Business Profile
Check Cashing Services
Certegy Payment Solutions, LLCThis business is NOT BBB Accredited.
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Complaints
This profile includes complaints for Certegy Payment Solutions, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 192 total complaints in the last 3 years.
- 44 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:07/07/2025
Type:Order IssuesStatus: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.
My complaint is not only about one individual transaction, it's about many of them. For I don't know how long now I ALWAYS get declined to cash my checks! It doesn't matter what the check is for or from, I get declined. I go to the scrap yard from recycling metal, get declined. I try to cash my check from work (which I get every week.) Declined. I had Certegy send me my file so I could fix anything that would be causing this, and when I get it in the mail, there is literally not a single thing in my file! So there is absolutely no reason to decline all of my checks! It's completely asinine! And especially because it started just onr time out of the blue. One week I was able to cash any check I wanted, and the next, I wasn't able to. For no reason whatsoever! And it has been this way for years now! And frankly I'm so beyond fed up with it and this company it's unreal! In my opinion there should not be anyone else in my financial situation that I don't allow. It means that they see everything about how much I make, my account numbers and everything else! And then they are the ones that get to decide if they'll 'allow' me to receive the funds that I earned and am entitled to!? Absolutely unnecessary downright offensive! It makes me more angry than you can possibly imagine! I can't even explain all of the negative things that have happened to me in the past because they won't let me cash my checks! This company does literally nothing but harm. The harm it causes far outweighs the good it does. When I cash my checks it should be me and the bank and whatever third party cashing agency I decide to go to. Not some 'company parent' that gets to make decisions for you. We're all adults here. I'm sure we can handle it. Please stop controlling my checks! You have no reason to! Leave me alone! I have had enough!Business Response
Date: 07/08/2025
Certegy Payment Solutions, LLC
PO Box 908
****************************
July 8, 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
******************************************* **********************, LLCInitial Complaint
Date:06/30/2025
Type:Sales and Advertising IssuesStatus: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.
First I received an email from this company about owing them money for their services. I then started receiving letters from a collection agency concerning an alleged $55.67 owed. My company is a non-profit company and we have no need for their services and had never heard of them before. I called Certegy and tried to explain to them that they must have the wrong person/company. All they wanted was my private information and didn't ask any questions at all about the company. It was as if they were trying to scam me by getting as much personal info as they could.Business Response
Date: 07/01/2025
Certegy Payment Solutions, LLC
PO Box 908
****************************
July 1, 2025
****** ********
***************************************************************************
Re: BBB Complaint Case Number ******** ****** ********
Certegy Case Number 881111
This letter is written in response to the above referenced complaint.
To provide some background, Certegy Payments Solutions, LLC (Certegy), is an authorization services company. Certegys clients utilize our services to help reduce losses incurred through retail practices of check or electronic payment 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 is returned unpaid, it is forwarded to Certegy, who in turns purchases the item and initiates collection actions through a collection agency.
Using the information provided by our client, ************************** on March 5, 2025, Certegy authorized an electronic payment in the amount of $25.67. The payment was returned by the financial institution as Account Closed and entered our files on March 11, 2025, as claim ******** and assigned to ********, ******* & ***** for collection.
You can view information about Certegys services provided to Go Daddy on their website on the Help page for ****************** at: *******************************************************************************.
However, if you believe the claim information is inaccurate, Certegy can initiate a dispute investigation, on your behalf, with ************************** to verify the accuracy of the returned item on file.
If you should have any questions or need further assistance, you may contact the ************************ at ************.
Sincerely,
Customer Care Department
******************************************* **********************, LLCInitial Complaint
Date:06/16/2025
Type:Product IssuesStatus: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.
My check was declined by ****** by Certegy. This is a check from a local bank and even last week, Kroger accepted my checks, but not now. The automatic voice only says I am a high risk. There is money in the bank. The chat line at ************************** doesnt work in trying to get ahold of a real person. Thanks for helping me get this resolved.******** ******Business Response
Date: 06/18/2025
Certegy Payment Solutions, LLC
PO Box 908
****************************
June 18, 2025
******** ******
40124
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 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. Without the identifiers used in the transaction, we are unable to research the complaint. Once the information is received, we will review and respond accordingly
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
******************************************* **********************, LLCInitial Complaint
Date:06/06/2025
Type:Billing IssuesStatus: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.
