TeleCheck Services

My story like almost all others:
-check declined (on two different days for same purchase) with $23,000 in account
-called from merchant's location
-spoke with a difficult to understand, heavily accented (Indian as if it matters), rude customer service rep
-they must read a script because I got an almost verbatim explanation as most of these other reviews (same on other sites, from different people)
- blah, blah not enough history, blah blah write more checks, blah, blah corrected in system, blah, blah wait seven days but try again today anyway
-new check also declined
-I have lived at same address for 21 years, had this checking account for 29 years, written checks worldwide but Telecheck is the ONLY one I have problems with
-Checks have been declined before and I have simply dismissed it. At one merchant I called and they actually solved the issue while I was there! I see from posts Walmart uses Telecheck; that's the one I have a repetitive denial from
Telecheck responds to reviews with the same identical reply. On the complaint side the replies at least are written as an attempt to placate the writer. It still is lip service but allows the Revdex.com to rate them as an "A+"!
Revdex.com, I lost complete faith in you today!

I cannot get my case expedited to higher management to help resolve my case. Emails are being submitted with no further action.
I have faxed over documentation proving that I have no past or previous obligations with any institution in which Telecheck can remove any negative remarks or codes off my name to allow to me to open up an checking account this matter has been going on for over a month, when calling to check the status of my case no resolution is giving just a new case number. When asked to speak to management no one is available in that department.

Stolen checks cashed at Walmart; TeleCheck won't accept my checking account to local retailers.
HERE IS THE THIRD LETTER I SENT TO TELECHECK, INCLUDING A LETTER I RECEIVED BACK FROM TELECHECK ACKNOWLEDGING FRAUD:

Date: 2/19/20

TO: Monica Papillon
RE: Declined checks due to forgery (Tracking numbers: 24010 and 17209)

Dear Monica:

I contacted your company back in 2016 to resolve a discrepancy regarding my checking account. I was, and am still, having my checks denied by local retailers due to your company rejecting my checks. The original problem arose back in 2012 when someone stole my checks out of my mailbox, and fraudulently wrote 6 checks at Walmart. I, of course, had nothing to do with Walmart accepting these fraudulent checks, and I immediately reported it to the local police. The Bartlett police made out a police report exonerating me, which I sent to your Resolution Department back in 2016 (see attached form letter from your Resolution Department acknowledging this mistake). Unfortunately, your company continues to list me as an active case, and as such, my checks continue to be denied.

I have talked with my lawyer and he suggested I again send you a letter explaining your mistake. Please fix your records so that I no longer have my checks denied by retailers. Also, please respond to this inquiry and tell me your decision in writing. Thank you.

*** C. IN 2015, I SENT TELECHECK A LETTER EXPLAINING THEIR MISTAKE, ALONG WITH THE POLICE REPORT MADE OUT BY THE BARTLETT POLICE.
IN 2016, I AGAIN SENT TELECHECK ANOTHER LETTER ASKING THEM TO RELEASE MY ACCOUNT, ALONG WITH THE LETTERS I RECEIVED BACK FROM THEM IN 2016 ACKNOWLEDGING FORGERY. ON JANUARY 20, 2016 TELECHECK RESPONDED TO ME ACKNOWLEDGING FORGERY ON THE 6 CHECKS IN QUESTION (SEE ATTACHED FILE BELOW). YET I STILL AM HAVING MY CHECKS DENIED AT LOCAL RETAILERS.

Multiple return checks and transactions that were unwarranted. They put a hold on our insurance check we received beacuse our house burned down - they had no right or reason to do this.

My check was denied, was told to write another on, it was also denied. I called the number 1-888-223-4085, couldn't resolve.
.My check was declined with code #3, I was so upset and embarrassed. I even spoke to the Walmart manager. She told me it wasn't Walmart and I didn't have a bad check from looking a the denial code.
Telecheck is not a certified or governed company. They have no quality control and basically do what ever they want with no regulations. This is so wrong, a company with no supervision. I felt like a criminal! It felt like I was discriminated because I am Hispanic. When I called the call center, some one with an Indian accent (which I could barely understand), told me that she would approve the check. I was already home! I will not shop at Walmart until they either regulate Telecheck or get rid of them. And it is Walmart that is letting this bad behavior thrive. I am so very tired of being taken advantage of by unscrupulous companies.
Walmart should look into their relationship this Telecheck.

Telecheck is horrible.
We have used checks for vendor payments for our business for over 30 years. We have NEVER bounced a check. This year for the first time, our checks were declined at two different vendors who have taken our checks in the past. They explained that their company started using Telecheck. I also wrote a personal check last month. It was declined. I have NEVER bounced a check on my personal account.
It appears that in order to have a check accepted by Telecheck, you have to give over a large amount of personal information. What does Telecheck need with that kind of detail?
I will no longer use a vendor who uses Telecheck.

