Certegy Check Services, Inc. St. Petersberg, FL / Georgia

Certegy Check Services, Inc. St. Petersberg, FL / Georgia

Can you beat this. I make a purchase of $360.11at Best Buy and pay for this by check. The checking account has been established for 3 years now, check numbers in the high 600's, plenty of money in the account, a clean record of check writing with no check bouncing on file and all of this at a well known bank, in the region, that guareentees all checks to clear and that I have patronized for the past 25 years. So, it takes a while for the check to clear thru the check clearing service that works in conjuction with Best Buy...the checkout girl on the phone for a while but finally hangs-up and apologizing for the delay, and off I go with my purchase.

Next purchase, at Office Depot for $164.30. Again, the same thing, except this time it takes almost 15 minutes and the checkout girl informs me that my check has been denied and tells me that I have to call a 1-800 number to find out more information as to why. I pay for my purchase with cash and immediately call this number to inquire about my dilema. I finally speak to a rep who tells me that my check is not a guaranteed form of payment until it clears thru their check clearing process, my check numbers are low, and that my check did not met their guidelines.

The name of the company ...Certegy Check Services, Inc. I ask what guidelines are my checks not meeting, so that I may remedy the problem and continue writing checks in the future. I also asked what retailers they work with so I know which ones to avoid, and the names of the banks that they work with.

They tell me they do not have access to which guidelines that my checks are not meeting and they cannot give me any other information, and that they will send me an application to fill-out so that I can increase the amounts that i write my checks for and to also put me on a V.I.P. list so that this will not hinder my future check writing..untill then my checks will continue to be denied...WHAT THE F***! The next day I go to my financial establishment to address this situation and discuss this with a manager. The bank manager tells me they cannot do this.

I ask him to call the number given to me to confirm my call. He spoke to a supervisor who said told him the same that they told me the night before and also named Target, Kohls, Wal-Mart, Sears, Radio Shack, Office Depot, and Best Buy to name only a few.......the basic big name chains and as far as the banks....their were none they worked with. Before Certegy came along..all checks went thru Tel-a-check Services and I never had a problem. What kind of establishment is this and when did they acquire this power to deny my checks. I live in Hammond,IN 46324

So I was wondering if there are any consumers in this area whom are also having a problem with this Certergy Check Services. I remedied my problem by using my Debit Card.

Lisa L

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As a new small Business owner I have been contacted by certergy and their parent company fidelity information services I was planning on using them for check and credit card verifications until I found out how they operate, they are currently paying to settle a lawsuit involving the sale of personal info from eight milliom people including s.s.no. drivers lic. no. and bank and routing no.info they obtain when you write a check or use a debit/credit card at any of the businesses that use their service needles to say I would rather take a hot check from someone than be a part of that so for now my business is cash or check only(with out verification)

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THE ONLY WAY TO DEFEAT CERTEGY IS FOR EVERYONE WHO HAS HAD A PROBLEM TO CALL THOSE MERCHANTS USING CERTEGY AND MADE IT DAMN CLEAR THAT SO LONG AS CERTEGY IS USED BY THOSE COMPANIES, YOU WILL BOYCOTT THEIR STORES AND FORBID ANY FAMILY OR FRIENDS FROM EVER SHOPPING THERE EITHER.

GIVE THOSE MERCHANTS ABSOLUTE HELL. HAVE EVRYONE YOU KNOW ALSO MAKE THE SAME CALLS.

BY THE WAY, ASK FOR THE CONTROLLER, OR THE MARKETING DEPARTMENTS. CUSTOMER SERVICE REPS ARE BASICALLY USELESS, CANNOT REALLY DO ANYTHING AND AT THE END OF THEIR SHIFT, DO NOT GIVE A DAMN.

ONLY THE CONTROLLER OR THE MARKETING DEPARTMENT CAN FULLY APPRECIATE THE IMPACT OF A LOT OF TICKED OFF CUSTOMERS MAKING A CRUSADE OUT OF BANNING FRIENDS OR FAMILY FROM SHOPPING THERE.

OH YEAH! COMPLAIN TO YOUR ELECTED OFFICIALS. TELL THEM THAT IF NOTHING GETS DONE, IF YOU DO NOT GET BACK NOTHING LESS THAN PROOF OF LETTERS BEING SENT AND COPIES OF REPLIES BETWEEN THE OFFICIAL AND CERTEGY, THEN YOU WILL DEMAND THAT EVERYONE YOU KNOW OF VOTING AGE SHOULD NOT VOTE FOR THAT OFFICIAL.

