Consumer complaint received 2021-10-22
Company: Certegy Holdings, LLC
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On XX/XX/XXXX at XXXX XXXX., I was shopping at the local XXXX XXXX store, located at XXXX XXXX XXXX XXXX, XXXX, Washington, XXXX. Usually when I shop at the store, I use my debit card to pay for my purchases, but occasionally, I write a check from our XXXX XXXX account, also located in XXXX, Washington. I have never before had a problem with writing a check and have been shopping there since the store was built in XXXX of XXXX. On this particular day, my check was declined. I was told that I needed to use another form of payment. I ended up using my debit card to pay for my {$300.00} in purchases, which I did not want to do as the person directly ahead of me in line had a severe XXXX  or XXXX and sneezed all over the card reader. When I asked the clerk why, they said that they used the company XXXX to verify if a check is acceptable or not and that I could call the company directly by using the phone number listed on the receipt to find out why. 

I tried several times to speak to a human but got nowhere. It was an automated service that directed you to submit a request for your information on file to be sent to you, but no information was given as to how to find out specifics or to have errors corrected. The grocery receipt printout stated the following : Date XX/XX/XXXX, Time : XXXX, Check amount {$300.00}, Reference # XXXX, XXXX  XXXX # XXXX, check # XXXX, We are sorry, but we are unable to proceed with your transaction. Our decision was based in whole or in part on information obtained from Certegy Check Services , Inc. Certegy provides authentication and risk management services to merchants and businesses nationwide. Certegy did not make the decision to take the adverse action and is unable to tell you the specific reasons why the adverse action was taken by us. Under the Fair Credit Reporting Act, you have the right to obtain a free copy of your information held in Certegy 's file, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information in Certegy 's file is inaccurate or incomplete, you have the right to dispute it with Certegy. You may reach Certegy at XXXX : toll free at XXXX, or write to Certegy Check Services , Inc. XXXX XXXX XXXX, XXXX, XXXX. 

We have used the same XXXX XXXX  for a number of years, have maintained several thousand dollars in it for a number of months, have not ever been late on any payment, credit cards are for the most part paid off monthly, our home mortgage is paid off, we have a stable income, my XXXX score is over XXXX, and I recently inherited my fathers estate, which is substantial. I can not for the life of me understand why my check was declined. Any help with this would be very much appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Cell phone : XXXX Email : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation