ComplaintsforTeleCheck Services, LLC

Payment Processing Services

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Initial Complaint
06/04/2024
Complaint Type:
Customer Service Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I wrote a check at ******* for ****** and the cashier rang the check in for ******. I called ******* and commerce about this issue. They put the physical check through, they tried to put the same check through for ****** and it was declined. Telecheck has locked my account and I need to pay medical bills via ach and now I cannot and my credit will be ruined. Telecheck says it take 30 days to remove the block. They refuse to help and ******* even spoke with them and stated that the check was ran twice which is illegal.
Business response
06/12/2024
IMPORTANT NOTICE: REFER TO TRACKING NUMBER ****** IN ALL FUTURE CORRESPONDENCE June 12, 2024 *************************** ********************************************************* RE: BBB Complaint No. ******** / ********************************************************************************************* has received your BBB complaint regarding your ability to receive check approvals. We would like to apologize for any inconvenience or frustration this issue has caused. As detailed below, we believe this matter is now resolved as the block has been removed. As stated in your complaint, our records show that you wrote a check to ******* on April 12, 2024. ******* experienced an issue about processing the check for the correct amount. Our records show that this check was returned to TeleCheck on May 11, 2024 by the bank as a stopped payment. When TeleCheck receives a stopped payment, a block is placed on the bank account to prevent future checks from processing electronically until the stop payment has been resolved. TeleChecks system reflects that the stopped payment was paid in full on May 30, 2024. When you contacted our call center starting on June 3, 2024, the agents stated that they could not remove the *** block and would open a request to the correct department to have it removed. That request was received by the correct group on June 4, 2024 and the *** block was cleared. The bank account information provided in your complaint currently shows no negative information or blocks to your check processing. We also note that no checks have been attempted from your checking account since the *** block was cleared. Finally, please note that TeleCheck does not provide information to any of the three major credit reporting agencies (Experian, Equifax, TransUnion). TeleCheck would not have any information regarding credit cards, only banking accounts involving check processing. We believe this resolves your issue, but if you have any additional questions or concerns, please call me directly at *************** or by email at ************************** You may also contact our ******************** at ************** MondayFriday 8:00 a.m. to 5:00 p.m. ET. This would be the best time to reach a supervisor if additional assistance is necessary. PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK. Sincerely, ************************* Consumer Resolution Services
Initial Complaint
05/31/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I filed for bankruptcy 2/12/** and Telecheck is listed as a creditor. I continue to get harassed by their 3rd party collection agency about the payment that was filed in bankruptcy. I go to website of TRS Recovery Services and the debt is still listed. But when I call they continue to tell me that my account was turned over to Transworld. But when I call Transworld they tell me TRS Recovery has the account. I even filled out Telecheck online form about 2 months ago like the automatic system of Telecheck tells consumers to do, but still the debt is still listed. I even got a report from Telecheck and the debt is still listed. Ive tried to call Telecheck directly and its no luck because the automatic system Wants you to go to the website which isnt solving my problem. Then in the prompt I tried pressing zero and gets a busy signal. Bankruptcy was filed 2/12/** Case# **-20200
Business response
06/06/2024
IMPORTANT NOTICE:
REFER TO TRACKING NUMBER
578782
IN ALL FUTURE CORRESPONDENCE

June 6, 2024
*****************************;
*********************;
***********************;
RE: BBB Complaint No. ******** / *****************************;

