TeleCheck Services, Inc.

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 Mrs. [redacted],
We want to promptly assist you.  At this time, however, we have not received sufficient documentation. With 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 TeleCheck. The 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 8:30 a.m. to 5:00 p.m. Central Standard Time
David [redacted]-F[redacted]
1800 927 0599 opt. 1, ext [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.

Hi [redacted], 
Thank you for taking time out of your day to talk me again about the code 3 risk declines your wife received.  As we discussed previously,  the check transactions were submitted by  merchants [redacted]...

[redacted]. to TeleCheck for pre-acceptance review and advice.  TeleCheck’s assessment of the transaction included analysis utilizing a statistical risk model.  TeleCheck generated a “Code 3” – a risk-based decline – based on its analysis.   I can't apologize enough for any inconvenience or embarrassment you may have experienced as a result of this advise.  I have since made updates to your account to help avoid these types of declines.  I've also reached out to TeleCheck's Customer Service Call Center management to advise them of the unacceptable service you received.   Please feel free to contact me at phone number [redacted] for questions or concerns.
 
Thanks,
[redacted]

Hi Mr. [redacted], 
Thanks for taking the time to speak to me today.  Per our conversation, we will get back together on Friday, October 7th, to make a conference call to your bank to verify the funds in your bank account so that I can set the account for pre-approval on your next...

check at [redacted].
Thanks,
Sal

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.  
I have a statement from the bank showing transactions for the month of October 2014 for the account in dispute. First, let me say although I was told that a status of "in dispute" would allow me to write checks and open bank accounts, this is either incorrect or was never done. On 4/9/2015, a check was refused by a local merchant. So, I have no idea if DFF did not know what he was talking about or simply did not do as he said.  Furthermore, the employees of TeleCheck keep suggesting that my bank would have no way of knowing about the alleged insufficiency of funds as an answer to the stated fact that this never happened, to their or my knowledge.  How could that be? I do not accept their position that there is any amount that I owe them.  I will never accept their claim that I wrote a check after the account was closed, I would not and did not, that would have been stupid.  The merchant has no knowledge, the bank has no knowledge, and I have no knowledge of this happening.  That is why I will not allow this extortion.  I dislike to bother my attorney to take on this penny ante poker game, but I begin to tire of it.  I understand that your business model includes filing many bogus claims in hopes that someone will give you money, but it is my option to fight this right up to my last breath, if necessary, which it will not be.  
Regards,
[redacted] B [redacted]

Ms. [redacted],
As you may know, TeleCheck offers check verification and check processing services to merchants nationwide. With this service, numerous merchants have agreed to accept checks that otherwise would not. In 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 institution. If there is such information, TeleCheck so advises the merchant. The merchant, however, always has the option of accepting the check anyway and in numerous instances does so. Once 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 check. In order for TeleCheck to cut down on instances such as this there are certain procedures in place. One of which you have already experienced.
Per our telephone conversation on July 15, 2015 I advised that the particular declines you received on June 2, 2015 at [redacted] and on June 28, 2015 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 available. A temporary hold was placed on your account in our system until funds verification could be made or until the block automatically rolls off within 7 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, 2015.  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 use. However, I do see that all checks that have been approved through our system have cleared and not returned. I 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 8:30 a.m. to 5:00 p.m. Central Standard Time
 
[redacted]
1-888-612-7431  ext. 2306129

Dear MS [redacted],I have received your Revdex.com complaint and I would like to discuss this issue with you. I tried to reach out to you via telephone on 05/15/2017 and 05/17/2017 which I was unable to reach you. However I did leave a message for you. Please give me a call at the contact...

number listed below.SincerleyMiriam [redacted]800-927-0599 ext 23061258-4:30PM CT

Dear Mr. [redacted]
Your complaint has been received and a validaiton request for those orders has been submitted to [redacted].  Once that information is received the validation information along with a Results of the Reinvestigation letter will be forwarded to you  If the...

