Friday, April 13, 2007

Certegy Reason Codes

Certegy uses "Reason Codes" as a way to identify why certain transactions are denied. The codes are indicated on the slip you're given when a check is refused. Figuring out the meaning of these codes is about as easy as milking a bull. Certegy customer service representatives often refuse to explain what these codes mean, or at best give vague and nonsensical answers. However, based on the anecdotes of many people, I'm developing this list of possible explanations for each known code number. It's basically a compilation of the explanations people have gotten for each code.

I will update this list periodically as I get more details.

Reason Code 1: Negative information on file for the writer of the check; or writer of check may have bounced checks in the past; or the writer of the check needs to call Certegy to give them "more information."

Reason Code 2: "Some other reason for denial" (which Certegy usually won't disclose, other than to say that it's not that you have a bad check history). One verified example: the person lacked a previous history of writing checks. Code 2 seems to be the most common one.

Reason Code 3: Appears to mean that the check "seems risky."

Reason Code 8: Unknown. Possibly having something to do with writing more than one check to the same merchant in a short period of time.

I have not identified any other reason codes - yet.

87 comments:

Anonymous said...

You have no idea what the hell your talking about. There are only FOUR reason codes.
Reason one-Current outstanding checks. Once they are paid we don't give a damn.

Reason two-Risk patterns or a large influx of activity on your account.

Reason Three-IS AN ID ERROR! IN OTHER WORDS YOUR IDENTIFICATION WASN'T INPUTTED CORRECTLY. IE date of birth, missing a number, added a number it doen't fucking matter, it doesn't match it won't go through.

Reason Four-Is a casino only decline.

Anything else reason 8 whatever isn't even ours it's the individual merchants.

FightCertegy said...

Well, gee. I wonder how it is that I have "no idea" what I'm talking about. Could it be, perhaps, that Certegy routinely refuses to explain to consumers exactly why their checks are declined, and just what those codes mean? So we have no choice but to take educated guesses?

Since you're obviously a genius on the subject, how about enlightening the rest of us and explaining the following questions:

1. Why do people with no outstanding checks get Code 1's?
2. Why do people suddenly and randomly get Code 2's for "risk patterns" even when they've done nothing unusual?
3. What right does your company have to prevent me from using my own money in any way I please? I'm sick of hearing from people who (for instance) decide to renovate their home and the "influx of activity" prevents them from writing multiple checks? When exactly did writing multiple checks at various places, drawn on a good account, become questionable or illegal behavior?
4. #4 is not a "reason," it's a location. Why have a separate code for casinos? That doesn't tell the person WHY their check was declined - information they have a RIGHT to, whether you like it or not.
5. No one I know has opened an "account" with Certegy. No one I've heard from would ever want to. You can go ahead and close that account, at least for me.

Anyway, thanks for the information. In the future I'd love it if you'd cop a bit less of an attitude, though. It's not MY fault you work for Satan.

MEECH! said...

"You have no idea what the hell your talking about."

Wow. Based on this person's responses, I can really get a feel for Certegy's customer service.

Anonymous, you should be ashamed of your very poor conduct (and grammar).

Anonymous said...

"Could it be, perhaps, that Certegy routinely refuses to explain to consumers exactly why their checks are declined...."

Can you think of a reason why they would not want the algorithms they use to identify the patterns of fraudulent check writers to be public knowledge?

Anonymous said...

Well, Anonymous, besides the 4 you list I got reason code 5 today and it wasn't the merchant it was Certegy....Hmmm....now who doesn't know what they are talking about?

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Anonymous said...

Certegy and the vast majority of it's staff lack true professionalism. I can understand check declining with a system detecting bad past check writing, too high a check amount, or lack of some personal info, but when a $12 "Good Driver" check from Allstate (huge company) is declined with a person having perfect credit and reason code 3 is provided, that is not cool. It will subsequently hurt my shopping enthusiasm for Wal-Mart. Sad that this service has to reflect on the retailer. Target here I come.

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Anonymous said...

Don't sweat certigy, they wont last long. after 3 times of going all weekend without cashing my check and barely feeding my kids through the weekend the joke is on them. Someone scammed them for over ten grand last week. They got caught but the news said no money was recovered and it happens everyday. At that rate they'll shut down in 6 months.

Anonymous said...

