Complaints

This profile includes complaints for Certegy Payment Solutions, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Certegy Payment Solutions, LLC

  17757 US Highway 19 N STE 375 Clearwater, FL 33764-6592

• 

  Certegy Inc.

  2820-C Kalihi St. Honolulu,, HI 96819

• 

  Certegy Payment Recovery Services, Inc.

  652 N. Sam Houston Pkwy E. Houston, TX 77060

• 

  Certegy Payment Solutions, LLC

  PO Box 908 Grand Junction, CO 81502-0908

• 

  Certegy Payment Recovery Services, Inc.

  652 N. Sam Houston Pkwy E. Houston, TX 77060

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:03/05/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I tried to cash a Money Order at the local ******* and the transaction was declined due to Certegy Check Services. Apparently Certegy is unable to tell me the factors that went into that decision. I've tried calling the number given, the number on their website and it's the same recording and there's no option to speak to anyone. On their website it just tells you that the transaction was declined and their decision is final. This is a money order I purchased to deposit funds into my own checking account since there is no local branch of ********* here. Not being able to speak to anyone about their arbitrary decision is unacceptable. Now I'm stuck with a money order I can't deposit into my account via mobile deposit nor can I cash it. I need answers and don't want the very apparent standard response they've posted on every complaint.

  Business Response

  Date: 03/07/2025

  
  Certegy Payment Solutions, LLC
  PO Box 908
  ****************************
  
  
  March 7, 2025
  
  
  ******* *****
  , LA 70454
  
  
  
  Re:      BBB Complaint Case Number ******** ******* *****
             Certegy Case Number 832579
  
  This is written in response to your recent complaint.
  
  To provide some background information, Certegy Payment Solutions, LLC (Certegy), is an authorization services company. Certegys clients utilize our services to help reduce losses incurred through the retail practice of payment acceptance. For some clients, Certegy assumes payment responsibility should an authorized transaction be dishonored by a check writers bank.
  
  Unfortunately, we are unable to address your concerns without your full address and identifiers used in the transaction, as they were not included in your submission. Certegy uses your address to create a consumer profile, for tracking and responding to your request. We are unable to use a partial address and/or email address for this function. Additionally, without the identifiers used in the transaction, we are unable to research the complaint. In order to provide assistance, please provide the following information:
  
  Drivers License Number            ______________________________________
  
  State of Issue                            ______________________________________
  
  Social Security Number             ______________________________________
  
  
  This information may be provided by mail at the address listed above in our letterhead, by fax at ************, or by telephone at ************. Please reference the Case ID# ****** to assist the agent in identifying your complaint. Once this information is received, we will be able to research the information and respond accordingly.
  
  
  
  Sincerely,
  
  Customer Care Department
  ******************************************* **********************, LLC
  

• Initial Complaint

  Date:03/04/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Terriable customer service. Trying to get answers to a declined bussiness check they would not give me a reason why. When asked to speak to a supervisor I was put on hold the same operator came back on trying to use a different name giving me the same run around. Ultimately my bussiness check was declined based on reasons they can not validate. I cannot fix a problem that doesnt exist

  Business Response

  Date: 03/05/2025

  
  Certegy Payment Solutions, LLC
  PO Box 908
  ****************************
  
  
  March 5, 2025
  
  
  ***** ******
  ***********************************************************************************
  
  
  
  Re:      BBB Complaint Case Number ******** ***** ******
             Certegy Case Number ******
  
  This is written in response to your recent complaint.
  
  To provide some background information, Certegy Payment Solutions, LLC (Certegy), is an authorization services company. Certegys clients utilize our services to help reduce losses incurred through the retail practice of payment acceptance. For some clients, Certegy assumes payment responsibility should an authorized transaction be dishonored by a check writers bank.
  
  Unfortunately, we were unable to research your complaint or locate any data in our system based on the information provided. Without additional information to research the transaction we are temporarily unable to complete your request. In order to provide assistance, please provide the following information:
  
  Drivers License Number            ______________________________________
  
  State of Issue                            ______________________________________
  
  Bank Account Number               ______________________________________
  
  Bank Routing Number                ______________________________________
  
  
  This information may be provided by mail at the address listed above in our letterhead, by fax at ************, or by telephone at ************. Please reference Case #****** to assist the agent in identifying your original complaint.
  
