ComplaintsforTeleCheck Services, LLC

• Initial Complaint

  03/02/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Went to do my Taxes at H&R Block in ********. Went to pay my **** after having my taxes done. I wrote out a check to pay and it was declined. They tried 3 times, each time it was decline. I ended up paying with a credit card. They gave me the info to Telecheck. When I got home I called them, ************. I was told that they are a 3rd partying customer service firm for ********************. I asked why my check was denied and like other complaints was told it could be for several reason. I asked which reason was I declined for, it was a code 3. I was told it could have been for several reason from lack of writing not many checks to other reasons. They would not tell me why I was declined. There was plenty of money in my checking account. I called my bank, they said everything in my account was fine. I asked the customer service center for ******************** for the telephone number to Telecheck, they told me they didn't have a number they could give me. I have a case number *******. How is it possible that this company can simple decline a check for no real reason ? Has this world really become this bad that companies are now declining checks for any reason they feel like it, even though there was nothing wrong with my check and there was plenty of money in the account. When you bounce a check, the Bank charges you a service fee. When you don't pay a **** the company charges you a service fee. Why is it that when a company makes a mistake they don't pay YOU a service fee for the inconvenience ? They simple say SORRY for the inconvenience.They say it helps prevent fraud. Well they should look in the mirror. This company Telecheck is definitely a fraud. I want Telecheck to pay me $25.00 for the inconvenience that I had to got thru for no reason at all.

  Business response

  03/16/2022

  March 15, 2022
  
  ***********************
  8777 *************
  ****************, ** 80129
  
  RE: BBB Complaint No. ******** / ***********************
  
  Dear ******************,
  
  TeleCheck has received your BBB complaint regarding a check decline that you received at H&R Block. We would like to apologize for any inconvenience, embarrassment, or frustration these declines have caused as that is certainly not our intention.
  
  For background,TeleCheck is a check acceptance company and specialty credit reporting agency 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 and the transaction indicates a greater risk that a check will not clear than a merchant is willing to accept.[2] In those instances, TeleCheck will issue a Code 3decline.[3] 
  
  With the information in your complaint we were able to locate the transaction in question and the Trace ID associated with it  --- 1400310000035580662132[4] -- which was processed on an ********* checking account ending *******. TeleCheck issued a Code 3 decline for this transaction because the lack of check writing history associated with this checking account. However,as a result of the information provided in your complaint, TeleCheck has made some modifications to your information in our system to reduce the likelihood of future Code 3 declines. TeleChecks system does not indicate any check transactions since the declines at issue or our adjustments. Again, we apologize for any inconvenience you experienced as a result of this issue but are unable to award you any compensation for this matter.
   
  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
  
  
  [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 services it provides.
  
  [3] For further information about TeleCheck or if you would like to request your TeleCheck File Report please visit: https://getassistance.telecheck.com/how-telecheck-works.html, or call TeleChecks ******************** at ************** to request that a form be mailed to you.
  
  [4] The decline was issued at H&R Block on March 1, 2022, for a transaction in the amount $375.00 (check number ****).

• Initial Complaint

  02/24/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  They submitted echecks for services that were already paid for over $1000 that made my account be overdrawn and $172 in fres were assessed. I contacted the and submitted a dispute with no response.

