Consumer complaint received 2022-03-15
Company: Certegy Holdings, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Non-Compliance of FRCA/GLBA On the evening of Tuesday, XX/XX/XXXX, I went to my local Grocery store, XXXX 's XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX. I purchased {$240.00} of various items. I mistakenly wrote the check for {$280.00} and before handing it to the cashier, noticed my mistake, and the cashier said no worries and he would return {$40.00} to to me in cash. 

Upon running the check, against XXXX 's check processor 's database, Certegy Payment Solutions LLC, XXXX XXXX XXXX, XXXX, FL XXXX, the {$280.00} was suggested by Certegy ( who guarantees the check amounts that XXXX receives in the course of business ) recommended to XXXX, that the check I had written should not be accepted. All the while, I had more than a funding balance in my checking account. 

After about an hour of embarrassment and the speculation of being a fraudulent check writing criminal, I decided I would re-write the check for the exact amount of XXXX, which surprisingly was processed and authorized by the Certegy algorithm, no problems. 

It was printed on my XXXX receipt the consumer rights of the FRCA as well as the contact information for Certegy check processor. As such, that evening, I requested by ( self-service phone call ) my consumer file from Certegy, and received by mail a consumer file disclosure on XX/XX/XXXX, which indicated " No Information on File '' for the Past 24 months and which included 5 pages of FRCA and other " consumer rights. '' Upon two phone calls with Certegy, on the evening of XX/XX/XXXX, the agents of Certegy, did not know the difference between a complaint and a dispute. It was also denied any affiliation with FRCA or credit services because they were only providing " check processing '' and using my Personal Identifiable Information to asses risk. 

Basically, being told that FRCA does not apply to them, as it was a consumer 's personal bank check. This includes using my drivers license number, bank routing and account number. When asked, they did not provide my credit score, nor could they provide specifics as to why one check was good, and the other was bad. They also informed me there is no guarantee that it wont happen again. 

I believe their decision to deny my personal check was without merit or cause. As such, I believe both my privacy and consumer rights have been violated by this " automated '' algorithm, insufficient data, and non-compliance with consumer protections. 

The embarrassment and electronic notification suggesting to the retailer that my personal check was bad, and not authorized or that of being a fraudster is unacceptable. I believe my both my privacy rights and consumer rights have been violated under FRCA and GLBA.

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