Complaints

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

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• 

  TeleCheck Services, LLC

  600 Vel R Phillips Ave Milwaukee, WI 53203

• 

  Telecheck Services Inc

  2750 Lake Villa Drive #303 Metairie, LA 70009

• 

  Telecheck

  PO Box 6806 Hagerstown, MD 21741-6806

• 

  Telecheck Services

  100 Centerview Dr Ste 249 Vestavia Hls, AL 35216-3749

• 

  TeleCheck Services, LLC

  1600 Terrell Mill Rd SE Marietta, GA 30067-8302

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:04/14/2023

  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 have had the same checking account for 30 years and am currently on check number ****. I have never had a check declined until 3 weeks ago and currently. I have called Tele Check each time and reported it. Five times on 5 different transactions. I received two different letters stating that everything is fine with my account and that I should have no trouble writing checks. However, I still cannot write checks. The letters I received are from ***************************, Consumer Resolution Services. I have tried to contact her with the phone number listed on the letter and I get the same people whom speak broken English and read from a script. They cannot tell me why this has happened to my account and cannot refer me to someone that can help me. They say it will be resolved at each transaction, but each transaction is still being declined even though I have two letters I writing stating that there is nothing wrong with the account. This is ridiculous that Tele Check is doing a dis-service to its merchants as well as the consumer. Please have someone call me that can get this situation resolved. ************.

  Business Response

  Date: 04/26/2023

  April 26, 2023
  ***********************
  *****************************
  *******, ** 70072
  RE: BBB Complaint No. ******** / ***********************
  Dear ********************,
  Thank you for talking with me regarding a recent check decline you received at Creative Cakes. As discussed
  during our call, your consumer information in our system had an identifier that did not belong to you or your
  husband that was subsequently removed after a previous dispute. We apologize for the recent Code 3 decline you
  received. As noted below, TeleCheck has made modifications to our system which should reduce the likelihood of
  future Code 3 declines.
  With the information in your complaint, we were able to locate the transaction in question and the Trace ID
  associated with it --- 14003100000366679273561
  -- which was processed on a Fifth ********************* checking
  account ending in ****. TeleCheck issued a Code 3 decline for this transaction because of insufficient transaction
  history within TeleChecks systems. However, since receipt of your complaint 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 several check transaction approvals have been received since TeleCheck completed 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

• Initial Complaint

  Date:04/11/2023

  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 3-22-23 I wrote a check at ********** which was declined. There was ample money in my account. HD gave me info to contact TeleCheck to try to get the situation resolved. I spent 2 hours on the phone with TeleCheck on 3-29-23 and was given a case number from their **************** (who youre not allowed to speak with by phone). I was told Id hear from them within 2-3 biz days. As of April 11th Ive recvd no email from them or anything in the mail. I called today to inquire and ended up with an argumentative cust svc rep. who finally, at my request, connected me to a supervisor. I could hardly hear her and told her that it was very difficult to speak with her. She promptly hung up on me. This entire phone call took 22 minutes. Im still unresolved and doubt Ill ever hear from anyone at TeleCheck. It is extremely difficult to even reach a person on the phone at TeleCheck, and when you do reach someone the connection is poor and they are not helpful.

  Business Response

  Date: 04/25/2023

  April 24, 2023
  *************************
  ***************************************************************************** 32210
  RE: BBB Complaint No. ******** / *************************
  Dear **************,
  TeleCheck has received your CFPB complaint regarding a check decline that you received at *************** We
  would like to apologize for any inconvenience, embarrassment, or frustration this decline has caused, as well as for
  any difficulty you may have encountered in working with our customer service team to resolve your concerns.
  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 in your complaint, we were able to locate the transaction in question and the Trace ID
  associated with it --- ********************** 4
  -- which was processed on a PNC Bank checking account ending
  in ****. TeleCheck issued a Code 3 decline for this transaction because of a high level of recent activity associated
  with this checking account. We have also 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.
  
  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 decline was issued at ************** on March 22, 2023, for a transaction in the amount $486.08 (check
  number 9277).

