Complaints

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

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• 

  TeleCheck Services, LLC

  600 Vel R Phillips Ave Milwaukee, WI 53203

• 

  Telecheck

  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:09/17/2024

  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.

  This is a complaint about Telecheck. We are a business and we write checks on a daily basis all over town. The Dollar Tree uses Telecheck and most every time we go there to write a check, they decline us which causes major difficulty for us as a business. I have called Telecheck on the spot at least twice and they've allowed the check to process, but this is a repeated practice by them. When a member of our staff is there writing the check, they do not have time to waste calling Telecheck from the store. They have to get back to work ****. I shouldn't have to contact Telecheck every single time someone tries to write a check at a Dollar Tree. This is stupid, it's inconvenient and unfair. Do better!

  Business Response

  Date: 09/26/2024

  IMPORTANT NOTICE: 
  REFER TO TRACKING NUMBER 
  591215 
  IN ALL FUTURE CORRESPONDENCE 
  
  September 26, 2024 
  
  ***** Thompson 
  c/o ****** Robinsons Boys Home 
  ********************;
  ******, LA 71202 
  
  
  RE: BBB Complaint No. ******** / ***** ***************************************************************** you for speaking with me on September 20, 2024 regarding your recent check declines at Dollar Tree. As discussed on the call, these checks received Code 3 declines, in part, because of a high level of recent activity. Based on the information you provided, TeleCheck has made some modifications to your information in our system which we believe will reduce the likelihood of future Code 3 declines. 
  
  We believe this resolves your issue, but if you have any additional questions or concerns, please call me directly at *************** or by email at ************************** You may also contact our ******************** at ************** 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, 
  
  ******* Baker 
  Consumer Resolution Services 

• Initial Complaint

  Date:09/14/2024

  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.

  ********* has continued to decline my checks blocking me from buying groceries for my family. The reason for the decline is not enough check writing history. This is the same checking account used for over ***************************************************************** the account. I previously have written 3-4 checks a day when shopping for groceries sales to feed my family. They said I can now write 1 check every 1-2 days. My credit score is above 800 and there has never been an issue except the last month they started this.

  Business Response

  Date: 09/26/2024

  IMPORTANT NOTICE: 
  REFER TO TRACKING NUMBER 
  591212 
  IN ALL FUTURE CORRESPONDENCE 
  
  September 26, 2024 
  
  ****** Best 
  ***************************;
  ******, ** 77630  
  
  RE: BBB Complaint No. ******** / ****** *********************************************************** you for speaking with me on September 20, 2024 regarding your complaint. As discussed during our call, TeleCheck issued code 3 declines because your new printed checks had extra zeroes in the checking account number, causing Code 3 check declines as the new account did not have sufficient history in our database to approve those transactions. During the call, I had your check history from the old checking account migrated to the new checking account number provided. Our records do not show any transactions attempted at any TeleCheck merchants since those adjustments were completed. 
  
  We believe this resolves your issue, but if you have any additional questions or concerns, please call me directly at ************** or by email at ************************** You may also contact our ******************** at ************** MondayFriday 8:00 a.m. to 5:00 p.m. ET. This would be the best time to reach a supervisor if additional assistance is necessary. 
  
  PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK. 
  
  Sincerely, 
  
  ******* Baker 
  Consumer Resolution Services 
  
  

• Initial Complaint

  Date:08/30/2024

  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.

  On March 16, 2024 I submitted a complaint under number ******** related to the unwarranted decline of checks I had presented for payment at ***** due to their use of Telecheck LLC to authorize acceptance of my checks. As explained in my prior complaint, I have shopped at *****, using checks from these same accounts and have never had any issues, until ***** decided to implement their "new system" at one particular location in the *****, ID area. In response to my complaint, on March 27, 2024, Telecheck assured me that the issue had been resolved for the three accounts that I challenged them on. After that point I was able to use a check at this Winco for one of the accounts. I then returned to this Winco on my way home on August 16, also late at night (10:55pm) and when I presented a check from one of these accounts, it was again declined with a reason code 3. As before, I did not have cash, so I left my cart of groceries, and proceeded to the usual Winco that I normally go to that does not use the "new system" with Telecheck. There I proceeded to re-gather my groceries and presented the check that was presented less than an hour earlier at the Winco that does use Telecheck. The check was processed just fine, and I even received $2.48 back since the pre-written check was for more than the items I picked up at the second Winco. Telecheck has previously stated that they had fixed the issue, which apparently is not the case. They had no reason again to reject my payment and waste my time, which to me is valuable. They have also said that the manager could have taken the check, but what manager will do that when a supposedly reliable company wouldn't take it. Needless to say, I am not surprised with their incompetence given the number of complaints filed by customers; however, I am surprised that companies like ***** will still do business with them. If Telecheck were fined for every reason code 3 that they issue for valid checks this wouldn't happen.

