Check declined by Global Payments Check Services?

Who Global Payments Check Services is and who relies on its reports

Global Payments Check Services LLC is a check screening company. The CFPB’s list of consumer reporting companies places it in the “check and bank account screening” category and says it provides check screening and verification services for various consumer-facing industries. The CFPB listing links to a FACT Act page on globalpayments.com and gives a FACT Act Support mailing address in Niles, Illinois. The listing does not name a parent company, and we have not relied on any other source for the company’s ownership.

Check screening works the same way across the industry. When you write a check or pay from your bank account, the business sends the transaction to a screening company, which recommends whether to accept it based on the information in its files. The FTC has explained, in a case against another check authorization company, that these recommendations to merchants are consumer reports under the FCRA. The CFPB notes that retailers may use reports based on your checking history to decide whether to accept your checks. So a wrong record can get your payment refused in front of a cashier, even if your bank account is in good standing.

Errors that show up on check screening files

The CFPB says checking history reports can include unpaid negative balances, suspected fraud, a history of bad checks, and problems with joint accounts. Each of those can go wrong:

• Wrong-person records. Returned checks belonging to someone with a similar name, ID number or bank account number.
• Identity theft. Checks written with your stolen checks, account number or driver’s license.
• Paid items still reported. A returned check you made good on still shown as unpaid.
• Shared-account problems. A joint holder’s or prior account owner’s history attached to you.
• Unexplained declines. A refusal you cannot match to any entry in your file.
• Disputes passed back to the merchant. Being told to work it out with the store instead of having the screening company investigate.

How to dispute Global Payments Check Services

1. Keep the decline. A merchant that refuses your check based on a screening company’s information must tell you so, name the company, and explain your right to a free copy of your file.
2. Request your file. Call 800-638-4600, extension 410, or write to Global Payments Check Services LLC, Attn: FACT ACT Support, P.O. Box 480357, Niles, IL 60714-0357. Both are on the company’s CFPB listing, which also links to its FACT Act page on globalpayments.com. The CFPB says the company provides one free report every 12 months on request. Requesting your own report does not hurt your credit scores.
3. Dispute each error in writing. Write to the company at the address on its CFPB listing, or ask by phone where it wants disputes sent. Identify each transaction, merchant, date and amount, and explain why it is wrong.
4. Attach proof. Copies (not originals) of bank statements, proof you paid a returned check, an FTC identity theft report, or proof the account was never yours. The CFPB recommends marking the errors on a copy of your report.
5. Dispute with the merchant or bank too. The CFPB advises disputing with both the reporting company and the company that supplied the information.
6. Keep copies of everything, and use certified mail or another method with proof of delivery.

How to contact Global Payments Check Services

• FACT Act page: globalpayments.com/about-us/contact-us/facta (as linked on the CFPB listing)
• Phone: 800-638-4600, extension 410
• Mailing address for file requests: Global Payments Check Services LLC, Attn: FACT ACT Support, P.O. Box 480357, Niles, IL 60714-0357

Your rights under the FCRA

• Accuracy (15 U.S.C. § 1681e(b)). A consumer reporting agency must follow reasonable procedures to assure maximum possible accuracy of the information it reports.
• Reinvestigation (§ 1681i). The agency must reasonably reinvestigate your dispute, free of charge, generally within 30 days, notify the company that supplied the data, and correct or delete inaccurate, incomplete or unverifiable information.
• File disclosure (§ 1681g). You may see all the information in your file and where it came from.
• Free annual disclosure (§ 1681j). Nationwide specialty consumer reporting agencies, including those that report check-writing history, must provide a free disclosure once every 12 months on request, and you are entitled to a free copy within 60 days after an adverse action.
• Identity theft blocks (§ 1681c-2). With an identity theft report, fraudulent information generally must be blocked.
• Reporting time limits (§ 1681c). The CFPB notes that the FCRA bars most negative information older than seven years.
• Adverse action notice (§ 1681m). A business that refuses your check based on a consumer report must tell you and explain your rights.

Can you sue Global Payments Check Services?

Yes, if the company reported inaccurate information because it did not follow reasonable procedures, or if it failed to reasonably reinvestigate after you disputed. Examples include a file that kept another person’s returned checks after you proved they were not yours, or a fraud entry that stayed after you sent an identity theft report.

What you may recover. For a negligent violation, you may recover your actual damages, such as fees, lost purchases or services, embarrassment and emotional distress, plus attorney’s fees and costs (15 U.S.C. § 1681o). For a willful violation, you may recover actual damages or statutory damages of $100 to $1,000, punitive damages, and fees and costs (§ 1681n).

The deadline. An FCRA lawsuit generally must be filed within two years after you discover the violation and no later than five years after it occurred (§ 1681p).

Whether you have a case depends on what the file said, what you sent in your dispute, and how the error affected you. Keep the decline, your file, your dispute and every response.

Get a free case review

If Global Payments Check Services keeps declining your checks over records that are wrong, do not wait. FCRA Attorneys has offices in Dallas, Houston, Chicago, Los Angeles and Atlanta, and files FCRA cases in federal court nationwide, directly or with local counsel. We work on contingency, so there is no fee unless we win. Contact us for a free case review, or see our FCRA practice, our TeleCheck, Certegy and ChexSystems pages, and the other companies we cover.

Questions about suing Global Payments Check Services

Can I sue Global Payments Check Services?

Yes, if the facts support a claim. The CFPB lists Global Payments Check Services LLC as a consumer reporting company that provides check screening and verification. A consumer reporting agency must use reasonable procedures to keep its reports accurate and must reasonably reinvestigate disputes. If it does not, you may have a claim under the FCRA.

How do I get my Global Payments Check Services file?

The CFPB lists the company's phone as 800-638-4600, extension 410, and its mailing address as Global Payments Check Services LLC, Attn: FACT ACT Support, P.O. Box 480357, Niles, IL 60714-0357. The CFPB says it provides one free report every 12 months on request.

Why would a store decline my check based on this company's report?

The CFPB explains that retailers may use reports based on your checking history to decide whether to accept your checks. If a merchant declines your check because of a report, it must tell you which company supplied the information and how to get a free copy.

What does it cost to bring a case?

There is no fee unless we win. FCRA Attorneys handles these cases on contingency, and the FCRA lets a successful consumer recover reasonable attorney's fees and costs from the company.

Related reading

• How to Dispute Credit Report Errors With Equifax, Experian and TransUnion
• An Account on My Credit Report Is Not Mine: What Now?
• How to Write a Credit Report Dispute Letter That Gets Investigated

Sources

• CFPB consumer reporting companies list: Global Payments Check Services LLC (check screening and verification; phone ext. 410; FACT Act Support mailing address in Niles, IL; free annual report)
• CFPB: Why was I denied a checking account? (what checking history reports contain; retailers use similar reports for checks; time limits; dispute rights)
• CFPB: How do I dispute an error on my credit report? (dispute with the reporting company and the furnisher; what to include)
• FTC Business Blog: FTC challenges TeleCheck's checkered compliance with the Fair Credit Reporting Act (check authorization recommendations are consumer reports; merchant decline notices)

Updated November 2026. This page is general information, not legal advice.