  Once this information is received, we will be able to research the information and respond accordingly.
  
  
  Sincerely,
  
  Customer Care Department
  ******************************************* **********************, LLC
  

  Customer Answer

  Date: 03/05/2025

   
  Complaint: 23018347
  
  I am rejecting this response because:
  I am not comfortable passing personal banking info thru a 3rd party over the internet. 

  
  Sincerely,
  
  ***** ******

  Business Response

  Date: 03/07/2025

  
  Certegy Payment Solutions, LLC
  PO Box 908
  ****************************
  
  
  March 7, 2025
  
  
  ***** ******
  ***********************************************************************************
  
  
  
  Re:      BBB Complaint Case Number ******** ***** ******
             Certegy Case Number ******
  
  This is written in response to your recent rebuttal complaint.
  
  To provide some background information, Certegy Payment Solutions, LLC (Certegy), is an authorization services company. Certegys clients utilize our services to help reduce losses incurred through the retail practice of payment acceptance. For some clients, Certegy assumes payment responsibility should an authorized transaction be dishonored by a check writers bank.
  
  While we certainly understand Mr. ******* desire to keep his identifiers out of a public forum. We are unable to research his complaint or locate any data in our system based on the information provided. Without additional information to research the transaction we are temporarily unable to complete your request. In order to provide assistance, please provide the following information:
  
  Drivers License Number            ______________________________________
  
  State of Issue                            ______________________________________
  
  Bank Account Number               ______________________________________
  
  Bank Routing Number                ______________________________________
  
  
  We have provided multiple methods for Mr. ****** to provide this information. Those methods include by mail at the address listed above in our letterhead, by fax at ************, or by telephone at ************. If Mr. ****** does take advantage of these other methods, please reference Case #****** to assist the agent in identifying your original complaint, so Certegy can address it appropriately.
  
  Once this information is received, we will be able to research the information and respond accordingly.
  
  Sincerely,
  
  Customer Care Department
  ******************************************* **********************, LLC
  

  Customer Answer

  Date: 03/10/2025

   
  Complaint: 23018347
  
  I am rejecting this response because:

  I have already sent their form with our information by mail. However I will not give my bank account info thru a 3rd party online. 

  The Certegy ref# is 6354620019479
  
  Sincerely,
  
  ***** ******

• Initial Complaint

  Date:02/05/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased a service using Vegaro via Certegy using a Pay In Four payment plan. Unfortunately, the information for my bank account was entered incorrectly. I was unaware until after the third payment was due. I attempted to go back into their website/system and update my information so I could, 1) ensure the missed payments were caught up and 2) the future payments were able to go through. They have no way for a customer to see if their information is correct, no way to change the information, no way to update a form of payment. When you call the number listed as their contact, there is no way to speak to a human, and no way to update payment information via the automated teller. So basically you are screwed if any of your information is incorrect. You will be sent to collections, which their collections department is connected to them. Its not a separate entity.

  Business Response

  Date: 02/06/2025

  
  Certegy Payment Solutions, LLC
  PO Box 908
  ****************************
  
  
  February 6, 2025
  
  
  ****** *******
  ***************************************> ******, MI 48429
  
  
  
  Re:      BBB Complaint Case Number ******** ****** *******
             Certegy Case Number ******
  
  This is written in response to your recent complaint.
  
  To provide some background information, Certegy Payment Solutions, LLC (Certegy), is an authorization services company. Certegys clients utilize our services to help reduce losses incurred through the retail practice of payment acceptance. For some clients, Certegy assumes payment responsibility should an authorized transaction be dishonored by a check writers bank.
  
  Unfortunately, we were unable to research your complaint or locate any data in our system based on the information provided. Without additional information to research the transaction we are temporarily unable to complete your request. In order to provide assistance, please provide the following information:
  
  Drivers License Number            ______________________________________
  
  State of Issue                            ______________________________________
  
  Bank Account Number               ______________________________________
  
  Bank Routing Number                ______________________________________
  
  
  
  This information may be provided by mail at the address listed above in our letterhead, by fax at ************, or by telephone at ************. Please reference Case #****** to assist the agent in identifying your original complaint.
  
  Once this information is received, we will be able to research the information and respond accordingly.
  
