Complaints

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

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• 

  TeleCheck Services, LLC

  600 Vel R Phillips Ave Milwaukee, WI 53203

• 

  Telecheck Services Inc

  2750 Lake Villa Drive #303 Metairie, LA 70009

• 

  Telecheck

  PO Box 6806 Hagerstown, MD 21741-6806

• 

  Telecheck

  250 Mill St Rochester, NY 14614-1026

• 

  Telecheck Services, Inc.

  6161 Busch Blvd Ste 108 Columbus, OH 43229

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:06/21/2022

  Type:Billing 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 am trying to get in touch with TeleCheck a) to find out who u r & what u do b) why am I being charged $770 in insufficient fee charges c) is there a # I can call to speak to someone that doesnt have a very heavy accent? Someone that can understand me too?

  Business Response

  Date: 07/05/2022

  June 30, 2022

  
  *****************************
  192 *******
  ***********, ** 19067
  RE: BBB Complaint No. ******** / *****************************

  
  Dear ******************,

  
  TeleCheck has received your BBB complaint regarding a check transaction processed on your account. I would like to
  sincerely apologize for the trouble you have encountered with this transaction. Please note I tried reaching out to you at the
  phone number provided in your complaint (**************) on June 22, 2022 and left a message requesting more information.
  If you would like to discuss this with me directly, please call ************** or reach me directly by email at
  ********************************.
  For background, TeleCheck is a check acceptance company and specialty credit reporting agency 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.
  While we understand your frustration, we need a little more information. We understand you are questioning what you believe
  to be a "fee". Please be advised TeleCheck would not charge a single $770 fee so this is likely an actual check transaction
  TeleCheck is processing. To help us locate the specific check transaction in our system or identify any other issues, please
  provide any or all of the below additional information:
  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.
  Please note all information you provide us is legally protected from unauthorized disclosure.
  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 you can reach me by email at ************************** 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:06/11/2022

  Type:Sales and Advertising 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 am currently waiting for a new debit card. I rarely ever write checks. I was 40 minutes from home with a cart FULL of groceries and my check go denied because it wasnt verified by telecheck. There is no reason for my check to NOT GO THROUGH. I HAD MORE THAN ENOUGH MONEY IN MY ACCOUNT!!! This issue really needs fixed. I am beyond LIVID.

  Business Response

  Date: 06/21/2022

  June 16, 2022
  *************************
  207 ************
  **********, ** 16248
  RE: BBB Complaint No. ******** / *************************
  Dear ****************,
  TeleCheck has received your BBB complaint regarding a check decline. I would like to sincerely apologize for the trouble you
  have encountered with this decline. Please note I tried reaching out to you at the phone number provided in your complaint
  (**************) on June 14, 2022 and June 16, 2022, but I received a message that your voicemail had not been setup and I
  could not leave a message. If you would like to discuss this with me directly, please call ************** or reach me directly
  by email at ********************************.
  For background, TeleCheck is a check acceptance company and specialty credit reporting agency 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.
  While we understand your frustration, we need a little more information to help us locate the specific declines in our system so
  we can help resolve your concerns. With this information we should be able to better figure out why you received the decline
  and see if there are any additional steps that we can take to minimize the chance you will receive any other declines in the
  future. Typically, we utilize a specific decline number you should have received at the point of sale, which is provided 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 transaction 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.
  Please note all information you provide us is legally protected from unauthorized disclosure.
  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 you can reach me by email at ************************** 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.
  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
  processing services it provides. For further information please visit https://getassistance.telecheck.com/how-telecheckworks.html.
  IMPORTANT NOTICE:
  REFER TO TRACKING NUMBER
  458801
  IN ALL FUTURE CORRESPONDENCE
  3 ************************
  **********, ** 21740
  Page 2 of 2
  
  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:06/11/2022

  Type:Billing 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 is hired by family dollar-it keeps declining checks at the family dollar insisting i have bad credit. ihave have already resovled this now 4 times and this morning was at the family dollar on ********* ******** ** and the store on 1st ave and checks were declined again......family dollar ********************************************** ************ family dollar ********************************************* ************... i have **rrected this error on at leats 4 separate ocassions have an excellent credit history and it appears when a bank bbt was changing to truist this problem was never resolved or **rrected....a bunch of ******** today 6-11-2022 after the declines at family dollar 9:39-10:11 i went to the dollar general for the same merchandise if they had it 11:25 and feelthis telecheck ** needs to be shut down as they are preventing people from spending thir own money and have reported to merchants faud on this ac**unt which i have filed with the ************************** as no retailer based on wrond information from telecheck can slander or defame someone in a public place.....shut telecheck downnnnnnnn.

