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.

close

Find a Location

TeleCheck Services, LLC has 17 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  TeleCheck Services, LLC

  600 Vel R Phillips Ave Milwaukee, WI 53203

• 

  TeleCheck Services, LLC

  PO Box 979 Brookfield, WI 53008-0979

• 

  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

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:10/17/2022

  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.

  This company is incompetent. Excuses is all they spew. I've had checks within the last year at ******* that took a week or 2 to make it through my bank (not because of lack of funds). 9-20-22 I forgot a check was outstanding from shopping at *******. This incompetent company hit my bank 5 times in one day on 9-22-22 trying to get payment. 5 times in one day? Yes! Then didn't try there after, till I made phone calls to *******, to pay what I owed. This scam company tacked on insufficient funds of $30.00 for not paying on 9-22-22 for $58.98 that I owed. They're a rip off. ******* wanted to help me, but this scam incompetent company didn't. My conversation was not good or polite to them. Hitting my bank 5 times in one day was uncalled for. Excuses are for rearends - that's all they are. They never contacted me through mail or phone calls. They just wanted to bounce my check like a basketball 5 times in one day so they could collect fees from me for a bounced check. I don't want to hear from these fools at all. I already know what their about and none of it is good. This rip-off place should be shut down due to the way they scam people. The only service they provide is to benefit themselves through hitting those of us less fortunate.

  Business Response

  Date: 10/31/2022

  
  IMPORTANT NOTICE:
  REFER TO TRACKING NUMBER
  477553
  IN ALL FUTURE CORRESPONDENCE 
  October 31, 2022
  
  
  ***********************
  16481 ****************************
  ********** ** 54876
  
  RE: BBB Complaint No. 18226895-11734213/ ***********************
  
  Dear **************,
  
  TeleCheck has received your complaint. We would like to apologize for any inconvenience these issues may have caused.
  
  While we understand your frustration, we need a little more information to help us locate the specific accounts in our system so we can help resolve your concerns. With this information, we should be able to locate any account information relating to your identifiers. Any or all 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
  A copy of your social security card; or
  A copy of a voided check from the any accounts 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 ******************** 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:10/13/2022

  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.

  Telecheck is claiming I had a bounced/unpaid check written at a local convivence store. I checked with my bank who stated the check cleared and there was more than sufficient funds in the account. To dispute a claim with Telecheck you have to fill out a form and wait for them to get back to you. When I finally heard back from them they needed additional information which was a copy of the check and the bank statement showing the balance 5 days prior to the transaction and 5 days after the transaction. I mailed all the information in and I just received a letter stating that they denied my dispute. Even though there was more than enough money in the account when the check CLEARED the bank and I had the documentation to prove it. The only number provided to actually talk to someone is the department that takes your money. They say well that's a different department and we can't do anything about it. However, there is NO number to call to dispute all of this nonsense. I will be contacting an attorney. If it costs me five times the amount of the check that CLEARED the bank, it will be worth it. This is the biggest sham of a company that I've ever seen. It's a shame that people have no choice but to deal with a company like this.

  Business Response

  Date: 11/04/2022

  November 4, 2022
  *************************
  5000 *************
  *******, ** 41143
  RE: BBB Complaint No. ******** / *************************
  Debt Reference Number 19-222021925004
  Original Creditor: Zip Zone #8
  Current Creditor: TeleCheck Services, LLC
  Dear ******************,
  TeleCheck has received your BBB complaint regarding a check written to Zip Zone that was returned, which you believe was already
  paid. As explained below, TeleCheck has closed this item in its system and returned it to the merchant due to the merchant not
  providing validation of the debt.
  The item above was processed July 15, ************************************************************************ ****. TeleCheck
  was notified of this item on July 21, 2022, paid Zip Zone for this item, paid the merchant as part of its warranty to this merchant, took
  ownership of this item, and then assigned it to its affiliate TRS Recovery Services, **** for collection on July 21, 2022.
  As part of its investigation of this complaint, TeleCheck sent a validation request for the transaction, but Zip Zone did not provide the
  documentation needed within the required timeframe. As a result, TeleCheck has closed this item in its system, returned it to the
  merchant, and as a result this item is inactive in our 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
  ************************* ******* *********** Zone 8 July 15, 2022 $112.25 Inactive
  We note you previously attempted to resolve this item with us. However, the bank statement provided did not include a sufficient time
  frame to allow us to determine whether the check had not returned from the bank. We do 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

  Customer Answer

  Date: 11/04/2022

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

• Initial Complaint

  Date:10/02/2022

  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.

