My husband and I both wrote checks to our local K-mart from 2 different checking accounts and both were declined by Certergy. We then used our debit card from one of the same accounts and because it did not go through Certergy was accepted. We contacted Certergy a number of times trying to get a reason our good checks were declined. All we got was a standard no explanation answer. We then asked for letters in writing as was stated on the printout on the back of our declined checks. After almost a month and several requests we have not received... read full review »