Business Profile

Payment Processing Services

TeleCheck Services, LLC

This business is NOT BBB Accredited.

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Complaints

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

Customer Complaints Summary

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

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:03/01/2024
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.
On 10-17-23 my bank changed my checking account number, after having the previous number for 9yrs. Since then, Telecheck continually gives me a code 3, declining my check. I never had ANY problems until my checking account number was changed. Now my checks will go thru at the local grocery store, but will not go thru at any other stores/gas station(I had written checks at "declined" locations for 20+ yrs). After calling them at least 6 times (including a conference call including my bank), all the asian women at Telecheck do is continually read off of their script & do not resolve the problem. Telecheck informs me they do not have information from previous (old) checking account, it seems to me old account & new account were not "merged". My new checking account has a new account number, but the same routing number. Would someone PLEASE help me! ****
Business Response
Date: 03/07/2024
March 7, 2024
*******************************
**************************
*******, ** 60152
RE: BBB Complaint No. ******** / *******************************

Dear ********************,
TeleCheck has received your BBB complaint regarding declined checks after your bank account number was changed. We
would like to apologize for any inconvenience or frustration these declines have caused.
For background, TeleCheck received your previous complaint case when you contacted our call center regarding this same
decline issue. With the information you provided in that complaint, we located the transaction at issue1
and noted that
TeleCheck issued a Code 3 decline in part because of a high level of recent activity on your bank account. However, as stated
in our previous response letter dated March 1, 2024 (enclosed for your review), we have 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.
Accordingly, we believe your issue is resolved. But, if you have any additional questions or concerns, please call me directly at
************** or by email at ************************** You may also contact our ******************** at (800) 366-
2425 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:02/24/2024
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I was a **** of **** customer for over 30 years. For over 30 years I wrote checks both personal, and business on a daily basis. **** of **** was bought by ***. On February 13, 2024 I used my last **** of **** checks- since *** took over **** of ****- *** issued me checks (Same **** different name, and routing number). On February 14 I used my first *** check $235.14 it was declined. I wrote checks February 21, 22, 23 a total of 7 checks all declined. I went to my BMO bank for help I was told there's nothing they could do. I called telecheck I was told the reason it was denied-I have funds -the checks were declined because there's no history of me writing checks. (Which doesn't make since I been writing checks for over 30 years with **** of ****, and the last check I wrote was on February 13, 2024). I gave telecheck my old **** of **** routing number, and updated my profile, and was told wait 24 hrs. Than use my checks if its denied again give telecheck a call. I called February 22, and 23 six checks were declined. I'm worried next week I have to pay my employees with the *** checks, and I'm afraid it's going to be denied and I be responsible to pay there check cashing fee
Business Response
Date: 02/27/2024
Duplicate of case # 21340534
Business Response
Date: 03/01/2024
March 1, 2024
*********************
*********************
Madera, ** *****
RE: BBB Complaint No. ******** / *********************

Dear ************,
Thank you for speaking with me on February 28, 2023 regarding your complaint. 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. It appears that while your bank had already begun migrating the old account history to your new account, these recent check transactions has occurred before the migration. In addition to the migration by your bank, TeleCheck has also modified information in our system which we believe will reduce the likelihood of future Code 3 declines. Our records do not show any transactions attempted 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 (240) 849-
5021 or by email at ************************** You may also contact our ******************** at ************** MondayFriday 8:00 a.m. to 5:00 p.m. ET. This would be the best time to reach a supervisor if additional assistance is necessary.
PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER
ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK.
Sincerely,
*************************
Consumer Resolution Services
Customer Answer
Date: 03/02/2024
[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.
Thank you, Mr. *****************************************

*********************
Initial Complaint
Date:02/23/2024
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.
Feb 10th went to CVS to pick up prescription $65 was told my check was denied. They could not provide any information at CVS. I was lucky to have cash on me. Called Telecheck enter bank routing number, check number, checking account number to get no exact reason why check was denied. I have written checks for my husband prescription for $1000 never had a problem before. You can not physically speak to someone at Telecheck no matter how many prompts and hitting 0 they hang up on you. I want to get this issue straighten out and why it is happing all of sudden. I don't carry $1000 cash on me to get his prescriptions.
Business Response
Date: 03/11/2024
March 8, 2024
***********************************
831 ***********
****, ** *****
RE: BBB Complaint No. ******** / ***********************************