  Business Response

  Date: 06/17/2022

  June 17, 2022

  
  ***************************
  523 **********
  ********, ** 31768
  RE: BBB Complaint No.17414442 / ***************************
  

  Dear ******************,
  TeleCheck has received your BBB complaint regarding multiple check declines at Family Dollar. We would like to sincerely
  apologize for any inconvenience, embarrassment, or frustration that these debt items have caused you as that is certainly not
  our intention.
  For background, TeleCheck is a check acceptance company and specialty credit reporting agency which works with merchants
  like Family Dollar nationwide who wish to accept payment by check. 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 TeleCheck does not report to the
  three major credit reporting agencies (Equifax, Experian, TransUnion), so any item in its systems should have no effect on your
  scores with those agencies, and we would not note to any merchant that you have bad credit.
  With the information from your complaint, we were able to locate the transactions in question and the Trace IDs associated
  with them which were transactions processed on a *********** checking account ending in ***0092.
  The declines listed below were due to your check writing history.
  Merchant Date Check # Amount $
  Family Dollar 332 June 11, 2022 **** $61.28
  Family Dollar 332 June 11, 2022 **** $61.28
  Family Dollar ***** June 11, 2022 **** $67.99
  In researching your complaint, we also located an unresolved stop payment item in TeleChecks system which is also
  contributing to the Code 3 declines you are receiving.. Below is a summary of the active item in our database:
  Merchant Date Check# Amount Current Status
  Tires Plus 12/10/2017 **** $ ****** 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
  processing services it provides.
  3 For further information about TeleCheck or if you would like to request your TeleCheck File Report please visit:
  https://getassistance.telecheck.com/how-telecheck-works.html, or call Tele Checks ******************** at **************
  to request that a form be mailed to you.
  3 ************************
  **********, ** 21740
  Page 2 of 5
  We understand that you believe this item *** be the product of fraud since this item was reported as a stop payment. We ask
  that you provide any information that you have to support a claim the underlying debt *** be forgery, fraud, or identity theft.
  Your complaint referenced a report filed with the ************************** which TeleCheck would not have. If that report
  identified the above-referenced open item in our system it *** be enough information for TeleCheck to update its records.
  Otherwise, documentation that best substantiates your claim *** include any of the following:
  (1) a TSI Forgery/Identity Theft Declaration (form enclosed);4
  (2) a completed FTC Identity Theft Report Affidavit available at www.ftc.gov; or
  (3) a completed bank affidavit or declaration listing disputed debts.5
  Please send this information to by fax to ************ or directly by email at ************************** With the above
  information, we *** be able to update our records to reflect that these items were the product of fraud or identity theft. Please
  be assured that any information you provide is protected from unauthorized disclosure.
  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 reach me by email as indicated above. You *** 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
  Enclosures
  051418V2INQ013
  4 Confidential information that you

• Initial Complaint

  Date:06/09/2022

  Type:Billing 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 used an old bank account from over 10 years ago to decline a retail purchase at CVS on June 9th, 2022...the store number is #****....I am attaching the declined check to this complaint...I demand to know if this information is on my credit report because it's not on my copy of my credit report and I'd like for them to remove the bad information because it is against FCRA federal laws. If I can not get info from Telecheck I will be filing a complaint in Federal court ...the old bank account in question is ***************************************** account is 10 years old

