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
- 193 total complaints in the last 3 years.
- 47 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:01/02/2024
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.
I have been trying to get in contact with this company. I have been trying to speak with someone there since November. I am not able to speak to a live person. I wrote a H333533313234**3834H and it wasn&#**;t cleared and I need to speak to someone at H333630**30**36363232H about it.Business Response
Date: 01/11/2024
Certegy Payment Solutions, LLC
PO Box 908
**************, ** 81502
January 11, 2024
***********************
**************************************************************
Re: BBB Complaint Case Number ******** ***********************
Certegy Case Number 640944
This is written response to the above reference complaint.
To provide some background, Certegy Payments Solutions, LLC (Certegy), is a check authorization services company. Certegys clients utilize our services to help reduce losses incurred through retail practices of check acceptance. For some clients involved in these transactions, Certegy may assume payment responsibility should an authorized check be dishonored by the check writers bank. When a check is returned unpaid, it is forwarded to Certegy, who in turns purchases the check and initiates collection actions through a collection agency.
Using the information provided by our client, Macys, Certegy authorized check number 719 in the amount of $42.00 dated August 17, 2020. The financial institution returned the check as Non-sufficient funds, and the returned item entered our files on August 20, 2020, as claim ********.
If you wish to make the payment for the check and service fee, you can send a check for $67.00 ($42.00 + $25.00 service fee) to Certegy Payment Solutions, LLC at P.O. Box ****, **********, ** *****. 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 **** business days. Please reference claim # ******** on the check to ensure the payment is applied appropriately.
If ****************** should have any questions or need further assistance, she can contact the ************************ at ************.
Sincerely,
Customer Care Department
******************************************* **********************, LLCInitial Complaint
Date:01/02/2024
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.
We paid a person with a check that she cashed at a ********** *** cashing place the money and our old business account has been closed cant verify but Im sure it was as it always had funds I called the number on the complete payment recovery service *** Letter and didnt give me a good feeling so I didnt make any payment did my research on ingo *** and reviews where shocking so I looked up complete payment recovery services at ************************************************************************ and its a empty lot , please help as I dont want to be scammed or have a collections on my credit Greatly appreciate your time to this matterBusiness Response
Date: 01/11/2024
Certegy Payment Solutions, LLC
PO Box 908
**************, ** 81502
January 11, 2024
***************************
***********************************
*************, ** 91977
Re: BBB Complaint Case Number ******** ***************************
Certegy Case Number 640937
This is written in response to your recent complaint.
To provide some background information, Certegy Payment Solutions, LLC (Certegy), is a check authorization company.
This complaint was assigned to Certegy in error. Please assign the complaint to the appropriate entity, Complete Payment Recovery Services, ****
If ****************** should have any questions or need further assistance, she can contact the ************************ at ************.
Sincerely,
Customer Care Department
******************************************* **********************, LLCInitial Complaint
Date:12/22/2023
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.
This is the Second time i have tried to cash a check... and been declined. And i cant get any information on why. and im sick and tired of being inconvenienced by them. It's not like im writing a check. The check i tried to cash was a bouns paycheck from my job ***********************. the check was for ****** Today 12/21/2023 Time 6:50pm Bank ********* Check ************Business Response
Date: 12/29/2023
Certegy Payment Solutions, LLC
PO Box 908
**************, ** 81502
December 29, 2023
*****************************
**********************************
*******, ** 32189
Re: BBB Complaint Case Number ******** *****************************
Certegy Case Number 637931
This is written in response to the above referenced complaint.
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 Payments 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 Payment. This service enables many of our clients to continue to offer Payments and check 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 Ms. ******** transactions at ******************* and Publix on December 21, 2023, for $437.75 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 and there was limited history associated with the identification number in our system. Unfortunately, valid checks occasionally overlap with certain risk factors resulting in a decline recommendation.
However, we do understand Mr. ******** concerns, and we 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.
If ****************** should have any questions or need further assistance, he can contact the ************************ at ************.
Sincerely,
************************
**********************Customer Answer
Date: 01/03/2024
Complaint: 21044065
I am rejecting this response because:Because I expect something done. How many more people need this to happen to them. And God help they don't have a bank account. And the bank was over a hour away from where I live.
So just imagine if I would have been a person without a bank account of my own. And no way to get to the bank the check was drawn on.
It would be a worthless to paper. And you never know a person situation.
What I want them to do. Is notify everyone that has ever had this problem and give us a chance to possibly file a lawsuit against them.
I had to overdraw my checking account to pay my electric and luckily my bank let me do it. Or my power would have been shut off. And then I would have had to pay a reconnection fee and a deposit and those fees probably would have exceeded the value of that check...
