Business Profile

Payment Processing Services

TeleCheck Services, LLC

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Payment Processing Services.

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:11/17/2023
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I use Sportsbook casino apps every now and then. Well I just got a random charge for 200$ and the Sportsbook customer service assured me it was not from them and that Telecheck has taken that money from me and to reach out to them. It is impossible to reach out to them and I did not authorize any money to be taken from me. So they took that money, with no contact with me at all and without my permission.
Business Response
Date: 12/04/2023
December 4, 2023
***************************
*************************
RE: BBB Complaint No. ******** / ***************************
Dear ********************,
TeleCheck has received your BBB complaint regarding a debit from the Sportsbook Casino application transaction that you
state was unauthorized. We sincerely apologize for any trouble you have encountered. Please note that I did call you at the
number provided in the complaint (**************) 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 **************************
TeleCheck is a check acceptance and check processing company which works with merchants nationwide who wish to accept
payment by check. For some merchants, customers can process transactions online using a checking account as a form of
payment. Those transactions are electronically processed like a check even though no check is actually involved.
While we understand your frustration, we need a little more information to help us locate the transaction so we can help resolve
your concerns. The easiest way for TeleCheck to locate the transaction would be to provide the full routing and bank account
numbers for the checking account you are using with the Sportsbook application. Alternatively, we may be able to locate the
information using either your social security number or drivers license or other state issued identification.
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 ******************** 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:11/14/2023
Type:Order 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 prevents me from using my checkbook ANYWHERE! In the bend I forget my wallet, they name it impossible. There is so single flipping reason this should be happening.
Business Response
Date: 12/04/2023
December 4, 2023
*************************************
3671 ****************
******************, ** *****
RE: BBB Complaint No. ******** / *************************************
Reference Numbers: 44-193604430210, 44-193604430526, 44-193604429539, 44-193604430087, & 44-233224425133
Original & Current Creditors: Amazon Marketplace Payments and Amazon.com Services, ****

Dear ************************,
TeleCheck has received your BBB complaint regarding difficulties placing online orders with Amazon using your checking account
for payment. We would like to apologize for any inconvenience this has caused. However, TeleCheck does not prevent consumers
from using their checkbook or checking account to purchase items electronically on Amazon. Amazon will freeze a consumers
account with it if that consumer holds outstanding and unresolved payments to it. You can learn about TeleChecks relationship with
Amazon on its website at the Amazon Help and **************** center under the section titled Correct a Failed Checking Account
Authorizations.1
Thank you for speaking with me and providing the identifiers needed to research your information in our system. As we discussed,
TeleChecks records reflect several returned debt items from Amazon which would impact your ability to order from Amazon. While
we understand that you believe these items were purchased through your account by someone else, these items would need to be
resolved before Amazon would unfreeze your account or before ****************** could approve a check transaction with any TeleCheck
subscribing merchants.
Below is a summary of the active items in our database:
Consumer
Name
Acct#
(Last 4)
ID#
(Last 4)
SS#
(Last 4)
Check # Original Creditor Check Date $ **** Current
Status
Ashleigh ********************************* ******** Amazon Marketplace
Payments
December 22,
2019
$ ***** Active
Ashleigh
**********
***2413 ******* N/A ******** Amazon Marketplace
Payments
December 23,
2019
$ ****** Active
Ashleigh
**********
***2413 ******* N/A ******** Amazon Marketplace
Payments
December 21,
2019
$ ****** Active
Ashleigh
**********
***2413 ******* N/A ******** Amazon.com
Services ****
December 22,
2019
$ ****** Active
Ashleigh
**********
***4587 ******* N/A ******** Amazon Marketplace
Payments
November 14,
2023
$ ***** Active
As we discussed, you inquired regarding making payments on the above items to resolve them. If you would like to make payment on
these items, please contact TRS ************** at **************; in the alternative you can mail a cashiers check or money order to
the following address:
TRS Recovery Services, ****
PO BOX ****
*************, ** *****
1
Please visit **************************************************************************** for further information.
IMPORTANT NOTICE:
REFER TO TRACKING NUMBER
553313
IN ALL FUTURE CORRESPONDENCE
***************************************************************************************
Page 2 of 2
Please include the reference number(s) on any payment to ensure posting accuracy.
If you have any additional questions or concerns, or if you experience any other declines, please call me directly at ************** or
by email at ************************** You may also contact our ******************** at ************** Monday-Friday 8:00 a.m.
to 5:00 p.m. ET. This would be the best time to reach a supervisor if additional assistance is necessary.

PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER
ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK.
Sincerely,
*************************
Consumer Resolution Services
Initial Complaint
Date:10/23/2023
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.
telecheck locked my checking account there is no person to contact to find out why ? i do not have debit cards or such im 64 yrs old i dont have cmputer or smart phone my bank says no problum with them also i have over draft
Business Response
Date: 11/01/2023
November 1, 2023
***************************
************************************
***********, ** 14171
RE: BBB Complaint No. ******** / ***************************
Dear ******************,
TeleCheck has received your BBB complaint and apologizes for any inconvenience you may be experiencing. Please note,
however, that TeleCheck does not have the ability to lock anyones checking account. ****************** is a check processing
company and specialty CRA that provides check acceptance advice to merchants. Based on your complaint, what seems more
likely is that TeleCheck is issuing merchants with decline recommendation either because there is a negative item associated
with your checking account (e.g. a return) or a statistical analysis of the transaction that indicates a greater than acceptable
risk.1
We want to help resolve this, but we need a little more information to help us locate the declines and determine what may be
causing the declines. The best information would be the full routing and bank account numbers for the checking account that
you are using. Alternatively, we may be able to locate the information using either your social security number or drivers
license or other state issued ID.
Please note all information you provide us is legally protected from unauthorized disclosure.
Finally, please note that TeleCheck does not provide information to any of the three major credit reporting agencies (Experian,
Equifax, TransUnion).
If you have any additional questions or concerns, please call me directly at ************** or 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
1
While TeleCheck may recommend that a merchant decline a transaction, the merchant has the final authority on whether to
accept a check payment or require some other form of payment.
Initial Complaint
Date:10/03/2023
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I just got sent to a collection agency from them and I never have even heard of this place and not sure why they are trying to get money from me that I have no idea what it is even for
Business Response
Date: 10/12/2023
October 11, 2023
*****************
*******************
RE: BBB Complaint # ********