Dear **********************,
Thank you for talking with me on March 7, 2024 regarding your BBB complaint. As discussed during that call, we believe that
all issues related to your check processing have been 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
Initial Complaint
Date:02/22/2024
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 had my vehicle (Fleet vehicle) in for repair. We have been to this particular dealership before for repairs and usually use this location. They use Telecheck to process their payments and we have written checks here before with no problem whatsoever. Today I was dropped off to pick up a vehicle that is ready and they said our check would not clear. I called our bank and and they said that it was a problem on their end as there was more than adequate funds in the bank. They could not provide a reason for the denial but would not take my check leaving me stranded at a dealership as I did not have $600 cash in my pocket. This is ridiculous. I tried to call Telecheck but could not get thru. I am not exactly sure what the problem with this company is but the fact that they would not accept any form of payment other than cash due to the denial is nuts, especially since there was a rather large sum of money in our bank account. I really just need an explanation. I don't have alot of spare time in my life and certainly didn't have the time to site stranded because my vehicle is being held hostage due to a glitch in a crappy payment system.
Business Response
Date: 03/07/2024
March 7, 2024
************
*********************************************************************************************** *****
RE: BBB Complaint No. ******** / ************

Dear ************,
Thank you for speaking with me on February 28, 2023 regarding the BBB complaint submitted by ************ and providing
me the checking account number for the business. As discussed during our call, TeleCheck was able to locate the decline in
question to *********************************, and I noted to you that the check received a Code 3 decline response because the check reader
at the dealership misread the check account numbers, resulting in a request for approval to the incorrect bank account which
was declined due to lack of transactional history.
Also, during our call, I advised that the business could present another check to ********************************* for payment, since
TeleCheck does show a previous check was read correctly and approved prior to the decline in question. As of the writing of
this letter, TeleCheck does not show any further attempts to present a check at *********************************.
We believe this resolves your issue, but if you have any additional questions or concerns, please call me directly at (240) 849-
5021 or by email at ************************** You may also contact our ******************** at ************** MondayFriday 8:00 a.m. to 5:00 p.m. ET. This would be the best time to reach a supervisor if additional assistance is necessary.
PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER
ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK.
Sincerely,
*************************
Consumer Resolution Services
Initial Complaint
Date:02/19/2024
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 am 100%Disabled Vet living on a fixed income I have sent letters requesting to be taken out of their database I have never bounced a check however this company keeps telling any store I shop at to decline my checks I am thinking about legal action via JAG ( military law )
Business Response
Date: 03/01/2024
March 1, 2024
***********************************
********************************
********, ** 85615
RE: BBB Complaint No. ******** / ***********************************

Dear ************************,
TeleCheck has received your BBB complaint regarding continued check declines at Food City. We would like to apologize for
any inconvenience or frustration these declines have caused.
For background, TeleCheck is a check acceptance and check processing company which works with merchants nationwide
who wish to accept payment by check. For many merchants, TeleCheck also provides warranty services. As part of its services,
TeleCheck evaluates, and processes check payments at the point of sale for its merchant clients by evaluating transactions
against its database. If TeleCheck accepts a check, it guarantees payment to the merchant even if the check returns unpaid for
some reason.1
TeleCheck will decline a check when there are negative items associated with a check writer in its database (a
Code 4 decline) or when a statistical analysis of the check reflects an unacceptable risk that a check will not clear.2
In those
instances, TeleCheck will issue a Code 3 decline.3

With the information you provided we located the declined transactions. TeleCheck issued a Code 3 decline in part, due to
check writing history and frequency, check number, check amount, and other additional factors. We have made additional
modifications to your information in our system which we believe will reduce the likelihood of future Code 3 declines.
However, at the time TeleCheck made adjustments to reduce the likelihood of future declines, we also learned that Food City
requested adjustments to their merchant check acceptance parameters, which resulted in the declines that you began
experiencing in November 2023. Nonetheless, TeleCheck has made additional adjustments to further reduce the likelihood of
declines. Please note that TeleCheck cannot guarantee no further declines due to Food Citys recent requests for its own
tightened check acceptance parameters.
Additionally, TeleCheck received a separate letter from you asking to remove your information from our database. TeleCheck
is unable to remove your consumer information from its database; however, TeleCheck can place a security freeze on any
identifiers you direct us to freeze. However, you should be aware that if we do set up a security freeze, it may, as detailed
below, negatively impact your ability to make purchases using your checking account from merchants who use TeleCheck.
1
While a merchant remains free to accept a check even if TeleCheck declines to accept it, TeleCheck will not provide a
warranty.