   

  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:03/30/2023

  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 attempted to give a check at ******* recently. Telecheck denied it and I was told the code was fraud. The person I finally reached was rude and said that wasnt it. I had one check to ******* returned earlier this year and it was taken care of right away and a fee paid. I was told then that Telecheck had corrected this and my check would be honored after this. It was not and I want this fixed! This was a terrible inconvenience to a disabled person and spouse of a disabled veteran! Talking to them does no good! I have written checks for 50 years and NEVER had this happen before. I want my record shown as good with this so called company!

  Business Response

  Date: 04/10/2023

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

  
  TeleCheck has received your BBB complaint regarding a check decline at ******** I would like to sincerely apologize for any inconvenience or frustration you have encountered regarding this issue, as well as for any difficulty you have experienced with
  our customer support team. Please note that I did call you at the number provided in the complaint (**************) to discuss this matter and left voicemail messages. If you would like to discuss this with me directly, please call ************** or reach
  me directly by email at **************************
  For background, TeleCheck is a check acceptance company and specialty credit reporting agency which works with merchants nationwide who wish to accept payment by check. For many merchants, TeleCheck also provides warranty services. As part of
  its services, TeleCheck evaluates and processes check payments at the point of sale for its merchant clients by evaluating transactions against its database. If TeleCheck accepts a check, it guarantees payment to the merchant even if the check returns
  unpaid for some reason.
  TeleCheck will decline a check when there are negative items associated with a check writer in its database (a Code 4 decline) or when a statistical analysis of the check and the transaction indicates a greater risk that a check
  will not clear than a merchant is willing to accept. In those instances, TeleCheck will issue a Code 3 decline. We would alsoencourage you to visit TeleChecks website as noted in your complaint to learn more about the services we provide for both
  merchants and consumers.

  
  While we understand your frustration, we need a little more information to help us locate the specific decline in our system so we can help resolve your concerns. With this information we should be able to better figure out why you received the decline
  and see if there are any additional steps that we can take to minimize the chance you will receive any other declines in the future. Typically, we utilize a specific decline number you should have received at the point of sale, which is provided 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.
  While we have done our best to respond to the issues you have raised, if you have any additional questions or concerns, please call me directly at ************** or by email at ************************** You may also contact our Consumer Call
  Center 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.

• Initial Complaint

  Date:03/15/2023

  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.

  I attempted to write a check at a local business for a few items and my check was declined. This is the 3rd time in the past week or so this company have done this. There is no bad checks on file. They told me that I must wait a at least a week before I can attempt to write another check. When I checked their web site about why they would decline my checks, I found that they look at why you buy and then tell the merchant that the transaction is high risk for fraud. They are violating my privacy by looking at what I'm buying and also slandering me saying that I'm committing fraud.

  Business Response

  Date: 03/29/2023

  March 29, 2023
  

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

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

  Dear ****************,
  TeleCheck has received your BBB complaint regarding a check decline. I would like to sincerely apologize for any inconvenience or frustration you have encountered regarding this issue as that is certainly not our intention.
  While we understand your frustration, we need a little more information to help us locate the specific decline in our system so we can help resolve your concerns. With this information we should be able to better figure out why you received the decline and see if there are any additional steps that we can take to minimize the chance you will receive any other declines in the future. Typically, we utilize a specific decline number you should have received at the point of sale, which is provided 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; and/or
  A copy of a voided check from the account in question.
  

  Please note that TeleCheck does not have visibility into what items you are purchasing or your reasons for purchasing them when it makes its accept or decline recommendations. Nor does TeleCheck slander people with accusations of fraud. All
  TeleCheck does is evaluate transactions against its database. If there are negative items associated with a check writer, it will issue a Code 4 decline. TeleCheck may also issue a Code 3 decline if an evaluation of factors indicates a greater than acceptable risk that a transaction will not clear.
  

  You can 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:03/14/2023

  Type:Billing Issues
  Status:

  ResolvedMore 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 received a letter from TRS Recovery Services for Telecheck LLC; they both have the same address ***************************************************************************** The letter ****** that there was a transaction at ******** My bank investigated and found this to be a fraudulent transaction. My bank denied the transaction and closed the account. I went online to file a complaint for identity fraud at both of the companies' websites, but they are asking for too much information. I would suggest to them that they contact my bank. They have all the information they need to do their own investigation.

