Consumer complaint received 2015-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I made a purchase at an XXXX XXXX XXXX on XXXX/XXXX/15 and paid by check for {$210.00}. XXXX XXXX made an error when processing the check. They transposed a XXXX and a XXXX on the routing number for the bank account. XXXX XXXX then had Certegy Check Services ( XXXX ) claim that the check was no good. ( Certegy claim XXXX ). Rather than XXXX check their processing work, Certegy then handed the case over to another company called XXXX XXXX XXXX XXXX. ( XXXX - again claim XXXX ). I started getting notices a month later saying that I was writing bad checks. I contacted XXXX XXXX ( case XXXX ) and they advised that there was nothing that they could do as they do n't handle the accounting. I then spent 2 months trying to correct the issue. My financial institution ( XXXX Bank ) identified that XXXX and Certegy made an error in the processing and that I was in no fault. 
XXXX could not do anything to clear the fault, as it was determined that they did not have the original check. They forwarded me to Certegy who then forwarded me to Complete Payment XXXX XXXX. During this entire time, I was treated like I was dishonest even after having my bank send them a letter identifying where the error occurred. During this entire 2 months of working in good faith to resolve the issue, 1 ). I could not work with XXXX XXXX to ensure that they had their money. 
2 ). Complete Payment XXXX XXXX did not notify me at the address on the check or the phone number on the check, rather they sent letters to an address that I occupied 10 years prior. Fortunately, the letters eventually made it to my new address as I knew the new owner. 
3 ). I started getting harassing phone calls wanting me to verify my personal information with Complete Payment XXXX XXXX of which I had no idea who they where or why they kept calling me. I had never bounced a check in my entire XXXX years and knew of no outstanding debt. After numerous calls to XXXX, Certegy, my bank and Complete Payment recovery systems, I was able to have the penalty removed from the charge and got them to accept a new check on the same account that they made the error on. 
I would of thought that this was the end of my issue as I worked in good faith with all parties on resolving XXXX XXXX mistake but that was not the case. 

When I went to write a check for merchandise after spending 2 months to resolve this issue in their best interest, My checks are being declined. Being XXXX years old, having great credit rating, never bouncing a check I would not expect XXXX clerical error by a merchant to cause my checks to be declined. However, now when I go to a store to buy merchandise, my checks were declined with an " Certegy error code XXXX ''. When I contacted Certegy, they advised that my Certegy account had a negative posting ( related to the check processing error ) and that my account would be limited for the next 14 days. 
How can XXXX company, working on behalf of another company with no review of their error even after the problem was identified, have the ability to flag my banking account to the point where I ca n't even buy groceries? During this entire ordeal, I escalated with all XXXX companies and was told that they saw the issue, would work on it, and yet nothing happened other than my account being restricted. Now I had to open a debit account with my same bank in order to make purchases and wait 7 days for that to arrive. During which time, I have to pay cash for my purchases and limit any shopping that I do. I have yet to run my credit report, but since merchants are already declining my check, I suspect that it 's on it. This will directly influence any purchases that I make at any merchant out of fear that this happens again.