Telecheck

I tried to write a check out at a local health food store, Sprouts, and was denied by Telecheck. I called, and they said that I had too many checks written in a certain amount of time. I always use checks, and always have. I don't carry cash, and don't use my credit card, unless it is an online order. By them refusing my check, I have no way of paying for my purchase. It is not anyone's business how many checks I write, nor the amount I write them for. The only thing Telecheck is supposed to do, is inform them if I have an outstanding NSF check.

I wrote a check for Sam's membership and was told Telecheck would not allow it through.

I was trying to open a new checking account and was denied by Telecheck. I called the number the bank gave me to see what had happened as I do not write hot checks nor do I go over my balance with my debit card. After 3 days of trying to get an actual person on the phone, they were very cryptic and did not seem to want to tell me why I was denied. Then they said my name was on a checking account at my current bank that went into default in 2009 so my name was turned in to them. The account that went into default was not my account and I was neither a joint account holder or a co-signer. I was merely a beneficiary on the account. I intend to go to my bank tomorrow and try to convince them to correct this.

I have had 4 checks declined by Telecheck because they fall outside their guidelines. My wife has written checks where Telecheck would not okay my check.

I went to Wal-Mart to purchase gift cards for all of our associates as we have done for many years. Because Wal-Mart can only do up to 55 gift cards in one transaction, I have 3 checks sent down from our corporate office made payable to the particular Wal-Mart we use. The first transaction went through with no problems. The 2nd check was declined by Telecheck. But after the Wal-Mart rep called them, they allowed the 2nd check to go through.

Telecheck said it was "suspicious activity". The last check was again declined. This time, Telecheck refused to allow it to go through. There is absolutely no reason why they would do this, other than because they can. I spent 2 hours at the service counter trying to get all of this done and had to leave without some of the gift cards. Merry Christmas to all those associates who did not get a gift card - love Telecheck.

Refused my check at JC penny. I write a check to the grocery store at least once a week every week. Called TC, they said I am linked to a defunct account as a co-signor with my ex husband that was closed 6 yrs ago. I had to visit my bank, ask them to write a letter and defend myself. There is no truth to their accusation. We are divorced and have had separate accounts for 6 yrs. JC penny blames TC, TC blames my bank. My bank is the best credit union in this city, TC and JCP can go to hell.

I went two of the stores in Dothan, Alabama where my son is supervisor of and bought groceries and both times, my checks were declined. Not because I did not have funds to cover but a security risk, the amount of the checks and how often I wrote them. I presented a check was more than seven days time between checks. Was told not to write such large checks and they would try to let them go through. Since when did a company decide what you could spend of your own money? We have A-1 credit and no bad checks and this company said I would be denied each time if the check was more than $50.

Twice this past week Telecheck denied my check for my purchase. I had to put the purchases on my credit card. The first time I called Telecheck and asked why they denied my check. They said I had made too many purchases within the last two days. I was livid! It is almost Christmas and it is nobody's business how many checks I write if I have the funds to cover it! They said they were trying to prevent fraud. That's a bunch of bull! Something's going on and someone needs to get to the bottom of it.

My check was denied at two local merchants by telecheck. When called them to find out why they told me that there was a similar information attached to my account and that was what was stopping my check. I was told I had to fax them a voided check, my drivers license number and my SSN. I told them that they already had that information. That did not matter I had to send it to them. This was so their research dept. (who you cannot call) can research the info. What a crock of crap. They attached the similar info to my acct. so they should know how to take it off. This company is just making trouble for honest people who write checks.

I wrote a check to a grocery store that didn't go through my account the first time but cleared the second time it ran through due to some financial situations. Two weeks later, I notice a 30 dollar ach withdrawal from my account. I had no idea what it was for, so I contacted the bank and they told me TeleCheck had withdrawn the money. They had no written consent from me to withdraw any fee nor did they notify me of a fee being charged. When I finally got in touch with a human, she told me that they do not have to post any written information in the store you write the check for.

So in other words they can do what ever they want and charge what ever fees they want without the consumer being aware of the situation or fees involved until they notice it has been taken from the account. I want the $30 returned to my account because there was not authorization from me telling them they could take it, nor was I aware of such a fee being charged. They have been successfully sued by West Virginia for charging fees without prior consent. I want the money put back in my account.

Electronic Funds Transfers rejected. No reasons given. Was referred to "guidelines". Had to enter 25 digit bank routing and account number 3 to 5 times before talking with "human" operator. They cannot find me with valid CA drivers license.

I wrote a check in September 2009 that was not paid due to a coding error by either a store employee or Telecheck. Shortly after that, I quit writing checks for a long period of time due to other circumstances. In early 2011, I began using checks again but they were declined. I didn't think much of it since I had been having some ongoing issues and used my account debit card more often.

In July 2011, a check for my husband's personal account was declined. I called Telecheck and was told that the check was declined because of the September 2009 check error. When I asked why the company did not contact me before this, I was told that they use the POS declining mechanism. I filed a complain resolution form in September 2011 along with a money order for $101 advising that I was deducting $1.76 for the cost of the money order and research expenses. I have heard nothing since then.

Terrible company. My experience was identical to David's: TeleCheck refused my check. I called them, and they did not have a good reason to decline. I have money in the bank. I have no bad checks. If this type of thing continues, I will be taking my business elsewhere. I agree with David and others that we should stop going to retailers who use Telecheck.

Walmart told me that I have bad checks out there, either in general or just with Walmart so they could not issue a refund/gift card associated with my State-issued Texas license. They disparaged my name and integrity! I was treated like a criminal. Information is/was false (they confirmed it) and they could not provide the document in question, anyway, due to time frame involved. No information was given to me other than my name--but was still guilty and my license showed that. I was treated badly by all involved from Walmart to Telecheck Services (aka: TRS and SMS services based in Houston). I was emotionally distraught for the fact that my State-issued Texas License is linked to fraudulent activity by a person or persons and I am the one in question with absolutely no proof to base the charges on. I cannot clear my name due to this company's fradulent scamming of innocent persons! These companies are using my legal name and reputation illegally to justify their job and collection procedures. I want Walmart, TRS, TRS' President: Sam **, SMS and Telecheck be held accountable by the State Attorney!

I was paying a traffic fine and wrote a check. I have written many checks with merchants through the years. The check was declined and I was given a phone number and code to call Telecheck. I called yesterday and spoke with a Domican Republican named Sarah. After demanding all of identifying information and ignoring my repeated requests to know what this was about, she informed me that there was an outstanding debt to Compass Bank for fees. I never banked at Compass Bank. I have been with my own bank for 25 years. She said that my driver's license number was attached to this particular account at Compass Bank. I told her that I wanted to see every written document on this "debt". She said that she would "mail it" to me and I should have it in a week.

