TeleCheck Services

Hi Mr [redacted] , My name is Salante Wise I called you this morning to discuss the code decline that you received at [redacted] x I know that you couldn't hear me, so I justed wanted to reach out to you in the Revdex.com portal as well I call you back in a few hours to discuss your complaint Thanks, Sal

IMPORTANT NOTICE CONCERNING ELECTRONIC COMMUNICATIONS By communicating through the Revdex.com's secured, automated complaint system, you AUTHORIZE TeleCheck to obtain and communicate your personal financial information and personal information to you and the Revdex.com via electronic mail If you do not wish to communicate via electronic methods, please call TeleCheck directly at the numbers appearing below, or write to TeleCheck at the address listed below IMPORTANT NOTICE: REFER TO TRACKING NUMBER [redacted] IN ALL FUTURE CORRESPONDENCE November 23, [redacted] RE: Consumer Dispute; Results of Reinvestigation; [redacted] Dear [redacted] , Please be advised that a reinvestigation of the disputed debt attributed to the above-referenced individual has been completed, and it has been determined that information received from the original furnisher of information by TeleCheck is: _____ Accurate Therefore, TeleCheck will retain this information in its records _____ Partially Inaccurate TeleCheck has modified its records to reflect the accuracy of the information, as determined by its investigation __X__ Wholly Inaccurate or Unverifiable Therefore, TeleCheck will modify its records to reflect that this information is inaccurate or unverifiable The name and address of the original creditor are as follows: Name: [redacted] Reference Number: [redacted] Address: [redacted] The following is a consumer report based on your file as it was revised as a result of this reinvestigation: Consumer Name Bank Number DL SSN Check No/ Record ID Check Date Payee Amount Status [redacted] n/a [redacted] n/a 3/19/ [redacted] $ Inactive [redacted] n/a [redacted] n/a 04/02/ [redacted] $ Inactive NOTICE: At your request, we will provide a description of the procedure used to determine the accuracy and completeness of the information to you, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.You have the right to add a statement to your file disputing the accuracy or completeness of the information contained therein If a determination has been made that the disputed information was inaccurate or cannot be verified, you have the right to request that TeleCheck provide notification of deletion or modification of the inaccurate or unverifiable information to any person specifically designated by you who has, within two years prior to the date of such request received a consumer report for employment purposes, or within six months prior to the date of such request received a consumer report for any other purpose, which contained the deleted or modified information If you file a statement of dispute, you have the right to request that TeleCheck provide a copy of the statement of dispute, or clear and accurate codification or summary thereof, to any person specifically designated by your client who has, within two years prior to the date of such request received a consumer report for employment purposes, or within six months prior to the date of such request received a consumer report for any other purpose, which contained the disputed information If disputed information has been deleted and is later reinserted in the file, TeleCheck will notify you, in writing, of this action, within business days of its occurrence If you have any additional questions: Please contact the Resolutions Department at (888) 612-Monday-Friday 8:a.mto 5:p.mCT ALL RETURN CORRESPONDENCE MUST REFERENCE THE TRACKING NUMBER ABOVE OR A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK MUST BE INCLUDED Sincerely, Salante [redacted] Resolutions Department Remedy# [redacted] [redacted]

Thank you for your response to our complaint You stated that [redacted] and TeleCheck are basically the same entity, even though when we were communicating with them, they claimed they were not If we have to select one or the other, then the complaint is against TeleCheck for their possibly illegal collection practices I noticed on your web site that this company has been fined by the government in the past for their collection practices in violation of law Thank you for your attention in this matter

Dear Ms***, I appreciated the time you took in speaking with me on March 27, As we discussed I have requested a copy of the Electronic Signed Receipt with regards to your complaint Once I have obtain that information it will be forwarded to you for your review along with a confirmation as to your file status once this dispute has been completed Kind Regards, [redacted]

