TeleCheck Services

Revdex.com: Yes David was an amazing individualGod bless his soul 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

[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

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 written to Stop & Shop for $ 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-ext for any questions or concerns 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 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 ***timothy.***@gmail.com

[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.] Dear 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 meThe business explained that they had a mapping error in their system and letters were sent to incorrect namesThey have cleared any negative reports associated with my name.Thank you for your assistance.Sincerely, [redacted]

Ms [redacted] , Please allow me to begin by apologizing for the experience you have had in working with TeleCheck in our attempt to resolve your issue regarding your refundIt is our practice and goal to assist all consumers in resolving any issues or concerns that they may have as quickly and courteously as possible As you were advised by telephone today when speaking with a [redacted] , your refund has been sent out today by [redacted] in the amount of $Thank you for your consideration in this matter Please feel free to call me directly at the phone number provided below should you have any additional questions or concerns I am available from 8:a.mto 5:p.mCentral Standard Time; Monday- FridayVelvet W [redacted] 1-800-927- Ext

RE: [redacted] - April 10, - $– [redacted] Dear [redacted] ***, Thank you for allowing me to speak with you this morning regarding your check denial to [redacted] I explained to you the possible reasons for your decline however; you will find a more detailed explanation of the denial below 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 balanceA Code is not reported to third-party consumer reporting agencies and in no way reflects negatively on your credit statusRather, 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: Recent transaction activity is not within your usual check writing patterns The amount of this transaction indicates a higher level of risk This account or ID has not built up sufficient history in our system to support approving this transaction Additionally, as I advised during our telephone conversation, in most cases it is possible to overturn a Code As long as we can verify with your bank that the funds are available, we can assist you with the approval of your transaction 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] Please feel free to call me directly at the phone number provided below I am available from 8:a.mto 5:p.mCentral Standard Time; Monday- Friday Velvet W [redacted] [redacted] [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 complaintMost of the information in your reply is not accurateI contacted Telecheck more than times in a two week period, as is proven by the recorded calls made in our newsroomI 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 1/prior to those callsI 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 weeks laterAll inaccuracies have been noted, and a response sent to the state, our attorney, and TelecheckI 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 behaviorAlthough 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]

Dear Mrs [redacted] , Thank you for opportunity in speaking with me this evening Once you speak with your check printing and/or financial institution, please give me a call back Kindest Regards, [redacted] 8:a.mto 5:C.T

Dear Ms [redacted] , I apologize I had to make a change from my first response the correct date of transasction is June 20, and not July 15, I apologize for any confusion Kind Regards, David [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 I have a statement from the bank showing transactions for the month of October for the account in disputeFirst, 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 doneOn 4/9/2015, a check was refused by a local merchantSo, 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 ***

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, Basically telecheck has done nothing except repeat the same reasons for not accepting the check You cannot build history when they refuse checks I was told merging another account information would take care of that history problem It did not Apparently it now does not allow checks on the account I have used for years and not had a problem with They addressed none of the issues and said they need to update information I contend when you call times to verify things over and over in a week that is ridiculous They need to put a limit on how often an account has to be updated Change the computer system because it is not working Basically I got no where with them and they just quoted back the information that I provided to them in the complaint and in the summary They refuse to do anything about the situation Telecheck talked about things getting tougher for businesses That should not mean telecheck makes things tougher for people who have not written and bad checks and have not had a problem with them before This is not an acceptable solution They refuse me my rights to access my checking account and not for a day but for or depending on who you talk to They should not make it difficult for people to write good checks for NO reason I have always had lots of activity on the one account I had merchants tell me many people are having problems with telecheck doing the same things to other customers I would like my complaint posted to let people know that Telecheck does not care and refuses to work with you to correct any problems Their response indicated they will continue to reject my checks for no reason Perhaps if people see this they will complain and telecheck will lose business form merchants and be forced to change their policy of rejection for NO good reason The whole thing is arbitrary and designed to hurt good, honest people

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 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] - - ext [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] ext [redacted] 8:a.mto 5:pmC.T

MsYoung, We want to promptly assist you At this time, we have not received sufficient documentation to research your complaintWith 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 TeleCheckThe 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:a.mto 5:p.mCentral Standard Time; Monday- Friday Velvet W [redacted] [redacted]

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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 investigationWith 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 disputeThe 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., POBox Houston, Texas 77210- If you have any additional questions: Please contact the Resolutions Department at (888) 612-Monday-Friday 8:a.mto 12:p.mCST and from 1:p.mto 4:p.mCST 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]

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,

Dear [redacted] , 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 [redacted] ***

Mr [redacted] , The two transactions on file for [redacted] were returned from your bank due to the account being closedWhen a transaction is processed through TeleCheck’s system we are not immediately provided with the status of your accountIt 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, 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, 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:a.mto 5:p.mCentral Standard Time; Monday- Friday Velvet [redacted] SrProcessing Specialist

Sent: Friday, April 24, 2: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***’s complaint to the Revdex.com portal on April 3rd, 2015, regarding her new account inquiry dated March 20, for Ms***’s reviewThis 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, to call First United Bank at different phone numbers and conferenced Ms [redacted] all 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***’s complaint regarding her new account inquiry dated March 27, which was uploaded into the Revdex.com portal for Ms***’s review on April 3rd, 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***’s complaint regarding her rejection which was uploaded into the Revdex.com portal for Ms***’s review April 13th, • TeleCheck sent a response to Ms***’s complaint regarding her rejection which was uploaded into the Revdex.com portal for Ms***’s review April 16th, 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]