  My bank, ************ stopped payment on 100 checks I had ordered, due to they got lost in the mail. The agent that stopped payment, mistakenly stopped payment on check #****, which was the new checks she ordered for me. I wrote check #**** to ******* for $32.45, and it was accepted, but when I when a wrote check #**** to ******* in the amount of $64.94, it was declined by Telecheck. I called to see why, and discovered check #**** had been returned due to the bank had stop payment. I paid Telecheck $32.45 right away. I called Telecheck after the amount was posted to my credit card, to make sure I would be approved to write a check to *******, and I was told I had been cleared, so I could write a check to *******. I wrote check #**** on 9/26/22 for the amount of $46.18, and again Telecheck declined it with a code 3. I wrote a check to Target on 9/26/22, and to Office Depot on 10/01/22, both were declined with a code 3. I called Telecheck and was told because of the sequence of the checks, I was high risk like fraudulent activity. I explained to Telecheck why the sequence had advanced 100 over, because of the bank voided *********************************** the mail. They are treating me like a criminal. I am a law abiding citizen with very good credit. I have been writing checks to ******* on the same account for over 40 years, with not issues. Please help me to clear my account. The routing number is ********* and the account number is 000*******. I can also be reach on my cell phone, ************. Thank you in advance for your help.

  Business Response

  Date: 10/18/2022

  October 18, 2022
  *************************
  *****************
  RE: BBB Complaint No. ******** / *************************
  Dear **************,
  TeleCheck has received your BBB complaint regarding check declines that you received at ******* and Office Depot. 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 most recent declined transaction in question and the Trace ID
  associated with it --- 14003100000361370924204
  -- which was processed on a *********** checking account ending in ****. Our
  research reflects that the issues with your account did begin when *********** inadvertently returned a check. While you did
  immediately correct that, this triggered TeleCheck to issue a Code 3 decline for this transaction because the check writing history was
  then outside TeleChecks parameters as well as a high level of activity. Please note that in response to your complaint, we made some
  modifications to your information in our system which we believe should reduce the chance of future Code 3 declines. Our records
  reflect no check transactions with TeleCheck merchants since we made those adjustments.
  
  While we have done our best to respond to the issues you have raised, if you have any additional questions or concerns, or if you
  experience any other declines, please call me directly at ************** or by email at ************************** You may also
  contact our ******************** at ************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET. This would be the best time to reach a
  supervisor if additional assistance is necessary.
  
  PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER
  ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK.
  Sincerely,
  *************************
  Consumer Resolution Services
  

  1 While a merchant remains free to accept a check even if TeleCheck declines to accept it, TeleCheck will not provide a warranty.
  2 A Code 3 is not reported to third-party consumer reporting agencies and in no way reflects negatively on a consumers credit status.
  TeleCheck does not have access to a check writers account and does not verify account balances as part of the processing services it
  provides.
  3 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 Office Depot on October 1, 2022, for a transaction in the amount $20.24 (check number 9667).

  Customer Answer

  Date: 10/20/2022

  Thank you for your immediate resolution.  Please do not included my routing and bank account numbers in your online complaints.  I am satisfied with the resolution with Tele Check.  Again than you.
  
  *************************
  

• Initial Complaint

  Date:09/26/2022

  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.

  I used a check to pay my bill at ******** but this company stated there was a issue with my checking account and denied my payment. I immediately called my bank that confirmed nothing is wrong with my account and I had plenty of money to cover my purchase. My husband and I have separate accounts, and both have received insufficient funds charges on our accounts. I want these fraudulent fees removed.