  Business response

  03/09/2022

  March 9, 2022
  ***************************
  5612 ************,
  ****************, ** 48125
  RE: BBB Complaint# ********
  Original Creditor: DraftKings
  Current Creditor: TeleCheck Services, Inc.
  Reference Numbers: 44-220054428556, 44-220054428789, 44-220054428792, 44-220054428795,
  44-220054428797, & 44-220054428812
  Dear **********************,
  TRS Recovery Services, **** (TRS) has received your BBB complaint regarding the above-referenced items assigned to TRS
  for collection. Please allow me to apologize for any inconvenience or confusion you have experienced as a result of this issue.
  For background, TRS affiliate TeleCheck Services, Inc. (TeleCheck) is specialty reporting agency and warranty company
  that works with merchants nationwide like DraftKings who wish to accept payment by check or by electronic check
  transaction. If TeleCheck accepts a check it guarantees payment to the merchant even if the check returns unpaid for some
  reason. In those cases, TeleCheck will pay the merchant as part of its warranty of the check or transaction, acquire ownership
  of the item, and then assign the item to TRS for collection.
  This is what happened here when we were notified that your transactions with DraftKings returned unpaid. Specifically, our
  records indicate that we were ultimately assigned six items for collection. Each of these transactions returned unpaid by the
  bank because of insufficient funds in the account. ***** DraftKings notifying TeleCheck of the unpaid items, TeleCheck
  warranted these transactions by paying DraftKings, thereby acquiring ownership of these items, and then assigned them to TRS
  for collection. Our records also reflect that these debt items were tied to you by a social security number ending in ***6611
  and a ******************* checking account ending in ****9695.
  After receiving your complaint, TRS contacted DraftKings to investigate the six items listed above and it provided us a copy of
  the Credit Confirmation and Online PayWithMyBank Authorization as validation of these items. See attached. Please review
  the validations carefully. While we certainly appreciate you sending us the bank statement as proof that these items have been
  resolved, we need just a little further information to confirm these items were indeed not returned by the bank. Please provide a
  running bank statement for five days before the transactions processed and five days after the transactions returned from the
  bank, i.e. from December 27, 2021 through January 10, 2022, to allow us to confirm this has fully resolved. Upon our receipt
  of that bank statement, we can research your claim further and adjust our records if applicable. A summary of the active debt items in our system are listed below.
  Trans. # Check # Date Amount Original
  Creditor
  Current
  Creditor
  Rcvd by
  TRS Fee Total
  Due
  44-220054428556 ******** 1/1/2022 $250.00 Draftkings TeleCheck
  Services *** 1/5/2022 $25.00 $275.00
  44-220054428789 ******** 1/2/2022 $250.00 Draftkings TeleCheck
  Services *** 1/5/2022 $25.00 $275.00
  44-220054428792 ******** 1/2/2022 $250.00 Draftkings TeleCheck
  Services *** 1/5/2022 $25.00 $275.00
  44-220054428795 ******** 1/2/2022 $150.00 Draftkings TeleCheck
  Services *** 1/5/2022 $25.00 $175.00

  Trans. # Check # Date Amount Original
  Creditor
  Current
  Creditor
  Rcvd by
  TRS Fee Total
  Due
  44-220054428797 ******** 1/2/2022 $150.00 Draftkings TeleCheck
  Services *** 1/5/2022 $25.00 $175.00
  44-220054428812 ******** 1/2/2022 $100.00 Draftkings TeleCheck
  Services *** 1/5/2022 $25.00 $125.00
  Be assured that information you provide is legally protected from unauthorized disclosure. You may fax this information to
  **************. We also ask that you provide a phone number where you may be reached during business hours if we have
  questions. If you have any questions or would like to discuss this matter directly with me, please call ************** or our
  Consumer *********** at ************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET.
  If you would like to make a payment, you can call TRS ************************** at **************, or you can mail a
  cashiers check or money order to the following address:
  TRS Recovery Services, ****
  PO BOX 9109
  *************, ** 33075
  Please include the reference number on the payment to ensure posting accuracy. TRS will assume you agree with these
  findings including the validations unless you contact us to provide additional information for our review.
  If I can answer any further questions or concerns, please call me directly as noted above; you may also reach TRS Consumer
  *********** for any additional concerns at ************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET. Otherwise these items
  will remain active in our system and we will assume you no longer dispute them.
  PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER
  ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TRS.

