ComplaintsforTeleCheck Services, LLC

Payment Processing Services

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Initial Complaint
07/11/2024
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.
Today 7/11/24 went to ******* for a purchase of $30.32 and again get a code 3. I have spent several hours on the phone with telecheck to get this cleared up and it keeps happening. When I get home telecheck says oh call from the store and rerun the check for approval but no store will let you hold up a line. Telecheck needs to do better, I have no bad checks, no negative reports etc on my name. Its getting embarrassing and Im tired of it. I have written checks for over 30 years and never had this problem.
Business response
07/18/2024
July 18, 2024
*******************************
*********************
RE: BBB Complaint No. ******** / *******************************
Dear ****************,
TeleCheck has received your BBB complaint regarding a check decline at Wal-Mart. We sincerely apologize for any trouble
you have encountered with this decline. Please note that I did call you at the number provided in the complaint ((708) 420-
3298) to discuss this matter and left a voicemail message. If you would like to discuss this with me directly, please call (240)
******** or reach me directly by email at **************************
While we understand your frustration, we need a little more information to help us locate the decline so we can help resolve
your concerns. Typically, we utilize a specific decline number you should have received at the point of sale on the transaction
record (receipt) that was provided to you. If you do not have that information, any or all of the below additional information
should allow us to locate and address the transactions at issue:
A copy of your drivers license or other state-issued identification used in connection with the denied transaction; or
A copy of a voided check from the account in question or the full bank account and routing numbers.
Please note all information you provide us is legally protected from unauthorized disclosure.
If you have any additional questions or concerns, please call or email me directly as noted above. You may also contact our
Consumer *********** at ************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET. This would be the best time to reach a
supervisor if additional assistance is necessary.

PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER
ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK.
Sincerely,
*************************
Consumer Resolution Services
Initial Complaint
06/30/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
In May 2024, my mother had a check declined at ******* on a checking account that we share. Neither of us has ever had any problem writing checks in the past. Our bank assured me that there was no problem there. I contacted TeleCheck on 5/17/2024 and was told that our account had been linked to someone with an overdrawn account at another bank where we do not have an account. I was told that TeleCheck would remove the ** of that person and unlink the account. I was also told to wait 72 hours before trying to write another check and was given case #MI004159472.On 6/22/2024, my mother had another check declined at ******** with a Code 4, so I contacted TeleCheck again. This time the call was routed to a collection agency. However, the collection agency could not find the reference number that was given - **************. I asked that the call be routed back to TeleCheck. I could get no satisfactory explanation from TeleCheck as to why there was still a problem. I inferred from the scant information I received that our account was associated in some way with someone who lives in another town. I could not get TeleCheck to give me enough specific information to either understand or resolve the problem.
Business response
07/10/2024
July 9, 2024
***********************
*******************
*****************
RE: BBB Complaint No. ******** / ***********************

Dear ****************,
TeleCheck has received your BBB complaint regarding declined checks due your consumer profile being linked to an identifier
belonging to another consumer. We would like to apologize for any inconvenience or frustration this decline has caused,
though as stated below, we believe the issues is now resolved.
Our records show that you contacted our call center on May 17, 2024 and explained that you and your mother were receiving
declines on a joint bank account due to a debt incorrectly linked to your account. The call center agent researched the issue and
disassociated the incorrect identifiers from your bank account and other provided identifiers.
We have further researched your profile and unlinked all identifiers from your bank account other than the two provided
drivers licenses. Our records show that your bank account has received approvals since the incorrect identifiers were
unlinked.
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
07/18/2024
[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 ********. A recent check was accepted, so this resolution is satisfactory to me.

Thank you.

