ComplaintsforTeleCheck Services, LLC

Payment Processing Services

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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,

*********************
Initial Complaint
03/29/2024
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 had a check transaction that did not go through my bank. I called Telecheck to resolve the issue and spoke with several people the first person ************ asked if I could make the payment and she told me it would have to be completed on a debit card. I gave her the card details to post the transaction. She told me she would have to transfer me to ********. When I spoke with ******** she said she could post the transaction using my debit card. When she did she said it was declined, she tried it again and said it was declined and I should call my bank, perhaps it was due to card controls. She also stated she would call me back. I called my bank the they told me the transaction had been put through 3 times. The first time it was paid, the next to attempts were declined. I was able to see online were the first transaction posted to my account. While I was speaking with my bank. I received an email receipt from Telecheck that the transaction had been paid. ******** called my back and I explained the situation and she said she did not see where the transaction had posted in her system and I should send an email to her manager *********************** with the receipt number and he would investigate and respond. I did that on the March 22. I never heard any more from them. On the 28th I called them and spoke with ******** again and she said the transaction never showed as paid in their system and It was going back through my bank that day. First she told me to call my bank, which I did and since it had not gone through they could do nothing. She then told me she would have a manager call me and I've never heard anything from them and have sent numerous emails to her manager. On the March 29 the payment was posted again for ******* and a $30 return fee. It has now posed twice.No one has followed up with me regarding this issue. I don't think it would have been too difficult to track the receipt they sent me of the transaction to see it was paid.
Business response
04/19/2024
Dear ************************,
TeleCheck has received your BBB complaint regarding the above-referenced item that you state should have been updated to paid. We
apologize for any trouble you have encountered with this transaction. As detailed below, this situation is complicated and unusual.
TeleCheck located the item in question and found that the debt item should have been updated to paid due to a credit card payment for
the debt item that had not been reflected in our system. TeleCheck was also still attempting to redeposit the original check attempted,
which would have caused a second payment of the debt. We were waiting for the completion of that redeposit to send a refund for the
second payment amount.
However, while TeleCheck was processing the redeposit to complete, TeleCheck was informed that the check transaction had been
disputed by the bank with a stop payment, which ended the redeposit process. Additionally, the original credit card payment was
disputed and reversed. As a result, TeleCheck has not been paid for this item and it remains active in our records. A summary of this
information is listed below:
Consumer Name Acct #
(Last 4)
ID#
(Last 4)
SS#
(Last 4)
Original Creditor Check Date Amount $ Current
Status
********************************* ***8457 ***9636 N/A Creek Casino Wetumpka March 6, 2024 $2005.00 Active
If you would like to make a payment for this item, 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
03/25/2024
Complaint Type:
Product Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
Have been writing checks for at least the past 20 years to various merchants in the city where we do our shopping. Frequency has not changed. We shop at 2-3 merchants on a given day, sometimes 1 or 2 more, sometimes 1 or 2 less. Same banking institution, same account, and always consistently ample funds in account, never a question about that. Starting Feb. 22, had a check declined at a regularly frequented merchant. Same day went shopping at another regularly used merchant, check was declined. Contacted telecheck and got the scripted response of unusual activity, risk factor etc. in effect no definitive answer, just general. Was told by representative that maybe not enough? checks were written and so it was flagged.A week later shopped again at one of same merchants, check was declined. Called telecheck again and got the same useless explanation for decline, basically no specific reason. Was told at that time by. representative on phone that after I gave them updated information( that updated info was name, address, phone # as well as confirming account) that with info update there should be no more problems. Also requested at that time a report as to what is in my transaction file with telecheck, which I am *********** according to their( telechecks) statement on the printed receipt given me by merchant on the decline. Have yet to receive. A couple weeks have gone by with no declines (anxiety at every cash register each time I hand over check). Today a decline again at regular merchant. $200 in groceries. Thankfully I had credit card with me. Called telecheck, same nothing response, scripted answers. After insisting on speaking with the supervisor for explanation, I got an even more vague response about frequency or risk factor or not every check is declined and that I should spend time in store on phone with them to remedy that transaction. Evasive at the least. We have been doing same check writing scenario for 20 plus years, no variation whatsoever.Help please
Business response
04/05/2024
April 5, 2024
*****************************
*****************************************
***********, ** 12567
RE: BBB Complaint No. ******** / *****************************