information requested can not be obtained, you will also receive written notification of that as well. 
The information has been placed at disputed status during the investigative process.  Should you need any further assistance please do not hesitate to call me directly. 
Thanking you in advance for your consideration in this matter. 
Kind Regards,
[redacted] [redacted]

Dear Mrs. [redacted],
I would like to thank you for the opportunity in speaking with me. 
I wanted to advise you that I received a response from our [redacted] Account Manager that an email was sent to you from [redacted] with instructions of making payments for your orders we discussed, as...

you indicated you are more than willing to resolve with [redacted] directly. 
And the information below with regards to any further questions may be addressed at: 
For further information or questions about these transactions, you can contact [redacted].[redacted] Customer Service at [redacted]. You can also reach Customer Service by calling 1-[redacted].
Again, I appreciated your patience on this matter.  And should any further assistance on this matter be needed please do not hesitate to call me directly
Kind Regards,

Mr. [redacted],
The two transactions on file for [redacted] were returned from your bank due to the account being closed. When a transaction is processed through TeleCheck’s system we are not immediately provided with the status of your account. It may be approved and accepted through our system but show as a pending status with your bank but the funds are not withdrawn at that time.  The transactions in question were processed and approved through our system on June 15, 2016. Your order was shipped on June 17th however; on June 18th the transactions were sent to your account through ACH and returned from your bank as “Account Closed” on June 23, 2016.
Thank you for your consideration in this matter.  Please feel free to call me directly at the phone number provided below should you have additional questions or concerns.  I am available from 8:30 a.m. to 5:00 p.m. Central Standard Time; Monday- Friday.
 
Velvet [redacted]
[redacted]
Sr. Processing Specialist

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

RE: [redacted] Marketplace - December 1, 2015 - $219.46 – CK# [redacted]
 
Dear [redacted]
Thank you for speaking with me today and allowing me to assist with your complaint. Per our telephone conversation I explained the possible reasons for your decline on December 1, 2015....

Below you will find a more thorough explanation of the type of decline you received.
The above-referenced check was submitted by a merchant 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:
Your check writing history and frequency, the check number, the check amount, as well as many others.
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 http://www.firstdata.com/telecheck/telecheck-declined-check.html. 
As advised per our telephone conversation I made edits to your account which will allow you to make future transactions to [redacted] with no denials. I’ve also included your TeleCheck File Report per your request which is attached.
Please feel free to call me directly at the phone number provided below if you should have any further questions or concerns.  I am available from 8:30 a.m. to 5:00 p.m. Central Standard Time; Monday- Friday.
Velvet W[redacted]
1-888-612-7431  ext. 2306129

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,
  Forward to where?

Miss [redacted]
We want to promptly assist you.  At this time, we have not received sufficient documentation to research your complaint. With 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 TeleCheck. The 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 8:30 a.m. to 5:00 p.m. Central Standard Time; Monday- Friday.
Velvet [redacted]
1-888-612-7431  ext. 2306129

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 $[redacted], and [redacted] for check number [redacted] in the amount of $[redacted]. 
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 8:30 a.m. to 5:00 p.m. C.T.
[redacted]
[redacted]

Revdex.com:
This letter is to inform you that TeleCheck Services, Inc. has carried out to my satisfaction the resolution it proposed for my complaint, filed on 12/7/2016 and assigned ID 11864644. 
Regards, [redacted] Newman

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, 2014. 
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 8:30 am to 5:00 p.m. Central Standard Time
Kind Regards,
[redacted]
[redacted], ext [redacted]

Dear Mrs. Deville,
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]
8:30 to 5:00 C.T.

Dear Mr. [redacted],
Thank you for your patience in this matter.  The attached response is a confirmation your refund has been processed and you will receive it 72 hours, and that TeleCheck respectfully declines your request for compensation. 
I do apologize for any inconvenience you expereinece as a result of this matter.  I would also like to provide you with my direct extension should you need any further asstance in the future. 
Kind Regards,
David [redacted]
1888 - 612 - 7431 ext. [redacted]