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 has 17 locations, listed below.

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• 

  TeleCheck Services, LLC

  600 Vel R Phillips Ave Milwaukee, WI 53203

• 

  Telecheck

  300 State St Ste 404 Rochester, NY 14614-1019

• 

  Telecheck Services Inc

  8650 W College Blvd #200 Overland Park, KS 66210-0009

• 

  TeleCheck Services, LLC

  1600 Terrell Mill Rd SE Marietta, GA 30067-8302

• 

  Telecheck New Mexico

  4203 Montgomery Blvd NE Ste D Albuquerque, NM 87109

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:12/08/2022

  Type:Service or Repair 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.

  On 12/08/2022 telecheck declined my check at super saver grocery store in ************** ****. They also declined a check 3 weeks ago and 4 days ago. They have accepted 5 or 6 checks in between. Each time i called them they said its because i haven't established any history with them. I was told to wait 72 hrs after and try again. Super saver has been using telecheck for the past few months. I have been writing checks there for as long as i can remember. I dont recall any checks that have been declined untill telecheck. I dont believe i have ever written any bad checks there. Nothing more embarrassing than to pay for a cart of groceries and being told your check has been declined. As I'm writing this i have been on the phone with telecheck on hold for 46 minutes waiting for a supervisor to come to the phone. My guess is the representative i asked to talk to a supervisor is just waiting for me to give up and hang up. Thanks for letting me vette *******************

  Business Response

  Date: 12/16/2022

  IMPORTANT NOTICE:
  REFER TO TRACKING NUMBER
  485364
  IN ALL FUTURE CORRESPONDENCE 

   

  Dear ******************,
  
  Thank you for speaking with me on December 14, 2022 concerning the above complaint about the Code 3 declines you received at Super Saver which after we discussed you agreed was now resolved.
  
  During our call you provided us with the checking account that was receiving declines. With the information that you provided,  we were able to identify that the check numbers on the declined checks contained an extra number than the checks being approved.  You also contacted your bank and confirmed that the checks that were declined should not have been used,since they did not contain the proper bank numbers. Since the bank recommended to use the correct checks, and an order was placed with the bank for correct checks, and as a result this issue appears to be resolved.
  
  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

  Customer Answer

  Date: 12/16/2022

  [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,
  
  ***************************

  **** at telecheck was very thorough and was a pleasure to work with. He did his research, found the problem, and solution. Thanks goes to him for taking care of the problem in a timely matter.

  
  

• Initial Complaint

  Date:12/05/2022

  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.

  **************************************************. Paid by check. Telecheck denied my check, No reason to deny. Called my bank. Called telecheck to get it straightened out, get recording they may want my SS# and driver license, Spoke with three different people, all with thick accents, hard to understand. Had problem with same company years ago, Reported them back then, and thought problem was solved. They randomly deny checks if you write more than one check in the same day, or write a check to a location that you haven't wrote a check to.I am the only ***** on this checking account, and plenty money in the account, I shouldn't have to be subjected to anyone telling me when and where I can write a check on my own account. It is humiliating to be denied at the register, where others are waiting in line to pay for their items and can hear what is going on.

  Business Response

  Date: 12/13/2022

  IMPORTANT NOTICE: REFER TO TRACKING NUMBER 484968 IN ALL FUTURE CORRESPONDENCE

   

  Dear Ms. *******
  TeleCheck has received your BBB complaint regarding TeleChecks process for approving or declining checks. We would like to
  apologize for any inconvenience, embarrassment, or frustration any 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
  
  With the information in your complaint, we were able to locate the most recent declined transaction in question and the Trace ID
  associated with it --- 14003100000363145428424
  -- which was processed on a US Bank checking account ending in ****. TeleCheck
  issued a Code 3 decline for this transaction because the amount of the transaction or recent transactions indicated a level of risk not
  meeting the threshold for transaction approval. However, as a result of the information provided in your complaint, TeleCheck has
  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 decline 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,
  *************************

• Initial Complaint

  Date:11/17/2022

  Type:Sales and Advertising 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 repeatedly declined out ability To write checks with their Merchants. When Questioned they admitted we had no bad check history, no debts, no reason for decline. They refuse to correct the mistake and currently my business is barred from writing checks at telecheck merchants because of their own inaccurate reporting. They claimed to have fixed the problem but since then we have been further declined. We use checks for office supplies as we have very specific needs.

