TeleCheck Services

Mr***, Please allow me to begin by apologizing for the inconvenience caused to you and your wife when presenting a check to [redacted] In reviewing your file, TeleCheck shows no previous check writing history on file with our merchants for this particular accountUnfortunately, due to the lack of history in our system and the dollar amount of the check, our system was unwilling to guarantee to the merchant that this check would not returnTeleCheck does not have access to any type of system that can verify “any” account with a financial institutionAll TeleCheck approvals/declines are based on the information in our databaseIf a consumer receives a Risk Decline, such as you did, the merchant is prompted to advise the consumer to contact TeleCheck so we may verify the consumer’s information and provide the reason for that particular declineIf applicable, TeleCheck may contact the consumer’s financial institution for funds verification Some banks will not release this information however, if we can verify the funds for the transaction are available, the decline may be overturned and the check may be reprocessed and approvedTo try and assist, the representative also offered to migrate the check writing history from another account that you may have previously or currently held that has more of a history in our systemAdditionally, the merchant always has the final decision on accepting any check that is processed and in many cases have done so I hope the above explanation has supplied you with satisfactory insight into what occurredAgain, we regret any inconvenience caused and hope that, in the future, any dealings you might have with TeleCheck are beneficial Thank you for your consideration in this matter Please feel free to call me directly at the phone number provided below if you should have additional concerns or need further assistance I am available from 8:a.mto 5:p.mCentral Standard Time; Monday- Friday Velvet W [redacted] 1-888-612- 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 I am unable to print the response I would like to have a copy for my records How can I obtain a copy?

Hi Ms***, Thank you so much for taking the time to speak with me on Monday I have since reached out to [redacted] ***'s TeleCheck Relationship Manager to confirm their request to remove the collection record that TeleCheck is currently reporting I'll give you another call as soon as I hear from them Thanks, Sal

Hi Mr [redacted] , Thanks for taking time to speak with me today 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, ***

Dear Mr [redacted] , The attached response is a request for your company Bank Numbers listed at the bottom of your checkThat information is being requested so that we can research this matter and respond accordingly I also attempted to contact you via telephone and was unsuccessful, a message was left for a return call Sincerely, David [redacted] 1-888-612-ext

Dear [redacted] Thanking you for opportunity to assist you I also appreciated your patience in this matter As we discussed I was able to rectify the matter of your refund and received a confirmation that your refund had in fact been processed when I requested it be done on [redacted] 1, I was elated to hear from you this morning confirming your refund had been received If there is any further assistance you may need in the future please do not hesitate to call me direclty I am available from 8:am to 5:p.mCentral Standard Time Kind Regards, [redacted] *, ext ***

Dear Ms [redacted] , Thank you for taking the time out today to speak with me As I expressed on our telephone call, I am deeply sorry for your loss and I am saddened the end result of your check decline was so tragic Just to reiterate, the risk decline occurred primarily due to little history in TeleCheck's system as well as the check amount being rather large If for any reason you may need further assistance please feel free to contact me directly at [redacted] ext [redacted] Or you may contact my department directly, [redacted] , between the hours of 8:am to 5:pm Central Standard Time Monday through Friday Kind Regards, Velvet W [redacted]

Dear Mr [redacted] , I attempted to contact you via telephone at the phone number provided in your complaint I apologize for the confusion on the phone number to call me back at its [redacted] ext [redacted] If you would please provide some additional information so I may research your inquiry The information is listed below: __X___ Your driver’s license or other state-issued identification __X___ The bank numbers listed from left to right at the bottom of your check from the account in question Kind Regards, David F [redacted] Available from 8:a.mto 5:p.mC.T

Dear Ms***, As I indicated in my previous response to your rejection At no point did I lie to you Whether you believe your status was updated or not is beyond my control I know I placed your status at dispute, and it remains at dispute status at this time Furthermore, I indicated to you your file status was in the process of being placed at dispute Now during the moments your information was being re-processed for your new account inquiry, your file was also in process of being changed to dispute status I, as indicated in my previous response to your rejection, apologized for not knowing the exact moment your transasction was being processed And I also indicated to you that I have requested a copy of the Electronic Signed Receipt from the merchant reporting the returned check and once that is recceived that will be forwarded to you And if it so happens the receipt can not be obtained the item will be cleared [redacted] - [redacted]

Thanks for taking time out of your day to talk to me on [redacted] *** Per our conversation, your [redacted] banking numbers was mistakenly associated with an active debt record in TeleCheck’s system This technical error resulted in a decline of your check Please be assured that this problem has been corrected and your file has been modified accordingly However, there were additional declines not related to the decline previously issued; on your [redacted] banking numbers The declines received on the [redacted] bank account was the result of predictive risk scoring that associated a relatively high level of risk with the transaction The merchant’s decision to initially decline the transaction based upon information provided by TeleCheck was not based on evidence of unpaid debt, account balance, or other banking status, and no indication was ever given to a 3rd party that your check was unacceptable because of evidence of this nature I have since made additional updates to both of your accounts to help you avoid receiving these type of risk declines Lastly, I’ve also reached out to TeleCheck’s customer service/call center management team to advise them of the unacceptable service you received from agent [redacted] that disconnected the phone call during your conversation Please feel free to contact me at phone number [redacted] with any questions or concerns I’ll be glad to help Thanks, [redacted] Senior Processing Specialist Customer Resolutions

Dear Mrsand Mr***, I wanted to thank you very much for the opportunity in speaking with me As I indicated I have been in process of getting this matter resolved and cleared The attached response, which was also emailed to Mrs***, confirms the item has been cleared Should either of you need my assistance or have any concerns, do not hesitate in letting me know Kind Regards, David [redacted] 612- 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

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 The lady that indicated that I would have to call them each time to get prior approval This sounds illegalMy sister works at the bank where this account is held Funds are deposited daily [Provide details of why you are not satisfied with this resolution.] Regards, Marla ***