  Business Response

  Date: 07/05/2022

  July 1, 2022
  ***********************
  31012 ***********
  ********, ** 48186
  RE: BBB Complaint No. ******** / ***********************
  Dear **************,
  TeleCheck has received your BBB complaint regarding a declined check CVS Pharmacy. I would like to sincerely apologize for the
  trouble you have encountered with this decline. The check received a Code 4 decline due to previous bank debt which has been
  removed as described below.
  For background, TeleCheck is a check acceptance company and specialty credit reporting agency which works with merchants who
  accept payment by check. TeleCheck evaluates and processes check payments by analyzing transactions against its database.
  The check that received the Code 4 decline response was written on a ******* ****** Bank checking account ending ****. The
  Code 4 decline response was due an outstanding bank debt from *************** ********************* TeleCheck attempted to verify
  the previous debt with *************** ********************* but the bank response did not confirm this debt. TeleCheck has updated
  this item to remove your identifiers and you should not experience further issues due to this item. A summary of this information is
  listed below:
  Consumer
  Name
  Acct #
  (Last 4)
  ID#
  (Last 4)
  SS#
  (Last 4)
  Original Creditor Check Date Amount $ Current Status
  *********************** ******* ******* ******* ***************
  Federal Credit Union
  February 4, 2016 $255.94 Inactive
  We believe this resolves the issues you have raised. However, 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:05/31/2022

  Type:Billing 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.

  MY CHECKING ACCOUNT, NO. **********, WITH ********************************************************************************************************, WAS DEBITED; $12O.OO, ON 05/25/2022. I DID NOT AUTHORIZE THIS TRANSACTION, NOR HAVE I HAD ANY KNOWLEDGE OF TELECHECK SERVICES. I CALLED THE NO. FOR TELECHECK, AND THEY WON'T GIVE THE NAME OF THE COMPANY, THAT WAS PAID. THE CREDIT UNION HAD NO ANSWERS, FOR THIS FRAUD SCAM. PLEASE HELP ME RESOLVE THIS. MY CHECKING ACCOUNT IS NOW - $63.14. IN ARREARS. SINCERELY, ***********************

  Business Response

  Date: 06/17/2022

  IMPORTANT NOTICE:
  REFER TO TRACKING NUMBER
  456988
  IN ALL FUTURE CORRESPONDENCE

  Please see attached for full response.

  Dear ******************,
  TeleCheck, a check processing company, has received your BBB complaint regarding what we understand you believe was an
  unauthorized debit from your checking account. The debit, a $120.00 item paid to Genesis-FS **** Services on May 25, 2022
  was processed on a Central One ******************** checking account ending in 6708.
  We would like to apologize for any frustration this debit may have caused and for your interaction with our customer service
  center. Please understand our representative was not refusing to provide information to you about the debit but given the
  information you provided, was unable to locate it. Since then, we have been able to locate it but as discussed below, TeleCheck
  cannot modify the transaction at this point. Accordingly, our recommendation is that you dispute it with your financial
  institution Central One ********************.
  The debit transaction here to Genesis-FS **** Services on May 25, 2022 was approved1
  by TeleCheck. After TeleCheck
  approved it, the transaction was submitted for payment to your bank via the *** network. Once a transaction processes
  successfully, there is unfortunately no further action TeleCheck can take regarding it until you dispute this with your bank. If
  your dispute is successful, your bank will generate a return the merchant and funds will be returned to you. Once that occurs,
  you can dispute the item with us and we should be able to update it to fraud in our system. To aid you in this process, we have
  included a copy of the payment receipt as validation of this transaction.
  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 you can reach me by email at ************************** You may also contact our
  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
  Enclosure

  Customer Answer

  Date: 06/18/2022

  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.]MY BANK, NOR I , HAVE NO RECORD OF THIS $120.00 TRANSACTION FROM TELECHECK. I DEMAND A REFUND. 
  
  Regards,
  
  ***********************

  Business Response

  Date: 06/29/2022

  IMPORTANT NOTICE:
  REFER TO TRACKING NUMBER
  460329
  IN ALL FUTURE CORRESPONDENCE

  Please see attached for full response.