I called back today and got a "supervisor" on the phone by the name of Michael. After again demanding all of my information, he said that the ID on this Compass debt was "similar" to mine. He said that he "couldn't" manually override the issue. And he said that I would have to send a fax of my social security card, my driver's license, and a copy of one of my checks (red flags). This is someone outside the U.S., not subject to U.S. laws, who is asking me for information they could easily duplicate. I refused. He said that "unfortunately", I wouldn't be able to write checks if I didn't send the information in (notice the difference in their stories). I asked to speak to his supervisor. He said, "Unfortunately, I am the only supervisor available on the floor." When I asked for the phone number of the corporate office, he said, "Unfortunately, I don't have that number." Thoroughly furious by this time, I yelled: "Unfortunately, I will have to go to the Colorado State Attorney General's office and unfortunately, I will file a complaint. And unfortunately, I will write to your corporate office. And unfortunately, I will have to go to my local television station about this. And unfortunately, I don't have time to put up with your ** anymore. So unfortunately, buh-bye." And I hung up.

I did some research and the way Telecheck remains the leading check service in the country, is just this way. If they don't have information on you in their database, they will threaten your ability to write checks until you give it to them. If they have old information on you in their database, they will decline your check and get the info from you via bogus "debts", "bounced checks", etc. They prey on your fear, because most people don't intentionally go out and write bad checks. Telecheck is owned by First Data. They own Wells Fargo and some other banks. This is just another example of abusive banking practices, with little to no control by the federal government's regulatory agencies. I suggest everyone who has had trouble with Telecheck to write to their Attorney General and their federal representatives. I am going to do just that. It's no wonder there is so much identity theft. Telecheck gives it away to untrained, unknown people outside the U.S. What a boon to poorer economies and what a loss to the American consumer! I suggest you boycott any store that enlists the services of Telecheck. I am going to do that.

As a follow up to my earlier post, there is something to be done. I'd had my checking account since 1997, but was denied a check with more than adequate cash to cover due to "limited transactions" (Code 3?). My grocer owner wanted to put me on their preferred list as the proper protocol wasn't followed by employees in my case. Yes, it happens so often that the stores need to make allowances for Telecheck. When I spoke later with a supervisor at Telecheck, she informed me that even she did not know the criteria for Code 3, but she'd be happy to put my check through then since they now had all of my information and 2 hours after I'd left without my attempted purchases.

So, I called my state representative because the State of WV just successfully sued Telecheck. Ironically enough, my state rep's assistant had had this happen to her also. Right now, we are waiting to hear Telecheck's explanation, they were given 15 days to respond from our State Attorney General's Office. My advice is to contact your state attorney general or Dept. of Justice. They'd be more than happy to take this up with WV having set precedence. I won't sue, but I believe the states can use consumer complaints to file. Maybe if enough states file suit, they'll fix this issue as they should have after being caught by W. Virginia.

TeleCheck refused my check; I called them, and they did not have a good reason to decline. I have money in the bank; I have no bad checks. If this type of thing continues, I will be taking my business elsewhere. I will be complaining to the attorney general to see what can be done about the matter.

First, understand the business of enrolling with companies like TeleCheck to make sure you will get your money from a purchase.

Having stated the above, I am from the old school. I write checks for my goods and services and have been doing so for over 50 years. I have never had a check bounced, and if I can't afford it, I don't buy it. Last Saturday, I wrote a check for groceries (I shop approximately once a month and I am always writing a check) and got denied.

I was very surprised so I called TeleCheck from the store parking lot and was advised, after much button pushing by a representative, that my check was "outside the guidelines," "a high level of checks used," and a "high check amount level." The representative related that these were risk indicators. I ask specifically what risk indicators are, and the young lady, who was evidently reading from a script, could not really help me. She advised me not to write any checks for seven days. I asked her why but there was no sound reason.

Did you know that there are a lot of businesses (that do not use Telecheck) that are glad to have your business?

I cannot write checks out at Wal-Mart because telecheck has reported something on my record that is false and you can never speak with a live person. I went to my bank and it was straighten out for one day and now it is back the same way.

I have never had a problem for over 30 years, can someone please get involved and find out what's going on with this system and if it is inside hacking fraudulent business. I am also reporting this to the BBB, so something can be done about this. We as the innocent consumers are really suffering behind this, being embarrassed in the stores because of our checks being denied and cannot get the information that we need to rectify the problem. Something is wrong, so please investigate. Thank for your help.

I wrote a check to bidz.com which they did not verify because it did not fall within their guidelines. I called and told them I just sent them a check last month for the first time and they approved it. What was different now? I didn't have a history with them, which should mean I didn't have a bad history since they cashed the first check. Now, it goes on record that they didn't cash the check. How ridiculous are we getting in this country? I must contact bidz.com and tell them now.

Twice my checks were refused with no explanation other than it didn't fit their requirements. I was told I had written too many checks. I had to pay cash for items, and I was told that I should not write a check on that account for seven days. I had the bank president call the company, and it changed nothing.

I presented a check for $34.00. The check came back as declined. I got home and checked my bank account. There were sufficient funds to have covered the check. I was baffled and pissed. I contacted Telecheck. Their policy is that they decline checks based on what little history they have and if I fall outside of their guidelines. I was fuming. If the check had insufficient funds I would understand. But what more does a person that writes a check that has a decent checking history need to do? Buying checks is expensive. And it pisses me off to think of wasting checks for no good apparent reason. Whatever guidelines they have in place, they need to lax them or revisit.

I have nothing negative against my driver's license. My checking history is decent. My checks clear. My checks have my current residential information. I am the only person who writes checks against the account. I'm scratching my head to figure out why I am falling outside of their guidelines for allowing my checks to clear. What more can I do? This is the 2nd time this has happened (at a different establishment). I don't know if there is any recourse to this. I feel very strongly that this needs to be looked into because as I stated previously, buying boxes of check is not cheap. And I don't like to waste checks unnecessarily.

This morning I attempted to do my weekly shopping at my IGA grocer. Telecheck denied my check due to limited transactions. This experience was not only embarrassing and a waste of time for everyone, but the vendor has now lost a regular customer!

I had been using my debit card for years but had the card cancelled and am waiting for the replacement. I had verified with my bank that my checks would be honored in the meantime. And they also told the store it was on their end. But Telecheck says that due to my limited experience with them, it would be flat out denied, end of story. I had several thousand dollars in the bank and was unable to do my weekly shopping at Carly C's.