Dear ************,
TRS Recovery Services, **** (TRS) received your BBB complaint concerning certain information in our database. TRS
understands your frustration at trying to resolve this issue.
Based upon the identifying information you provided to us, TRS has investigated our records, but cannot determine the
information reported that you are disputing.
TRS wants to promptly assist you in correcting any inaccurately reported information in our files. Currently, however, TRS has
not received sufficient documentation to investigate. With more identifying information from you, TRS will be able to search
our records more thoroughly. Once TRS receives the additional documentation or information listed below, TRS will be able to
initiate reinvestigation promptly to address your concerns:
o Any reference number received on a TRS letter,
o The State drivers license ID used to write the check,
o Bank routing/account number for all records at issue
Please be assured that the information you provide is legally protected from unauthorized third-party disclosure. You may fax
this information to **************. If I can answer any other questions, please feel free to reach out to me directly at (470)
669-5052 or our ******************** at ************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET.
Sincerely,
LaDrenda Black
Senior Processing Specialist
TRS Recovery Services, ****
Initial Complaint
Date:09/29/2023
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.
On September 28, 2023, I wrote check number **** in the amount of $45.86 for a purchase at Family Dollar located at **********************************************, telephone, ************. However, the check was declined due to insufficient funds, so the transaction was canceled. On September 29, 2023, at approximately 9:15 am, I received a telephone call from my bank, the ************* located at *******************************************, telephone, ************ advising me that they received a telephone call to approve the check in the amount of $45.86 which was declined on September 28, 2023. I informed the bank that the transaction was canceled and that I had the check in my presence, so the ************* check did not approve the check. I contacted Family Dollar and spoke to the Manager and inquired why my bank was contacted because the transaction was declined at their store, so I did not purchase the items. The Manager did research regarding the issue and advised me that no one from their store contacted my bank. Accordingly, I contacted the ************* and asked who contacted them in an effort to approve the declined check. I was advised that Telecheck contacted the *************. I contacted Telecheck and it was reported to me that no one from Telecheck contacted ************* regarding the declined check. Unbeknownst to me, my inquiries to Family Dollar and Telecheck did not resolve the issue. If the ************* wasn't diligent in contacting me, I would have paid for merchandise that I could not purchase. Thank you
Business Response
Date: 10/16/2023
October 16, 2023
***************************
************************************************************* *****
RE: BBB Complaint No. ******** / ***************************
Dear ********************,
TeleCheck has received your BBB complaint regarding check decline that you received at Family Dollar and subsequent call made to your bank. 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 transactions in question.3
TeleCheck issued a Code 3 decline transaction because of an insufficient transaction history with TeleCheck-affiliated merchants within our
systems. In certain instances where there are indicia of an account takeover or a checking account being used for fraudulent purposes, TeleCheck may contact a bank in an effort to verify an account.
In this case, TeleCheck issued a risk decline as the checking account in question did not appear connected with any consumer transactions processed by TeleCheck. TeleCheck contacted ***** Bank to confirm the validity of the
account not in an attempt to fraudulently process the item. ***** Bank responded that they do not verify information. Without further information, TeleCheck stopped any additional investigation and there was no impact
on your account.4 But the contact with your bank was made to investigate and protect against possible fraud and not for any other reason.
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 decline was issued at Family Dollar ***** on September 28, 2023, for a transaction in the amount $45.86
(check number ****).
4 TeleCheck would have no incentive to process this transaction as the funds would have settled to the merchant in
any event.
IMPORTANT NOTICE:
REFER TO TRACKING NUMBER
547517
IN ALL FUTURE CORRESPONDENCE
**************************************************
**********, ** *****

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: 10/17/2023
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

Dear Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID 20674925 and find that this resolution is satisfactory to me. However, considering that my bank declined the check for insufficient funds, I cannot see a reason for Telecheck to contact the ************* on the next day to verify the check.

Regards,

***************************
Initial Complaint
Date:09/21/2023
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I can not get to a live person. And the website does not work. Once you type in the Information requested and continue you get a thank you and cant go forward to find out the problem and forget talking to A live person all automated
Business Response
Date: 09/28/2023
IMPORTANT NOTICE:
REFER TO TRACKING NUMBER
545950
IN ALL FUTURE CORRESPONDENCE
Dear **********************,
TeleCheck has received your BBB complaint regarding difficulties reaching a live agent through our call center and website. I
would like to sincerely apologize for any inconvenience or frustration you have encountered regarding this issue. Please note
that I did call you at the number provided in the complaint (**************) 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 more information regarding the reason you contacted the call center so that we
can help resolve your concerns. If concerns are related to a specific transaction, any details related to that transaction can also
be provided to locate that check. 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 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:09/18/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On September 17, 2023, I presented a check to a business for payment. The business uses the Telecheck service. The telecheck service declined my check because they did not have enough information for a risk assessment. The telecheck service is collecting information about me without my consent.
Business Response
Date: 09/28/2023
MPORTANT NOTICE:
REFER TO TRACKING NUMBER
545097
IN ALL FUTURE CORRESPONDENCE
PLEASE SEE ATTACHED FOR FULL RESPONSE

Dear ************,
TeleCheck has received your BBB complaint regarding a check decline that you received, as well as your request
that TeleCheck remove all information from its system. We would like to apologize for any inconvenience or
frustration this decline has caused. Thank you for talking with me and providing the denial record for the check,
which allowed me to find the transaction in question. As outlined below, the decline was appropriate and TeleCheck
cannot remove information from its system.
For background, TeleCheck is a check acceptance and check processing company which works with merchants
nationwide like Harbor Freight 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 transaction.4
TeleCheck issued a Code 3 decline because of an
insufficient transaction history with TeleCheck-affiliated merchants within our systems.
You also stated during our conversation that you had not given anyone permission to collect your personal
information. However, by presenting a check to a merchant subscribing to TeleChecks services, the merchant
would need to provide TeleCheck with your identifying information in order to process the check for approval.
Additionally, each TeleCheck subscriber merchant would have signage posted, usually near their point-of-sale
counter, explaining this and other relevant details regarding processing your check. While we understand that you
stated there was no such signage visible at Harbor Freight, by providing a check as a payment was granting
permission to the merchant to provide that information to TeleCheck.
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
Customer Answer
Date: 09/28/2023
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.