I bought a moneygram money order for 450.00 to pay my rent, I gave him cash because the money order was at home when I ran into my landlord so I paniked not wanting to be late.
I went to walmart to cash the money order I was asked to punch my social onto the the keypad and instantly thecashier was able to tell me my old name, I changed my name legally with the assistance of the FBI so they should NEVER have read my old name aloud I was furious! keypad and got a code 3, I am a WITNESS I couldnt believe it. They denied a Moneygram money order that was blank to start and written to Walmart to cash it, so they gave it to me and told me to deposit into my bank account saying the money order was not funded, then they said I had two names. WHY THE FUCK WAS A WALMART EMPLOYEE ABLE TO SEE MY PROTECTED NAME?
We live under survellience for no good or fair reason, this country after 9/11 has turned on its ear and violates the constition daily and forget our civil rights-if we were innocent until proven guilty then we would go to court then get processed and arrested for misdemeanors that get dismissed!

Anonymous said...

Lets not forget that the customer service people stole over a million accounts and sold them to 3rd parties. Got my letter from the judge saying Certegy was paying back the money and never seen a dime. Tried Wal-Mart tonight ask to cash a check called them 3 times to make sure that I could went there declined reason #2 what ever that means. I don't even have a checking account just savings and these winners denied my school check how sick

Anonymous said...

Bottom Line Certegy fricken sucks hahahahahahaahah

Anonymous said...

Code 1 - Negative information on record associated with the DL or the account the check is from.

Code 2 - Risk. This could be anything from attempting to cash multiple checks in a short period of time to fraud prevention.

Code 3 - ID mismatch. It could be a mis-entered DL, date of birth, SSN or the fact that you have a goofy last name that got misspelled in a database somewhere.

Code 4 - Gaming limits. There are regulations regarding casinos that don't apply to regular merchants.

Code 5 - Previously approved. This is to prevent a check from being cashed multiple times. But more often then not this comes up when the register or it's operator fuck up.

Anonymous said...

kinda annoying when i went to walmart 45 minutes away from home to go grocery shopping and i go to cash a check and it gives me reason 3 ...then im handed a slip that says to call certegy and now i find out what the hell reason 3 is....wow...thanks certegy...not really.

Anonymous said...

my guess is they have a stake in a system of selling your data (the VIP sign-up) or want to force small businesses with low income employees to purchase a debit card payroll system as a way to pay the unbankable or under-served employees. Out of the blue my employees could not cash payroll checks today at HEB or at WalMart -reason 1 and the website gives the reason as not due to negative check writing information but as a preventative measure. Let's hurt the struggling entry level working folks some more how about, while those who employ them are going broke as well.. The banks, the merchant services, the irs, the credit reporting agencies are all getting a little out of hand with the power trip.

Anonymous said...

Friday I went to the Dollar General in a very small Missouri town (less than 1,800 in the entire county.) I was in the check out line and the cashier ran my check through the register. She announced that my check had been REFUSED. I couldn't believe it. I said what do I do...I know I have ample amount of funds in my checking account. I have shopped at the same Dollar General since they opened they doors over 18 years ago. I have banked at the same bank, same checking account number, saving account number, same home address for 29 years. I immediately went to my van and called my bank. I explained what has happened to the employee at the bank. She checked my balance and assured me that the denial was not from the bank. I asked her what could be going on. She explained that I had "Hometown Checking/insta cash" .... a program offered to customers through my bank that have excellent credit ratings. The bank will back me up even if my account falls below the minimum balance...therefore I will not ever have a negative balance in my account. I then went back inside and told the cashier that I had talked with my bank and that it was not them that denied my check. I asked what I should do. They said there was a 1-800 number at the bottom of the receipt for the refused check. I went directly back to my office and called the number...CERTIGY...they told me that the check was not refused based on insufficient funds, or bad credit rating but for irregular pattern. I asked what that meant and they (2 different representatives at Certigy) didn't know what "irregular pattern" meant. I asked what I had to do to get this straightened out. Both the first representative and her "supervisor" told me they could not overturn the decision. The only thing I could do was complete their gold application and see if they accepted me as a check cashing customer. I refused their gold application as they had and already said I had good credit and it was not for
insufficient funds. I asked again what "irregular pattern" meant and they would not tell me. I plan to report them to the Missouri Attorney General's office, the Better BUsiness Bureau and write the companies that hire certigy for the check/debit/credit card clearning house. Needless to say I am done shopping at Dollar General.