***********************
Initial Complaint
06/24/2024
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.
FCRA Section 605C prohibits consumer reporting agencies from furnishing a consumer report containing adverse information related to severe forms of trafficking in persons or *** trafficking if the consumer has provided trafficking documentation to the agency. This means that negative information related to trafficking may be blocked from background check reports ordered by future employers, volunteer organizations, and landlords. 18 U.S. Code 1591 *** trafficking of children or by force, fraud or coercion. U.S. Code, US Law, LII/Legal information institute. My name is ************************* and I asked that you Block all information and delete any accounts that are reporting negatively in your system TELECHECK. Sincerely, *************************
Business response
07/09/2024
IMPORTANT NOTICE: REFER TO TRACKING NUMBER ****** IN ALL FUTURE CORRESPONDENCE July 9, 2024 ************************* ********************************************* RE: BBB Complaint No. ******** / ************************* Dear **************, TeleCheck has received your BBB complaint. We understand that you believe there may be accounts listed on your credit report that were not opened by you and that you believe should be removed related to human trafficking. We searched your TeleCheck consumer history using the information provided, which included your social security number and drivers license. We reviewed the list of accounts provided and found no negative information or debts associated with any of those accounts or the identifiers provided. As a courtesy, please find enclosed a recent copy of your TeleCheck File Report (TFR) which was generated using the identifiers provided with this complaint which you will note shows only account inquiries. If you have any other identifiers such as specific bank accounts numbers you wish us to search our records for, we would be happy to do so. Additionally, your complaint mentioned opting out for personal information. If you would like to ensure that your personal information cannot be used to approve checks, TeleCheck can put a security freeze on your checking accounts. Please be advised, however, that if we place a security freeze on your account, ****************** will decline any check transactions using that checking account or any other identifier you want the freeze to apply to. As a result, TeleCheck would not approve any transaction using a frozen identifier. If you are still interested in our placing a freeze on any accounts or other personally identifiable information, please reach us at the numbers provided below or mail a request to: TeleCheck Consumer Resolutions, *************************************. Finally, please note that TeleCheck does not provide information to any of the three major credit reporting agencies (Experian, Equifax, TransUnion). TeleCheck would not have any information regarding credit cards, only banking accounts involving check processing. 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 Enclosure
Initial Complaint
06/11/2024
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
On May 19, 2021, we wrote check number 7910 from ***************, ******, ************* to the *** Pharmacy in ******. Amount was $54.82. For some reason *** Pharmacy tried to cash the check (7910) once again on September 1, 2021. It was on a piece of paper, no authorization from us. Harbor One denied this and credited our account the $54.82. Since then, when we try to cash our checks with retailers who use TeleCheck our checks get denied. Recently, ******* and now ********* have refused our checks for purchases made in their stores. We have called TeleCheck support services and they are unable to tell us why our checks are being denied and seemingly dont have a record of it; we have also written to them; again, they cannot locate the account or problem. They gave us incident number S4423209, case number *********. Just today (June 11, 2024) a check made out to ********* in the amount of $76.47 was denied. Denial record number *******. The merchant number for ********* is ********. We want to be able to cash our checks and not have them rejected. We have approximately $20,000.00 in our account that can and should be accepted. Our banking institution (Harbor One) wrote a letter to TeleCheck with the two copies of the checks that *** tried to cash and also sent front and back copy of check number ************************************* May, ******************************* September, 2021. We have copies of all correspondence, letter from our bank as well as copies of rejections from ******* and now ********* that will not allow us to write a check at their place of business. Two letters from TeleCheck said a) cant locate any problem; and b) want copies of checks before and after date in question. Our bank representative advised against this! This is detrimental to our relationship in the business community and through no fault of our own has tarnished our name. We hope you can help us resolve this matter. Thank you.
Business response
06/27/2024
IMPORTANT NOTICE:
REFER TO TRACKING NUMBER
579690
IN ALL FUTURE CORRESPONDENCE

June 26, 2024
*************************;
9 **********************;
******, MA 02021
RE: BBB Complaint No. ******** / *************************;
Dear **************,
TeleCheck has received your BBB complaint. We would like to apologize for any inconvenience, embarrassment, or frustration these
check transactions may have caused. As discussed below, we believe the matter to be resolved.
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

In reviewing your complaint, we identified two issues. First, you were receiving Code 4 declines due to the *** Pharmacy item you
identified in your complaint. When you called in on April 30, 2024 concerning the Code 4 declines, we researched the matter and
updated the *** item in our system. Below is a summary of the item in our database reflecting as inactive:
Consumer
Name
Acct#
(Last 4)
ID#
(Last 4)
SS#
(Last 4)
Check # Original Creditor Check Date $ *** Current
Status
N/A ***9881 N/A N/A 0 *** Pharmacy May 19, 2021 $ ***** Inactive