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Additional Information Required Dear [redacted] * [redacted] , On February 5, 2016, you contacted TeleCheck in order to dispute certain information in your file with TeleCheck At that time, you provided us with the following identifying information: Consumer Name & Address Based upon the identifying information you provided to us, we have investigated our records, but cannot determine the information reported by TeleCheck that you disputing We want to promptly assist you in correcting any inaccurately reported information in our files At this time, however, we have not received sufficient documentation to conduct an investigationWith more identifying information from you, we will be able to search our records more thoroughly Once we receive the additional documentation or information indicated below, we will initiate reinvestigation promptly to address your concerns: __X__ A copy of your driver’s license or other state-issued identification document __X__ A copy of a voided check from the account in question __X__ Statement of Dispute and Requested Action We ask that you also include any other documentation that you believe would assist TeleCheck in investigating your disputeThe confidentiality of the information you provide is legally protected from unauthorized third party disclosure In order for us to reinvestigate your dispute, please send the requested information and documentation with a copy of this correspondence to: TeleCheck Services, Inc., POBox Houston, Texas 77210- If you have any additional questions: Please contact the Resolutions Department at (888) 612-Monday-Friday 8:a.mto 5:p.mCT ALL RETURN CORRESPONDENCE MUST REFERENCE THE TRACKING NUMBER ABOVE OR A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK MUST BE INCLUDED Thank you for working with TeleCheck to maintain the accuracy of your file Sincerely, Salante [redacted] Resolutions Department Salante [redacted] Resolutions Department cc: Revdex.com of Metropolitan Houston Attention: Dispute Resolutions Department WLoop South, Ste Houston, TX I also attempted to contact you by phone today around 4pm CST [redacted]

We are providing the following update on this complaint......I have been refused to cash a second check by TeleCheck I filed a Revdex.com complaint [redacted] Id # [redacted] TeleCheck is interfearing with my rights as a consumer to purchase productsTheir information collecting process is flawedI have contacted Telecheck on both occasions of refusing my personal checkThey refuse to correct their problem or offer a resolutionThis company is has caused me to walk out of grocery stores with out being able to cash a checkI have no credit problems or payment problems.This company is forcing me to call business's to ask if they use TeleCheckThis company is forcing me to travel extra miles to use a grocery store that does NOT use TeleCheckI want TeleCheck to quit refusing my personal checksI have a history, they just haven't found it.??

[redacted] ***, We want to promptly assist youI attempted to speak with you by telephone this morning however, you were not availableAt this time, we have not received sufficient documentation to research your complaintWith more identifying information from you, we will be able to search our records more thoroughly Once we receive the additional documentation or information indicated below, we will promptly address your concerns: __X___ A copy of your driver’s license or other state-issued identification document or you may contact me directly to provide this information __X___ A copy of a voided check from the account in question or you may contact me directly to provide this information We ask that you also include any other documentation that you believe would assist TeleCheckThe confidentiality of the information you provide is legally protected from unauthorized third party disclosure Thank you for your consideration in this matter Please feel free to call me directly at the phone number provided below I am available from 8:a.mto 5:p.mCentral Standard Time; Monday- Friday Velvet [redacted] 1-888-612- ext

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint [Provide details of why you are not satisfied with this resolution.] Regards, I had spoke with [redacted] and he agreed that this was an error and that he was going to correct thisThe response received from him does not state that I want a written statement stating that he has correct this error and it will not happen in the future so I can keep this for my records

I apologize for any inconvenience as I had to change the date of response Sincerely David [redacted]

Mrs [redacted] , I again want to say we sincerely regret any inconvenience or embarrassment you may have experienced as a result of our Code process As I stated per our telephone conversation, if you should need any assistance in the future with the approval of your check transactions, please feel free to call me directly at the phone number provided belowThere may be some instances when this particular decline may be overturnedI am available from 8:a.mto 5:p.mCentral Standard Time; Monday- Friday Velvet W [redacted] 1-888-612- ext [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint [redacted] , and have determined that this proposed action would not resolve my complaint [Provide details of why you are not satisfied with this resolution.] Regards, I returned the call and was told that basically nothing could be done about my complaint Was informed that maybe something could have been done about my check being declined had it happened mon-fri 8- No reason for the decline has yet to be offered and the company has given me no guarantee that this won't happen in the future I recommend that anyone in my situation simply cease doing business with all companies that use telecheck services

Dear Ms [redacted] Please be advised that under no circumstances did I ever lie to you I did exactly what I stated to you I would do Furthermore, it appears that during the process of your file being notated, flagged, and completed to a dispute status, the transasction to Merchants Bank was also being processed and that is what caused your denial So please accept my apologies for not knowing the exact moment your transaction was going to be processed I did however, as I stated to you, did what I stated I would do At this time your file still remains at dispute status Kind Regards, [redacted]

Dear Ms [redacted] , Please, as indicated in the attached response, provided some additional information so that we may research your inquiry and respond accordingly Kind Regards, David [redacted] -F [redacted] 1888-612-ext 8:a.mto 5:p.mC.T

