Telecheck Reviews

I wrote a check to Walgreens on a Guardian checking account for my elderly mom (92) for medical supplies. Telecheck denied this transaction because there was not enough history of written checks to meet their criteria. Since there was a line of people behind me, I had to use a personal credit card instead of her checking account. I contacted her back and there is more than enough money to handle the transaction. When I called Telecheck, I was prompted by a heavily accented non-American that I could TRY to write smaller checks and SEE if they go through. I asked if this is the only solution, I was told yes. I asked to speak to a manager and was told none was available. I wrote a complaint to the Better Business Bureau and will also make a complaint to Texas Attorney General.

Today I went to Family Dollar Store to buy a few things I needed. I normally use my debit card for such things but I had asked the Bank to replace my debit card and the new one had not arrived, so I wrote a check in the amount of $40.79. The clerk processed the check and told me there was a "problem". I asked her to run it again and there was a problem again. I went out to my car and called the bank to see what problem there was and they said I had sufficient funds to cover the check. Earlier this week I spent cash at Family Dollar but it was deducted from my bank account. There was also another deduction there that I did not spend at all. That's why I had requested a new debit card. The clerk asked me had I called Telecheck and I said no as I had never even heard of Telecheck. She showed me an 800 number and said I needed to contact them.

My 92 year old mother went to the store to purchase some items. She wrote a check to Rite-Aid for $58.76 and it was denied by TeleCheck despite having a balance in the account exceeding $28,000.00 at the time. She writes checks to the church, gardener, health care provider, utilities, etc. but seldom writes check to retail stores as a debit card is used. Telecheck says it is because she has no history with them. So she had to borrow money from the person driving her in order to complete the purchase. This should be considered a crime no different than theft. Telecheck has stolen her pride, her dignity and her ability to purchase items because of some computer algorithm. She has been shopping at that store for decades.

I continue to have my son's reloadable card rejected at Walmart by Telecheck. It seems I don't write enough checks to suit Telecheck. When you buy a card like this, you expect it to work. I would not recommend the Walmart rechargeable gift card to others. I'm going to shop for another card since this one is not reliable.

Last week I tried to load my Walmart gift card online. You have to do so through your checking account. I do this periodically so that my husband has a way to fill his vehicle with gas when I have the debit card. Last week on October 28th I got an error from Telecheck telling me that it could not process my request. When I called them they said that I did not use my checking account enough to fill their requirements. They told me to wait 7 days and then try it. In the meantime I removed my checking account from the website so that I could put in a new bank routing number since my original bank was taken over by another bank.

I had two tires and a oil change done on 11/02/15. Also bought 250 dollars in groceries. Went to pay with a check and they would not accept my check. I couldn't believe it. I am disabled and my direct deposit was deposited at 8:00 am. There was over 1000 in my account. I called Telecheck and they said there was nothing they could do. I need for someone to do something about this. I've never been more upset.

The wife has been with me in Wisconsin since mid June. We just purchased a home and she opened an account with a well known bank. During the last week of October 2015, she made purchases at Festival Foods, paying by check without issue. Then on 1 Nov, she tried to pay for purchases at the same Festival Foods with her check -- denied 4 times. No real reason given -- they gave her a small note to contact TeleCheck and a copy of the register slips for denied transaction. She paid by credit card and left.

Wrote a check for $215 at Walmart and it was declined. Gave me a slip of paper with Telecheck info on it. Called 888-223-4085 and got Joanie. I asked what REASON: 02 was. She couldn't tell me. She did ask for the bank account number and my address and a bunch of personal information that she could add to their database. Finally, she said the bank account was new or doesn't get used enough. The account is from 1959 and gets used in spurts because it is a business account. I am rehabbing a house and needed supplies. I have written over $8k to Lowe's on the same account in the last 3 weeks and haven't had any problems. I now know to just avoid buying at Walmart.

My wife wrote a check at a grocery store (Strack and Van Til in Chesterton, Indiana) last night for $86.47. She had over $500 in her checking account. The grocery store used TeleCheck for its transactions. TeleCheck declined her check. This is at a store where my wife works, and many of the customers in line were familiar with who she is. The check was declined four times. Upon calling TeleCheck, my wife had to enter her information several times. When she finally was put in touch with a person, he spoke very fast, had a very strong, non-United States accent, and she couldn't understand much of what he said to her. She found out that TeleCheck was the entity that declined her check, and it was due to 'activity that was out of the ordinary' or 'suspect activity'. My wife regularly shops at this grocery store (and works there), so there is no way possible for this to be suspect activity or out of the ordinary.

Today, 10/28/15 I went to the Home Depot I always shop at to pay the balance of my account. The check was for $135.00. When the Home Depot clerk, Gloria, tried to put my check with a number of ** and tied to a bank for many years and has over 5,000 in the account, turned down my payment to Home Depot. I was livid at this ignorance on Telecheck part. I have never in over 40 years of banking had a check returned and the Home Depot clerk knew I had been there before to pay my bill. So Home Depot you chose these people and my credit card with you has been for years. Losers, all of them!

I purchased a reloadable Walmart gift card with five dollars. When I got home, I tried to put 10 more dollars on it but after going through the phase of entering bank info, Telecheck would not let me add funds. What is it with Telecheck?

I ordered an item on Amazon.com, using my bank account for funding. I have previously used my bank account for funding items purchased on Amazon. I was contacted weeks later saying that my check did not go through. By that time the item I had chosen not to keep had been returned to Amazon.com. At the time of the transaction, I had much, more than adequate funds available.

2 days ago I attempted to write a check at my local Wal Mart. It was for an electronic item over $400.00 and the check was declined. My wife had our debit card, and she was at work, so all I could do was walk away without my item, looking embarrassed. I was given a receipt to call TeleCheck, so I did and was told that back in 2008 I had a "bad check" for $73.00 and was then connected with an Agent from TRS, who then confirmed that a "bad check" from approximately 7 years ago, was still showing up in their system.

Wrote a check for almost $700 to Best Buy for a laptop purchase. I had over $7,000 in my checking account and Telecheck denied my check, with no code and no reason. Cashier called and customer service rep had no explanation and hung up on cashier. I used my ATM card to purchase laptop. Thank goodness I had it with me.

On September 19th, I ordered a replacement charger for my husband's laptop. It cost the wee price of $19.90. I won't go into detail about how this charger sucks because it stopped functioning (that's for another time), but not only this, now I have to deal with these shadowy people who I've NEVER heard of. I decided to put my bank information on Amazon because my husband and I use our cards a certain way. One card is for bills and the other is for spending money. Well, this particular day I had the bill card. Not wanting to start mixing up my spending, I saw that Amazon allowed you to use your account/routing number. I was ecstatic and put it in so I could use the correct account.

I was at OfficeMax, and was writing a check out of a fundraising account for printing. I had written a check from this account on Sunday for printing, no problem. This time declined not because there was insufficient funds, but because they determine if checks are okay to be paid on a check by check basis. And because there wasn't a lot of activity on the account, in their system they declined my check. Which made me look like a total fool. I showed the OfficeMax that I had the funds in the account, but they didn't care. I called Telecheck and had to input my information in 4 times before it went through. No one could help me. They took all my very personal information and said "Okay well maybe try again in 7 days." WTH is that! I'm filing complaints with the BBB, and the Attorney General.

