Business Profile

Payment Processing Services

TeleCheck Services, LLC

This business is NOT BBB Accredited.

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Complaints

This profile includes complaints for TeleCheck Services, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

162 total complaints in the last 3 years.
56 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

Initial Complaint
Date:06/26/2023
Type:Product Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
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.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I was not allowed to write a check to ***'s Club because I do not write many checks. ***'s Club AND PNC Bank did everything they could to HELP me. TeleCheck DISCRIMINATES!
Business Response
Date: 07/06/2023
July 6, 2023
*******************************
7 *************
*******, ** 17331
RE: BBB Complaint No. ******** / *******************************
Dear ************************,
TeleCheck has received your BBB complaint regarding check declines that you received at **** Club. Thank you
for speaking with me and providing the information needed to locate your declines. 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
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

With the information you provided we located the transactions.4
As discussed in our conversation, TeleCheck issued
a Code 3 decline transaction because of an insufficient transaction history with TeleCheck-affiliated merchants
within our systems.
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
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.
4
The most recent decline was issued at **** Club **** on June 26, 2023, for a transaction in the amount $1080.13
(check number ****), which was processed on a BNY Mellon checking account ending in 4872.
IMPORTANT NOTICE:
REFER TO TRACKING NUMBER
521059
IN ALL FUTURE CORRESPONDENCE
1 ************************
**********, ** 21740
Page 2 of 2
*************************
Consumer Resolution Services
Initial Complaint
Date:06/15/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
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.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I made 2 purchases from Amazon, one for $158.28 and one for $25.10. On May 30th Telecheck withdrew from my bank account $158.28 and AGAIN on May 31st another $158.28. On June 1st Telecheck deducted $25.10 for 2nd purchase and AGAIN on June 2nd for same another $25.10. I filed dispute with my bank and they did credit one amount of $158.28 and one amount of $25.10. Amazon on June 10th locked me out of my account and sent TRS collections after me for the amounts. I spoke to 2 Amazon reps and was told they can't help as account is locked. I spoke with TRS which gace me 2 reference numbers to use for their dispute. When I got to dispute page there is no place for reference numbers and they wanted my bank account number and routing number! THEN on June ************************* deducted another amount of $41.41 for an anonymus purchase from Amazon which I have NO idea and how can that be when my account was locked on June 10th????. I will attached all documents to follow along. The dispute dox shows where Telecheck helped themselves twice for the same order. Thank you ********
Business Response
Date: 06/28/2023
June 28, 2023
*******************************
669 ***************** Apt 1
**********, ** 01504
RE: BBB Complaint No. ******** / *******************************
Debt Reference Numbers: 44-231604425388, 44-231604425418 & 44-231724425427
Original Creditor: Amazon Marketplace Payments / Current Creditor: TeleCheck Services, LLC
Dear ******************,
TeleCheck has received your BBB complaint regarding two check transactions to Amazon that you state were processed twice. As
explained below, TeleCheck has closed these items in its system and returned them to Amazon. We apologize for any frustration and
inconvenience you may have experienced with these transactions.
The items above were processed May 27 and May 29, 2023 on a ******************** checking account ending in ****. The checks
were returned by the bank due to a stop payment. TeleCheck was notified of both these items on June 9, 2023. Amazon assigned both
items to its affiliate TRS Recovery Services, **** for collection on June 10, 2023.
As part of its investigation of this complaint, TeleCheck contacted Amazon. Amazon experienced a technical issue which resulted in
two of the checks being processed twice in error and accordingly requested that we close and return these debt items, which we have.
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
******************************* ******* ******* N/A Amazon Marketplace
Payments
May 27, 2023 $158.28 Inactive
******************************* ******* ******* N/A Amazon Marketplace
Payments
May 29, 2023 $25.10 Inactive
The other check transaction at issue processed on June 6, 2023 for $41.41, was not part of the technical issue, and returned by the bank
due to a stop payment. TeleCheck was notified of this item on June 21, 2023. Amazon reported the item to TRS Recovery Services,
**** for collection on June 22, 2023. The item is an active debt in TeleChecks system. 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
******************************* ******* ******* N/A Amazon Marketplace
Payments
June 6, 2023 $41.41 Active
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
Date:06/06/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
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.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On February 13, 2023 I made a purchase in the amount of $21.81 from Amazon. My account was debited TWICE for this purchase. I contacted Amazon and on February 16, 2023 my account was refunded $21.81 for the duplicate charge. However, Amazon then reported my account to ******************** for insufficient funds, stating they never received the $21.81. I have contacted both Amazon and Telecheck repeatedly (and have even sent copies of my bank statement). Still, nothing has been done to clear my name.
Business Response
Date: 06/28/2023
June 28, 2023
*********************
*********************************************************************** 66102
RE: BBB Complaint No. ******** / *********************
Debt Reference Number 44-23084425153
Original Creditor: Amazon Marketplace Payments
Current Creditor: TeleCheck Services, LLC
Dear **************,
TeleCheck has received your BBB complaint regarding a check transaction to Amazon that you state was processed twice. As
explained below, TeleCheck has closed this item in its system and returned it to Amazon.
The item above was processed February 10, 2023 on a ************* of Kansas City checking account ending in ****. The check
was returned by the bank due to a stop payment. TeleCheck was notified of this item on February 17, 2023. Amazon assigned the
item to our affiliate TRS Recovery Services, **** for collection on February 18, 2023.
We contacted Amazon as part of our investigation and Amazon directed TeleCheck to close the item. A summary of this information
noting it was modified as closed is listed below:
Consumer
Name
Acct #
(Last 4)
ID#
(Last 4)
SS#
(Last 4)
Original Creditor Check Date Amount $ Current Status
********************* ******* ******* N/A Amazon Marketplace
Payments
February 10, 2023 $21.81 Modified
We apologize for any frustration and inconvenience you may have experienced. We believe this fully resolves this matter.
If you have any additional questions or concerns, 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
Date:06/06/2023
Type:Product Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
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.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On May 26 ***** said I owe them ******************************* receive 20 dollars on my account
Business Response
Date: 06/28/2023
June 28, 2023
*****************************
*********************************************************************, ** 46237
RE: BBB Complaint No. ******** / *****************************
Dear ********************,
Thank you for speaking with me regarding the letter you received stating you owed $20.00. As discussed during our
conversation, TeleCheck does not show a record of a debt item under your personal information for $20.00. We did find the
below listed debt that reflects the underlying transaction as resolved and paid as of May 22, 2023, but the return check fee of
$20.00 remains unpaid. The transaction information is listed below, noting the item was modified and closed.
Consumer Name Acct#
(Last 4)
ID#
(Last 4)
SS#
(Last 4)
Check # Original
Creditor
Check Date $ *** Current
Status
***************************** ******* N/A ******* ******** Pointsbet IN May 9, 2023 $ **** Modified
As a courtesy, TeleCheck has waived the $20.00 return fee. 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 ******************** 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
Date:05/31/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
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.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Telecheck has had my check declined since December of 2021. I have called and written them requesting a reason or the source for this action to no avail.Example: Food Lion stores in ****************, and Downtown **********, have been declining my checks, I have letters with tracking numbers which they say cant be found.I would like this resolved before next year. Please help me this is very embarrassing.
Business Response
Date: 06/07/2023
June 7, 2023
*********************
1982 ************
**********, ** 29405
RE: BBB Complaint No. ******** / *********************