[redacted] Sent: Tuesday, October 04, 5:PM To: drteam [redacted] Hi [redacted] Thanks for taking time to speak with me on September 21, Per our conversation, you were receiving TeleCheck risk declines due to a lowered check writing history rating at TeleCheck merchants The lowered check writing history rating was caused by what was perceived by TeleCheck as returned check You and I contacted your bank and confirmed that the return check was caused by an error made by your electric company I have since made updates to your account to reduce the possibility of you receiving risk declines and allow you to build your check writing history naturallyThanks, [redacted] Salante' W [redacted] Senior Processing Specialist Customer Resolutions O ext [redacted] www.firstdata.com/telecheck

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint Regards, I am working with a supervisor that should be resolved after months from no vault on my own

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UEsBAi0AFAAGAAgAAAAhAK0wP/HBAAAAMgEAAAsAAAAAAAAAAAAAAAAANgEAAF9yZWxzLy5yZWxz UEsBAi0AFAAGAAgAAAAhANTm7JlMAwAAuQ0AAB8AAAAAAAAAAAAAAAAAIAIAAGNsaXBib2FyZC9k cmF3aW5ncy9kcmF3aW5nMS54bWxQSwECLQAUAAYACAAAACEAnE5eIeIGAAA6HAAAGgAAAAAAAAAA AAAAAACpBQAAY2xpcGJvYXJkL3RoZW1lL3RoZW1lMS54bWxQSwECLQAUAAYACAAAACEAnGZGQbsA AAAkAQAAKgAAAAAAAAAAAAAAAADDDAAAY2xpcGJvYXJkL2RyYXdpbmdzL19yZWxzL2RyYXdpbmcx LnhtbC5yZWxzUEsFBgAAAAAFAAUAZwEAAMYNAAAAAA== "> IMPORTANT NOTICE: REFER TO TRACKING NUMBER [redacted] IN ALL FUTURE CORRESPONDENCE January 22, IMPORTANT NOTICE CONCERNING ELECTRONIC COMMUNICATIONS By communicating through the Revdex.com's secured, automated complaint system, you AUTHORIZE TeleCheck to obtain and communicate your personal financial information and personal information to you and the Revdex.com via electronic mail If you do not wish to communicate via electronic methods, please call TeleCheck directly at the numbers appearing below, or write to TeleCheck at the address listed below [redacted] RE: Consumer Dispute; Additional Information Required Dear Ms [redacted] , On January 21, 2016, you contacted TeleCheck in order to dispute certain information in your file with TeleCheck At that time, you provided us with the following identifying information: N/A Based upon the identifying information you provided to us, we have investigated our records, but cannot determine the information reported by TeleCheck that you disputing An Attempt to contact you via telephone today was unsuccessful We want to promptly assist you in correcting any inaccurately reported information in our files At this time, however, we have not received sufficient documentation to conduct an investigationWith more identifying information from you, we will be able to search our records more thoroughly Once we receive the additional documentation or information indicated below, we will initiate reinvestigation promptly to address your concerns: __X___ A copy of your driver’s license or other state-issued identification document __X___ A copy of a voided check from the account in question _____ Social Security Number __X___ Statement of Dispute and Requested Action We ask that you also include any other documentation that you believe would assist TeleCheck in investigating your disputeThe confidentiality of the information you provide is legally protected from unauthorized third party disclosure In order for us to reinvestigate your dispute, please send the requested information and documentation with a copy of this correspondence to: TeleCheck Services, Inc., POBox Houston, Texas 77210- If you have any additional questions: Please contact the Resolutions Department at (888) 612-Monday-Friday 8:a.mto 5:p.mCT ALL RETURN CORRESPONDENCE MUST REFERENCE THE TRACKING NUMBER ABOVE OR A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK MUST BE INCLUDED Thank you for working with TeleCheck to maintain the accuracy of your file Sincerely, David [redacted] Resolutions Department cc: Revdex.com of Metropolitan Houston Attention: Dispute Resolutions Department WLoop South, Ste Houston, TX 052813V1DIS