Dear **************,
TeleCheck has received your BBB complaint regarding debts stated listed as active after you have filed for bankruptcy.
TeleChecks records show three debt items that all reflect a bankruptcy (modified) status as of April 15, 2024. Below is a
summary of the items in our database:
Consumer
Name
Acct#
(Last 4)
ID#
(Last 4)
SS#
(Last 4)
Check
#
Original Creditor Check Date $ *** Current
Status
***************************** ***9297 ***2968 ***2547 ***** Hard Rock Casino
****************
November
17, 2021
$ ****** Modified
***************************** ***9297 ***2968 ***2547 ***** Hard Rock Casino
****************
November
14, 2021
$ ****** Modified
***************************** ***9297 ***2968 ***2547 ***** Hard Rock Casino
****************
November
14, 2021
$ ****** Modified
We have also reached out to our affiliate, TRS ********************* to verify that these debts reflect as bankruptcy status and
confirm with any third-party collectors to no longer send letters or communications for these items.
We believe this resolves your issue, but if you have any additional questions or concerns, please call me directly at (240) 849-
5021 or by email at ************************** You may also contact our ******************** at ************** MondayFriday 8:00 a.m. to 5:00 p.m. ET. This would be the best time to reach a supervisor if additional assistance is necessary.
PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER
ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK.
Sincerely,
*************************;
Consumer Resolution Services
Customer response
06/06/2024
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Regards,

*****************************
Initial Complaint
05/29/2024
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I wrote a check to a home improvement company to get some work done and the representative sent me a screenshot saying the check validation failed. When I called TeleCheck I was told I had a bank account with a different account number, not the one I provided that was also on my checks. I was advised to call my bank to find out my own account number. I was holding my checkbook in my hand and logged into my banking app and confirmed I was correct. All their call center rep could say was "sorry I cannot give you any information." Obviously she is wrong, I only have the one account with this bank. But I can't move forward with this project because for some reason TeleCheck believes I have a different account number.
Business response
06/06/2024
June 6, 2024
*************************
7640 S Power Rd Apt 2028
Gilbert, AZ *****
RE: BBB Complaint No. ******** / *************************
Dear ****************,
TeleCheck has received your BBB complaint regarding a check decline that you received. We would like to apologize for any
inconvenience or frustration this decline or your experience with our *********** has caused.
Thank you for providing the additional information in your voicemail that allowed TeleCheck to find the decline referenced in
your complaint. The original decline appears to have been received due to the check numbers being keyed incorrectly into the
merchants point of sale device. Also as stated on your message, TeleCheck shows that your check was later approved by
Home Depot.
We believe this resolves your issue, but if you have any additional questions or concerns, please call or email me directly as
noted above. You may also contact our Consumer *********** at ************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET.
This would be the best time to reach a supervisor if additional assistance is necessary.

PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER
ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK.
Sincerely,
*************************
Consumer Resolution Services
Initial Complaint
05/28/2024
Complaint Type:
Customer Service Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I have been having trouble with telecheck several times. This should not be the case. Today my check was declined at ******* pharmacy for my needed medicine. The check was for over 500 dollars for the medicine. I call telecheck after the decline to see what was wrong. The customer service rep ***** help me. I asked to speak to a supervisor. ******, the supervisor refused to allow my check to clear. She stated reason for the decline as I usually dont write checks for over 100 dollars. This was the same reason I was given recently for a decline. I should be allowed to write checks and they should be honored. Telecheck should stop this injusticed business practice. I was told by the supervisor ****** that I would have to wait 24 hours. Why is this the case. I told her that they should change their algorithms. They should not determine when and how much you can write a check for. This embarrassment and injustice should be stopped. I have talked with telecheck several times recently concerning declined checks.I really needed my medicine. Please have someone investigate telecheck and do something about this injustice and embarrassment. How would the people that work for telecheck felt if this happened to them over and over again. You have the funds in your account and ******************** has too much power in determining when and how you can spend your own money. This is discrimination and is so wrong on many levels.Thank you for helping me resolve this.
Business response
06/05/2024
June 5, 2024
*************************
2304 ************************************
RE: BBB Complaint No. ******** / *************************
Dear ****************,
TeleCheck has received your BBB complaint regarding a check decline at ******** We sincerely apologize for any trouble
you have encountered with this decline. Please note that I did call you at the number provided in the complaint ((262) 446-
6582) but the number belonged to a business. I then called the number provided in your other open case (**************) to
discuss this matter and left a voicemail message. If you would like to discuss this with me directly, please call **************
or reach me directly by email at **************************
While we understand your frustration, we need a little more information to help us locate the decline so we can help resolve
your concerns. Typically, we utilize a specific decline number you should have received at the point of sale on the transaction
record (receipt) that was provided to you. If you do not have that information, any or all of the below additional information
should allow us to locate and address the transaction at issue:
A copy of your drivers license or other state-issued identification used in connection with the denied transaction; or
A copy of a voided check from the account in question or the full bank account and routing numbers.
Please note all information you provide us is legally protected from unauthorized disclosure.
If you have any additional questions or concerns, please call or email me directly as noted above. You may also contact our
Consumer *********** at ************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET. This would be the best time to reach a
supervisor if additional assistance is necessary.

PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER
ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK.
Sincerely,
*************************
Consumer Resolution Servic
Initial Complaint
05/17/2024
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
On 5/17/24 I wrote a check for car repair at a ***** dealership. My check was declined by Telechec due to "insufficient history" as it has been the last three times I tried to pay by check through them. I called the number, gave pertinent information and the refusal code and got scripted answers from the rep on the phone. He suggested I start writing checks around the area to build up my history. I write checks about once a week so I'm not sure what this would accomplish unless he was suggesting I write checks at places that use Telechec? He said he was updating my file but it would not do anything the next time. I asked to speak to a supervisor so they could check my more than adequate fund availability but they were busy and could not talk. I had to pay by credit card as I needed my car to get home.
Business response
05/28/2024
IMPORTANT NOTICE: REFER TO TRACKING NUMBER ****** IN ALL FUTURE CORRESPONDENCE
May 24, 2024 ********************* ***********
RE: BBB Complaint No. ******* / *********************
Dear **************, TeleCheck has received your BBB complaint regarding a check decline at a car dealership. We sincerely apologize for any trouble you have encountered with this decline. Please note that I did call you at the number provided in the complaint (**************) to discuss this matter and left a voicemail message. If you would like to discuss this with me directly, please call ************** or reach me directly by email at ************************** While we understand your frustration, we need a little more information to help us locate the decline so we can help resolve your concerns. Typically, we utilize a specific decline number you should have received at the point of sale on the transaction record (receipt) that was provided to you. If you do not have that information, any or all of the below additional information should allow us to locate and address the transaction at issue: A copy of your drivers license or other state-issued identification used in connection with the denied transaction; or A copy of a voided check from the account in question or the full bank account and routing numbers. Please note all information you provide us is legally protected from unauthorized disclosure. If you have any additional questions or concerns, please call or email me directly as noted above. You may also contact our ******************** at ************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET. This would be the best time to reach a supervisor if additional assistance is necessary. PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK.
Sincerely, ************************* Consumer Resolution Services
Initial Complaint
04/27/2024
Complaint Type:
Sales and Advertising Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I make purchases at ******** Tractor Supply and ******** monthly. So I try to buy my monthly items needed all at once to prevent me having to travel to ********* or ****** more often since I live thirty minutes away. I lost my debit card in my family room so while I am waiting for a replacement I have been writing checks. I went to tractor supply and am checking out when my check was denied via Telechek. I had to jump through many hoops and the management helped tremendously because I needed these items for my animals food etc. In the process of helping me, my tractor supply purchase was charged twice on the same check causing an overdraft charge from my bank. I did not realize this until two days later when my checks went through. I had a Code three come up on Telechek. I then went to ******* in ****** and had the same thing happen there where my check was denied and went through the whole process again. I contacted ******** to see why they denied my checks when I just got paid and they had no idea how much money was in my account to verify that I was who I said I was. To verify who I was they had to call my home phone which is in ********* and obviously I am not at home to answer my home phone, I AM THIRTY MINUTES AWAY FROM HOME!! Then they also wanted to verify my bank account with ************ whom I have had an account for 32 years. The bank was closed by the time I am at *******. Telechek caused me hours of anguish and frustration because I could not walk out of the store with over half of my purchases. Telechek authorized my second check the next day. So not only was it ridiculous for me to not have my check go through but now I have to get their approval before I can make a purchase at ******* or tractor supply without prior authorization from Telechek for my check written to purchase. This is absolutely unfair to me and now I cant change this Telechek scrutiny on any check I write to anyone who uses Telechek.
Business response
05/03/2024
IMPORTANT NOTICE:
REFER TO TRACKING NUMBER
574576
IN ALL FUTURE CORRESPONDENCE