A few weeks ago bought a laptop at Best Buy. They ran the check and it cleared. It was around $1000. Went back today to buy a camera and the check would not clear. Talked to someone at Telecheck, total waste of time. She barely spoke English, accused me of not being authorized to use the checking account. How she came up with this conclusion I have no idea. Anyway, bottom line check was not approved, nor could they tell me what amount they would approve. The person at Telecheck advice was I should write more checks for bigger amounts, and make sure I only use vendors who use Telecheck. OK, first of all, I'm not wasting my time finding vendors using Telecheck. Secondly if they didn't approve this check why would they approve a larger amount. She then asked if she could help me further, she did nothing to help me to begin with. BTW there was more than enough money to cover the check and I have not bounced a check.

So I'd opened a bank account not more than a few weeks ago, debit card hadn't shown, and I had to order a new one - still waiting for that one. So I'm having to make all my online purchases via direct bank transactions. And then tonight (9/30/15), not one, not two, but three (3!) transactions (one of which had been processing for two days) are declined by this "Telecheck" service. So I go to check (for the second time in 10 minutes) that I've got my cash in the bank and that it's enough.

My check for $40 was denied at my dermatologist's office. No reason - "denied". I called my bank to make sure no one had hacked into my account. Not denied at their end. Called the 800 number, had to put in entire number on check, check #, amount, date, etc...twice. Then when I finally got someone, had to give info again, as they "didn't have in their system". After checking, clerk said it was not denied because of funds, but the driver's license associated w/ the account. He asked for that number. I asked him what number he had and he said it "was not in their system". I have had the same driver's license for over 40 years, and refused to give it to him. I felt they had enough info on me. He said he could not help me and I hung up. I called my doctor's office and she thought it was humorous. I go back in 6 months and told her to be prepared because I was again writing a check. If I could give less than 1 star, I would.

Went to Sears, wrote a check in the amount of @25.47 on Sept. 1, 2015. Check was denied for the amount. Went to my bank down the street to check my account. Bank representatives did not understand why my check was declined. Told me to check with Telecheck, and call the number on the declined check. Called Telecheck and could not speak with anyone, but a recording. Did an input of the information requested. Was told my check was accepted.

Have good credit but don't write checks frequently. However, as I await my debit card Telecheck is declining my checks due to insufficient history. How can I build history if they decline them? $25.00, was declined at the family Dollar store and I am told by their customer service that even though it was not a large transaction there is nothing they can do. Nor will they make any adjustments on my account, nor guarantee any future checks will be approved.

Went to Best Buy to buy a laptop computer. Wrote a check for 1497.49. The salesman ran it through their machine and said it was denied and there was no code printed on it so he had no idea why. I went to my car, grabbed my cell and called Wells Fargo customer service. They said there was no hold up with them and connected me to Telecheck. Oh, joy, Telecheck is automated! I had to enter my account number and then enter damn near every number on the face of the check. Then I'm told that my check met several parameters of a fraudulent check and so sorry nothing can be done, but if I want to talk to a representative press 1 and hold the line. They then asked for my zip code as written on the check, which I entered. I received a error message and was hung up on. So I re-entered the store, told the salesman what had happened and he agreed to try and run it again. Same result.

I had a vehicle stolen on 4/20/14 from Benicia California (Easter Sunday) that had a checkbook in it. I reported everything to the police department immediately. I reported the event to my credit union along with police report number the next day (Monday). They reported the checkbook stolen and cancelled all the missing checks. I received a letter shortly after regarding collection for bad checks from a check verification company. I contacted my bank and sent them all necessary paperwork. No problem. On May 15th 2015 I received a letter from the Solano County district Atty regarding a case filed by Telecheck systems against me for violating penal code section 476a passing worthless checks. I contacted the DA immediately along with my bank. After sitting with my credit union fraud division and talking with the electronic security division no records exist showing Telecheck attempted to collect on the checks from the Credit union.

I was contacted on this matter and I was told this would be taken care of. Time will tell. I am still not satisfied with their answer because I am not a risk in writing a check at this business since I have been doing it every week or every two weeks for years. I have never had a check written there returned for insufficient funds or any other reason.

I have good credit but don't write checks frequently. However, as I await my debit card Telecheck is declining my checks due to insufficient history. How can I build history if they decline them? $69.04, was declined at the grocery store and I am told by their customer service it was a large transaction and nothing they can do. Nor will they make any adjustments on my account, nor guarantee any future checks will be approved. I see this company was fined $3.5 Million in 2014 for this exact issue and nothing has changed. Class action lawsuit is needed and this company needs to be out of business as they are completely incompetent.

Telecheck is garbage. Apparently Telecheck does not often see large checks come through the door. I brought one such check to cover the total expense of a dental bill. I had proper ID and more than enough money in my checking account to cover the cost. The fact that Telecheck rejected the check was not only exceptionally frustrating, but very embarrassing. I have paid for more expensive things through other businesses with checks before and never had any issue. To complicate issues, Telecheck will take 7-10 days to "update" my account. No real explanation as to what that means since the person who took my call essentially said "Sorry 7-10 days, call back then" and hung up on me. I will be pushing my family to other dentist this week and will try my hardest to avoid making this mistake again.

I wrote a check and it cleared my bank account. I then had a overdraft fee of 25$ 14 days later. Called the merchant that referred me to Global that referred me to Telecheck. They could verify that the check I wrote was cashed by my bank And that a overdraft fee was taken from my account. Had them never to ask me what I had in my account when I wrote the check. My bank informed me Telecheck has no access to the amount of money in a person’s bank account. It is either paid or returned. My check was paid!!! They have no way of knowing you or your services with your bank. I wouldn't have even known but I went to write a check and it was denied. Mind you my checks are never denied. My bank pays all my debts for I have overdraft protection with no set limit.

Went to Walmart on 7/29 to buy groceries due to my husband taking my debit card cause he lost his. Wrote a check they approve. Husband is out on deployment till Saturday no big deal. Went back to Walmart on 7/30 for a new tire that blew out. Get there they said ck was declined. Wtf. Called them Telecheck. They advised me that I do not have no ck writing history, duhhhhh. I don't using ck only in case of emergency. Well the tire being blown out was a emergency. They said I need to write a for a smaller amount so I went back got a cheap tire denied again! Call them again. They said that in order for me to clear a ck I have to have a history and told me to to wait 7 days. Wtf again.

I went to my usual grocery store two weeks ago & as always wrote a check to pay for my items. I was told the check was denied by Telecheck. No reason but here is number etc. to call them. Needless to say I had to leave groceries & go to bank to cash a check. I ask bank why Telecheck denied the check. Bank said there was nothing wrong with my account but a lot of their customers are having problems with them. When I finally got home I called them. At first they had no idea why my check had been denied but finally said "have you moved?" I said "yes a year and a half ago, what does that have to do with anything?". They could not give any answer except the usual run around. Told them I want to speak to a supervisor. They said one would contact me in 48 hours. NO ONE CALLED.

July 22, 2015 wrote a check for $109.85 for service on my vehicle. Any other times I only write a check to pay rent. Enough funds because I went to the back afterward and she had no idea why denied. Called Telecheck find out what's a code 3, she wouldn't believe I'm the person on the check. Asking me if I'm sure you're this person. Not to be rude but yes and it's my money and you're humiliating me as a thief or I'm committing fraud. Who are you to judge when I barely write any checks? I think Telecheck protects our money from fraud but it's blocking me as the owner to get approved and that's a problem. Who makes this code 3 decision? I found out not the bank and that's where my money is at. So in one way Telecheck helps us and in one way frustrates us.

Ordered several things thorough Amazon and used my bank account as payment method. Several didn't go through and I immediately called my bank. Bank saw no issue with account whatsoever. Saw the reason for failed payment was a company called Telecheck. Found their website and phone number online and called them. After finally reaching someone, I inquired as to what the problem was. They told me that their "system" had flagged me because of my purchases. I ask why, and they cannot tell me. I ask what purchase flagged this, they cannot tell me. They tell me it's the system and there's nothing they can do to make my transaction go through. I ask how long is this going to be an issue? They can't tell me. The only thing they recommend I do is to try the order again with a debit or credit card. This is ridiculous and seems just a way to push people away from a legitimate form of payment.