  Business Response

  Date: 11/30/2022

  
  IMPORTANT NOTICE:
  REFER TO TRACKING NUMBER
  482224
  IN ALL FUTURE CORRESPONDENCE 

  
  November 29, 2022
  
  
  *****************************
  PO Box 161198
  ******, ** 36616
  
  RE:         BBB Complaint No. ******** / *****************************
  
  Dear **************,
  
  TeleCheck has received your BBB complaint regarding multiple check declines that you received at Office Depot.  We would like to apologize for any frustration these declines may have caused.
  
  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.  For many merchants, TeleCheck guarantees payment for checks it accepts even if the check returns unpaid.  TeleCheck will decline a check if there are negative items associated with the transaction (a Code 4 decline) or when a statistical analysis of the check and transaction indicates an unacceptable risk that the transaction will not clear.  In those instances, TeleCheck will issue a Code 3 decline.1
  
  With the information in your complaint, we were able to locate a series of declines for the same transaction.  The Trace ID associated with one of those declines --- *********************** which was processed on a PNC checking account ending 3983.  TeleCheck issued a Code 3 decline for this transaction because of the check writing history and frequency of check writing associated with this checking account,the check number, and the check amount.  However,as a result of the information provided in your complaint, TeleCheck has made some modifications to your information in our system which we believe will reduce the likelihood of future Code 3 declines.  TeleChecks system does not indicate any check transactions since the decline 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 receive further declines, please call me directly at ************** or by email at **************************  You may also contact our ******************** at ************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET.  This would be the best time to reach a supervisor if additional assistance is necessary.
  
  PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK.
  
  Sincerely,
  
  ***************************
  Consumer Resolution Services
  
   
  
  
  1 For further information about TeleCheck or if you would like to request your TeleCheck File Report please visit: https://getassistance.telecheck.com/how-telecheck-works.html, or call TeleChecks ******************** at ************** to request that a form be mailed to you.
  
  2 The decline was issued at Office Depot on November 17, 2022, for a transaction in the amount $557.56 (check number 38220).

  
  

• Initial Complaint

  Date:11/16/2022

  Type:Customer Service 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.

  11/13/22 ********* Super Value I tried to cash a check and was told I could not. TeleCheck denied me. About 2 months ago telecheck ran a check of mine twice (same check, same date, same amount,ect)I made a dispute, and it took at least a month to take care of. *** because of something THEY DiD, I cannot cash a check. The check I cashed was good, the dispute was over a second unauthorized withdrawal.The fact that I have on a number of times tried to contact them and cannot get a live rep, nor can the businesses, tells me they are not worth having. They have now caused problems for me in a small town.This needs to be fixed and they do not answer their phones. NOR does their internet service work.Thank you ****

  Business Response

  Date: 11/29/2022

  November 29, 2022

  
  ***************************
  411 ********
  *********, ** 53964

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

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

  
  TeleCheck has received your BBB complaint regarding a check decline that you received at ********* Super Value. 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
  
  With the information in your complaint, we were able to locate the declined transaction in question and the Trace ID associated with it --- 14003100000362529732154  -- which was processed on a ******************* checking account ending in ****. TeleCheck
  issued a Code 3 decline for this transaction because the account had not built up sufficient history in our system 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 to 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.
  
  
  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:
  https://getassistance.telecheck.com/how-telecheck-works.html, or call TeleChecks ******************** at ************** to request that a form be mailed to you.
  4 The decline was issued at ********* Super Value on November 13, 2022, for a transaction in the amount $50.00 (check number 1993).
  
  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:11/09/2022

  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.

  October 28 2022 TeleCheck Services *** ********************************************************************************** ************************************************** On Octber 28, 2022 did withdraw ***** out of my checking, did not authourized this payment' I was unable to contact TelCheck at these numbers listed on the ' This is not a bill notice18776785898/fax ********** TeleCheck Trace ID *********************** This No. was on the This is not a bill letter sent to me

  Business Response

  Date: 11/22/2022

  *************************
  11100 ************
  ******,** 21678
  
  RE: BBB Complaint No ******** / *************************
  
  Dear ******************,
  
  Thank you for speaking with me on November 18, 2022. Based on that call, we understand that your issue has been resolved and no further assistance is required.[1]
  
  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 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
  
  
  [1] Please note the Trace ID provided with your complaint did not result in our locating a transaction at issue and when we spoke you did not provide additional information for us to research.
  