Once that happened, however, it appears that you started receiving Code 3 declines. We are very sorry for the inconvenience this has
caused you. We have made modifications to your information in our system to reduce the likelihood of future Code 3 declines.
We believe this should resolve the issue, but 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.
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 (e.g., Experian, Equifax, TransUnion) 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. We have nothing in our system indicating a credit freeze.
3
For further information about TeleCheck or if you would like to request your TeleCheck File Report please visit:
**********************************************************************************, or call TeleChecks ******************** at ************** to
request that a form be mailed to you.
IMPORTANT NOTICE:
REFER TO TRACKING NUMBER
579690
IN ALL FUTURE CORRESPONDENCE
************************************************************;
**********, *************;
Page 2 of 2
Sincerely,
*************************;
Consumer Resolution Services
Initial Complaint
06/04/2024
Complaint Type:
Customer Service Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I wrote a check at ******* for ****** and the cashier rang the check in for ******. I called ******* and commerce about this issue. They put the physical check through, they tried to put the same check through for ****** and it was declined. Telecheck has locked my account and I need to pay medical bills via ach and now I cannot and my credit will be ruined. Telecheck says it take 30 days to remove the block. They refuse to help and ******* even spoke with them and stated that the check was ran twice which is illegal.
Business response
06/12/2024
IMPORTANT NOTICE: REFER TO TRACKING NUMBER ****** IN ALL FUTURE CORRESPONDENCE June 12, 2024 *************************** ********************************************************* RE: BBB Complaint No. ******** / ********************************************************************************************* has received your BBB complaint regarding your ability to receive check approvals. We would like to apologize for any inconvenience or frustration this issue has caused. As detailed below, we believe this matter is now resolved as the block has been removed. As stated in your complaint, our records show that you wrote a check to ******* on April 12, 2024. ******* experienced an issue about processing the check for the correct amount. Our records show that this check was returned to TeleCheck on May 11, 2024 by the bank as a stopped payment. When TeleCheck receives a stopped payment, a block is placed on the bank account to prevent future checks from processing electronically until the stop payment has been resolved. TeleChecks system reflects that the stopped payment was paid in full on May 30, 2024. When you contacted our call center starting on June 3, 2024, the agents stated that they could not remove the *** block and would open a request to the correct department to have it removed. That request was received by the correct group on June 4, 2024 and the *** block was cleared. The bank account information provided in your complaint currently shows no negative information or blocks to your check processing. We also note that no checks have been attempted from your checking account since the *** block was cleared. Finally, please note that TeleCheck does not provide information to any of the three major credit reporting agencies (Experian, Equifax, TransUnion). TeleCheck would not have any information regarding credit cards, only banking accounts involving check processing. We believe this resolves your issue, but if you have any additional questions or concerns, please call me directly at *************** or by email at ************************** You may also contact our ******************** at ************** MondayFriday 8:00 a.m. to 5:00 p.m. ET. This would be the best time to reach a supervisor if additional assistance is necessary. PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK. Sincerely, ************************* Consumer Resolution Services
Initial Complaint
05/31/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I filed for bankruptcy 2/12/** and Telecheck is listed as a creditor. I continue to get harassed by their 3rd party collection agency about the payment that was filed in bankruptcy. I go to website of TRS Recovery Services and the debt is still listed. But when I call they continue to tell me that my account was turned over to Transworld. But when I call Transworld they tell me TRS Recovery has the account. I even filled out Telecheck online form about 2 months ago like the automatic system of Telecheck tells consumers to do, but still the debt is still listed. I even got a report from Telecheck and the debt is still listed. Ive tried to call Telecheck directly and its no luck because the automatic system Wants you to go to the website which isnt solving my problem. Then in the prompt I tried pressing zero and gets a busy signal. Bankruptcy was filed 2/12/** Case# **-20200
Business response
06/06/2024
IMPORTANT NOTICE:
REFER TO TRACKING NUMBER
578782
IN ALL FUTURE CORRESPONDENCE

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

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

Better Business Bureau:

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

Regards,

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

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

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

May 3, 2024

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

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

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

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

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

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

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

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

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

Sincerely,

*************************;
Consumer Resolution Services

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