  Business Response

  Date: 03/15/2023

  Duplicate of Case ********. Will respond to Case ********.

  Customer Answer

  Date: 03/15/2023

  [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

  Date:03/08/2023

  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 3/8/2023 at 12:17:54 in ****** store **** TeleCheck did not accept a check in the amount of $86.67. The reason was code14 *********. I called ************** and **** could not find a reason why check was not accepted and why this adverse action was taken.

  Business Response

  Date: 03/17/2023

  March 17, 2023
  
  *******************
  ****************************************************************************
  
  RE: BBB Complaint No. ******** / *******************
  Dear **************,
  TeleCheck has received your BBB complaint regarding a check decline that you received at ******* We would like to
  apologize for any inconvenience, embarrassment, or frustration this decline caused as that is certainly not our intention.
  For background, TeleCheck is a check acceptance company and specialty credit reporting agency which works with
  merchants nationwide who wish to accept payment by check. For many merchants, TeleCheck also provides warranty
  services. As part of its services, TeleCheck evaluates, and processes check payments at the point of sale for its merchant
  clients by evaluating transactions against its database. If TeleCheck accepts a check, it guarantees payment to the merchant
  even if the check returns unpaid for some reason. TeleCheck will decline a check when there are negative items associated with a check writer in its database (a Code 4 decline) or when a statistical analysis of the check and the transaction indicates a greater risk that a check will not clear than a merchant is willing to accept.
  In those instances, TeleCheck willissue a Code 3 decline.
  
  With the information in your complaint, we were able to locate the declined transaction in question and the Trace ID
  associated with it --- 14003100000365676080774 -- which was processed on a ******************* checking accountending in ****. TeleCheck issued a Code 3 decline for this transaction because TeleCheck had no history with any of its subscribing merchants or financial institutions in our system for your checking account. However, as a result of the information provided in your complaint, TeleCheck has made 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 

• Initial Complaint

  Date:02/27/2023

  Type:Billing Issues
  Status:

  ResolvedMore 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/TRS Recovery Services is wrongfully attempting to collect a debt I do not owe. On 12/12/2022, I paid $148.15 by personal check (#****) at ************* in *******, **. That check was cashed from my bank account. On 1/3/2023, the same check (#****) was again deducted from my bank account. I promptly contacted my bank (5/3 Bank) to dispute the erroneous deduction and the $148.15 overpayment was returned to my account on 1/24/2023. On 1/31/2023, I received a collection letter from TRS Recovery Services wrongly alleging that I have an unpaid balance with ******* in the amount of $148.15. I have provided all necessary documentation to Telecheck/TRS Recovery to document their error and prove that I do not owe any such amount to *******. Telecheck/TRS Recovery services is harassing me with threats of debt collection when in fact they unlawfully deducted money from my bank account constituting fraud and theft on their part and on *******'s agency. ******* has received proper payment. After having provided the necessary documentaiton to prove Telecheck/TRS Recovery's theft, and my steps to correct it, on 2/14/2023, I received a notice that Telecheck/TRS Recovery would not "reinvestigate" my dispute unless I provide additional personal bank account "information and documentation" that is irrelevant to the matter of their improper deduction of $148.15 from my bank account.I've called the provided **** numbers to no avail. This company refuses to acknowledge their error and instead has fraudulently shifted a burden-of-proof to me as the lawful check writer to remedy the problem they created. This problem has caused me tremendous stress and anxiety because of the inherent threat to my credit report associated with debt collection. The Telecheck/TRS Recovery Services reference number for this case is: 37230253725006.The Telecheck/TRS Recovery tracking number for this case is: 00494651.Supporting documents have been submitted to Telecheck/TRS.

