TeleCheck Services, Inc.

Mrs***,
I attempted to give you a call today however, you were not available
We want to promptly assist you. At this time, however, we have not received sufficient documentationWith 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 TeleCheckThe 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:a.mto 5:p.mCentral Standard Time
Velvet W***
1-888-612-7431 Ext***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. I appreciate them trying to work with me, however a little concerned that I received a letter stating that on 9/a check to *** *** for $dollars and some coins were written. I will contact *** *** and see why this was submitted as I normally use my card. In the report they are willing to receive the information in question.The two reasons you had reject or approve I could not use.If I stated approved you would consider the case closed, so I chose disapprove. I will send tele check the information requested however wanted you to know I had a concerned with the discrepancies of a letter sent to me and what they are requesting.I apologize for the lateness, however I had the flu for over weeks Thank you
[Provide details of why you are not satisfied with this resolution.]
Regards,

*** ***
Thank you for returning my call and providing the needed information to locate your fileAs per our telephone conversation, we have conducted a search for any negative debt item in TeleCheck’s database attributable to your record and have not been able to locate any negative information reported against you. We also show no record of a decline issued by TeleCheck to *** per the information you provided. It appears that the rejection may have been the result of technical malfunction
Thank you for your consideration in this matter. Feel free to contact me directly for any additional issues or concerns
Velvet W***
1-888-612-7431 ext

Dear *** ***,
Thank you sir for the opportunity in speaking with me today. I would like to extend my direct phone number to you, if at anytime in the future I may be of any assistance please do not hesitate to call me. As you requested I have advised my Supervisor and Director
of our conversation.
I would have liked the opportunity to reivew your file, however you deemed it unnecessary at this time. I would like to apologize for any inconvenience. As I have stated if I may be of any further assistance to you in the future please call be direcly.
Thank you again for the opportunity in speaking with me. I am available from 8:a.mto 5:p.m Central Standard Time.
Kind Regards,
*** ***
*** option 1, ext***

Hi Ms***
Thank you for taking the time out of your day to discuss the Code risk declines that you received at *** *** ***
I apologize for the inconvenience that these risk declines have caused you. However, I have since made updates to your account that
will lessen the possibility of you receiving those risk declines at Intown Veterinary Group based on our conversation and conference call with your Align Credit Union Rep Karen at telephone number *** ***
If you have any questions or concerns, please feel free to give me a call at *** ***Thank you

Dear Mrs***,
We want to promptly assist you. At this time, however, we have not received sufficient documentationWith 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 TeleCheckThe 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:a.mto 5:p.mCentral Standard Time
*** ***-***
*** ext***-***

[redacted]
We want to promptly assist you with your complaint. At this time however, we have not received sufficient information to retrieve your file within TeleCheck’s database.  Unfortunately, if we have no information to locate your file we are unable to advise what exactly is causing you an issue when you’re presenting your checks. If you wish to have TeleCheck investigate this issue, please submit the requested documentation at your earliest convenience.
Please feel free to contact me directly so I may locate your file at [redacted]  My office hours are Monday-Friday from 8:30am- 5:00pm CST.
 
Velvet W[redacted]                                  �...⇄                                         ...⇄ Senior Processing Specialist

Dear Mr. [redacted],
I have called and left a message for a return call.  I will need to obtain some additional information to research your complaint.  The information needed is below. 
__X___   Your driver’s license or other state-issued identification
__X___  ...

The bank numbers from left to right at the bottom of one of your checks on the account in question.   
 
Kind Regards,
 
David [redacted]
1888 612 7431 ext 2306116
 
8:30 am to 5:00 pm C.T.

[redacted],
If you would please contact me at [redacted] Mon. through Fri. from 8:30 am to 5:00 pm. I will need to obtain some additional information to research this matter.  I also sent an email requesting that information I will need the Bank Numbers listed at the bottom of your...

company check. 
Kind Regards,
David [redacted]

[redacted],
 
Thanks you for being so patient while I researched your file. 
 
