Consumer Complaints and Reviews
I am so angry with TeleCheck!!! I cannot even use my checks anymore. Every time I try I get declined, despite the fact I have 15,000 in my account. They keep saying I do not have a history of check writing, which is not right since I have been writing checks for roughly 20 years. The bad thing is, every place I go uses them!!! Is there any advice to be able to use my checks again? The customer service is the worst I have ever encountered! They give ZERO help on anything!!! I am so lost on what the company even is. These places are losing money due to TeleCheck!!! This company needs to re-evaluate how it is ran.
I order from Amazon on a regular basis. Suddenly, I start getting emails and having all my purchases cancelled, not through me or through Amazon, but this 3rd party company, stating, "We're sorry, but payment from your bank account was not authorized and thus we are unable to process the item listed below. This determination was based on information provided by TeleCheck Services, Inc. ("TeleCheck"). To protect your privacy, TeleCheck did not provide any financial information to Amazon.com during the authorization process. We will need to receive valid payment information from you within 2 days. Otherwise your order will be canceled." What the holy hell?!?
According to my bank, they have never even RECEIVED any of my cancelled orders from Amazon and have zero record of me ever having made any orders and that there is ZERO reason that my bank would deny me buying anything with my own money from my savings account! Calling Telecheck was an absolute nightmare! None of them speak English well enough to even be understood, and what little they did know, they repeated ad nauseam. They all demanded my routing and bank account numbers, like I am stupid enough to give them any of that. And then got angry when I refused to give it to them and hung up on me!
So after 5 calls today, I'd had enough. I thought I would call Amazon instead. Big mistake! Apparently, Amazon is going the way of every other failed business, in hiring these overseas idiots with strong accents that claim their name is 'Bob' or 'Steven', when you know for a fact, that is bullcrap. But, okay. After 15 minutes on the phone with the Amazon Asian, she informed me that my best course of action would be to talk to somebody from... wait for it... Telecheck!
So I guess Amazon does not want my money anymore, since they don't seem to be in a hurry to correct any of this crap. I really did enjoy doing business with them, but if that's the way their customer "service" is going to be now, I don't want any part of it. I am completely disgusted with both Telecheck and Amazon at this point. I will be reporting Telecheck to the BBB as well; not that anything will ever be done about the company. They are like an insidious cockroach that hangs out on the wall and spreads disease everywhere. I am shocked and truly disgusted (not to mention saddened) that Amazon would even allow them near their company.
Today, I attempted to buy $55.38 worth of groceries from one of their clients, roughly 1/32 of my balance. Their response was that I don't have a check writing history. For common household purchases, of course that's true. The bottom line is that there was considerably more backing the check than needed. I won't even try to purchase from that store in the future with a check, nor any other store that uses Telecheck.
It is horrible. First, you are asked to push a button for just about anything you don't need. What I needed was a real live person. I got one, but couldn't understand her because she was some kind of foreigner. She was no help at all. Why can't we have people who can speak plain English if we are going to have to deal with them through our own fault or someone else's. I'm totally disgusted with Telecheck and any company that uses them. I had to deal with them through no fault of my own. I am 74 yrs old and never bounced a check. Hopefully my bank will take care of it. I've done all I can do. End of Rant!
Well, this is the second time within 1 month that I had a check denied. On April 15, 2017 denied at Home Depot, "Invalid Account". I have had this account since 1972. It took me 9 days to clear up this issue. I had to have a conference call with my bank and Telecheck so they could verify my account number. Second time was 5/13, 2017 at Firestone Complete Autocare. My check denied. Just got off phone with Telecheck. Some nonsense about check validation. Number of checks written, frequency, check #, and other ridiculous excuses. Telecheck is out to dissolve the use of individuals use of check writing. I dont use debit cards or credit cards. I needed my car, so I had to get my wife to put the repair costs on her credit card.
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Their customer service is thoroughly incompetent, their system is thoroughly incompetent. I got a Payment Method not accepted on MoneyGram, it does not accept my Checking or Savings account, both of which are with a well established national bank (Chase) and these accounts have been active for almost 20 years. Telecheck says my accounts were declined because I have not built enough history on these accounts. Every month I hand out a few checks, which I have been doing for the past 20 years, how come I don't have enough history built? When I asked to speak to her supervisor, she said yes, and I got cut off after a few more minutes.