I have never written a bad check and that was not the reason given, only limited transactions with them (never mind that I shopped there weekly and used a debit card for 3 years). Sorry IGA. I doubt I will ever return after that fiasco! The bottom line is that if you start using a debit card, you cannot write checks anymore.

I submitted a check with my application for health insurance! I received a telephone call indicating that Telecheck had refused my check and that I would have to reapply and submit a money order for the premium. This process will take yet more time during which I will still have no health insurance. Of course, there is nothing wrong with my check! During the next month or so, while this problem is corrected, it is my intention to look into to the possibility of filing suit, hopefully class action, against Telecheck for the obvious negligence on their part in my being denied health insurance coverage, whether temporarily or not!

I had to get my check card replaced a week ago, I had not received it, so I went to use my checkbook on 9-9-11. I was on my way to the vet with my dog, and had to stop to get gas. Good thing it was a prepaid station. I tried to put in $40.00, and I was declined and was handed a slip. When I got to my vet, I called my bank. The bank said there's nothing wrong with my account, I had almost $600.00 in it. I wrote a check at the vet, for $117.90. They do not use Telecheck. I called Telecheck, they said it was because it was a new account, and verified my info, and there would not be anymore problems.

The same day, I went to Walmart, wrote a check for $55.14, it went through. I went on 9-10-11 to get my prescriptions, totaling $99.60 - it was declined. I was out of my medicine, and stood there and called Telecheck. After going through the ridiculously long process of getting to a person, I was hung up on before reaching a person. On my second attempt, I was not friendly one bit to the idiot I was dealing with. They called to verify my number (on my cellphone) so I clicked over to answer them. I had to go back to the original call as they hung up on me. I finally made it to a supervisor, who again called my cellphone and went through the same thing with getting called on my other line.

By this time, I am in a lot of pain, and this idiot tried to call my bank. It is 4pm on Saturday, of course, they got no answer. She came back on line and said she could not verify funds, so I cannot use my checking account. I have had this account since the beginning of the year and have only written 16 checks. I always use my check card. After a very steamy conversation with this person, I was hung up on. I have been at my pharmacy for many years, so they gave me a partial of my meds to get me through until Monday, when I can go to my bank, and have them call Telecheck and tell them that my account is just fine and to stop jacking me on my checking account. I cannot get cash (waiting on new check card), or write a check as I do not own any credit cards (and don't plan it), so I cannot go anywhere if they use Telecheck. I have to wait until I can go to the bank, which obviously is closed on Sundays.

Is there some legal action that can be taken at them? This is ridiculous! I have had a checking account since 1992 and never bounced a check. I switched banks, as I was, and still am, planning to move where my bank will be local and available! Now I can't get gas, grocery, or the rest of my meds until Monday after I go to my bank. I am going to take out a few hundred dollars to cover what I need until my new card arrives. So much for going to visit my friends and relax this weekend. I was in tears at the pharmacy due to not having my medications. There has to be a law, there is for everything else! Please let me know what to do about this. I have never been so embarassed in my life, not to mention in pain!

I wrote a check to purchase items for my son's 15th birthday and I was declined. I was given a code and I have never seen that code before and when I called, I was told that I did not have enough history on this account. My husband just wrote a check from this account on August 24th 2011 for $8, less than the one I tried to write.

I could not get my purchase and my son's birthday was spoiled, given that it was my only means of buying the items and I couldn't go anywhere else.

I was charged an overdraft fee, all of the sudden, from my checking account. I didn't use my account for sometime, so this gave me a flag. I went online to see why and I was charged $25.00 from somewhere, no information was given. I had to go to the bank and they had to do a lot of searching to find that it was telecheck. They just out of the blue charged my account $25.00. I have only written three checks from my account, never overdrafting. What gives them the right to just pick random people and charge them money just because they have your account number? So now, I have had to pay $32.00 from them overdrafting my account and $5.00 per day that it continued in a negative balance. It added up because I had no clue. I wasn't using my account much. Plus, the $25.00 that they took. This should be illegal! I feel so violated. This is fraud!

On August 26, 2011, I presented a check to Walmart for $60.94 that was declined by Telecheck. I was in a hurry, so I used my debit card to make the transaction. The debit card pulls from the same account that the check does. So, there were sufficient funds in my account.

I called Telecheck to find out why my check was declined. I was told because it fell outside of security guidelines. I asked specifically why my check was declined. I could not get an answer, so I asked to speak with the supervisor. I spoke with Christine. She wanted to verify that my account had enough funds. I asked her why. I had, since I completed the transaction with my debit card. She told me that I had written too many check and it was for my protection. I told her that explanation was ridiculous. I could understand it if the check was for a large amount, but it was for $60.94. If all the other checks cleared, why wouldn't a $60 check go through? I asked where I could write a complaint. I received this address: Telecheck Consumer Resolution Office of the President - 6th floor P.O. Box 4514 Houston, TX 77210-4514. I will be sending a letter of complaint. I told her the next time, I'm going to leave the store and make my purchase elsewhere.

At 12:08 p.m. on August 24, 2011, I wrote a check to Stop & Shop in Berlin, CT for $189.89. I write checks there every week for years and I never wrote a bad check to them. I ran out of checks so I used one of my husband's for his credit union at his work--Community Healthcare Credit Union. However, they denied the check.

So, I called TeleCheck and they said that we haven't used any checks in over 365 days. I told them that we pay all our bills and utilities with this checking account. I even named one of the companies we use but he said that they do not participate with TeleCheck so they have no record of used writing checks.

Now, we cannot use our checking account to any retailer who use TeleCheck. Also, they don't have a relationship with Credit Union. We were upset, embarrassed and are now being told that we can't use our checking account with TeleCheck retailers.

On 8-07-11, I presented a check to Dick's Sporting Goods at their store 070 in Florence, Ky. The amount was $63.58 and the check was declined. No reason was given except that I must call TeleCheck. I did and talked to Jolene. She said I violated their parameters. All information on the check, my ID, the bank, etc. - all checked and was valid. I asked what parameter and she said that was a security issue and would not tell me.

After several minutes and telling her I have had this account for 20 years and no check has ever been declined, she raised her voice and said, "You violated our parameters and you cannot write checks until our system reprocesses you around 6 days." I requested to speak to a supervisor and was told that none was available. When they have time they would call me back. I am still waiting.