   

  Sincerely,
  LaDrenda Black
  Senior Processing Specialist
  TRS Recovery Services, ****

• Initial Complaint

  02/23/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  My husband and I make regular online payments to our two ****** credit card accounts. On Feb 16, 2022 I made online payments on both accounts to pay off both balances -- $207.84 and $505.91. Our banking information has been attached to both online accounts for several years now & has never changed. I received confirmation #s as usual and went about my day. Then I started receiving calls from Kohls saying our accounts were overdue & when I checked both accounts online it showed that the payments hadn't been made. I called Kohls on Feb. 23, 2022 & spoke to a rep who explained that both payments had been declined by Telecheck, The rep said the notice read: Telecheck Response: NFTF Not Offered. Please correct and retry. I knew we had enough funds in our bank account to more than cover the payments, and the ****** rep confirmed the declines had nothing to do with insufficient funds. Instead, the rep said it had to do with wrong information being given. This made no sense being that we'd been making payments for years using the same information that was saved to both of our Kohls online accounts. I also contacted our credit union to see if they could explain the declines but they said they were not seeing any transactions from Kohls on their end.So then I attempted to contact Telecheck Services but could not actually speak to a live person. Instead I was forced to try using their website to enter the decline information. But there are no options for declined online transactions & and no guidance on how to resolve these types of issues. I was never given decline codes from ************* insists they don't have that information. The rep said we'd be receiving a letter from Telecheck with info about the declines but until then Telecheck will keep declining the online transactions from ********** will have to find a different way to make our payments. I would like a phone call from Telecheck as I believe this is would be the fastest way to resolve this problem!

  Business response

  03/08/2022

  March 8, 2022
  *************************
  18268 ***********
  ******, ** 80013
  RE: BBB Complaint No. 16799305/*************************
  Dear ****************,
  TeleCheck has received your BBB complaint regarding check declines when paying to resolve your Kohls credit card accounts. We did try to reach you by phone on February 28, 2022 and March 2, 2022 as you had suggested but were unable to reach you and left a voicemail on both occasions. If you would like to discuss this with me, please call me directly at ************** or reach me directly by email at ************************* We would like to apologize for any inconvenience, frustration, or embarrassment that these declines are causing you as that is certain not our intention.
  For background, TeleCheck is a check acceptance company and specialty credit reporting agency 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 and the transaction indicates a greater risk that a check will not clear than a merchant is willing to accept.2 In those instances, TeleCheck will issue a Code 3 decline.3 TeleCheck may also at times request additional information from a consumer if, for example, the account information is not read properly by a check reader at the point of sale; in those cases, TeleCheck will issue a Code 0. A Code 0, however, is not a decline, but rather a request for additional information from the consumer needed to complete processing the check transaction.
  That is what appears to have happened here. With the information we located in our system, multiple Code 0s were issued to you at Kohls on February 16, 2022 for transactions of $207.84 and $505.91. It appears those transactions never went forward after the Code 0s were issued and no actual decline was issued. If you receive a Code 0 in the future, please contact TeleCheck at the number provided by the merchant at the point of sale to provide the additional information necessary to continue to process the check transaction. Please note that all information you provide TeleCheck is legally protected against unlawful disclosure. Please see below a summary of the Code 0s that were received which we believe are the subject of your complaint.
  Merchant
  Date
  Check #
  Amount
  Current Status
  Evolve Collections (Kohls)
  February 25, 2022
  99625414
  $ 207.84
  Code 0
  Evolve Collections (Kohls)
  February 23, 2022
  99989528
  $ 207.84
  Code 0
  Evolve Collections (Kohls)
  February 23, 2022
  99985540
  $ 207.84
  Code 0
  ECS Web (Kohls)
  February 17, 2022
  99220113
  $ 505.91
  Code 0
  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 For further information about TeleCheck or if you would like to request your TeleCheck File Report please visit: https://getassistance.telecheck.com/how-telecheck-works.html.

