Consumer complaint received 2019-02-05
Company: Certegy Holdings, LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Sirs ; On XX/XX/XXXX I attempted to write a ( good ) check at the local XXXX 's store to cover the cost of my purchase for {$2400.00}. My personal checking account had over {$15000.00} available. 

However, my check was denied by Certegy Check Services ( used by XXXX 's ), with no explanation given as to why. The employees at XXXX 's also had no information as to why I was denied. 

My wife then wrote a check ( {$2400.00} ) on her account which is in a different bank, in a different state, from mine. She had over {$40000.00} available in her account. Her good check was also denied by Certegy!  No explanation given for the denial. 

We then had to leave the store, go to my personal bank and have a cashier 's check drawn up to XXXX 's ( {$2400.00} ) to cover the purchase. 
I then returned to the XXXX 's store and completed my purchase. 

This incident has caused me and my wife personal humiliation and embarrassment in front of several other customers and XXXX personnel. Not to mention the adrenaline fueled 'anger ' I suffered through for hours because of Certegy 's inexplicable actions. 
Not a good thing for a XXXX year old man with XXXX XXXX! 

I came home after this incident and called Certegy attempting to get an explanation from them. However, all I was able to do was 'talk ' to their automated phone service. Where I got no answers what-so-ever ( apparently designed that way ). Less than useless! 

The next morning, after little sleep, I called the XXXX 's store and explained the situation to a manager there. She also could not give me any information as to why a person who has NEVER written a bad check in his life, with more than sufficient funds in his checking account, was denied. 

Same result for my wife who also has an excellent credit rating, no history of bad checks of any kind, ever, and had more than sufficient funds in her checking account to cover the check. 
Absolutely no explanation from the XXXX ' store manager as to why my wife 's good check would also have been denied. 

I see on-line that Certegy has hundreds of complaints against them for the very same reasons as mine.

I see that this has been going on for years and years.

I see that Certegy has been sued more than once for the same issues as mine, and forced to pay millions of dollars to the victims of their illegal abuses.

I see from the complaints, and from my personal treatment by Certegy, that they are STILL abusing innocent consumers who are simply trying to write a good check!!

I have also learned that these inept actions by Certegy may result to dings on my credit-rating and to that of my wife.

I write a GOOD check and because of Cetegy my credit-rating gets dinged? 

Certegy is used by many, many stores, not just XXXX. 
People are being hurt by their actions. 
Please deal with this humiliating, abusive company. 
Their ongoing abusive actions are illegal and are hurting good people! 

Thank you,

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