ComplaintsforTeleCheck Services, LLC

• Initial Complaint

  09/29/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have had several checks declined without any sufficient explanation and without their presentation for payment. At all times there were sufficient funds to support payment and the ************ on which they were drawn (the Pentagon Federal ************) has informed me that the checks would have been honored had they been presented. Evidently there is some false information that TeleCheck is acting upon that I want corrected. When I have contacted themafter inordinate delaythey would not explain what this is about. They told me they would investigate and report back in 2 weeks. Two weeks have come and gone; I have heard nothing.

  Business response

  10/08/2021

  October 8, 2021
  
  *************************
  *********************************************
  
  RE: BBB ***************************************************************
  
  DearMs. *******:
  
  TeleCheck has received your BBBComplaint regarding check declines you received on your Pentagon Federal CreditUnion account. I would like to apologize for any inconvenience, embarrassment,or frustration these declines may have caused as that is certainly not ourintention.
  
  TeleCheck is a check acceptance companyand specialty credit reporting agency which works with merchants nationwide whowish to accept payment by check. For many merchants, TeleCheck also provideswarranty services. As part of its services, TeleCheck evaluates, and processescheck payments at the point of sale for its merchant clients by evaluatingtransactions against its database. If TeleCheck accepts a check, it guaranteespayment to the merchant even if the check returns unpaid for some reason.[1] TeleCheck will decline acheck when there are negative items associated with a check writer in itsdatabase (a Code 4 decline) or when a statistical analysis of the check andthe transaction indicates a greater risk that a check will not clear than amerchant is willing to accept.[2] In those instances,TeleCheck will issue a Code 3 decline.[3] 
  
  I reviewed TeleChecks systems andbelieve I found what caused the declines, a previous TeleCheck File Report case424324:
  
  Consumer Name Acct
  (Last 4) ID
  (Last 4) SS#
  (Last 4) Original Creditor Check No. Date Amount Status
  ************************* ******* ************ Lion **** August 8, 2021 $ ****** Modified
  
  This was a negative item that was Paidin Full on October 4, 2021. I was also able to locate the Code 4 decline[4] on September 4, 2021 on thePentagon ******************** ending *******. Since the above item wasnt paid untilafter the decline you received this would have been the reason for yourdecline. As a courtesy, I have made a modification to our system, which shouldlessen the likelihood of future declines.
  
  While we have done our best to respondto the issues you have raised, if you have any additional questions orconcerns, please call me directly at ************** or by email ************************* You may also contact our ******************** at ************* Monday-Friday 8:00 a.m. to 5:00 p.m. ET. This would be the best timeto reach a supervisor if additional assistance is necessary.
  
  PLEASE NOTE ALL RETURNCORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER ABOVE OR INCLUDE ACOPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK.
  
  Sincerely,
  
  *********************
  ConsumerResolution Services
  
  
  
  
  
  
  
  
  
  [1] While a merchant remains free to accept a check even ifTeleCheck declines to accept it, TeleCheck will not provide a warranty.
  
  [2] A Code 3 is not reported to third-party consumer reportingagencies and in no way reflects negatively on a consumers credit status.TeleCheck does not have access to a check writers account and does not verifyaccount balances as part of the processing services it provides.
  
  [3] For further information aboutTeleCheck or if you would like to request your TeleCheck File Report please goto: https://getassistance.telecheck.com/how-telecheck-works.html.
  
  [4] Food Lion #*** for theamount $260.67 on September 4, 2021
  

• Initial Complaint

  09/22/2021

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Telechek services **** Is a scam organization. They withdrew $32.48 from my checking account without my autherzation. Said it was due to insufficient funds which was a lie. I contacted my bank and they said no, that cashier at business entered check twice which caused check number to be duplicated.

  Business response

  10/08/2021

  October 8, 2021
  
  Preston *******************
  1146 S St ******************************
  
  RE: BBB Complaint No. ******** / Preston *********************************************************** Reference No.34-212453425014
         Original Creditor:******************.
         Current Creditor:TeleCheck Services Inc.
  
