I received a phone call by a representitive of Certegy Payment Recovery Services on a Friday morning. She told me that she was calling about a check that I had written that had been returned. I was confused because I have a bank account that has been in good standing for years and I knew that there wasn't a chance of a check that I had written had been returned.
I explained to her that it did not make any sense and asked her for more information about the check, whom it was written to and etc... She told me that it was a check that I had written to K Mart on October 11, 2007 in the amount of $36.53 and the check number. The reason it was returned was because my bank was "unable to locate the account."
I did recall writing the specific check and told her that I had never received word from my bank that there had been a problem, so I took down her contact information and told her that I would contact my bank and find out the specifics.
I did this promptly and my bank looked at thier records and found that there was an amount with that check number that was attempted to be collected electronically but that the account number was from a prior account that had been closed. My account number ends in a 330 and they tried to collect from an account ending in 300. My bank explained that it was either the original merchant (K Mart) or the Federal Reserve that had keyed in the wrong account number.
My Bank stated that they would have no problem sending this collection agency proof of the error and I gave them my consent to also fax a copy of my bank statement the day the check would have been put through my account to prove that the check would have cleared with no problems. Which they did that very same day.
I called Certegy back and let them know they should be expecting a fax shortly. I proceeded to give them permission to make a 1 time debit from my account in the original face amount of the check. ($36.53)
I waited over the weekend and called them back on the following Monday to find out if they had received the fax and taken my name off of thier collections list.
Well, they were completely rude and told me that they were absolutely NOT going to take my name off thier list because I had only paid the face amount of the check and that there was still a matter of the returned check fee's. I explained to them what had happened and they treated me like a liar and told me that I was absolutely not going to be able to write a check to any merchant without it being declined because I have a bad check out there.
They were telling me that it would take 10 days for them to receive the faxed proof of someone else's mistake and that there was a hold put on my driver's license, etc.
Almost a month later I still have no proof of anything. I have tried to contact them several times and have only gotten the "run around" from them and never even an apology for treating my like a common criminal.
In this day and age where all they have to do is press a few buttons and ruin someones credit in an instant, why does it take so long to clear a matter that was honestly not my fault? They are liars and too quick to make judgements and not willing to listen and clear matters up quickly. This could have all been taken care of within 48 hours I am sure, instead they choose to brow beat me with a mistake that someone else made and there is nothing I can do about it but sit and take it.
I am afraid to write a check to any merchant because I don't know if it will be declined and I don't want to go through the embarrassment of it. They are certainly quick to put your name in the accu-check system so that any other check you write will be declined... quick to put a hold on my license... quick to contact me and demand payment in full. But, when they are wrong and a mistake was made on thier side of the court... they fail to take quick action to get the matter cleared up as quickly as possible so an innocent consumer does not have to suffer the consequences of someone else's error.
I wish I could make them all suffer the same fate they decided for me.
I hope they see this posting and I hope they take it to heart and maybe put themselves in my shoes for a minute and get this matter cleared up ASAP.
Prairie Farm, Wisconsin