DO NOT BE MEEK...BE BORDERLINE HOSTILE. MAKE IT PERFECTLY CLEAR THAT YOU ARE NEVER GOING TO LET THIS PASS. ONLY, ONLY, ONLY IF YOU PROJECT AN IMAGE OF SOMEONE WHO WILL NOT LET UP, SOMEONE WHO CAN BE EXPECTED TO DEVOTE MONTHS OR YEARS TO A NEVER ENDING BASHING OF THAT COMPANY OR OFFICIAL WILL ANYTHING GET DONE.

BEING NICE MAKES IT TOO EASY TO GET IGNORED OR MERELY GIVEN SOME BS. IF YOU CANNOT OR WILL NOT DO THIS THEN DO NNOT COMPLAIN, AND JUST ACCEPT BEING SCREWED. EARN THE RIGHT TO COMPLAIN BY TAKING ACTION. MAKE AT LEAST 10 CALLS TO CERTEGY CUSTOMERS..BIG CHAINS AND SMALLER STORES WHEN YOU FIND THEM EVERY MONTH. DO THIS EVERY WEEK...IT WILL GET RESULTS.

TRUELY, IT IS ONLY THE PROSPECT OF LOSING CUSTOMERS, THAT WILL GET STORES TO DROP CERTEGY. ONLY IRRATE CUSTOMERS WHO WILL INFLUENCE FRIENDS AND FAMILY FROM SHOPPING AT THOSE STORES WILL BE A CAUSE FOR ACTION AGAINST CERTEGY.

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I just filed a complaint with the BBB about Certegy. I had the same thing happen to me this afternoon and was so ashamed and embarassed. When I contacted them to find out the problem I was told the same thing that most of us have been told , "I apologize for the inconvience and if I'd like a app for the VIP list etc" hell no I want this corrected its not fair that they keep getting away with this.

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I had checks stolen and somebody copied my check with name of my institution and same acct number and routing # and made purchases out of it. so i had my bank close that account and gave another one. I went to Target and my NEW check w/ different account # got rejected.I wa shocked because I just got paid the day before and I knew I had more than enough to cover the sales amt. I was given a small receipt saying "it was due to information obtained from my Drier's Lic." And it listed my driver's lic. number on the slip. I was told to call Certegy. I paid with my debit card and the sale went thru with no hitch. So I did call Certegy, and they told me it was because I had checks forged. My question to them was how did they get hold of my Driver's license? Any way, they sent me forms that said "Affidavit of Forgery" which required me to have it notarized. On the form, thay wanted me to list my new acct number, my mother's maiden name, my SS# and signature. And that's when I went on line to look this Certegy up and find out how legit this company is. Needless to say, after reading all these complaints about this Certegy, I am not sending them any of my personal information.

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On Fri. Dec. 19, 2009 I purchased a laptop on sale (their last one) at OFFICE MAX in Norman, OK. Let me explain I am several decades over 21 with a perfect credit history and plenty of cash in the bank... NEVER a bad check in my history EVER... however, CERTEGY refused my check!

When I protested, the store mgr. called them back and got a real person on the phone for me to talk with. Their only reason for humiliating me in front of half a dozen people nearby in the store and forcing me to repeat my personal information 3 times was..... they had NO records on me !!!!!!!!! The CERTEGY rep said if I would write another check for the same amount, $909.26, she would make an adjustment so it would pass, but the original check would not.

I complained forcibly and repeatedly that all they had to do was CALL MY BANK, which was local... only 10 mi. down the road. But both the Office Max store mgr. and CERTEGY refused to do so.

After returning home at 2:00 pm I immediately called the corporate customer service # at Office Max, filed a complaint, and asked for immediate response via email. The customer service rep. was very nice, and assured me she would also be upset. However, there has been NO response from Office Max.

Due to the fact my personal information was broadcast repeatedly over a very quiet store, I will be changing my bank account number, and I informed both the store and the CERTEGY rep that I will never again spend one dollar in any store which uses their service.