Anonymous said...

I don't care of what the codes are, but I know what just happened to us. Our employees have been cashing their checks at Wal-Mart for some time now (Birmingham, AL). All of a sudden they started refusing to cash them. There were all sorts of reasons given to the employee. One of them was that it was not Certegy declining the checks; it was your company declining to cash them. We have nothing to do with who will or will not cash checks or where you cash them, so this was a lie. Then it was that the company needed to call and update some information. So we contacted the 800 number. Mind you we are a multi-billion dollar company. It turned out that Certegy was trying to sell us their services. The way they got us to contact them was to refuse to cash the employee's check. This is a horrible way to seek business. I have shopped at Wal-Mart for years, but now think that I will be going somewhere else. Since they are the ones that employ Certegy they should be held accountable. I ask Wal-Mart - What are you doing about this?

Anonymous said...

Well after cashing several payroll checks at Walmarts they refused me tonight with reason number one. I tried calling that number Walmarts had given me to explain number one reason, but after several push this buttons & asking for my personal information I gave up. Then I tried going to their website to and it asked me to punch in the the checks info - no record found with Certegy. I guess I will go to the bank tomorrow to see what is up. Lol, good grief!

Lance said...

Anonymous is a low-level Certegy lackey fool.

Reason 3, for SURE, means that they do not have information on file about the check/check-writer. I tried to cash a BANK check for $23 from an out of state regional bank, and Certegy gave a REASON 3 for 'no transaction history with this check writer'. I verified with a Wells-Fargo employee, and a Transunion employee that this means they do not have previous experience with this merchant.

Being as I provided my legal Driver's License (the smart-chipped PASSPORT style), I'd say my ID is beyond question. If, in addition, Certegy is also banking fraudulent information on people, then clearly they are barking up the 'fraud', 'defamation of character', and possibly slander channels. Is that what you are clearly stating, MR. ANONYMOUS? That you work for Certegy and you children are building databases as you go, with unvalidated information? I know the Mexican in front of me cashing that check had SOLID ID on him...sure he did...don't go there, fool.

Needless to say, my bank was next door, I walked out, walked over, cashed the check, got in my car and left. Once they saw the BANK CHECK on the check I was cashing, and the cashier knew me, there was no CERTEGY to act damn foolish about cashing this measly $20 check...

Just another low-dollar, fly-by-night check verifier for big businesses that will go under, when their customers start getting slammed by them...

Anonymous said...

Certegy is bullshiat... I brought my certified 401-K remittance check to the WalMart "Money Center"... everything was fine, until Ceregy hit me with a Code 2. My check met their criteria for "possible" fraudulent or risky activity, and their lackeys would NOT be able to override this. Yes, I said certified check from a major bank! Screw Certegy... I'd rather be checked out by Telecheck! Sheez

Anonymous said...

TELL ME WHY!!!

I get off from a long ass day of work on fri 2AM so i go to walmart and i go and try to cash my check of 360 all of a sudden i see a ugly short white slip for reason 1ive see other ppl get it`i aint think it would happen to me tho damn thats some frog shit lol i jus hope i can cash ma shit somewer else wallyworld is officially wack

JONES!! BITCH!!

Anonymous said...

NNNNIIIGGGGGAAA

CERTEGY fuck a nigga ova real talk i was runnin smooth otta gas and ma shit walk already a clunker
so i had to cash dis check at walmart rite quick and get gas asap plus a nigga was try do a lil purchin in da store but certegy hoe ass declined ma check so now a nigga sittin here high and dry at walmart man aye man if u get dis i need a ride im still at walmart its been a month now certegy u fucked ma life up sumthin decent
but we in here sleepin in da subway part gettin it in



tbirdmen

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Anonymous said...

ditto to all the certegy haters!
I have consistant code 2's with my printed paychecks from a major bank. so what can we do?
I think I will start with bombarding their inbox with emails displaying the link to this website!

I encourage you all to do the same.

NM Guy said...

You know guys, we should all take the cashing check services somewhere else. Wal-Mart is going to realize that nobody is cashing their checks due to stupid codes and non-sense reasons and they will hopefully cancel their services with this "Certegy" company. By the way, this is an outsource Call center that you call to. Again, another company taking USA jobs somewhere else. They should hire monkeys and pay them less here in USA at least... Monkeys would be better train to answer questions than a person reading same scripts... and making up answers.