This is an awful company to deal with. I have been in business for 25 years and have NEVER bounced a check and have excellent credit. We recently switched banks and ever since regardless of the merchant, it they use Telecheck our check is declined. You can not speak with anyone in this country, they outsource everything and no two customer service representatives will give you the same answer. When asked to speak to a supervisor, "Steve" informed me that he could not tell me why the checks were being declined and they would be decided case by case. We were told to all the 800 number right away if declined again. We went to merchant, check was declined and we called. The newest customer service told us that we are being denied because of excessive declined checks and that they would not be approving any of the company's checks for this reason. At this point, I believe my attorney will be getting involved because this is causing me not to be able to do business as usual. ALL merchants should stay away from this fraudulent company.

Telecheck has denied my payment at the most inconvenient times!! I have no past history of fraud nor insufficient funds whatsoever. Very disappointed with this company

I ended up having to deal with this company because I accidentally made two online payments, one check and one via credit card. When the error was realized, my bank immediately assisted with cancelling the check payment (so I wouldn't be charged twice) while letting the credit card be processed. Then days later I receive a collection notice wanting me to prove the reason why I chose to cancel a check. They stopped me from being able to submit check payments. I was asked to fax proof multiple times. I received a letter with a name and contact number at which this person wouldn't respond. The communication is inconsistent and I haven't been able to resolve this weeks later. Each call im told that my dispute can take 30 days. At this point I hope to NEVER need to cancel a check again because this still isn't resolved after 4 faxed sets of my account documents confirming that no payment is owed. I'm choosing to submit this review as my way of notifying the public because their management team seems to be nonexistent.

So for 2 days straight I have tried to write checks for groceries and was declined. Plenty of money in bank. When I called 1800# this outsourced business "Telecheck" has a person that I can hardly understand because of their accent, ask me all kinds of personal information including my license #. This person told me that they have the right to deny your ability to useyour check to withdraw funds from your bank?

I pay my cell phone bill to *** every month online w/ an echeck. This month it was denied for no reason given. According to ***, they actually tried to put it through 7 times even though I tried 3 before using my debit card successfully to make the payment on an 8th attempt. I called Telecheck to find out why just like they told me because even *** had no code or idea as to why it would be denied. My account is great w/ them and the girl there thought it was strange, especially since the debit card processed in seconds and already posted to my bank account. (obviously the funds were there!) So *** thought this was out of ordinary as well.
When you call in to Telecheck, there is an automated service that asks for your personal information and goes on and on. Some including the check # denied (which in my case there was only a routing and account number used - so I had nothing to enter anyway and no way to get to a person). If you go online, it asks for your drivers license info, which has nothing to do with the transaction, so I chose to call in. It takes forever to talk to someone and even then, they can't help you. Not sure what their job is other than taking calls and tell people nothing. All they could tell me is that I should "write more checks and that I don't have a "history" with them". He told me they don't check our funds, look into your account, or check your credit rating (so not sure how they know the check is good or not). I told the guy that makes no sense at all. If it is there job to make sure the check is good, then you should be checking the funds not a computer system that questions if the account has been used. He also told me I have only used the account 3 times, yet I have used over 50 checks from this same account plus echecks like this transaction was in the last few months overall and used the same checking account echeck for over 5 months with the same merchant. So, him saying I've only used it 3xs is a lie since I have paperwork showing I've used it more than 5xs w/ the same merchant. He had no answer, just that I should "write more checks and have a history w/ Telecheck". He had no answer as to why I could write the first 3 he could see in his system w/o history, but not the one today. Also he told me I didn't use the account or merchant more than 3 times. They claim they are in legal reason to deny a check just because of "history". I find that hard to believe. I told they guy this sounded like a computer error, but he just said there could not be a computer error and this was right and nothing he could do. I could go before a judge w/ and prove that wrong with my paperwork from both my bank and *** to show that is wrong. I told the guy that and he hung up on me.
I called my bank to report the issue and make sure the 7 (even though I only tired 3xs, *** had 7 failed confirmation codes) echecks that went through Telecheck did not and will not be processed through them. My bank checked my checking, savings, and all our cards to make sure nothing was there and noted the issue. I asked if it was anything they could see and my bank has no record of them even trying and why I would have a check denied. The banker found nothing from them and only the 1 debit card transaction from *** where I was finally able to pay my bill. In fact, my banker said it sounded strange and like their system has a fail. She advised me to keep an eye out over the next month or 2 and report any extra transactions as fraud to them right away and they would take care of it.
I want to know why I have to deal w/ a 3rd party company that I do not do business with. This cost me several hours of my time trying to get things worked out just to pay a bill that should have taken seconds. I don't even get a choice in this matter. I want to know why numerous complaints are being put in for this company messing with people who are in the good for the same reason we were told and they are allowed to continue. We had well more than enough in our account several times over for this check. We have NO late payments. We have NO late fees. We have a credit score of almost 800. Yet, I can't even pay my cell phone bill w/ a check because of a 3rd party person that the merchant choose to use? Looking it up ***, ***, *** and several grocery lines were listed in the complaints I saw as well. I want to know how this is even legal? It's outright discrimination when you say it is "history" of what you have and not actual history of the checking account. It is also fraud that they are stating to me as I have proof of otherwise even if their computer says otherwise. Caused duress and could cause defamation as well, although the guy claims they don't report to credit agencies. No offense, but I have you on more than 1 lie, so I have no reason to believe a thing they say.

