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. Most of the information in your reply is not accurate. I contacted Telecheck more than 20 times in a two week period, as is proven by the recorded calls made in our newsroom. I specifically asked if there were any other issues, and told no, despite the fact that I am now told that a check for [redacted] did not clear on 12/4/15; a full 3 1/2 prior to those calls. I do not write checks on [redacted], and have never written a check to [redacted].In addition, I did request verification of the debt on January 9th, 2016, and finally received a history in the mail 6 weeks later. All inaccuracies have been noted, and a response sent to the state, our attorney, and Telecheck. I see thousands of complaints regarding Telecheck, and spoken personally to many businesses who may have used Telecheck at one time, and dropped them because of questionable behavior. Although my story is one of thousands, as an investigative journalist, I know precisely who to speak to regarding this type of behavior, and hopefully get resolution for those who don't know where to turn.Thank you for your time.
Regards,
[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

Sent: Friday, April 24, 2015 2:55 PM To: drteam Cc: [redacted] Subject: REQUEST FOR ADMINISTRATIVE CLOSURE FOR [redacted] COMPLAINT#[redacted]   Good Afternoon,   Please see the actions that TeleCheck has taken in order to resolve this complaint:   •             TeleCheck uploaded a response to Ms. [redacted]’s complaint to the Revdex.com portal on April 3rd, 2015, regarding her new account inquiry  dated March 20, 2015 for Ms. [redacted]’s review. This response referenced our discussion on March 27, 2015, and a request was made for the Electronic Check Transaction Signed Receipt and a confirmation of her file status once the investigation is complete.  More importantly, I attempted on March 27, 2015 to call First United Bank at 3 different phone numbers and conferenced Ms. [redacted] all 3 times at the following phone numbers, the first: [redacted] referred me to [redacted] which in turn referred me to [redacted], and was advised with Ms. [redacted] on the phone that the bank would not release any information over the phone and she would have to come in and request research on the matter.    •             TeleCheck sent a response to Ms. [redacted]’s complaint regarding her new account inquiry  dated March 27, 2015  which was uploaded into the Revdex.com portal for Ms. [redacted]’s review on April 3rd, 2015. This response was in reference to her rejection of the above initial response regarding her denial of her new account inquiry on March 27, 2015, and her indication that I did not place her file status at dispute.    •             TeleCheck sent a response to Ms. [redacted]’s complaint regarding her rejection which was uploaded into the Revdex.com portal for Ms. [redacted]’s review April 13th, 2015.   •             TeleCheck sent a response to Ms. [redacted]’s complaint regarding her rejection which was uploaded into the Revdex.com portal for Ms. [redacted]’s review April 16th, 2015.   Once the last response from TeleCheck was rejected on April 21, 2015, and the consumer refused to contact the financial institution with the additional information provided in the response dated April 21, 2015,  I took the liberty of calling [redacted] at [redacted] on April 23, 2015, and spoke Ms. [redacted] in the ACH Department.  I provided Ms. [redacted] with the Returned Trace ID Number, check number, account number, and date of Electronic Check Transaction.  Ms. [redacted] indicated she would reach out to Ms. [redacted] and explain her findings regarding the returned check Ms. [redacted] is alleging TeleCheck is attempting to extort money for.  Ms. [redacted] called me back and confirmed she was able to contact Ms. [redacted] on April 23, 2015, and indicated Ms. [redacted] did not advise her what she was going to do about the findings Ms. [redacted] advised her of.      Thank you,   [redacted]