  For Certegys buy now, pay later product, were unable to make modifications to the scheduled payments once they have been approved. For future purchases, you will need to reenroll. To pay for the outstanding claims, you can contact First Source to make a payment. First Source is a separate entity that performs collections on Certegys behalf.
  
  
  
  Sincerely,
  
  Customer Care Department
  ******************************************* **********************, LLC
  

• Initial Complaint

  Date:02/03/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I tried to enroll my city utilities payment in their autopay system and received a rejection that a third party verification system rejected my request. The phone number I attempted to call would not go through to a live person. After calling a different, non-consumer phone number, I was able to get to a live person who transferred me to a different line for consumers with live people. The *** I spoke with said the rejection was due to their "Risk Factor" model and that she could mail me (in 15 days) my ***ort. But the catch is, there is no way to dispute it since the "Risk Factor" model is a black box and no one is allowed to know why it rejects any accounts. So now I am unable to link my account for auto pay for my city utilities. The real kicker is that my city has been drafting my bill from this same account for over a year now, but this new system that uses Certegy is rejecting it.

  Business Response

  Date: 02/05/2025

  
  Certegy Payment Solutions, LLC
  PO Box 908
  ****************************
  
  
  
  
  February 5, 2025
  
  
  ***** ****
  
  , OH 43130
  
  
  
  Re:      BBB Complaint Case Number ******** ***** ****
             Certegy Case Number 819408
  
  This is written in response to your recent complaint.
  
  Certegy Payment Solutions, LLC (Certegy) is an authorization services company. To protect both consumers and retailers against losses from fraudulent or returned checks or Automated Clearing House transactions (collectively, Payments), we developed an automated system that predicts the likelihood of these outcomes in connection with a particular Payment. Payment authorization is not an extension of credit. It is important to remember that, unlike debit or credit card transactions, most merchants do not verify whether funds are available prior to cashing a check or accepting one as a form of payment. Instead, they may use our system to analyze the transaction for potential risk factors including but not limited to location, Payments and cashing history, check number, amount, and fraud trends. The information used in determining risk for our clients is primarily based on Payments history and actual losses to clients. For example, Certegy may recommend to a merchant that it not accept a Payment if it has similar characteristics to other transactions that were recently accepted and turned out to be fraudulent. It is then up to the merchant to determine whether they wish to take the risk of accepting the Payment. This service enables many of our clients to continue to offer Payments and check cashing options that might not otherwise be available without protection from exposure to potential losses. We cannot disclose our specific guidelines, or the services we provide to subscribing merchants would be compromised.
  
  We researched ************ transaction on January 30, 2025, for $1.00 and determined that one of the contributing factors prompting our decline recommendation was that the transaction fell within the risk parameters we were monitoring for our client. Further research determined that a prior transaction on January 25, 2024, received a decline recommendation based on our third-party account validation service, Early Warning Services that was unable to locate the routing and account number that was provided.
  
  Based on a recent telephone conversation with Mr. ***** our agent disclosed the new information and provided Early Warnings contact information. Additionally, we offered Mr. **** the opportunity to provide Certegy with a voided check and copy of his drivers license to research the matter further.
  
  We apologize for any inconvenience that this has caused. If Mr. **** should have any questions or need further assistance, he can contact the ************************ at ************
  
  Sincerely,
  
  Customer Care Department
  ******************************************* *********************** LLC
  

• Initial Complaint

  Date:01/28/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company is harassing me for payment from a PLAY+ SI SPORTSBOOK in the amount of $2,000 charged to a ****** account. I have confirmed with an account manager at ****** that my account was closed in June of 2024 and that no charges from the above vendor was made to my account when it was opened. My ****** account was hacked in June which in turn allowed the hack to 'go deep', compromising my personal bank accounts and credit cards. I have disputed this with the company and their response was to send me an information packet to complete (very intrusive, surprised they didn't ask for my blood type!!!!!). I responded with a refusal and notice to cease and desist. They have not. Equifax made notation on my FROZEN file (frozen in February 2024). I have fraud alerts on all my accounts as well as credit reporting agencies. How do I stop this company from repeatedly demanding payment for a debt I DID NOT incur?!?!

  Business Response

  Date: 02/04/2025

  
  Certegy Payment Solutions, LLC
  PO Box 908
  ****************************
  
  
  February 4, 2025
  
  
  ***** ******
  265 ******** WAY
  ******, NV 89403
  
  
  
  Re:      BBB Complaint Case Number ******** ***** ******
             Certegy Case Number 817252
  
  
  This is written in response to the above referenced complaint.
  