The manager of the store that was present said they had been with TeleCheck for about 6 weeks and had many more declines that are normal. But they could not override TeleCheck. If I had bad checks, if I had credit problems, if there was no money to cover the check, etc., I could understand. But there is no valid reason to decline and/or any valid reason they could give me to decline the check. I am a retail manager and found that I am unable to get an answer except, "I violated their parameters" of which they refused to say. This would be totally unacceptable to me as a manager to give this "garbage" to a customer for a declined check. I can read all of the complaints about this company on the internet and I feel for these people, for I am now one of them.

I notified Dick's to let them know of this. It would be nice to see them take action of some kind. After all, I was the customer of DIck's Sporting Goods, not TeleCheck. To be declined with no valid reason and no valid explanation is bad. To be jerked around and told, "No supervisor is available to talk to you" is worse. When they never call back, they have too much discretion and some checks and balances need to be added.

On 6/27/2011, I wrote a check for groceries at Giant. My check was declined by telecheck. Giant gave me a receipt with a telephone number for telecheck, 1-888-398-2331, and denial record #. I called telecheck and inputted the information as the auto-recording required. Afterwards I was given a reference # and told to call 1-800-710-9898. Neither telephone number would allow me to speak to a live person. Both numbers sent me in circles without answering why my check was denied. I had since learned from my bank that it declined a different check written to Giant, but the check had cleared my bank. I have since tried to write a check with plenty of funds to cover the amount and telecheck still refuses to honor the check. How can I get my check-cashing privileges back when no one from telecheck will answer the phone? It is all automated.

In February 2011, I wrote a check out for $110.25 at Walmart. I was told that it was declined and couldn't understand why. I knew there was enough money in my account because I had just received my taxes. I was told to call my bank to see if they knew why it was declined. I called my credit union from the store, and they told me that it should not have been declined and that if I wanted, I could come withdraw cash from my account and that they were open until 6. A few days later, while I was looking over my account, I noticed that the check that I had written out posted.

I was furious and immediately called my bank and told them what happened. I did not take the merchandise that I was going to purchase and refused to pay for it. I was told to come in to sign a form and they would credit the amount back. Now today, I received a collection letter in the mail for $135.25. Unfortunately, after talking with the bank and thinking this matter was resolved, I threw away the receipt where it states that it was declined. I refuse to pay this debt, considering I don't have any merchandise to go with it. I have no idea on where to go from here.

I purchased an item at Office Max. It cost $81.11, I wrote check for the amount. The cashier ran it through and said it was declined. Knowing I had money in the bank, I called the bank, who said it was not them who declined it but Telecheck. I called Telecheck. The girl said the reason it was declined was because I did not have enough history or transactions going through, so I could not write a check that day at that store but I could at another store because she fixed it. She did that because I explained to her that my account was a business account, so I do not write a bunch of checks. She said I could not write another check at Office Max for 7 days.

Two weeks later, I went to Office Max and purchased some items. The same cashier who ran the last check through was there. She ran it through and you guessed it. Declined. I called Telecheck again. She gave me the same speech. I asked to speak to a supervisor. He said he would try to override it. He said he accidentally erased my file, then he said he could not help me. He told me that anywhere that had Telecheck would not accept my check. I asked him why. He was offended and hung up on me. The cashier said, did he hang up on you? I said yes. She was as shocked as me. So basically, Telecheck is a bunch of dummies that really do not know what they are doing. I have a business and will not use them. I do not understand why any business uses them. They decline for no reason and it loses business of companies.

I had a check that I wrote to Walmart last month. At the time, my check had bounced for NSF due to some complications with my direct deposit. The check has been cleared since 121710 and I have tried twice to write checks at Walmart and I get declined. I called the phone number to Telecheck and it states, "Our records indicate your check has been approved."

I checked my bank account today and I see that because of TeleCheck, my account is now in overdraft because they went in without my knowledge and took $20.00 for a fee. I'm worried because of all the horror stories I have read that they will take my whole paycheck without me knowing this week. How can they just take extra money from your account without you knowing and not allow me to write any checks? And when I called them, they say my check was approved! This is ridiculous! Someone should look into this! I haven't been able to write a single check and my bank account has been put in overdraft because of this. It is making me look bad to another company with whom I made a payment to and now their transaction was declined because of the overdraft TeleCheck created.

On December 21, 2010, we drove to a mall about 30 miles away from our home to shop for Christmas. Before we visited the mall, we picked up some groceries at Walmart to the tune of about $115, paying by check. We then went to the mall and I picked up three items at Best Buy which came to about $210. At checkout, my check was denied by Telecheck and the Best Buy clerk could not tell me why. I left the store and called the 888 number that was printed on the back of my denied check.

The automated voice told me, after entering in an ungodly amount of numbers, that I wasn't denied due to any "unpaid debt," but rather because my check did not meet the "Telecheck security guidelines". What? I hold to speak to a representative and finally, a woman answers and asks me for my "terminal number". I ask her what she means by that and she says "don't you have a store number?". I tell her I'm a consumer, not a store. She tells me I have the wrong division. She finally agrees to transfer me to someone else.

After another few minutes, I get to talk to a guy who asks me for information that will ensure that if he ever runs out of money, he has all the information needed to wipe my account clean. He also tells me that I was denied simply because I didn't meet Telecheck's "security guidelines". I asked for an explanation of what that means, he says that I may have written a large amount of checks on the same day. Are you kidding? I went to Walmart and wrote one check! He tells me that I just wrote a check at American Eagle too! (My wife and daughter shopping while I was in Best Buy - they spent $40!) Regardless, he assures me that I won't be purchasing anything at Best Buy tonight. Very true, asI tried again with a different check! I complained to the store manager of Best Buy.

She rather enjoyed saying, like the other employee I talked to, that "we do not make the decision on your check". I tell her I know, and that I will make the decision on where I spend my money from now on and it will not be in any store that uses Telecheck! I assured her that Telecheck was costing her store money and customers. Before the night was through, my wife was also denied at Victoria's Secret. Having traveled 30 miles to do the majority of our Christmas shopping, we were allowed to write three checks by Telecheck.

Shopping at Home Depot my check was denied. I called Telecheck from the store. 5 minutes of entering data before I could speak to someone. When the barely understandable clerk answered, he said that I was denied not because of insufficient funds, but because the check was risky because it was check #4108 and the last check cleared on my account was #4106. I asked to speak to a supervisor and was disconnected! I came home and called. Went through the whole thing again, and was told that there wasn't enough money in the account. There was literally 10 times enough to cover the check. Requested a supervisor and guess what? Disconnected again.Called a third time and told them that if they disconnected me again the next person, they would hear from would be my attorney. Gee, the phones were suddenly working. The 3rd supervisor I talked to said my check was denied for 4 reasons.