2 people had stolen a check of ours out of our mailbox and had it written out to Wal-Mart for $831.38. Well, we went to the bank and disputed it. We had the original check register for $75.21. The bank did their work and found that the check was not written by us, so we got the $831.38 back in our account. We live in Minnesota and the check was written to a Wal-Mart in Wisconsin.

Auto repair shop is a subscriber to the Telecheck service. I wrote a check and was denied acceptance due to a Code 3. I called my bank, and they saw no issue with the status of my account or with the amount of the check. I called Telecheck and was told "nothing personal, it's just we don't have a history with you". WTF?? Now I have to wait a week before picking up my car. The shop owner is very embarrassed. I recommended to them to dump this lousy service as it will not reflect well on the business that uses them.

Telecheck is garbage. Apparently Jared does not often see large checks come through the door. I brought one such check to cover the total expense of an engagement ring. I had proper ID and more than enough money in my checking account to cover the cost. The fact that Telecheck rejected the check was not only exceptionally frustrating, but very embarrassing. I have paid for more expensive things through other businesses with checks before and never had any issue. To complicate issues, Telecheck will take 7-10 days to "update" my account. No real explanation as to what that means since the jerk who took my call essentially said "Sorry 7-10 days, call back then" and hung up on me. I will be pushing my girlfriend to other stores this week and will try my hardest to avoid making this purchase through this store.

I purchased a refrigerator today and wrote a check provided to me by Citibank credit card for my account for no interest for two years. Cashier ran the check and it was denied. Manager was called over, called Telecheck. They gave her an override code, stating there was no reason to deny the check. Manager tried to run check again, still denied. Meantime I have Citi on the phone telling me this company has nothing to do with credit card accts and verifying my check was valid. I was very embarrassed and am furious that this company thinks they have any say in my account. I am contacting Colorado's Attorney general's office Monday. I have never written a bad check in my life. I want a written apology from this company!

Telecheck really sucks. I am not sure how they base their decision but it really sucks. I attempted to write a check for payment of car repairs to a local mechanic shop... The idea plan was to make a payment then have 3 installment payments deducted from my payroll account by post dating 3 personal checks from my credit union to which I have been a member for 15 years and I am a state employee. I was denied because I do not have any history of writing checks. Well big duh. It is 2015 no one really writes personal checks for purchases anymore.

I placed an order on Amazon.com using my bank account on the first of July 2015 & received an email on the 5th of July 2015 stating that my payment had been declined due to something about it not being authorized. I don't write checks so I don't why I'd be getting a denial plus it was my savings account which I rarely use to pay for things so this left me perplexed as well as upset. I've used my savings account in the past to pay my electric bill with Entergy a couple of times & never have I been declined! I had more than enough to cover the little $39 charge for the order & now I have to wait another week before I get my order (had to use a different payment method) because of this company.

My checking account has plenty of cash and no bad checks anywhere. I went to Wal-Mart and my check was declined. I called my bank and they could not help except to verify check was fine. Telecheck basically said I got declined because of a lack of check writing history. I am not fond of writing checks and fail to see why an independent company can keep me from my cash because of a lack of check writing in their opinion. Furthermore, each month I do write large checks to pay my rent and bills. I don't understand why they don't face consequences after the 100s of complaints I have seen. It was fourth of July weekend we just wanted ice cream. Also, I see this happen to people at the pharmacy where I work and people cannot get their meds unless they come back with cash or use their debit card off the same account that Telecheck declines their checks on.

My husband and I went to Home Depot to buy appliances for our new home and were denied by Telecheck. When we called to see why we were denied (seeing as how we had plenty of money to pay for the appliances), we were told it was because the account was showing invalid in their system and they were not able to get a hold of anybody at Chase to verify the account. My checking account is perfectly valid!! It is 4th of July weekend so the bank won't be open again till Monday. Apparently I am only allowed to write a check during banking hours!

My identity was stolen and after MONTHS of police reports, completing forms, etc. and Telecheck saying it would take 7-10 days to write a check again, AND receiving a letter stating they have found these incidents due to fraudulent activities by another party and my profile was 'cleared', I'm still unable to process a digital check for my Sprint payment. Call them. What's the reasoning? THE SAME ** as before. I. Hate. Telecheck.

Several months ago, my check was denied at WAL-Mart ($200+ and a cart full of groceries). My call to Telecheck and subsequent complaint went unresolved. Seems a week earlier, I did not have enough in my account to cover a check for $34 previously written at Pet Supplies Plus. I was able to pay for that check and the penalty fee and hoped that would render the problem. I WAS MISTAKEN. Since then, a number of stores will not take my check even though I have more than a thousand dollars in my account!! Through trial and error (and embarrassment), I determined these stores WILL accept checks: CVS, TARGET, BED BATH & BEYOND and MEIJER. How can I get this "red flag" removed???

I went to a Wal-Mart marketplace to get groceries. I had a buggy full. I did not have gas or card on myself so I decided to write a check. My bank account had more than enough to cover the amount, but my check was decline due to not enough history...what the hell? I am not applying for a credit card or to buy a car. How can they just blanketly deny someone getting freaking groceries!

I sold one of my businesses and tried to cancel service. After talking with my accounting personnel they asked for a letter from the owner to cancel. We asked if we could email the letter, which is what most businesses use today as a communication tool. They insisted only on a letter in the mail. Two weeks after we sent the letter they acknowledged receiving it, and that the 30 day cancellation period would start from that date.

I wrote 2 checks to my local store, 1 was for a bike and 1 was for groceries. They declined the grocery 1. When I called it was "because my bank merged with another bank, and the routing number changed." I was assured the info was updated and I should have no problem... Lo and behold, next week same thing happened. Only it took 1 and 1/2 hours to get thru. They wanted to know if I was still at the store... Right. Plus the phone on the declined check 1-866-792-4171 is Suntrust bank not Telecheck. I did have a nice person transfer me to the correct department. TELECHECK phone is 800-366-2425 where they updated my info again. I advised the young man that I have had this checking account for over 20 years and because the routing # changed this is not a NEW account. This system is so backwards and antiquated. I can't believe it...

I wrote a check to Walmart that was declined by Telecheck. They stopped me from writing a check due to a check my wife wrote years ago before we were married. But yet I never wrote a bad check and they confirmed it.

I wrote a check from AMEX Bluebird and pre-authorized the funds to a merchant for a monthly payment. They could not authorize the check and gave a code 3 as a reason. I called TeleCheck and they said there was no negative information on me or the company of the check but still falls outside their guidelines using fraud protection as the reason. I am tired of companies saying fraud protection as what I have experienced is that companies now want all your information. I had to give my name, address, phone number and DL number to TeleCheck and they still would not process the check. I am sure they will be selling my information. This is just another way to gut a consumer of their identity "legally."

I went into service king and wrote a check for 500 which was my deductible and when they ran it through the Telecheck it was denied. The reason was they thought the check was fraud. That I stole the check - my own check and I asked them "Why didn't you call me or call the bank to see if I had the funds." They said they don't do that - that my bank won't tell them anything which I think is bull. All they had to do is ask them if I had enough money in my account to cover and the bank would of said yes. I had more than plenty.

