• Report: #158322

Complaint Review: CPRS

  • Submitted: Mon, September 26, 2005
  • Updated: Mon, September 26, 2005

  • Reported By:Auburn California
11601 Roosevelt Boulevard St. Petersburg, Florida U.S.A.

Certegy Payment Recovery Services, Inc. ripped off, fraudulant check typed out by CPRS and cashed by my bank St. Petersburg Florida

*Consumer Comment: Paula, check the TJ Maxx Check Policy

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Certegy Payment Recovery Services is a joke and a rip off!

I had written a check to TJ Maxx and the check didn't clear. I had no problem making it good with TJ Maxx but then one day while checking my account on-line I noticed that the check was re-deposited and had cleared.

I then received a bill from CPRS requesting I pay the full amount of the check that I had written to TJ Maxx, as well as their $25.00 fee for re-depositing the check or if the check had cleared on the re-deposit to pay just their fee of $25.00.

I had no problem with paying them the $25.00 fee but that was before I went on-line to check my account about a week later.

They had typed out a check and used my account numbers, etc. off the check I had written to TJ Maxx and on the signature line were the words "Pre-Authorized Debit."

I never was contacted by CPRS to "Pre-Authorize ANY Debit." I don't know about anyone else, but I live paycheck to paycheck and I had balanced my checkbook and had only enough money in my account to cover the checks, etc. I had out at the time leaving only about $2.50 to spare!

There $25.00 fradulant check caused me approx. $120.00 in bad check fees and I am pissed!

I called my bank and was told that the charges would be reversed pending an investigation but nothing has been done as of yet.

I have tried on numerous occasions to contact CPRS but have waited on hold up to 42 minutes before I lost my patience and finally hung up.

I can not believe that this can happen. Something definitly needs to be done about this kind of crap.

Auburn, California

This report was posted on Ripoff Report on 09/26/2005 03:53 AM and is a permanent record located here: http://www.ripoffreport.com/r/CPRS/St-Petersburg-Florida-33716/Certegy-Payment-Recovery-Services-Inc-ripped-off-fraudulant-check-typed-out-by-CPRS-and-158322. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

Paula, check the TJ Maxx Check Policy

AUTHOR: Lori - (U.S.A.)

TJ Maxx may have written into their check policy that in the case of a check being returned for insufficient funds you authorize them to 1)electronically redeposit the check and 2)you agree to pay the overdraft fee that they charged by electronic (ACH) debit. I know that there are several businesses in our area that have this policy in place as it makes it easier to collect the fees for bounced checks. In our area, they stamp the back of your check and ask you to initial it, which is where you will find it written. In other areas, there will be a small sign next to the cash register that tells you what their policies are. If this policy isn't in effect at the store, then you can file a complaint against the company for an unauthorized withdrawal to get your money back.

In this day and age, these types of policies are becoming more and more common. Most credit unions and banks are now offering overdraft protection on checking accounts to help protect you from huge overdraft fees caused by bounced checks (you still pay your banks fee, but you aren't stuck with 3rd party fees such as the one you're talking about). This protection costs you nothing as long as you don't bounce a check, and should something occur that you do, at least you only have one fee to pay instead of 2.

Good Luck.
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