Business Profile

Payment Processing Services

TeleCheck Services, LLC

Headquarters

This business is NOT BBB Accredited.

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Complaints

This profile includes complaints for TeleCheck Services, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

168 total complaints in the last 3 years.
58 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:04/01/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
They put some kind of freeze on our checking account about something that happened at a Dollar Tree a year ago on June 27, 2024. My husband went to make a payment at Tractor Supply and it was denied. He went to another Tractor Supply and the transaction didn&#**;t go through there either. So a year ago in June 2024 we went to purchase something at *********** and our check was refused twice so we paid them in cash. So the same check number #**** was run twice through our bank for $40.70. The first time they ran it was $42.11. Now the H**3731353033323436H has a hold on our account. I would like for this to be resolved because we never got a collection paper from them or anybody. We thought it was settled and no money back.
Business Response
Date: 04/14/2025
April 11, 2025
*********
**************************************************************************
RE: BBB Complaint No. ******** / **** & ******* ****
Reference Number: 35-242293525000
Original Creditor: Dollar Tree
Current Creditor: TeleCheck Services, LLC
Dear Ms. ************** you for speaking with me on April 9, 2025 and providing the denial record for your declined check. As discussed,
TeleCheck located an active stop payment debt that you state was initiated due to a check being double processed by Dollar
Tree.
Thank you for providing a copy of your bank statement showing the two transactions to Dollar Tree. We reached out to Dollar
Tree, and they confirmed that the debt should be removed. Accordingly, TeleCheck has removed the debt item from our
system. Below is a summary of the inactive item in our database:
Consumer
Name
Acct#
(Last 4)
ID#
(Last 4)
SS#
(Last 4)
Check # Original Creditor Check Date $ *** Current
Status
Rose York ***8386 N/A N/A 8711 Dollar Tree June 27, 2024 $ ***** Inactive
Additionally, we have made some modifications to your information in our system which we believe will reduce the likelihood
of future Code 3 declines. Our records reflect no check transactions with TeleCheck merchants since we made those
adjustments.
We believe this resolves your issue, but if you have any additional questions or concerns, please call me directly at (240) 849-
5021 or by email at ************************** You may also contact our ******************** at ************** MondayFriday 8:00 a.m. to 5:00 p.m. ET. This would be the best time to reach a supervisor if additional assistance is necessary.
PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER
ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK.
Sincerely,
******* *****
Consumer Resolution Services
Customer Answer
Date: 04/15/2025
[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.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Regards,

Rose & ******* ****
Initial Complaint
Date:03/29/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I contacted ****** prime and they told me that there was a hold on my payment from my bank account. There is not. I contacted ******* account. I contacted ******* and there is no problem Is that this ********** that contacted me is not valid. They would not provide me with any information. They told me to contact Tele check which I did. I no information from Tele check I do not have any pending problems with Tele check I believe that they are a fraudulent company they ask for everybit of information you can imagine and I will not relinquish that information to them they had said that they would not accept my checking account number which is not true because ****** prime just mailed out two products to me using that exact checking account number and I asked why they would not accept the checking account number that they have been using previously and they told me because Telecheck would not approve it. ******* approved the product to be sent to me by Tele check is an interim that's refusing to let my check be processed.
Business Response
Date: 04/04/2025
April 4, 2025
***** *******
*************************************
RE: BBB Complaint No. ******** / ***** *******
Dear Ms. ****************************** has received your BBB complaint regarding declines received at ******. We sincerely apologize for any trouble
you have encountered with these declines. Please note that I did call you at the number provided in the complaint ((254) 258-
7315) to discuss this matter and left a voicemail message. If you would like to discuss this with me directly, please call (240)
******** or reach me directly by email at ******************************************.
While we understand your frustration, we need a little more information to help us locate the decline so we can help resolve
your concerns. Typically, we utilize a specific decline number you should have received at the point of sale on the transaction
record (receipt) that was provided to you. If you do not have that information, any or all of the below additional information
should allow us to locate and address the transactions at issue:
A copy of your drivers license or other state-issued identification used in connection with the denied transaction; or
A copy of a voided check from the account in question or the full bank account and routing numbers.
Please note all information you provide us is legally protected from unauthorized disclosure.
If you have any additional questions or concerns, please call or email me directly as noted above. You may also contact our
Consumer *********** at ************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET. This would be the best time to reach a
supervisor if additional assistance is necessary.
PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER
ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK.
Sincerely,
******* *****
Consumer Resolution Services
Initial Complaint
Date:03/18/2025
Type:Customer Service Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
$1920.35 from between October 16, 2024 and today is not my ***** The 12 balances stated are not mine. I am being scammed.
Business Response
Date: 04/03/2025
March 28, 2025
**** ******
************************
Broad Run, VA 20137
RE: BBB Complaint No. ******** / **** ******