Went to K-Mart in Kearney, NE on May 23rd 2015. My check was declined for $140. 10 minutes earlier I gave Walmart a check for $180, no problem. I do not have a debit card. The cashier was new. I told her that was impossible, showed her a receipt from my bank's ATM when I checked the balance before shopping, over $3400 in this account. A supervisor ran it as cash and let me leave. At 10 O'clock the next day, SUNDAY, the store called and said the new cashier tried it too many times before cash that it didn't work. So now I have to give this lady a credit card number. She said, she herself had had this problem once and told me what I could expect from Telecheck. She was right.

Went to Lumber Liquidators, wrote a check for less than 200. Got denied after 10 mins of entering and reentering information, talked with an English as a second language rep.. they said I wrote a bad check in 2010. Gave the date and the check number. I don't shop where they said check was written. The check number was over a 1000 checks in number as the check I wrote today. I looked at my bank statements, no such transaction existed. I have written many checks since Aug of 2010.. How does this stuff happen? Such a fraud of a company. Is there any regulation for such a company that causes such grief and embarrassment?.

I have been arguing with Telecheck for over two months now. They denied a check of mine, called them and they told me I needed to update my info with them and that in 7-10 days I could write checks. Ten calls to them and more denied checks and I get the same runaround. Keep telling me the same story. Called my bank and they can't do anything to help me either. What a terrible company!

I had a check book stolen more than 10 yrs ago. The DA's office verified I did not write any of the checks. Several were written to Walmart by the person that stole the checks. I just tried to use my drivers license to make a return at Walmart but was denied. Telecheck still has me responsible for those checks. I tried to correct this with Telecheck but got a run-around. Not good business for Walmart in my view as I will further limit my purchases with them. They are no longer a customer oriented company.

On May 18 I wrote a check to Food Lion for $14.86 no problems. Two days later, I'm in Walmart without enough cash so I write a check for $15.86, it declined. I called Telecheck whose first rep said I had a check from Dec 2014 for $49 finally cleared May 23, 2015. I push for more info, line goes dead. Second rep can't find my account at all and needs my license number. Third rep on the same day within minutes of each call tells me I have a bad account registered 4/28/15 at Rent A Center in Texas with no dealings at all with this company, who might I add doesn't accept checks. I live the Carolinas. I was also informed that two bank opened negative info on me in 2008 and 2011.

They don't want to remove my balance to show a 0 balance like the Court required them to do. And I have a Attorney. I will turn it over to him Tuesday morning.

For the second time that I tried to write a business check to Sam's Club, they rejected my check. At the first time in Feb. they said the system did not like the check number, where I wrote a check just 30 min before that and that check did not get rejected. For the second time I was in Sam's, again in May, they rejected my check. This time they said they show my check as personal. The name on my account is clearly a business name.

I had automatically had two return check fees taken out of my bank account, two weeks after the checks were redeposited and paid. I have not been able to find anyone who has the knowledge or will help me with this. I am trying to find out if this is legal and what can be done about it. If they are in the wrong, then I just want my money refunded back into my account.

I have had the SAME BANK ACCOUNT for TEN YEARS. Recently started writing checks. However keep getting denied due to 'lack of history with Telecheck' HOW CAN I BUILD HISTORY IF CHECKS ARE DENIED! Call them and it's a runaround and barely speak English! Absolutely humiliating to have a cart full of groceries and get declined over $54.40 at Family Dollar! Never had negative acct with Telecheck!!!!

On April 29, 2015, I wrote a check to Office Max for around $275.00. I was promptly declined and given a receipt with a 1-800 number, which I called from my car. After entering my check information three times, I got a live person who could not speak English well. He informed me that the reason I was declined was because I had never written a check that large before in this store. He read word for word from a script the criteria used to decline my check... nothing about insufficient funds, which the business account I used has more than enough. I then filed a complaint with BBB in Houston where this company is located. I live in Abilene.

On April 22, 2015, I presented a check in the amount of $150.70 to Ga Neuro in Macon GA. Telecheck denied this payment and since I had way more than enough to cover this check, I was very embarrassed by this situation. When I got back home, I called Telecheck and they really could not give me a reason why it was denied but said our account may have been compromised in the past. I gave her a piece of my mind and told her that this better not happen again and if it did, I would get a lawyer and sue Telecheck. Ga Neuro was not too helpful either but rather looked at me like I was trying to present a bad check. Honest people don't stand a chance in this world.

I opened a new checking account. It has plenty of money in it. But you wouldn't know it since every time I try and write a check Telecheck refuses to let me pay with a check. I went to the grocery store last week and wrote out a check. I was so embarrassed when the store refused my check. I called Telecheck and was told because it was a new account my using it at the store caused it to show suspicious activity. The girl at Telecheck told me to use my other checking account number for a reference number since it was an account we had had since 2001. She supposedly put my other checking account information in as a reference and told me everything would be fine.

I am with a multi-million dollar business and wrote a business check for $22.73 and Telecheck declined it due to not having enough history on this particular account. REALLY! I called the number and was disconnected after entering in the information. If they are going to decline people, THEY NEED TO ANSWER THEIR FREAKING PHONES and GET IT STRAIGHTENED OUT! Now this business that we tried to purchase from thinks that our business is no good. Will never write another check to anyone that uses Telecheck!

I was shocked when I tried to pre-pay for gasoline at the local Dodge's convenience store on 9 Mile Road in Pensacola, FL. The amount was for $20.00. I have been paying by check at this store since I have been patronizing it for approximately ten years. The clerks essentially were rude and told me to call Telecheck at the phone number listed on the "denial record." When I called the firm and punched all the buttons, I was able to reach a customer assistance rep rather quickly. However, I had difficulty in understanding her and she never did answer my basic questions: Why was my check denied? What will be the future consequences of the denial? Will I have problems with other firms and other checks? When will this mishap be fixed?

I went to Office Depot to purchase a printer. I wrote a check for $128.69 and it was declined. I have never had a check declined before! The sales clerk couldn't give me a reason. I knew there was several thousand dollars in the account. I went home, got online and checked my account and there was plenty of money in the account. So, I went back to Office Depot. The salesclerk gave me a receipt from the register that had Telecheck's contact info. I called and after 7 minutes of punching in numbers to an automated system, I finally got to talk to some one. Now listen to the reason they gave me that my check was declined. They said that the majority of checks that I wrote to merchants that use Telecheck's averaged around $40 and since this one was $128.69, it was way from the norm on the risk analysis. Are you friggin kidding me?!! I just wanted a new printer!

I tried to pay my Sprint phone bill using my checking account. Since I'd never paid via that account, my payment was declined. Sprint told me to call Telecheck to get everything straightened out. I called them and entered my checking info as prompted (which took about 8-10min using the automated system). When I was finally transferred to a live agent, the background was so noisy that I had to ask her to repeat herself. She hung up on me. The total amount of time I was on the phone was about 30min and nothing was accomplished.

I have been a merchant accepting checks through Telecheck for 13 years. I have not needed to contact them for the past 7 years. Today, I found out they charged back my checking account for $613 and never notified me. They state a check they approved and I paid a percentage to them for their service to guarantee the check, had a "stop payment" placed on the check after they approved it. They state they are not responsible for stop payments unless I pay an additional fee that I do not currently pay. I told them I was not told this was an additional service that required an additional fee. I was given an approval code and paid the fee and expected them to honor the check. They refused saying I was not covered for stop payments. If the customer had let the check bounce, I would be covered. This is ridiculous and they should immediately refund all fees that I paid them as well as honor the check they approved.