  Business Response

  Date: 10/12/2022

  IMPORTANT NOTICE: 
  REFER TO TRACKING NUMBER 
  474525 
  IN ALL FUTURE CORRESPONDENCE 
  
  October 12, 2022 
  
  **********************;
  1850 ********* 
  ******** **, 62341 
  
  RE: BBB Complaint No. 18128506-11695555/**********************;
  
  Dear ************, 
  
  TeleCheck has received your BBB Complaint regarding declines you may have received at ******** Please note I tried reaching you twice and left a voicemail message each time requesting more information. If you would like to discuss this, which is usually the easiest way to resolve issues like this, please call ************** or email me directly at **************************************. 
  
  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. 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). 
  
  Unfortunately, we need a little more information to help us locate the specific accounts in our system so we can locate the source of the declines and help resolve your concerns. The most critical piece of information is the specific account and routing number on the check that was declined. Alternatively, the following may be sufficient. 
  
  A copy of your drivers license or other state-issued identification 
  A copy of your social security card; or 
  A copy of a voided check from the any accounts in question. 
  
  Please note all information you provide us is legally protected from unauthorized disclosure. 
  
  You may want a copy of your TeleCheck File Report which would show checking transaction, including both approvals and declines, process at TeleCheck subscriber merchants. You can request one online at: https://getassistance.telecheck.com/consumer-file-report/, , from me on the telephone, or you can send a request by mail to: TeleCheck Services, Inc., Attention: Consumer Resolution Services, P. O. ***********************************************. Please note that because TeleCheck stores data using certain identifiers (ie account number, DL etc.) we will need identifiers from you to prepare your report.  
  
  Again, you may contact me directly at the contact information provided above in response to this letter or with further questions. 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, 
  
  ****** Bartles 
  Consumer Resolution Services 

• Initial Complaint

  Date:09/09/2022

  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.

  I have been writing business checks for 6 years. I have been building a house and have wrote over 400K in checks in the last year. I have never had an issue writing a check for 10K to 60K. I ran out of checks so I did what any normal person would and got new checks.(same account, I have done so many times in the last 6 years and never had a check declined. I got my new checks (same account) and telecheck declined 3 different checks to 3 different stores over 2 months. I look like an idiot when it is declined. When I spoke to Telecheck they told me I have NO check writing history because I got new checks and the numbers must be different. That makes no sense because my checks can't be linked to the same account. The guy said he updated my account. I just had another check declined for ****** and the reason is I have no check history. I asked where it went and the girl became a robot repeating the same thing over and over. She also told me that Telecheck does not decline my check it is the store. What I want to know is HOW is the h*** can I go from writing 60K checks 30K checks and all of a sudden my check writing history vanished. Seems like a major GLITCH in the system. I am ready to bring a lawsuit unless I am compensated for losing all of my information, the humiliation from being declined repeatedly and not allowing me to conduct my business by denying all of my checks even though I have over 60K in the account.

  Business Response

  Date: 09/26/2022

  IMPORTANT NOTICE: 
  REFER TO TRACKING NUMBER 
  472111 
  IN ALL FUTURE CORRESPONDENCE 
  
  September 22, 2022 
  
  *******************;
  13606 ************* 
  ********** ** 53151 
   
  RE: BBB Complaint No. 18002172/*******************;
  
  Dear **************, 
  
  TeleCheck has received your BBB complaint regarding recent check declines. I tried reaching you twice and left voicemail messages each time requesting more information. If you would like to discuss this, please call ************** or email me d at **************************************.
  
  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. 
  
  We have reviewed and researched our system with the information you provided with your complaint. That account shows no declines. Using that information, we did locate what we believe is the account which you were declined but need you to confirm this information. Once you confirm it, we should be able to migrate transaction information from the one bank account to the other to reduce the chance of future check declines. Accordingly, to best assist you please provide the old routing and account number, so we can determine if a migration would be warranted here. Please note all information you provide us is legally protected from unauthorized disclosure. 
  