  DearMr. *****,
  
  TeleCheck has received your BBBComplaint regarding what you may believe to be a duplicate payment for $32.48. Itried reaching out to you on September 27, 2021 however, I was not able toleave a message.
  
  In researchingyour complaint, we located a ********************** account ending ***3379linked to a Paid in Full debt item reference number 34-212453425014 which islisted below. This item had a return check fee of $30.00 with $2.48 ***** statetax added to it. This transaction was sent to ************** Incs PNC Bank onAugust 29, 2021 returned back on September 2, 2021 for Insufficient Funds. Theprevious transaction was then sent in for redeposit on September 3, 2021 atwhich time it was processed and cleared your account.
  
  Acct
  (Last 4) ID
  (Last 4) Original Creditor Check No. Date Amount Returned Check fee ***************************************** **** Aug 27, 2021 $47.63 $32.48 Modified
  
  The $32.48 youinquired about was not a duplicate payment but was for the return check feealong with the applicable tax. At this time, our records reflect that the aboveitem is satisfied and has been closed in our system.
  
  While we havedone our best to respond to the issues you have raised, if you have anyadditional questions or concerns, please call me directly at ************** orby 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 timeto reach a supervisor if additional assistance is necessary.
  
  PLEASENOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER ABOVEOR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK.
  
  Sincerely,
  
  *********************
  ConsumerResolution Services

• Initial Complaint

  09/20/2021

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I went to the Best Buy store on ************* in ****** ******** on 9/20/2021. I found the item I wanted to purchase and took it to the cashier. I asked if they accepted personal checks for payment and was told yes. After scanning the item and running my check the cashier told me he had to have my drivers license and phone for authorization of my check. He then called TeleCheck Services *** and they declined my check. I personally called them and spoke with the person handling my claim. He said my check was denied because I do not typically write checks in this large amount. I confirmed that I do so every month of every year. I have never had a declined check and have overdraft coverage with my bank which I have been a member of for 43 years now. I offered to give them my bank's phone number and they could confirm there was sufficient funds in my checking account for the item I wanted to purchase which was ****** with tax. They said no. I am reporting them for this public humiliation.

  Business response

  09/30/2021

  
  IMPORTANT NOTICE:
  REFER TO TRACKING NUMBER
  423258
  IN ALL FUTURE CORRESPONDENCE 
  September 30, 2021
  
  
  *******************
  4775 Aldun Ave NW Apt 302G
  ***********************
  
  RE: BBB Complaint No. ******** / *******************
  
  DearMs. Lilly,
  
  TeleCheck has received your BBBcomplaint regarding a check decline that you received at Best Buy. We wouldlike to apologize for any inconvenience this decline has caused and also forany frustration in attempting to contact TeleCheck over the phone. I did try toreach you by phone to discuss this matter on September 24 and September 27,2021 but was unable to reach you and left a voicemail. If you would like tocontact someone directly to discuss this complaint, please call me at ************* or you can reach me by email at ********************************.
  
  For background,TeleCheck is a check acceptance company which works with merchants like bestBuy nationwide who wish to accept payments by check. For many merchants,TeleCheck also provides warranty services. If TeleCheck accepts a check itguarantees payment to the merchant even if the check returns unpaid for somereason. TeleCheck will decline a check when there are negative items associatedwith a check writer in its database (a Code 4 decline) or when a statisticalanalysis of the check and the transaction indicates a greater risk that a checkwill not clear than a merchant is willing to accept.  In those instances, TeleCheck will issue aCode 3 decline. Code 3 declines consider many different factors includingcheck volumes and a check writers typical pattern of writing checks. Forfurther information about TeleCheck please visit our website at: https://getassistance.telecheck.com/how-telecheck-works.html. 
  
  From yourcomplaint it seems you received a Code 3 decline. However, while we would liketo help resolve your concerns, we need a little more information to identifythe issue. Typically, a decline is issued with a denial number on the receiptprovided at the point of sale. If you do not have that information, any or allof the below additional information should allow us to locate and address thetransaction at issue:
  
               A copy of your drivers license orother state-issued identification used in connection with the deniedtransaction;
               A copy of a voided check from theaccount in question; or
               Your social security number.
  
