| Message |
Author |
 Posted: Sun Apr 06, 2008 6:10 pm |
|
|
I've never heard of Certegy, until tonight. I went to K-mart, bought some things, went to write and check to pay for it, and it was declined. Huh? I mean WTH?! I've never had a bounced check, I have over draft protection anyways. I called the toll free number, of course it's automated, they won't give you a reason, the recording just said "Precautionary Measures", sooooo, what the heck is that all about? I cashed a check elsewhere a few minutes later, just fine. Would this have anything to do with having debts in collection? I really can't figure out why they would decline my check. 
_________________
Online Complaints Ohio Attorney General
Online complaints: Federal Trade Commission.
Ohio Payday Loan Laws
Ohio Consumer Protection Law
|
|
Shazzers
Moderator
Joined: 05 Dec 2007
Posts: 2574
Debtcc Points: 18693
|
|
|
| Posted: Sun Apr 06, 2008 6:36 pm |
|
|
That's a real head scratcher Shazzers. If you have any PDLs outstanding they may have tried to report it as a bounced check. Or they could be trying to pressure you into paying a debt by reporting it as such. Either way sounds pretty illegal to me. I would suggest you do some further research and prepare to fire off a DV letter and possibly file some complaints through proper legal channels.
_________________
Regards
JCEMT
Here is a list of resources for the community
Site TOS
|
|
JCEMT
Moderator
Joined: 10 Sep 2007
Posts: 2883
Debtcc Points: 26469
|
|
|
|
JCEMT
Moderator
Joined: 10 Sep 2007
Posts: 2883
Debtcc Points: 26469
|
|
|
| Posted: Sun Apr 06, 2008 6:47 pm |
|
|
Evenin' Shazz -
I've been trying to post to your thread for the last ten minutes or so, but the board was having issues. So,,, I threw some $$$ at my SL lender while I was waiting, just to keep'em on their toes....
Anyway... Google Certigy. You'll find lots more than their corporate website. Some of it is fairly unpleasant.
_________________
-
The four 'no's of dealing with collectors:
No validation?
No payment.
No way!
No kidding!!
 Economic Stimulus information from the Infernal Revenue Sadists
Tellin' you all the zomby troof
Here I'm is, the zomby woof
[Frank Zappa, 1988 - R.I.P.]
|
|
unclewulf
Moderator
Joined: 27 Nov 2007
Posts: 2088
Debtcc Points: 17744
|
|
|
| Posted: Sun Apr 06, 2008 6:48 pm |
|
|
Pay particular attention to a blog hit at Networkworld.
_________________
-
The four 'no's of dealing with collectors:
No validation?
No payment.
No way!
No kidding!!
Economic Stimulus information from the Infernal Revenue Sadists
Tellin' you all the zomby troof
Here I'm is, the zomby woof
[Frank Zappa, 1988 - R.I.P.]
|
|
unclewulf
Moderator
Joined: 27 Nov 2007
Posts: 2088
Debtcc Points: 17744
|
|
|
| Posted: Sun Apr 06, 2008 7:03 pm |
|
|
OK, I am NOT a happy camper you guys, I just spoke to a rep at Certegy, this is what I was told. I was told it was a precautionary measure, and there is nothing negative against my checking, it could have been other activity in my area which affected why my check was turned down. HUH????? And to answer your questions, I don't owe anymore PDL's. all paid and settled. I do however have debts in collection which I am trying to deal with, but my checking account is in good standing, I have never had a check returned for NSF. I requested a letter explaining why my check was declined, now I have to wait two weeks to find out the reason. 
_________________
Online Complaints Ohio Attorney General
Online complaints: Federal Trade Commission.
Ohio Payday Loan Laws
Ohio Consumer Protection Law
|
|
Shazzers
Moderator
Joined: 05 Dec 2007
Posts: 2574
Debtcc Points: 18693
|
|
|
| Posted: Sun Apr 06, 2008 7:06 pm |
|
|
Let us know what they say in the letter. This really has my curiosity up.