Looks like my experience much like others. Tried to use a check to pay for a somewhat expensive ($149) prescription at CVS-- check declined by Telecheck. I am 57 years old and have never had a check declined, a very healthy amount in the checking account, more than sufficient to cover the check. After going through their aggravating phone system, I spoke to a live person who informed me that we did not have enough history on the account, so it seemed we were a bad risk. We had another account for 30 years and recently changed to this bank. Also, they were not familiar with this bank! Incredible.

After years using the same bank and the same store (Giant Food), my check @ $100.00 was turned down due to no history with Telecheck PO BOX 4513 Houston TX. When you call the 1-800-366-2425 you get a fully auto service that will enter all your info into, after that it will ask you to press 1 for an operator, at that time it will disconnect you.. When I did speak to a rep, he told me I would need to write a number of smaller checks first to establish a history. With no assurance from Telecheck that even a small check (<$ 50.00) still might turned down. From now on I will shop at a local store that will not use this service.

I was in Gander Mountain today. While checking out, I wrote a personal check for $73.21. My check was declined three times. I did not have my debit card or a credit card with me and had 50 bucks cash in my pocket. I called my bank thinking someone had cleaned my account out to find there was plenty of money in the account. My banker told me that Gander Mountain probably uses a "check service." I called Telecheck, Gander Mountain's choice in "Check Service" handler and after 5 minutes navigating their recordings, I entered the amount of the check, the routing number, the account number, zip code and check number THREE times until I could speak with a human. Then the non-American human asked for all that information again. In addition she asked for my home phone, home address, got the address wrong and asked to clarify. I repeated my address as she had butchered the name of the street, and had to tell her my zip code for the 4th time.

I opened a new checking account and wrote a check at the grocery store. I was told my check couldn't be accepted, they had no way to override the code they were getting. I called TeleCheck and wanted to know why my check wasn't accepted. He told me I didn't have enough history with TeleCheck for them to accept my check. He then asked me questions, like address, phone number, etc. He also told me that I had written a number of checks in a short time and that was another reason it may have not been accepted. HELLO IT IS A CHECKING ACCOUNT! I asked “how many checks were acceptable to write.” No answer. He told me I was on file now and it should be fine. Fast forward five days, I am at Best Buy, write a check and it is declined. I am embarrassed/furious at the same time. I call TeleCheck and tell them “I want this problem solved”.

Telecheck denied my check at Walmart in Pensacola on Hwy 29. There is plenty of money in my acct. I called and had to punch in routing number and acct number 3 times before I could speak to a person. Couldn't understand the person so I tried it again. The operator was rude. Said we had a bad connection and hung up on me. This service is ridiculous. My son needed car seats for his children! I'm very disgusted with this company!

I wanted Amazon to transfer $15 from my savings account to my Amazon payments account. They had some sort of problem and it failed. Months later, Telecheck called me telling me they think I should owe them a $20 return check fee for Amazon's failure to perform. I called them back later and they said they looked deeper into their system and I should owe them another $20 for something or other. Their actions against me and everyone else constitutes tortuous interference in business relationships and I hope a law firm will take a case to sue them for it.

We went to Best Buy to buy a new laptop computer. My husband wanted to look at the new LED televisions since we also were considering replacing ours. Decided to buy a television also along with a sound system. Paid with our 1st check in an account we had several thousands in and Telecheck rejected it. Used another checking account that had about the same amount in and it also rejected it. Luckily we also had a credit card with us that (at least) wasn't refused.

Went to a business I normally shop in maybe once a year. Tried to write a check and was denied "code 3". I called Telecheck and went through their automated service which said they couldn't find anything wrong but i did not have enough history with them. LOL. I've been writing checks on my account since the mid 80's. Finally got to a real person with Telecheck and the only thing she could suggest was to write smaller checks often. Called my bank and they have never heard of this nonsense. Checked my credit monitoring service and they have no indication of fraud. I've read that when Telecheck approves a check, if it then bounces they are responsible... Could this be why so many checks are being denied?

I wrote a 60.00 check and Sears and first they approved it, then turned around and denied it. I cannot find out why when there are plenty of funds in the account. I have been on the phone today for 45 minutes, finally I hung up and this is supposed to be the fast track line to customer service and a human being. When I called the line they gave me, it showed both checks had cleared. No other info. I am furious and embarrassed that this happened to me. There is no reason Telecheck should have the right to dictate to me when I can spend my money! I want answers, maybe the news media might get answers.

I wrote a check at Walmart and it was declined. I had plenty of funds available, so was very confused. I called Telecheck with the number on receipt that also showed code for the decline. I was informed that a check had been returned at McKay's Market (I was $20 past $300 overdraft limit). Was then advised that when check was ran through my bank account again and all fees incurred had been paid I would be able to write checks again in 7-10 days. I called Telecheck again after 10 days to be sure I could write a check and was told at that time, all was good. Wrong!! I went to McKay's again and my check was declined again. There was plenty of funds to cover the check.

I don't write checks. I have checks for emergency, only. I have a checking account. I purchased a book, under 20, from Amazon and used my checking account as I do occasionally. I received a declined notification from Amazon, AND PAY FOR A PRIME ACCOUNT, that it could not be processed due to Telecheck. I purchased something a week earlier and had no problems. I have no outstanding checks and I am mad as hell. What gives? I went to look into this and noticed this: TELECHECK, YOU DON'T HAVE MY FULL NAME, NOR DO YOU HAVE MY DRIVER'S LICENSE, PHONE NUMBER AND IF YOU THINK I AM CALLING TO GIVE YOU THAT' YOU ARE FULL OF IT!!!

I received two letters from Telecheck saying that the transaction I authorized at the above merchant location cannot be completed because the banking information was not read correctly by the check reader. I never have wrote checks to these places and these letters were sent to an address I haven't lived at for four mouths. I called the number on the letter and the lady told me it was from a bank account I never had and told me a phone number that was never mine. She gave me another number to call and said my information was probably attached to the wrong file. She said to call the disassociation department and they would take care of it. The funny part is even the old address they sent the letters to was not right. The street was spelled wrong and the zip code was wrong.

Tried ordering items from Amazon as I have many times. Tried to pay using my checking and was declined. Have plenty of funds but could not get my items and no explain as to why. It's the worst I have ever been treated by a company with no help and no purchasing power because of who knows why. This company is ridiculous and needs to either get out of the business or reorganize with someone who knows how valuable customers are!

I recently tried to make a purchase with Amazon using my bank account and was declined. I was informed that the company used is this Telecheck garbage. I have done research and found that Walmart utilizes the same company. I find that very sketchy since I use my checking account all of the time at the Walmart in our town.

What happened was I received a letter in the mail from Telecheck Services, Inc. They claimed that a check I had written was declined. So, I contacted my bank, and they told me that the check DID clear the bank, that it HAD gone through. I checked Telecheck on the Better Business Bureau website, and found out that they had over 300 complaints filed against them. Well, they can now add one more, because I, too, filed a complaint. I would not recommend this company to anyone. Ever.

I have two accounts with ARVEST both with enough funds to cover the charge yet when I tried to pay my sprint bill using my checking account it was denied then when I tried to use my bank card on the other account it was also denied. After a call to telecheck I was told by Eddy they didn't have enough of my personal information and I hadn't written enough checks for them to have a history, therefore they declined payment. I wish there was a way I could make them (telecheck) pay for my embarrassment as I have been a sprint customer for many years. By the way Wal-Mart also uses telecheck and I have never been denied using my card at a Wal-Mart. I am beyond angry for this treatment.

I usually use my debit card at the grocery store, but forgot it today. I had check on me and attempted to write one for my purchase. Telecheck denied it because I had no check cashing history. Companies should think twice before using them. I have never bounced a check in my life. I am so upset with the store, I will no longer shop there either. Sometimes debit cards need to be replaced and checks need to be used, of course there won't be a history, negative or positive.