This complaint will be posted in every online forum I can find, and there are dozens of them, all with plenty of other similar complaints about CERTEGY CHECK VERIFICATION SERVICES 866-496-2637, or P.O. Box 30046 Tampa, FL 33630-3046. http://www.retailsolutionsonline.com/ecommcenters/certegy.html

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Count another Cetergy victim here..... Tried to write a check at Target for $174, with plenty on money in the account to cover it. I only wrote a check because my debit card was damaged and unreadable by the machine. I was humiliated in line by the denial and when I called the 800 number they gave vague answers as to why my check was denied stating that my check met criteria for the denial but they refused to explain further. I wanted to resolve this issue so that it didn't happen again but couldn't due to the lack of explination.

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THIS HAS HAPPENED TO ME MY LIMIT WENT FROM $3500 -$1000 BACK UP TO $1500 DOWN TO $100 IN 5 DAYS. NO NEG INFO ON ME AND NOBODY AT CERTERGY CAN GIVE ME A REASON,IT SEEMS THE MORE I CALLED TO SEE WHY THE LOWER THE LIMIT AND MY INFO KEPT GETTIN KICKED OUT OF THE SYSTEM. THIS SYSTEM IS CRAZY! I COMPLAINED TO THE BETTER BUSINESS BUREAU....MAYBE EVERYONE SHOULD.

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I now consider myself a victim of Certegy as well. Today,I attempted to make a purchase from Shoe Show in Columbus,GA. I was paying a layaway out and purchasing more shoes, but had to write two different checks since they were two different transactions. The first check went through the second was declined. The manager and I could not understand the logic of this. I told the manager I would go home and get my debit card and return to the store. On my way back home, I called Certegy. The automated machine asked several questions regarding the check and then advised that I do not have negative check writing priviledges but they are attempting to maintain the security of the merchant because I wrote two checks. After hearing this, I was ticked off, so I decided not to return to the store. As I read all of these complaints, I will be more leary of supporting any merchant that utilizes Certegy.

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I too went to K-mart. My total was just 108.00. The funds were in the account. I thought I forgot my debit card and the store closed in a half hr. I normally don't write checks except the rent. I asked do you take checks and she said yes. I signed the check and she ran it through. She then stated your transaction was denied. I said denied with a look on my face like what are you talking about. She said yes denied. I looked further and checked every pocket and my purse and found my debit card. She ran it and it worked fine. She told me to call the 800 number which led me to google it. One question though, why is a debit card good through Certegy check services and not a paper check under the same account. They both get drawn from the same checking account. Funds are both electronically taken from one account. So one would think if the check got declined why not the debit check card? That is my question for Certegy Check. If I was to make a purchase online with a check and it would electronically post as a debit as if i was to use my check debit card. So why is plastic better than paper? So as Check Certegy brings embarassment to consumers because as per the machine the paper check is not ok and the plastic check is, it is just more of a hassle for a consumer which causes less shopping hurting the economy more-go figure. Oh and by the way a debit card is not so different than the paper check Certegy, because if one wanted too bounce a check they can do it was a debit card. Not all transactions show up right away before you make that next purchase. So you better think twice about your system declining checks, because if you make it easier for a consumer to use a debit card and don't work out the kinks of your system always declining a paper check. Eventually Certegy will have no paper checks to decline due to the use of debit cards. By christmas of next yr who is to say that you all will still be here. So think twice about being the grinch and ruining the Christmas Cheer.. Merry Christmas to all who went through the same issue!!!

also- My checks are in good standing I had the account for five yrs. They have never been declined before when they were used which isn't that often because the debit is easier.

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I too have been a victim of Certegy Check Services. They are indeed "The Grinch That Stole Christmas from my Family." I received my payroll check today 12/23/08 via the snail mail.

After working the past 22 hours straight, my family and I went to Wal-Mart, so we could finish our Christmas shopping.

The clerk at the check-out, said, because my check was almost $800 that I need to go to the Money Services Desk at the Super WM. OK fine, just holds up the line, i thought.

The lady at Money Services runs my paycheck through five times. Each time, I'm having to enter my SSN. When I asked if there was a problem, she says, no, just making sure I've entered the information correctly.