May 3, 2024

*************************;
1521 Falcon
*********, ** 67063

RE: BBB Complaint No. ******** / *************************;

Dear **************,

TeleCheck has received your BBB complaint regarding check declines. We sincerely apologize for any trouble you have encountered with these declines. Please note that I did call you at the number provided in the complaint (**************) to discuss this matter and left a voicemail message. If you would like to discuss this with me directly, please call ************** or reach me directly by email at ********************************.

While we understand your frustration, we need a little more information to help us locate the decline so we can help resolve your concerns. Typically, we utilize a specific decline number you should have received at the point of sale on the transaction record (receipt) that was provided to you. If you do not have that information, any or all of the below additional information should allow us to locate and address the transaction at issue:

A copy of your drivers license or other state-issued identification used in connection with the denied transaction; or
A copy of a voided check from the account in question or the full bank account and routing numbers.

Please note all information you provide us is legally protected from unauthorized disclosure.

If you have any additional questions or concerns, please call or email me directly as noted above. You may also contact our ******************** at ************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET. This would be the best time to reach a supervisor if additional assistance is necessary.

PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK.

Sincerely,

*************************;
Consumer Resolution Services
Initial Complaint
04/25/2024
Complaint Type:
Product Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Recently, 99% of my transactions on Amazon have been declined using my personal checking account as a method of payment. I've used this method for years now. Well, I can't seem to get answers as to why this is happening. An email from Amazon says it was TeleCheck. I call, and they say everything looks good with no declines. I call my bank, and they say all is good with no alerts or flags on my account. I call Amazon, they say it's either the bank or TeleCheck. When I put in the information into TeleCheck, it says the check was approved. When I try to look up the code online, it says "Thank You," and that's it. I'm at my breaking point. Oh, and my check was approved to buy Fabric Softener on Amazon, but everything else is declined. What's going on? I'm about to remove my money to another account.
Business response
05/03/2024
IMPORTANT NOTICE:
REFER TO TRACKING NUMBER
574178
IN ALL FUTURE CORRESPONDENCE

May 2, 2024

****************************;
102 Pima Dr
******, ** 76255

RE: BBB Complaint No. ******** / ****************************;

Dear ************,

TeleCheck has received your BBB complaint regarding a check decline at Amazon. We sincerely apologize for any trouble you have encountered with this decline. Please note that I did call you at the number provided in the complaint (***************) to discuss this matter and left a voicemail message. If you would like to discuss this with me directly, please call ************** or reach me directly by email at ********************************.

While we understand your frustration, we need a little more information to help us locate the decline so we can help resolve your concerns. Typically, we utilize a specific decline number you should have received at the point of sale on the transaction record (receipt) that was provided to you. If you do not have that information, any or all of the below additional information should allow us to locate and address the transaction at issue:

A copy of your drivers license or other state-issued identification used in connection with the denied transaction; or
A copy of a voided check from the account in question or the full bank account and routing numbers.

Please note all information you provide us is legally protected from unauthorized disclosure.

If you have any additional questions or concerns, please call or email me directly as noted above. You may also contact our ******************** at ************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET. This would be the best time to reach a supervisor if additional assistance is necessary.

PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK.

