I submitted a check in the amount of $89.00 to Lowes for building supplies November 28. The check was declined by Certegy. The cashier handed me a slip from her cash register with a page of gibberish about the decline under a code one about "prior unpaid checks" whatever that means. After several calls to the 866 number I got a live body on
The phone. I was informed it was nothing at Certegy but a third party company called Early Warning Services in Scottsdale, AZ sent them information about my account. I was very confused and angry this company takes information from "anybody" and automatically assumes it is valid.
I contacted this Early Warning Services and the first words from the answerer was for my account routing No. S and my account No. I told her this smacked of a phishing scheme to me and asked for an explaination. I was informed that banks contact them about checks that are returned to the banks unpaid. That sounded more like the bank was so damn lazy it could not return the check from where it was deposited or contact the writer. Anyway, the person further states the check information is on their computer for 93 days. Basically I was told, whaterver the circumstances, you're not good for writing a check in their eyes, no matter what the circumstance, right or wrong!
Big Brother is truely watching you. Pretty soon cash is not going to be accepted because you look "funny".
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