Dear ******************,
Thank you for speaking with me on March 29, 2024 regarding your BBB complaint. As discussed, the bank account number
you provided showed only a few months of history, and TeleCheck located another account with more check history that had
leading zeroes removed from the bank account number. ****************** migrated the account history from that previous account to
the account with your recent Code 3 decline. TeleCheck shows that you received a check approval at Hannaford after the
migration was completed.
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
04/11/2024
[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
03/16/2024
Complaint Type:
Product Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
On 03/11/24, @ 11:45pm, I purchased groceries at WinCo, who I regularly shop at. I presented a check from the bank and account that I normally use to pay for groceries, then I was asked for my license, which they scanned. The check was declined. I asked them to try it again, which they did, and again it was declined. The check was for a modest amount of $81.10, and I have shopped at WinCo, for more than 30 years and have never been declined. I then proceeded to try another account from the same credit union, and it too was declined. I tried a third account, from a *****, ** local credit union and that too was declined. As I do not have a debit card and do not carry cash, I was unable to complete the purchase. **************** then told me they had a "new system" and there had been other checks declining recently as well. They also said it was probably an issue with my bank; however, since it was 11:45pm, I would not be able to contact them. They also said I would not be able to contact TeleCheck to get additional information. My decline code for all three checks was a 3. After contacting TeleCheck, they say they are available 24 hours to resolve issues...WinCo Management should have known this. This is an issue with *****'s "new system" using TeleCheck, as I was able to go directly to another WinCo, that hasn't implemented their "new system" and process the check that was just declined with no problem. Several days later, again I was able to process one of the three checks at another WinCo in CA that had also not implemented the "new system." My opinion of WinCo's "new system" is that it does a disservice to long-time customers who have never had issues with purchasing groceries before. As a result, it is unlikely I will use the store that has implemented the "new system" and will instead go to other stores. If the "new system" is implemented company-wide, at some point they may lose my business to other retailers, as I can't depend on them to process my check.
Business response
03/27/2024
March 27, 2024
***********************************
*********************************
*****, ** *****
RE: ******************** Complaint No. ******** / ***********************************
Dear **********************,
TeleCheck has received your BBB complaint regarding check declines that you received at WinCo. We would like
to apologize for any inconvenience or frustration these declines have 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.3
TeleCheck issued a Code 3 due to check writing
history and frequency, check number, check amount and other additional factors. However, we have made some
modifications to your information in our system on all three provided checking accounts which we believe will
reduce the likelihood of future Code 3 declines. Our records reflect no check transactions on any of the three
accounts with TeleCheck merchants since we made those adjustments.
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 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,
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 declines were issued at WinCo Foods, LLC on March 11, 2024, for a transaction in the amount $81.10, which
was processed on an Educational ********************** checking account ending in 2531 (check 5986), an
Educational ********************** checking account ending in 1840 (check 2187), and a Horizon Credit Union
checking account ending 7450 (check 1031).
IMPORTANT NOTICE:
REFER TO TRACKING NUMBER
569364
IN ALL FUTURE CORRESPONDENCE
**************************************************
**********, ** 21740
Page 2 of 2
*************************
Consumer Resolution Services
Customer response
03/28/2024
[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 preliminarily find that this resolution is satisfactory to me. Until I have had an opportunity to try to write a check using TeleCheck I cannot verify that they have in fact fixed their system to accurately reflect my check cashing trustworthiness. If these issues arise/continue in the future I would like the ability to further update my acceptance of the business's response. I continue to believe this business should be imposed with some form of penalty for indiscriminately declining checks that they do not have a valid reason for declining...and a lack of history on their part is not a valid reason. Indiscriminate application of check declining imposes a hardship on customers for no reason and makes customers less likely to shop at the business when they cannot depend on the business accepting a valid check. At this point, I would be less likely to shop at WinCo, at this particular location, and would instead go to a business that also accepts checks or credit cards or go to Winco locations that have not currently implemented the "new system" using TeleCheck services.