  Be assured that information you provide is legallyprotected from unauthorized disclosure. Whilewe have done our best to respond to the issues you have raised, if you have anyadditional questions or concerns, please contact me as noted above. In thealternative, you may also contact our ******************** at (800) 366-2425Monday-Friday 8:00 a.m. to 5:00 p.m. ET. This would be the best time to reach asupervisor if additional assistance is necessary.
  
  PLEASENOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER ABOVEOR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK.
  
  Sincerely,
  
  *********************
  ConsumerResolution Services
  
  
  

• Initial Complaint

  09/08/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  My bank changed its routing number and did contact telecheck. Telecheck keeps denying my checks. The code on the slip, when entered, states that my accord too new to approve the transaction. We have had this account for 14 years. It doesnt matter the amount of the check, its always denied. I talked to the ladies at the bank and they said its happening for lots of people. They have tried to get this resolved for some of their customers. They were told by telecheck that the problem would be resolved within 3 days, the issue doesnt get resolved. When Ive personally called telecheck several times, after entering all of the information, Im told Ill be connected to a customer service representative and the phone hangs up.

  Business response

  09/21/2021

  September 21, 2021
  
  *********************
  *******************************
  
  RE: BBB Complaint No. ******** / *********************
  
  DearMs. *****,
  
  TeleCheck has received your BBBComplaint regarding recent check declines due to ******************* changingrouting numbers. I would like to thank you for speaking with me on September15, 2021. As I explained during our call, when your bank changed routingnumbers, this caused TeleChecks system to analyze the checks as new accounts.As a result, it appears that you received risk-based declines due to a lack ofhistory on the associated account, a ******************* checking accountending in *******. Based on the information you provided and our research, wehave made adjustments to your profile to lessen the possibility of futuredeclines. Indeed, our system reflects that you received an approval at Tractor SupplyCompany on September 18, 2021.
  
  While we havedone our best to respond to the issues you have raised, if you have anyadditional questions or concerns, please call me directly at ************** orby 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 timeto reach a supervisor if additional assistance is necessary.
  
  PLEASENOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER ABOVEOR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK.
  
  Sincerely,
  
  *********************
  ConsumerResolution Services
  
  
  
  
  

• Initial Complaint

  08/30/2021

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  On July 6, 2021 I wrote a personal check at a local Wal Mart store in Centennial, CO for $78.56. Within two days, on July 8, 2021, my home personal computer was "hacked" forcing me to "immediately call my bank and put a "freeze on my personal checking account and cancel my "debit card". Wal Mart had not presented this check to be processed at my bank within that time frame, therefore reporting to Telecheck services that my personal check was declined for payment. When I learned what had happened I "immediately called Telecheck services and talked to "rep James giving him my new checking account info to resolve the declined check #2803 plus a $20 return check fee so this issue would be resolved". James assured me "all is resolved and I can write checks again to Wal Mart stores". I am still, as of 8/27/21, unable to "write a check for purchases at Wal Mart using my "new checking account checks". I am now being told, per last telephone call to Telecheck, by "rep Rain I pass bad checks"

  Business response

  09/15/2021

  September 15, 2021
  
  
  
  RE: BBB Complaint No.8888888888888888
         Original Creditor: Walmart #3313
         Current Creditor: TeleCheck Services Inc.
  
  Dear Ms. Bates,
  
  TeleCheck has received your BBB complaint regarding check declines you are receiving on your new BOKF bank account ending ***6573. We would like to apologize for any inconvenience, embarrassment, or frustration these declines may have caused as that is certainly not our intention.
  
  For background, TeleCheck is a check acceptance company which works with merchants nationwide. For many merchants, TeleCheck also provides warranty services. 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. In those instances, TeleCheck will issue a “Code 3” decline.[2] Code 3 declines consider many different factors including check volumes and a check writer’s typical pattern of writing checks. For further information about TeleCheck please visit: https://getassistance.telecheck.com/how-telecheck-works.html.
  
  With the information provided in your complaint, we were able to locate the paid debt item to Walmart #3313 on your prior BOKF checking account (ending ***0258). A summary of this item is below.  
  