As we discussed in previous conversations, I located two of your declines that were processed incorrectly at the point of sale due to check reader errors that caused the last four digits of your checking account number to be read incorrectly. The check reader errors occurred at [redacted] on November 27, 2014 on check number [redacted] in the amount of $334.85 and at [redacted] on November 28, 2014 on check number [redacted] in the amount of $50.53. 
 
I also researched another decline that you received on December 12, 2014 at [redacted]; However, I was unable to locate this decline in TeleCheck’s system.  I also reached out to our IT Client Support Team and [redacted] Account Manager Team and both were unable to locate this decline. 
 
Nevertheless, I have since reviewed your account and show that your TeleCheck file remains at the preferred status that was set on your account on December 4, 2014 during our first conversation. Since that time, you have received 8 check approvals at TeleCheck merchants.
 
Please let me know if I can be of further assistance. Thank you. 
 
[redacted]
Senior Processing Specialist
Customer Resolutions
[redacted]
[redacted]
[redacted]

Dear Ms. [redacted],
As per our conversation on February 27, 2015, and based on the written response to your inquiry you received it was explained the type of code that was generated, and the process that needed to be followed to complete the transaction. 
I explained the fact that when the transaction was processed at the point of sale, the code generated indicated that TeleCheck needed to verify additional information for that transaction, and prompted the merchant to call our Customer Contact Center so the transaction could be processed via a live operator.  The transaction was not completed because it does not appear a call was made.   
I also indicated to you, that I had requested  the Account Manager in our Merchant Services area for [redacted] to contact them to relay the types of codes that may be generated and the processes for those codes.  I was informed as I indicated to you in my previous response, that I received a confirmation from that Account Manager in our Merchant Services area that documentation was sent to [redacted] explaining the codes that may be generated and the processes they should follow when those codes arise.   
I apologize for any inconvenience you experienced. 
If I can be of any further assistance please do not hesitate to contact me directly.  I am available Monday through Friday from 8:30 a.m. to 5:00 p.m. C.S.T. 
Kind Regards,
David F[redacted]

Dear Ms. [redacted],
Please allow me to confirm, I did read your complaint.  I also establish in the response forwarded to you for your review, the reason your transaction was declined, and as a courtesy, the history you indicated that was deleted, was re-established back at where it was before your returned check became entered into TeleCheck system. 
This courtesy was not extended due to the fact that your legitimate returned check cleared the second time.  That is not the issue, the issue was you had a returned check reported against your information, which has since been paid.  
TeleCheck system is set up to determine, whether or not it is willing to guarantee check transactions at the point of sale.  That evaluation in determining whether or not TeleCheck is willing to guarantee a check transaction has alot to do with whether or not there have been any legitimate returns reported against the information being processed, and the number of check transactions that have been processed on that information, as well as check writing history, dollar amounts, check numbers, and frequency of transactions throughout the history of guaranteeing checks on that information being processed.
TeleCheck will review check transactional information at the point of sale, there are no pre-determinations made on whether or not TeleCheck is willing to guarantee a transaction until that transaction is processed at the point of sale. 
Kind Regards,
David [redacted]
1888-612-7431
ext. 2306116

Dear Ms. [redacted],
As indicated in the attached request.  Please provide the identifiers necessary to research and respond.  I also attempted to reach you via telephone today and was unsuccessful.
Kind Regards,
David [redacted]
1888 612 7431 ext. [redacted]
Hours of Operations
8:00...

a.m. to 5:00 p.m.