And when I checked my file from them. It was absolutely empty. Which to me says there's no risk.
Sincerely,
*****************************Business Response
Date: 01/11/2024
Certegy Payment Solutions, LLC
PO Box 908
**************, ** 81502
January 11, 2024
*****************************
**********************************
*******, ** 32189
Re: BBB Complaint Case Number ******** *****************************
Certegy Case Number 643180
Check writing history, especially check writing history at merchant locations that utilize our services, is a significant factor in check authorization considering that banks typically do not verify funds or offer account validation ********************. Our system analyzes every transaction presented for potential risk factors, including possible fraud, using our guidelines. Many factors in addition to returned or unpaid checks, are evaluated in making decisions for transaction approvals including, but not necessarily limited to, check numbers, check writing and cashing activity, including lack of activity and amounts.
Merchants take certain risk when accepting checks. By providing this service, many of Certegys clients can continue to offer check writing and check cashing options in most cases, which otherwise may not be available to their customers. The potential risk factors that we monitor for our client locations vary by client and location, and in order to protect both consumers and retailers against losses from fraudulent activity, we must keep the guidelines that we use when issuing an approval or decline recommendation for a transaction proprietary. If Certegy were to disclose those confidential, proprietary guidelines, it would seriously diminish our ability to prevent any type of fraudulent activity.
We apologize for any inconvenience that this has caused ******************, and we hope that the above information provides more clarification in the services that are provided to our clients. Although we can never guarantee the approval of future check transactions, we encourage ****************** to continue performing check transactions wherever he desires.
If ****************** should have any questions or need further assistance, he may contact the ************************ at ************.
Sincerely,
Customer Care Department
******************************************* **********************, LLCInitial Complaint
Date:12/19/2023
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.
I went to ******* to try, and cash my check. All my checks go through on time. However when I tried to cash my check of $315.5 on 12/18/2023 Certegy denied it without any reasonable cause. My checks always are good because its through a business.Business Response
Date: 12/21/2023
Certegy Payment Solutions, LLC
PO Box 908
**************, ** 81502
December 21, 2023
***********************
**********************************************************************************************************
Re: BBB Complaint Case Number ******** ***********************
Certegy Case Number 633814
This is written in response to the above referenced complaint.
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 risks for our client 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 Payment. 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.
Based on a search of the transaction reference number in the receipt that was attached to the complaint. There is no negative information in our files associated with his identifier and request that the check issuer contact our **************************** to discuss the details of the decline. Since the check presented was not Mr. Walkers personal account, we are not permitted to further disclose the reason for the decline.
We understand Mr. ******* concerns and apologize for any inconvenience that this has caused. If ******************* should have any questions or need further assistance, he can contact the ************************ at ************.
Sincerely,
Customer Care Department
******************************************* **********************, LLCInitial Complaint
Date:12/15/2023
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.
12-14-23 I attempted to make an urgent purchase, and had confirmed I had over $1500 in my account. Due to a bank error, I had many transactions delayed more than 2 weeks in October and it caused payments to be declined despite pending deposits. This means that the next month, November, I had to pay a lot more. Bank charged NSF because deposits weren't clearing (don't know why), bills had late fees and required 2 months payment. Finally, in December, I was able to get things sorted out. I've received no communications about declined checks (only my bills didn't clear). I've been making gas purchases just fine. Today, I am checking out and my check couldn't be authorized. Tried 3 times without explanation. ****** speak to a person and cannot request free report because nothing works. It cannot be resolved. I cannot make my urgent purchase as my bank is not nearby. I cannot put gas in my car. I cannot get any answers or resolution and the businesses cannot help. Nothing is working and my transactions or being denied. It's as if my money is being held hostage by some random entity without my consent. Certegy is impossible to reach and not helpful. Something is very wrong here, and no one can explain the issue.Business Response
Date: 12/19/2023
H***63039303936363232H H3434303832***33533H Solutions, LLC
PO Box 908
**************, ** 81502
December 19, 2023
*********************************
***** US HIGHWAY 271 # ***<********************************
Re: BBB Complaint Case Number ******** *********************************
H***63039303936363232H Case Number 632972
This is written in response to your recent complaint.
To provide some background information, H313431***93737363030H (H***63039303936363232H), is an authorization services company. H***63039303936363232Hs clients utilize our services to help reduce losses incurred through the retail practice of H***730***93836353933H acceptance. For some clients, H***63039303936363232H assumes H***730***93836353933H responsibility should an authorized transaction be dishonored by a H***5***13234393834H 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 H313031***33831373133H your request. In order to provide assistance, please provide the following information:
Drivers License Number ______________________________________
State of Issue ______________________________________
Bank Account Number ______________________________________
Bank Routing Number ______________________________________
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 ************.
