TeleCheck Services

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,The solution proposed by Tele-Check was to have a three way conference call with them, me and a credit union rep from my credit unionTele-Check wanted to confirm my available balance in my checking so that I could write a check that very night and Tele-Check assured me that it would be acceptedOnly problem though, not only was my credit union closed but I had no desire to purchase anything that nightI was being coerced to write a check that very night even though I didn't want to go to [redacted] or to buy anythingI want my checks to be accepted when I present them but also when I want to purchase something not when Tele-check wants me to purchase something [redacted] ***

Mr [redacted] , We want to promptly assist youI attempted to speak with you by telephone this afternoon 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] [redacted]

Dear Ms [redacted] , I attempted to contact you via telephone today at 217-827-the phone provided in your complaint and was advised that this was not the correct number We want to promptly assist you At this time, however, we have not received sufficient documentationWith 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 to 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 David [redacted] -F [redacted] opt1, ext

[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.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me Thank you Mr***

Hi Ms [redacted] ***'s TeleCheck relationship manager spoke with Josh at the store, and he's requested for us to close collection reference number [redacted] and allow check recovery at store level So the item has since been closed and your check writing history has been modified to a positve status Thanks, Sal

Mrs [redacted] , We want to promptly assist youI attempted to speak with you by telephone this morning however, you were not availableI also sent you an email requesting a callAt 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 should you have any additional questions or concerns I am available from 8:a.mto 5:p.mCentral Standard Time; Monday- Friday Velvet [redacted] 1-888-612- ext [redacted]

Dear Mrs [redacted] - [redacted] , Thank you for taking the time out today in speaking with me As we discussed, TeleCheck has made adjustments to your file in an effort to lessen the likelihood of the risk declines from occurring This does not guarantee they will not occur, should you need my immediate assistance please give me a call as soon as possible Kind Regards, David [redacted] l-F [redacted] 1888-612-ext

Dear ** [redacted] , Thank you for returning my call and the opportunity in assisting you I would also like to re-iterate the information I provided to you during our conversation Based on your complaint I was able to determine the best area to assist you on this matter would be TRS Recovery Services The phone numbers to TRS Recovery Services are [redacted] ***, [redacted] or [redacted] *** The information you would need when calling would be the reference/log numbers for your files, and those are [redacted] for check number [redacted] in the amount of $***, and [redacted] for check number [redacted] in the amount of $*** I completely understood your circu**tances, and also provided you with the name of the laws that govern Electronic Check Transactions ( [redacted] ***) I am however uncertain if those laws would apply to your circu**tance on how or if notification of when checking accounts are going to be debited on a collection item(s) Again, I appreciated your time, and if there is anything else I can assist you with please do not hesitate to call I am available Monday through Friday from 8:a.mto 5:p.mC.T [redacted]

RevDex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me. David, from Telecheck's resolution department contacted me, and we worked together to find the problem, and he was very helpful in resolving the situation.

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 attaching document that was recently given to me by employee of [redacted] bank, as proof of falsehood #that is stated in the referenced communication I have not refused to cooperate at any tie in investigation of this alleged incident Rather, I have done everything humanly possible to resolve this matter, except yield to the demands of Telecheck to hand over money Knowing, without a doubt that I am not alone in my negative experience with this company (as evidenced by the over $million Telecheck was awarded to pay in case filed by the FTC), and having personal experience with Telecheck employees that have lied to me on several occasions would make me very uncomfortable (even if I did owe, which I do NOT) with remitting any amount from any they would likely "inadvertently" repeatedly remove said funds from.Moving on, the indication that an employee of the bank (Ms***) had spoken with me about the check to which you refer prompted me to call the [redacted] xxxx number, as I know that no conversation between myself and Ms [redacted] (or any employee of the bank) occurred So, I asked to speak with Ms [redacted] today (4/27/2015) as I was curious about your statement, and was informed that a Ms [redacted] had, in fact, been employed there at one time, but had not worked there for over year Falsehood #