  If you have any other identifying information for which you would like to request a copy of your TeleCheck File Report (TFR), you can request one online at: https://getassistance.telecheck.com/consumer-file-report/ or you can send a request by mail to: TeleCheck Services, Inc., Attention: Consumer Resolution Services, P. O. ******************************************************************* 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 the contact information provided 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, 
  
  ****** Bartles 
  Consumer Resolution Services 

• Initial Complaint

  Date:08/23/2022

  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 7th, 2022 I was trying to pay my bill through Sprint and Telecheck declined it. The company claimed the check was declined and could not inform me with a reason why. When I threatened to file a complaint with the Better Business Buearu, suddenly the check went through when I paid it again. Now today, August 23rd, 2022, the same thing happened again. I called Telecheck and spoke with a represenative na med ***** who laughed, finding it funny when I questioned why my check was declined. As I type this out, I am speaking with a Telecheck resprenative named **** Everytime I call, Telecheck claims it is not them, but immediately afterwards the payment goes through when I threaten to file a complaint against them. These people are making it difficult for me to pay my bills. I've had my account with Sprint for nearly 10 years and not once was a check ever declined nor was a bad check ever written. I've had this account for over 10 years as well and I've never written a bad check. I have always paid my bills on time. They are causing harm to my livelihood and unnecessary stress.

  Business Response

  Date: 09/13/2022

  IMPORTANT NOTICE: 
  REFER TO TRACKING NUMBER 
  469599 
  IN ALL FUTURE CORRESPONDENCE 
  
  September 13, 2022 
  
  *****************************;
  249 *********** 
  ******, ** 36301 
  
  RE: BBB Complaint No. ******** / *****************************;
  
  Dear ******************, 
  
  TeleCheck has received your BBB complaint regarding check decline at Sprint. Thank you for speaking with me on August 26, 2022 and providing me with the bank information needed to find your transactions. As discussed on our call, TeleChecks records reflect no Sprint transactions were declined by TeleCheck (or anywhere else for that matter). We believe this now resolves your concerns.
  
  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  
  
  

  Customer Answer

  Date: 09/14/2022

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

  
  

  As I stated to you, both of my checks were declined. ******** and Sprint both vouched that TelaCheck declined the checks. Sprint and ******** do not decline checks, it goes through Telacheck's system to be approved or declined. I also have a recording where ********* stated "Your check was declined. Please call TelaCheck," then it gave your number. Put simply, stop declining my checks for no reason. You decline my checks, but as soon as I call, they suddenly go through. Fix the glitch in your system.  I have excellent payment history and never had a check decline. I don't write bad checks.  Just like when you kept claiming you lost my checking account number and called trying to get it several times. If you are so professional, how could you lose my account number? That tells me that I am not safe with you because you misplaced my personal information. That is unprofessional and unreliable. 

  Business Response

  Date: 09/30/2022

  IMPORTANT NOTICE: 
  REFER TO TRACKING NUMBER 
  472882 
  IN ALL FUTURE CORRESPONDENCE 
  
  September 28, 2022
  
  *****************************;
  249 Folosom Rd 
  Dorthan, ** 36301 
  
  RE: BBB Complaint No. 17759612-11643857/ *****************************;
  
  Dear ******************, 
  
  TeleCheck has received your BBB complaint regarding check declines received at ******** and Sprint. I would like to sincerely apologize for the trouble you have encountered with these declines. Please note I tried reaching out to you twice to confirm your bank account number. I left a message on the first attempt and, spoke to your son on the second attempt and provided him my contact information. If you would like to discuss this, please call ************** or email me at ************************** 
  
  We have reviewed and researched our system with the information you provided with your complaint. While we understand your frustration that we have reached out to you again for bank account information, these calls were made to help us locate the specific accounts in our system so we can help resolve your concerns. We remain ready to assist you when you wish to provide us information to further research this matter. Please note all information you provide us is legally protected from unauthorized disclosure. 
  
  If you have any other identifying information for which you would like to request a copy of your TeleCheck File Report (TFR), you can request one online at: https://getassistance.telecheck.com/consumer-file-report/ or you can send a request by mail to: TeleCheck Services, LLC, Attention: Consumer Resolution Services, P. O. ******************************************************************* 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 ******************** 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, 
  
  ****** Bartles 
  Consumer Resolution Services 

• Initial Complaint

  Date:08/18/2022

  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.