Once this information is received, we will be able to research the information and respond accordingly.
Sincerely,
Customer Care Department
******************************************* **********************, LLCInitial Complaint
Date:12/13/2023
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 third time this year I have had either a check or the **** credit card declined in the **** department store where have I been a customer for almost twenty years. I don't understand Certegy's reasoning. As far as I am concerned this company is stupid in their reasoning. Evidently they know nothing about my money and business affairs. It is embarrassing to have this happen for no reason at all. I want Certegy out of my life. Stop the harassment.Business Response
Date: 12/19/2023
Certegy Payment Solutions, LLC
PO Box 908
**************, ** 81502
December 19, 2023
*******************
*******************************************************************************
Re: BBB Complaint Case Number ******** *******************
Certegy Case Number 631399
This is written in response to the above referenced complaint.
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 Payments 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 Payment. This service enables many of our clients to continue to offer Payments and check 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 **** stores on December 13, 2023, for $1,188.00, 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. Unfortunately, valid checks occasionally overlap with certain risk factors resulting in a decline recommendation.
However, we do understand Mr. ***** concerns and we 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 ************ should have any questions or need further assistance, he can contact the ************************ at ************.
Sincerely,
Customer Care Department
******************************************* **********************, LLCCustomer Answer
Date: 12/27/2023
Complaint: 21002582
I am rejecting this response because: you don't divulge your policies as they must be as stupid as your holding a check and not knowing the account balance.
Sincerely,
*******************Business Response
Date: 01/03/2024
Certegy Payment Solutions, LLC
PO Box 908
**************, ** 81502
January 3, 2024
*******************
*******************************************************************************
Re: BBB Complaint Case Number ******** *******************
Certegy Case Number 637975
This is written in response to Mr. ***** rebuttal.
Check writing history, especially check writing history at merchant locations that utilize our services, is a significant factor in check authorization considering that banks typically do not verify funds or offer account validation ********************. Our system analyzes every transaction presented for potential risk factors, including possible fraud, using our guidelines. Many factors in addition to returned or unpaid checks, are evaluated in making decisions for transaction approvals including, but not necessarily limited to, check numbers, check writing and cashing activity, including lack of activity and amounts.
Merchants take certain risk when accepting checks. By providing this service, many of Certegys clients can continue to offer check writing and check cashing options in most cases, which otherwise may not be available to their customers. The potential risk factors that we monitor for our client locations vary by client and location, and in order to protect both consumers and retailers against losses from fraudulent activity, we must keep the guidelines that we use when issuing an approval or decline recommendation for a transaction proprietary. If Certegy were to disclose those confidential, proprietary guidelines, it would seriously diminish our ability to prevent any type of fraudulent activity.
We apologize for any inconvenience that this has caused ************, and we hope that the above information provides more clarification in the services that are provided to our clients. Although we can never guarantee the approval of future check transactions, we encourage ************ to continue performing check transactions wherever he desires.
If ************ should have any questions or need further assistance, he may contact the ************************ at ************.
Sincerely,
Customer Care Department
******************************************* **********************, LLCInitial Complaint
Date:12/11/2023
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.
I wrote a check for $84 on an checking account with a balance of over $3700 at a ******* on *********************************************************** on December 9, 2023 at around 7:30AM. Certegy recommended declining the check. The cashier gave me a printout. The printout said Certegy did not make the decision to decline, but ******* based the decision "in whole or in part" on Certegy information. I went to Certegy's web site and entered the reference number (*************) and the response was an utterly, completely useless sham. It was a generic form letter saying disingenuous garbage like "based on numerous factors that *** include..." followed by a bunch of legalistic nonsense.There was no reason to decline my check. I have overdraft protection where my bank will cover checks to merchants even if they are bad. I had my banking app open to show the cashier I have over 44 times as much money available as was needed to cover the check. My credit is fine. The only time I have ever had transactions declined it has been by a poorly programmed, barely functional website a landlord used that would sometimes automatically switch my withdrawals to an old checking account I no longer had and a couple of times I forgot to make sure it didn't switch the account (i.e., not my fault). It was worth noting I have NEVER had a check bounce on a currently open checking account.Business Response
Date: 12/15/2023
Certegy Payment Solutions, LLC
PO Box 908
**************, ** 81502
December 15, 2023
*********************************
************************************************************************************
Re: BBB Complaint Case Number ******** *********************************
Certegy Case Number 630097
This is written in response to the above referenced complaint.