  To provide some background information, Certegy Payment Solutions, LLC (Certegy), is an authorization services company.  Certegys clients utilize our services to help reduce losses incurred through the retail practice of check / ACH acceptance.  For some clients involved in these transactions, Certegy may assume payment responsibility should an authorized transaction be dishonored by the check writers bank.  When a check does not clear through redeposit, it may be forwarded to an agency for collection.
  
  Using the information provided by our client, Play+ SI Sportsbook, on November 12, 2024, Certegy authorized an ACH (Automated Clearing House) transaction, in the amount of $2,000.00. The financial institution returned the payment as Unable to Locate and the returned item entered our files on November 19, 2024, as claim ********. An Unable to Locate account reason indicates an input error or miscommunication occurred when referencing the financial institutions routing and account number which was the reason the ********************** was not presented to your account. This transaction was not associated with a ****** account, but an ACH debit from a bank account to deposit funds into your Play+ account on November 12th. After consulting with Play +, they have requested your authorization to return the $2,000 from your Play + account to pay for the claim, which would cancel the outstanding amount owed to Certegy.
  
  Previously on December 27, 2024, Certegy received the dispute notification forwarded to us by First Source, wherein Certegy initiated a dispute under the Fair Credit Reporting Act 611 on Ms. ******* behalf. Certegy sent a letter and a fraud affidavit to Ms. ****** to complete and have notarized to verify that the transaction is fraud. The information requested in the affidavit permits Certegy to verify that Ms. ******* name, address and bank routing/account number are not associated with the fraudulent claim. On January 9, 2025, Certegy received Ms. ******* response, that she would not provide the requested information to investigate the dispute. At the end of the dispute timeframe, Certegy sent a letter to Ms. ****** with the result of the dispute investigation that the claim was accurate and would remain in our files.  ************* wishes to pursue the fraud dispute, once Certegy receives the completed affidavit, we will open and complete a new investigation.
  
  In accordance with Ms. ******* request, Certegy has taken steps to cease and desist further communication with the consumer regarding the claim, as well as advising First Source to stop collection efforts.
  
  ************* should have any questions or need further assistance, she can contact the **************************** at ************.
  
  Sincerely,
  
  Customer Care Department
  ******************************************* **********************, LLC
  

  Customer Answer

  Date: 02/04/2025

   
  Complaint: 22868751
  
  I am rejecting this response because:

  I did not initiate the transaction in ANY financial fashion. I do not know, nor have heard of Play+ Sportsbook until this incident. I do not ******. I did not attempt to open an account. I do not, nor have ever had an account with Play + Sportsbook. 

  I will not complete the affidavit form as the information is very intrusive. Considering the hacking and fraud to my legitimate accounts, I do not wish to submit any further personal/financial information to this company.

  I have notified the credit reporting agencies of this fraud as well as the ***********************************

  I do NOT owe any money.

  
  Sincerely,
  
  ***** ******

  Business Response

  Date: 02/12/2025

  
  Certegy Payment Solutions, LLC
  PO Box 908
  ****************************
  
  
  February 12, 2025
  
  
  ***** ******
  265 ******** WAY
  ******, NV 89403
  
  
  
  Re:      BBB Complaint Case Number ******** ***** ******
             Certegy Case Number 821047
  
  
  This is written in response to the above referenced complaint rebuttal.
  
  
  In response to Ms. ******* rebuttal, Certegys dispute process regarding fraudulent transactions is to request a complete notarized affidavit and legible valid drivers license to investigate when the fraud is on a consumers name/address or personal bank account. Neither an affidavit nor a police report were received with the requested information. Without the requested information, we are unable to determine what information is associated with the fraudulent claim. The disputed item will remain reported as fraudulent in our records but may affect your check writing or cashing privileges at any of our merchant clients locations.
  
  Our prior response to Ms. ******* initial complaint on February 4, 2025, explained that in accordance with Ms. ******* request, Certegy has taken steps to cease and desist further communication with the consumer regarding the claim, as well as advising First Source to stop collection efforts.
  
  If Ms. ****** should have any questions or need further assistance, she can contact the **************************** at ************.
  