  
  

• Initial Complaint

  Date:10/31/2022

  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 September 3rd of this year, I wrote a check to ******* in the amount of $380.06. The check was accepted by *******, however my bank assures me that this check was never presented to them. Instead, Telecheck declined my check for some unknown reason and passed it on to a credit agency. Telecheck will not discuss the issue with me. They say it is in the hands of the credit agency now. The credit agency is demanding payment as well as a $35 non payment fee.

  Business Response

  Date: 11/22/2022

  November 18, 2022
  
  ***********************
  4433 **************
  ********* **, 21206
  
  RE:        BBB Complaint-********/ *********************
                Debt Reference Number 37-222513725431
  
  Dear ****************,
  
  TeleCheck has received your BBB complaint regarding multiple check declines you have received. I would like to sincerely apologize for the trouble you have encountered with these declines. As explained below, you received Code 4 declines due to an outstanding debt.
  
  As you know, TeleCheck is a check acceptance, processing and warranty company which works with merchants who want to accept payment by check. TeleCheck evaluates check payments at the point of sale by evaluating transactions against its database. TeleCheck will issue a check decline for two major reasons: (1) because of unpaid checks or bank account debt (a Code 4), or (2)based on a transaction risk (a Code 3 decline). If an item returns unpaid,TeleCheck will pay the merchant for the item and take ownership of it.
  
  The below-referenced transaction with ******* returned unpaid from the bank because of an account frozen status on a M&T checking account ending in ****.TeleCheck paid ******* for the unpaid item, took ownership of the item, and assigned it to its affiliate TRS Recovery Services, ***** for collection. Because this negative item remains unresolved in Tele Checks database, a Code 4 decline was generated when you attempted to pay by check at a TeleCheck subscribing merchant.
  
  As a courtesy, we have also enclosed validation for this item. Below is a summary of the active item in our database:
  
  Consumer Name Acct#
  (Last 4) ID#
  (Last 4) SS#
  (Last 4) Check # Original Creditor Check Date $ **** Current Status
  *********************** ******* N/A N/A 238 ******* No **** September 3, 2022 $380.06 Active
  
  To make payment, please contact our ************************** at **************. You can also mail a cashiers check or money order to TeleCheck Services, Inc. via its affiliate TRS Recovery Services, ***** at the following address:
  
  TRS Recovery Services, Inc.
  ATTN:  TELECHECK ADMINISTRATIVE RETURNS
  P.O. ******************************************************* item will remain active in Tele Checks system until resolved. 
  
  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 ******************** 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

  Date:10/23/2022

  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 wrote a check at Tractor Supply.The check was for ****** I have way more than enough to cover the amount.I have great credit , never bounced a check in my life .Well guess what it was declined.How embarrassing !I had to use my credit card.The denial was from telecheck.They **** !The store showed me a printed explanation. Good thing I don't need to use them for my business. I will be sure to share my negative experience from telecheck to as many people as possible. Telecheck you get an F

  Business Response

  Date: 11/04/2022

  November 4, 2022
  *************************
  16817 **************
  ********, ** 98292
  RE: BBB Complaint No. ******** / *************************
  Dear ******************,
  TeleCheck has received your BBB complaint regarding a check decline at Tractor Supply. I would like to sincerely apologize
  for the trouble you have encountered with this decline. Please note I tried reaching out to you at the phone number provided in
  your complaint (**************) 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.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.
  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.
  Please note all information you provide us is legally protected from unauthorized disclosure.
  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 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.
  
  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. For further information please visit https://getassistance.telecheck.com/how-telecheck works.html.  

   

  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: 11/04/2022

  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,
  
  *************************

   I reject your response.

  The first thing I did the following morning was go to my bank and tell them.

  I have an 800 credit rating , pay all my bills and have money in the bank.

  You system is flawed.

  My bank even said so.

  Your incompetence is sad.

