I usually make purchases with my debit card on 99% of my transactions. For some reason on 04/28/09, I decided that I would write a check to pay for my new eyeglasses. My mistake. Lenscrafters uses Certegy for check verification. When the store employee ran my check through their system, my check was rejected by Certegy. I was mad as hell. For some reason, Certegy says that I had written bad checks out of state for purchases at Kmart and Circuit City. Merchants only accept checks drawn on local banks so why would I have written checks that are drawn on an out of state bank. I was given a Certegy card by the merchant and I promptly went home and started the fact-finding about this error. I was told that my name and driver's license were used on an account from Louisiana. I don't even use the bank that the Louisiana checks were drawn on. No other credit reporting bureau has this information on me so where did Certegy get their info? No bank has ever contacted me about fradulent checks nor has any subpeona/warrant been sent for me concerning bad checks. Fund recovery is usually the first thing that a bank will do in order to catch a thief. With all of the background checks and cross references that are in place within the banking industry, you would think that someone would have snapped and at least attempted to contact me to find out exactly what happened. I have filed a police report and have frozen my credit. I am also contacting Certegy almost daily to get as much information as possible about what is really going on. They are sending an affadavit for me to complete but after reading some of the other posts, I may not complete these forms. This company does sound rather shaky and suspicious to me as well. I will probably post again after I find out more.
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