  ******************************************* **********************, LLC
  

• Initial Complaint

  Date:08/12/2025

  Type:Order Issues
  Status:

  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 years I have been cashing my payroll checks at ******* starting in Jan 2025 both ******* and ****** starting rejecting my checksbecause certigy says 2 of the payroll checks I cashed were returnedI do not have a bank accountand have relied on cashing my payroll checks at either wWalmart or Kroger where its more convient for meafter trying for the past 7 months to resolve this situation I have been unable to get any resolution from certigy instead this situation is reflecting back on my ssn and identificationwhich it should not I just cashed a payroll check from my employer The American Printing House For The Blind noone at certigy seems to be able to tell me how to resolve this matter so that I can start cashing my payroll checks at ****** or ********* how to get off my record as reflecting negatively on myself again all I did was cash payroll checks in good faith

  Business Response

  Date: 08/19/2025

  
  Certegy Payment Solutions, LLC
  PO Box 908
  ****************************
  
  
  August 19, 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:
  
  
  Identification Number            ______________________________________
  
  State of Issue                        ______________________________________
  
  Social Security 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.
  
  Additionally, we received the third-party disclosure letter containing your authorization to discuss the recent declines with American Printing House for the Blind, but the letter did not contain your identifiers. Therefore, we mailed a letter to you on July 21, 2025, to request your identifiers to research the transaction.
  
  Once this information is received, we will be able to research the information and respond accordingly.
  
  Sincerely,
  
  
  Customer Care Department
  ******************************************* **********************, LLC
  

  Customer Answer

  Date: 08/23/2025

   
  Complaint: 23729058
  
  I am rejecting this response because:

  Certegy payment solutions LLC has received the information they are asking for several times before; twice by certified mail. No solution has been provided. However below is my identifying information that they will be receiving for at least the 5th time to my knowledge. 
  

  identification number is C03-887-424

  state of issue is Kentucky 

  social security number is ***********
  
  Sincerely,
  
  ******* ********

  Business Response

  Date: 08/27/2025

  
  Certegy Payment Solutions, LLC
  PO Box 908
  ****************************
  
  
  
  
  August 27, 2025
  
  
  ******* ********
  ***********************************************************************************
  
  
  
  Re:      BBB Complaint Case Number ******** ******* ********
               Certegy Case Number 905724
  
  This is written in response to the above reference complaint.
  Certegy Payment Solutions, LLC (Certegy) is an authorization services company. To protect both consumers and retailers against losses from fraudulent or returned checks, we developed an automated system that predicts the likelihood of these outcomes in connection with a particular check. Check 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, check writing and cashing history, check number, amount, and fraud trends. The information used in determining risk for our clients is primarily based on check writing history and actual losses to clients. For example, Certegy may recommend to a merchant that it not accept a check if it has similar characteristics to other checks 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 check writing and cashing options that might not otherwise be available without protection from exposure to potential losses.
  
  We researched Mr. ********* recent transactions.  We identified that our client, ******* requested authorization for 2 checks on January 2, 2025, for $555.50 and $738.34. Both received approval authorizations, but were subsequently   dishonored. When the dishonored checks were furnished to Certegy, the information recorded during the transaction was placed in our returned check file. The negative information on file resulted in our decline recommendations for Mr. ********* recent check transactions at ******* and ******.
  
  Based on the information received from ******************** and Mr. ********* Certegy was able to complete its investigation and disassociate Mr. ********* identification number from Certegys negative file.
  
  We understand Mr. ********* concerns and have added his identifier to a positive file, which will increase the likelihood of an approval recommendation in the future. While we can never guarantee an approval recommendation, this will help with future transactions that are routed to Certegy for processing.
  
  A new Consumer File Disclosure Report (CFDR) will be mailed to him, which will include all transactions that Certegy has on file related to the identifiers provided. Mr. ******** should receive his report within 15 calendar days.
  
  Under the ***** if requested by you, a description of the procedure used to determine the accuracy and completeness of the disputed information shall be provided, including the business name and address of any furnisher of information contacted in connection with the information and the telephone number of such furnisher, if reasonably available.  You also have a right to add a statement to your consumer file disputing the accuracy or completeness of your information
  
  We apologize for the inconvenience that this may have caused. If Mr. ******** has any questions or needs further assistance, he can contact the ************************ at ************.
  
  Sincerely,
  
  Customer Care Department
  ******************************************* *********************** LLC
  

• Initial Complaint

  Date:08/05/2025

  Type:Delivery Issues
  Status:

  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
  ******************************************* **********************, LLC
  

• Initial Complaint

  Date:07/30/2025

  Type:Customer Service Issues
  Status:

  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
  ******************************************* **********************, LLC
  
  

• Initial Complaint

  Date:07/28/2025

  Type:Billing Issues
  Status:

  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
  ******************************************* **********************, LLC
  

• Initial Complaint

  Date:07/22/2025

  Type:Billing Issues
  Status:

  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
  ******************************************* **********************, LLC
  

  Customer 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
  ******************************************* **********************, LLC
  

• Initial Complaint

  Date:07/18/2025

  Type:Service or Repair Issues
  Status:

  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
  ******************************************* **********************, LLC
  

• Initial Complaint

  Date:07/17/2025

  Type:Service or Repair Issues
  Status:

  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
  ******************************************* **********************, LLC