  This issue with ******* started July 1st 2020 wrote a check, when i got home i relized I forgot my check at the register. Icalled them right away ( 30 minutes )to get home. They did have my checkbook. Told them I was on my way to pick it up again (30 minutes). I get there they don't have the checkbook they said they shredded it !Had a big dispute with the managers and then filed a complaint with ******* Ref# ************ lost a whole day of work the next day at the bank to open a new account with the fraud department and the bank.The fraud **** said they don't know how many people touched my checkbook or took pictures of it so to be on the safe side we opened a new account. I close the old account within the 30 day grace ******** ******* took my check out twice fraud department fixed it does and the dispute still continues. Telecheck will not allow me to write checks from my new account because of *******. I just sent Telecheck ************* all my paperwork via fax to straighten out the problem this is embarrassing!! I can't even write a check . The aggravating factor I Lost a days pay ,******* managers gave me a $30 gift card for my inconvenience. This is a joke in my opinion. They also don't keep personal information like this checkbook incident under lock and key. It is out there for everybody ..to see. I have lost my patience with ******* and telecheck and still can't write a check Telecheck said it would take at least 30 days ! Ridiculous that I have to suffer The consequence of *******. I hope between sending the fax to telecheck and sending this to you I can get this resolved.Thank You

  Business Response

  Date: 08/26/2022

  Dear **************,
  TeleCheck has received your BBB complaint which referenced a prior complaint (Case ******) regarding a claim your July 1,
  2022 transaction at ******* for $97.55 was processed twice. Please note I tried reaching out to you at the phone number
  provided in your complaint (**************) on August 23 and 26, 2022 to request an unaltered bank statement showing five
  days before the transaction and five days after the transaction, i.e., June 25-July 6, 2022. Unfortunately, I was unable to reach
  you and left a voicemail on both attempts. If you would like to discuss this with me directly, please call me directly (240) 849-
  5100 or reach me directly by email at **************************
  Please note that the bank statement we did receive was insufficient because (1) the statement did not include information five
  days prior to the July 1, 2022 transaction and (2) it was significantly altered, i.e., heavily blacked out. Unless we can see the
  unredacted bank statement and confirm whether the payments were reversed, we cannot initiate an investigation into your
  claim, resolve this item, or if applicable, issue you a refund. 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.
  
  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: 08/29/2022

  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.
  
  

  Dear ******,
  Re: Case #****** Check for $97.55
  Unfortunately, on August 23rd I never received your message. Today, August 26th, I did receive your message and returned your call, leaving multiple voicemails at ************. I am sorry we never connected. 
  Regarding paperwork that was sent via fax included the documents sent to you was the canceled check front and back of the issue in question. When doing this I sat down with the bank manager at TD Banknorth (******, **). She suggested blocking out information not needed for this issue including the account number. The information included should have been sufficient to resolve the problem at hand. 
  After receiving your voicemail this morning Friday, August 26th, I made an appointment with the bank to give me what you requested five days before and five days after. I hope this clears up the matter. 
  As far as accounts that are blocked out, in the previous papers, this information does not pertain to this issue and will need to remain blocked out for security purposes.
  I look forward to hearing from you regarding further status of this issue.
  Sincerely,
  *********************
  
  

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

  Business Response

  Date: 09/14/2022

  September 14, 2022
  *********************
  292 ********
  *********, ** 06111
  RE: BBB Complaint No. ******** - *********************
  Debt Reference Number 37-222013725021
  Original ***************** ****
  Current Creditor: TeleCheck Services, LLC
  Dear **************,
  Thank you very much for working with us to provide additional information about the above item. With this, we have been
  able to confirm that the item was double-processed and we have updated our system to reflect this.
  Below is a summary of the item in our database:
  Consumer
  Name
  Acct#
  (Last 4)
  ID#
  (Last 4)
  SS#
  (Last 4)
  Check # Original Creditor Check Date $ *** Current
  Status
  ********************* ******* ******* N/A **** ******* **** June 30, 2022 $ ***** Inactive
  We believe that this should resolve the issue.
  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

• Initial Complaint

  Date:08/18/2022

  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.

