Consumer complaint received 2017-12-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I am contacting you to file an official complaint against Certegy Check Services XXXX XXXX XXXX XXXX XXXX, FL XXXX. But also to urge you to file criminal charges agaist them for their failure to adhere to the rules and guidlines of the Fair Credit Reporting Act ( FCRA ). 

** " You must be told if information in your file has been used against you. '' ** " You have the right to know what is in your file. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - More specifically they are in non compliance with the terms and conditions of a XXXX XXXX dollar settlement with the FTC ** " The FTCs complaint alleges, among other things, that Certegy did not follow proper dispute procedures. The complaint further alleges that Certegy failed to follow reasonable procedures to assure maximum possible accuracy of the  information it provided to its merchant clients, as required by the FCRA. '' ** " Among other things, the settlement requires Certegy to make improvements in these areas. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - On XXXX XXXX, XXXX I attempted to pay for services using a check. The vendor ran their customary verification with Certegy. Certegy " Declined '' my check. I was told to call XXXX which I did from the vendor 's location. Certegy 's " robot '' provided no information as to why my check was declined other than my check " did not meet there acceptance guidelines ''. It should be noted that I have never bounced in check in my life! And, I 've been writing checks for over 40 years. 
I went to Certegy 's website per their recommendation. Using their so called " Declined Check Look Up '' tool provided the same response. Once again, per Certegy 's recommendation I downloaded their " Free Annual File Disclosure Request Form ''. After completeing the form I sent it via registered mail along with a letter demanding a full explanation that includes specific, detailed, and verifiable reason ( s ) in declining my check. Certegy 's written response was an insult. They provided no information as to why this check was declined other than to regurgitate that my check " did not meet there acceptance guidelines ''. 
I contacted the Massachusetts Attorney General 's office via their website and was referred to their Consumer Advocacy and Response Divison. In working with the people at the Consumer Advocacy and Response Divison we made several conference calls to Certegy. Neither I nor the agents at the Consumer Advocacy and Response Divison could convince Certegy to reveal exactly why my check was declined. In fact, they flatly refused to let us speak with a manager to discuss this. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Please find and review the attached documents that further outline my problems with Certegy. 

++ Certegy Check Customer Service Transaction search.XXXX -- This is a screen shot of the results I got using Certegy 's website when attempting to learn why they declined my check.

++ Demand Letter To Certegy.XXXX -- This is the certified letter I sent to Certegy demanding an explanation for declining my check. 

++ Certegy ResponseXXXX -- This is Certegy 's response to my demand letter. 

++ XXXX XXXX -- This is a diary of my encounter at XXXX where my check was declined. 

++ Attorney General Claim Log.XXXX -- This is a diary of my efforts with the Massachusetts Attorney General 's Consumer Advocacy and Response Division. 

++ Certegy Check Services to Pay $ XXXX -- Copy of a FTC acticle where Certegy had to pay XXXX XXXX dollar fine for doing what they did to me. 

++ XXXX to Pay $ XXXX -- Copy of a FTC article where XXXX also had to pay a XXXX XXXX dollar fine for similar behavior.

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