Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #4519384
Complaint Overview
Complaint ID: 4519384
Company: Certegy Holdings, LLC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Other personal consumer report
Issue: Incorrect information on your report
Sub-Issue: Information is incorrect
State: Kansas
ZIP Code: 66061
Date Received: 2021-07-06T12:00:00-05:00
Date Sent to Company: 2021-07-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Certegy operates as an FCRA restricted enterprise that controls access to check cashing services. I attempted to cash my payroll check at my local XXXX. ( I have direct deposit but my hours were not submitted by my supervisor and so the corporation had to cut me a paper check and overnight it to me. I was given a printout with information to follow up with Certegy. Their reason for the denial : " This transaction received a decline recommendation from Certegy because it did not meet the acceptance guidelines which may vary by check cashing location and transaction. Factors may include a combination of : the check number, dollar amount, check cashing history, or other transaction details. Although this recommendation is final, we will evaluate all future checks at the time they are presented. Another option to cash this check is to visit the financial institution listed on it. '' In other words, we're not going to let you cash your check because we said so. There is not immediate access to obtain this cryptic information. I have only had one odd check cashing experience. My doctor 's office resubmitted my office visit account information because I have secondary health insurance. The office sent me 15 separate checks in mostly {$40.00} and some {$20.00} denominations. There were approximately 15 checks. I attempted to use my phone apps to deposit in my XXXX and XXXX card accounts. Both refused the checks I received from my doctor 's office. Ever since, I've had trouble with cashing checks. My complaint is the cryptic nature of the denial information available from Certegy. They hide under the guise of FCRA but don't operate with any transparency and have no means of appealing their determination.
Frequently Asked Questions
What is Complaint #4519384 about?
Complaint #4519384 was filed against Certegy Holdings, LLC regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2021-07-06T12:00:00-05:00.
How did Certegy Holdings, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Certegy Holdings, LLC?
Yes, visit the Certegy Holdings, LLC company profile at readthecomplaint.com/company/certegy-holdings-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.