2
A Code 3 is not reported to third-party consumer reporting agencies and in no way reflects negatively on a consumers credit
status. TeleCheck does not have access to a check writers account and does not verify account balances as part of the
processing services it provides.
3
For further information about TeleCheck or if you would like to request your TeleCheck File Report please visit:
**********************************************************************************, or call TeleChecks ******************** at ************** to
request that a form be mailed to you.
IMPORTANT NOTICE:
REFER TO TRACKING NUMBER
565728
IN ALL FUTURE CORRESPONDENCE
**************************************************
**********, ** 21740
Page 2 of 2
If we place a security freeze on your account, ****************** will decline any check transaction using that checking account or any
other identifier you want the freeze to apply to.4
As a result, TeleCheck would not approve any transaction using a frozen
identifier. If you are still interested in our placing a freeze on any accounts or other personally identifiable information, please
reach us at the numbers provided below or mail a request to: TeleCheck Consumer Resolutions, PO Box 6806
**********, ** 21741-6806.
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:02/11/2024
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.
Telecheck Services, Inc. aka Telecheck has been contracted by Amazon which has destroyed my creditworthiness due to glitches by telechecks platform and their own actions. Whom they refuse to fix but send you doing your own research and requesting all your privy information which they do not legally have that right to obtain during a dispute of any actions they have against you. Because there was never a bounced check and/or transactions of any kind whatsoever by this client/myself. Plus, giving a merchant full unwarranted access to a platform without perimeters, notices, disclosures to the client whenever an issue arrises to allow the client to remedy the allege situation in a timely manner required by federal and state laws. The banking systems have been notified that this agency was giving back door access like candy to retailers without oversight. This company shall remove themselves and dissolve their business entirely or they shall be prepared for the upcoming of another class action lawsuit that they fought and lost in 2015 on this same issue. FTC vs Telecheck Services, Inc.
Business Response
Date: 03/01/2024
March 1, 2024
*******************
*****************************************************************
RE: BBB Complaint No. ******** / *******************

Dear Mr. *******
Thank you for speaking with me on February 13, 2023 regarding transactions to Amazon that could not be completed and for providing your checking account to research your consumer history. As discussed, TeleChecks system does not reflect any negative information which would cause TeleCheck to recommend to its merchant subscribers to not accept your check transactions.
We reached out to Amazon to verify if they had any blocks placed on your consumer information and Amazon confirmed that no such block exists, and you should be able to process orders with Amazon. Please note that TeleCheck has no control over ******* systems or its decisions to block a transaction or consumer. If you are still encountering what you believe to be a block by Amazon, we suggest you contact Amazon directly at **************** and ask for the **** team for more information.
Additionally, you stated that when you tried to cash a check at Wal-Mart, the associates explained that they received a decline attempting to cash your check. Importantly here is that Wal-Mart uses Certegy for their check cashing processing, not TeleCheck. Accordingly, you will need to contact Certegy to verify if it has any information that would result in a
recommendation by Certegy to Wal-Mart to not cash your checks.
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:01/03/2024
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.
This fake company has made it impossible to cash check. We have no unpaid charges and tgere is money in the bank. They want personal info dl, ssn and im not giving that. I want charges pressed on a illegal company that makes false charges.
Business Response
Date: 01/12/2024
January 11, ****
***************************
5545 *************
******, ** *****
RE: BBB Complaint No. ******** / ***************************
Dear ****************,
TeleCheck has received your BBB complaint regarding a check decline that you received at Dollar Tree. 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
and the transaction indicates a greater risk that a check will not clear than a merchant is willing to accept.2
In those
instances, TeleCheck will issue a Code 3 decline.3

With the information you provided we located the transaction.4
TeleCheck issued a Code 3 decline due to a
transaction on the account being declined in the previous six days. Additionally, TeleCheck also located another
decline5
two days prior. TeleCheck issued this decline due to check writing history and frequency, check number,
check amount and other additional factors.
However, upon receipt of your complaint we modified information in our system which we believe will reduce the
likelihood of future Code 3 declines. Our records reflect no check transactions with TeleCheck merchants since we
made those adjustments.
While we 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
1
While a merchant remains free to accept a check even if TeleCheck declines to accept it, TeleCheck will not
provide a warranty.