I went to Family Dollar somewhere I went 2 days ago that accepted my check that decided to decline my check today... called my bank. Said my account was inactive and had plenty of money. Called the number I was given. The representative told me to use another payment option. They didn't recognize that I don't write a lot of checks. Advised I didn't have another payment. Just kept on repeating himself about another payment method. How can someone tell me how to spend my money... not happy at all. My bank was closed so I couldn't get my money out.
My mother went to her local Walmart store as she has done countless times. She is a senior citizen and most of her financial transactions are handled by check. Her check was declined at Walmart through Telecheck. She asked to speak to a Walmart manager and was told by two different associates that Walmart "could do nothing" about Telecheck. After spending a great deal of time dealing with phone-bots, I FINALLY managed to reach a live Telecheck agent. English is obviously a second language to the majority of Telecheck personnel with whom I spoke, and I have always prided myself with being able to communicate with heavily-accented phone operators across the globe. After several hours I was told my mother's check had been refused by Telecheck because "her bank had reported her account was closed." This of course is a LIE... a complete fabrication.
I went to a bank officer at my mother's bank, she had asked me to help because she was upset and embarrassed and had NEVER had a check declined. I offered to mail proof that mother's account had NEVER been closed and there were thousands of dollars in my mother's account. Telecheck claims to have no physical mailing address ANYWHERE in the United States. They make zero provisions for customer service. The personnel were rude and all but called my mother, my bank and myself liars. I opened a case number with Telecheck and sent all documentation proving that my mother's account had NEVER been closed. Telecheck never even presented the check to my mother's bank.
I was able to obtain a printout of ALL electronic transactions from both my mother's account and the bank officer sent a letter and copy of my mother's statement proving that Telecheck was full of **! Shame on Walmart for maintaining Telecheck for its check verification. There are countless complaints about this terrible company on Consumer Affairs and countless sources online. They have the lowest consumer rating for satisfaction and there are countless complaints. Do business with merchants who utilize Telecheck at your own risk. They have a history of dishonest practices and often levy a $25 "service fee" for checks that they decline through no fault of the consumer.
After writing a check for a utility bill and having gone to a doctor, (occurrences on different days), if the checks just so happened to go thru on the same day, I was informed that my check for the utility bill would not be accepted. Naturally I called Telecheck and spoke with a customer service person and also a supervisor. Needless to say after having dealt with them previously regarding a fraudulent check I got the same ridiculous answers as I had gotten years ago, (check doesn't meet parameters, we have to update your file, you don't have a history, check amount meets high chance for fraudulent activity). It is beyond me that a checking account in existence in excess of 35 years would not meet a history parameter.
This company causes more unnecessary problems than having bad credit. At least you can attempt to correct that problem but with Telecheck, there's always a chance that hat green eyed monster will snowbird ugly head and you can't do anything about it. It is both tiring and frustrating and there should be some oversight over this agency and it seems there is none.
I as well as everyone else should be able to use the checking accounts we depend on to make purchases and pay our bills without being told that more than one check, in one day is too many. The only value that I experience with Telecheck is as a source of problems for persons with checking accounts because they have no value to consumers.
Yesterday, I wrote a check for $438 against a bank balance of over $2,000 that was declined by a service called Telecheck. You might imagine my embarrassment in a room full of strangers at Firestone. The clerk told me there was fraudulent activity against the account. When I got home, I called the bank... no such activity, no problem with the account. This morning when I called customer service I learned that the reason: I did not write enough checks against that checking account.
That there should be a service using this kind of primitive check approval methodology is all but criminal. This could affect my credit rating. This caused me personal embarrassment. This required me to put the charge on my credit card which I did not want to do... all because I don't write enough checks against the account. If you should ever have the misfortune to have a problem with this company, their customer service number is: 888-612-7431. The merchant will not have that number. All they have is a computer giving them denial codes.
If I could give a "no star" rating or negative rating, I would. I am not going to waste time detailing my bad experience with the Telecheck company - I just would be repeating the bad reviews already listed on this website. Telecheck is NO GOOD yet the grocery store where I buy 99% of my groceries is still one of their clients. How can we consumers make Telecheck obsolete? Telecheck should be checked. Good Riddance Telecheck - BAD COMPANY.
