TeleCheck Services, Inc.

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" type="#_x0000_t202" o:spid="_x0000_s1026">IMPORTANT NOTICE:REFER TO TRACKING NUMBER
[redacted]
IN ALL FUTURE CORRESPONDENCE                   
May 6, 2015
 
 
 
 
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] Josey ,
 
On May 4, 2015, 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, & Email
 
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 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.
 
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 also sent you an email today May 6, 2015 at 2:07pm CST.
                                                                        ...⇄ 052813V1DIS028

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.  
Telecheck's response that their analytic's platform is designed to protect merchant's from check fraud is patently false.  The merchant's agreement with Telecheck specifically states that merchants using their service are shielded from check return liability by using the service.  The only entity protected as a result of my fraudulently declined transaction is Telecheck.  Again, and in their own words, Telecheck used economic data, instead of my own transactional history, as a rationale for declining the transaction.  Even after I spoke to an attendant at Telecheck and provided my personal information as well as my bank information they refused to authorize the transaction.  Telecheck has tools at its disposal (Cashedge) to verify any bank account at participating institutions, of which my institution is one, and they refused to use it.  As a result of their poor procedure and repeated intransigence, I was embarrassed at a merchant we regularly patronize.I will make it a point to tell merchants that display the Telecheck logo that their customers who choose to pay with a check must obtain pre-clearance from Telecheck, or risk that their transaction will be declined.  And that their customer's payment can be refused based on demographics instead of their own banking activity, creating unnecessary and unjustified embarrassment to their patrons. 
Kind regards,
Timothy [redacted]timothy.[redacted]@gmail.com

Hi Mr. [redacted],
Thanks for taking time to speak with me today.  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 to allow you to build your check writing history on the new account.
Thanks,
[redacted]

Please See attached...

Dear [redacted],
I have called and left a message for a return call and the phone number provided within your complaint.  I will need some additional informatoin to research your inquiry.  I have also sent an email as well requesting a call for that additional inrformation. ...


Kind Regards,
David [redacted]
[redacted]
8:30 am to 5:00 p.m. 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.  
Sent: Tuesday, March 03, 2015 4:52 PM To: drteam Subject: Re: You have a New Message from Revdex.com Regarding Complaint #[redacted]   Hi,   This has not been resolved to my satisfaction.  The gentleman did not explain who is at fault and why my check was denied.  I want concrete answers now.   [redacted]
Regards,

IMPORTANT NOTICE:
REFER TO TRACKING NUMBER
[redacted]
IN ALL FUTURE CORRESPONDENCE
 
July 1, 2016
 
 
 
 
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 Inquiry; Additional Information Required
 
Dear [redacted] ,
 
On June 23, 2016, 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’re inquiring about. 
 
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
 
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 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.
 
Thank you for working with TeleCheck to maintain the accuracy of your file.
 
 
 
Sincerely,
 
Salante [redacted]
Resolutions Department
 
 
cc:  Revdex.com of Metropolitan Houston
       Attention: Dispute Resolutions Department
       1333 W. Loop South, Ste. 1200
       Houston, TX 77027
                                        ...⇄  
 P.S. We contacted you by phone yesterday, but the call was disconnected. I also attempted to contact you by phone today around 4pm CST.

Dear [redacted],
I would like to thank you again for the opportunity in speaking with me today.  Again, if I can be of any further assistance you have my phone number please do not hesitate to call. 
Kind Regards,
David [redacted]

[redacted] Sent: Tuesday, October 04, 2016 5:13 PM To: drteam <[email protected]> [redacted]
  Hi [redacted] Thanks for taking time to speak with me on September 21, 2016.  Per our conversation, you were receiving TeleCheck risk declines due to a lowered check writing history rating at TeleCheck merchants.  The lowered check writing history rating was caused by what was perceived by TeleCheck as returned check.  You and I contacted your bank and confirmed that the return check was caused by an error made by your electric company.   I have since made updates to your account to reduce the possibility of you receiving risk declines and allow you to build your check writing history naturally. Thanks, [redacted]     Salante' W[redacted] Senior Processing Specialist Customer Resolutions O 888.612.7431 ext. 6130 ** [redacted] www.firstdata.com/telecheck