Sincerely,

*************************;
Consumer Resolution Services
Initial Complaint
04/24/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Went to pay using an electronic check for Amazon and was declined! I honestly believe my account has been flagged but keep in mind used my debit card for the same account the check is written on and it was approved.. whatever telecheck has our account flagged for I want it removed!!!!
Business response
05/09/2024
IMPORTANT NOTICE:
REFER TO TRACKING NUMBER
574083
IN ALL FUTURE CORRESPONDENCE
May 9, 2024

**************************;
*********************************;
*************************;

RE: BBB Complaint No. ******** / **************************;
Dear ********************,

Thank you for speaking with me on April 29, 2024 regarding a check transaction to Amazon that Amazon stated was declined and for providing your checking account to research your consumer history. As discussed, TeleCheck does not show a record of your check decline under the bank numbers you provided. Thank you also for providing the email that Amazon sent you explaining that the check transaction was declined.
We reached out to Amazon to confirm the checking account used in the Amazon order provided in the decline email, and Amazon was unable to provide any additional information.
In researching your complaint, we did find two debt items in our database owed to Amazon on a different bank account linked to your identifiers. Both debt items are listed as stop payments. If Amazon still shows these items as outstanding, this could possibly be why that Amazon declined your check transaction but Amazon would need to confirm as we show no record of receiving the transaction you identified for evaluation or processing. Below is a summary of the items in our database:
Consumer
Name
Acct#
(Last 4)
ID#
(Last 4)
SS#
(Las
t 4)
Check # Original Creditor Check Date $ *** Current
Status
***************************** ***2909 ***2671 N/A ******** Amazon Marketplace
Payments
April 25,
2022
$ ***** Active
N/A ***2909 ***2673 N/A ******** Amazon Marketplace
Payments
August 28,
2023
$ ***** Active
If you would like to make a payment for these items, please call TRS ************************** at **************; in the
alternative your client can mail a cashiers check or money order to:
TRS Recovery Services, Inc.
PO BOX 9109
****************************;
Please include the reference number above on the payment to ensure posting accuracy.
If you have any additional questions or concerns, please call me directly at ************** or by email at ********************************. You may also contact our ******************** at ************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET. This would be the best time to reach a supervisor if additional assistance is necessary.
PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER
ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK.
Sincerely,
*************************
Consumer Resolution Services
Initial Complaint
04/11/2024
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
On April 11, 2024, my wife wrote a check to ********** for $78.43. The check was declined by the Telecheck system and was not accepted by **********. The account in question had a balance of over $40 thousand. (Verified by the Telecheck agent on the phone). It had never been overdrawn. My wife and I have not bounced a check in the last 50 years. We have had no fraud involved with this or any other account. Our credit scores are both in the high 800's.My wife wrote another check from an account at the same bank, and it was approved. I spoke to customer service on the phone and did not get any answers or resolution. They checked information and then approved the check that had been written and declined hours earlier. But I was told that they could not say if the next check written on the account would be approved. I am guessing that the check was declined because it is a new account with very little check activity history. For now, we are hesitant to write any checks on this account. This is a new account that was set up to manage income and expenses for our Hawaii Condo that we rent out part time. We need to be able to write checks to buy at merchants such as Lowes and **********. Hopefully this complaint will get more action than my phone call did. Infringing on my right to purchase with a personal check for no valid reason is not acceptable business practice. I am surprised that no one has taken legal action for such an arbitrary policy. I do not intend to do so but I would like this account cleared for future purchases.
Business response
04/24/2024
IMPORTANT NOTICE:
REFER TO TRACKING NUMBER
572518
IN ALL FUTURE CORRESPONDENCE
April 22, 2024
***********************;
1734 Embassy Cir
*********, CA 94550