Best Buy uses Telecheck.... and I couldn't check out. My checking account is 20 yrs old, I've never bounced a check, my credit is great, and I had 10000x the amount of money in the acct than the check I was writing. And they declined it!!! Outrageous and ridiculous. Stores are going to lose business using this worthless middle man service. Getting embarrassed, and treated like a third class criminal is NOT fair or any way to do business! The fact the store or Telecheck doesn't verify with the issuing bank like a regular merchant inquiry is ludicrous!!! Who the hell is running the show here? Good paying customers not allowed to pay. Telecheck is useless and unfair and has no business model or purpose if they don't allow you to pay and their reasoning for declining your good check is 'no history' of which they don't allow you to start one!!! Wtf???? #Furious!
If I could give them a less than one star I would. For the second time in six days I had a check declined. For the third time in the same six days I have called Telecheck! For the second time in six days I have had their customer service rep hang up in me when I have asked to speak to a supervisor!! I wrote a check at a gas station in my neighborhood where I write a check at least once a week. I have had the same checking account for over twenty years. I do not have a debit card or credit card! One can only imagine how embarrassed I was when the cashier informed me my $14 check had been denied!! Last week it was a check for $4.89 at the store where I work!!!
Last week when I asked for a supervisor the woman I was speaking to informed me there was no better English speaking person there!! I did not ask for that. I understood her fine. I wanted someone to explain to me why my check was denied other than that my check was outside of their rules or comfort zone or whatever she called it. She said they didn't have updated info on me. So I updated my information, she said that recommend waiting seven days before writing another check!!! Are you nuts?? That's how I live. It's how I pay for things. Gas groceries etc. well guess what today was day six although I have written several checks since then apparently not at businesses that use Telecheck! So yup check denied at gas station. Embarrassed oh for sure!!
Came home, called Telecheck, and guess what, no history with them, they needed updated info. No history of bad checks just that I have no history with them so that's why they denied it and I had only waited six days... so guess what this whole process starts all over again!!!! Seven days again and again when I asked for a supervisor, again I was disconnected!! Who actually owns this company??? I am beyond frustrated! I told the person tonight, I have written checks from this checking account for 30 years no problems and in the last six days they have turned my life into a nightmare!! Any ideas on what to do? Better Business Bureau? Attorney General?
I wrote a check for a printer at Office Max. When they ran it through for approval, it was denied. I am 77 years old and have never, never had a check denied even with insufficient funds as I have over draft protection. After checking with the bank to be sure I had sufficient funds, I called the TeleChek number and was told, after giving more information than I wanted, was told after asking for a Supervisor in the Philippines then asking for someone in the U.S., I was transferred to Texas. I was told that I had no record of check cashing with TeleChek and therefore it was denied. They were rude, could not speak English that I could understand, and of course, put me on hold for 20 minutes. I was fit to be tied. Will write their CEO and complain again. I now know that I am not the only one. I will do business with companies that do not, repeat, do not use TeleChek.
I wrote a check at Food Lion where I have shopped for over 20 yrs. The first check I gave them was for $19.27. It was declined. A few weeks later I presented another check for $109.59 at the same Food Lion and it too was declined. I called Telecheck and was told the check was higher than my normal check amount and that was why it was declined. I informed her that I presented a check for just over 19 dollars a few weeks back and it too was declined. No explanation. I could barely understand her and she informed me they could not guarantee ANY of my checks would be approved in the future. Why do merchants use this company???
I'm 65 years old and never had a bad check!!! I only write checks because I don't trust debit cards! (No pin / no signature and in my world no purchase). My checks are only being rejected at Office Depot/Max. I called TeleCheck (800-366-2425) on 12-15-16 and the answer I got is because I'm displaying suspicious behavior because of writing checks in other towns??? I live in Leander TX but I do shop in surrounding towns as in Georgetown, Liberty Hill, Salado, Round Rock, Austin, & Kerrville and others. I'm on the road a lot and if I need something I go to the closest merchant as in HEB, Walmart, Lowe's and others.