   

  Merchant
  Date
  Check #
  Amount
  Current Status
  ECS Web (Kohls)
  February 17, 2022
  99219990
  $ 207.84
  Code 0
  ECS Web (Kohls)
  January 22, 2022
  99710434
  $ 203.93
  Code 0
  Our further review of your account information notes that you have successfully processed one check transaction on March 8, *************************** the amount of $131.72 using check number 99146540.
  While we have done our best to respond to the issues you have raised, please contact me 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

  02/20/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I was denied using a check at ******** The reason started when my home was broken into and checks from two accounts were stolen and cashed. Police depts were notified and captured videos of not me also showing the clerks did not check IDENTIFICATION. Then TRS started collection first hassling me the sent letters with the perpetrator name of them to my new address. I have informed them verbally and gave the police report numbers and officers names. They obviously know I am the victim since they are using the perpetrators names yet they are denying my checks for consumer goods. This is not right ! Please help correct this wrong. They have all the power. Thanks ******

  Business response

  03/18/2022

  TeleCheck has received your BBB complaint disputing the above-referenced items which you believe were the result of forgery, fraud, or identity theft. Please note I attempted to contact you on February 28, 2022 and March 2, 2022 however, I was unable to reach you and left voicemails on both occasions; if you would like to discuss this further, please call me directly at ************** or by email at ************************* We would like to sincerely apologize for any inconvenience, embarrassment, or frustration that these debt items have caused you as that is certainly not our intention.
  
  For background, TeleCheck is a check acceptance company and specialty credit reporting agency 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 and the transaction indicates a greater risk that a check will not clear than a merchant is willing to accept.[2] In those instances, TeleCheck will issue a Code 3 decline.[3] 
  
  Based on the information you provided, TeleCheck located the below-referenced items associated with multiple returned payments from ******* 237,[4] Roc One Stop 3,[5] and ***** 247.[6] Based on the information in your complaint, we reached out to these merchants for validation of these items and only ******* responded with the enclosed electronic receipt of the underlying transaction, which as you will note references a $190.98 check transaction on July 18, 2021, which returned from a ****************** checking account ending in **** because of a hold on funds. TeleCheck was notified on this item on July
  
  
  [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 services it provides.
  
  [3] For further information about TeleCheck or if you would like to request your TeleCheck File Report please visit: https://getassistance.telecheck.com/how-telecheck-works.html, or call TeleChecks ******************** at ************** to request that a form be mailed to you.
  
  [4] This is Reference Number 37-212033725262.
  
  [5] This is Reference Number 19-212031925009.
  
  [6] This is Reference Number 19-212041925002.

  consumer report for employment purposes, or within six months prior to the date of such request received a consumer report for any other purpose, which contained the disputed information.
  
  If disputed information has been deleted and is later reinserted in the file,TeleCheck will notify the consumer, in writing, of this action, within 5 business days of its occurrence.
  
  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                                                                                                                                          051618V2INQ017
  
  Enclosures

• Initial Complaint

  01/27/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Negative information from May of 2021 to January of 2022 was found under the driver's license number of ******** **********. Check writer, *********************** noticed unrecognized transactions taken place under his casino gaming account within Telecheck. Consumer disputed forged checks by Telecheck internal dispute resolution process and reported his driver's license stolen as well as missing checks too. A 30 days resolution was given by Telecheck to ***********************. What consumer didn't know is how Telecheck took that information and gave it to it's merchants during matters are investigated. Months have passed on several notices were given to *********************** in his favor and negative information was finally removed. What Telecheck didn't do was to notify it's merchants of the updated status of ********************* disputes. As a result ***************** was consequently denied check transactions and even physically ban from casinos due to his driver's license showing up still as stolen/ and or fraud. This was embarrassing and slanderous also, defeminization of character. ***************** couldn't spend quality time with his family who too frequently went to casinos too. These negligence into internal policies to restore Mr ******** check writing ability was ignored and he suffered snificantly.*********************** is seeking to resolve matters be restoring his original gaming acct use and limit of $15,000 and asked not to be casted out against him. His feels just for using his remedy by law to dispute violates regulations D and E. *************** should take notice and sanction the appropriate companies responsible.