#1 the amount. $165.77 She said that anything over $100.00 would be denied.

#2 the check number. Mine was 4108

#3 the frequency. I don't use this account often. I admit that.

#4 my history. I am 57 years old and have never written a bad check. I requested a copy of the information used to determine that my check wasn't good. She told me that they would send me an apology letter. Like that's going to do anything. I requested a list of stores that contract with them, so as not to shop there. She told me that they didn't know which retail merchants used their services! Sorry Home Depot, you just lost my business. And, we were just there last night looking at a refrigerator and stove. I am telling everyone I am in contact with about my experience with Home Depot and Telecheck. Boycott merchants who use this service.

My checking account has plenty of money. I tried to buy a laptop computer at Best Buy in Farragut, TN 37934 (865-218-9899). The check was for $599.00. TeleCheck denied my check. When I called to ask why, they said I had a bad check writing record. I am 70 years old and have written over 20,000 checks and have yet to bounce one. Feel free to check that out.

First and foremost, since there is a lot of money in my account, I nearly fainted in the store because I thought of stolen identity. Then it was embarrassing to hold up the line because my check was bad. I used their phone to call First Tennessee Bank to make sure my account was okay. They told me the problem was with TeleCheck as usual. I went to my bank and talked to Jeremy **, the manager, phone 865-470-5410, and he said there was no excuse for what they did, but he did not know what to do about it. I will never go to Best Buy again but I wonder what other stores use it so I can avoid them.

I noticed on my bank statement that a fee had been taken out of my account on 11/4/2010. The statement did not allow me to tell who was taking $30 from my personal account. I went to the bank on 11/18/2010. They re-searched my account and found out that a third party took the money? The money was taken for check #1145 at Walmart. I do not have that check number in my check book. I do have it written down for Walmart on 10/13/2010 but cancelled it out. Walmart through telecheck gives you your check back after it has been processed. I have two checks that I wrote at Walmart and they have cleared.

I do not have check #1145. I have tried to speak to someone at telecheck for hours. When I finally got through to customer service, they were closed. I have not received anything by mail from them. The only way I know about this at all is by my personal bank account. I have no idea how much that check was for and why was it accepted by telecheck? I want to see the signature on the check and get a copy of it. I have nothing or have I received any information. I have received a voice mail that only gives me a 6 digit number and then says it will connect me to the lawyers office. I have no idea who this is or the number. It goes right to my voice mail, which is my voice mail number. I need to speak to telecheck to find out why they took my money. It could be that someone got a hold of that check at my job. I work at Walmart in Money Services. So I know how it works but I never knew how hard it is for a customer to actually, speak to a human person at telecheck.

Telecheck has caused my business checks to be suddenly refused at OfficeMax. Phone calls to Telecheck representatives give no answer as to why. They just say that my check suddenly fell "outside their system guidelines". They read from a form letter and will not tell you anything specific, although they ask for every piece of personal and account information from me. The check is from a longstanding account, not for a large amount and never any problems. This is a merchant I use often and I now will be randomly refused without a reason or recourse. How can a business hold people ransom like this legally?

Please be advised that the captioned business was closed on May 31, 2010. I contacted your firm on May 24, 2010 and was told that the cancellation would take effect on June 24, 2010. And I was given the customer service # ** for the cancellation. I called on June 21, 2010 and was told that the cancellation was in the system. I received a bill for the billing period June 1 through June 30, 2010. It showed that the bank account for Beadworks would be automatically deducted on July 19, 2010 for $55.00. I called on July 11, 2010 and spoke with Ellen. She told me that the account was closed and that it was the final bill. And she saw the cancellation under the service # **.

I received another bill for the billing period July 1, 2010 through July 31, 2010 for $55.00. I called TeleCheck on August 9, 2010 and spoke with Joyce who assured me that this was not supposed to be billed to me. And she said that she would make sure that everything is corrected. The Beadworks bank account was closed because the business was closed on May 31, 2010. I called again on August 24, 2010 because an attempt was made to deduct the July fees from my closed account. I spoke with Monee and was told that the account is definitely closed, and the $55.00 charge for the July month should not have been charged and that the charge would be reversed.

Today, I received a bill for the August 1 through August 31, 2010 period, showing a balance due of $36.56 for a check return fee of $26.56 and a processing fee of $10.00. I called today and spoke with Monee who told me that your computers are down. I owe you no money. I cancelled the account and have paid through the end of June, even though the business was closed on May 31, 2010. I advised you and received customer service # **. And I was told that the cancellation is in effect as of June 24, 2010, and that no money is owed after the June month. You persisted in billing me. This letter is being sent to you, to my bank, to the Better Business Bureau, and to ConsumerAffairs.com.

I recently found out about this company, because they denied my payment to Amazon, using my bank account. I have used the same account for many purchases with Amazon, and so I never have had to think about the middleman. Suddenly, I tried to purchase an $86.00 textbook for school, and I was not allowed, because Telecheck decided, this was "outside of my normal purchasing habits".

I am going to blog and write about this, as much as possible, until someone does something about this company, and it's horrible business practices, even if I have to write a letter to every person possible, or blog until I'm blue in the face. I do not believe businesses should be able to decide, what I can spend my hard-earned money on. I am a student. Now, I have to drop a class and lose some financial aid funds, because of a silly company who thinks it has the right to determine how I spend my hard-earned money. I really am thinking about filing a lawsuit to be honest.

Check denials followed by freezing checking account, these are too lengthy to describe but identical to other posters, I wanted to report these additional merchants that has a contract with Telecheck, Dollar Tree, Save-A-Lot, WalMArt, Best Buy and Office Depot. Telecheck must be stopped and their merchants avoided. Additionally, a major risk here for identity theftI

Telecheck has started denying me the ability to write checks to the merchants that subscribe to their services. This has been happening for over two weeks. They will do nothing to explain to me why this is happening, and offer no assurances that it will stop. I have not written any bad checks and reported any theft to my bank account. And my bank has no idea why this is happening.

I asked to speak to the woman's supervisor, she told me that all supervisors were on the phone and unavailable. Very convenient. How can this company do this and who gives them the authority and right to so? I was embarrassed and humiliated, that cannot be "fixed". Who else have they given this mis-information to? What can I do to stop this?

I went to Sam's Club to get a refund for an item I didn't like. They cannot refund the amount to my SC CC because Telecheck says. WTF? I can't get a refund?