Hi Mr. [redacted],
Thanks for taking time to speak with me today.  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,
[redacted]

Ms. Boring,
The clearance letter was mailed to you on August 19, 2016 so you may not have received it at this time. I will again attach the letter for your review. Please scroll to the very bottom of the page to see the attachment.
Thank You,
Velvet [redacted]

Dear Ms. [redacted],
Please, as indicated in the attached response, provided some additional information so that we may research your inquiry and respond accordingly. 
Kind Regards,
                David [redacted]-F[redacted]
1888-612-7431 ext....

2306116
8:30 a.m. to 5:00 p.m. C.T.

Dear [redacted],
 
RE: Giant - September 9, 2015 - $51.65 – CK# [redacted]
 
TeleCheck is in receipt of the complaint you have filed with the Revdex.com on September 9, 2015.
 
Per our telephone conversation I advised you that due to the lack of check writing history in our system,...

your check received a risk decline. Below is a more elaborate explanation of the type of decline you received and why it was issued.
The above-referenced check was submitted by [redacted] 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:
TeleCheck has no history on your account or ID
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 [redacted]. 
In closing, per our telephone conversation I also advised to assist in any future declines you may receive, you are welcome to contact me directly and I will do my best to resolve the issue with possibly overturning the decline if applicable. 
 
Thank your 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]  ext. [redacted]

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" type="#_x0000_t202" o:spid="_x0000_s1026">                    
[redacted]
 
 
 
[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.
 
 
Dear [redacted] ,
 
TeleCheck is in receipt of your inquiry dated [redacted]. After thoroughly researching your file in TeleCheck’s records, TeleCheck a can confirm that no current record of unpaid debt appears to be associated with your identifiers. 
 
Please note, on [redacted], your check number [redacted] from account number ending in [redacted] received a Code 4 decline due to a negative link associated to your identifiers. On [redacted], TeleCheck verified the reported information and cleared any negative data from your file. On [redacted] TeleCheck provided a Results of Reinvestigation letter confirming the new status.
 
At this time, your file reflects a favorable status.
 
 
If you have any additional questions:  Please contact the Resolutions Department at [redacted] 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,
 
 
[redacted]
Resolutions Department
 
 
Remedy#                                                                                                                                           [redacted]

Hi Mr. [redacted],
Thanks for taking time to speak with me today.  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

[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.  
Yes[redacted] was very helpful in resolving this issue and did all he could to make sure that my check privileges at local Telechecks retailers was reinstated. He told me what to look for in my check writing history per week/monthly and gave me his direct number should I have any issues. I have also contacted my banks for debit cards associated with my accounts for when I am making larger than normal purchases.  He was very helpful and understanding to my situation and did everything that he could to help me with this situation. Thank you for such a quick resolve!Sincerely[redacted]

Hi Ms. [redacted],
Thanks for taking time to speak with me today.  Per our conversation, you were receiving TeleCheck risk declines due to a lowered check writing history rating caused by a returned check number 1141 written to Stop & Shop for $118.88.   I have since reset...

you check writing history and made an update to your account to reduce the possibility of you receiving risk declines and allow you to rebuild your check writing history.  Please feel free to contact me at phone number 888-612-7431 ext 6130 for any questions or concerns.
Thanks,
Sal

Dear [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]

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.  
Sent: Sunday, March 08, 2015 5:39 PM To: drteam Subject: Re: You have a New Message from Revdex.com Regarding Complaint #[redacted]   I have spoke with telecheck.  They have offered no sufficient resolution.  Where do I go from here.  I am not satisfied.
Regards,

Hi Ms [redacted],
Thanks for taking my call today.  As we discussed, TeleCheck removed collection reference number [redacted] as of August 27, 2015.  I'm sending you a letter reflecting your positive status as well.  We also reset your check writing.  For any questions or...

concerns, please feel free to call me at ph# 888-612-7431 ext. 2306130.
Thanks,
Sal