  Business Response

  Date: 09/16/2024

  IMPORTANT NOTICE: 
  REFER TO TRACKING NUMBER 
  589800 
  IN ALL FUTURE CORRESPONDENCE 

  September 13, 2024 

  ******** Salwasser 
  ***************************;
  *****, ID ***** 

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

  Dear *** *********,  

  TeleCheck has received your BBB complaint regarding check declines that you received at WinCo. We would like to apologize for any inconvenience or frustration these declines have caused. We are sorry that WinCo provided incorrect information regarding reaching TeleCheck as our call center is open 24 hours a day.

  For background, TeleCheck is a check acceptance and check processing company which works with merchants nationwide who wish to accept payment by check. For many merchants, TeleCheck also provides warranty services.
  As part of its services, TeleCheck evaluates, and processes check payments at the point of sale for its merchant clients by evaluating transactions against its database. If TeleCheck accepts a check, it guarantees payment to the
  merchant even if the check returns unpaid for some reason.1TeleCheck 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 reflects an unacceptable risk that a check will not clear. 2In those instances, TeleCheck will issue a Code 3 decline. 

  With the information you provided we located the most recent transaction.3 TeleCheck issued a Code 3 due to check writing history and frequency, check number, check amount and other additional factors. However, we have made
  some modifications to your information in our system on all three provided checking accounts which we believe will reduce the likelihood of future Code 3 declines. Our records reflect no check transactions with TeleCheck merchants since we made those adjustments. 

  TeleCheck processes are designed to help merchants prevent fraud and comply with all applicable laws. While it may be that an otherwise valid transactions is sometimes issued a Code 3 decline, that does not mean that TeleCheck's process are inaccurate or violate any applicable rules or regulations. Beyond that, it is ultimately the merchant rather than TeleCheck who has the right to decide whether to accept a payment by check. As such we do not think your request for compensation is warranted. 

  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
  The declines were issued at **************** on August 17, 2024, for a transaction in the amount $74.19, which
  was processed on a ******************** checking account ending 7450 (check 1054)

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

  Sincerely, 

  ******* Baker 
  Consumer Resolution Services 

• Initial Complaint

  Date:08/19/2024

  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 pay my bills by using bill pay through my bank. I got my check back saying it was fraudulent check from ***** *********** When I called them up to find out why they tried to get me banking information so they could go into my checking account. I could not get any information from them unless I gave them my I formation. I do not know how to pay me heart doctor because of this.

  Business Response

  Date: 09/06/2024

  IMPORTANT NOTICE:
  REFER TO TRACKING NUMBER
  587981
  IN ALL FUTURE CORRESPONDENCE
  
  September 6, 2024 
  
  ***************************;
  *************************;
  *********, TN 37725 
  
  RE: BBB Complaint No. ******** / ***************************;
  
  Dear ******************, 
  
  TeleCheck has received your BBB complaint regarding a check decline that you received. We would like to
  apologize for any inconvenience or frustration this decline has caused. 
  
  For background, TeleCheck is a check acceptance and check processing company which works with merchants nationwide who wish to accept payment by check. For many merchants, TeleCheck also provides warranty services. As part of its services, TeleCheck evaluates, and processes check payments at the point of sale for its merchant clients by evaluating transactions against its database. If TeleCheck accepts a check, it guarantees payment to the merchant even if the check returns unpaid for some reason.1 TeleCheck will decline a check when there are negative items associated with a check writer in its database (a Code 4 decline) or when a statistical analysis of the check reflects an unacceptable risk that a check will not clear.2 In those instances, TeleCheck will issue a Code 3
  decline. 
  