2
A Code 3 is not reported to third-party consumer reporting agencies and in no way reflects negatively on a
consumers credit status. TeleCheck does not have access to a check writers account and does not verify account
balances as part of the processing services it provides.
3
For further information about TeleCheck or if you would like to request your TeleCheck File Report please visit:
**********************************************************************************, or call TeleChecks ******************** at (800)-
366-2425 to request that a form be mailed to you.
4
The decline was issued at Dollar Tree **** on January 3, ****, for a transaction in the amount $18.53 (check
number ****), which was processed on a ********************* checking account ending in ****.
5
The decline was issued at Best Buy on January 1, ****, for a transaction in the amount $674.22 (check number
8336), which was processed on a ********************* checking account ending in ****.
IMPORTANT NOTICE:
REFER TO TRACKING NUMBER
559517
IN ALL FUTURE CORRESPONDENCE
***************************************************************************************

********************************. 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: 01/12/2024
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
There is no due process, no notifications, **** club that made the error and they say it takes 30 days to process. We submitted proof payment was made, it does not take no 30 days when proof of payment is made. They made no attempt to call or send of such charges and this telcheck has no right to destroy credit rating or stop checks without proof. Now cant write checks until these incompetant false charge companies dont do their jobs release the false charges.

Regards,

***************************
Business Response
Date: 01/24/2024
January 23, ****
***************************
5545 *************
******, ** *****
RE: BBB Complaint No. ******** / ***************************

Dear ***************************,
TeleCheck has received your response to our January 11, **** response to your BBB complaint. As noted in our January 11,
**** letter, which is enclosed with this letter, TeleCheck made modifications to your consumer profile that we believed would
reduce the likelihood of future Code 3 declines. Indeed, we show that you received a check approval just a few days later1
at
Vitamin Cottage (and no declines since) so we believe your concerns have been addressed.2

If you feel there is another issue, please provide details so that we may research and resolve. At this time, we believe that the
original complaint has been resolved. 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
Enclosure
Initial Complaint
Date:12/07/2023
Type:Product Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
We used to have a small business and a telecheck check cashing service through PNC Merchant Services and Telecheck for over 2 years since we sold the business. We are no longer business owners, but still have bank accounts that Telecheck is autodrafting from. We emailed merchant services, called and left voicemails and the same with Telecheck. We called, went to the bank, got managers involved, etc. and yet still nothing has happened. We finally were told that we had to send a letter to them to get the charges stoped, but that we'd not be able to be refunded any money's. They point figures back and forth between Merchant Services and Telecheck. This is a major racket and I'm sure we're not the only consumers who sold business that are still getting ripped off. Please help!
Business Response
Date: 12/13/2023
Thank you for bringing your concerns to our attention. In order to research, please reply in the BBB with your Merchant Number (MID), Lease or subscription number, business name, and business information.
Thank you,
Fiserv
Initial Complaint
Date:12/07/2023
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.
Three of my personal checks was declined at Food Lion on 11/09/23, *** $54.83, 11/15/23 *** $11.95, & 11/16/23 *** $18.22. I initially contacted Telecheck but didnt understand what the automated system was saying, so I called Food Lion customer service asking what was causing the problem. I spoke with ***** @ 10:14am & ***** @ 10:42am I was told by both that I had no check writing history. I informed them that I had opened a new account with another institution, the both told me I needed to merge my acct that I had with the previous institution, I gave the info. Then I was told to was 24 ******* should be able without a problem that it had been corrected & updated in their system, I waited from 11/9 - 11/15 before trying again but the issue was still unresolved. Thats when I contacted Telecheck to get my account merged and hopefully a resolve, I was told several times by different agents that the information had been updated in their system, and to wait 24 hrs before writing another one. I done as instructed but no resolve, after the last decline I decided to send a letter to each person in hopes of getting it handled and over with. The letters I sent havent arrived yet which led to my contacting BBB in hopes getting this resolved. Im sending attached info thatll help explain the issue more.
Business Response
Date: 12/15/2023
December 14, 2023
*************************
*******************
RE: BBB Complaint No. ******** / *************************