Dear Mr. ***************************** has received your BBB complaint regarding balances stated as not belonging to you. The letter you provided did
not show any debt items or when they occurred, and we would need more details about the items being disputed in order to
assist you.
If you have concerns that TeleChecks system contains inaccuracies, we can provide a TeleCheck File Report (TFR) which you
can then review and identify any information of concern. To pull a TFR, we would need the full routing and bank account
numbers for any checking accounts you are using or requesting information. Alternatively, we may be able to locate the
information to pull a TFR by using either your social security number or drivers license or other state issued identification.
Please note all information you provide us is legally protected from unauthorized disclosure. If you would like to request a
TFR, either visit our website at ************************************************************************ or if you would like to complete
a hard copy form, please call our ******************** at ************** to request we mail you a form.
If you have any additional questions or concerns, please call me directly at ************** or by email at
******************************************. You may also contact our ******************** at ************** Monday-Friday 8:00 a.m. to
5:00 p.m. ET. This would be the best time to reach a supervisor if additional assistance is necessary.
PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER
ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK.
Sincerely,
******* *****
Consumer Resolution Services
Initial Complaint
Date:03/18/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Telecheck has once again denied my purchase at *******. The error message says to call the number on the error yet when I do Im not given answers to why my transactions keep being declined. This is embarrassing and frustrating.
Business Response
Date: 03/27/2025
March 27, 2025
******* ******
2503 Morningstar Ln
*******************
RE: BBB Complaint No. ******** / ******* ******
Dear Ms. ***************************** has received your BBB complaint regarding declines using your checking account at the *********** website. We
sincerely apologize for any trouble you have encountered with these declines. Please note that I did call you at the number
provided in the complaint (**************) to discuss this matter but was unable to leave a voicemail message. If you would
like to discuss this with me directly, please call ************** or reach me directly by email at ******************************************.
As with our response to your prior complaint on March 7, 2025, we need additional information in order to identify your
concerns. Typically, we utilize a specific decline number you should have received at the point of sale on the transaction record
(receipt) that was provided to you. If you do not have that information, any or all of the below additional information should
allow us to locate and address the transactions at issue:
A copy of your drivers license or other state-issued identification used in connection with the denied transaction; or
A copy of a voided check from the account in question or the full bank account and routing numbers.
Please note all information you provide us is legally protected from unauthorized disclosure.
If you have any additional questions or concerns, please call or email me directly as noted above. You may also contact our
Consumer *********** at ************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET. This would be the best time to reach a
supervisor if additional assistance is necessary.
PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER
ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK.
Sincerely,
******* *****
Consumer Resolution Services
IMPORTANT NOTICE:
REFER TO TRACKING NUMBER
612287
IN ALL FUTURE CORRESPONDENCE
Initial Complaint
Date:03/13/2025
Type:Product Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On Jan 7, 2025 someone made a gift card purchase at *********** for $450.00 using my debit card info from CCU of ********I immediately contacted my bank and alerted them to this fraud issue. They immediately started checking these charges and a month or so later proved that they were fraud. The bank has issued a total refund to me. But I keep getting letters from *** **************** who is representing Telecheck Services insinuating that I still owe these charges. They have NEVER mentioned that it was a debit card purchase, but allude to 2 separate checks totaling the $450.00. ******* has also said that there is no outstanding charges owed. This is a total ripoff by Telecheck.Please help!!!Thank you,******* *******
Business Response
Date: 03/28/2025
March 28, 2025
******* *******
********************************************************************************
RE: BBB Complaint No. ******** / ******* *******
Debt Reference Numbers 44-250174490110 & 44-250174490111
Original Creditor: *******
Current Creditor: TeleCheck Services, LLC