Ms [redacted] -***, As you may know, TeleCheck offers check verification and check processing services to merchants nationwideWith this service, numerous merchants have agreed to accept checks that otherwise would notIn accordance with the service, when an individual wishes to use a check to make a purchase at a subscriber’s business, the merchant has TeleCheck compare the check writer’s identification number (generally his or her driver’s license number or other state-issued identification number) and bank account number to determine if TeleCheck has any information regarding either number that would indicate a likelihood that the check would return unpaid from the check writer’s financial institutionIf there is such information, TeleCheck so advises the merchantThe merchant, however, always has the option of accepting the check anyway and in numerous instances does soOnce the check is approved, if that check should return for any reason, TeleCheck would be liable for that check and must pay the merchant for the amount of the checkIn order for TeleCheck to cut down on instances such as this there are certain procedures in placeOne of which you have already experienced Per our telephone conversation on July 15, I advised that the particular declines you received on June 2, at [redacted] and on June 28, at [redacted] were due to previous transactions you completed with our merchants and when calls were made to verify funds, we were advised that sufficient funds were not availableA temporary hold was placed on your account in our system until funds verification could be made or until the block automatically rolls off within days The most recent hold was removed in our system after you spoke with a representative and they were able to verify funds with your bank on July 1, Unfortunately, we are not able to forecast when a check will be approved or declined so contacting TeleCheck before you present a check will not aid in an approval I do apologize for the misunderstanding Please be aware that even though funds may be deposited daily into your account that does not indicate that they are immediately available for useHowever, I do see that all checks that have been approved through our system have cleared and not returnedI have removed the verifications process from your account in our system and you should no longer receive any more declines in regards to this matter Please feel free to call me directly at the phone number provided below if you have any questions or concerns I am available from 8:a.mto 5:p.mCentral Standard Time [redacted] 1-888-612- ext

[redacted] We want to promptly assist you I attempted to reach you by telephone this morning at the number provided in your complaint however, there was no answerAt this time, we have not received sufficient documentation to research your complaintWith more identifying information from you, we will be able to search our records more thoroughly Once we receive the additional documentation or information indicated below, we will promptly address your concerns: __X___ A copy of your driver’s license or other state-issued identification document or you may contact me directly with that additional information __X___ A copy of a voided check from the account in question or you may contact me directly with that additional information We ask that you also include any other documentation that you believe would assist TeleCheckThe confidentiality of the information you provide is legally protected from unauthorized third party disclosure Thank your for your consideration in this matter Please feel free to also call me directly at the phone number provided below I am available from 8:a.mto 5:p.mCentral Standard Time; Monday- Friday Velvet W [redacted] 1-888-612- ext

Ms [redacted] , please be advised that you receiving a risk decline to [redacted] on September 9, 2015, does not indicate that every check you present to a TeleCheck merchant will receive the same denial codeUnfortunately, we cannot forecast if a check will be approved or declined before it is presentedThis is the reason I have provided my direct contact info for further assistance if needed in the futureDue to TeleCheck being a check verifications/guarantee company we have specific guidelines in place to reduce check returns from a consumer’s financial institution It is not just suspected fraudulent activity that may cause a Code declineWe do not have access to the consumer’s financial information such as account status or funds availability, therefore, we only have the information in our system to determine whether a check will be approved or declinedBeing that you have no previous check writing history with any of our merchants, it was in our best interest not to approve your check at the point of sale before certain information could be verified Additionally, as I advised in our telephone conversation, the merchant always has the option of accepting the check and in numerous instances does soTeleCheck does not prevent the merchant from accepting the check on its own, and, historically, many merchants who are familiar with the check writer will accept the check regardless of TeleCheck's recommendationAgain, we regret that you were inconvenienced and hope that, in the future, any dealings you might have with TeleCheck are beneficialShould you have any questions, please do not hesitate to contact me directly Sincerely, Velvet [redacted]

Dear [redacted] , I appreciate the opportunity in speaking with you today As we discussed please find enclosed a revised TeleCheck File Report which I processed/used your [redacted] Driver's License Number ending in [redacted] and your banking numbers ending in [redacted] to run the report We also reverified your identifiers as well as your husband's identifiers to make certain the information on file was accurate I have also sent a request to determine if the call you placed on [redacted] 20, 20*was recorded so that we can get to the bottom of what was stated to you that caused you to file your complaint Again I apologize for any miscommunication as well as any inconvenience you encountered In closing I wanted to reiterate the denials that occurred had no bearing on the availability of funds in your account nor your creditworthness And I have placed your file at a preferred status in TeleCehck System in an effort to lessen the likelihood of the risk declines from occurring on your future check transaction(s) Thank you again for your time and consideration I did appreciate it And if I can be of any further assistance please don't hesitate to call me directly [redacted] opt*, ext [redacted] from 8:a.mto 5:p.mCentral Standard Time