RE: BBB Complaint No. ******** / ***********************;
Dear **********************,
TeleCheck has received your BBB complaint regarding your check decline at *********** We would like to apologize for any inconvenience or frustration this decline has caused.
For background, TeleCheck is a check acceptance and check processing company which works with merchants nationwide who wish to accept payment by check. For many merchants, TeleCheck also provides warranty services.
As part of its services, TeleCheck evaluates, and processes check payments at the point of sale for its merchant clients by evaluating transactions against its database. If TeleCheck accepts a check, it guarantees payment to the
merchant even if the check returns unpaid for some reason.1 TeleCheck will decline a check when there are negative items associated with a check writer in its database (a Code 4 decline) or when a statistical analysis of the check reflects an unacceptable risk that a check will not clear.2 In those instances, TeleCheck will issue a Code 3 decline. With the information you provided we located the transactions in question.
Thank you for providing the denial record which allowed us to locate the decline in question3 . TeleCheck issued a Code 3 decline because an analysis of the transaction based on various factors including previous transactions and
amount indicated a level of risk not meeting the threshold for transaction approval. However, we have made some modifications to your information in our system which we believe will reduce the likelihood of future Code 3 declines. Our records reflect no check transactions with TeleCheck merchants since we made those adjustments.
We believe this resolves the issues you have raised. However, if you have any additional questions or concerns, or if you experience any other declines, please call me directly at ************** or by email at
********************************. You may also contact our ******************** at ************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET. This would be the best time to reach a supervisor if additional assistance is necessary.
PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK.
Sincerely,
*************************
Consumer Resolution Services

1
While a merchant remains free to accept a check even if TeleCheck declines to accept it, TeleCheck will not
provide a warranty.

2
A Code 3 is not reported to third-party consumer reporting agencies and in no way reflects negatively on a
consumers credit status. TeleCheck does not have access to a check writers account and does not verify account
balances as part of the processing services it provides.
3
The decline was issued at ************** on April 11, 2024, for a transaction in the amount $78.43 (check
number 107), which was processed on a US Bank checking account ending in 5149.
Customer response
04/27/2024
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. I appreciate the fact that I received a call from ******************* and that TeleCheck took steps to help resolve further issues. This was a brand-new account, set up to manage funds from our Hawaii Condo Rental. It was very odd that a small amount check was rejected, but a much larger check was authorized after the original incident. I respect the rights of merchants to guard against check fraud. It is too bad that us honest folks have to occasionally pay the price.

Regards,

***************************
Initial Complaint
04/10/2024
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
In December of 2022, I had four checks that were stolen from a US Mail Drop near my home. Four envelopes with checks in them were stolen. The Thief washed the checks, took one of them into ******* in ******, bought $588.22 worth of merchandise and cashed the check. No photocopy was made of the check. I immediately contacted the bank, followed the banks guidance and filed reports with both the police and US Postal Services. I was contacted by TRS Recovery and dunned for the amount of money, $588.22. I disputed responsibility for the check, went through all of the documentation for TRS and got a letter from them saying that their finding was that it was a forgery. I thought that was the end of it until a year later when I got dunned from TransWorld. I called TransWorld and was told by the person that I talked to that the bill was for insufficient funds and that TeleCheck sent the referral to them for collection. I was told that I needed to give them documentation that it was a forgery. So I gave documentation to them yesterday. I am making a complaint because my trust level is way down. I called **************** at ****************** a representative whose name I wrote down and can provide if necessary. He was not helpful at all. I decided to go ahead and file this complaint. What I want is for someone to hear me and put in in writing that do not owe this money. I am a 76 year old woman on a fixed income and should I be responsible for paying for what a thief did?
Business response
04/19/2024
Dear ************,
*** Recovery Services, **** (***) has received your BBB complaint regarding the above-referenced item which you claim was the result of forgery, fraud, or identity theft. We apologize for difficulty you may have had in resolving this matter with us.
Thank you for providing a copy of the *** Forgery/Identity Theft Declaration. As a result of the information you provided, *** has closed this item in in its database and updated it to a forgery status. There is no payment due on the referenced account. We have also reported this information to our affiliate, TeleCheck Services, Inc. (TeleCheck), a specialty reporting agency, and it has updated this information in its system. If you would like additional information from TeleCheck or have questions, please call ************** or visit its website located at www. ***********************************************************
Finally, all information provided is legally protected from unauthorized disclosure. Again, if I can answer any other questions about this matter, please feel free to call me directly at ************** or contact our ******************** at ************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET. Thank you for assisting *** in maintaining the accuracy of its records.
Sincerely,
*****************************
Sr. Processing Specialist
*** Recovery Services, ****
Customer response
04/19/2024
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Regards,

*********************

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