Certegy Check Services IS THE WORST SERVICE ever...they should be suied!!!

I wrote a check that bounced twice. I called Certegy, who was handling the check. They told me the check would not go through my bank a third time, so I wrote a 2nd check to them. They received and deposited it, and then the original check went through my bank! I have contacted them many times over the last 10 days to get it refunded and get a different story from every person I talk to. I have filed a complaint with our state Attorney General's office. It doesn't seem like it should be this much of a problem for them to just put the money back into my account, but they say they have to send it by mail. The moral of the story is, don't let a check bounce, but if it does and it goes to Certegy, don't send them a new check. They'll just keep running it through your account until it goes through.

During processing of my check to Cracker Barrel, Cracker Barrel's local bank processed the first two digits of routing number as a 2-8 instead of 2-9, so my check was never submitted to my bank for proper withdrawl of funds. Instead of checking into the matter, Cracker Barrel sent the check to Certegy to the Certegy Payment Recovery Services, Inc. for collections. Certegy has sent a threatening letter and made several "debt collection" calls, all threatening, in that I will never be able to open an accound nor cash a check unless I now pay them the orginal $20.67 plus their collection fee of $30.00 for a grand total of $50.67! I have sent them certified letters proving my innocence in this whole matter and went personally to Cracker Barrel's local bank and restaurant. Still waiting for the issue to be resolved!
My husband and I are getting the word out as best we can and are afraid to write a check, from an accound we have had since 1985! From now on, we use cash and no longer eat at Cracker Barrel -- we eat out a lot as both work long hours.

TRIED TO CASH A CITY OF STARKE CHECK AT WAL-MART. CUSTOMER SERVICE SAID THAT CERTEGY SAID NOT TO CASH IT. WHEN I CALLED, THE PERSON AT CERTEGY SAID THAT I FIT A PROFILE AND THAT THE DECISION WAS NOT REVERSABLE. WHEN I ASKED WHAT THE PROFILE WAS THE REP GOT AN ATTITUDE WITH ME AND WOULD NOT GIVE ME A ANSWER. I STILL WANT TO KNOW WHAT PROFILE I FIT. WALMART HAS A POLICY TO CASH ALL GOVERMENT CHECKS FOR 3 DOLLARS, ARE THEY DOING MISLEADING ADS JUST TO AQUIRE BUSINESS?

I am writing this letter to inform you of how disturbed and displeased I am at the way that your company and its employees conducts’ business. On December 2, 2008, I wrote a check to Verizon Wireless located in Chattanooga, TN for the amount of $32.76. I understand the check was returned to you because of some error that either your company or Verizon Wireless made with the account number. Because of this error, not on my part, I have had my checking account placed in a non working status by every merchant that uses your services! Put yourself in my place for a moment. Go shopping, stand in long lines to pay for your merchandise, and when you finally get to the registers, you get embarrassed and humiliated when you are told that we can not accept your check! If I wanted to pay with some other form of payment I would have never presented my check as payment. This is all that your employees would say to me when I questioned them about what was happening to my account. The check to Verizon was not returned because of insufficient funds, but because of some other type of error, again, not on my part. The claim number for this problem is 28336369.

I have been humiliated and embarrassed this entire month of December. Now, once this problem was brought to my attention, I took care of my part! I immediately sent payment to your company. You received payment on December 19th, the check cleared my bank on December 23rd, and I am being told that this block on my account will not be cleared or removed until sometimes during the first two week of January 2009!! This is inexcusable and uncomprehensible. If you have the ability to block account immediately, you need to have the same ability to restore that account when the problem has been corrected. Again, this problem was not on my part!!

I have been writing check for over 35 years and I have never had a check returned because of insufficient fund or had my check denied by any merchant that accepts personal check as legal forms of tender until I had to have some dealing with your company!! I want you to know and be aware of how this ruined my Christmas shopping experience this season, and how it has caused me undue frustration, embarrassment, and humiliation.

I feel as though, I should pursue legal ramifications for all the unnecessary humiliation and embarrassment that Certegy has put me through! Now, with this Christmas season behind us, and ruin for me and my family, what proof do I have that Certegy has not placed negative, as well as, incorrect information in my credit file! You seemed to have a no problem ruining others financially while trying to conduct your business. Your customer service department was uncooperative during this entire escapade and showed no signs of concern or compassion for this situation! In fact, they were quite arrogant and unconcern about this problem! Again, THIS PROBLEM WAS NOT CAUSED BY ME!!

Please expedite the restoration of my checking account privileges, as well as send me documentation that there has been no negative impact on my credit report or credit rating because of this problem. Please work on ways of preventing this embarrassing and humiliating situation from happening to good people again in the future. No one should have to go through this because of errors made by others!