Anonymous said...

Certigy strikes again. Albertson's will cash it Walmart won't? THat means WalMart looses my grocery business to Albertson's. Thanks to Certigery more money lost for WalMart.

nitrejack said...

We need to bombard Walmart.com with e-mails with links to this site and other sites that are filled with complaints about Certegy. The BBB also has some interesting reading about a few hundred unresolved complaints about Certegy. In short, Certegy.com is costing Walmart multiple millions in sales.

Anonymous said...

Certegy must have robots that work for them.

Natasha said...

I tried to cash my Wisconsin Unemployment Check today (8/1/2012) at Wal-Mart. I just cashed one there the day before with no problem, but today was a different story. It was declined with a Reason #2. I was told the same thing regarding Check Fraud and I was like HELLO this is a State of Wisconsin Issued Check so you are telling me the State of Wisconsin is sending me fraudulent Checks? After talking with a few people I was finally told this!

I am not suppose to tell you this and could get in trouble, but I feel you should know,.. The issuing bank of the check has not been supplying Certegy with the validation for the checks it requests in a timely manor, so Certegy will then DENY all checks from that location until they comply within the set timeline of request. So now I was told they will NO LONGER CASH MY UNEMPLOYMENT CHECKS!

Natasha said...

Update: My dad's bank allowed him to cash it for me today and there was no issues,.. interesting?

Guaranty Bank
Germantown, Wisconsin

Anonymous said...

Just to add to the general jist of things. Wal-mart refuse to cash my first paycheck. I have been unemployed for a long time and bam! I get told reason three. I called the number and got the automated run around, went to the web site and found no information just ads trying to sell me stuff. Remember corportations are people too so another reason not trust republicans if this their world

Anonymous said...

Went with a close relative to Walmart's Money Store to cash a cashier's check drawn on a large bank. They could not cash it and gave us the white slip with the Certegy name on it. Same response as everyone else when he called. A canned response that they were not able to cash the check and could give no reason why. Does anyone know of a cash checking service/bank in south central Illinois that is not affiliated with Certegy?

Anonymous said...

Went with a close relative to Walmart's Money Store to cash a cashier's check drawn on a large bank. They could not cash it and gave us the white slip with the Certegy name on it. Same response as everyone else when he called. A canned response that they were not able to cash the check and could give no reason why. Does anyone know of a cash checking service/bank in south central Illinois that is not affiliated with Certegy?

Anonymous said...

Why am i a code 2 on a heck froman insurance company? Does the insurance company write bad checks? Iwasn't writing nor understand why you post you'll cash insurance checks but, won't!

Anonymous said...

Here my character reference before I start blasting away at Certegy. I'm a retired Master Sergeant and am studying to be an elementary school teacher. I also taught Sunday school. I was declined a check at Target, but they accepted a credit card? Does that make any sense? If there is a pattern, does accepting a credit card fall into Certegy's codes of denial? What a stupid way to treat a customer--let alone an innocent customer. I believe that Certegy exists to harrass people into using check or debit cards instead of paper checks. This is victimizing innocent people. I actually think using a database of people with PROVEN history of bad checks is a good idea--but don't victimize me.

Anonymous said...

Fuck them you can't even talk to a human. Then when you do it is over seas then you ask them to get a person in the USA then they hang up on them. They told me to wait then hang up, if I did that I would be fired from my job. Certegy and Wallmart needs to invest in the USA not china or the Philippines. What asses.

Sorry for the language but i have no other words for this P.O.S company.

Anonymous said...

seriously your protecting me from my own money water the flowers for real!

Anonymous said...

I got Reason 3 for not cashing my check " It seems risky" well its a unempolyment check from the state how is that at all risky!!!!!!!!!!!1 Dumb shit

Anonymous said...

walmart is not the only company using certegy lowe uses this trash dump. i often wondered if they pick checks at random. been doing bussiness with lowes for 15 years,spend thousands for my construction co. and get reason 2 on a company check. cant get nothing but a robot on the phone

elaine said...

Well. With your nasty mouth it must be true what everyone is saying about certegy. Scum.

LUVMYPEACHES said...