Regards,

***********************************
Initial Complaint
03/12/2024
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.
03/12/2024. Tried to pay for purchase with a check. The check was denied. According to telecheck it was denied NOT because of lack of funds or bad credit but because I don't write many checks. If I use a check again to pay for a purchase at a business that uses their services it could be denied again. So can I no longer shop at those businesses?
Business response
03/19/2024
March 19, 2024
***********************
**************
******, ** 57437
RE: BBB Complaint No. ******** / ***********************
Dear ************,
TeleCheck has received your BBB complaint regarding check declines that you received 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 transaction.3
TeleCheck issued a Code 3 decline in part because
the lack of check writing history associated with this checking account. 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.
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 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 March 12, 2024, for a transaction in the amount $49.82 (check
number 1022), which was processed on a ************* checking account ending in 0214.
Initial Complaint
03/07/2024
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.
So in 2020 I became a victim of identity theft I notified check systems TeleCheck and several others because I had hit all tears of identity theft and I didn't want any issues today I've never gotten a return call to email nothing back from TeleCheck or in ***** since and now I'm having issues with opening anything or working my recovery plan because of these two companies and I'm trying to come to a civil understanding and work together to stop what the hell's going on with me so it doesn't happen to someone else
Business response
03/15/2024
March 15, 2024
Copa ******************
3800 ************************************
**********, ** 50310
RE: BBB Complaint No. ******** / Copa ******************
Dear ******************,
TeleCheck has received your BBB complaint. From it, we understand that you are complaining you were declined when you
tried to open a new bank account. We sincerely apologize for any trouble you have encountered. 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 declines so we can help resolve
your concerns. Typically, we utilize a specific decline number you should have received when attempting to open the account.
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 account opening; or
A copy your Social Security card
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 Services
Customer response
03/16/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[Please type your response here.]

Regards,

Copa Loganmcmainsjr
Initial Complaint
03/01/2024
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.
On 10-17-23 my bank changed my checking account number, after having the previous number for 9yrs. Since then, Telecheck continually gives me a code 3, declining my check. I never had ANY problems until my checking account number was changed. Now my checks will go thru at the local grocery store, but will not go thru at any other stores/gas station(I had written checks at "declined" locations for 20+ yrs). After calling them at least 6 times (including a conference call including my bank), all the asian women at Telecheck do is continually read off of their script & do not resolve the problem. Telecheck informs me they do not have information from previous (old) checking account, it seems to me old account & new account were not "merged". My new checking account has a new account number, but the same routing number. Would someone PLEASE help me! ****
Business response
03/07/2024
March 7, 2024
*******************************
**************************
*******, ** 60152
RE: BBB Complaint No. ******** / *******************************

Dear ********************,
TeleCheck has received your BBB complaint regarding declined checks after your bank account number was changed. We
would like to apologize for any inconvenience or frustration these declines have caused.
For background, TeleCheck received your previous complaint case when you contacted our call center regarding this same
decline issue. With the information you provided in that complaint, we located the transaction at issue1
and noted that
TeleCheck issued a Code 3 decline in part because of a high level of recent activity on your bank account. However, as stated
in our previous response letter dated March 1, 2024 (enclosed for your review), we have made some modifications to your
information in our system which we believe will reduce the likelihood of future Code 3 declines. In fact, our records reflect
that you have received a check approval since we made those adjustments.
Accordingly, we believe your issue is resolved. But, if you have any additional questions or concerns, please call me directly at
************** or by email at ************************** You may also contact our ******************** 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.
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
Enclosure
Initial Complaint
02/24/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I was a **** of **** customer for over 30 years. For over 30 years I wrote checks both personal, and business on a daily basis. **** of **** was bought by ***. On February 13, 2024 I used my last **** of **** checks- since *** took over **** of ****- *** issued me checks (Same **** different name, and routing number). On February 14 I used my first *** check $235.14 it was declined. I wrote checks February 21, 22, 23 a total of 7 checks all declined. I went to my BMO bank for help I was told there's nothing they could do. I called telecheck I was told the reason it was denied-I have funds -the checks were declined because there's no history of me writing checks. (Which doesn't make since I been writing checks for over 30 years with **** of ****, and the last check I wrote was on February 13, 2024). I gave telecheck my old **** of **** routing number, and updated my profile, and was told wait 24 hrs. Than use my checks if its denied again give telecheck a call. I called February 22, and 23 six checks were declined. I'm worried next week I have to pay my employees with the *** checks, and I'm afraid it's going to be denied and I be responsible to pay there check cashing fee
Business response
02/27/2024
Duplicate of case # 21340534
Business response
03/01/2024
March 1, 2024
*********************
*********************
Madera, ** *****
RE: BBB Complaint No. ******** / *********************

Dear ************,
Thank you for speaking with me on February 28, 2023 regarding your complaint. As discussed during our call, TeleCheck issued code 3 declines because your new checking account did not have sufficient history in our database to approve those transactions. It appears that while your bank had already begun migrating the old account history to your new account, these recent check transactions has occurred before the migration. In addition to the migration by your bank, TeleCheck has also modified information in our system which we believe will reduce the likelihood of future Code 3 declines. Our records do not show any transactions attempted since those adjustments were completed.
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
03/02/2024
[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.
Thank you, Mr. *****************************************

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

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