I AM A CONSUMER NOT A GUY WITH A BAD CHECKS HISTORY!!! Telecheck is telling me I have no history with them and I am a risk. Telecheck also suggested I write checks in small amounts and stay within my community until I have build up history with Telecheck. But I do have history and according to Telecheck there are over 200 checks processed, so what is the real their issue with me being a high risk!!! As of today I'm no longer doing business with Office Depot/Max!!!
I received several collection notices in the mail from Amazon marketplace. I contacted Amazon and they said they were in fact from Telecheck. After several calls between Telecheck (which was at an overseas call center, and very difficult to understand) and Amazon I found that the checks were written from some bank in the Midwest and they had even misspelled my name! I filed fraud reports with all 3 credit agencies, the local police and the federal agency. I submitted all the required information to Telecheck. A month later they deny the fraud claim and are now attempting to connect from me again. Never, ever, ever will I do business with Telecheck.
Like many of the reviewers, I tried to write a check at the grocery store where I always shop, having forgotten my credit cards. My check was declined. It took a horrendously long time with their customer service menu, and representatives with very poor English, to finally determine that the reason was that I do not have a check-writing history with them. There was nothing whatsoever wrong with the account (held for decades), or my ample balance, just that they had never had to verify one of my checks in the past. The logic is appalling - does this mean they deny every single check that is the first one that comes in from an individual? I have asked my grocery store to stop using them; I don't know whether that will be successful, but I will definitely ask in the future.
Went to grocery outlet and write a check for 46.50. I had checked with the bank and plenty of funds. It was rejected and called the horrible company Telecheck. They said it was fraudulent and that I usually don't write checks. The rep ran a script nothing I can do considering my credit is rated excellent. Wtf the manager at grocery outlet was of no help so the next time I see a shoplifters you can bet I'm gonna look the other way. Hope it was worth it. I then went to Fred Mayer and they took a check no problem.
My husband was paying for his intended purchases at a store, a store we have used for years, and with a check from a checking account he has had for 25 years, writing literally thousands of checks. The transaction was not allowed to be processed on the basis that Telecheck provided information suggesting the store could not trust the check. He called Telecheck while still in the store, asking what this was about as we have not had a problem like this before. The person he spoke to consistently mispronounced his name (Gus) every single time he addressed him, and also called him "Ma'am" repeatedly. He in no way sounds feminine so I can only assume that either the person he spoke to was purposely trying to anger him, or they were literally not intelligent enough to realize that they were making the same mistakes which he corrected them on each and every time it was made.
The employee told my husband that as far as he could tell there was absolutely nothing wrong with the check, and that the decision to not accept the check was based solely on the establishment he was trying to make a payment to. The only comment being, "Well you have made a lot of transactions." Which if he had looked at the accounts information, yes that's true. In fact that's been true for the entire 25 years, as this is a joint checking and business checking account, and numerous transactions take place nearly every day.
When asked to put the check through, since he said there was nothing wrong with the check, my husband was told that the check could be cleared in 7 days. There is absolutely no reason the check should have been declined, other than some contrived notion that Telecheck came up with based off of who knows what. The fact that while we had written checks many, many times in this very store, we hadn't written a physical check there recently? Despite the debit card associated with the account and the checks themselves being used there bi-weekly for the last few years? Right, that makes sense, wait no it doesn't. To further enrage us, the person he spoke to never did come up with a good answer as to why the check was declined, and kept blaming the store itself.
This entire process took an hour, in front of a store of people, creating not just embarrassment, as he was made to look bad by the store and Telecheck combined, but also a huge waste of valuable working time. He came home, and I then called Telecheck myself. I was asked to push in the digits on the phone according to account numbers, etc., some of which I was asked to repeat again after a few questions, for no apparent reason, as I had already confirmed that the numbers I provided were correct, it took an unreasonable amount of time, and for all my effort all I got out of the automated account was that the decline was not due to a debt associated with the account. Well, duh. I knew that when I called in, but of course, no other information was available.
So, long story short, Telecheck for reasons best known to apparently no one there, decided to decline a check during a busy work day, causing my husband to have to go to another store to write a check for parts there instead of the store we have made hundreds of transactions at in the course of just a few years. Telecheck blamed the store, store said Telecheck handles it all and they were not responsible either. Complete joke.
