Consumer complaint received 2021-10-20
Company: Certegy Holdings, LLC
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I work for the XXXX XXXX XXXX XXXX XXXX XXXX  and stopped to get gas at the XXXX XXXX which has a gas station which I just realized from looking at this receipt is called XXXX XXXX XXXX at XXXX XXXX. XXXX XXXX XXXX IL XXXX. I think these are the same crooks who tried to rip me off in XXXX or XXXX a while back too whom I also reported to you for trying to fraud me and steal fees for a check that I had used to pay for gas one time of the numerous times I went there, which they had to run through twice but cleared, they were trying to charge me a NSF charge as if the check had been returned to me and they had not been paid but instead they HAD been paid and still tried to gouge me for the fee!!! This is fraud!!!! The company is CERTEGY that they use to steal the money for them, all of the gas stations and most businesses are now using these crooks, they are all over the internet have had class actions and other very large lawsuits filed and won against them!! They are declining peoples checks all over the country thousands or more at all the stores when people have plenty of money in their accounts and have never had a check returned, they are saying it is their system that randomly chooses people for different reasons, in my case it was just because I bought my gas at the one place numerous times with checks so it then flagged me, even though they were all good checks. 

So, I went to get the gas, only had a little over a quarter of a tank of gas and drive two hours round trip to work and home daily! I also do not have any other credit cards or ways to make a payment other than my debit card or checking account and had left my debit card at home. Of course this one time I go and really need the gas they decline my check. I am a twice widowed mother living alone and had no one to even call to get some extra money or help. I am contacting a lawyer and will lead another class action to sue these XXXX!!!!! I have won several lawsuits and will gladly take on another. Their information is Certegy www.askcertegy.com XXXX. Certegy Check Services XXXX XXXX XXXX XXXX XXXX FL XXXX. They have cost most of the businesses that use them to lose probably half of their client base, from what I have read and I am yet another one!!! I spend thousands at XXXX yearly but will now go elsewhere and I will refuse to do business with anyone who uses certegy as the others are, this was a humiliating experience and put me in a very bad situation being out of town with no help or other means of payment. THEY HAVE NO RIGHT to just STOP and DECLINE peoples checks, that is against the law!!!! Just as it is against the law to use fraud to steal fees from people who do not OWE them!!!!! This is what they were busted for in the most recent huge lawsuit, now the XXXX  are doing it again!!!!!! 

The last time I had to file a complaint with you about them and this was within the last year, they were to remove me from their database and send me a copy of all information they had stored on me in their database, which they never did, but lied to the regulators to avoid the fines!!!! Please look up this complaint and review. I want them held accountable for all NOW!!! I want ALL of my information removed from their system NOW and a copy of my file they have sent to me immediately!!!! I am also included that in my lawsuit!! I called the number to talk to them but kept getting thrown around on their electronic system, they kept trying to get my checking account number, my routing number and my Drivers License and SS number!!!!! And you wonder why their is so much fraud and identity theft going on in this country??? They are not getting any of that information. I hung up. This is nothing but a scam, they falsely decline checks for no reason, so people will call and give them all of their data, which they then are more than likely either selling to data brokers on the dark web or they are using it to monitor and track people and their spending, either way it is stalking and illegal!!! Please contact them and make them remove my information NOW and send me my file and I don't want this complaint closed until they have!!!! I also want you to go after them and shut them down and fine them so much money they will never be able to pay it for all of our troubles. I am a government employee and also want a cease and desist put on them and I WILL file a restraining order if need be they have been stalking me for some time if they tried this twice in a years time!!!! The businesses using them also should be held accountable in the same manner!!!!

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