Information collected by your agent, such as my name, address, phone number, and email address need to be removed from your system.
Your incorrect denial of my check based upon insufficient transaction history is not my complaint. The information collected by yourself and other agents to create a "profile" on your systems was not done with my permission. The information needs to be removed.

Regards,

*****************
Business Response
Date: 10/06/2023
IMPORTANT NOTICE:
REFER TO TRACKING NUMBER
546915
IN ALL FUTURE CORRESPONDENCE
Dear ************,
We have received your response. Please be advised TeleCheck does not maintain a Risk Profile built using your
name, address, or similar information. As a payment processor and specialty CRA, TeleCheck does maintain a
history of previous attempted check transactions in its database which it does use in connection with evaluating
check transactions, but it does not maintain an individual profile built around your name the way you are describing.
If you would like to obtain a copy of your TeleCheck File Report, either visit our website at
getassistance.telecheck.com/consumer-file-report.html or if you would like to complete a hard copy form, please call
our ******************** at ************** to request we mail you a form.
If you would like to ensure that your personal information cannot be used to approve checks, TeleCheck can put a
security freeze on your checking accounts. Please be advised, however, that if we place a security freeze on your
account, ****************** will decline any check transactions using that checking account or any other identifier you want
the freeze to apply to. 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 ****
**********, ** 21741-****.
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:09/14/2023
Type:Customer Service 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 am disabled, don't drive, and housebound following the passing of my mother. For the past 7 months, I have been receiving grocery deliveries, every two weeks, from my local Piggly Wiggly, paying by check out of the same account each time. My very existence depends solely on these deliveries. On August 29, 2023, I wrote a check to Piggly Wiggly for $196.24. When it was taken back to the store & run through, it was typed in incorrectly & declined by Tele check. Then, it was run back through correctly & cleared with authorization code ****, yet never showed up or drafted out of my account. I contacted ******************** to find out why & was told they could only see the last 4 digits of my account, which were wrong. I told them the correct last 4 digits, & asked them to run the check back through to resolve the issue. I was told the only way to resolve it, was to file a dispute online. I did. Then, I contacted my bank who could see I had more than sufficient funds but my check never made it to them. I was advised to contact the merchant. I did. ******** had received a letter about my check and attempted to fax telecheck proof of the check clearing with authorization code **** when they requested it, but ******** was then told it didn't matter, because it had already been turned over to the collections agency. I then filed an online dispute with the collections agency, explaining what happened. Merchant and I mutually desire for the check to be run back through to resolve the issue, or that check destroyed, and a new one given. Neither the Merchant, nor I, have been able to get anywhere with either Telecheck or the collections agency they turned it over to. I am on extremely low, limited income, and should not be expected to pay a $30 collection fee for something I had no control over. I did not give a bad check, never have, and I did not type it in to run through. I am now horrified at the thought of needing groceries again because it would involve dealing with tele-check.
Customer Answer
Date: 09/18/2023
My name is JW, (I never use my full name online) and I recently filed the complaint that was
assigned ID ********, against Telecheck?

*****, I need to update you on the status of this complaint, as of 9/16/23.

Yesterday afternoon, September 15th, I received my first notification letter, dated September 7th, about this issue
from *** Recovery Services. The letter showed the debt of $196.24 I owed to Piggly Wiggly for my groceries was
for my account ending in ****. This was not the correct last 4 digits of my account, being off by one number. This
is why the check never showed up or drafted out of my account. ***** with Piggly Wiggly said either the cashier
typed it in wrong, or their check reader read it wrong.