I went to Walmart moneycenter to cash a check for 62.18 from my employer

THE STATE OF CALIFORNIA

as I usually do, only the checks I usually cash are much larger
(2000+) and never had a problem. But last night I got the little slip of paper with a denial and REASON CODE 3. I called the phone number and the automated system said that the id doesn't match their records. Wtf? Its been matching for more than a year? so I finally got through to a live person who told me a completely different reason, which was "vital info was not captured when the check was scanned" so I should wait 5 minutes and have them try it again.
So I waited 10 minutes and tried it again. After a total of 4 tries I gave up and left.
Oh well Walmart lost my business.


Anonymous said...

What's really outrageous here is that you all still use checks. Next you'll be bitching that you can't find VHS players anywhere and that it's all some "big conspiracy" to get you to use DVDs.

Anonymous said...

well i got a reason 3 ! and its a check from the united states treasury ! idiots ! (but then again it could bounce these days )

Anonymous said...

@ Anonymous of 10/29/2012:

Are you reading 90% of these? Fail reading comprehension much? MOST of these are people trying to CASH checks, mostly at Wal-mart Money Centers. They do not necessarily have control over how they receive payments. Who knows why, but the company for which I work issues stupid paper checks, their bank doesn't exist around here, and I can't always wait an additional day for my bank to post the deposit (I'm sure that will get a "...If you people would manage your money better you wouldn't have to worry about it..." from you). That's why I tried cashing mine at Wal-Mart and got reason 2. Anyway, don't get all sanctimonious without understanding the problem.

Anonymous said...

Well answer this Anonymous, I went to Wal-Mart to cash a MONEY ORDER that was refunded to me and it was declined due to Reason 2. The only thing they could tell me was "ma'am, we see the money order is valid but we cannot overturn the decision because it does nit met our approval guidelines!!!!!" Wtf!!! Approval guidelines? You see this is a valid money order that was sent by money gram and it don't meet your APPROVAL GUIDELINES!!!!!

Anonymous said...

Your company is a bunch of Pussy sniffers who fuck clowns during a fool moon while eating the shit they spew to honest working folks!

Anonymous said...

My daughter works at Wal-Mart, we got a refund check from the eye doctor. Since it was after the banks closed and she wanted to get some stuff from the store we went to the Wal-Mart she works at and tried to cash the check. They gave Reason 3 as the code. She inputted her information three times and got the same information each time. I find it funny they can cash her payroll check but not a regular check. So, we called the number, and never got past entering in the amount. The system went silent and then hung up. Tried their website and you can't get there. This is such a crappy way to do business.

Anonymous said...

maybe it time the state's attorney looik into certegy and business operation.

Anonymous said...

I tried to cash A federal check from the Social Security Administration and was declined by Certegy.I called them and they said sorry try to cash it some place else.

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Code 2 Victim said...

I have been in business for 38 years. Never had a check declined in my life. Tried to purchase $71 of metal from a company that I had dealt with in the past but not in the last 3 years. Wrote them a check for $71 cashier run it through some computer and said checks declined. Looks like you have a code 2 here. WTF there is over $100,000 in that account. He sais cash or credit card your check is no good.
Way to go Certegy, they must know about my business than I do. I will use merchants that do not use Certegy from now on.

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Anonymous said...

I wonder if any one has tried to cash a payroll check at Walmart and was asked to input their Social Security number as a part of the transaction? Well we did this and were declined for reason 2. So from now on we will only cash our checks at the bank, and no more shopping at Walmart! We used to spend abour $120 a week there but Certegy just messed that up for them. I think we all should boycott any store which uses Certegy!

Anonymous said...

Certegy tries to get you to sign up for their VIP Check program. I think that is why most ppl are deined. I looked at the application for their program, and it wants EVERYTHING about you. SSN, Bank routing and account numbers, where you work, how much you make, how much is in your bank account, etc. Way too much personal info so they can cash my checks. I too was declined to cash a check at Walmart, reason 2, and ended up at a check cashing place which cost me $14 to cash my check. Unbelievable.

Debra Thayer said...

They told me I got reason 2 when trying to cash a payroll check was because I dont write checks

Debra Thayer said...

They told me I got reason 2 when trying to cash a payroll check was because I dont write checks

Anonymous said...