So I called the local Sam's Club and finally spoke to the club manager, after talking to a person in accounting and making 4 calls to Telecheck's various 1-800 numbers which all took me to the same menu with the same roboperson. When I would wait a bit to see if a person would come on the line I got "Thank you for calling Telecheck" and the line would go dead. What is that?

So, I will get my refund from Sam's Club, then I will not renew my membership. Saying good by to Home Depot and Sam's Club and Office depot and Wal-mart too . . . all this started with Office Depot earlier in the year when my check for less that $8 was declined because they had installed Telecheck . . . Screw it. The credit industry in this country is messed up, and Telecheck is part of the reason.

I like the saving offered at these big stores and the choices the big stores offer--but those options have been arbitrarily removed from me by Telecheck.

Now I guess I am going to jump on the "buy local" bandwagon--so long big stores--because the only way we really have any power any more is through our pocket books.

I had decent credit, but now I cannot even get a refund for something they took my money for. Is anyone filing a class action? Talking to the attorney general?

I am waiting for the day that my daughter's tuition payment is declined because I paid it with a check.

With Telecheck you are presumed guilty no matter what you do.

Second time telecheck has told their system purchaser to refuse our check.Zero history of any checking irregularities in fifty years.Provided all necessary documents required by vender.

I never heard of Telecheck until today. I dont usually write checks, from the checkbook I was using, in stores. Today I wrote 2. The first one, presented at Wal-Mart in Manville, was accepted. The second, presented at K-Mart in Somerset was denied. I didnt even know a check could be denied. My purchase totaled approx. $240.00, I had $7000.00 in the account, I had all the proper identification, but it was no good. I was furious. I called Telecheck, while still standing at the checkout, in order to rectify the problem.

After much hassle and much waiting I finally reached a real person. She explained that my check had been denied because my check numbers were out of sequence. Thats right. Somehow I had accidentally skipped a check, and went back to it today. My check was denied because I had written out check # 1404 AFTER I had written check # 1407, and that put the transaction at high risk for fraud. I explained that there was no fraud, it was my account, in my name, with plenty of money in it, and that I had the proper photo ID, so how could there be a fraud? Unbelievable.

So I asked that the next check that I write be approved, because I had a basket full of merchandise that I needed to pay for, and she couldnt guarantee that the 2nd one would be accepted and it wasnt! Unfortunately it is a holiday weekend so I have to be patient, but I cant wait to get to my bank on Tuesday and see what they have to say about this. I will be requesting a debit card for this account to use in the future, and I will be advising retailers from now on that when they say Yes, we accept checks, that they should also add IF Telecheck decides to approve it, but you wont know whether they will or wont until after youve done all your shopping. From what Ive read online in just the past hour, I realize that this is becoming a common problem with Telecheck. There are tons of complaints about them. Its just another case of yet another company/agency playing God with peoples lives and peoples reputations. Telecheck claims it is a fraud prevention service. IMO Telecheck is the one perpetrating a fraud on the American consumer!!!

Aparently they go through this all the time. They gave me an 800 # to call when I called the number I had to give all my personal bank info and such before I even got a real person. I finally got a real person after being on hold for awhile and then I had to repeat all the information I had just gave them. After all that all they could tell me was my check was outside the telecheck guidelines. I proceeded to ask what that meant and they really couldnt give me an answer other then me not having a history with them and it was a large amount ($500)at which time they said they would send me out a letter and next time it happens to call while I was still in the store and they might be able to over ride the transaction. So I let that go, needless to say on May 12, 2010 I go to write a check at Best Buy again denied oh but not just me they were having trouble with the whole system because there was 3 lines being held up (including mine) because of checks being denied. This time I had only wrote the check for $43.00. I was again told to call the 800 number. I didn't call then at the store because I was already imbarrassed and highly ticked off so I got out in my car and called on my cell phone.

Again, I got put through the run around and they stated the same thing. I proceeded to ask them how can I have a history with them when they won't let it go through? Again they could not give me a streight answer. All they could say is wait a few days and write a check for a lower amount. Well, then again on May 14,2010 I am back a Best Buy and was tying to write a check for $37.00 Again denied! I go through all this again and spoke with a manager and she told me to go back to the store and she could over ride it. I told her I was already far away from there. She couldn't give me a streight answer and I was getting really mad at this point and I stated I was going to contact the BBB and The Attorney General's Office and her attitude changed all of a sudden. But still all she could tell me this time was I was to wait 7 days to write any more checks and to write it for a lower amount. I was furious by this time. So here I am, no debit card and I cant write any checks for 7 days. I had asked her how low do I have to write it for a $1.00 She couldnt give me an answer but that I didn' have history and I told her about the other times I had written checks and they did the same thing to me and she stated that she saw all the times it happened.

I then stated to her "You have a history of denials but you can't put my checks through even though the money was in there." " If you have a history of denied checks there is your history I can't establish a history with your company when you won't let any go through. Again I told her I wanted somethig in writing stating why they were denying my checks and she said I would receive a letter which I have still yet to get and here it is May 19, 2010. You try calling and you can't get to a real person without giving them all your account numbers and all. I refuse to give them any more of my information. Something needs to be done about this company so I will contact the Attorney General.

My husband and I have been customers at the same bank with the same account number for 30 plus years. Thanks to Telecheck and their so-called system, we are going to have to change our bank account which means new checks, new debit cards and changing all our automatic payments, etc. Telecheck has kept us from writing a check since March 25, 2010.

Today is April 14, 2010. We have contacted Telecheck and our bank Vice-President has personally called them on of behalf. Today, they informed us the matter was taken care of. That was not, so when we went into WalMart to buy groceries. Our check was declined and when I contacted Telecheck by phone, they said it was the WalMart system that was declining our check. That was not true as Telecheck transferred us to the WalMart check system and they informed me there was no reason for our check to be declined.

Then when the person from WalMart tried to get Telecheck back on the line to tell them that they were not declining our check, the Telecheck service was shut down for the day. How convenient for them. I am sick and tired of Telecheck having the ability to tell me how, when, and where I am allowed to spend my own hard earned money.

This has put a serious strain on our family as we live in a very small town that has a WalMart and one grocery store. I have to go to our bank and withdraw cash if I wish to buy groceries or go to WalMart for whatever we are needing. I have had to take time off work to try and get this matter rectified and it is still not taken care of, so I am probably going to have to take more time off work tomorrow trying to solve this problem.