  With the information you provided we located the transaction.3 TeleCheck issued a Code 3 decline based on an evaluation of information provided with the transaction request. If you can provide identifiers such as your bank account or drivers license, ****************** can make some modifications in our system under those identifiers to help reduce the likelihood of future Code 3 declines. 
  
  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
   The decline was issued at Genesis ***** and Vascular on August 9, 2024, for a transaction in the amount $106.38
  (check number *******), which was processed on a ***** Fargo account ending in 4805. 

• Initial Complaint

  Date:08/15/2024

  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 am writing to formally complain about TeleCheck Services, Inc.'s repeated refusal to accept my checks when I try to pay my phone bill. Despite my efforts to resolve this with TeleCheck, the problem persists, and I need your help to resolve this frustrating situation.For several weeks, I've tried to pay my phone bill with a check, only to receive the same error message: "This payment method was not accepted. For details, contact your card issuer or bank. Please use another payment method to complete this transaction." After receiving this message, I promptly contacted my bank, which confirmed that there were no issues. My account is in good standing, and I have enough funds to cover the payment.I usually pay my phone bill using a debit card, but due to the additional fees now associated with this method, I prefer to use a check. My account is adequately funded, and I also have an overdraft protection feature in place, which adds an extra layer of security. While I have not had to use this protection, it is available should the need arise.While I had a previous issue with my account, my bank has resolved it. The bank covered all charges related to the error, including the payment to TeleCheck and an additional $40 fee. Despite this resolution, TeleCheck continues to decline my checks for this specific payment. This is the only bill I have had trouble paying with a check, and I find this situation unfair and frustrating.I have tried several times to communicate with TeleCheck to understand why my checks are being declined and to find a resolution. However, each time, I receive the same unhelpful response. As a customer with a responsible banking history and a resolved account issue, I expect to use my preferred payment method without obstacles.I ask for your intervention in this matter to help resolve it. With your assistance, I hope TeleCheck will reconsider its stance and allow me to use my check to pay my phone bill as I have always done without issue.

  Business Response

  Date: 08/26/2024

  August 26, 2024
  *************************
  ************************************************************************************
  RE: BBB Complaint No. ******** / *************************
  Dear ********************,
  TeleCheck has received your BBB complaint regarding check declines. We sincerely apologize for any trouble you have
  encountered with this decline. Please note that I did call you at the number provided in the complaint (**************) to
  discuss this matter but the number was answered by a business voicemail. If you would like to discuss this with me directly,
  please call ************** or reach me directly by email at ********************************.
  While we understand your frustration, we need a little more information to help us locate the decline so we can help resolve
  your concerns. Typically, we utilize a specific decline number you should have received at the point of sale on the transaction
  record (receipt) that was provided to you. If you do not have that information, any or all of the below additional information
  should allow us to locate and address the transactions at issue:
  A copy of your drivers license or other state-issued identification used in connection with the denied transaction; or
  A copy of a voided check from the account in question or the full bank account and routing numbers.
  Please note all information you provide us is legally protected from unauthorized disclosure.
  If you have any additional questions or concerns, please call or email me directly as noted above. You may also contact our
  Consumer *********** at ************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET. This would be the best time to reach a
  supervisor if additional assistance is necessary.
  
  PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER
  ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK.
  Sincerely,
  *************************
  Consumer Resolution Services

• Initial Complaint

  Date:08/12/2024

  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 is the latest of checks that have been declined, Food Lion, 8/7/24, there have been 5 in total .I have been cashing checks at Food Lion since I moved to ************. from *************. with no issues until the above date. I have never in my 81 years ever had a check declined or bounced a check. I have a credit rating of 834.I have made numerous calls to Tele Check, written two letters attached and filled out a dispute form on line CASE # ********. Last time I called 8/7/24 I was told they could not find my file. To date the only correspondence I received was a generic letter, with no explanation or consumer report. I have provided all the documentation they requested to assist them to resolve this matter. In addition I went to my bank, there is no problems with my account as I carry a high balance. I am sincerely hoping you can help me, as I am at ********. This has impacted me greatly and my ability to conduct business on a daily basis, as I pay all my bills etc. by check. Thank you for your time. *************************** ******************* ************

