On Nov. 17, I went to make some purchases for my small business at the Office Max located at Culebra Rd. And N.W. Loop 1604 in San Antonio, Texas. The machine would not accept my check number 1012 for the amount of $117.85 from Randoph Brooks Federal Credit Union. I called the Credit Union and they said they did not decline my check and that I had enough money to cover the check in my account. Then I asked the manager to try my debit card from the same Credit Union account. The transaction went through with the debit card but not with the check. I don't know if a different company approves debit cards than checks. Then the Credit Union tells me to get the phone number (1-800-237-4851) for Certegy and talk to them. The clerk gives me the phone number. Certegy also prints out an explanation of sorts for not authorizing my check. They said that is could be code 1, negative information on file usually prior unpaid checks, code 2, not sufficient information available to approve the transaction or the transaction exceeda a pre-established limit or Code 3, the format of the identification presented did not conform to government established guidelines for a valid ID. I called the company went through all the numbers and was never allowed to talk to a real human being. They asked if I wanted a written reason for not accepting my check. When I gave them my zipcode, they said it didn't exist and they hung up on me. I don't think they will be sending that written explanation because they didn't get my complete address, just the zip code. Now I am trying to write to them. This is ridiculous and embarrasing especially for a small business person. I am going to file a complaint with the banking regulators if I can since they belong to Fidelity Bank. There address to complain directly to them is Certegy Check Services, P.O. Box 30046, Tampa Fl 33630-3046.
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