Dear Ms. ****************************** has received your BBB complaint regarding two gift card purchases through *********** that you state were
unauthorized. I would like to sincerely apologize for any inconvenience or frustration you have encountered regarding this
issue.
For background, TeleCheck is a check acceptance and check processing company which works with merchants nationwide
who wish to accept payment by check. For some merchants like *******, customers can tie their account to a checking
account as a form of payment. Those transactions are electronically processed like a check even though no check is actually
involved.
Based on the information provided, TeleCheck located the above-referenced items associated with returned payment, and item
for $***** and an item for $****** both on January 7, 2025, which TeleCheck warranted for non-payment for *******. Please
note that our records show these were processed as check payments rather than debit payments. As part of our investigation,
TeleCheck sent a validation request to ******* for transactions and ******* did not provide validation. As a result,
TeleCheck has closed these items in its system and these items are inactive in our system. A summary of this information is
listed below:
Consumer
Name
Acct#
(Last 4)
ID#
(Last 4)
SS#
(Last 4)
Check # Original Creditor Check Date $ *** Current
Status
******* ******* ***4362 N/A N/A ******** ******* January 7, 2025 $ ***** Inactive
******* ******* ***4362 N/A N/A ******** ******* January 7, 2025 $ ****** Inactive
We believe this resolves your issue, but if you have any additional questions or concerns, please call me directly at (240) 849-
5021 or by email at ************************** You may also contact our ******************** at ************** MondayFriday 8:00 a.m. to 5:00 p.m. ET. This would be the best time to reach a supervisor if additional assistance is necessary.
PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER
ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK.
Sincerely,
******* *****
Consumer Resolution Services
Customer Answer
Date: 03/31/2025
[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.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Regards,

******* *******
Initial Complaint
Date:03/09/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have called on three different occasions to get this resolved but still have the same problem. Whenever I go to use my bank account at ******* for pickup, Telecheck keeps blocking me saying something vague about guidelines and no real answers. I dont have any hot checks out so I have no idea why they are controlling how I spend my own money.
Business Response
Date: 03/28/2025
March 28, 2025
***** *****
********************************************************************************
RE: BBB Complaint No. ******** / ***** *****