  Business response

  02/09/2022

  February 9, 2022

  
  ***********************
  29852 *****************
  **********, ** 92596

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

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

  
  TeleCheck has received your BBB complaint regarding check declines being received at TeleCheck subscribing merchants.
  TeleCheck apologizes for any issues you have encountered with these declines.

  
  For background, TeleCheck is a check acceptance company and specialty credit reporting agency 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 and the transaction indicates a greater risk that a check
  will not clear than a merchant is willing to accept.2 In those instances, TeleCheck will issue a Code 3 decline.3

  
  We understand your frustration, but we need a little more information to help us locate the specific declines in our system.
  With this information we should be able to better figure out why you received the declines and to see if there are some steps,
  we can take to minimize the chance you will receive any in the future. Typically, we utilize a specific decline number you
  should have received at the point of sale. You can check 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.
  ? A list of declines you are disputing.

  
  Also, we note that you are having issues with a gaming account. Any issues with your gaming account will need to be resolved
  with the merchant that the gaming account is with. You can provide this information to us at ***********************************, **
  21741-6806.

  
  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 For further information about TeleCheck or if you would like to request your TeleCheck File Report please go to: https://getassistance.telecheck.com/how-telecheck-works.html.
  
  While we have done our best to respond to the issues you have raised, if you have any additional questions or concerns, please
  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

  01/18/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Checks were stolen out of my mailbox November 8, 2021. Someone "washed" the two checks and wrote them to Walmarts in ************* and Madi, Alabama. I filed a police report on November 30, 2021 after receiving notices that Discover and *********** never received my payment. The check to *********** cleared my account before it was caught but I have been reimbursed. We closed the account immediately and opened a new one. The second check was sent through but didn't clear because the account was closed. I was turned over to Telecheck of **********, ********. I have contacted them, my bank has contacted them also. They were also provided with the police report. They have frozen my check writing ability indefinitely until the $661.96 is resolved. That has left me with no ability to pay my bills, get groceries, buy medicine or pay any local merchants. I write checks for all my banking needs. I am 76 and my husband is 85. I do not have a computer, debit card etc. My account has been frozen since December 10, 2021. Please advise me what I can do. I am at the point of getting an attorney in order to access my account. This entire ordeal has taken a tole on my physical and emotional health.Sincerely,*******************************

  Business response

  02/01/2022

  January 31, 2022
  
  *************************
  1706 *************
  ********, ** 29505
  
  RE: BBB Complaint No. ********/ *************************
         Debt Reference: 37-213403725025
         Original ***************** No. 5703
         Current Creditor: TeleCheck Services Inc.
  
  Dear ********************,
  
  TeleCheck has received your BBB Complaint regarding the above-referenced debt item and subsequent declines you have received as a result. I would like to apologize again for any inconvenience, embarrassment, or frustration this situation has caused as that is certainly not our intention. I tried reaching out you by phone on January 20, 2021, at the phone number you provided -- ************** -- however no one answered when the phone was picked up and I was unable to leave a voice mail. Please call me directly at ************** or by email at ********************** if you wish to further discuss this with me.
  
  For background, TeleCheck is a check acceptance company and specialty credit reporting agency 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.  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 and the transaction indicates a greater risk that a check will not clear than a merchant is willing to accept.  In those instances, TeleCheck will issue a Code 3 decline.   
  
  TeleChecks records reflect you received two Code 4 declines on December 10, 2021, at Food Lion. These declines were issued because of the above-referenced item linked to your checking account ending in *******. Below is summary of these declined transactions:
  
  MerchantDateCheck #Amount $
  Food LionDecember 10, 20219002$ 113.96
  Food LionDecember 10, 20219003$ 113.96
  
  After further review of the information you provided, TeleCheck has updated this item to forgery status and closed. You have no further responsibility for this item. Below is a summary of this item in TeleChecks system noting it has been modified to forgery status. We sincerely apologize for any difficulty you have experienced in attempting to resolve this matter.
  