  Sincerely,
  
  Customer Care Department
  ******************************************* **********************, LLC
  

  Customer Answer

  Date: 02/13/2025

   
  Complaint: 22868751
  
  I am rejecting this response because:

  The request to complete a form sent to me was rejected due to the fact that this company is unknown to me as is the initiator of the claim to collect $2,000 in gambling debt. The form requested very personal information which I refuse to do to protect myself from further account hacking and illegal and fraudulent use of my personal information. This case needs to be completely erased from their records and acknowledgment that the debt was incurred fraudulently and NOT by me!!!

  Sincerely,
  
  ***** ******

• Initial Complaint

  Date:01/22/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Certegy has been declining my checks at retailers for since 2011. I have multiple personal and business bank accounts as well as several credit cards Im not sure what these people are doing because I dont have any hot checks or issues with opening bank accounts

  Business Response

  Date: 01/23/2025

  
  Certegy Payment Solutions, LLC
  PO Box 908
  ****************************
  
  
  January 23, 2025
  
  
  ***** ********* SR
  ******************> TOPEKA, KS 66611
  
  
  
  Re:      BBB Complaint Case Number ******** ***** ********* SR
             Certegy Case Number 814375
  
  Certegy Payment Solutions, LLC (Certegy) is an authorization services company. To protect both consumers and retailers against losses from fraudulent or returned checks or Automated Clearing House transactions (collectively, Payments), we developed an automated system that predicts the likelihood of these outcomes in connection with a particular Payment. Payment authorization is not an extension of credit. It is important to remember that, unlike debit or credit card transactions, most merchants do not verify whether funds are available prior to cashing a check or accepting one as a form of payment. Instead, they may use our system to analyze the transaction for potential risk factors including but not limited to location, Payments and cashing history, check number, amount, and fraud trends. The information used in determining risk for our clients is primarily based on Payments history and actual losses to clients. For example, Certegy may recommend to a merchant that it not accept a Payment if it has similar characteristics to other transactions that were recently accepted and turned out to be fraudulent. It is then up to the merchant to determine whether they wish to take the risk of accepting the Payment. This service enables many of our clients to continue to offer Payments and check cashing options that might not otherwise be available without protection from exposure to potential losses. We cannot disclose our specific guidelines, or the services we provide to subscribing merchants would be compromised.
  
  Based on the transaction reference number provided, we researched Mr. ********** transaction at ****** on January 18, 2025, for $300.00. We determined that the contributing factors prompting our decline recommendation was that the transaction fell within the risk parameters we were monitoring for our client and there was no check cashing history associated with the identification number in our system. Unfortunately, valid checks occasionally overlap with certain risk factors resulting in a decline recommendation.
  
  As provided in the consumer file disclosure report dated January 19, 2025, our records contain transaction inquiries for a period of 24-months. We are unable to address Mr. ********** concerns on previously declined transactions.
  
  If Mr. ********* should have any questions or need further assistance, he can contact the **************************** at ************.
  
  Sincerely,
  
  Customer Care Department
  ******************************************* **********************, LLC
  

  Customer Answer

  Date: 01/28/2025

   
  Complaint: 22829367
  
  I am rejecting this response because: This company has been declining my checks for almost 11 years. I had a recent decline and ordered a consumer report from them. As I suspected there was not a single item listed on the report. So now that I have proof in hand Im going to be filing a complaint with the cupboard as well. This company puts you on a list for some arbitrary reason and will never remove you also customer service is a joke
  
  Sincerely,
  
  ***** *********

  Business Response

  Date: 01/31/2025

  
  Certegy Payment Solutions, LLC
  PO Box 908
  ****************************
  
  
  January 31, 2025
  
  
  ***** *********
  ****************************************
  
  
  
  
  Re:      BBB Complaint Case Number ******** ***** *********
             Certegy Case Number 816869
  
  This is written in response to Mr. ********** rebuttal.
  
  Check writing history, especially check writing history at merchant locations that utilize our services, is a significant factor in check authorization considering that banks typically do not verify funds or offer account validation ********************. Our system analyzes every transaction presented for potential risk factors, including possible fraud, using our guidelines. Many factors in addition to returned or unpaid checks, are evaluated in making decisions for transaction approvals including, but not necessarily limited to, check numbers, check writing and cashing activity, including lack of activity and amounts.
  