I wrote a check to *** for groceries today and my check was denied. I called TeleCheck and got the run around after volunteering personal information in order to get help. This action left me with an uneasy feeling as to what they do with the information. I did not receive help after giving the data to them, and their customer service was really bad!!! If I had means to have *** use another service for validating checks, I wish they would use it!!!

My wife sent a $40 heck to our niece and the checking account information was stolen and use for a $1500+ purchase at ***. It was refused on our banks end and a stop payment was made on the check. A fraud use was the issue and our checking account was closed on our end to protect ourselves and my wife was in contact with telecheck was in constant contact with telecheck. Now all of a sudden they are contacting me and not wanting to discuss anything with my wife using they're so called TRS collection company to collect supporting evidence. How they got my information and number is beyond me when telecheck was in contact with her. Low low low and contemplating hiring an attorney for harassment since telecheck told my wife the issue was resolved.

Lost my debit card and had ordered a new one. In the time needed to ship, I had a situation where I needed to make a purchase for school. Drove 35 miles to a retailer with a check from the same account. The check was ran through Telecheck who issued a 7 digit decline code. After calling Telecheck was informed that it was due to the lack of history of checks ran through their system from my account and nothing could be done. Wasted 60 miles of fuel and over 2 hours of my time. I run a business who also utilized Telecheck and never encountered this situation - we will not be using their services come Monday.

For two years Telecheck has denied my checks.They've told me it's because:
- I don't have a profile
- My accounts are not shown
- I must have a new account
- as of 12/12/17, Telecheck would not give me any information about why it was denying my checks until I give them
- my drivers license,
- social security number,
- date of birth,
- names of all banks, routing and bank account numbers
- name, address,
- only after giving them all of this information they told me I owe Telecheck $74.00 for a bad check and $32.48 for returned check by the vendor -Telecheck says it paid the vendor on my behalf. I called the vendor, who says they have no record of payment method, but show I have a zero balance with the vendor.
BEWARE:
1) When you call Telecheck, at 800-697-9263 or 800-366-2425 or 800 366-1048. you are calling a private contractor in Manilla, the Pillipines.
2) Telecheck is a debt collector.
Their debt collection business is in Houston, Texas.The debt collection branch is known as

Telecheck has rejected 3 checks at 2 different grocery stores. My FICA rate is over 800 & there was over $600 in my checking account.There was no reason given except my account was too new.

Review
I had a very aggravating experience with this company this morning that is throwing my whole day off. It started with a denial when I tried to use my checking account to send money to my brother. It kept getting denied and I knew I had money in my account. I called the merchant and they said it's not us it's TeleCheck. Now I had an education when I found out what TelecCheck, the middleman, does. They are supposed to prevent fraud by looking into someone's check history. What they do instead is tell me that I don't have history with one particular vendor. The so called customer service is a disaster. First, it is impossible to get anyone on the phone. Unless you go to consumer websites that will help you with a phone number, their listed numbers are useless. You can't get a human on the phone, you get disconnected and it is automated and only works if you have an actual check, not a virtual merchant who runs transactions online. In this day and age I have to assume there are a lot of transactions, whether they are run as checks or not that are away from paper checks. When you finally get a human on the phone, after 45 minutes of frustration and calling any phone number you can find, and holding, and holding some more and getting disconnected, that human happens to be the rudest person on this planet. Why do companies such as TeleCheck assume that consumers are *** who you can chase away after reading a scripted text that makes no sense and does not apply to the situation at all. I was told I have no check writing history and that the parameters are what they are and no one can change them. I told her to stop reading the script and tell me why my transaction was denied. She became defensive saying she already told me. I told her I have decades of good check writing history. She said not with this merchant. Seriously? What kind of system is this. I told her their parameters are ridiculous and she started pretending we had a bad connection. No I really lost it because I know the connection was fine and she was playing a game. No one likes to be played, especially by a useless, rude person who has no self respect and takes no pride in the work it does. After pretending to have a bad connection I told her I had to write to Revdex.com and then all of a sudden the phone line worked (must have been a miracle) and she said I should just wait the 7 days. Eventually she read the script again and kept asking if there was anything else she could do to help. She couldn't help with my original question of why the denial so obviously she was kidding me. She just hang up. I think they are a poor excuse for a company. I hate mediocrity and the company along with their "customer service" employees are as mediocre as they come. If you are going to get in the middle of someone's transaction and life for that matter (emergencies cant wait 7 days) you should at least know what you are doing and try to do it right, or at least make it right instead of treating everyone who doesn't understand the arbitrary "parameters" they have and cant explain, like is. Terrible experience!!! I feel unauthentic giving the one star when it should really be -1,000 stars. They should be allowed to do business like this.