Did you catsh that hit at networkworld? Guesswork...
_________________
-
The four 'no's of dealing with collectors:
No validation?
No payment.
No way!
No kidding!!
Economic Stimulus information from the Infernal Revenue Sadists
Tellin' you all the zomby troof
Here I'm is, the zomby woof
[Frank Zappa, 1988 - R.I.P.]
|
|
unclewulf
Moderator
Joined: 27 Nov 2007
Posts: 2088
Debtcc Points: 17744
|
|
|
|
|
|
Shazzers
Moderator
Joined: 05 Dec 2007
Posts: 2574
Debtcc Points: 18693
|
|
|
|
unclewulf
Moderator
Joined: 27 Nov 2007
Posts: 2088
Debtcc Points: 17744
|
|
|
|
Shazzers
Moderator
Joined: 05 Dec 2007
Posts: 2574
Debtcc Points: 18693
|
|
|
| Posted: Sun Apr 06, 2008 7:25 pm |
|
|
Hey... Google is my friend. And like most true friends, he reports the bad news as well as the good.
_________________
-
The four 'no's of dealing with collectors:
No validation?
No payment.
No way!
No kidding!!
Economic Stimulus information from the Infernal Revenue Sadists
Tellin' you all the zomby troof
Here I'm is, the zomby woof
[Frank Zappa, 1988 - R.I.P.]
|
|
unclewulf
Moderator
Joined: 27 Nov 2007
Posts: 2088
Debtcc Points: 17744
|
|
|
|
Shazzers
Moderator
Joined: 05 Dec 2007
Posts: 2574
Debtcc Points: 18693
|
|
|
|
Shazzers
Moderator
Joined: 05 Dec 2007
Posts: 2574
Debtcc Points: 18693
|
|
|
| Posted: Wed Apr 16, 2008 4:54 pm |
|
|
Well folks I received a response from Certegy today, and I am not happy, in fact, I am very disturbed, because basically what they are telling me is, based on statistics, my check was declined at K-Mart. 
Here's the letter:
| Code: | Dear Ms. XXXXX,
This letter is written in response to your inquiry regarding our recent inability to authorize your check. Initially, we want to assure you that we understand the concern this can cause, and we apologize for any inconvenience you may have experienced.
Certegy Check Service (CCS) is a check authorization service. Our clients throughout the United States utilize the service to help reduce losses incurred through retail practice of check acceptance. For many CCS clients we assume liability should an authorized check subsequently be dishonored. CCS maintains a computerized file containing both returned check information and driver's license or checking account number. In addition to this information, over 40 years of check authorization and resulting loss experiences CCS has developed guidelines for authorizing acceptance of checks. Our system determines the potential risks associated with with checks. Many proprietary factors are evaluated and in making decisions for check approvals. We also track check writing based on many factors, including check sequence number,, check writing activity and check amounts. This process is designed to protect consumers and retailers and to prevent unauthorized individuals from writing checks on otherwise valid accounts. Unfortunately, valid check writing patterns can occasionally overlap with these patterns resulting in out inability to authorize a valid check such as yours.
Regarding our inability to authorize your check, although there were no returned checks on file, the check fell outside of approval guidelines. Unfortunately, we did not have any addtional information at the time to override the concern, and we again sincerely apologize.
In closing, we do appreciate and understand your concerns. Please contact our Customer Care Department at 800-352-5970 if we can be of further assistance.
Sincerely,
CERTEGY CHECK SERVICES, INC.
Customer Care Department |
I would REALLY like to know what guideline my check didn't meet.
_________________
Online Complaints Ohio Attorney General
Online complaints: Federal Trade Commission.
Ohio Payday Loan Laws
Ohio Consumer Protection Law
|
|
Shazzers
Moderator
Joined: 05 Dec 2007
Posts: 2574
Debtcc Points: 18693
|
|
|
|
|
|
JCEMT
Moderator
Joined: 10 Sep 2007
Posts: 2883
Debtcc Points: 26469
|
|
|