Complaint: 23431333
I am rejecting this response because:I spent over 20 minutes on the phone using the number provided in Certegys letter. The representative had no idea what the case number referred to and repeatedly told me nothing could be found in the system. After putting me on hold multiple times, she eventually said she located the letter and instructed me to complete and mail or fax a document. I explained that the letter clearly stated I could provide the requested information by phonewhich I had just done, including my bank account and drivers license details.
She placed me on hold again, and when she returned, she acknowledged receiving the information and said another team would now handle it. This is the same vague language I received when I first disputed the charge directly with Certegy.
Furthermore, I DO NOT ACCEPT THE CLAIM that the transaction cannot be found. The charge was successfully identified over the phone with a representative during the initial dispute, using the transaction number that appears on the charge itself and serves as the identifier in Certegys system.
nt was ultimately successful, and a receipt was issued, which normally indicates a completed transaction.I believe this practice is misleading, harmful to consumers, and potentially in violation of electronic payment transparency laws. If a fee is to be assessed for a returned transaction, it should be disclosed before a successful retry, not after.
Sincerely,
****** *****Business Response
Date: 06/06/2025
Certegy Payment Solutions, LLC
PO Box 908
****************************
June 6, 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.
In general, Certegy provides authorization services for ACH or e-check payments for Go Daddy. You can locate information about the services and returned check fees on Go Daddys website, FAQ section for ******************* *******************************************************************************
Unfortunately, we were unable to research your specific 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
******************************************* **********************, LLCBusiness Response
Date: 06/16/2025
Certegy Payment Solutions, LLC
PO Box 908
****************************
June 16, 2025
****** *****
***************************************************************************************
Re: BBB Complaint Case Number ******** ****** *****
Certegy Case Number 874113
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 payment does not clear through redeposit, it may be forwarded to an agency for collection.
Using the information provided by our client, **************************, on April 25, 2025, Certegy authorized an electronic transaction in the amount of $42.16. Our records show a second authorized transaction on April 27, 2025, for $22.17. The financial institution returned both checks as Insufficient Funds and the returned items entered our files on May 1, 2025, as claims ******** and ********. The bank return reason indicates the funds were not available at the time the transactions were presented to ********************** institution therefore, a service charge of $50 was added for each returned payment.
Our records reflect that upon redeposit, payments were received for the original debts and posted to each claim on May 8, 2025. The returned payment fees were processed electronically and posted on May 9, 2025.
On May 21, 2025, Ms. ***** contacted Certegy by phone and requested a dispute of the service charges. Certegy completed its investigation and found the fees were valid and denied the waiver request, notifying Ms. ***** of the results by mail on May 26, 2025.
You can view information about Certegys services provided to Go Daddy and the return payment service fees on their website on the Help page for ********************** at: *************************************************************************************;
For further information or assistance, please contact Certegy at ************.
Sincerely,
Customer Care Department
******************************************* **********************, LLCInitial Complaint
Date:06/02/2025
Type:Service or Repair IssuesStatus:ResolvedMore 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.
Better Business Bureau:
I think I got it resolved
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
**** ******n front of me and she suddenly found it. She refused to clarify any information.I want this harassment to cease. I will pay the $15 (provided they explain why I owe it), but not their fee. I want them to clarify the issue and stop giving me the runaroundBusiness Response
Date: 06/03/2025
Certegy Payment Solutions, LLC
PO Box 908
****************************
June 3, 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:
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
******************************************* **********************, LLCInitial Complaint
Date:05/27/2025
Type:Service or Repair IssuesStatus: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 have a problem with a check clearing company, they refused a check for *** and refuse to tell me why they refused the check. They have the power to stop a transaction of ours, my wife and I, but give no reason for that action. PLEASE SEE ATTACHMENTS.Business Response
Date: 05/29/2025
Certegy Payment Solutions, LLC
PO Box 908
****************************
May 29, 2025
**** ********
*****************************************************************************************
Re: BBB Complaint Case Number ******** **** ********
Certegy Case Number 867931
This letter is written in response to the above referenced complaint.
Based on ***************** verbal authorization during the call received on April 15, 2025, we are responding to Mr. ********* complaint concerning his wifes declined check written to ** ******.
