I too was a victim of Certegy checking. I went to target to buy clothes for our trip and I was declined and they wouldnot take my check because of Certegy. I was totally humiliated and embarrassed I sat for over an hour waiting to talk to someone at Certegy and when they finally checked my history and realized that there was nothing wrong with me and my accounts they just apologized. She talked to a manager at Target and I was able to get my products, but that doesn't help with the embarassement that I had incurred. I am filing a complaint with the BBB office and the Attorney Generals Office. Also, with Target that maybe they need to find a better way to check people because this FIRM is NOT a correct way to go.