  Business Response

  Date: 03/09/2023

  Dear ********************,
  TRS Recovery Services, **** (TRS) has received your BBB complaint regarding the above-referenced item which you believed
  the merchant processed twice. Our records reflect that you contacted our affiliate TeleCheck Services, LLC (TeleCheck) and
  they sent a letter dated February 14, 2023 requesting an unaltered bank statement showing five days prior and five days after
  the transaction posted to your account. We understand your frustration and apologize for any difficulty that you may have
  encountered in dealing with this matter.
  For background, our affiliate TeleCheck Services, LLC (TeleCheck) is a specialty consumer reporting agency and check
  warranty company who works with merchants like Wal-Mart who wish to accept payment by check or electronic check. When
  a check or electronic check transaction is accepted by TeleCheck at the point of sale, it warrants the item for non-payment,
  meaning it will pay the merchant for the returned item as part of its warranty, by doing so take ownership of the item, and then
  assign it to TRS for collection.
  That is what happened here. TRS records reflect that check number **** was written to Wal-Mart for $148.15 on December
  12, 2022. The check returned unpaid from a Fifth ********** checking account ending in ******** because of a stop
  payment ; once the item returned from the bank TeleCheck paid the merchant for the returned item, took ownership of the item,
  and assigned it to TRS for collection on January 25, 2023.
  At present time, our system reflects that you also submitted a dispute through TRS online portal on February 14, 2023 with a
  copy of your bank statement as proof that the transaction was processed twice. Based on this information, TRS has closed this
  item in our system; accordingly you have no responsibility for this debt. TRS system also reflects that TeleCheck mailed you a
  letter to you dated March 1, 2023 (enclosed), advising that it has also updated the status of this item in its database.
  If I can answer any other questions regarding these or any other items, please feel free to reach out to me directly at (678) 255-
  3427 or our ******************** at ************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET. Thank you for assisting TRS
  in maintaining the accuracy of its records.
  Sincerely,
  LaDrenda Black
  Collections Team Lead
  TRS Recovery Services, ****

• Initial Complaint

  Date:02/14/2023

  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.

  Suspicious unauthorized inquiry on my equifax credit report. I have not got a valid explanation of what this inquiry is for

  Business Response

  Date: 03/03/2023

  Dear ******************,
  Thanks for speaking with me on February 21, 2023 regarding the Equifax report screenshot that shows an inquiry from
  TeleCheck Services. As discussed in our conversation, TeleCheck does not report to any of the three major credit reporting
  agencies (Experian, Equifax, TransUnion). Rather, what was on your report was an inquiry made by TeleCheck to further
  assess risk on the underlying transaction.
  TeleCheck may utilize the services of other third-party vendors as part of its review of the risk associated with a potential
  transaction. In this case, TeleCheck submitted an inquiry to Equifax to assist in assessing the risk with opening a gaming
  account for FanDuel, which is also known as a soft inquiry. A soft inquiry is not a report and should have no effect on your
  credit score with that agency or others. As you will also note, the date shown on the Equifax report, October 18, 2022, matches
  the first FanDuel transaction submitted and accepted by TeleCheck.
  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 Answer

  Date: 03/06/2023

  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.
  
  This is a hard inquiry, not soft. I provided the screenshot attachment to show it is a hard inquiry on my credit report.
  
  Regards,
  
  *********************

  Business Response

  Date: 03/16/2023

  March 15, 2023
  ***************************
  9 ***********
  *********, ** *****
  RE: BBB Complaint No. ******** / ***************************
  
  Dear ******************,
  Thanks for speaking with me on March 6, 2023 regarding TeleChecks previous response to your complaint. We apologize for
  any inconvenience or frustration this inquiry has caused as that is certainly not our intention.
  With the information you previously provided, TeleCheck reached out to Equifax and in response Equifax notified us that the
  inquiry was erroneously processed as a hard inquiry instead of a soft inquiry. Equifax has corrected its system to note this
  change. We appreciate your bringing this issue to our attention and to ultimately have it corrected.
  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:02/13/2023

  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.

  [H363137**3238313831H transcription via mail, see attachment]In July of 2022, CVS Pharmacy in *********, **** sent my check for $36.84 to a collection Company. I have no idea why. I filled out check correctly, plenty of funds in bank to cover check I spoke to CVS + ************** No one could tell me why my check was sent to collections. I paid ************** and still I can not write a check at our grocery store (because of this H**3731353033323436H thing). Apparently I am in some sort of database now + it&#**;s keeping me from writing checks in certain places such as ******** Grocery ********* *****, **.