Dear ****************,
TeleCheck has received your BBB complaint regarding check declines that you previously received at Food Lion
and other merchants. We would like to apologize for any inconvenience or frustration these declines have caused.
Initially, the declines that you reference from Food Lion in February 2023 were Code 3 declines due to a lack of
check writing history associated with your checking account.1
******************* records reflect that you have received
several check approvals for purchases associated with that same checking account once your check writing history
had been re-established.
Your most recent decline,2
a Code 4, was issued due to two debt items from returned checks. Thes debt items were
active at the time of receiving this complaint. However, our records now note that both debts were paid in full on
June 5, 2023. A summary of these resolved items are listed below:
Consumer
Name
Acct #
(Last 4)
ID#
(Last 4)
SS#
(Last 4)
Original Creditor Check Date Amount $ Current
Status
********************* ******* *************** Tires 2 May 20, 2023 $ ***** Modified
********************* ******* ********** Grocers LLC May 21, 2023 $ ***** Modified
Additionally, TeleCheck modified 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 believe this resolves your issue, if you have any additional questions or concerns, please call me directly
at ************** or you can reach me by email at ************************** 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
1
These were processed on a ************************ checking account ending in ****.
2
The decline was issued at ******* **** on May 30, 2023, for a transaction in the amount $72.65 (check number
1104).
Customer Answer
Date: 06/12/2023
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,