Horrible, horrible company. Useless, unhelpful "customer service."
I pay my bills by phone every month using my credit union checking account, no problems. But I had a rude awakening this morning when I found out that, unbeknownst to me, Telecheck is a middleman, approving or disapproving every transaction.
Per my usual practice, this morning I went through the *** automated system to make my monthly payment, got all the way through the process, then at the end got a message to the effect that the transaction was declined, please call Telecheck at (877) 678-5898. I called Telecheck and "talked" to a person with a heavy accent, who said something must be wrong with my checking account. So, I called my credit union, thinking maybe it had been hacked and all my money stolen - but found out, thankfully, that my account is fine. Then the thought occurred to me that maybe the Telecheck thing was a scam to collect my personal information, a real bummer of a thought.
So, I called *** and talked to a real person, who verified the Telecheck phone number and assured me all was ok as far as identity theft/scamming were concerned. The *** person then tried to put my payment through again. No dice, declined by Telecheck.
Once again, a phone call to Telecheck to "talk" to another person with a heavy accent. This person said that their database showed that I have no check writing history. What?!?!?! I am 62 years old, been writing checks for decades (all good checks), my checking account information hasn't changed, my address hasn't changed, I've been paying all my creditors by phone for years, HELLO??? I have a check writing history!
Okay, we'll update your information, try again to pay *** in 7 days. Well, the payment is due tomorrow, I can't wait 7 days. "I'm sorry for the inconvenience, there's nothing we can do."
Upon digging deeper with this "customer service" person’s supervisor, I was told that Telecheck also was not receiving an ACH number from Sprint, and that was also causing my transaction to be declined. Excuse me, you've been receiving one from *** for years for my payments. And by the way, how is that MY problem? I'm stuck in the middle, just trying to pay a bill which I've been paying by phone for years. No answer. "Try to make another payment in 7 days."
So, *** says everything is fine on their end. My credit union says everything is fine on their end. Telecheck has bad data in their database concerning my check writing history, and also has a problem receiving an ACH number from Sprint. I'm stuck in the middle, unable to pay my bills because of an internal Telecheck problem.
I cannot say enough bad things about how this company operates and their lousy non-existent customer service. Before today I didn't even know they existed. Now they are wreaking havoc with my normal, run-of-the-mill bill paying because of THEIR problems, THEIR bad data which it seems no one there can correct.
If I could give Telecheck a negative rating, it would be a minus 50 stars.

This company is exactly the fraud they purport to prevent for merchants. Had a check denied recently on my business account. When I called, I was told it was denied because they didn't have my information in their database. And since it is determined by analyzing check writing habits, they couldn't make a determination on a $40 check. (The account is 18 months old, and has written hundreds of checks. Apparently just not with Telecheck merchants)
I was asked for a bunch of information, like address, DL, and DOB. And told that in the future it should be analyzed when I wrote a check. I stated that this was a poor business model, because they were not protecting the merchant, only making sure that I had to register with Telecheck first. At this point I was told I hadn't been "denied", (despite three slips printed by the merchant showing "denial#s", so there must be some legal ramifications involved with denials that theshe didn't want to deal with), but that in the future I should be good. I asked what happened if I didn't write a check with them regularly, and was told that it might be denied. At this point I decided I wanted to have my information removed from their database, and I'd just refuse to use merchants who used Telecheck. They refused and said that now that it was in their system, they couldn't remove it. In this day and age of data breaches and personally identifiable information protection, this surely can't be the case.
For those business owners out there, I'd urge you to shy away from using Telecheck. Their analytics aren't based on actual risk analysis except in house subscribership, and are likely to put your customers out, for no other reason than they haven't used the service regularly. It's a customer service model you don't want to expose your customers to.

I was making purchase chk was denied code 3 I called 3 times they updated file I returned to finish purchase denied again I called talked to manager still I am unable to use my checks cause these people are incompetent