Thursday, April 12, 2007

Certegy: THEY Are the Fraud - Not You!

Bet you're pissed. Bet you're ready to scream. I'll bet, if you found this blog, you're having problems with a company called Certegy.

You're not alone.

A quick web search reveals thousands of hits and testimonials from people who have had companies refuse to cash legitimate checks or accept checks for payment, all thanks to Certegy's "services." Dozens of major companies - Wal-Mart, Staples, major grocery chains, nationwide clothing stores, even Amazon.com - use Certegy to "verify" checks and prevent what Certegy calls "fraud."

The problem is, a very large proportion of the denials Certegy puts through are just plain wrong. People have had checks denied because they wrote what Certegy thought was "too many checks," "too much money," or "at too many different places." Understand that none of this has anything to do with whether a check is forged or whether there's enough money in an account to cover it.

And understand that once you're on their list, you don't have much recourse. Even when you call the number they give you, their answers are vague and meaningless, often not making sense at all. When they do admit they're in error, you often still cannot cash or write a check; to do so you must join their "gold" membership by giving them additional information. Essentially, a third-party company claims that you must have its permission to do business with a retailer.

This is not acceptable.

I want this company to own up to the fact that its "algorithms" for determining fraud and check validity are deeply flawed. I want the retailers that use this service to see that they are losing a huge amount of money and many, many customers by employing a service that is essentially fraudulent. I want to get the word out and get the ball rolling.

As you can see, this blog is in its infancy. To really get it started, I need your stories. Send me an email with your "Screwed Over by Certegy" story, and I'll post it here. I won't post your email address or name or anything, unless you tell me to. Just let me know your general geographic location, the store where you had the problem, and (if you called) what the Certegy people told you.

Also, if you've got it, please include the "Reason Code" on the Certegy slip you were given. It's time for us to figure out just what those codes mean. I intend to post a guide to those codes right on the front page of this blog, so confused and angry consumers can begin to decipher their meaning. It's simply not okay for Certegy to refuse such information to people who've been screwed over by their fraudulent activities.

Let's expose these bastards. Please, email me at fightcertegy@gmail.com. (Yes, I know it's not a live link. I'm working on that. Short version: I have a browser incompatible with Blogger's new post editor. Just copy and paste the address.)

11 comments:

Anonymous said...

Certegy has been on the news in many states countless times. Guess what? THERE ISN'T A DAMN THING YOU CAN DO! EVERYTHING that we do is completely legal, we have the right to refuse a check for whatever reason we want. Feel free to sue us...it's happened many times...but you'll lose, because everything we are doing is following the law.

FightCertegy said...

My, my. Someone is sounding a bit defensive.

My response to your attempt to pick a fight is this. First, just because something is legal doesn't make it right. Second, laws can be changed. Third, Certegy HAS been sued multiple times. And plenty of people have won!

Incidentally, doesn't it tell you something that your company has been sued so much? Would you go to a doctor with 20 pending malpractice suits?

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Anonymous said...

Certegy IS NOT following the law. UCC 3-603 clearly states that if your tender is refused the debt is dischrged for that amount.

Did you write that check to Certegy? Probably not.

When your check gets refused, don't call the 800 number, call the Secret Service and give them the managers name so that he/she can be prosecuted.

Tell the SS that you require their assistance cause the store is making a claim against your property. That's right. It's yours.

The crimes that the store are committing are sedition, misprison of treason and unlawful conversion. Just to name a few.

Tell them to call their legal department and ask them if they want to be prosecuted also.

I bet they'll be really nice after that.

Unknown said...

Do you have the right to refuse a money order purchased from a location you try to prevent fraud at? LMAO it's a money order not a check, so why can't it be cashed

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