  
  Consumer NameAcct #
  (Last 4)ID#
  (last 4)SS#
  (Last 4)Check #Original CreditorCheck DateAmount $Current Status
  ********************************N/AN/A8072Walmart No. 5703November 30, 2021$ 661.96Modified
  
  While we have done our best to respond to the issues you have raised, if you have any additional questions or concerns, please call me 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.
  
    While a merchant remains free to accept a check even if TeleCheck declines to accept it, TeleCheck will not provide a warranty.
  
    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.
  
    For further information about TeleCheck or if you would like to request your TeleCheck File Report please go to: https://getassistance.telecheck.com/how-telecheck-works.html.
  
   
  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

  01/17/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I went to ********** to purchase new appliances. My total was $3272.45 and when I paid my check was declined by Telecheck. I was advised to call ************ to find out why. I called and was told it was because I was not registered with them and the check was in a large amount. I gave the customer service rep the information she asked for and was told the information would be updated and could take as long as three hours. It was already 8:00 in the evening so I went in and told the cashier that I would have to come back in the morning because the information would not be updated before they closed. I went back in today and was declined once again. I appreciate the fact that there was a safeguard in place to protect my accounts and was OK with having to call in and then wait until the next day. I am not OK with the fact I was declined again today. This is completely not acceptable and was extremely embarrassing. I have had this checking account for over 20 years and have never over drawn a check and have good credit. There is well over the amount of my purchase in the account. There is no reason for this to have happened a second time especially when the ** rep told me she updated everything for the check to process. I then went on their website to try and resolve the issue and there is nowhere on there to register with them to resolve this issue. I do not use credit cards, I only pay with cash, this is ridiculous and should not have this big of an issue to make a purchase. The funny thing too is even IF the check was not good, I don't even get the items I am ordering for a few weeks yet, so they could stop the delivery. Why would I be stupid enough to write a bad check for something I have to wait weeks to get?

  Business response

  01/27/2022

  January 27, 2022
  
  *****************************************
  ***********************************************************
  
  RE: BBB Complaint No. ******** / ****************************************
  
  Dear **************,
  
  TeleCheck has received your BBB complaint regarding a check decline that you received at *************** We would like to apologize for any inconvenience, embarrassment, or frustration these declines have caused as that is certainly not our intention.
  
  For background,TeleCheck is a check acceptance company and specialty credit reporting agency 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 and the transaction indicates a greater risk that a check will not clear than a merchant is willing to accept.[2] In those instances, TeleCheck will issue a Code 3decline.[3] 
  
  With the information in your complaint we were able to locate the transaction in question and the Trace ID associated with it  --- 1400310000035467436088[4] -- which was processed on a **************** checking account ending *******. As your complaint noted, TeleCheck issued a Code 3 decline for this transaction because the lack of check writing history,frequency of check writing, and the amount of the check fell outside parameters. Again, we apologize for any inconvenience you experienced as a result of this issue.
   
  While we have done our best to respond to the issues you have raised, 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
  
  
  [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] For further information about TeleCheck or if you would like to request your TeleCheck File Report please visit: https://getassistance.telecheck.com/how-telecheck-works.html, or call TeleChecks ******************** at ************** to request that a form be mailed to you.
  
  [4] The decline was issued at ********** on January 15, 2022, for a transaction in the amount $3272.45 (check number 6230).
  
  
  

• Initial Complaint

  01/04/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Changed my bank account information through my Maverik account and then went to get gas. Over a month later I received a collection notice in the mail from Telecheck!!! How was I to know that the bank account info never went through when I received no error message?? If that's the case, the transaction at the pump should have NEVER gone through!!! I paid the **** and was told to wait 24 hours to reconnect my account. It's been nearly a month and I am still not able to connect my account due to an error from Telecheck!!! This is ridiculous and unacceptable!!!! I have called repeatedly and can never get anyone on the phone or get told to call a different #. I have never written a bad check or have any kind of credit issues. I have great income and this is so beyond frustrating and wrong!! If this is not taken care of immediately I will pursue further action against Telecheck for your unlawful business practices!!