Dear Ms. *************** you for speaking with me on March 17, 2025 and providing your bank account to research your consumer transaction
history. As discussed, all ******* Pay by Bank transactions received Code 3 declines after February 7, 2025. However, we
have made some modifications to your information in our system which we believe will reduce the likelihood of future Code 3
declines. In fact, our records now show several approvals at ******* by TeleCheck after our adjustments were completed.
We believe this resolves your issue, but if you have any additional questions or concerns, please call me directly at (240) 849-
5021 or by email at ************************** You may also contact our ******************** at ************** MondayFriday 8:00 a.m. to 5:00 p.m. ET. This would be the best time to reach a supervisor if additional assistance is necessary.
PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER
ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK.
Sincerely,
******* *****
Consumer Resolution Services
Initial Complaint
Date:02/19/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On 2/19/2025 I called Telecheck for assistance with declined bank account payments made via my ******* account, but when I provided them with my contact info for identity verification, they insisted that it was incorrect. The *** told me that the email, phone number, and address were all incorrect even though I had the account open on the screen in front of me clearly displaying the contact info I provided as correct. I told him he must have outdated info and asked how I could resolve this so that I can address my issue, and he told me I had to get the info that he has from whatever accounts he's accessing and change the contact info on my account to match it. I'm pretty sure he's looking at an outdated/deleted account though and if the info doesn't match then it is most definitely not accurate/current information associated with me, so changing the info on my account to match that would essentially mean I would have to provide all bad information/contact info and addresses where I could not be contacted and mail would not reach me / that would leave misleading info on record as my up to date info for the purposes of processing financial transactions / making retail purchases. They want me to put one of my old addresses from when I lived in another state and an old phone number/email that I no longer have access to and which I could not use to verify my identity at login, but that Telecheck alone could exclusively use to verify me, and then very likely any changed/hold releases, etc. that they applied as a result of my call would be applied to some other account that they're viewing for whatever reason instead of the active account that im actively using. So, I am unable to make payments with the bank accounts that I own and are in my name due to their inaccurate records. He would not allow me to provide him with proof of the info I gave him being correct and would not try to work with me at all in anything way.
Business Response
Date: 03/07/2025
March 7, 2025
****** *****
********************
*******************
RE: BBB Complaint No. ******** / ****** *****
Dear Ms. **************************** has received your BBB complaint regarding declines using your checking account at the *********** website. We
sincerely apologize for any trouble you have encountered with these declines. Please note that I did call you at the number
provided in the complaint (**************) to discuss this matter and left a voicemail message. If you would like to discuss
this with me directly, please call ************** or reach me directly by email at ******************************************.
While we understand your frustration, we need a little more information to help us locate the decline so we can help resolve
your concerns. Typically, we utilize a specific decline number you should have received at the point of sale on the transaction
record (receipt) that was provided to you. If you do not have that information, any or all of the below additional information
should allow us to locate and address the transactions at issue:
A copy of your drivers license or other state-issued identification used in connection with the denied transaction; or
A copy of a voided check from the account in question or the full bank account and routing numbers.
Please note all information you provide us is legally protected from unauthorized disclosure.
If you have any additional questions or concerns, please call or email me directly as noted above. You may also contact our
Consumer *********** at ************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET. This would be the best time to reach a
supervisor if additional assistance is necessary.
PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER
ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK.
Sincerely,
******* *****
Consumer Resolution Services
Initial Complaint
Date:02/17/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I tried to purchase items on *********** using my bank account and it was declined with a message to contact Telecheck. This happened several times in a row. When I contacted Telecheck they told me their system needed to refresh and give it until the next day to try again, which I did, but I was still getting declined. Telecheck transferred me to this woman who proceeded to blame ******* even though I kept telling her the error message I received was to call Telecheck. *** needs to do another investigation on Telecheck as back in 2014 they had to pay $3.5 million in damages.
Business Response
Date: 03/07/2025
Dear Ms. ***************************** has received your BBB complaint regarding declines using your checking account at the *********** website. We
sincerely apologize for any trouble you have encountered with these declines. Please note that I did call you at the number
provided in the complaint (**************) to discuss this matter and left a voicemail message. If you would like to discuss
this with me directly, please call ************** or reach me directly by email at ******************************************.
While we understand your frustration, we need a little more information to help us locate the decline so we can help resolve
your concerns. Typically, we utilize a specific decline number you should have received at the point of sale on the transaction
record (receipt) that was provided to you. If you do not have that information, any or all of the below additional information
should allow us to locate and address the transactions at issue:
A copy of your drivers license or other state-issued identification used in connection with the denied transaction; or
A copy of a voided check from the account in question or the full bank account and routing numbers.
Please note all information you provide us is legally protected from unauthorized disclosure.
If you have any additional questions or concerns, please call or email me directly as noted above. You may also contact our
Consumer *********** at ************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET. This would be the best time to reach a
supervisor if additional assistance is necessary.
PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER
ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK.
Sincerely,
Initial Complaint
Date:02/16/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On 2/15/2025 I received a letter dated 1/15/2025 from TRS recovery services demanding payment on behalf of TeleCheck Services, LLC. The letter was addressed to my name and street address, but the ************ were ******, **. I live in *******, **. The debt they were trying to recover occurred at a Family Dollar store #*****, which apparently is in ******, **. I have never been to *********, much less to the Family Dollar store ******** April 2024 I was alerted that my private information was accessed in a data breach with ***** and since then, I have received several notifications about my information being found on the dark web. I'm assuming that a poorly transcribed copy of my info got into the hands of someone in ********* who then ran up a bill at the store.This is not my debt. The mangled address clearly indicates fraud. If this company didn't do their due diligence and was defrauded by a customer, that is not my responsibility.
Business Response
Date: 02/21/2025
Duplicate BBB of case number 22948330
Response will be provided under case 22948330