  Business Response

  Date: 08/21/2024

  IMPORTANT NOTICE: 
  REFER TO TRACKING NUMBER 
  587252 
  IN ALL FUTURE CORRESPONDENCE 
  
  August 21, 2024 
  
  *************************;
  ***********************;
  *********, MD 21702 
  
  RE: BBB Complaint No. ******** / *************************;
  
  Dear ******************, 
  
  Thank you for speaking with me on August 15, 2024 regarding your previous letter and continued check declines. As discussed during our call, TeleCheck issued Code 3 declines because your new checking account did not have sufficient history in our database to approve those transactions. TeleCheck was able to migrate your check writing history from your previous checking account to your new checking account. Additionally, TeleCheck has also made some modifications to your information in our system which we believe will reduce the likelihood of future Code 3 declines. In fact, our records reflect that you have received a check approval since we made those adjustments. 
  
  We have also enclosed a recent TeleCheck File Report (***) using the identifiers you provided previously. The *** also reflects your recent check approval after our modifications. 
  
  We believe this resolves your issue, but if you have any additional questions or concerns, please call me directly at *************** or by email at ************************** You may also contact our ******************** at ************** 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 

  Customer Answer

  Date: 08/22/2024

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  ***************************
  

• Initial Complaint

  Date:08/08/2024

  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.

  We cancelled services many times both verbal and by email and fax since May 17, 2021 have called several times to cancel still charging even after 3 years of not using.

  Business Response

  Date: 08/30/2024

  Thank you for bringing your concerns to our attention regarding the cancellation request received. Our records do not indicate any calls received in the year 2021. On April 14, 2022, we have a record where you have claimed to have cancelled the account a year prior. During that interaction, the cancellation process was provided, however, We never received a cancellation letter. 
  
  The account was closed on January 19, 2023 after receiving cancellation letter email on January 18, 2023. The BillTo account was closed August 8, 2024 after receiving an cancellation letter email on August 6, 2024. There will be no additional compensation provided.
  
  If you have any additional questions or concerns related to this matter please call ************** between the hours of
   7:00 AM to 7:00 PM CST, Monday - Friday
  
  Thank you,
  
  Fiserv

  Customer Answer

  Date: 09/10/2024

  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 called several times and they (telecheck) did not inform us of the written cancellation letter until 01/2023, the machine that was being leased. We got the confirmation of received leased machines with confirmation certified mail on 06/2021. Therefore, if there was any other miscommunication by telecheck by not cancelling services that is not on the agreement that we signed. Telecheck has no records of any transactions since 05/15/2021 over three years ago.   
  
  Regards,
  
  *************

  Business Response

  Date: 09/18/2024

  We understand your frustration however, our records do not indicate any calls received in the year 2021. On April 14, 2022, we have a record where you have claimed to have cancelled the account a year prior. During that interaction, the cancellation process was provided, however, We never received a cancellation letter. The account was closed on January 19, 2023 after receiving cancellation letter email on January 18, 2023. The BillTo account was closed August 8, 2024 after receiving an cancellation letter email on August 6, 2024. There will be no additional compensation provided. If you have any additional questions or concerns related to this matter please call ************** between the hours of 7:00 AM to 7:00 PM CST, Monday - Friday

  Thank you,

  Fiserv
  

• Initial Complaint

  Date:07/29/2024

  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.

  Im talking about tele check! I have money in my bank account and when I write a check they say that they decide if they want to accept my check or decline my check at any business that has a tele check service? I have written ****** checks at my bank and in the last 4 days tele check has declined 2 of my checks. Tele check says that they have the right to accept my check or decline it? This service should not have anything to do with wealth or not I can cash a check!! ***********************.