I was purchasing my husband's birthday present and forgot my debit card. The store accepted checks so I wrote a check and it was declined by TeleCheck because I did not have enough history with their service. I asked him to verify funds with my bank and they refused because they are not affiliated with any bank. They stated I did not have a history of writing checks at that store, but this was my first time here. I stated that we use checks often for paying our bills and our account is 10 years old. How are we supposed to develop a history if they refused to approve our checks? They could not answer this. After horrible customer service, I had to go to the ATM to purchase my husband's birthday present and it puts such a kink in my day and was completely unnecessary.
I went to Home Depot to pay for a rather sizeable door installation project (around $1,600). My father is disabled, so I was doing all the footwork for him, including giving them a check he wrote for the total amount. Telecheck denied the check, and after much back and forth and calling, it was determined the reason was that my father didn't "have any history with Telecheck, therefore they couldn't accept a check for such a large amount". My father has been using checks since the 1960s. He's had the same checking account since probably the 1970s. He's written checks much larger than that, and never had any problem. And now, this third-party company decides to arbitrarily say that he's not 'trustworthy' enough because he's never used their service before?
The employees at Home Depot were very apologetic and informed me that this happens a lot. Thanks to Telecheck, Home Depot may have lost a $1,600 job, because the only other option is for me to carry that amount in cash, which is never a good idea. To all companies who are using Telecheck - you are losing business with every valid check they deny. Drop them fast.
I went to Walmart to write a check and it was declined. It was a machine glitch. My finance institute compensated me, but they still took out my money without authorization, but I got charged return fee for what happened, without my authorization. They will compensate me within 24 hours, or I will go to a friend that is an attorney.
Apparently, Amazon processes bank payments through a third party Telecheck Services Inc. that frequently rejects payments without cause and then immediately forwards them to their collections agency. This is not disclosed by Amazon in their payment options, by representatives when directly asked, or anywhere else in the process. In my case while making a recent Amazon order, 2 items were declined, while 9 others in the same order went thru, all with the same banking information. They could not explain why they declined these and within 10 minutes of the Amazon purchase it had been referred it to Telechecks counterpart collections business TRS.
Having sufficient funds in the account and providing the correct information, I'm not sure why two relatively small items, both under $20, out of my order were rejected, or why these would be referred to collections minutes after placing the order. Personally, I've spent many hours trying to resolve this with Amazon and Telecheck-TRS to no avail, like hundreds of other before me and sadly hundreds more to come.
Amazon is seriously negligent in providing proper disclosures - failing to identify this third party billing relationship with Telecheck Services Inc, and is unwilling to resolve issues that arise with it even when there is no customer error or fault. In trying to identify what company is ultimately responsible in order to make a complaint, there is actually a nest of companies involved: Telecheck Services Inc, TRS Recovery Services Inc, and First Data Merchant Services Inc. None of these 3 companies are accredited businesses with the Better Business Bureau and multiple addresses appear for them. Extensive customer complaints attest to a common experience of rejected payments without cause and then being charged multiple times by these different parties.
Consumers have to spend many months and hundreds of hours on the phone, responding to written requests and faxing information only to be told contradictory information. What's most disconcerting are the numerous reports of people being repeatedly asked to pay arbitrary sums even after confirmation of payment by all parties. Shame on Amazon for partnering with such businesses. Beware of Amazon's bank payment option, which is thru Telecheck Services and TRS.
Amazon must fully and clearly disclose this third party billing relationship with Telecheck-TRS up front to customers, clearly provide the business name and pertinent details such as contact information, security safeguards for customer financial data, as well as provide adequate and prompt means to resolve their processing issues.
It's important to file complaints with your state consumer protection agency, attorney general, and the Federal Trade Commission (FTC), as well as the Better Business Bureau (BBB) to ensure these unscrupulous, disreputable business practices are not allowed to continue. Contacting your State representatives and congressional reps to share your issues and concerns may also help pressure these businesses into greater accountability. Good luck avoiding Telecheck Services. Definitely do NOT choose banking payments with Amazon or you'll have to deal with them.