. .

Customer Answer
Date: 02/21/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

This complaint is regarding TeleCheck Services, LLC. Complaint #******** is regarding another business, TRS recovery services.

Regards,

******* ********
Business Response
Date: 02/26/2025
The complaint is the same and comes to the same corporate office and resolved by the same office. The response will apply to both.
Business Response
Date: 02/28/2025
February 25, 2025
******* ********
*********************
***********************
RE: BBB Complaint No. 22948330
Original Creditor: Family Dollar *****
Current Creditor: TeleCheck Services, LLC
Reference number: 36-242623625107
Dear ***************************** Services (TRS) has received your BBB complaint in which you state the above-referenced item is a result of
fraud. Please allow *** to apologize for any inconvenience or confusion you have experienced as a result of this issue.
Based on the information you provided to us, we have updated this item to forgery in our systems to note that you are not
responsible for this item. We have also reported this information to our affiliate, TeleCheck Services, LLC (TeleCheck), a
specialty reporting agency, and they have updated their system also. As we have closed this item, we will cease further contact
regarding this matter at this time. Below is a summary of the item as it now appears in TRS' system:
Transaction # Date Amount Original Creditor Current Creditor Fee Status
36-242623625107 09/12/2024 $368.68 Family Dollar ***** TeleCheck Services, LLC $32.48 Modified
Furthermore, as a part of our investigation, we contacted the merchant, Family Dollar, to receive validation of the item. We
have provided the enclosed signed itemized receipt as a courtesy.
If you have any further questions or concerns, please feel free to reach out to me directly at ************** or our *********************** at ************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET. Thank you for assisting TRS in maintaining the
accuracy of its records.
PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER
ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TRS.
Sincerely,
Lenorra *******
Collections Team Lead
TRS Recovery Services, Inc
Enclosure,
Customer Answer
Date: 03/03/2025
[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.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
While I accept the resolution that TRS Recovery Services has notated the file to indicate fraud/forgery and that I am not responsible for this incident, it is important to note that the entire situation could've been avoided if Telecheck Services, LLC had properly reviewed the fraudulent transaction and hadn't authorized it in the first place.
Regards,

******* ********
Initial Complaint
Date:02/13/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Declined check at *******. We had someone who hacked our bank info on Jan 17th 2025 . They tried writing two checks at a casino one for ******* and another *******. Our bank declined one and they put stop payment on the other. Had us open a new account after 35 yrs . Now I can't write a check . ******* gave me my receipt to call *********** with the reason and code or I could write them. I called she said no reason for this to have been declined put me on hold then came back and asked about old account but wouldn't tell me what was wrong . Had all my information drivers lic. Phone number social and wanted me to give my husband's and I wouldn't. This phone number and address does does match anything on website which says contact your bank which I already did. They thought this was fishy, and no reason anything shouldn't go through. They advised that I use another way to pay and I'm not happy because I shouldn't have to . I've used checks all these years and if there's a problem I want to know where and they said they weren't allowed to tell me. I want it fixed, our bank can't do anything because no one will say what the problem is. Is it because of the fraudulent check writing from whom ever in which we do have police case numbers as the casino asked me to file and I did. I want answers and not have to give Information they already seemed to have and wanted more.
Business Response
Date: 02/28/2025
February 28, 2025
******* *****
*********************************
RE: BBB Complaint No. ******** / ******* *****
Reference Number: 39-250153990086, 39-250163990039, & 39-250213990022
Original Creditor: Cross Winds Casino
Current Creditor: TeleCheck Services, LLC

