My check was declined last night at Lowes based on information from Cetergy Check Services. I contacted Cetergy customer service to find out why my check was declined they gave me a run around and would only say that my check fit their "profile" and that bank's do not guarantee payment and the store does not have to accept my check. I have requested a notification in writing so that I may refer it to an attorney. I have had a checking account with the Navy Federal Credit Union for over 28 years and have never written a bad check. There was plenty of money in the checking account and I ended up paying with my credit union debit card without a hitch. Someone needs to check out this company. When you are denied credit the agency sends you a written notification of "why" they denied the credit along with the negaitive information provided and the reporting agency who provided it. This company tells you nothing but effectively blocks you from using your checking account at a merchant with no explanation. This does not appear to be ethical or legal.