I went to walmart to buy groceries and I have lost my check card. I have 2 toddlers who like to go through my wallet. I have used checks before for the same reason and there never had been an issue until today. I had $100 worth of groceries with my 2 kids in the cart when my check was refused. For NO reason. I even pulled up my checking account to show them I have the money in my account and they still told me there was nothing they could do. I spent probably 500 a month at walmart for groceries. And today I am so embarrassed and mad. I can't even explain to you. My husband is out of town on business, and I had to leave the groceries at the register. My kids did not understand what was going on. No worries though I drove 30 min to wegmans and they accepted my check just fine. Thanks for wasting my time.
For several months, I go to get groceries at Meijers and prescriptions and you have to pay for the prescriptions first. Got that covered. Then on to groceries. Don't ever get to the cash out lane and start and give the check to the cashier and I am told, "Telecheck declined your check again" AGAIN!!! and AGAIN!!! and AGAIN!!! Get my drift. That's funny I just wrote a check for prescriptions in the same store and it went thru... Now my check for groceries won't. GIVE ME A BREAK... I am so tired of this that it isn't funny. I want to hire an attorney and get these people taken down. This is so outrageous. So go to the debit card that is connected to the account and lord and behold!!! GEEZ WHIZZZZ it took. Funny how the debit card goes thru but my check won't. On to the next store. Dog Food and toys. Hmph!!! Won't go thru. Then on to Best Buy. Trying to buy a new TV. TOLD AGAIN!!!!
I have had it. Walk across the street to the drive up and I get cash instantly, then go back to Best Buy and give them the money. They just stand there looking at me, like what the hell!!! I am so tired of this outfit denying me and telling merchants that don't even know me I don't have any more money and I am a bad person. Like hell I am... I have the money in the account. Don't tell me I can't write a check. Someone needs to do something. I am tired of being turned down, and tired of the embarrassment. What kind of an outfit is this place. Since when can someone or something tell me I can or can't write checks. Why even have a bank account if this is what they do. Then I go to my bank and make a complaint, and I am told, well must be their machines, must not be talking to our machines??? WHAT??? The banks don't care either???
What has this world gotten to or become. I work for a living, earn somewhat a decent wage and pay my bills and have never written a bad check in my life, so leave me alone!!! Just because someone else might have the same name or whatever, it isn't me... Call telecheck and get told, well to many checks have been written for that fraudulent amount and it isn't the norm for me to write that amount in checks. We failed to inform the merchant that you do not have a claim on file. What the heck. If I want to write a check for a certain amount of money and I know I have that much, I am going to write it, I am not stupid and they do not have the write to deny me or refrain me from writing it. This company or whoever they are needs to be taken down and for all the hurt and pain and embarrassment and bad check amounts I am long overdue to a reimbursement. I am going to keep this up and do what ever it takes to take this place down.
Ok so I was just at Walmart about 1 week ago and purchased a backpack for my son using a check for 30 bucks, well guess what happened last night... My check for 284.23 was declined by teladummies!! I was surprised cause even if I didn't have the money my bank would cover it. So I call and the lady tells me that she sees nothing and there are no negative marks to impact the decline of my check and that it looks to be perfect my check history. She still couldn't approve it and that I'd need to call back so that she could verify with my bank that I had the funds... No matter dummie!!! I got overdraft coverage on top of other things with my account. Who the hell died and made them account overseers!!?
I will not now or ever do business with any company who uses Often wrong Telecheck. I will forever ask the question before any transaction; "Do you use Telecheck?" If so; then I will go elsewhere...
I tried to write a check at Walmart because I had to order a new debit card and it won't be in till next week. Telecheck wouldn't approve my check because they said that I write too many checks. Problem with that is I only write about 5 checks a month. Had to run to my bank and cash a check then back to Walmart to pay for my groceries. I think this company needs to be shut down. What if this was an emergency? Someone please do something about this company.
I was waiting for a replacement bank card in the mail, so I decided to do an e-check online. Telecheck declined the transaction. When I called, they said someone used my drivers license number to open an account. Not my name, my birthdate, my social or any other pertinent information. So my answer is: clearly it wasn't me! Then they tell me that I can't write any checks for 30 days until they investigate. I called the DMV to request a change, of course I need info from Telecheck, guess what... they can't give me any info!!!
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