I immediately went online to *** Recovery Services this morning, 9/16/23, and paid this debt of $196.24, in full,
with my debit card and was given a successful payment processing confirmation number of: 10836142

My desired resolution, at this point, is written confirmation from Tele-check that acknowledges that this incident
only occurred due to their receiving incorrect account information from the merchants end, and that my correct account
will not be held in an unfavorable standing by Telecheck for future transactions, due to the human error of the merchants
cashier/check reader. Additionally, if Telecheck were to do this, I would consider the matter resolved and not want to
pursue the dispute cases I filed with both Telecheck and *** Recovery Services.

Please let me know how I can update this information on my complaint, or would you be able to do it for me?
I look forward to your response.

Thank you,
JW

Can I also please add to that desired resolution that I not be charged interest or collection fees since I paid
immediately upon notification, and the providing of incorrect information by the merchant, that caused the check
not to clear, was beyond my control and not my fault. Finally, I would also want it confirmed that the *** recovery
service would not be added or used against me on my credit file. Thank you again.

Still one more thing I need to let you know and add, but please be sure to read all 3 emails below:

I checked my bank account this morning, and, of course, my debit payment for the $196.24 for the Piggly Wiggly groceries cleared and posted,
but it looks like Telecheck referenced it as payment for a code 3, and the below is what I have found out so far about it. *****, I am concerned and upset
about this in regard to future grocery purchase attempts:

***************************.com/news/telecheck-code-3-denying-checks-despite-sufficient-funds-121813.html

This incident only happened because either the cashier typed it in wrong, or their check reader read it wrong. I should not be held accountable for this. I
paid through the *** Recovery Service, online, immediately, after receiving my letter of notification in the mail. I shouldnt be held accountable for this
from now on for something that wasnt my fault. I have been purchasing groceries like this for 7 months, in good standing, with the same account.

When I have tried to talk to Telecheck directly, it is either impossible to reach a person, or when you do, they are all foreign and will not tell you anything,
except to file a dispute, which I have already done.

*****, I must give a check as payment for my groceries to the delivery lady, each time she brings them. Being homebound, I do not have access to cash
and my local Piggly Wiggly does not yet allow for you to pay ahead with a debit card online. My very existence depends on these deliveries. It is not right
of Telecheck to make me feel as if I have to live in fear of being able to continue to purchase food, due to their strange system and this, quite innocent,
incident. I have been with my bank since ****, and never, given a bad check in my life. This is not right, and I need help. I hope the BBB can do something
to make Telecheck do right by this, so I can have some peace of mind, and not feel terrified at the idea of having to need groceries. At the moment, I am
truly trying to ration everything I have as a result of all this.

Thank you again,
Oh, finally, *****, my bank rep instructed me not to give them my social security number for this if they ask for it (so far, they havent) She said that has nothing to do
with this, and they do not have to have it. She also said the last 4 digits of my account, which they have been given, should be sufficient, along with my State ID,
which they also have. Thank you.

Business Response
Date: 09/22/2023
Dear Ms. ** Thanks for speaking with me on September 19, 2023 regarding your BBB complaint. As discussed during the call, you provided the reference number from the *** letter you received regarding a check to Piggly Wiggly that was returned. Piggly Wiggly scanned the check with their equipment and the checks numbers were somehow misread as a different account number. Sometimes a check can be misread by the check reader or at times the check numbers might not read correctly on the paper check, and the result is an item that is not a true return. Also as discussed, TeleCheck shows that the check was returned due to a stop payment, which you state that neither your bank nor you initiated. TeleChecks records show that the item in question has been paid in full and there are no active items listed in your profile. Below is a summary of the debt item in our system reflecting it was resolved and paid (modified).We believe this resolves your issue, but if you have any additional questions or concerns, please call me directly at *************** or by email at *******.Baker1 fiserv.com. 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, ************************* ***************************
Customer Answer
Date: 09/22/2023
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and although I am not entirely satisfied to learn that ************** did not speak to either my bank rep or to the merchant, as I specifically requested/insisted, to further show that payment was never stopped on my check, and thought he was going to do, even though he said he thought it unnecessary, I find that this resolution is satisfactory to me, and this complaint may now be closed.