  Consumer Name ACCT # (Last 4) ID#
  (Last 4) SS #
  (Last 4) Check # Original Creditor Check Date $ Amt Current Status
  Carolyn Bates ***0258 ***1236 N/A 2803 Walmart 3313 7/6/2021 $ 78.56 Paid
  
  NOTE: “0” or “N/A” appearing in grid indicates inapplicability based on transaction type.
  
  As your complaint notes, this item was related to recent declines in our system. Of note, we located Trace ID 1400310000035037792252, which relates to a Code 3 decline at Walmart #2892 on August 27,2021 for $78.98 on a BOKF checking account ending ***6573, which we believe is your newer checking account. This decline was issued by TeleCheck because the check writing history on the new account was outside the parameters this merchant had established with us. However, we have made adjustments to the information related to the new account to tie to the prior checking account in our system which we believe will reduce the likelihood of similar Code 3 declines. Our system reflects no check transactions with TeleCheck merchants since we made these adjustments.
  
  I also would like to apologize for your experience interacting with representatives from our call center. While I was unable to find a recording of this call because we did not have the exact date or time frame to review this particular call, we have raised this issue with management and will address this type of interaction appropriately. We do take matters like this seriously and appreciate your raising them to us for review.
   
  If you would like to request a copy of your TeleCheck File Report, please visit getassistance.telecheck.com/consumer-file-report.html or if you would like to receive a report by mail, please call our Consumer Call Center at (800)-366-2425 to make that particular request and we will mail you a form.
  
  While we have done our best to respond to the issues you have raised, if you have any additional questions or concerns, if there are other items you wish to address, or if you encounter any issues, please call me directly at (301) 766-5193 or contact me by email at [email protected]. You may also contact our Consumer Call Center at (800) 366-2425 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. Finally, please review the important notice below.
  
  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 consumer’s credit status. TeleCheck does not have access to a check writer’s account and does not verify account balances in its processing.
  

  Customer response

  09/21/2021

  [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. 

  
  
  Regarding the above referenced complaint that I initiated to the BBB involving communication between myself and Telechek Services, I have been able to successfully write a personal check, as of yesterday, September 17, 2021, for a purchase I made at my local Wal Mart store.  It appears that Telechek Services was able to successfully link my "old closed personal checking account with my newly opened personal checking account", thus eliminating the Code 3 errors that the Wal Mart stores kept printing out whenever I tried to pay for my merchandise with a personal check.  It also appears, according to the response you, the BBB, received from Telechek Services, that they are going to communicate to their customer service representatives the importance of the "specific words used to a customer that is calling in regards to an issue involving Telechek Services".  In my case, "one of Telechek Services representatives called me a "fraudulent check writer".  Per Telechek, "they do not keep telephone inquiry conversations pertaining to each individual service representative that they employ to answer public inquiry telephone calls."  I find this practice by Telechek Services "odd" to say the least.  I hope I can move forward now from this "humiliating experience involving Telechek Services".  I again thank the BBB for intervening on my behalf.
  
  Carolyn Bates   
  
  Regards,
  
  Carolyn Bates

  
  

• Initial Complaint

  08/22/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have been declined with Telecheck multiple times. I have spoken with severla representatives who continually tell me that I do not have any returned checks on file but I need to build credit history in writing checks. They said start with small amounts. I have done this with being denired at several locations such as Dick's ******** Goods, ****** among others. I am on check **** and have been with my bank for 31 years. This is humiliating. The bank I use does not offer debit cards because it is our credit union where I work. I want Telecheck to remove this hold they have on my file so I can write checks. It does no good to call in and speak with anyone because they have a million excuses. This should not be allowed and should be against some law.

  Business response

  09/17/2021

  
  IMPORTANT NOTICE:
  REFER TO TRACKING NUMBER
  419657
  IN ALL FUTURE CORRESPONDENCE 
  September 17, 2021
  
  
  *******************
  ***********************************
  
  RE: BBB Complaint No. ******** / *******************
         Debt Reference:36-212223600105
         Original Creditor:The Buckle #***
         Current Creditor:TeleCheck services Inc.
  