Dear [redacted] , RE: Giant - September 9, 2015 - $51.65 – CK# [redacted] TeleCheck is in receipt of the complaint you have filed with the BBB on September 9, 2015. Per our telephone conversation I advised you that due to the lack of check writing history in our system,... your check received a risk decline. Below is a more elaborate explanation of the type of decline you received and why it was issued. The above-referenced check was submitted by [redacted] to TeleCheck for review and pre-acceptance. Based on our process for determining the risk level associated with the check, we issued a risk based decline (referred to by TeleCheck as a “Code 3”). Please be assured that a “Code 3” does not indicate the presence of unpaid debt in TeleCheck’s data systems, nor does it indicate insufficient funds in your checking account, as TeleCheck does not verify account balance. A Code 3 is not reported to third-party consumer reporting agencies and in no way reflects negatively on your credit status. Rather, TeleCheck’s analysis of the transaction revealed indicators that have been historically and statistically associated to a high degree with fraudulent check transactions. In the case of the above referenced check, the transaction was declined primarily because of: TeleCheck has no history on your account or ID We sincerely regret any inconvenience or embarrassment you may have experienced as a result of this determination. The changing marketplace has produced new and greater risks for merchants. TeleCheck’s transactional risk analytics is a response to merchants’ need for reduction of risk and losses from identity theft and fraud related to check acceptance. These services benefit merchants and consumers by preserving payment options and reducing costs. Thank you for your patience as we work to reduce fraud-related losses and safeguard the check acceptance process. You can learn more about our risk analytics by visiting [redacted] . In closing, per our telephone conversation I also advised to assist in any future declines you may receive, you are welcome to contact me directly and I will do my best to resolve the issue with possibly overturning the decline if applicable. Thank your for your consideration in this matter. I am available from 8:30 a.m. to 5:00 p.m. Central Standard Time; Monday- Friday. Velvet [redacted] ext. [redacted]

Ms [redacted] , Thank you for the opportunity in speaking with me on July 30, - unfortunately the call was cut short because the phone line just cut off, I did however call you back and left my informaiton for a return call I am in the process of preparing a response for your review Once its completed it will be uploaded into the Revdex.com portal for your review Kind Regards, David [redacted] -F [redacted] ext 8:a.mto 5:p.mC.T

MsBoring, The clearance letter was mailed to you on August 19, so you may not have received it at this timeI will again attach the letter for your reviewPlease scroll to the very bottom of the page to see the attachment Thank You, Velvet [redacted]

[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.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me It was our understood from the telephone conversation that Telecheck will not reject or decline acceptance of checks tendered by [redacted] ***

Hi [redacted] , Thanks for taking time to speak with me yesterday Per our conversation, you were receiving TeleCheck risk declines due to a lack of check writing history at TeleCheck merchants I have since made an update to your account to reduce the possibility of you receiving risk declines and allow you to build your check writing history Thanks, Sal

Dear MrsDeville, I would like to take this opportunity and thank you for your assistance and time in resolving this matter Again, as we discussed I can not provide any assurance this type of circumstance would not happen again If in the event you should need any further assistance please do not hestitate to call my contact information is below and time I am available Kind Regards, David Frizzell Falcon [redacted] 8:to 5:C.T

Dear Ms [redacted] , I have since your last rejection to my final response on this complaint, been viligant in reviewing your file to determine if you have, as you indicated presented a check to determine if it was going to be approved or not Unfortunately, there is no way of predetermining when you will decide to do this, and then contact the Revdex.com The Revdex.com has been asked to close this complaint As there are specific time frames in which we have to respond to complaints and/or rejections set by the Revdex.com And I do not want your last rejection to go as if unnoticed, because that then reflects poorly on my part Ive also been viligant in responding and communicating with you And should you need my assistance in the future please do not hestitate to call Kindest Regards, David [redacted]

Ms [redacted] , Thank you again for allowing me the opportunity to speak with you regarding your decline on December 6th to Best BuyTo address your current concerns regarding funds verification of your check at the point of sale, as I advised when we conversed, if you wish to have a check denial overturned it is advised that you step aside, as to not hold up any customers in line Once you contact TeleCheck, if applicable, we would have to verify your information including funds availability before the check is approved I do apologize that this is unsatisfactory to you however, due to TeleCheck being a check guarantee/verifications company this is part of the procedure that must be followed Additionally, as I also advised, this is not to say that all transactions processed through our system will be declinedOur records show that you have presented three (3) checks since your decline on December 6th to [redacted] and [redacted] , all three transactions were approved by TeleCheck Again, please feel free to call me directly at the phone number provided below if you should have any additional questions or concerns I am available from 8:a.mto 5:p.mCentral Standard Time; Monday- Friday Velvet W [redacted] 1-888-612- ext [redacted]

[redacted] We want to promptly assist youI attempted to speak with you by telephone on the afternoon of December 9, 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 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 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 W [redacted] [redacted]

Dear Mr [redacted] Thank you for the opportunity in speaking with me today As it was discovered the informaiton (collection notices) were not intended for yourself, but rather for your son [redacted] *** As we discussed based on the information provided, [redacted] would need to be contacted for any further collections information and/or resolution I did advise you that the information has been cleared in TeleCheck system At this time TeleCheck deems the matter as closed Please at your convenience notify the Revdex.com that that matter has been resolved so that they may close the issue as resolved If I can be of any further assistance in the future please do not hesitate to call me directly [redacted] ***