Dear Ms. **************************** has received your BBB complaint regarding your declined check to *******. The check to ******* was declined
due to the above-referenced items. We understand that you believe the debt items were the result of forgery, fraud, or identity
theft. We would like to sincerely apologize for any inconvenience, embarrassment, or frustration that the declined check and
these debt items have caused you.
For background, TeleCheck is a check acceptance and check processing company which works with merchants nationwide
who wish to accept payment by check. For many merchants, TeleCheck also provides warranty services. As part of its services,
TeleCheck evaluates and processes check payments at the point of sale for its merchant clients by evaluating transactions
against its database. If TeleCheck accepts a check, it guarantees payment to the merchant even if the check returns unpaid for
some reason.1
TeleCheck will decline a check when there are negative items associated with a check writer in its database (a
Code 4 decline) or when a statistical analysis of the check and the transaction indicates a greater risk that a check will not
clear than a merchant is willing to accept.2
In those instances, TeleCheck will issue a Code 3 decline.3

Based on the information you provided, TeleCheck located the above-referenced items associated with a returned payment
which TeleCheck warranted from Cross Winds Casino.
TeleCheck was notified these items returned unpaid from the bank on January 15, 2025, January 16, 2025, and January 21,
2025, respectively, and paid Cross Winds Casino for these items as part of its warranty to ******************, took ownership
of these items, and then assigned them to its affiliate ************ Services, **** for collection on January 19, 2025 and
January 25, 2025. Below is a summary of the active items in our database:
Consumer
Name
Acct#
(Last 4)
ID#
(Last 4)
SS#
(Last 4)
Check # Original Creditor Check Date $ *** Current
Status
N/A ***3580 ***4638 ***2280 9549 Cross Winds Casino January 13, 2025 $ ******* Active
N/A ***3580 ***4638 ***2280 ***** Cross Winds Casino January 14, 2025 $ ******* Active
1
While a merchant remains free to accept a check even if TeleCheck declines to accept it, TeleCheck will not provide a
warranty.

2
A Code 3 is not reported to third-party consumer reporting agencies and in no way reflects negatively on a consumers credit
status. TeleCheck does not have access to a check writers account and does not verify account balances as part of the services it provides.
3
For further information about TeleCheck or if you would like to request your TeleCheck File Report please visit:
**********************************************************************************, or call TeleChecks ******************** at ************** to
request that a form be mailed to you.
N/A ***3580 ***4638 ***2280 ***** Cross Winds Casino January 15, 2025 $ ******* Active
*NOTE: 0 or N/A appearing in grid indicates inapplicability based on transaction type.
We understand from your complaint that you believe these items may be the product of forgery, fraud, or identity theft. We ask
that you provide any information that you have to support these claims. Documentation that best substantiates your claim may
include any of the following:
(1) a TSI Forgery/Identity Theft Declaration (form enclosed);
(2) a police report referencing the bank account, the unauthorized activity, and items at issue;
(3) a completed FTC Identity Theft Report Affidavit available at ***********; or
(4) a completed bank affidavit or declaration listing disputed debts.
Please note that any confidential information you provide is legally protected from unauthorized disclosure. Please send any
documentation or information by mail to: Mail: TeleCheck Services, LLC, Attn: ************** P.O. Box 6806, **********,
MD 21741-6806. If you wish to fax this information, please send it to **************. If we do not here from you with further
information, we will assume that you accept the validation we have provided and are no longer disputing the item.
If you would like to request a copy of your TeleCheck File Report, please either visit our website at
****************************************************************************************************** or if you would like to complete a hard copy form, please call our
******************** at ************** to request we mail you a form.
While we have done our best to respond to the issues you have raised, if you have any additional questions or concerns, please
call me directly at ************** or by email at ************************** You may also contact our Consumer Call
Center at ************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET. This would be the best time to reach a supervisor if
additional assistance is necessary. Please also review the following important notice below.

