My check was refused at a clothing store at the local mall last week.
The clerk entered my check as usual and recieved notice that there was a “prior authorization” notice returned which meant she had to call a number and speak loudly and clearly into the telephone so that the robot on the other end could hear (as well as any nearby shoppers). At the end of the call she informed me that my check was declined.
My account balance was well over the amount of the check I wrote, with no outstanding or unpaid checks so I wondered what the problem was. It took the girl some time to locate the number of the company responsible for the decline so I asked her if this was unusual. She indicated it was not at all unusual for checks to be declined and tried to put me off by suggesting I call my bank. I told her I was quite sure that my bank had nothing to gain by preventing me from accessing my money and insisted that she find the number of the check approval company for me.
When I got the 800 number I dialed and found myself broadcasting my information to the deaf automatron on the other end of the phone who finally informed my that although my account was in good standing my check had been declined due to my check writing pattern which unfortunately, in some machine’s estimation, fit an unusual or suspicious pattern. I was also informed that this was for my protection and the protection of the merchant.
Strangely, I did not feel more secure knowing that some company has taken it upon themselves to turn a buck by mining my check writing habits and then using some sort of unknown algorithm to sever my ability to access my own money.
Since it was apparent that no human was available for me to take my case to, I uttered some very foul language to the stupid robot voice which replied “I’m sorry. I didn’t get that….”
The next day I wrote 3 checks at various locations with no trouble but when I returned to the store (these were my 15 year old daughter’s must have item, you understand. I would have never went back were it a choice) Expected whatever had been the trouble the day before to have been cleared. Nope. Certegy declined my check again!
I did speak with my bank today and was told that they have no connection to these check approval companies and that they gather information from a variety of sources and make a determination as to the risk level of the shopper with this information.
Something is very wrong here. How does this company have any right to interfere with access to my account? I know what the suspicious pattern is; I usually use cash whenever possible but during Christmas shopping my husband and I did write a few.
This is the trouble when datamining techniques designed for the arguably benign purpose of marketing is applied to situations that will inevitably cause damage to innocent people. While my check writing habits may be abnormal compared to the habits of the entire nation or even state, they are absolutely normal for ME! Why should I be penalized for being an individual? These same techniques are also being used in law enforcement as method to predict the likelihood that any one of us is veering toward criminal behavior.
Just as I was singled out because of non-conformist check writing habits, we are being given special attention by law enforcement for our behavioral variances. Being denied the ability to write a check for no real reason is aggravating but being veiwed as a possible threat or terrorist by people with guns is terrifying!
http://axiomamuse.wordpress.com/2010/01/03/fusion-centers-and-data-collection/
I am not sure what I can do about this but when running a search on “Certegy” one of the first results was a complaints page. I discovered that what I experienced was in no way unique.
The store that I had the trouble with was the Buckle in Sooner Fashion Mall in Norman. I imagine they must have a choice in which company handles the check verifications. If so, they might want to reconsider using Certegy. I will never step a foot back into that store.
Have a look;
http://www.consumeraffairs.com/finance/certegy.html