         Debt Reference:44-211674425619
         Original Creditor:Amazon Marketplace Pmts
         Current Creditor:TeleCheck Services Inc.
  
  DearMs. *****,
  
  TeleCheckhas received your BBB Complaint regarding check declines you are receiving onyour Hope FCU checking account ending in *******. I would like to thank you fortaking the time to speak with me by phone on September 1, 2021; I also wouldlike to apologize again for any inconvenience, embarrassment, or frustrationthis decline has caused as that is certainly not our intention.
  
  Forbackground, TeleCheck is a check acceptance company which works with merchantsnationwide. For many merchants, TeleCheck also provides warranty services. IfTeleCheck accepts a check it guarantees payment to the merchant even if thecheck returns unpaid for some reason.[1] TeleCheck will decline a check when there are negative items associated with acheck writer in its database (a Code 4 decline) or when a statisticalanalysis of the check and the transaction indicates a greater risk that a checkwill not clear than a merchant is willing to accept. In those instances,TeleCheck will issue a Code 3 decline.[2] Code3 declines consider many different factors including check volumes and a checkwriters typical pattern of writing checks. For further information aboutTeleCheck please visit: https://getassistance.telecheck.com/how-telecheck-works.html.
  
  Whilespeaking with you I was able to verify the checking account ending *******,which was linked to two debt items: (1) The Buckle #*** which you stated shouldshow as being paid; and (2) I also informed you of a returned item on atransaction with Amazon Marketplace Pmts. As to the latter, you indicated to meduring our call that you didnt recognize this item but would look into thistransaction. Since our call I sent an email to *********************** as we discussed, askingyou to provide an unaltered running bank statement (including the balance and credits)showing five days before and five days the payment of this item. In lieu of arunning statement I indicated that a signed letter on bank letterhead statingthis item was indeed paid would work. Finally, we discussed that I would alsoattach a forgery/identity theft affidavit for the unrecognized debt item involvingAmazon Marketplace Pmts.
  
  Pleasenote that as of this date I still have not received either the running bankstatement, bank letter, or forgery affidavit returned. As a courtesy, I haveenclosed another affidavit with this letter. In the interim, TeleChecks systemreflects the following open, active, and unresolved items in its system. Asthese items remain open and active in TeleChecks system, this may affect yourcheck writing ability with merchants and financial institutions which utilizeTeleChecks check warranty and account verification services, and this is whyyou have received check declines recently.
  
  Consumer Name ACCT # (Last 4) ID# (Last 4) SS # (Last 4) Check # Original Creditor Check Date $ **** Current Status
  ******************* ******* N/A N/A **** The Buckle *** April 16, 2021 $258.79 Active
  ******************* ******* N/A N/A ******** Amazon Marketplace Pmts June 10, 2021 $85.57 Active
  
  NOTE: 0or N/A appearing in grid indicates inapplicability based on transaction type.
   
  If you would like to request a copy of your TeleCheck File Report, please visitgetassistance.telecheck.com/consumer-file-report.html or call the Consumer CallCenter at ************** to request a form be mailed.
  
  Whilewe have done our best to respond to the issues you have raised, if you have anyadditional questions or concerns, if there are other items you wish to address,or if you encounter any issues, please call me directly at ************** orcontact me by email at *********************** You may also contact our Consumer CallCenter at ************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET. This would bethe best time to reach a supervisor if additional assistance is necessary.
  
  PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCETHE TRACKING NUMBER ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVEDFROM TELECHECK.
  
  Sincerely,
  
  *********************
  ConsumerResolution Services
  
  
  
  
  
  
  
  [1] While amerchant remains free to accept a check even if TeleCheck declines to acceptit, TeleCheck will not provide a warranty.
  
  [2] A Code 3 is notreported to third-party consumer reporting agencies and in no way reflectsnegatively on a consumers credit status. TeleCheck does not have access to acheck writers account and does not verify account balances in its processing.
  