Regards,

***
Initial Complaint
Date:09/07/2023
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Telecheck has frozen my checking account saying my account is closed my checking account is not closed I've never had any problems with any place taking my check telecheck is saying I have checks written off of a closed checking account I have the receipts showing that the business did take my checks or my husband payed for my items after the stores declined my check I am also getting notices from places that I sent checks to pay my bills I have never wrote a bad check my bank agreed my account is open with know problems. Thank You So much for helping me , ***********************
Business Response
Date: 09/21/2023
September 19, 2023
***********************
**********************************************************************
************, ** *****
RE: BBB Complaint No. ******** / ***********************

Dear ******************,
Thanks for speaking with me regarding the declines generated from two returned checks. As discussed, the returned checks appear to have been presented from a different account than the previous checks and returned unpaid because they were processed on a closed account.
Please note that while you informed me that you would be paying both returned checks, TeleChecks records now show that both checks have been paid in full. TeleCheck does not show any check transactions since the debts were paid. Below is a summary of the debt items in our system reflecting they were resolved and paid (modified).
Consumer
Name
ACCT #
(Last 4)
ID# (Last
4)
SS #
(Last 4)
Check # Original Creditor Check Date $ **** Current
Status
*********************** ******* N/A N/A **** Food Lion August 20, 2023 $87.32 Modified
*********************** ******* ******* N/A **** ******* No. **** August 22, 2023 $54.76 Modified
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 NUMBERABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK.
Sincerely,
*************************
Consumer Resolution Services
Customer Answer
Date: 09/26/2023
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Regards,

***********************
Initial Complaint
Date:08/23/2023
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I had this checking account since ****. Starting 8/11/23 I have 6-7 checks decline through TeleCheck at merchants that I regularly shop at. The declined checks include # **** for $19.64, #**** for $19, # **** for $14.27, # **** $12. I previously banked at *********** In ***********, **. It recently merge with ****** *************** and it is now called *************************** This merge occurred on 6/12/23. I was able to keep the same account number, but had to get a new routing number. I contacted TeleCheck each time and explained the situation and there was not any fraudulent. The reason I was given was that it occurred was due to it being outside guidelines, lack of activity on account, and that they determine if they will accept it as each check is presented. After the 3rd or 4th call the next person said I needed to wait 48 hours. The issue was temporarily resolved then the same thing started again.
Business Response
Date: 08/31/2023
IMPORTANT NOTICE:
REFER TO TRACKING NUMBER
541114
IN ALL FUTURE CORRESPONDENCE
Dear ******************,
Thanks for speaking with me on August 28, 2023 and providing both your old and new bank account information. As
discussed during the call, with the bank information you provided, I was able to migrate the check writing history from your
old bank account to the new account provided to you after the bank merger. You should not experience further declines.
TeleCheck also shows that you have received approvals since that migration was 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

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.

Complaints

Find a Location

TeleCheck Services, LLC

TeleCheck Services, LLC

Telecheck Services

Telecheck Services, Inc.

TeleCheck Services, Inc.

Customer Complaints Summary

If you've experienced an issue

Sort by

Complaint status

Complaint type

Initial Complaint

Business Response

Initial Complaint

Business Response

Initial Complaint

Business Response

Initial Complaint

Business Response

Initial Complaint

Business Response

Customer Answer

Initial Complaint

Business Response

Initial Complaint

Business Response

Customer Answer

Business Response

Initial Complaint

Customer Answer

Business Response

Customer Answer

Initial Complaint

Business Response

Customer Answer

Initial Complaint

Business Response

TeleCheck Services, LLC is NOT a BBB Accredited Business.

Cookies on BBB.org

Complaints

Customer Complaints Summary

If you've experienced an issue

Filter and sort by

Sort by

Complaint status

Complaint type

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Business Response

Complaint statuses

Business Response

Customer Answer

Business Response

Complaint statuses

Customer Answer

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Business Response

TeleCheck Services, LLC is NOT a BBB Accredited Business.