  Merchants take certain risk when accepting checks. By providing this service, many of Certegys clients can continue to offer check writing and check cashing options in most cases, which otherwise may not be available to their customers. The potential risk factors that we monitor for our client locations vary by client and location, and in order to protect both consumers and retailers against losses from fraudulent activity, we must keep the guidelines that we use when issuing an approval or decline recommendation for a transaction proprietary. If Certegy were to disclose those confidential, proprietary guidelines, it would seriously diminish our ability to prevent any type of fraudulent activity.
  
  We apologize for any inconvenience that this has caused Mr. ********** and we hope that the above information provides more clarification in the services that are provided to our clients. Although we can never guarantee the approval of future check transactions, we encourage Mr. ********* to continue performing check transactions wherever he desires.
  
  If Mr. ********* should have any questions or need further assistance, he may contact the ************************ at ************.
  
  Sincerely,
  Customer Care Department
  ******************************************* *********************** LLC
  

• Initial Complaint

  Date:01/09/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I attempted to make a purchase with a check on 26DEC24 at **********, Pinnacle at ************, ***************************************** (PH: ************). My check was denied when it was checked by:Certegy Payment ************** ********************************** PH: ************** I have had this checking account for over 40 years and am on check number 9052, with well over $40,000 in my account. I can write and cash checks anywhere except where the check has to be cleared by Certegy. Certegy refuses to tell me why they deny my checks. I want Certegy to explain why they deny my checks and to correct all seemingly wrong information they may have on me

  Business Response

  Date: 01/14/2025

  
  Certegy Payment Solutions, LLC
  PO Box 908
  ****************************
  
  
  January 14, 2025
  
  
  ******* READY
  133 ITAWA TRL
  VONORE, TN 37885
  
  
  
  Re:      BBB Complaint Case Number ******** ******* READY
             Certegy Case Number 810511
  
  To provide some background information, Certegy Payment Solutions, LLC (Certegy), is an authorization services company. Certegys clients utilize our services to help reduce losses incurred through the retail practice of payment acceptance. For some clients, Certegy assumes payment responsibility should an authorized transaction be dishonored by a check writers bank.
  Unfortunately, we were unable to research your complaint or locate any data in our system based on the information provided. Without additional information to research the transaction we are temporarily unable to complete your request. In order to provide assistance, please provide the following information:
  Drivers License Number            ______________________________________
  State of Issue                            ______________________________________
  Bank Account Number               ______________________________________
  Bank Routing Number                ______________________________________
  Social Security Number             ______________________________________
  
  This information may be provided by mail at the address listed above in our letterhead, by fax at ************, or by telephone at ************.
  Once this information is received, we will be able to research the information and respond accordingly.
  
  Sincerely,
  
  Customer Care Department
  ******************************************* **********************, LLC
  

  Customer Answer

  Date: 01/24/2025

   
  Complaint: 22785827
  
  I am rejecting this response because:

  I am not giving all my sensitive and/or protected information to the company.  The last time i did, someone immediately tried to fraudulently open two **************** credit cards in mine and my wife's name.  Plus, I highly doubt that everyone who wants to use a check at a business supported by this company has to first provide all their sensitive and/or protected information.

  It should be the company's onus to protect the business by doing the proper research on their end; not making the consumer "subscribe" to their service by providing sensitive and/or protected information.  I have the highest credit ratings, a substantial balance in my checking account, and have been with the bank for over 40 years (on check number 9068) 

  If this company continues to keep me on their "do not accept checks list" for no reason other than that I will not provide my sensitive and/or protected information- I will simply notify the compagnies that use their service that I will no longer do business with them   

  Sincerely,
  
  ******* Ready

• Initial Complaint

  Date:12/27/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Certegy harassed me for money i do not owe and asked for sensitive information to supposedly resolve this case. dealing with them is a nightmare and I think they just want to wear people out before they just give them $25 they don't owe instead of providing them with their drivers license number and bank routing information as they say they can not pull up an account without it, even though they provide you with a claim number. they say they can not pull up the claim number they provide themselves for money I did not owe unless I give them my state id number, full address, and bank and routing number.