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 at ** ***** on March 11, 2025, for $200.00, based on the reference number provided with the complaint. Although there were no returned checks on file, the contributing factors prompting our decline recommendation was that the transaction fell within risk parameters we were monitoring for our client and there was no prior transaction history associated with the routing/account number in our system for the last 13 months. Unfortunately, valid checks occasionally overlap with certain risk factors resulting in a decline recommendation.
If Mr. ******** should have any questions or need further assistance, he can contact the **************************** at ************.
Sincerely,
Customer Care Department
******************************************* **********************, LLCInitial Complaint
Date:05/22/2025
Type:Billing IssuesStatus: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.
Complaint: 23367471
I am rejecting this response because:
Sincerely,
**** Of Favors **** Of FavorsPlease call me at ***********
Business Response
Date: 05/27/2025
Certegy Payment Solutions, LLC
PO Box 908
****************************
May 27, 2025
**** FAVORS
*************************************************************************************
Re: BBB COMPLAINT CASE NUMER ********-**** FAVORS
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, as the complaint did not contain the declined transaction information. 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 ************, 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
******************************************* **********************, LLCCustomer Answer
Date: 05/29/2025
I will not give out bank account information on this planform.Business Response
Date: 06/03/2025
Certegy Payment Solutions, LLC
PO Box 908
****************************
June 3, 2025
**** FAVORS
*************************************************************************************
Re: BBB Complaint Case Number ******** **** FAVORS
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
******************************************* **********************, LLCInitial Complaint
Date:05/20/2025
Type:Billing IssuesStatus: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.
Random check refusals due to fraudulent history they pick up on with there algorithms that are obviously not working properly seeing that there is nothing wrong with my accounts. It happened with my personal account and now with my business checking account just out of the blue Then they dont have a real person to talk to unless you give some stranger your SS #, checking account # , routing #, Thats Crazy! They have too much power with peoples use of funds and how they affect peoples everyday purchasing that we drove a long ways to do , then gets declined at the cash register with no explanation, and no one quickly responding, or a human to help with the problem. But the peoples time is waisted and they put a flag on our account and affect us with every other vendor! How do we stop this overreach of power running on obviously bad information???!!Business Response
Date: 05/21/2025
Certegy Payment Solutions, LLC
PO Box 908
****************************
May 21, 2025
***** *****
********************************************
****, NY 14846
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
******************************************* **********************, LLCInitial Complaint
Date:05/05/2025
Type:Service or Repair IssuesStatus: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.
Complaint: 23283490
I am rejecting this response because:You do NOT need my bank account information because that is not used to cash a check. I guess that's just part of your robotic copy paste response.
My driver license is ******* - ***************** - I want to know why I am denied every single check I try to cash without fail. You guys are a monopoly and run every check verification system for every store possible, Every single valid check I try to cash gets denied. There is no reason why. You should be able to find out my information with my driver license because you have the clerks enter my license information, so look up my denials and tell me why I am never allowed to cash a check in stores. Even a cashiers check directly from ****************... DENIED. Pay checks from employers... DENIED.
FIX YOUR FLAWED SYSTEM
Sincerely,
****** ******Business Response
Date: 05/07/2025
Certegy Payment Solutions, LLC
PO Box 908
****************************
May 7, 2025
****** ******
******************
********, CO 80023
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 ______________________________________
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 #****** 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
******************************************* **********************, LLCBusiness Response
Date: 05/14/2025
Certegy Payment Solutions, LLC
PO Box 908
****************************
May 14, 2025
****** ******
*********************************************
********, CO 80023
Re: BBB Complaint Case Number ******** ****** ******
Certegy Case Number 859739
This is written in response to your recent complaint.
To provide some background information, 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 Payment 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 check. This service enables many of our clients to continue to offer Payments and 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 our files based on the identification you provided in your response. There was no recent or prior transaction history associated with the identification in our system in the last 13 months. This may be the result of the identification that was used to enroll with the merchant to cash checks has since changed (moved to new state; changed name or used a different ID to enroll). If you have an alternate identification number that was used to enroll, please provide us with the state and number, so that we may research your complaint.
We apologize for any inconvenience that this has caused. If you should have any questions or need further assistance, you can contact the ************************ at ************.
Sincerely,
Customer Care Department
******************************************* **********************, LLC
Certegy Payment Solutions, LLC is NOT a BBB Accredited Business.
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