  Business Response

  Date: 02/22/2023

  Dear ************,
  TeleCheck has received your BBB complaint regarding check declines that you received at Buehlers Grocery. We would like to
  apologize for any inconvenience, embarrassment, or frustration these declines have caused as that is certainly not our intention.
  For background, TeleCheck is a check acceptance company and specialty credit reporting agency which works with merchants
  nationwide who wish to accept payment by check. For many merchants, TeleCheck also provides warranty services. As part of its
  services, TeleCheck evaluates, and processes check payments at the point of sale for its merchant clients by evaluating transactions
  against its database. If TeleCheck accepts a check, it guarantees payment to the merchant even if the check returns unpaid for some
  reason.1
  TeleCheck will decline a check when there are negative items associated with a check writer in its database (a Code 4
  decline) or when a statistical analysis of the check and the transaction indicates a greater risk that a check will not clear than a
  merchant is willing to accept.2
  In those instances, TeleCheck will issue a Code 3 decline.3
  
  Initially, we note the documentation you provided for the returned check transaction at CVS Pharmacy is now resolved in TeleChecks
  system, i.e., as paid in full, as of December 21, 2022.

  TeleCheck was initially notified that the check item was returned by the bank for the reason Refer to Maker. PNC Bank would need
  to provide further details regarding the return. Finally, TeleCheck will not be able to provide a refund for the return check fee. You
  will need to discuss a possible refund with PNC Bank.
  Turning to the Code 3 decline referenced in your complaint, we were able to locate the declined transaction in question and the Trace
  ID associated with it --- 14003100000363392314834
  -- which was processed on a PNC Bank checking account ending in 6945.

  TeleCheck issued a Code 3 decline for this transaction because the account had not built up sufficient history in our system (following
  the resolution of the above-referenced debt item) to support approving this transaction. However, as a result of the information
  provided in your complaint, TeleCheck has made some modifications to your information in our system that we believe will reduce
  the likelihood of future Code 3 declines. TeleChecks system does not indicate any check transactions since the declines at issue or our
  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

• Initial Complaint

  Date:02/09/2023

  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 purse was stolen out of my car in September 2022. I notified my bank and filed a police report immediately. My ** and checks and creditcards and phone were in the purse. I replaced everything by October. When I attempted to write a check that I had received from my bank- the check was denied by telecheck at checkout. I called telecheck immediately to see the reason my check was denied. I was told someone with a different ** number than mine had written a check from my account and didnt make payment. My bank refused to pay the check because the ** numbers not mine. I filed a dispute with telecheck for identity theft/unauthorized and explained the situation. I faxed over 9 different documents - my **, Voided check, Bank STatement, Tax Documents for my business, Business license, utility bill, police report for stolen purse, police report for identity theft, ftc report for identity theft. I was told at that point I need to wait 45 days for Telecheck investigation to conclude before they allow me to write any checks at the cashiers. When I attempted writing a check 50 days later- they denied it again. I called Telechek they told me they extended the investigation another week and another unauthorized check had been written and now I need to file another dispute on that check and wait another 45 days for that dispute. Ive contacted Telecheck atleast 30 times, spoken to 5 supervisors and submitted NUMEROUS disputes and COMPLAINTS about them denying me to write my own checks- with my **- at checkout- not ONE of my checks gets approved because of Telecheck denying them- but Telecheck approves every check someone else writes of mine and uses their own drivers license number for. Im the only one who cant write my own checks. This has been an ongoing situation since OCTOBER 2022. Telecheck denies my checks, extends all the disputes, I can't use my own checks but everyone else can. It's been 5 months telechecks had to investigate and won't let me write a single check.