I opened a bank account with a new bank because my family moved to a new town and our previous bank did not have a branch in our new hometown. I have not received my check card, but my checks arrived via USPS. I went to Walmart to buy groceries, and my check was declined. I had more than enough funds to cover my $530 grocery expenditure per my bank; however, Telecheck would not process my check. According to them I have an outstanding debt with Suntrust from 2010. My husband and I just purchased a home in October and have our detailed credit reports. There is no mention of an outstanding Suntrust debt. The Telecheck representative also told me that if I write a check at any business that utilizes Telecheck, my check will not be processed. I'm trying to understand how Telecheck is helping me or Walmart. I wasted an hour and a half grocery shopping and left over $530 in groceries in a cart in the Wamart store. I didn't get the groceries and Walmart didn't get any money. If I can determine who utilizes Telecheck, I won't do business with those companies if at all possible.

All I can say is I am glad I am not alone with my dislike for this company. Had some work done on my car today at the dealership and only had a check to pay with as I had recently lost my debit card and was waiting on a new one to be mailed. Bill came to $500. When I gave them a check I was informed that it had been declined. I have never heard of a check being declined but the cashier advised I call the company and inquire. I followed the prompts and received a recording stating the reason for being denied which I still did not understand. I waited 5 mins for a rep to pick up and spoke with a female who could barely speak English. She stated that since I do not have a history of writing checks that factored into the decision to decline it. I told her that I normally use a debit card and just use checks in emergencies.

Have tried to do online transfers via MoneyGram and each time the transaction is denied by Telecheck. I don't bounce checks and there is more than enough in the account to cover the transaction. Calls to telecheck are useless. They don't care how much money you have in your account or whether you have bounced a check or not. All they care about is your check writing history. And they won't put in an override to allow the transaction to complete. Their solution? Write a check for a smaller amount. Brilliant. Like I write checks for more than I ever need to?

Yes Walmart would not accept my check because of telecheck but sams would take the same check. The day before I wrote a check for 14.95 Walmart took it then when I went another time they would not. Telecheck sucks big time.

If TeleCheck markets itself as being modern, then why does a consumer have to sit and wait on a phone line to find out what happened? Why don't they offer online services so that a consumer can view info and request corrections? The answer is because they don't want to - they are really more interested in the debt collection business. They've already paid the FTC more than $3.5 million because they forced consumers to write, provide documentation, and use paper intense methods, which keep the problem going longer.

Like everyone else, I had plenty of money in the bank and had no issues with an outstanding debt or bad check. My purchases on Amazon were declined because, at Christmas, starting on Dec 2nd. I spent too much money through them. After 2 weeks+ of calling telecheck and waiting, then resubmitting, I finally canceled it and went to Ebay and paid through paypal. Yesterday I write 2 checks and everything is fine. Today I write a small check at a local store - the store I shop the most because it's 1 mile from my house - and Family Dollar gives me a dreaded decline slip. I call again (4th time this month) and I'm told that I need to wait ANOTHER 7 days to write checks again because I bought too many items online through Amazon. But now I fear I'm going to be flagged all the time, if they don't like what I'm buying. They said over and over that it's not about how much I have in the bank, it's about systematical evaluation by the computer and it decides that there is potential for my purchase being fraudulent... umm.. what???

After working over 12 hours yesterday I went to Wal-Mart. My family is having Christmas tomorrow so I needed to buy groceries and finish shopping for my grandchildren. I finally get everything bagged and loaded in the shopping cart they tell me my check was denied. I recently starting using checks instead is my debit card. This happened a few weeks ago ad's when I called Telecheck they told me I needed to update my info with them. So I spent 15 minutes answering questions. I was told this wouldn't happen again but if it did to call from the store and they would take care of it. So I call them, the rep could barely speak English do we were having a hard time understanding each other. I'm standing in Wal-Mart on a Friday night before Christmas answering the same questions only to be told I would need to wait a few days before writing another check. I had plenty of money in the bank but that didn't matter. Apparently that's not the issue when they refuse my check. I was embarrassed and furious. They have ruined my Christmas with my family. I will be up all night trying to get everything ready for our big day tomorrow. So somebody please tell me....now do I make sure this never happens to me again.

Today we had a check denied by Gander Mountain for the amount of $21.67. It was denied through Telecheck Services. When we called Telecheck to find out why we were denied, we were told that it was because we, "Have written too many checks in the last few days." HELLO! IT'S CHRISTMAS!!! We contacted the store and were told sorry and that's about it.

I went to pick up my layaway at Walmart on 12/13. It was denied. Spoke with your representative, he said everything was okay. Went back today 12/14 and the same thing happened. Embarrassed, oh yes. When I called today around 12, your representative, a young female, she was no lady. I was still talking to her and she hung up. Since I am leaving today and won't be back until Friday, I lose my layaway. Hopefully, not all my money. All of this because I don't use checks for payments in the stores. I am embarrassed and very upset. I need, I want an explanation. This is ridiculous. Please respond.

I "adopted" a teenage girl from the Angel tree at my YMCA center today (Dec 11). The gifts were to be turned in by the 15th which is Monday. Her (chosen Angel) heart's desire was underwear and a cell phone... reasonable request, I think. So I went to my local Super Wal-Mart, shopped for a cell phone and service card for 2 months use. Total was $117. I used a check. No problem. Then I spent 3 1/2 hours buying games, clothes and personal care items for my "Angel". Total $192.22. My check was declined. I had more than $1200.00 in the account. I called Telecheck. The EXCUSE I was given... because I seldom write checks! I spend an average of $879 per month at Wal-Mart. I can shop elsewhere from now on. I called them and had to put the amount into an electronic database 8 times before the thing finally got it right. Angry? Oh yes, definitely!

Recently went to Walmart to get Christmas layaway out to beat crowd, stand in line nearly 30 minutes before associate waits on the first customer waiting, only to get up there and check declined with a code of 02. Call Telecheck and have an agent tell me I only wrote a check on November last year and don't have much of a history but no flags on my name but she updated system and try again in 7 days or write a check for smaller amount. Very embarrassing, and shame to be penalized for writing few checks, but use at Walmart grocery store all the time, no problems.

My experience doesn't rate a star, but I couldn't submit this otherwise. As was the case with MANY others, my check was denied; when I called the 888 number the request track just kept looping. After entering my information 3 times, I tried to contact a "live person" using the "0" (most reputable firms are set up to allow this, obviously telecheck is not among them). My check was declined at the pharmacy in Walmart. I am not aware of any changes in the law that states a check CANNOT be refused to pay for medications. Therefore, what you did is illegal. Any comments? If it happens again, I will pursue the issue.

I was shopping at Walmart on 12/7/2014. The store was extremely crowded and lines were long as is expected at this time of the year. I tried to write a check and to my surprise it was declined. This was a Sunday evening, of course I could not reach my bank, so I worried about this all night, knowing I had money in my account. I did not know if my account had been hacked or what the issue was. I called Telecheck first thing Monday morning. After several minutes of punching in numbers I finally reached a human. The woman barely spoke English, was extremely rude to put it politely and told me absolutely nothing other than Telecheck has the right to refuse anyone. She placed me on hold 5 times without even telling me she was going to (I would suddenly hear music and find that she was gone again). She refused to let me speak to a supervisor, called my bank without my permission, and asked me for my pin number so she could verify my account.