After the fifth try, she prints a small receipt that reads as follows; "ST# 0630 OP# 00003060 TE# 62 TR# 01229 REASON:2

We cannot cash this check. Our decision was based on information provided by Certegy Check Services, Inc. The Fair Credit Reporting Act gives you the right to know what is in your check transactions file at Certegy. You have the right to a free copy of your file from Certegy if you request it within 60 days. If you find the information in the file is inaccurate, you have the right to dispute it with Certegy. You can contact Certegy Check Services at 866-278-5478, or P.O. Box 30046 Tampa, FL 33630-3046"

I was pissed as my daughter's Nintendo DS Lite, three games, grocery's for Christmas dinner, and several small gifts for other family members where still at the register, awaiting my return to pay for them. I was almost in tears when leaving the store.

I've worked for the same company for five years, and never had a problem with any payroll check. Not to mention the Christmas Bonus Check that was hand written, that the lady at Money Services said, "Oh they won't take that one, because it's hand written." Wal-Mart and Certegy Check Services can Kiss My A*!...

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Yes, I've been a victim of Certegy too. Denying my payroll check at Walmart with purchases in hand. Also, I was one of the consumers that had their information stolen by Sullivan. I think Certegy has to be one of the biggest scams in American History and they should investigated by the government for their practices. Someone needs to do something about them.

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The same thing happened to me, December 20, 2008, at Game Stop in Clifton Park, NY, while I was trying to finish up Christmas shopping (after an ice storm a week ago and a snowstorm from the night before into Sunday). You can bet I was extremely irate. Nobody has the right to stick his nose into my financial business and spending practices! I also used a debit card to cover the games I had purchased. I probably won't shop there again. I just examined the Certegy card given to me by a Game Stop employee, and it appears as though this company is phishing for your banking information. Hello, I wasn't born yesterday! Additionally, after researching the company on the web, I discovered that a former employee, William Sullivan, is paying a hefty sum to plaintiffs to settle a lawsuit against Fidelity/Certegy and is probably in jail right now.

DO NOT CALL THEM OR GIVE THEM ANY OF YOUR PRIVATE OR BUSINESS FINANCIAL INFORMATION! They are not to be trusted.

This was the first time I ever heard of Certegy, and I shop at Kohl's, Walmart, K-Mart and JC Penney the most. This seems like it should be illegal, but I suppose it is intended to help stop fraud by consumers and loss of profit to businesses.

Additional information I learned:

This is NOT a bank but is acting like some kind of financial institution. To "recover" the amount of a "bad" check, they use a program called "SettleSmart." The following comes directly from their site, http://www.retailsolutionsonline.com/product.mvc/Certegy-SettleSmart-0002:

"For every merchant who has been waiting for a faster, easier way to handle returned checks, it's time to cash in. With SettleSmart from Certegy Check Services, all returned checks are received, reported, reconciled and collected from one centralized bank. From the point of sale to the day of reconciliation, you're free of bookkeeping hassles. Check fraud is reduced. Cash flow is controlled. Good customers get the respect they deserve. And, you can focus on what you do best: Earning more business.

With no special equipment to buy, SettleSmart is easy to implement. And even easier to use. At the point of sale, you simply stamp or endorse the customer's check with instructions to the checkwriter's bank to return any unpaid items to a special account set up by Certegy as though it were the first bank of deposit. There's no interruption in customer service. No additional paperwork. And check authorization is performed through your existing point-of-sale equipment. For you and your customers, it's business as usual.

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Here is all the info I have for contacting Certegy: Also; below is the BBB info for any complaint against them.

Certegy Check Services, Inc.

Certegy Payment Recovery Services, Inc.

11601 Roosevelt Boulevard

St Petersburg, Fl 33716

1-866-838-6092; 1-800-215-6280; 1-800-437-5120

Better Business Bureau of West Florida, Inc. (Clearwater, FL)

2653 McCormick Drive

Clearwater, FL 33759

Phone: (727)535-5522

Fax: (727)539-6301

Email: info AT bbbwestflorida.org

Web: http://www.bbbwestflorida.org

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I just filed a complaint with the Fl. BBB on this co. I submitted a check by phone (with my local phone company) to pay a bill. 2 Weeks later I get a letter from Certegy saying that I owe the original amount (the phone bill check) plus a $30.00 fee.

I found out that the checking account number had been entered wrong and my bank would not accept it.

I called Certegy and told them they entered the wrong number and they told me basically to shut up and color and that I still owed them the amount plus the $30.00. YEAH I DON'T THINK SO!!!