NOTICE: If requested, TeleCheck will provide a description of the procedure used to determine the accuracy and completeness
of the information and will include in it 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. Please be advised that consumers
have the right to add a statement to their 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, the consumer has the right to
request that TeleCheck provide notification of deletion or revision of the inaccurate or unverifiable information to any person
specifically designated by the consumer 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 consumer files a statement of dispute, consumer has 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 consumer 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 the consumer, in writing, of
this action, within 5 business days of its occurrence.
PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER
ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK.
Sincerely,
******* *****
Customer Answer
Date: 03/05/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[Please type your response here.] Thank you for the help with this. I will not be satisfied until our name has been cleared from any wrongdoing. I had filled out the documents online with TeleCheck and submitted the police report, bank info the whole thing. Then last week I get papers wanting me to submit what I already had done the previous week and then received another set of papers with different numbers to submit same information as they have sent in their response here. I will send them back. I tried calling them to find out why I needed to, when I already submitted the information being requested on their website with the required documents only to be told they couldn't help me and had me call a different number in which was a fax machine. I have got nowhere and just want this fixed. Since then, we were notified of the third attempt to write yet another check that the casino allowed. This was mentioned in the information TeleCheck sent in as a response. So, until our names are cleared and can write checks again with no problems and TeleCheck can do better with responding and stop asking for information already supplied, it's not acceptable.

Regards,

******* *****
Business Response
Date: 03/21/2025
March 21, 2025
******* *****
*********************************
RE: BBB Complaint No. ******** / ******* *****
Reference Number: 39-250153990086, 39-250163990039, & 39-250213990022
Original Creditor: Cross Winds Casino
Current Creditor: TeleCheck Services, LLC
Dear Ms. **************************** has received your BBB response to our letter dated February 28, 2025. We understand your concerns and apologize
but we do not show any record of receiving the documentation you sent.

To make it as simple as possible, I have enclosed another TSI Forgery/Identity Theft declaration form with this response. To
expedite the process of updating the debt items, you can email me directly at the email address listed below or fax the
completed form to **************. Please include the tracking number listed above.
Below is a summary of the active items in our database:
Consumer
Name
Acct#
(Last 4)
ID#
(Last 4)
SS#
(Last 4)
Check # Original Creditor Check Date $ *** Current
Status
N/A ***3580 ***4638 ***2280 9549 Cross Winds Casino January 13, 2025 $ ******* Active
N/A ***3580 ***4638 ***2280 ***** Cross Winds Casino January 14, 2025 $ ******* Active
N/A ***3580 ***4638 ***2280 ***** Cross Winds Casino January 15, 2025 $ ******* Active
*NOTE: 0 or N/A appearing in grid indicates inapplicability based on transaction type.
If you have any additional questions or concerns, please call me directly at ************** or by email at
******************************************. You may also contact our ******************** at ************** Monday-Friday 8:00 a.m. to
5:00 p.m. ET. This would be the best time to reach a supervisor if additional assistance is necessary. Please also review the
following important notice below.

PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER
ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK.
Sincerely,
******* *****
Consumer Resolution Services 051618V2INQ017
Enclosure

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TeleCheck Services, LLC is NOT a BBB Accredited Business.