Dear **************,
Thank you for speaking with me and providing a denial record for one of your declined checks from Food Lion to allow
TeleCheck to research the reason for your declines. As discussed, the new bank account that you opened did not have any
consumer history since it had been recently opened. However, TeleCheck was able to migrate your consumer history from
your old bank account to the new one. TeleCheck shows that you received a check approval at ******* after the migration
was completed.
Additionally, 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:12/01/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I was trying to pay for a vet service with a check and Telecheck declined the check as I did not have an account with them. Why would I have an account with a business that I do not do business with. Telecheck services are being used by the business and the individual trying to pay for services with a check. It is fraudelent as they did not attempt to contact my bank to ensure their funds were in place and that i was the account holder. It is ******** response to them not doing their job. Now, I have to wait 2 hours for their system to update and after 2 hours a supervisor still has not called me back. I want them out of business.
Business Response
Date: 12/08/2023
December 7, 2023
***************************
**********************
RE: BBB Complaint No. ******** / ***************************
Dear ********************,
TeleCheck has received your BBB complaint regarding a check decline at a veterinary clinic. We sincerely apologize for any
trouble you have encountered with his decline. Please note that I did call you at the number provided in the complaint ((303)
601-1651) to discuss this matter and left a voicemail message. 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 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 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
Customer Answer
Date: 12/08/2023
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[Please type your response here.] It is quite apparent that they did not read the issue. The check was declined as I did not have an account set up with telechek. Why would I have an account set up with a company that works with businesses. Telecheck is not for individuals but businesses and the fact they did absolutely no work on their end to verify in the information with my bank and other databases instead of requiring individuals to call and set up account that takes 2 hours to update is not acceptable. Additionally, I requested that a supervisor contact me and no one did. It is quite obivious that Telecheck has not desire or concern to provide customer service.

Regards,

***************************
Business Response
Date: 12/20/2023
December 20, 202
***************************
**********************
RE: BBB Complaint No. ******** / ***************************
Dear ********************,
TeleCheck has received your response filed with the BBB and to be ***** we do not believe it is well-founded or particularly
fair. Far from ignoring your issue, we sent you a detailed letter indicating what further information we would need to research
your decline, and more to the point, I made the effort to reach out to you personally by phone so I could answer any questions
you might have and provide what assistance I could. I left you a message which you still have yet to return. TeleCheck takes
these complaints seriously and does not appreciate the unfounded suggestion that we do not or that we are ignoring your
complaint..
For background, we do not know where you got the idea that you needed to have an account with ****************** to pay using a
check at a TeleCheck subscribing merchant. You do not-TeleCheck does not open accounts with consumers. 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 offers a check warranty protecting the merchant against returns payments.1
TeleCheck processes check payments at the point of sale for its merchant clients and evaluates transactions against its database.
If TeleCheck accepts a check on behalf of a warranty client, it guarantees payment to the merchant even if the check returns
unpaid for some reason.2
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.3
In those instances, TeleCheck will issue a Code 3 decline.4

Based on your original complaint, our understanding is that you are wondering why you received a decline. As we previously
let you know, in order to determine this, we need additional information from you to locate the decline. Once we locate it, we
can ascertain the reason for the decline and possibly make modifications to reduce future declines. As previously requested, the
decline number provided at the point of sale on the transaction record (receipt) would be the best way to locate your
transaction. 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 or the full bank account and routing numbers.
1 For other merchants it provides only acceptance advice, as described below, and for others it provides only settlement
services.
2 While a merchant remains free to accept a check even if TeleCheck declines to accept it, TeleCheck will not provide a
warranty.
3 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.
4 For further information about TeleCheck or if you would like to request your TeleCheck File Report please visit:
**********************************************************************************, or call TeleChecks ******************** at ************** to
request that a form be mailed to you.
IMPORTANT NOTICE:
REFER TO TRACKING NUMBER
556871
IN ALL FUTURE CORRESPONDENCE
***************************************************************************************

Please note all information you provide us is legally protected from unauthorized disclosure. You may provide this information
to me directly as provided below, mail to TeleCheck Services, Inc., ATTN: Consumer Resolution Services, P.O. Box ****,
**********, ** **********, or fax to **************. Please include the tracking number provided in this letter on the
documentation.
Once again, far from ignoring consumer complaints, TeleCheck works diligently with consumers like you to resolve any
complaints they may have. As such, I would repeat my offer to discuss this with you directly. If you would like to, please call
************** or reach me directly by email at ************************** You may also contact our Consumer Call
Center at ************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET. This would be the best time to reach a supervisor if
additional assistance is necessary.

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: 12/21/2023
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[Please type your response here.]

Again, you did not read the message. Telechek declined the check as I did not have an account with your company. I called and found this information out. I am not providing you my driver's license and banking information over an unsecure network. I have to give the rep my information to get set up and then it would be 2 hours for the information to update. I also requested for a supervisor to contact me and that never happened. Telechek declined the check as your company did not do anything to confirm the bank account or my information. Your company is basically lazy. I had to figure how to pay for a surgery that needed immediate payment due to your system taking 2 hours to update. The fact you that cannot find the information about my decline as indicates how awful your system is. There is no excuse to decline a check because you do not have information in your system about the account holder and refuse to do additional work and quickly resolve the issue. Additionally, you need to let the businesses and consumers know that they can still accept the check which I know you did not explain to me.

Regards,

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

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