• Initial Complaint

  08/20/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  On July 16, 2021, I tried to pay my sprint **** using my checking. It was declined and I was told to contact telecheck. There was an outstanding check which I wasn't aware of and paid immediately. The debt is clear and I was told, I would be able to once again using my checking account. Today (8/20/21), I tried again to pay my sprint **** using my checking and it was again declined. I called TRF who is the collection agency for telecheck and was told that everything was fine on their end and to call telecheck directly. I have tried 5 times and I enter all the information they request, the recording then says to hang on for the next available person. There are a series of beeps and then I am hung up on. I don't understand how they can do business like this. I understand if there was an outstanding check, but I was never notified by anyone via mail or phone about this check and then I corrected the situation right away but my account is still affected.

  Business response

  09/03/2021

  September 3, 2021
  
  ***** ********************************************************** 96706
  
  RE: BBB Complaint No. ******** / ***** Enhada
  
  DearMs. Enhada,
  
  TeleCheckhas received your BBB complaint regarding a check decline that you received atSprint. We would like to apologize for any inconvenience this decline hascaused and also for any frustration in attempting to contact TeleCheck over thephone.[1] I did try to reach you by phone to discuss this matter on September 1, 2021,but was unable to reach you and left a voicemail. If you would like to contactsomeone directly to discuss this complaint, please call me directly at ************* or by email at ********************************.
  
  Wewould like to help resolve your concerns, but we need a little more informationto identify the issue. If you do not have that information, any or all of thebelow additional information should allow us to locate and address thetransaction at issue:
  
               A copy of your drivers license orother state-issued identification used in connection with the deniedtransaction
               A copy of a voided check from theaccount in question; or
               Denial Number
  
  While we havedone our best to respond to the issues you have raised, if you have anyadditional questions or concerns, please contact me directly as noted above.You may also contact our ******************** at ************** Monday-Friday8:00 a.m. to 5:00 p.m. ET. This would be the best time to reach a supervisor ifadditional assistance is necessary.
  
  PLEASENOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER ABOVEOR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK.
  
  Sincerely,
  
  *********************
  ConsumerResolution Services
  
  
  
  
  
  
  
  [1] For background, TeleCheck is a check acceptance companywhich works with merchants nationwide. For many merchants, TeleCheck alsoprovides warranty services. If TeleCheck accepts a check it guarantees paymentto the merchant even if the check returns unpaid for some reason.  TeleCheck will decline a check when there arenegative items associated with a check writer in its database (a Code 4decline) or when a statistical analysis of the check and the transaction indicatesa greater risk that a check will not clear than a merchant is willing toaccept.  In those instances, TeleCheckwill issue a Code 3 decline. Code 3 declines consider many different factorsincluding check volumes and a check writers typical pattern of writing checks.For further information about TeleCheck please go to: https://getassistance.telecheck.com/how-telecheck-works.html.   
  

  Customer response

  09/21/2021

  On Sun, 19 Sep at 9:39 PM , Traci Enhada <[email protected]> wrote:
  Thank you for your response.  I apologize that I haven't responded to your email, but I am still working with Telecheck to fix the situation.  The problem is the significant 6 hours time difference is making it difficult to speak via phone.  The problem is currently still ongoing, but I hope to speak to someone next week Tuesday.
  
  
  Traci Enhada
  

  
  

• Initial Complaint

  08/11/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  We work with a company called Tele Check (owned by Fiserv) to verify Checks. Per court order we had to change our bank accounts and requested the change from tele check starting April 1st 2021. We have faxed, emailed many many times. We have called and continue to be told to have patience.... Just last week Aug 6th I called and the rep told me to resend documents we had provided many times. I demanded to speak to a supervisor and was transferred to ****** who I sent resent the documents while on call. He assured me you had everything you needed. No funding by Aug 10th and I called back this morning and asked for ***** He assured me everything was done and I should wait. I called back and was given a new supervisor ******** and she assured me everything was done. They are holding $149,000 of our money and my payroll is at risk.

  Business response

  09/03/2021

  Thank you for contacting us with the stated concerns, we apologize for the frustration encountered when trying to received your funding. The account has been updated and the funds sent to the merchant bank account on file. 

  Do not hesitate to contact us should you have any further issues or concerns.

*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. ↩