TeleCheck Services, Inc.

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

Mr. [redacted],
 
We want to promptly assist you. I attempted to speak with you by telephone this afternoon however, you were not available. 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]
[redacted]  [redacted]

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" type="#_x0000_t202" o:spid="_x0000_s1026">




IMPORTANT NOTICE:
[redacted]
[redacted]
IN ALL FUTURE CORRESPONDENCE




October 24, 2014
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 [redacted]  *
On October 22, 2014, 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 investigation. 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 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 dispute. The 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: [redacted]
If you have any additional questions:  Please contact the Resolutions Department at [redacted] Monday-Friday 8:00 a.m. to 12:00 p.m. CST and from 1:00 p.m. to 4:30 p.m. CST.
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,
[redacted]
Resolutions Department
cc:  Revdex.com of Metropolitan Houston
       Attention: Dispute Resolutions Department
       1333 W. Loop South, Ste. 1200
       Houston, TX 77027
I will also attempt to contact you by email.                                     ...⇄
                                        ...⇄                 [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.  
I am unable to print the response.  I would like to have a copy for my records.  How can I obtain a copy?

Ms. [redacted],
Thank you for the opportunity in speaking with me on July 30, 2015 - 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]
1888 612 7431 ext 2306116
8:30 a.m. to 5:00 p.m. 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]

Dear Ms. [redacted],
I contacted you this morning via telephone and left a message for a return call.  I wanted to inform you that I have submitted a request for confirmation of your claim to another area, once that response is received, a response will be completed and submitted through...

the Revdex.com portal for your review. 
Kind Regards,
David [redacted]
1888 612 7431 ext. [redacted]
8:30 a.m. to 5:00 pm. C.T.

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 this. The 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.

Ms. [redacted],
Thank you again for allowing me the opportunity to speak with you regarding your decline on December 6th to Best Buy. To 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 declined. Our 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 8:30 a.m. to 5:00 p.m. Central Standard Time; Monday- Friday.
Velvet W[redacted]                                  �...⇄                              
1-888-612-7431  ext. [redacted]

From: Vernecia [redacted] [mailto:vernecia[redacted]@gmail.com] Sent: Monday, November 09, 2015 12:49 PM To: drteam Subject: Re: You have a New Message from Revdex.com Regarding Complaint #[redacted] Thank you for helping me with the telecheck matter. It has been resolved in a positive way.  Vernecia [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.

Mr. [redacted].
Thank you for the time you took in speaknig with me this morning.  As I indicated your response regarding our conversation is enclosed for your reveiw.  I also I have received confirmation your information has been updated in [redacted] System. Should you need any...

further assistance my phone number is below. 
Kind Regards,
David [redacted]
1888 612 7431 ext 2306116

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 2 months from no vault on my own.

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 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 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 W[redacted]

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, 2016
 
 
 
[redacted]
[redacted]
[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]
[redacted]
n/a
[redacted]
n/a
3/19/2010
[redacted]
$76.76
Inactive
 
[redacted]
[redacted]
n/a
[redacted]
n/a
04/02/2010
[redacted]
$200.91
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 5 business days of its occurrence.
                                        ...⇄
If you have any additional questions:  Please contact the Resolutions Department at (888) 612-7431 Monday-Friday 8:00 a.m. to 5:00 p.m. CT.
 
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]

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

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" type="#_x0000_t202" o:spid="_x0000_s1026">
IMPORT[redacted]
                 
November 4, 2014
 
 
 
 
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
 
[redacted]  ,
 
On October 31, 2014, 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, & Phone Number
 
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 investigation. 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 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 dispute. The 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., P. O. Box 4513. Houston, Texas 77210-4513.
 
If you have any additional questions:  Please contact the Resolutions Department at (888) 612-7431 Monday-Friday 8:00 a.m. to 12:00 p.m. CST and from 1:00 p.m. to 4:30 p.m. CST.
 
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,
 
[redacted]
Resolutions Department
 
cc:  [redacted]
       [redacted]
       [redacted]
       [redacted]
 
I also called and left a message for you on [redacted]                                                                                                                                                                                                           ...⇄                                                                                                                                                                                                                                                         ...⇄                                         ...⇄                                                                                                                                                                                                 [redacted]

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 code. Unfortunately, we cannot forecast if a check will be approved or declined before it is presented. This is the reason I have provided my direct contact info for further assistance if needed in the future. Due 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 3 decline. We 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 declined. Being 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 so. TeleCheck 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 recommendation. Again, we regret that you were inconvenienced and hope that, in the future, any dealings you might have with TeleCheck are beneficial. Should you have any questions, please do not hesitate to contact me directly.
Sincerely,
Velvet [redacted].

Dear Mr. & Mrs. [redacted],
 
Recently, [redacted] Racing submitted the following transaction to TeleCheck for pre-acceptance review and advice:
 
[redacted] – June 12, 2016 - $157.24 – Check Number [redacted]
When TeleCheck reviews checks for acceptance it first looks to see if the account the check is written on matches with debt records in its database of unpaid checking account debt.  If there’s no match, it will go on to analyze the transaction for risk, using several statistical risk models.  If the transaction scores bears risk indicators which cause it to score to a certain threshold of risk, TeleCheck will signal to the merchant that the transaction scores as a risk.  This happens without the presence of unpaid debt or a funds check to the account.
 
The signal TeleCheck sends to a merchant when it sees a transaction score for risk is referred to internally as a “Code 3.”  A Code 3 does not indicate a check writer has unpaid check debt recorded in TeleCheck’s data systems.  It doesn’t indicate there are insufficient funds in the check writer’s account to cover the check.  Rather, it indicates that the transaction scored for potential risk of returning unpaid, based on a statistical review of its characteristics. 
 
In the case of the above referenced checks, the transactions were declined primarily because of:
 
·         This account or ID has not built up sufficient history in our system to support your recent transaction activity.
 
“Code 3” declines are not reported to other credit reporting agencies or credit bureaus and they do not have an effect on your credit score. Furthermore, TeleCheck does not have access to your financial records.
 
Please rest assured that adjustments have been made to your TeleCheck file to lessen the likelihood of risk declines on your future check transactions at TeleCheck merchants.
 
We sincerely regret any inconvenience or embarrassment you may have experienced as a result of this process.  The changing marketplace has brought new challenges to merchants, particularly in the area of payment risk.  Greater losses from identity theft and fraud require heightened vigilance in the review and acceptance of payment transactions. TeleCheck’s services help merchants control fraud-related losses, and controlled losses benefit everyone, including consumers.
 
Thank you for your patience with our efforts to reduce fraud-related loss.  You can learn more about TeleCheck’s risk analytics by visiting / [redacted]. 
 
Please feel free to contact me at 1-888-612-7431, extension 230-6130 Monday-Friday 8:00 a.m. to 5:00 p.m. CT.
 
Sincerely,
[redacted]ante Wise – Senior Resolutions Specialist, TeleCheck Services, Inc.

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.  
Sending me a formatted response that has nothing to with my complaint is unacceptable. Will someone do their job. Do not send anymore attachments! I will not accept any emails with attachments. Respond to my complaint. Address all points I have made in my complaint in my email. If you are not the person that has this ability, then move my complaint up the chain of command. I want my complaint resolved based on the points I am making in my complaint!
Regards,Rebecca [redacted]

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 #1 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 $3 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. [redacted]) 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 1 year.  Falsehood #2.