Update to Telecheck dispute! On Mar. 15, 2010, Telecheck has finally paid Home Depot the money they collected from my bank account on Feb. 23, 2010. I didn't mention the date of the third time they withdrew money from my bank account the date was Mar. 1, 2010, which coincidently was the date I got paid. Fortunately, I called my bank immediately and the claims dept. was able to return that money to my account. At this point, they still denied ever taking $3,900 on the 23rd of Feb. I received this letter "notice of unpaid funds" on Mar. 12, 2010 demanding the $3,900 owed to Home Depot along with a $10 transaction fee.

On Mar. 13, they withdrew this $10 fee directly through my bank account via (ACH) ATM transaction. Yet, I never gave this company permission to withdraw money from my account. So are they allowed to withdraw money anytime they want and monitor my account to know exactly when I get paid to withdraw any amount of money they want whenever they want, without permission of me? Remember this all started with one innocent check written out to Home Depot and denied twice on that first day of Feb. 23rd. Yet, even though denied, Telecheck had no problem withdrawing the money from my account 3 times! Again, without my permission or even notifying me of the transactions!

And up until this day, they had kept the original $3,900 and finally after phone call after phone call, and my bank account transactions being faxed to them multiple times, they have finally paid Home Depot. But not after ruining my credit, demanding they would not allow me to write a check and be approved through any of their companies which are used by big companies such as Wal-Mart. In this letter, they sent me a few days ago. They also said that any ATM transactions would be denied. So here I am an innocent, upstanding citizen, never have written a bad check in my life, excellent credit up until this experience with Telecheck. Please, if you know anyone who can help me, email me. Thanks!

On Feb. 19th, 2010, the check I wrote out to Home Depot in the amount of $3,900 was processed via TeleCheck (their check processing company) and "denied", reason unclear. Maybe because I recently moved from California and had not yet updated my address on the checks? I had over $7,000 in my checking account.

I went home and checked my checking account balance and was amazed to see that TeleCheck made two withdrawals from my checking account via ACH (which is ATM) even though this was a check and for only one transaction, and even though they had clearly denied my check and therefor Home Depot was unable to cash my check.

Because they took nearly $8,000 from my account it went into the negative and my bank charged me a $33 returned item fee. I was so outraged over this, that I drove over to Home Depot and asked "why" they had removed $3,900 not once, but twice from my account. The manager of accounting in their store was very nice to me and showed me that they received no money since the check was denied "twice" by TeleCheck on that same day. She spent all day on the phone with TeleCheck, at times I was tele conferencing with them over an 8 hour period! TeleCheck denied withdrawing the money from my account even after I copied my bank account record and faxed it to them the same day. Finally they returned $3,900 back to my bank account but kept the remaining $3,900. They said it would be returned to my account within 4 to 5 days. Instead of resolving this matter they again took $3,900 from my account (not sure why?). I immediately called my Chase bank and got the money back including another overdraft fee.

Well guess what, 22 days later, and many phone calls via my bank, TeleCheck, and home depot, TeleCheck still has my money and has not paid home depot. And they still deny ever taking the money from my account even though I have the evidence from my checking account statement. This is a lot of money! I live off of Social security disability and Veterans Disability checks, which is not much, and having this much money stolen from me is not good at all! So how can TeleCheck get away with stealing $3,900 from my account on 3 different dates? And now guess what?

They have sent me a letter in the mail stating "notice of unpaid electronic fund transfer" in the amount of $3,900 plus a returned item fee of $10. Guess what? TeleCheck has purchased my debt, wow how kind of them! And they have ruined my credit! I can't write anymore checks and they are threatening to deny any ATM transactions. How are they getting away with all this?

I've read letter after letter of complaints against this company, but I'll have to say mine seems to be the worst case because as of this day they still have robbed me of nearly $4,000!

What can I do? I am disabled and because of this I am tired and in chronic pain all the time. I have no fight left in me. Please someone help me! This is not right. They should be sued. Because of this incidence, my credit is ruined, my ability to write checks is ruined, many times I was left weeks unable to access money from my account due to them stealing money from my account on multiple times from a single check! I have been unable to buy groceries during a period of almost 7 days due to TeleCheck making my account go into the negative on two different dates! I would very much welcome contact by an attorney. This is beyond my ability to rectify. I need help, Please!

Update: I still do not have my checking cleared up because of the Walmart check because of Telecheck. I have not been able to use my checking account. The check in question cleared my bank 2/5/2010 and now it has been 13 days. How can Telecheck get away with freezing up the use of my checking account when the check has cleared 13 days ago. They will not help! It has been rough having to leave work to go to the bank to get cash to buy things at the grocery store and knowing how much you will really need.

I made a mistake and a check was returned NSF to WalMart and they use this company "Telacheck" to collect funds. The check cleared 4 days later on Feb. 5th but I still can't use my account & Telacheck lady said it could be 7 days or more before my checks could be used. I do not understand why and how my account cannot be used if the check has cleared the bank. What gives them the right to freeze my use of my checks when the check is paid. This company has too much power over my account and it is not fair when the check cleared on 2/5/10 and they are telling me it could be 7 or more days that my privileged to use my checks again can be done. The bank has no say so nor do I and it is my account. What is fair about this? How is this helping the economy if a little company like this can freeze peoples ability to use their money? I could not buy groceries this past weekend using my checking account.

We went to the Lawrence K's Best Buy store on Feb 6, 2010. When the store called Telecheck, our bank ,The Bank of the West, would only verify the account was active, with no derogatory remarks noted and valid. Telecheck/Best Buy declined the check based the bank's refusal to release the amount of funds in the account. They then flagged the account and driver's license information. This caused our checks to be declined at other stores not associated with Best Buy because of the flag. After a number of calls including a conference call with all parties the situation was not resolved.

Their actions have caused us to not be able to write checks, not to mention the embarrassment and inconvenience. Because of the policies of the Best Buy store/Telecheck, we are now unable to write checks and all they will do is say sorry. I am 57 and have never written a bad check. I have spent a lot of time to resolve this and I feel Best Buy needs to review their policies. The bank was correct not to give this kind of information over the phone to an unknown party.

On Friday December 18th 2009, I attempted to pay one of my wholesale venders with a Company check as I have done every week for the last 5 years, nearly $500,000 in checks written to this vendor in the time frame and never any issue EVER! On this morning I had the Check as I do every week to the cashier and she proceeded to process my order paperwork as normal, the check was for my purchases of $1702.00 she then run my check through a device which was a new step in the process and handed it back to me stating that it had been denied, I asked why she state that Telecheck services had denied it, I asked again for a reason and she stated she did not know, the system told her it was a CODE 3 denial and that if I wanted more information to call an 800 she handed me, she also stated that if your checks were denied that it was a new company policy that you would have to pay in cash in order to continue doing business with this company.