   

  Dear ******************,
  We have received your letter to the BBB indicating that you do not accept your response. While we are sorry you do not, there
  is not much more that we are able to do here. Please keep in mind TeleCheck merely acts as a payment processor in this
  situation. Any complaint you may have is more properly raised against *************** Services who submitted the item for
  processing.
  We have previously provided our recommendations on how to resolve this matter. As a courtesy, we are reattaching our
  previous letter to you, so you have them handy. Please let us know if there is anything else we can do to assist you.
  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 you can reach me by email at ************************** 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:05/26/2022

  Type:Billing 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 sent me letter stating that l owe ****** I told them that that account was closed 2 years ago but they still keep calling me because someone wrote out check to ******* an now they want me to write a letter to them my driver license number is not on them

  Business Response

  Date: 06/08/2022

  IMPORTANT NOTICE:
  REFER TO TRACKING NUMBER
  456647
  IN ALL FUTURE CORRESPONDENCE

  please see attached for full response

  Dear ******************,
  TeleCheck received your BBB complaint about the above item which we understand you may believe was the result of forgery,
  fraud, or identity theft. We would like to sincerely apologize for any frustration that this debt item has caused you as that is
  certainly not our intention. As discussed below, this item was presented on a bank account that you stated was closed two years
  ago.
  For background, TeleCheck is a check acceptance company and specialty credit reporting agency 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
  The item above was processed March 27, 2022 on a ************ checking account ending in ****. TeleCheck was notified
  of these items on March 31, 2022, paid ******* for this item, took ownership of this item, and then assigned it to its affiliate
  TRS Recovery Services, **** for collection on April 7, 2022.

• Initial Complaint

  Date:05/17/2022

  Type:Billing 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 April 10th, 2022 I wrote check# **** in the amount of $47.04 at Giant Food Stores. Between the time the check was written and presented to my account for payment I had debit card fraud hit my account which took my account into the negative, which then caused the check to be rejected. I addressed this issue with my bank and the funds were returned to my account. Then on April 28th 2022 the check was represented to my bank and cleared my account. On 4/29/22 I went to Giant and wrote check #**** which was declined due to Telecheck. When I reached out to them I was told it would take up to **** days for their system to update, ok fine. On 5/12/22 I once again attempted to write check #**** in the amount of $29.45 at Giant and it was declined. When I called Telecheck the recording told me that there was no debt on my account, but my account was cited at high risk. When I spoke to a representative they stated all history was deleted from my account so I would have to rebuild that and to give it 72hrs. Now today 5/17/22 I once again attempted to write check #**** in the amount of $59.45 and once again it came up flagged as high risk. The employee at Giant said they can not override it and I need to talk to Telecheck. I once again called Telecheck and told them what happened and asked them to remove whatever flag they had on my account. The representative recommended I try another check. Why would I try another check when they have it flagged. I am beyond fed up. I have written checks at Giant for over 20 years with no issue until now.

  Business Response

  Date: 05/27/2022

  Please REFER TO TRACKING NUMBER
  455278
  IN ALL FUTURE CORRESPONDENCE

  Dear ******************,
  TeleCheck has received your BBB complaint regarding check declines that you received at Giant Food. We would like to apologize
  for any frustration these declines have caused as that is certainly not our intention. As discussed below, modifications have been made
  to your account to help limit the likelihood of future check declines.
  For background, TeleCheck is a check acceptance company and specialty credit reporting agency 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
  With the information in your complaint, we were able to locate the transactions in question. The transaction with Trace ID
  *********************** was processed on a Pennsylvania State ********************** checking account ending in ******* and
  returned from the bank on April 22, 2022 for insufficient funds, which we now understand from your complaint was related to
  fraudulent activity on that account. After the bank corrected the debit card fraud and credited funds back to your bank account, the
  check was redeposited on May 6, 2022 and the debt item for the returned item was cleared from TeleChecks system.
  As a result of the information provided in your complaint, TeleCheck has made some modifications to your information in our system
  which we believe will reduce the likelihood of future Code 3 declines. Our records do not show any recent transactions since we made
  these adjustments.
  While we have done our best to respond to the issues you have raised, if you have any additional questions or concerns, or if you
  experience any other declines, 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:05/15/2022