  Business Response

  Date: 01/02/2025

  
  Certegy Payment Solutions, LLC
  PO Box 908
  ****************************
  
  
  January 2, 2025
  
  
  ***** *******
  *************************
  INDEPENDENCE, MO 64055
  
  
  
  Re:      BBB Complaint Case Number ******** ***** *******
             Certegy Case Number 805786
  
  
  This is written in response to your recent complaint.
  
  To provide some background information, Certegy Payment Solutions, LLC (Certegy), is an authorization services company. Certegys clients utilize our services to help reduce losses incurred through the retail practice of payment acceptance. For some clients, Certegy assumes payment responsibility should an authorized transaction be dishonored by a check writers bank.
  
  In response to your complaint, our agents must authenticate any consumer that contacts Certegy. In cases of a consumers telephone call, we request personal information (bank routing / account number and/or drivers license number) from the consumer to compare the information to our records. If the information provided does not match our records, we are unable to authenticate the individual, therefore Certegy is unable to share the information. The authentication steps are performed to prevent a consumers personal information being shared with an unauthorized individual.
  
  Unfortunately, we were unable to research your complaint or locate any data in our system based on the information provided. Without additional information to research the transaction we are temporarily unable to respond to your complaint. In order to provide assistance, please provide the following information:
  
  Drivers License Number            ______________________________________
  State of Issue                            ______________________________________
  Bank Account Number               ______________________________________
  Bank Routing Number                ______________________________________
  
  This information may be provided by mail at the address listed above in our letterhead, by fax at ************, or by telephone at ************, please reference the Case ID# ******.
  
  Once this information is received, we will be able to research the information and respond accordingly.
  
  Sincerely,
  
  Customer Care Department
  ******************************************* **********************, LLC
  

• Initial Complaint

  Date:12/20/2024

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They declined 3 of my state checks

  Business Response

  Date: 12/27/2024

  Certegy Payment Solutions, LLC
  PO Box 908
  ************************
  
  
  December 27, 2024
  
  
  ****** ******
  *************************************************
  
  
  
  Re:      BBB Complaint Case Number ******** ****** ******
             Certegy Case Number 801479
  
  This is written in response to your recent complaint.
  
  To provide some background information, Certegy Payment Solutions, LLC (Certegy), is an authorization services company. Certegys clients utilize our services to help reduce losses incurred through the retail practice of payment acceptance. For some clients, Certegy assumes payment responsibility should an authorized transaction be dishonored by a check writers bank.
  
  Unfortunately, we were unable to research your complaint or locate any data in our system based on the information provided. Without additional information to research the transaction we are temporarily unable to complete your request. In order to provide assistance, please provide the following information:
  
  Drivers License Number            ______________________________________
  
  State of Issue                            ______________________________________
  
  Social Security Number             ______________________________________
  
  
  This information may be provided by mail at the address listed above in our letterhead, by fax at ************, or by telephone at ************.
  
  Once this information is received, we will be able to research the information and respond accordingly.
  
  Sincerely,
  
  Customer Care Department
  **********************
  
  

• Initial Complaint

  Date:12/09/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am trying to cash a check and they are not allowing me to because I owe someone else money, I they are a collection agency trying to force me to pay by not allowing me to cash my check

  Business Response

  Date: 12/16/2024

  
  Certegy Payment Solutions, LLC
  PO Box 908
  ************************
  
  
  December 16, 2024
  
  
  ******* *****
  ******************************************
  *************************
  
  
  
  Re:      BBB Complaint Case Number ******** ******* *****
             Certegy Case Number 796332
  
  This is written in response to your recent complaint.
  
  To provide some background information, Certegy Payment Solutions, LLC (Certegy), is an authorization services company. Certegys clients utilize our services to help reduce losses incurred through the retail practice of payment acceptance. For some clients, Certegy assumes payment responsibility should an authorized transaction be dishonored by a check writers bank.
  
  Unfortunately, we were unable to research your complaint or locate any data in our system based on the information provided. Without additional information to research the transaction we are temporarily unable to complete your request. In order to provide assistance, please provide the following information:
  
  Drivers License Number            ______________________________________
  
  State of Issue                            ______________________________________
  
  Social Security Number             ______________________________________
  
  
  This information may be provided by mail at the address listed above in our letterhead, by fax at ************, or by telephone at ************, please reference Case ID#******.
  
  Once this information is received, we will be able to research the information and respond accordingly.
  
  Sincerely,
  
  Customer Care Department
  **********************