  Business Response

  Date: 08/07/2024

  August 6, 2024
  ***********************
  ********************************************
  ******************
  RE: BBB Complaint No. ******** / ***********************
  
  Dear ****************,
  Thank you for speaking with me on July 31, 2024 regarding your recent check declines at *****. As discussed on the call,
  these checks both received Code 3 declines, in part, because of your checking account receiving a check decline in the previous
  six days. Based on the information you provided, TeleCheck has made some modifications to your information in our system
  which we believe will reduce the likelihood of future Code 3 declines.
  We believe this resolves your issue, but if you have any additional questions or concerns, please call me directly at (240) 849-
  5021 or by email at ************************** You may also contact our ******************** at ************** MondayFriday 8:00 a.m. to 5:00 p.m. ET. This would be the best time to reach a supervisor if additional assistance is necessary.
  PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER
  ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK.
  Sincerely,
  *************************
  Consumer Resolution Services

• Initial Complaint

  Date:07/27/2024

  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 # *** in the Amount of $500 to Millenium Super *********** declined based on Telecheck information provided. They are a bogus company providing incorrect information. I have a Credit Score of 832. You do not have a score of 832 by not paying bills on time or bouncing checks. This $ 500 was a deposit on a 55K car which I am purchasing cash. How can they possibly assess because I do not write checks that this check is not good. All of my bills are paid by direct pay through my checking. NO ONE writes checks anymore! This Company should not be in business. They should be held responsible for the embarrassment and inconvenience that they cause.

  Business Response

  Date: 08/05/2024

  August 5, 2024
  *******************
  *************
  *********************
  RE: BBB Complaint No. ******** / *******************
  Dear **************,
  TeleCheck has received your BBB complaint regarding a check decline that you received. We would like to
  apologize for any inconvenience or frustration this decline has caused. Please understand that while you are to be
  commended on your excellent credit score, as described below, TeleCheck does not have access to that in evaluating
  check transactions.
  For background, TeleCheck is a check acceptance and check processing company which works with merchants
  nationwide who wish to accept payment by check. For many merchants, TeleCheck also provides warranty services.
  As part of its services, TeleCheck evaluates, and processes check payments at the point of sale for its merchant
  clients by evaluating transactions against its database. If TeleCheck accepts a check, it guarantees payment to the
  merchant even if the check returns unpaid for some reason.1
  TeleCheck will decline a check when there are negative
  items associated with a check writer in its database (a Code 4 decline) or when a statistical analysis of the check
  reflects an unacceptable risk that a check will not clear.2
  In those instances, TeleCheck will issue a Code 3
  decline.
  With the information you provided we located the transaction.3
  TeleCheck issued a Code 3 decline in large part
  because the lack of check writing history associated with this checking account. However, we have made some
  modifications to your information in our system which we believe will reduce the likelihood of future Code 3
  declines. Our records reflect no check transactions with TeleCheck merchants since we made those adjustments.
  While we have done our best to respond to the issues you have raised, if you have any additional questions or
  concerns, or if you experience any other declines, please call me directly at ************** or by email at
  ********************************. You may also contact our ******************** at ************** Monday-Friday
  8:00 a.m. to 5:00 p.m. ET. This would be the best time to reach a supervisor if additional assistance is necessary.
  
  PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING
  NUMBER ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM
  TELECHECK.
  Sincerely,
  *************************

• Initial Complaint

  Date:07/24/2024

  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.

  Attempted to present a check and was declined again. Have called Telecheck and I am given the same explanation each time I need to write more checks and then that I have risky behavior for too many checks written. I just want my account unblocked so I can use my checking account

  Business Response

  Date: 07/31/2024

  July 31, 2024
  *************************
  ****************************************************************************************
  RE: BBB Complaint No. ******** / *************************
  Dear **************,
  TeleCheck has received your BBB complaint regarding check declines that you received. We would like to
  apologize for any inconvenience or frustration this decline has caused.
  For background, TeleCheck is a check acceptance and check processing company which works with merchants
  nationwide who wish to accept payment by check. For many merchants, TeleCheck also provides warranty services.
  As part of its services, TeleCheck evaluates, and processes check payments at the point of sale for its merchant
  clients by evaluating transactions against its database. If TeleCheck accepts a check, it guarantees payment to the
  merchant even if the check returns unpaid for some reason.1
  TeleCheck will decline a check when there are negative
  items associated with a check writer in its database (a Code 4 decline) or when a statistical analysis of the check
  reflects an unacceptable risk that a check will not clear.2
  In those instances, TeleCheck will issue a Code 3
  decline.
  With the information you provided we located the transaction.3
  TeleCheck issued a Code 3 decline in part because
  the lack of check writing history associated with this checking account. However, we have made some
  modifications to your information in our system which we believe will reduce the likelihood of future Code 3
  declines. Our records reflect you have received several check approvals 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