  Business Response

  Date: 02/27/2023

  Dear ****************,
  TeleCheck has received your BBB complaint regarding your recent check decline at ************* Truck Stop as well as a
  request to remove disputed checks from your consumer history that you believe were the result of forgery, fraud, or identity
  theft. We would like to sincerely apologize for any inconvenience, embarrassment, or frustration that the decline or these debt
  items may have caused you as that is certainly not our intention.
  For background, TeleCheck is a check acceptance company and specialty credit reporting agency which works with merchants
  nationwide who wish to accept payment by check. For many merchants, TeleCheck also provides warranty services. As part of
  its services, TeleCheck evaluates, and processes check payments at the point of sale for its merchant clients by evaluating
  transactions against its database. If TeleCheck accepts a check, it guarantees payment to the merchant even if the check returns
  unpaid for some reason.1
  TeleCheck will decline a check when there are negative items associated with a check writer in its
  database (a Code 4 decline) or when a statistical analysis of the check and the transaction indicates a greater risk that a check
  will not clear than a merchant is willing to accept.2
  In those instances, TeleCheck will issue a Code 3 decline.
  Based on the information you provided, TeleCheck located the decline in question and the Trace ID associated with it ---
  14003100000364878192663
  -- which was processed on a Bank of the West checking account ending *******. TeleCheck
  issued a Code 4 decline because of several unpaid returned payments for different ******* locations. As part of our
  investigation, we reached out to ******* which provided TeleCheck with the enclosed electronic receipts.

  TeleCheck understands that you are aware of some but not all of these items. If after you review the enclosed validations, you
  believe these items were the product of forgery, fraud, or identity theft, please provide us any or all of the following
  documentation that best substantiates your claim:
  (1) a TSI Forgery/Identity Theft Declaration (form enclosed);
  (2) a completed FTC Identity Theft Report Affidavit available at www.ftc.gov; or
  (3) a completed bank affidavit or declaration listing disputed debts;
  (4) a police report identifying each of the specific transactions.4
  Please note the confidentiality of the information you provide TeleCheck is legally protected from unauthorized third-party
  disclosure. You may fax any of the above-described information to **************. If you have any additional questions for
  our affiliate TRS Recovery Services ******************* it can be reached at ************** or you can contact me directly
  as noted below.
  If on the other hand, you recognize these items as legitimate debts and you would like to make payment, please contact TRS
  Payment Center at ************** or you can mail a cashiers check or money order to the following address:
  TRS Recovery Services, ****
  PO ********************************************* 33075
  Please include the reference numbers on the payment to ensure posting accuracy. TeleCheck will assume you agree with the
  information in this letter, including the validations, and no longer dispute these items, unless you contact TeleCheck and
  provide an additional response or information for our review. In the interim, these items remain active in TeleChecks database
  until resolved, which may result in continued check declines at TeleCheck merchants and financial institutions.
  If you would like to request a copy of your TeleCheck File Report, please 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
  Consumer *********** at ************** to request we mail you a form.While we have done our best to respond to the issues
  you have raised, if you have any additional questions or concerns, please call me directly at ************** or 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 also review the
  following important notice below.

  NOTICE: If requested, TeleCheck will provide a description of the procedure used to determine the accuracy and completeness
  of the information and will include in it the business name and address of any furnisher of information contacted in connection
  with such information and the telephone number of such furnisher, if reasonably available. Please be advised that consumers
  have the right to add a statement to their file disputing the accuracy or completeness of the information contained therein. If a
  determination has been made that the disputed information was inaccurate or cannot be verified, the consumer has the right to
  request that TeleCheck provide notification of deletion or revision of the inaccurate or unverifiable information to any person
  specifically designated by the consumer who has, within two years prior to the date of such request received a consumer report
  for employment purposes, or within six months prior to the date of such request received a consumer report for any other
  purpose, which contained the deleted or modified information. If consumer files a statement of dispute, consumer has the right
  to request that TeleCheck provide a copy of the statement of dispute, or clear and accurate codification or summary thereof, to
  any person specifically designated by consumer who has, within two years prior to the date of such request received a
  consumer report for employment purposes, or within six months prior to the date of such request received a consumer report
  for any other purpose, which contained the disputed information.
  If disputed information has been deleted and is later reinserted in the file, TeleCheck will notify the consumer, in writing, of
  this action, within 5 business days of its occurrence.
  PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER
  ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK.
  

  Sincerely,
  *************************
  Consumer Resolution Services 051618V2INQ017
  Enclosures