*********************
Initial Complaint
Date:05/24/2023
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
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.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Date of transaction 2/11/23, at *************** in *************** **********. I paid using a gift card the balance was written using a check. The cashier entered into telecheck the full amount of purchase, and she did not minus the gift card. Telecheck then took the full amount from my personal checking account, which was an unauthorized debit. The gift card was taken by the cashier and unbeknownst to me, pocketed the monies from the gift card. The receipt from the store showed the gift card, but she inputted to Telecheck the full amount of purchase and did not minus the gift card. This was $50.00. Telecheck has stopped me from writing checks. My husband and I are elderly and we use checks for purchases. This has been going on for 4 months and our credit reports are spotless. Each time we shop our personal check is either accepted or declined. This has been devastating to ** as we call Telecheck weekly, we are on the phone with them for at least 40 minutes, and they tell us they CAN stop us from using our checks with merchants. We have been financially hurt by this and each time we talk to them, our information is updated, and then the next check we write it's declined again. But what is alarming, as we were wronged by the merchant and we quickly got them involved, for 4 months now we are still being prevented from writing checks, because of Telecheck and we cannot get them to stop as it appears they do not answer to anyone or are regulated. Telecheck has caused great harm as they have this ability to freeze your checking account without legal authority and in doing so, has impacted our personal lives. We cannot figure out what to do as we cannot get to management for Telecheck.
Business Response
Date: 05/31/2023
May 30, 2023
***********************************
PO Box 938
****************** 95619
RE: BBB Complaint No. ******** / ***********************************

Dear **********************,
TeleCheck has received your BBB complaint regarding check declines that you received after a check written to Lees Feed
was processed for an incorrect amount. We would like to apologize for any frustration that transaction or the subsequent
declines have caused.
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

The check transaction written to Lees Feed on February 11, 2023 was originally processed for $110.44. We understand that
you believe that **** Feed should have credited the gift card you provided and only processed the check for $60.44. The
check was later requested as a stop payment, which resulted in the check being returned and reported to TeleCheck as a debt
item. TeleChecks records show that this item was paid on May 1, 2023.
As a result of the information provided in your complaint, TeleCheck has also made some modifications to your information in
our system to reduce the likelihood of future Code 3 declines. TeleChecks system does not indicate any check transactions
since the debt item was cleared or our adjustments.
Additionally, please not that TeleCheck cannot freeze your checking account. All ****************** can do is provide acceptance
advice on whether to accept a payment by check or accept a check into it warranty program. A merchant is always free to
accept a payment by check irrespective of the advice TeleCheck may provide.
Finally, TeleCheck does not report to any of the three major credit reporting agencies (Experian, Equifax, TransUnion).
1
While a merchant remains free to accept a check even if TeleCheck declines to accept it, TeleCheck will not provide a
warranty.

2
A Code 3 is not reported to third-party consumer reporting agencies and in no way reflects negatively on a consumers credit
status. TeleCheck does not have access to a check writers account and does not verify account balances as part of the services
it provides.
3
For further information about TeleCheck or if you would like to request your TeleCheck File Report please visit:
**********************************************************************************, or call TeleChecks ******************** at ************** to
request that a form be mailed to you.
IMPORTANT NOTICE:
REFER TO TRACKING NUMBER
509740
IN ALL FUTURE CORRESPONDENCE
**************************************************
**********, ** 21740
Page 2 of 2
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
Initial Complaint
Date:05/15/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
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.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Equifax lists telecheck services as a hard inquiry on my credit report 2 different times in the last year - March 4, 2023 and August 7, 2022. While I do have a checking account, I have not written a check to anyone or any place in more than 5 years, so this hard inquiry cannot be true.Please have this removed from my credit report.
Business Response
Date: 06/01/2023
June 1, 2023
***************************
***********************
RE: BBB Complaint No. ******** / ***************************
Dear ****************,
TeleCheck has received your BBB complaint regarding a hard inquiry that was report on your Equifax report from TeleCheck.
Please note that I did call you at the number provided in the complaint (**************) to discuss this matter and left voice
mail messages. If you would like to discuss this with me directly, please call ************** or reach me directly by email at
********************************.
We would like to help you, but we do need more information regarding your consumer records. Any or all of the below
additional information should allow ** to locate any accounts that might have prompted the inquiry:
A copy your Social Security card;
A copy of your drivers license or other state-issued identification; or
Full routing and bank account numbers for accounts in question.
Please note all information you provide ** is legally protected from unauthorized disclosure. If you need a copy of your
TeleCheck File Report, either visit our website at getassistance.telecheck.com/consumer-file-report.html or if you would like to
complete a hard copy form, please call our ******************** at ************** to request we mail you a form.
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
Date:05/04/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
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.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I use CCC software for my business. I have to pay a monthly subscription service fee. I paid online and was billed 3 times. I contacted the bank and the bank informed me that I would have to contact CCC. I contacted CCC and was informed that they only accepted 1 payment. So there was 2 outstanding payments. CCC nor my bank had the funds for the 2 outstanding payments that were withdrawn from my bank. I checked my bank statement and there was a number under the charges. I called that number and after being hung up on multiple times and hours of having to call back, I was finally told to fill out a form online. I received a letter from telecheck consumer resolution services stating that 2 transactions were processed in error. This letter was received 2 months ago. I have not been able to get anyone to answer or call me back. I constantly get hung up on by telecheck employees. All I need is a refund for MY money. I will be looking to *** this company for the fraudulent schemes, if I dont get a response. I can only imagine how many people just let telecheck steal their money because its such a hassle to ahold of them. Its very saddening that my hard earned money is being held from me. Please people, be very wary of this company. They will take your money and there is very little you can do. I still need my refund of $402!!
Business Response
Date: 05/24/2023
May 24, 2023
*********************************
*************************************************************** 77477
RE: BBB Complaint No. ******** / *********************************

