I made a big purchase at Lowes about a year ago and had * issues with said purchase. I...

I made a big purchase at Lowes about a year ago and had * issues with said purchase. I tried to make another larger purchase on ********** of $***.**. My check was declined and I received a paper with reason code * and tried to call the phone number and the rep who finally answered said she could not give me an explanation on why it was declined. She said I would have to wait ** days for them to generate a report and then another **-** days to send me the letter. I should NOT have to wait that amount of time for an answer, especially since this has never happened to me, EVER. I would like to know why it was declined and have a right to know under the Fair Credit Act. I would also like to know if all my future purchases with a check through any retailer using Certegy will get declined. Thank you.