  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 went to write a check at ******* on 5/15/2022 in the amount of ****** and was declined with a code 3. I was told to many transactions on this account that is not a normal pattern. This is very false information. Along with it being payday, I grocery shop at several stores and write large amounts of checks. There is a pattern and history of such, so why is there a problem now?You cannot get an American that you can understand, and I am starting to wonder if those countries that Telecheck employs are not thieves. This is absurd I need this resolved so I can get my groceries and do the other shopping I need to do

  Business Response

  Date: 05/27/2022

  IMPORTANT NOTICE:
  REFER TO TRACKING NUMBER
  454875
  IN ALL FUTURE CORRESPONDENCE

  Please see attached for full response

  Dear ****************,
  TeleCheck has received your BBB complaint regarding check declines that you received at ******** We would like to apologize for
  any frustration these declines have caused as that is certainly not our intention. As discussed below, this issue appears resolved.
  For background, TeleCheck is a check acceptance company and specialty credit reporting agency 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

  With the information in your complaint, we were able to locate the transactions in question and the Trace IDs associated with them,4
  which were processed on a Bank of ****** checking account ending in *******. TeleCheck issued a Code 3 decline for these
  transactions because of a high level of recent activity associated with this checking account and because the recent transaction history
  was not within your usual check writing patterns. However, as a result of the information provided in your complaint, TeleCheck has
  made some modifications to your information in our system which we believe will reduce the likelihood of future Code 3 declines. As
  of this letter, TeleChecks system indicates that you received two check approvals: one on May 16, 2022 for a check written to
  Walmart **** for $293.01 (check *****) and another on May 17, 2022 at ******************** 366 for $61.29 (check number *****), so we
  now believe that this issue has been resolved.
  If you have any additional questions or concerns, or if you receive any other declines, 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.

  *************************
  Consumer Resolution Services

• Initial Complaint

  Date:05/11/2022

  Type:Billing 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 steals merchants money by taking 1.5% fee on all checks even if the check is not deposited into the owners business account. They have stolen $360 of my money when they should have taken $14. I use clover merchant services and clover is also not aware of this...except for today when I got them on a 3 way call. Twice they hung up. The final time they admitted to taking the fees. FRAUD.Also, I thought a $500 check was deposited using tele check. It was declined. I brought the check to my bank to deposit it...IT had actually gone through telecheck AND my bank...So my bank had $500 TWICE. FRAUD

  Business Response

  Date: 05/20/2022

  Good Afternoon *******!
  
  I am in receipt of your Better Business Bureau complaint and wanted to follow up with you regarding the complaint. 
  
  In your terms and conditions with TeleCheck you agreed to be charged ****% of all transactions processed and $.20 per transaction. This is charged whether the check is approved or not because you are inquiring TeleChecks database.
  
  You processed checks multiple times and were charged for every inquiry.  As a courtesy, I have asked to have the duplicate check charges refunded. The amount of the duplicate checks that you processed was $18,500.00,I multiplied that by ****% as this amount is the processing amount you agreed to. There were 6 duplicate checks in total. As another courtesy I requested to have the $1.20 in transactions fees refunded as well. The total amount to be refunded is $278.70. 
  
  Your account with TeleCheck has been cancelled as of April 26,2022. 
  
  Your refund approval will take 5 7 business days.  When the refund is approved we will electronically refund.  This process will take **** business days depending on your financial institution.
  
  If you have any further questions please let me know.
  
  Thank you!
  
  *********************************
  Client Support Tier 2 Professional II
  *********** Operations

   ****************************

  Customer Answer

  Date: 05/20/2022

  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.
  I have submitted 3 disputes with Telecheck and all 3 were denied.  I have been dealing with this for 2 months.  I recently got another **** for $366.33 AFTER my tele check account was cancelled.  What they are doing is FRAUD.   Just because they agree to give me a refund doesn't mean that they will.   I have stopped any draft leaving my business bank account simply because if you search for Telecheck FRAUD online it seems to be a huge issue across *****************.    

  I want my name or my business removed permanently from the TELECHECK database.  I also DO NOT want to get another **** .