Anyway...the phone co. accepted responsibility for the mix up (they were great about it and felt really bad). But Certegy still wanted that $30.00 fee. Knology called Certegy and got the $30.00 waived.

But when I called Certegy to give them the correct account number; they ended up taking out the original amount 2Xs. So now I have 2xs the original amount taken out of my checking account. I called Certegy and they said that I would get my refund "when they processed the refunds" almost a month later! I cannot believe how Certegy thinks they can steal money out of my account and then reimburse me when they get around to it.

I am almost considering some kind of legal action against them. I don’t want money, but I want them to realize they can’t kick people around because they think they are too big and important to be bothered with us little people’s petty complaints...

This is the Resolution Request on the BBB complaint:

I want my refund sent to me ASAP; as was promised on 13 Oct by the CSR/Supervisor (Matt). And I also want a letter of apology sent to me. Finally; I want their processes and procedures to be addressed; due to this error on their part; to see that this never happens to any other customers in the future.

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I had the same experience at Home Depot and at Staples Office Supply. Interestingly, I have not had any problems at WalMart or other big chains, as yet. But I was furious when my perfectly good checks were denied. When I called Certegny, they would not tell me the reasons, but said they would send me an application. When it came, I realized there was no way I was going to send them my SS number, my bank routing number, and a cancelled check. So I went online and discover they have a history of problems with security and identity theft! My current plan is to send letters of complaint to all the local Certegny merchants informing them I will no longer do business with them, together with a dollar estimate of what that lost business could mean (we own two businesses, have remodeled 4 houses and are planning to remodel a 5th). We will be going back to small community-owned businesses that don't use Certegny, which is where we should have been trading all along. I would like to call all other victims of this scam to do the same! Above all, don't send the info/application to Certegny! Better to use cash even if is less convenient, it is safer in spite of the risk of losing your wallet which is better than losing your identity!

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Don't count on using your debit card to remedy the problem. Certegy will decline that just as fast as they will your check. My wife had BOTH her check and debit card declined for the same transaction at Walgreens today. I think a class action suit is definately in order.

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My wife and I shop at our Big Lots alot. We are there all the time. We went today and our Debit Card from our Bank was refused. The code number it gave was not even on Certegy's list of codes at the store. At another store it came back and said, "Purchase under $2M card denied. Now I cannot get hold of anyone at Certegy. I will be getting someone at my bank on Monday.

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I've read many of these complaints today after the same thing happening to me. I routinely give signed business checks to my apartment managers to make purchases for repairs. After talking to my manager, the store manager, being disconnected 3 times when selecting option 1 for declined checks and then selecting option 2 for something else to see if I could get through, and then waiting on hold for 10 minutes with Certegy to find out that my business check was denied for no apparant reason other than for 'security' - no problem with the bank account with $12K in it, no problem with the manager's driver's license number used as proof - only that our check 'fitted a pattern of previous fraud by someone else', I am ready to complain. SO ADD HOME DEPOT IN CALIFORNIA TO THE LONG LIST OF COMPANIES USING CERTEGY.

I'm adding my complaint in hopes that the large companies using CERTEGY will dump them and stop paying them to irritate their customers!

dc

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This happened to me today, July 15, 2008. I gave Sears a check on an account I've had since 1981, Ck#7443 for $30.30 and it was denied based on information from Certegy Check Services. I couldn't believe it and went online to check out this company and have found all kinds of complaints. How can they continue to do this. Sears will be getting a ltter of complaint that won't be very nice!

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Look up Certegy at BBB.org--since one of their employees sold 2.3 million names and acct. #'s to various "companies" you can expect more of the same....Certegy is bogus and I can't believe these major chains are so stupid as to use them! Research.

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The same thing happened to me yesterday at Big Lots, and I am one of their most regular customers! Not for long! I called the 800 number and got the BS trip! They couldn't tell me why I was declined and were going to have me call another number of another corporation to inquire why? I was not polite! I will be visiting my bank manager Monday and perhaps a lawyer! What a crock!

BTW, our bank president regularly sends us a letter suggesting we use our debit card as a credit card when we are out shopping, so that the VISA liability guarantees will be in effect, and because the less we use our PIN outside of ATM's the better.

Ho Hum! I am still hot about all of this!