I went into Best Buy in Menifee, CA on 12/6/14 to purchase a Christmas gift for my son who is currently living in Australia. I was excited to have found some items for him in time to mail and arrive by Christmas. My purchase came to $338 and some change. I pulled out my debit card to pay for the purchase but at the last second, I changed my mind because of all the credit card breaches occurring. I had just watched a program on TV about this several nights prior. I decided to write a check instead, which I do less frequently anymore. What a surprise to be told that my check was declined. The only time I ever paid overdraft charges was about 30 years ago when I was 20 years old and was six cents under in my checking account. I won't disclose the amount of funds in my account when Best Buy denied me, but I can say that my funds and their availability were not in question.

My check was declined at Walmart on November 30th!!! There was enough funds in the bank. When I called Telecheck to find out why it was declined, The automated system wanted lots of information to be put in before even getting to speak to someone. The representative read paragraphs of unrelated information that could be the reason I was declined. I gave all my information that they requested, even my previous checking account information. I spent over an hour on the phone trying to resolve this issue. I was told they have the proper information now and I should be able to write checks in the future. I tried to write a check today, in which I was told it is declined @ Family Dollar.

First off, let me say my Wife and I have been doing business with Best Buy since they came to Spartanburg, SC - approximately 35 years ago. We have sometimes paid more than we could buy the same thing for at a competitor because they were a small store when they first opened and their employees came to know us - at least by our faces!

Had an acct with Chase for almost 25 yrs. Wrote many checks many times a week. Recently checking acct was hacked and had to close it down and open up another for security reasons. Now checks are being declined. Called Telecheck and was told as it's a new acct it raised red flags. Told to build up my check writing record with them. Asked how I could do that if they kept declining my checks. Told not to write checks for 7 days!!!?? It's the Holidays. Then told if it happens to call Telecheck from the store, that will go down well with a line of people behind me on the Holidays!

Today, November 29 2014, I went to my local Shopko to partake in the extended after Thanksgiving sale. I spent over two hours in this store... some nice Christmas gift purchases and a winter jacket for myself. At the check-out, I wrote a check for over $200 and my check was declined. I have written checks other times at this store and not a problem. I should say that this is the second time I have had a check declined. The first time it happened was over a year ago and my check was under $50. At that time, I asked the check-out gal, "Why?" She told me it was probably because I didn't have "a history" with this store. At that time and this time, I have the proper funds in my checking account, so a 'lack of funds' was not the problem.

Thanksgiving evening and Black Friday my wife and family were out of town approximately 350 miles away from home. She did not take very much cash only her debit card and check book. That night our checks was refused at our local Walmart store which there are usually checks written 3-5 times a week. The next day in Tennessee and Virginia, we had numerous checks denied at various vendors throughout the states. When this first happened at Victoria's Secret's my wife called me and told me what had happened and how embarrassing it was standing in line for 35 minutes and the line behind her held up because of this situation. I called TeleCheck and was told by an automated service to enter my checking account number routing number and check number I had to do this at least five times to get this to go through. I was then switched over to an customer service operator who was not interested in helping nor wanted to help. I was talk to very rude and I asked to speak to their supervisor. This man got on the phone with an attitude and was very rude also and that made me angry and I lost my cool as well. I feel that this man put a check on my account at that time that when any other checks went through, they would be denied.

So, stopped in Walmart today, telecheck declined my check despite having funds in the account. Called the 800 number and somehow, after entering all of my checking information, wound up on the phone with TRS recovery services. I was never told I would be transferred to anyone. TRS recovery, who wanted even more of my personal information, says that I owe Compass Bank over $1,000.00 in overdraft fees. Compass Bank just settled with me and however many other previous clients for more than $11M to do away with those fees because we were all overcharged to begin with, oh yeah, and I haven't banked with Compass in more than 5 years. I attempted to explain this to the very foreign lady on the phone who really couldn't provide me with any answers at all. It was a pointless call and Telecheck transferred me to another company without informing me that they would do so.

I went to write a check at save a lot. It declined it. I call telecheck and they said it was because my checks were out of order. I have been writing checks. I can’t even write check. Every time I write a check, they decline it. I think they need to get their system. They really suck.

My bank had my check numbers mixed up. I wrote 2 checks that didn't clear, these were written on 10/04/14, one was to Walmart and the other one was at K-Mart, Telecheck has these checks. I want to get them taken care of, my credit Union will pay these checks plus the extra they charge but I can't get a real live person to ask how to pay these, please help. Thank you.

I have been writing checks for almost 40 years. When I changed my bank, because the bank we used closed their doors in my town. I had to change banks, and now I am having trouble cashing a check in certain stores. What the heck is with this ridiculous system with Telecheck when you change your bank? Like it's your fault that a bank closed their doors and you had to change banks. We don't have direct deposit with our company, so we have to deposit the check at the bank. If we had direct deposit at work, we wouldn't have had to change to another bank. We are being punished for changing our bank. So the stores, like Walmart and some other stores, will not let me write a check with their store. I wrote checks, with my old bank, for years and never had this Telecheck issue.

On October 27th, 2014, my family and I went to our local Wal-Mart to do our grocery shopping. I had lost my debit card but still had my checkbook so decided to pay with a check $195.00. When the woman took my check, she ran it in her system and said it was declined. Mind you, I have a 4 and 5 year old with me who are now running around like animals. The cashier (very friendly and courteous) gave me a receipt with a Decline Code: 02 on it and suggested I call the 1-800 number to see what the problem was. After 30 minutes of entering routing, checking and check numbers over and over I was finally connected to a woman who said my check was declined because I have no history with them. I asked to speak to a supervisor and she also said that I had no history with Telecheck so it raised a red flag when trying to pay with a check. She went on to tell me further that in order to "establish a history" I would have to start with writing small amounts and the flag wouldn't lift for at least 7 days so I would have to wait.

I just left Walmart where I tried to pay for my purchase with a check, but to my surprise it was declined. I called the number printed on the decline receipt to find the representative telling me that it declined because it was my first check that has gone through their system and I should use another form of payment. Well, I lost my debit card and am currently waiting for my new one to arrive in the mail so I didn't have another form of payment. He couldn't tell me if it would happen again or anything. It's embarrassing, especially when you have a basket full and know that you have the funds to cover it. After reading many reviews, I've learned that this company is a JOKE! They constantly deny customers' checks for bogus reasons. Way to drive off business.

I went to walmart tonight with my grandson that is going to college. Was buying him some groceries and at the same time buying mine. As I reached the register I wrote a check and paid for his, and then proceeded to ring mine up and wrote another check for mine and it was declined!!!! I called telecheck up with my so called code number and was told I had not wrote very many checks so I had to build up some sort of check experience with them. Then he noticed I had wrote a check just previous to the one that was declined. Then was told that it was out of character to write two checks in a row like that, so that was why I was declined.

I, too, was discriminated against today while writing a check to Nordstrom in Anchorage, Alaska. I have lived and shopped in Alaska 40+ years and have no returned checks or bad credit. I have been with my current bank for 2 years. I have written many checks to Nordstrom and other merchants around town for dollar amounts of $300-$500.00 on a regular basis and routinely spend about $500.00 a month at 'Nordies". Today the clerk rang up my purchase for $409.00 and TeleCheck would not approve the check. I was not embarrassed, having nothing to be embarrassed about, however this probably does lead others to wonder if I bounce checks.

I was at Home Depot on 10-01-14 to purchase supplies for my business. The check amount was for $261.02. TeleCheck declined my check. Called telecheck to remedy the problem from my home. After a series recorded questions asking for "27" numbers on my declined check and numerous other questions from someone who couldn't speak English, they tried to call my business to confirm my information. One problem, my employee, I later found out could not understand them either. It was at this time the phone connection was lost. The process was then began again with redundant information request and a 3 way conversation with my bank to confirm my identity. After all of this I was informed they could not guarantee this problem would not repeat itself.