  Business response

  01/20/2022

  January 20, 2022

  
  Ashley Case
  *************************************************************

  
  RE: BBB Complaint No. ******** / ************************************************* have received your BBB complaint concerning Code 3 declines you received when trying to link your new ************* checking account ending ******* to your Maverik card. We would like to apologize for any inconvenience, embarrassment, or frustration these declines have caused as that is certainly not our intention.
  For background, TeleCheck is a check acceptance company and specialty credit reporting agency which works with merchants nationwide who wish to accept payment by check or electronic check transaction. 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 and the transaction indicates a greater risk that a check will not clear than a merchant is willing to accept.2 In those instances, TeleCheck will issue a Code 3 decline.3
  TeleChecks records reflect the following recent Code 3 declines that were issued because the check writing history on the
  checking account at issue was outside pre-set risk parameters. A summary of these declines are listed below:
  Merchant
  Date
  Check Number
  Amount
  Maverik- Enrollment
  December 15, 2021
  99952935
  $ 0
  Maverik- Enrollment
  December 22, 2021
  99530313
  $ 0
  Maverik- Enrollment
  January 4, 2022
  99938074
  $ 0
  With the information you provided with your complaint, we were able to locate ************* checking account ending ******* which is also linked to the Maverik card ending *******. We have made some modifications to the information in our system which we believe will lessen the likelihood of future declines. Since we have made these adjustments, our records do not note any transactions with TeleCheck merchants on the checking account and no new card transactions on the Maverik account.
  While we have done our best to respond to the issues you have raised, if you have any additional questions or concerns, or if you receive any further declines, please feel free to call me directly at ************** or by reach me directly by email at
  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 For further information about TeleCheck or if you would like to request your TeleCheck File Report please visit: https://getassistance.telecheck.com/how-telecheck-works.html.
  IMPORTANT NOTICE:
  REFER TO TRACKING NUMBER
  435550
  IN ALL FUTURE CORRESPONDENCE
  ********************************************

• Initial Complaint

  12/28/2021

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Attempted to check out at ******************************************. I wrote a check and it was declined by TeleCheck. This happened before and I called the ***** number and updated my information with them. Stated everything was updated. Well it happened again today December 28th at 4:00pm. I again called TeleCheck at ************** immediately when I got home. I spoke to a supervisor named ***** and she stated she was in the ************. I again updated my information. ****** was very busy. I stood in line for 30 minutes to check out. I had an old check from my ************* account that was sold to TCF Bank that was sold to **************** That check was accepted by TeleCheck from a bank that is longer in business for several years. If I did not have that old check in my purse I would have had to walk out of ****** with no groceries in the amount of $299.70. This is not acceptable to me. This business states my information is updated but continues to deny persons their ability to write a check out of their personnel account.

  Customer response

  01/03/2022

  I received a phone call from *********************. Phone # ************ which he asked me to call him. I did not answer the phone. I received this information in my voicemail. He stated is was from Telecheck. The original call was made from ********** ** phone # ************. What is the protocol when filing a complaint? I thought the business was supposed to contact you? Could you please let me know the next steps I am to take. Complaint #********.

  Thanks,

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

  Business response

  01/11/2022

  January 11, 2022
  
  ***************************
  *******************************************************
  
  RE: BBB Complaint No. ******** / ***************************
  
  Dear ******************,
  
  TeleCheck has received your BBB complaint regarding a check decline to ****** No. 48 on December 28, 2021. I would like to apologize for any inconvenience and frustration this may have caused as that is not our intention.
   
  For background, TeleCheck is a check acceptance company and specialty credit reporting agency 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.  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 and the transaction indicates a greater risk that a check will not clear than a merchant is willing to accept.  In those instances, TeleCheck will issue a Code 3 decline.   
  