  Case # ******* My banking account it was afraid on my account ******* from In south bank will be giving me a statement letting you all know my account was closed before the items was purchase and delivered from Amazon I didn't order or received none of those items I will be sending in a statement soon from my bank

  Business Response

  Date: 08/26/2022

  Dear **************,
  TRS Recovery Services, **** (TRS) has received your BBB complaint regarding an item that *** have been assigned to us for
  collection. However, we are unable to retrieve any items from our database based on the limited information you provided.
  We want to promptly assist you in locating or correcting any inaccurate information in our systems but we need a little more
  information to locate any item or to conduct an investigation. Any or all of the following pieces of identifying information will
  allow us to search our records more thoroughly and we should be able to initiate reinvestigation promptly to address your
  concerns:
  o A copy of notice received from TRS
  o Any reference number received on a TRS letter
  o Bank routing/account number for all records at issue
  Please fax this information to ************** for further investigation and resolution. Please be assured that information you
  provide TRS is legally protected from unauthorized disclosure. If you have any additional questions, please contact me
  directly at ************ or you can reach our ******************** at ************** Monday-Friday 8:00 a.m. to 5:00 p.m.
  ET.
  PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER
  ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TRS.
  Sincerely,
  *****************************
  TRS Recovery Services, ***

• Initial Complaint

  Date:07/28/2022

  Type:Product 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.

  Hi, on June 24, I paid for groceries at a store (Grocery Outlet) in *****, ********** with a check for $55.68. The check was processed through a company called TeleCheck Services. On June 28, TeleCheck removed the $55.68 from my checking account at the ***************************. HOWEVER, the company has never to date given the money to the Grocery Outlet store,where I purchased my groceries. On July 15, I went into Grocery Outlet to purchase groceries. When I went to pay with a check, I was told I could not cash a check there because the store had not been paid for my previous groceries and I was VERY embarrassed. This is because TeleCheck has not paid Grocery Outlet. I went in and met with the owners and they told me TeleCheck had not paid them. TeleCheck needs to give Grocery Outlet the money they took from my checking account. My check number was ****. The TeleCheck reference ID is ****. I can furnish additional information upon request.

  Business Response

  Date: 08/12/2022

  August 12, 2022

  
  *****************************
  1295 **************
  *****, ** 95376
  RE: BBB Complaint No. ******** / *****************************
  

  Dear ******************,
  Thank you for speaking with me on August 3, 2022 and providing me with the identifiers needed to find your transaction. The Trace ID associated with the transaction at issue --- ***********************-- was processed on an ****************** checking account ending in ****. This transaction was approved by TeleCheck, and we have confirmed that the funds were deducted from your bank account. I have confirmed with our relationship team that payment for the check was credited to Grocery Outlet on June 29, 2022.
  I do apologize for any inconvenience you experienced on July 15, 2022 at the Grocery Outlet. We can only repeat that we credited them for your earlier check on June 29. Moreover, anytime a merchant has an issue like this, we usually resolve it without impacting consumers. It does seem, however, that any issues have now been resolved as we show check approvals at various locations including Grocery Outlet.
  

  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 ******************** 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: 08/26/2022

                                  Thank you for checking w/ me. Yes, the complaint has been resolved.   Best regards,  *************************

• Initial Complaint

  Date:07/28/2022

  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.

  See attachment
  Click here to Get the File - use the Password: 16B97581
  https://bluecomplaints.bbb.org/attachment/?c=17631161

  Business Response

  Date: 08/15/2022

  Dear ************,
  TeleCheck has received your BBB complaint regarding a check decline. I would like to sincerely apologize for the trouble you have encountered with this decline. If you would like to discuss this with me directly, please call me directly ************** 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 declines 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. Given the description of the problem it may be related to the fact that you are using a new account number.3 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 ******************** 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-telecheckworks.html.
  3 While TeleCheck can decline to accept a check transaction it cannot cancel a bank account and has nothing to do with
  payments by credit or debit cards
  IMPORTANT NOTICE:
  REFER TO TRACKING NUMBER
  465938
  IN ALL FUTURE CORRESPONDENCE
  3 ************************
  **********, ** 21740
  
  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