Check declined at retailer. Turned out they were working from an erroneous report by a database service (Early Warning Services). They refused to change anything and referred me to the database service. Database service indicated that they will continue these reports for 90 days, despite appeal. Wonderful business plan: aggregate junk data and ignore complaints. I've informed the retailer (ToysRUs) that they are losing busines (in this economy!) due to their use of junk risk management techniques. read full review »