Just got home from Walmart. I called Certegy. Customer service told me its because of security reasons. I had reason#2 on the the little receipt. She told me to go cash it at my bank. I changed my direct deposit and it will take 2 to 3 pay periods to take effect, and of course we all know when you take a payroll to your OWN bank, they will hold it for 3 to 5 days. I needed this money to post ASAP!!! I understand the security reasons but come on... I've came across other websites and everyone else has said leave Walmart alone when trying to cash a check. Find somewhere else...

Anonymous said...

I attempted to cash a tax refund check at a very modest amount (under $500.00) today and was declined for reason # 2. I would just LOVE to know what the risk was for them cashing a government issued check.....has the US Treasury run out of money and I am just no aware of it?
though given our current financial sate..who knows
also their customer service I was atrocious!

Connie McCarroll said...

I bought a money order from Wal-Mart. I had to take it back the next day. I brought the money order, with no writing on it, and the receipt. They said they had to process it like I was writing a check. Certegy declined it Reason#2. I called Wal-Mart customer service, an assistant manager called me back, told me she would fix and to come back to the store. Went back to the store, went through the whole process again and was still denied. This is a money order I paid cash for from Wal-Mart. I took it back to the same store a day later and now I can't get the money back. That's insane. I don't have a bank account and don't want one. I don't understand why Wal-Mart would not cash it's own money order. I am sorry to say my little kid had to watch me lose my cool at Wal-Mart last night. What a hassle, no more money orders from Wal-Mart. Seriously considering shopping somewhere else all together.

Anonymous said...

This is a freaking ml check
A freaking company that handles your retirement, hope they deny u too

Anonymous said...

There are more than 4 codes..... the code that came up for mine was 99. The ladies at Walmart were as helpful as they could be. There was no paper though, with a phone number I could call. And even they couldn't understand why one didn't come up. This is a check from the Department of Treasury, from the State of MI.

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Anonymous said...

My SSI check was declined by walmart and albertson's today stating certegy reason 1 which they said there wasn't enough information to cash a goverment issued check from the department of the treasury this is my only form of income and they are denying my monthly income this is some bull shit

Anonymous said...

Then why, when I got a code 3 and called certegy , was I told it was because of a change. in my check cashing pattern. I No longer shop Wal-Mart. I haven't had a checking acct. for more than 20 years. The only chick I cashed his pay $180 retirement check. Wal-Mart Has cashed this checkmany times

Anonymous said...

Continued Suddenly they will not cash this one hundred and eighty dollar retirement check. The only other monies I have is my social security debit card Now I go to the bank and get my money from my debit card and spend cash. No more info 4 Companies. like certegy. And no more Walmart

Anonymous said...

Boycott Walmart. One simple reason for all these complaints. GREED. Screw the Walton bastards. Let their ship sink. Bye bye Walmart.

Anonymous said...

I just found out that I cannot cash my tenants rent money order! Reason #2 and they won't say why. I live on my rent money. What the hell am I supposed to do? This is just WRONG. It's a money order that has already been paid for.I'm screwed.

Anonymous said...

This information is outdated. Visit http://certegyhelp.com for more details on this topic.

Anonymous said...

Don't bother purchasing a Moneygram money order either...which is supposedly better and safer than a check...SINCE FUNDS HAVE ALREADY BEEN RECEIVED.

Denied at walmart (Certegy code #2) for trying to cash my monegram money order for which I had the receipts and MO stub. Walmart first said they wouldn't cash it unless it was filled out to WALMART.

So I obliged them and THEN they ran my ID and the Code2 came back. They wanted to give the money order back to me but I refused saying it was worthless to me. They got moneygram on the phone and verified the money order as valid. So I had valid ID and a valid money order...but some third party wanted to make my life difficult for whatever reason. AND THAT'S EXACTLY THE REASON. They (Certegy) can deny any transaction for any reason.

In my case, its a no brainer. I had a valid money order and a valid ID, and I had the receipts showing I purchased the money order. How can they possibly refuse to exchange this for cash??

Its ridiculous and just shows you how the jewboys at Certegy will control every aspect of your life.

I will never shop at Walmart again for misrepresenting themselves. However, I must say they did re-issue me another money order since I was adamant about not accepting the previous money order filled out to Walmart. I should have had my friend cash it immediately on the spot to spite them.

Its a system run my fascist thugs and completely backed by the US government.

Good luck to the rest. No one really gives a hoot until it happens to them. I had no idea until today.

I also wouldn't be surprised if this blog is being run by Certegy while they try and match your IP address with previous run-ins.