  St

  Business Response

  Date: 11/16/2022

  November 15, 2022
  *************************
  16817 **************
  ********, ** 98292
  RE: BBB Complaint No. ******** / *************************
  Dear ******************,
  TeleCheck has received your reply concerning a check decline at Tractor Supply. TeleCheck takes complaints like yours
  seriously and regrets any inconvenience you encountered and wants to assist you but as explained we need more information.
  Please note that I have tried reaching out to you at the phone number provided in your complaint (**************) and left
  voicemail messages. If you would like to discuss this with me directly, please call ************** or reach me directly by
  email at ********************************.
  With further information we should be able to locate the decline in question and determine what steps if any we can take to
  lessen their chance in the future. Any or all of the below additional information should allow us to locate and address the
  transaction at issue:
  The denial record provided from Tractor Supply at the time of the check decline
  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.
  Please note all information you provide us is legally protected from unauthorized disclosure. Please understand that without
  locating the decline we will not be able to research the decline any further and possible corrective steps.
  If you have any additional questions or concerns, please call me directly at the contact information provided above.
  
  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:10/22/2022

  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.

  Check was posted to my account in payment for **** Club ... Telecheck cashed checked then tried to run check again through the bank and was denied and then I was sent to collections. When I notified them of the error they could in fact see that the amount was paid but refused to help me and said I had to dispute it through the collection agency .. Check electronic posted on Sept 6 2022 then again on Sept 21 2022.. ************ was horrible to deal with and the error was on there part ... Now this is on my credit record till they investigate the issue.. Very unhappy !!

  Business Response

  Date: 11/02/2022

  November 2, 2022
  ***********************
  120 ***************
  **********, ** 17325
  RE: BBB Complaint No. ******** / ***********************
  Debt Reference Number: 17123227
  Original Creditor: **** Club ****
  Current Creditor: TeleCheck Services, LLC
  Dear ****************,
  We received the above complaint. Thank you for raising your concerns. In response TeleCheck reached out to **** Club who has
  verified to us that their records now show that this debt has been paid. TeleCheck has modified this item to reflect as paid in full. 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
  *********************** ******* ************ Club **** July 21, 2022 $55.00 Modified
  Additionally, please note TeleCheck does not provide information to any of the three major credit reporting agencies (Experian,
  Equifax, TransUnion).
  
  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:10/22/2022

  Type:Sales and Advertising 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 July 5th, and again on September 6th 2022 money was withdrawn from my bank account by Telecheck, despite the fact that I have had no dealings with Telecheck themselves or the company they were working on behalf of ***************************.I reached out to Telecheck who completely failed to assist after they had facilitated the theft, and declined to help in any way.I was able to reverse the September transaction at the bank, but the July theft is unresolved.Given that the company has facilitated and encouraged the theft of my money, effectively telling the final recipients of the funds it was OK to commit the theft, I feel very strongly that Telecheck are primarily at fault.Their complete lack of help and utter dismissal of the issue leaves me both out of pocket and deeply distressed. I have no guarantee they will not repeat the offense in the future and I cannot get them to undertake to stop stealing from me.This has cost me so much, in addition to the money that has been stolen, the time, effort and emotional distress has been immense.

  Business Response

  Date: 11/04/2022

  November 4, 2022
  *****************************
  2828 ************
  ********, ** 34239
  RE: BBB Complaint No. ******** / *****************************
  Dear **********************,
  Thank you for speaking to me on October 26, 2022 and providing me with the identifiers needed to find the two debits that you
  stated were unauthorized. We would like to apologize for any frustration these debits may have caused.
  As we discussed, TeleCheck is a check processing company and specialty credit reporting agency which works with merchants
  nationwide who wish to accept payment by check. Some merchants can also allow a consumer to set up their checking account
  over the phone or through a website as a form of payment. When the checking account is selected as a form of payment the
  transactions are electronically processed like a check even though no check is actually involved.
  For your information and records, both items paid to ********** Card Services for $80.00 on July 3, 20221
  and September 3,
  20222
  were approved and electronically processed on an ******************** checking account ending in ****. As we
  discussed during our conversation, TeleCheck is unable modify approved transactions. These transactions would need to be
  disputed with your financial institution ********************. Please find enclosed with this letter copies of the electronic
  check authorizations we received from ********** Card Services as part of our investigation of your complaint and as
  validation of the above-referenced items.
  Additionally, per your request, a block was placed upon your checking account ending ****. This block will result in the
  decline of any check transactions processed through TeleCheck using the provided bank account number. This would include
  any checks presented as paper checks or processed electronically, including any companies such as ********** Card Services
  that allow your checking account to be setup for payment.
  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 ******************** 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
  Enclosures
  1 Trace ID for this transaction is 1400310000035907694876.
  2 Trace ID for this transaction is **********************.

