Complaint Review: Certegy Check Services Inc.

I guess I should of stated that all these three transactions were done in a span of 5 years. Yes I am stating i only received money 3 times in the span of 5 years.

The money order was given to me by my mother in law. she gets money orders so she doesn't spend her money. That day she had me cash it for her and certegy made it a problem. 

Yes if you tried to cash a fraudulent money order that is most definitely the reason you are in their system.  Regardless of if it was on the news or not, it should have been pretty obvious that something was up..but I guess you can chalk that up to the innocence of youth.

However, what is a little more interesting.  Is that in your original report you talk about trying to cash a Money Order.  But in your update you stated you were trying to cash your payroll check.  So just to say that if you are getting paid by your employer by money orders, you may actually be looking at more issues because that is not normal or the signs of a company that is truly on the "up and up". 

And just as a suggestion.  If you are not in "ChexSystems" you may want to seriously look at opening a bank account.  Not only to probably help you get past this issue, but the extra costs and hassle you are going through dealing with things without a checking account you may find it actually better to get one.  Just on the cost aspect.  Walmart charges $3 for checks under $1000, and $6 for checks over $1000.  So even if you cash 4 checks a month under $1000 you are paying $12 in fees.   You can find many banks that have a monthly fee under $12 for their basic accounts and they include a Debit Card.

I wouldn't know how to do it in the first place. I was a clueless unlicensed teenager selling a car I was given as a present on craigslist. Received a 5000 dollar check. Mind it was during the time before the scam was nearly making it to the news. I never could cash it but after trying and forfeiting it after finding out it was fake. I have had to deal with my denials when running my credit. So I'm not surprised If they have me down as doing fraud since the three checks I tried to cash was from payroll that I was given.

I don't have a regular cash flow that makes getting a bank account unnessesary. I never written a check nor a bad one my life. That would require me to have a bank account to do so

I don't have a regular cash flow that makes getting a bank account unnessesary. I never written a check nor a bad one my life. That would require me to have a bank account to do so

I am sure they are denying me because they have me down as doing fraud.

- So did you do fraud?   Is that why you don't have a checking account?

They will give you a denial if you have a history of writing bad checks or over drafts.  You say you don't have a checking account.  Why is that?  Maybe you have such a reputation.