  You cant convince me that 1.5 % fee is fair for any business attempting to use a service.  All it boils down to is that TELECHECK is taking merhants money even if their services are c*** I regret ever trusting this fraudulently company.  I expect a refund and not another **** in the mail.

  
  Regards,
  
  *********************************

  Business Response

  Date: 06/10/2022

  Good Morning *******
  
  I have reviewed your account and the refund has been issued to you.  You should receive your refund into your bank account by 6/17/2022 in the amount of $278.70. TeleCheck bills a month behind meaning transactions in March would be billed in April.  This the reason that you received an invoice after your account was closed. This was your last invoice from TeleCheck you will not receive another one. 
  
  As per your term and conditions acknowledgement when signing up for TeleCheck with your Clover device you agreed to the 1.5% processing fee for checks.  These fees are very clearly laid out in the sign-up process. We apologize that we did not meet your expectations. 
  
  Thank you! 
  
  *********************************
  Client Support Tier 2 Professional II
  *********** Operations

  Customer Answer

  Date: 06/10/2022

  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.
  
  I received the invoice AFTER I PAID telecheck...  It took an act of congress and many 3 ways calls to Clover processing and Telecheck on the phone to actually get anyone to listen.  This will be resolved IF and WHEN i get a full refund. 
  Regarding the agreement - no one, NO ONE in their right mind would or even should agree to a 1.5% processing fee when its free at any local BANK.  Also, telecheck charged me 1.5% on checks that we attempted to deposit.  These checks were not even in my account.   
  
  Regards,
  
  *********************************

  Business Response

  Date: 06/17/2022

  **********************, 
  
  When you clicked to accept the terms and conditions of the TeleCheck agreement you accepted all financial responsibility.  We have waived the charges for erroneous transactions. 
  
  Your refund has been approved for ACH back into the account TeleCheck debited from. 
  
  Thank you!

• Initial Complaint

  Date:05/03/2022

  Type:Billing 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.

  Tele check and their collection company keeps calling and sending letters about $100 for apparently a check I wrote, when I call them to ask information about the check they ask for my bank account #, their routing number, my DL# and SS# to pull out my account information, obviously Im not giving any of that information, I gave them the account number associated with their account but apparently cant find any information, #1 I had no idea who they were until I started to get phone calls from them, I do not do any business with them. #2 I do not use checks to make payments nor transactions. They are calling to scam people hoping that people will give them all their personal information to clean your bank account. Dont waste your time talking to these scamers.

  Business Response

  Date: 05/17/2022

  IMPORTANT NOTICE:
  REFER TO TRACKING NUMBER
  453285
  IN ALL FUTURE CORRESPONDENCE

  please see attached for full response. 

  Dear **********************,
  
  TeleCheck received your complaint about the above items which we understand you may believe were the result of forgery, fraud, or identity theft. While we sincerely apologize for any frustration that our collection efforts may have caused, our and our agencys efforts are not scams but rather efforts to collect on debts which were assigned to us by Penn Interactive Ventures LLC. As discussed below and reflected on the attached debt validations, these items were linked to you through banking information and a SSN.
  
  Relevant here, TeleCheck is a check processing company that offers warranty services.When TeleCheck accepts a check for processing, it provides a warranty in the event the check returns unpaid.  Here, Penn Interactive customers can tie their gaming 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.
  
  Both items above were processed as checks (a $90.00 check transaction and a $100.00 check transaction, each on February 13, 2022 on a *********** checking account ending in 5886)[1],returned unpaid, and were warrantied by TeleCheck who then acquired ownership of the debt items. As part of our investigation, we contacted Penn Interactive who provided the enclosed electronic receipts as validations. TeleCheck warrantied these items for Penn Ventures and they were assigned to Transworld for collection on April 3, 2022.
  
  
  
  With the above information, we may be able to update our records to reflect that these items were the product of fraud or identity theft.
  
  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 ******************** 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. Finally, please also review the following important notice below.
  
  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,
  
  **************************
  Consumer Resolution Services                                                                                                                 
  
  Enclosures