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I do not live in your area, however, I had the same problem at Big Lots. I bought $1200 worth of furniture. My check was denied. There was plenty of money in the account, had never had problems writing checks on this account before. I also called a number the store gave me to find out why my check was denied; was given the same info you received and told they could not tell me the guidelines, as they didn't know them and they changed daily. A few days later I received a Certegy Gold Application in the mail that supposedly I had requested, asking for personal information,Driver's license number, social security number; banking information, such as, routing number of my financial institution, account type. Then, to top it all off, they wanted me to send them a voided check for each account. Is this a set up for identity theft or what? I live in California.

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I just had the same incident at Best Buy and called their corporate office and filed a compliant after getting no logical explanation from Certegy as to why my check was declined other than it fit into a criteria that is set up in the computer to decline checks. Best Buy corporate office made it sound like this was the first time that they've had a complaint but after looking at the amount of negative posts they are full of it. I told them that as long as they use Certegy to process their checks that I will never do business there. I had no idea as to how many major retailers use these idiots!

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HEY GUESS WHAT! YOUR CHECK IS NOT A GUARANTEED FORM OF PAYMENT - USE A FREAKING DEBIT CARD. OH YEAH, AND PEOPLE CASHING CHECKS AT WALMART - GET A FREAKING BANK ACCOUNT. OH, DON'T HAVE ONE. DONT RELY ON WALMART - IT IS AN CONVENIENCE ONLY. YOU'RE NOT GUARANTEED TO CASH A CHECK.

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I have had 3 checks denied to me in the last week! How freakin humiliating! Gutiar Center, DSW Shoes, and Lowes all gave me the same number for Cetergy Checks. The sails rep said the same things as listed on other complaints. No negative check writing history, on and on. It is embarrassing. I had more than $8.000 in my account and was was denied a $125.00 purchase. Unbelivable

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I also had the same humiliating experience yesterday with a check being denied at LensCrafters, in California. I have purchased eyeglasses from them several times in the past with checks with no problem. I couldn't believe what I was hearing when the clerk told me my check was not accepted. I had never had a check denied before. My FICO scores have been all in the 800+ range with a 20 year credit history, so this totally blew my mind. There was also approx. $2500.00 in the checking account, so after asking the clerk what the problem was several times and being told she had no idea...I called my bank (BofA). Again, the customer service rep also had no idea, but suggested I call Chex Sysems and gave me a number that was purely automated and no help at all. That evening, in a panic, I ran my credit scores with no changes...that was a small relief. I was afraid something had been put on there without my knowledge. After 24 hours of frustration, I went back to LensCrafters and asked the same clerk which company she had called. At this point, I think she felt sorry for me and gave me a comapany number for Certegy. I finally got to speak to a human being, however, the only responses she could give me were "often legitimate checks are denied because they do not fit into the patterns deemed acceptable"(upon furter questioning...she reported that she had no knowledge of the pattern or any details or reason why my check was denied.) The only positive piece of information I obtained was that the "reason" would be mailed to me. THANK YOU VERY MUCH CERTEGY FOR THE EYE-OPENING EXPERIENCE OF KNOWING THAT THERE IS BUT ANOTHER MONITORING SYSTEM TO THE DETRIMENT AND FRUSTRATION OF THE INNOCENT CONSUMER.

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Same problem. These people suck. I can't believe anyone works with them.

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I live in Florida and have had the same experience!! How often have you been denied!!!! I have been told that this probably will not happen again but looking at others experience It looks like I have just started this nightmare!!!

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Same problem and same questions in Virginia! I would be happy to join a consumers revolt.

Don

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I have had a problem with this company also. I have been going to Wal-Mart to cash my checks for a few months now with no problems, then one day out of the blue I get denied and I am given this number to call to find out why. When I call they tell me they need more information from my employer in order to continue to cash my checks. There has been no previous problem with cashing my checks and I work for a very large employer so I asked them what they needed from my employeer that is different now than it was last time they cashed my check - they could not tell me and just suggested that I cash my check at the bank it was drawn on. Due to the problems with this company I will not go back to Wal-Mart for their check cashing service again.

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The exact same thing happened to me. They could not tell me why my check was denied and also put me on the VIP list. What a crock of shit. This process took place at Home Depot, so you might want to avoid them in the future. It was very embarassing and I ended up paying with my debit card. Something needs to be done about practices such as this. I would also like to see what they use for deciding to deny a check. The Freedome of Information Act should require them to produce the methods used for denial of checks.

Tom R.