  With the information you provided, we located the Trace ID at issue ************************ which indeed was a Code 3 decline linked to a ************************ checking account ending *******. With this information, we were able to make modifications to the information in our system related to this checking account and to also migrate the check writing history from your previous ************* & ************* checking account ending ******* to the Huntington account. Since those adjustments, TeleChecks records reflect you have had two recently approved transactions with TeleCheck-affiliated merchants. Below is a summary of how these recent transactions, including the decline, appear in TeleChecks system:
  
  MerchantDate Checking AccountCheck #Amount $Status
  ****** 48December 28, 2021*******1019$ 299.70Code 3 Decline
  ****** 48January 5, 2022*******1021$ 310.42Approval
  NordstromJanuary 7, 2022*******99367114$ 200.00Approval
  
  Based on this, we believe that we have successfully resolved your complaint. Nevertheless, if you have any additional questions or concerns, or if you experience any other declines, please call me directly at **************; you can also reach me by email at *********************** In the alternative, you may also contact TeleChecks ******************** 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.
  
  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 For further information about TeleCheck or if you would like to request your TeleCheck File Report please go to: https://getassistance.telecheck.com/how-telecheck-works.html.
  
   
  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

  01/13/2022

  [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

  12/24/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I tried to buy a MacBook Pro at Best Buy and to pay with a personal check $1,500 of the total $2,894 due. My account is not overdrawn, it has a full balance, I have never had a bounced check and my credit score is excellent. Best Buy turned down the check. According to the printed message on the back of the check, they turned it down due to advice from Telecheck. This is not the first time my family has had issues with Telecheck. In 2017, we wrote to Telecheck President ***** Barbet and spoke to a rep named Velvet ******** due to Telecheck constantly turning down checks from a valid account simply because not enough checks were written from that account. ******************** insisted Telecheck was right to turn down the checks and nothing got solved. These people are placing customers in an awkward position and ruining their credit over arbitrary, illogical reasons. Its time that the financial authorities reign them in. If the financial authorities do not have the power to do that, then they should not exist. There is no reason to pay people good money to unjustly affect our lives.

  Business response

  01/06/2022

  IMPORTANT NOTICE:
  REFER TO TRACKING NUMBER
  434409
  IN ALL FUTURE CORRESPONDENCE

  January 5, 2022
  
  ********************************
  *****************************************************
  
  RE: BBB Complaint No. ******** / *******************************
  
  Dear ****************,
  
  TeleCheck has received your BBB complaint regarding a check decline at Best Buy. I would like to sincerely apologize for the trouble you have encountered with these declines. I tried reaching out to you at the phone number provided in your complaint to discuss this decline -************** on December 29, 2021, and again on January 4, 2022; however,this number was not in service. If you would like to discuss this with me directly, please call ************** or you can reach me by email at ***********************
  
  For background,TeleCheck is a check acceptance company and specialty credit reporting agency which works with merchants nationwide (including Best Buy) 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 and the transaction indicates a greater risk that a check will not clear than a merchant is willing to accept.[2] In those instances, TeleCheck will issue a Code 3decline.[3] 
  
  We understand your frustration with being declined and I would repeat here that we would like to help resolve your concerns.
  To do so,however, we need a little more information to help us locate the specific declines in our system. Typically, we utilize a specific decline number you should have received at the point of sale, which is typically included on the transaction record (receipt) that was provided to you. If you could provide that decline number, we could use that. 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
  
  With this information,we should be able to better figure out why you received the decline and to see if there are any steps we can take to minimize the chance you will receive any in the future. Please be assured that the information you provide is legally protected from unauthorized disclosure.[4]
  
  While we have done our best to respond to the issues you have raised, 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
  
  
  
  [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] For further information about TeleCheck or if you would like to request your TeleCheck File Report please go to: https://getassistance.telecheck.com/how-telecheck-works.html.
  
  [4] If you wish us to search our records, you may fax this information to **************. If you have any questions or would like to discuss this matter directly with our affiliate ************ Services, please call its ****************** at ************** or its ******************** at ************** Monday-Friday 8:00 a.m. to 5:00 p.m.ET. Please call during office hours as that would be the best time to reach a supervisor if additional assistance is necessary.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