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.  
My checks continue to be declined even after I have...

contacted the company and filed a complaint.  I continue to receive the same "canned" response.  This is unacceptable as I have more than adequate funds to cover the checks written.  They completely ignore my comments and continuously quote their "flawed" process/policy.  I understand their attempt to prevent fraud but to prevent me from using my own funds is "unreasonable."
Regards,
[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.  This person [redacted] lied to me during the conversation of which he spoke.  He assured me that he would change the status of this case to "in dispute', and this would immediately enable me to open a checking account. I plainly asked him how long it would take before the change would be effective, he indicated that I could go immediately.  I did just that.  Naturally, he lied about that also. When we (myself and bank employee) attempted a call back at the number he had given me (the one he also entered on this site), we were told they had never heard of that person.  I have proof from the bank that no such insufficient check ever was presented on the account Telecheck is claiming. Further, they have still not provided the details they indicted were forthcoming.  This is ridiculous, and wrong.  Somebody should help me get this taken care of!
Regards,
[redacted] Bedwell [redacted]

Ms. [redacted],
Thank you for speaking with me today in order to resolve your complaint regarding forgery and your check declines. The check you mentioned that was written to [redacted] had no bearing on your denials because [redacted] does not use TeleCheck’s services. As I advised per our telephone conversation the denials you received were due to the account being blocked in our system per previous documentation received from you.  We apologize for the miscommunication and as advised I have removed the forgery block on your new account.
Additionally, the check written to [redacted] on September 3, 2016 which you have claimed as forgery is still currently outstanding in our system under your old account ending in [redacted]. This check was written prior to the date you advised your checks were stolen. As stated per our telephone conversation I have attached a copy of the check for your review. After reviewing the check images, if you confirm this check is indeed fraudulent we will need the appropriate forgery documentation to clear the debt.  You may contact me directly for additional info regarding this if necessary.
Thank you for your consideration in this matter.   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. [redacted]

Dear Mrs. [redacted],
 
We want to promptly assist you.  At this time, however, we have not received sufficient identifiers (as indicated below). 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.
 
Furthermore, and based on how you explained the circumstances, it sounds as though your transaction received a Risk Decline Code.  There are circumstances when TeleCheck will decline a transaction such as,  if TeleCheck has no establish check writing history on that information being processed at the point of sale.  And there are other instances where the same code may be generated due to the frequency of check transactions being processed, or if additional information may need to be verified.  All of these reasons, as well as others have been put in place in an effort to lessen the likelihood of fraud being committed. 
 
Unfortunately, TeleCheck does not make any pre-determinations on when a check transaction will receive this type of code until that transaction is processed at the point of sale.  Furthermore, many financial institutions have taken measures themselves in deciding on what type of information they will release to third party agencies or persons.  This is not an excuse, their efforts have also been put in place in an attempt to lessen the likelihood of fraud.  And those financial institutions may not verify any information at all with any third party. 
If you will provide the above information, I will gladly research this complaint, and once completed, I will forward a response for your review. 
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]
1888-612-7431 ext. [redacted]

[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
 
[redacted]

Mr. [redacted], we want to promptly assist you. I attempted to speak with you by telephone today however, you were not available. At this time, 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 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 
___X___   One of the following: (l) TeleCheck’s Forgery/Identity Theft Affidavit form which can be downloaded from TeleCheck’s website at www.telecheck.com under the Forgery or Identity Theft menu; (2) copy of a filed police report; (3) completed bank affidavit or declaration; or (4) a statement providing details about your claim. 
 
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; Monday- Friday.
 
Velvet [redacted]
1-888-612-7431  ext. [redacted]

Dear [redacted],
I attempted to contact you on December 15, 2014 and was able to leave a message for a return call at 9:50 am Central Standard Time. At this time I do not have sufficient information to research your complaint. 
I will need the following information indicated...

below:
__X___   Your driver’s license or other state-issued identification document
__X___   The bank numbers at the bottom of one of your checks on the account in question
 
We ask that you also include any other documentation that you believe would assist TeleCheck in investigating your complaint. The confidentiality of the information you provide is legally protected from unauthorized third party disclosure.
If you would please contact me directly at [redacted]
David F[redacted]