Complaint Review: Guitar Center - Los Angeles California

As I had said, your gripe was with Certegy NOT Guitar Center. Guitar Center had nothing to do with Certegy withdrawing the money after you had sent in the payment. Guitar Center was not going to pay you anything. I am glad you are receiving the money back from Certegy. I do hope you learned not to try this stunt again!

Can you not read? I was the one saying checks are obsolete. One last time for the intellectually challenged : Certegy took money out of my account way AFTER I had paid the check. That has nothing to do with whoever owns the check having the right to resubmit three times. LATEST DEVELOPMENT : CERTEGY IS REFUNDING ME THE MONEY PLUS THE ORIGINAL BANK FEE. This is more than I asked for...I'm happy! ps: if not prepared to call me a loser to my face don't do it online...coward.

Boris, First of all, if you didn't have the money, why are you buying guitar stuff in the first place? Unless you make your living playing guitar, then that's just foolishness. Second, as the others posted, the days of floaing checks are over...and soon checks will vanish altogether. That's closer than you think. Checks are now debited almost immediately through the same machines that process debit cards. If you don't have the cash, don't buy it...isn't that something you learned in school or by your mom and dad? Aside from that, if you do bounce a check, they can resubmit it for payment up to 3 times...and you get stuck for fees each time...sorry...read your checking account agreement sometime as well as the laws pertaining to submitting checks for payment...they are not wrong.

Please read my initial post again. All I ever asked for is to be refunded the money that was taken out double. I did not protest the fees I was charged except for the fee caused by the double charge. I merely mentioned my other fees to illustrate I WAS "standing up" to take responsibility. Thank you for acknowledging I deserve a refund, it's more than most comments offer. You should also understand that my only way of getting a refund is to get on Guitar centers case, Certegy is on the other side of the nation hiding behind a phone system...I spent HOURS on hold there, read the other "Certegy" stories before you judge. And finally, how many consumers receive at least one bad check a week? These are retailers my friend, I don't care what the website says.

Boris, The lesson you should be learning from this is that writing a bad check is a serious matter. It also is a crime in most states. Businesses do not take kindly to having a check returned due to insufficient funds and may turn your hot check over to a collection agency in order to get some value out of the transaction it conducted with you. Why should a business not expect you to write a check for an amount you actually have in the bank? The business is under no obligation to try to run the check through twice or to hold it until you can come in with the cash OR to act as an intervener between you and the collection agency. And yes, If you look at the headings of the comments to you original post, you will see that they are from consumers. I can tell you that I have bounced checks in the past. Mistakes and accidents can happen, but I accepted that it was my fault and that I needed to pay the penalty for my mistake. Now stop blaming everyone else for what happened. This situation was of your own making, so stand up and take responsibility. You have a right to the return of the double charge, but that is an issue you have with Certegy NOT Guitar Center.

In this age of check cards I can't think of any reason why anyone would write a check other than what you call floating. My lessson learned: In stead of being straightforward by putting up a "sorry, no checks" sign, risking loss of sales, retailers (for understandable reasons) now choose to immediately sell the checks they receive to a shady industry, taking a loss on them to avoid risk. The customer AND the retailer lose out, and the shady companies profit. I bet you 80% of Certegy's emloyees have bad check writing history LOL. Are there by the way any actual consumers on this website? not that I don't appreciate the input from the retailers... ps: you bet I want special treatment!

The comments above are correct. It is YOUR responsibility to write a check that is backed up by funds in your bank account. Trying to "float" a check is risky - and in today's computer age with checks clearing so quickly, is almost impossible. Your check is a business instrument that may be sold and passed on to another business. This is what often happens to mortgages and car loans as well. Guitar Center sold your check for probably less than its face value. You will have to deal with whatever busines owns your check. Guitar Center no longer is responsible for what happens to it or you. You have a good claim against Certegy for the double withdrawl, but that is it. The penalties charged against you are justified. Oh, and the "I spend thousands of dollars at this store" line really falls on deaf ears and turns off employees when a consumer tries to use it to get special treatment.

If you had done that where I live, you could have been charged as a felon for check-kiting. Most businesses these days immediately turn rubber checks over to collectors because there are better ways to deal with deadbeats than wasting time doing it themselves. I know you're not a deadbeat but you sure did what deadbeats do, lol. Myself, I stopped all bad checks years ago by requiring the writer to place their thumbprint on the back of the check. Before I started doing that I used to get about one bad check a week. After that, the usual suspects suddenly remembered they were carrying cash.

thank you for that, I haven't laughed this hard in a while.

thank you for that, I haven't laughed this hard in a while.

thank you for that, I haven't laughed this hard in a while.

thank you for that, I haven't laughed this hard in a while.

Boris, of course you need to "shop elsewhere" from now on, as Guitar Center will most likely not honor any future payment methods from you. So, it is only logical that you need to "shop elsewhere" and rip off someone else next time. Something tells me that your decision to "shop elsewhere" and to encourage your "friends" to do so does not in any way bother Guitar Center. In fact, they are probably rejoicing that you will not be back.

The irony is that I would have probably spend the money I lost at guitar center...making this vindictive traumatized merchant stuff pretty self-defeating. They jumped the gun... I have spent THOUSANDS of dollars in that store over the years...no more, and I'll spread the word. Cheers

But you may want to keep in mind that checks pretty much clear within hours now. There's no more float. Good luck in the future

I understand where you're coming from. But as you may have noticed there has been a change in how fast checks get processed. I wrote a check on sunday that bounced tuesday. I showed up in person with cash, but was not allowed to redeem the check. I would hardly call my attitude cavalier.Now I have financial damages of $80.00 in fees and am still missing $180.00 in my checking account. If I understand correctly you think that is right? And these are not thugs but people trying to prevent deadbeats from cheating honest merchants out of their $$ I think you have it wrong.. Like hiring a hitman when someone's dog shits on your lawn. Guitar center hired the hitman, and is therefore responsible, as I already paid my dues and then some.

Next time don't be so cavalier about bouncing checks. This is what happens. Now you're swimming with the sharks. I think you have it wrong. You Boris, ripped off Guitar Center. And they used the means necessary to collect their money. B-O-O H-O-O

Next time don't be so cavalier about bouncing checks. This is what happens. Now you're swimming with the sharks. I think you have it wrong. You Boris, ripped off Guitar Center. And they used the means necessary to collect their money. B-O-O H-O-O