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 Payments 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 Payment. This service enables many of our clients to continue to offer Payments and check 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 Wal-Mart on December 9, 2023 for $84.00, 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 and there was no check cashing history associated with your identification in our system in the prior thirteen (13) months. Unfortunately, valid checks occasionally overlap with certain risk factors resulting in a decline recommendation.
However, we do understand Mr. ************* concerns and we 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 **************************** should have any questions or need further assistance, he can contact the ************************ at ************.
Sincerely,
Customer Care Department
******************************************* **********************, LLCInitial Complaint
Date:12/06/2023
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.
I went to Krogers on Sunday the 3rd of Dec. I forgot my debit card which I 99% use. I wrote a check and it was denied. I had ***** in my acct for ****** in groceries. I couldn't get anyone at Krogers or Certergy to help me. Certegy has all automated calls and I have called them 7 times. Still no help. I have a good credit score and plenty of money in the bank. This is some type of scam. I was appalled by this. I have never bounced a check. This is absolutely ridiculous. The fact that you can't reach anyone at this so called company is more disturbing. Shame on ******* for not calling me back and wonder why Certegy lost a major lawsuit against them. Fix this issue...please.Business Response
Date: 12/12/2023
Certegy Payment Solutions, LLC
PO Box 908
**************, ** 81502
December 12, 2023
*****************************************
**************************
***********, ** 45459
Re: BBB Complaint Case Number ******** *************************************
Certegy Case Number 627400
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 ______________________________________
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 ************.
Once this information is received, we will be able to research the information and respond accordingly.
Sincerely,
Customer Care Department
******************************************* **********************, LLCInitial Complaint
Date:12/06/2023
Type:Product 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 once again called Certegy this morning after calling yesterday. I talk a woman at Certegy. I told her that I wanted to know why Certegy rejected 2 of my checks at ****** for $50.40. ****** had me write 2 separate checks for the same amount last night. They both were rejected. I told her that we have more than enough money in our account to cover that ********************. We have written checks on this account before. She said that each check was run individually. I told her that I want my bank account unblocked so I could write checks on that account as I told the other woman yesterday. She said I could write a check on another account. I told her I wanted to write it on my Bank Account. She asked me for my Government ID number and What State it was issued. I gave her the information. I asked her if I could write a check on that account and she said yes. We went to ****** to purchase some products again and our check was rejected. He said that the check was rejected and he couldn't change it. the paperwork that we had said that it was rejected because of a code 2. The Store manager also called Certegy and got nowhere. The representative for Certegy asked to talk to me. He told me the same thing that the other 2 people told me. I asked to speak to his supervisor numerous times . He kept saying that his supervisor would tell me the same thing. I just hung up. I want my Checks Unblocked. This also happened to me a couple of years ago at Lowes. I emailed ****** District Manager. The Assistant District Manager called me back about my email today 12/4/2023. He said that he would be having a meeting about the situation, and discuss how to handle it. He said he would also do an investigation on why my check was rejected. He said that they might have to make some changes. He said that he would call me back Wednesday 12/6/2023. No one company should have that much control of someone finances or life. We pay all our bills by check. I want my checks Unblocked.Business Response
Date: 12/12/2023
Certegy Payment Solutions, LLC
PO Box 908
**************, ** 81502
December 12, 2023
*******************************
, ** 99336
Re: BBB Complaint Case Number ******** *******************************
Certegy Case Number 627334
This is written response to the above reference 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 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 transaction is returned unpaid, it is forwarded to Certegy, who in turns purchases the check and initiates collection actions through a collection agency.
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. 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.
Sincerely,
Customer Care Department
******************************************* **********************, LLCCustomer Answer
Date: 12/12/2023
Complaint: 20957599
I am rejecting this response because:
Sincerely,
*******************************Initial Complaint
Date:11/17/2023
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.
On 11/16/2023 I went to pubix supermarket in the city and state I reside and when I went to pay with a check it was declined when I called them they didn't know why I told them I have NEVER EVER had a problem with a check I don't even use them first time I use it and it was declined they didn't know why she couldn't even tell me if they will send me a letter to let me know why. So certegy just felt like saying no to my check for no reason which to me sounds like discrimination.Business Response
Date: 11/22/2023
Certegy Payment Solutions, LLC
PO Box 908
**************, ** 81502
November 22, 2023
*************************
, ** 29607
Re: BBB Complaint Case Number ******** *************************
Certegy Case Number 619186
This is written response to the above reference 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 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 transaction is returned unpaid, it is forwarded to Certegy, who in turns purchases the check and initiates collection actions through a collection agency.
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. 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.
Sincerely,
Customer Care Department
******************************************* **********************, LLC
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