Dear ******************,
We have received your BBB complaint regarding transactions to CCC Information Services that you claimed were processed
and debited multiple times from your business checking account in error. As you know, in our March 13, 2023 response to you,
we advised that the merchant asked to have you reach out to it to work on refunding the two extra transactions.
While researching this issue, we reached out to CCC Information Services to verify if those refunds had already been
completed and asked that if the refunds had not been completed, whether this merchant wanted to refund the transactions
themselves or if it wanted TeleCheck to debit them and credit the funds back to you. Unfortunately, we did not receive a
response from CCC Information Services despite multiple requests. As a result, TeleCheck processed reversals for the two
transactions made in error. You should see those funds refunded back to your account within 5-7 business days.
While we believe that this resolves the issue, 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 **************
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 also review the following 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
Initial Complaint
Date:05/01/2023
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
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.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
My first encounter with TeleCheck was on January 20, 2023 when I presented the check at stop and shop and it was declined. There was no reason for it being declined on the sales slip. There was not a lack of funds in my account so they should not have been a problem with the check. When I called them, they told me that the check could not be verified. I had to wait 30 days before being able to submit a check to stop and shop. Fast forward to April 28, 2023 and the same problem occurred,, Again with no explanation on the sale slip. Again it was no reason for the check to be declined since there was more than sufficient funds in my account to cover the check.When I called TeleCheck, again I was told no reason for it being declined and that the check could not be verified. I find this very frustrating as well as embarrassing to have to go through something like this in front of a store full of people. There must be something that can be done to remedy this issue.
Customer Answer
Date: 05/03/2023
Ref. case # ID ******** On yesterday 5-1-23, in the morning, I contacted Telecheck in an attempt to solve the issue of the declined check, but without success. I was told that my account could not be verified. So I called the number that they were supposed to use for check verification and was told by the *** that they had to call another number for account verification. I then called Telecheck and gave them the additional number, but was told that they had to call the number that was in their system. Finally, after the account once again could not be verified, the person put a supervisor on the line and she called the number that I had given and the account was verified and they removed the flag from my account. So I believe the issue has been solved.
Sent from *********************** (**************)
Business Response
Date: 05/10/2023
May 10, 2023
***********************
18 *******************
*****, ** 06418
RE: BBB Complaint No. ******** / ***********************

Dear **************,
Thank you for speaking with me regarding your BBB complaint. As discussed during the call, your consumer file was updated
when you contacted the call center after your recent decline. TeleChecks records do not show any negative items or blocks to
check processing on your account.
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
Initial Complaint
Date:04/16/2023
Type:Product Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
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.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Went to Meijers while we were 3.5 hours from home to get some items, total came to around ******, wrote a check for exact amount, when the cashier ran the check it came back declined from Telecheck and without a decline code so we called the ***** number and talked to a customer representative which informed us that it was declined due to us not writing very many checks, and since it was Sunday they personally couldnt call the bank, and this is after we verified all the information on the check, and the check was written on an account that is over **************************************************** which she stated it didnt meet the criteria of their guidelines, I asked for a copy of their guidelines in which I didnt get, I then asked if I had any returned checks in their system which I was told NO, I asked if I owed them any money in which I was told NO. So I asked what gave them the right to not allow me to purchase items with money from my account at my own free will, but in all actually I could only be allowed to purchase what they deemed was within their criteria. So basically I can only purchase what they will allow me to with money I legally made, that is legally mine, I honestly dont see how this is not either thief or even extortion.
Business Response
Date: 04/26/2023
April 26, 2023
***************************
**************************************************
**********, ** 47150
RE: BBB Complaint No. ********* / ***************************
Dear ********************,
TeleCheck has received your BBB complaint regarding a check decline that you received at ******* Thank you for
speaking with me and providing details for the check that was declined.
With the information you provided, we were able to locate the transaction in question and the Trace ID associated
with it --- 14003100000366733308311
-- which was processed on a *************************** checking account
ending in ****. As we discussed, TeleCheck issued a Code 3 decline for this transaction because of an insufficient
transaction history with TeleCheck-affiliated merchants within our systems. However, since receipt of your
complaint and our conversation 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

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