I was floored, 5 years of perfect business transactions with this company and because of the Telecheck Denial I was now on the CASH ONLY BLACK LIST. I walked away and went to call Telecheck, once going through the digital screening process this company uses I got a human on the phone, gave "AMY" all the information I had just entered again. She asked me some personal identification questions and then proceed to state that the check had been denied, I stated that I was aware of this and wanted to know why, she then put me on hold for 4 minutes 41 seconds and came back and stated it was a code 3 denial, I again stated I know that, What is a Code 3 denial, again put on hold and she came back on within a minute and stated that I / My Company had no history with Telecheck therefore any merchant using there services would deny my checks.

I asked what was meant by no history, your checks have never been presented to a merchant that used our service therefore your checks a deemed as a HIGH RISK, mind you I have written over 400 checks to this vender and never had any issues but NOW because of Telecheck I am a HIGH RISK CUSTOMER, I asked for a manager or superviser, typically was told that there were none available, asked again or for their Legal Dept. That got a response, I was told that if I wanted to talk to their legal Dept. I would have to write to a PO Box and wait for a response, I said if that is the case I wanted the address and a customer service or complaint address form anything, I was promptly told that I were considering legal action that I would never be able to cash a check again with any merchant, WRONG ANSWER, I immediately felt as if this was an attempt to threaten me, my company and to BLACK BALL ME in fear of the fact that I might proceed legally in pursuit of this issue.

Needless to say after 48 minutes of RING AROUND THE ROSIE with this individual I hang up STEAMING and went back to the VENDOR asked for the Sales Manager that has handled our account for 5 years explained this whole ordeal to him, he called their finance mgr., explained the whole ordeal again, he thought it was interesting and on the sales managers word that I was a good customer and an honest individual with a long standing history with CARGO LARGO / Recovery Services, that they would make an exception and accept my check for the purchases.

Fact of the matter is that I was so wound up, embaressed and Insulted by the whole situation that I walked out side and decided that if I were going to be treated by Cargo Largo / Telecheck Services like I had been that morning that I would just go home (284 miles) with an empty truck and not spend my money with a merchant that had been that insensative to a long standing and I hope valued customer. Bottom line is I am contacting our attorney to find out what avenues can be pursued in this matter. As for CARGO LARGO, I will continue to do business with them BUT IT WILL ONLY be after recieving a formal apology in person and in writing from someone in their management team. The fact that they would allow a long standing customer, in good standing be subjected to this much frustration by turning over control of their Brains to an outside service that KNOWS NOTHING ABOUT THEIR customers makes me realize that there must be some REAL issues with the management of CARGO LARGO.

I do want to thank the sales manager and finance manager for at least be sensible enough to look at this situation and make the offer that they did, non the less it is something that CARGO LARGO should have considered long before signing on with TELECHECK , I can promise you my company and retail outlet will never use thier services, because (1) I trust my customers that have done business with us and (2) I won't give control of the reputation of my company and that of my valued customers to some electronically controlled, robot managed service like TELECHECK. If I did I wouldn't expect to be in business very long. Just a side note, at the time tha check was presented the account that it was written on and was the same one I have used for every transaction with CARGO LARGO had a balance of $8755 available.

Again TELECHECK did not care about the BALANCE in the account only based their recommendation on the fact THAT I / MY COMPANY had no History with theirs.

I could never use a company who does this to custermers.

On September 2nd and 4th Wal-Mart check #1067 bounced in the amount of $147.00. I called Wal-Mart to locate the check. On 9/15/2009 Telecheck sent me a notice stating that I must pay them by certified funds or cashiers check the amount of 147.00 with an additional 35.00. On 9/18/2009 (3 days after receiving the note) I removed funds to add to payment to get a cashiers check for Telecheck (who actually purchases that debt from Wal-Mart after the first time the check is declined). On 9/21/2009 Telecheck redeposit check #1067 (which did clear) However, because I removed the funds to pay by cashiers check 11 items bounced in the account causing overdraft fees totaling $455.00 (Additional check fee from the check #1067 which will post separately to my account even though it's been paid and for the Check that bounced to Chesterfield County). It is the banks (Wachovia) policy that a merchant can submit the check as many times as they like to collect funds. If I had not received Telechecks notice to pay them by certified funds or cashiers check I would have left that money in the bank.

There is nothing on Telechecks notice stating they would re-deposit the check either. There position for how they wanted me to pay was by certified funds not by redeposit for the 3rd time. I believe that Telecheck is responsible for my overdraft fees. My debt to them has been paid but because of there lack of communication they caused overdrafts that did not have to occur.

There position will be that in Wal-Mart it is posted that if the check is declined it will be reposted to the account. That is a Wal-Mart policy and the check posted twice. Telecheck purchased the debt after the 1st posting and posted on the 2nd time and it was declined. There was no warning in the final communication from Telecheck that they would post the check to the account. There communication states to pay by certified funds. Additionally, they are attempting to draft $35.00 fee from the account which is already in the (-) that I did not give them permission to draft which is forgery.

I was shopping at my local outlet mall and had been paying by check with no issues. I went to use my third check of the day for 198 dollars and Telecheck declined the check. I have over 8000 dollars in the account and was told I fell outside my guidelines and the check would not be accepted as per Telecheck.

I don't understand how they can make the decision on how I spend my own money. I had no other way of paying for the apparel, so I either have to drive 40 miles back to the outlets or do without what we needed for our summer vacation. It's just the principle.

I had over $400.00 in my checking account and was making a $40.00 purchase at Dollar Tree, however, when they ran my check through the system, Telecheck service declined my check. When I called customer service I spoke with a customer service representative, as well as their manager, and no one could give an ample reason why my check declined, other than saying it didn't fit the guidelines. Then Telecheck put a 6 day hold on my ability to write checks at any establishment, which has created a difficult situation for me.

I was very embarrassed, as I had to pull myself out of line and wasn't to purchase my products. Now I am in need of food and other products, and without a debit card, and banks being closed today (Saturday - 6/14/08) and tomorrow (6/15/08), I'm not able to purchase anything that I need. There are a few products I need immediately, and cannot understand how I could be penalized for 6 days of writing a check when I have more than enough in my checking account. It's created a very inconvenient situation for me, and especially when no one at Telecheck could give an answer as to why I was declined and also would not remove the 6 day hold of not allowing me to write checks.