• Initial Complaint

  Date:10/19/2022

  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.

  URGENT!!!! TeleCheck approved a check given to ** by a customer for a large amount (Trace ID: **********************; Approval Code: ****). Everything went through fine at the time and the money was deposited to our account, but three weeks later we find that the same amount had been deducted from our account! TeleCheck had the nerve to removed OUR money that they APPROVED. What is the point of an approval code, TeleCheck? What is the point of TeleCheck in general when 38-year customers are not insured in cases like this?? When we called TeleCheck's customer service, we are met with incompetent, unhelpful individuals who do NOTHING to solve the issue. They don't even have an e-mail to correspond with. This whole time we thought customer checks were secured when processing through TeleCheck...we were wrong. We need answers and the money deposited back to our account where it should always have been ASAP!!!

  Business Response

  Date: 10/20/2022

  Thank you for bringing the stated concerns to our attention.  We have investigated your complaint and located the transaction under Trace ID **********************.  Our records show the transaction was originally processed on 9/20/22, was approved and deposited to the *** on file on 9/22/22.  Please note that an approval code is based ONLY on the checkwriter's history and NOT if there are funds in their bank account.  We have no knowledge if a check is going to return or not.  We show the check returned from the checkwriter's bank on 9/24/22, was redeposited on 9/29/22, returned again on 10/4/22, redeposited again on 10/13/22 and returned on 10/18/22 where the checkwriter placed a stop payment on said check.  Due to the stop payment, this was charged back to you.  There is no recourse through the warranty process due to a stop payment.  Please note that this now has become a civil matter between you and the checkwriter ************************ 

   

   

  Customer Answer

  Date: 10/20/2022

  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.
  
  We have done business with Telecheck for 38 years, and never once when receiving an Approval Code, was a check EVER returned to us. Stop payment, insufficient funds, or account closure or not. We do not accept this response as Telecheck is directly responsible. Once you give an Approval, you need to ensure we get paid, you need to go after ************************ 
  
  Regards,
  
  *************************

  Business Response

  Date: 10/26/2022

  As stated in our previous response, TeleCheck does not give approval codes based on funds in the check writer's bank account but rather the check writing history of the Individual issuing the check.  Please note that we have no knowledge or control over a check returning and in this instance, where a stop payment is involved, it becomes a civil matter between you and the check writer.  Our records show this account was opened in 2018 utilizing the Clover device and when downloading the service, the Terms & Conditions were displayed and you accepted that you acknowledged and understood how TeleCheck is used.  While we understand you may disagree with our response, there is no recourse via the warranty process and can offer no additional insight or assistance with respect to recovering the chargeback amount.  We consider this matter to be resolved and closed.

  Customer Answer

  Date: 10/27/2022

  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.
  

  No, this is not closed until we recoup the money stolen from our account by Telecheck. We will escalate this beyond BBB. 

  
  Regards,
  
  *************************

  Business Response

  Date: 10/31/2022

  As stated previously, the only recourse is working directly with the Checkwriter.  This is no different than getting a chargeback on your merchant account with a credit card.  We have no control over the stop payment being placed on the check. Please note we also received your CFPB complaint and will be responding accordingly.

  Customer Answer

  Date: 10/31/2022

  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.
  

  In the almost four decades we've worked with TeleCheck, we were never presented with any separate options to ensure payment from Telecheck if the Checkwriter closes their account due to fraud, etc. or stops payment. We were always assured by Telecheck that an approval code meant a check was safe to accept, and should anything happen, we would receive the funds from Telecheck. Show us the contract that states otherwise or that we were presented with additional options or add-ons to combat an issue like this. We most certainly were not. 

  
  Regards,
  
  *************************