Good Morning, From Northeast Tennessee, where the people mean more than the dollar amount you can charge them at the bank. I am a married, stay at home mother of three. My husband and I have learned the hard way at a young age how hard it is to survive in this once blessed country of the USA. High school sweethearts, we married young and dreamed of starting our family. Creditors literally circled us like vultures over fresh meat. One credit card led to ten, we spent our first year of marriage struggling to keep up with our credit card debt, we consolidated and soon realized, credit cards can kill your hopes of good credit. Life happens. We have lived and learned. We have also managed to keep our heads above water through a corporate lay off for myself, student loans for a bachelors in business degree for my husband and Dr bills out the ying yang from the births of our three children.

I have never bounced a check before, but for no reason at all I was denied the right to write a check at. I am getting a new debit card in the mail, so I really have no other way of payment. I called them while I was standing at Home Depot, they told me they added me to the directory and try again. The second check was denied too. I was simply not allowed to write a check, because I had never written a check to a telecheck company before. Seriously? I can't believe companies let this third party decide whether they get money or not.

My check was declined at Home Depot on 9/6/14. The clerk at Home Depot gave me TeleCheck's 800 number and a 7 digit code to use to find out the reason for the decline. I called TeleCheck and was told that it wasn't for insufficient funds or history, but because it was the second check I'd written to Home Depot that day! The first check was at a different Home Depot. The second check at the second Home Depot location was because they had the item I wanted whereas the first Home Depot didn't. That and the total amounts (about $350) caused the check to be declined! It was ID'd by TeleCheck as a "risk"! I had to get the money in cash (very inconvenient) because Home Depot's debit and credit card security is breached. The Home Depot manager said he had no part in policy making; it comes from corporate headquarters in Atlanta. I'm not going there anymore.

I tried to write a check at Walmart which I shop at once or twice a month and for no reason at all Telecheck denied my check. I was completely embarrassed. I called Telecheck from the parking lot of Walmart. Telecheck would not give me a reason why check was denied. I got people reading Q cards like robots. I tried writing a check from my business account of 20 yrs. and they tried telling me they didn't have any history on me. Well I've been at same bank for several years, been in business for 20 yrs., been at same address 16 yrs. Been writing checks for years, so they have plenty of history on me.

I tried to buy a computer at Walmart. My dad wrote a check and Telecheck declined it, simply because he had never written a check there before. My dad has lived here for fifty years, has written hundreds of checks and never bounced a single one. This the first time his check has been declined.

Yesterday, 8/20/14, I was shopping with my son for all his first year college supplies at Bed Bath & Beyond in Brookfield, WI. I offered payment with a check tied to a Bank of NY Mellon investment account. The account held funds that we had saved over the past 18 years specifically for the purpose of college expenses. We ordered new checks as a way to draw from the account. A check in the morning to Office Max received Telecheck authorization, however, the check to Bed Bath & Beyond was declined. I had two full carts of merchandise with a very long line of customers. They actually had to open addition check out lines because of the back up and the time it was taking.

My checks are being denied at Pier 1, HomeGoods & other random places. My banks states everything is in order. Embarrassing & aggravated to say the least.

On 08/10/14, my wife went to Wal-Mart, as she does about everyday, to shop. She attempted to write a check on our US Bank account with a balance of over $900. It was declined. She had to leave to get cash, which embarrassed her greatly. Today, I called Telecheck and was told by a customer service rep that the check was declined because she had written too many checks in too short a time. Now my question was why does it matter if she writes a check everyday and the lady told me again that she was writing too many checks in too short a time. She could not give me a reason other than they rated this "High Risk".

Second time this week, denied business check. 1 at Harbor Freight and the other at Home Depot. This is a business check that has well over funds available for my purchases. I spoke with my bank, all is in great standing. It is the Telecheck services that is the problem. After I spoke with Telecheck regarding the first debacle at Harbor Freight, they told me this wouldn't happen again. Yet, It Did. Where is the attorney that wants to take on this Telecheck in a Class Action Lawsuit? I am first in line. If feel it is a scam to get your private information and then they deny the check.

I wrote a check to Fred Meyers gas; however, my husband had also done the same. There wasn't enough funds to cover my check so it bounced. The very next day I deposited funds into our checking account in which Fred Meyers then re deposited my check. It WAS PAID in full, I paid the $25 fee to my bank and that was that. This was 6 years ago!!! I still can not write checks now to anywhere that has Telecheck!!!

I wrote a check at Best Buy today. Despite having good credit, never having written a bad check, and plenty of money in my account that could have easily been checked, my check was denied. My son did not get the laptop he needs for college today. His girlfriend, whom I had just met today, witnessed the incident. I was made to feel like a CRIMINAL by the store manager at the Best Buy in Columbia, SC. I was told by Best Buy that "You can try again in 7 days" and that they were not required to give me any reason for the check decline. Will never shop any business that uses Telecheck. And will NEVER shop Best Buy again.

Just went to Walgreens to buy makeup for our dance company. I just opened a new account to keep our dance company separate from the main studio a few months ago. Myself and the studio have excellent credit and payment history and we were denied by Telecheck because it was a new business. Beware new businesses out there. It won't matter that that purchase you are making was for 2% of what you had in the bank; if you are new, you will be denied. Called Telecheck and they wanted all my personal information so they could build my account with them. I told them no way and hung up. Companies who use them are going to lose business because of them! Extremely angry right now!

On July 17, 2014 I stopped at my local Rite Aid Pharmacy in Morgantown, WV, where I'd been doing business for years, to pick up my prescription. I wrote a check for $44.00 and was shocked when the pharmacist told me it was denied! I'd never heard of Telecheck, and when I called the number on the "denied slip", the man asked me for my personal financial bank information and driver's license number. I said, "No way!" I had much more than $44 in the bank to cover the check (at least $4,000) and there was no excuse for Rite Aid not taking it.

Tele Check denied my check based on information guidelines that they would not disclose. This is the second time in one month this has happened. The first time I was told that he entered my information and it would be okay to use now. But when I wrote a check today, it would not clear. This time she wanted more information and demanded that SHE call my bank and ask questions about my account. I told her no, I would not give her the information to protect MYSELF from identity theft, I have used checks at that store before and I would NOT give her the authority to talk to my back. I also told her I AM AN EMPLOYEE OF THIS STORE. I think I may send a letter to the FBI so they can check into Tele Check. They are outsourced so I think for my safety I am done with any store using that service. Something is REAL fishy about Tele Check. They need to use a different service to verify checks.

I was in Redner's Warehouse Market today @ 2:00pm. I shop there ALL the time. I had forgotten my debit card, so I asked the cashier if I could write a check! She said of course! When I handed it to her & she put it in the register, it was DECLINED!! That wasn't bad enough....they did it again, and again it wouldn't take it. So I called my bank, they said they didn't understand my problem as I had over $1,000 in the account!

I spent 2 hrs in stop and shop. I did not have my debit card because the guy at the drive up forgot to give it back. So I shopped thinking, well I have checks. After 2 hrs I go into line, write a check for more to get cash back and it got decline?? So I said just put in amount for my grocery, that also go declined?? I have a fully stocked bank account so I called my bank, they said it is not them, it is TELECHECK that is declining me?? They transfer me to a barely English speaking person and proceed to tell me that my check has been declined due to I am a new customer and I have to build up my check amount. So I will not be able to purchase my groceries I spent the last 2 hrs getting?? They said you are a new customer and will have to wait. WAIT FOR WHAT!?? I have a fully stocked bank account?? There was no warning, no explanation and the manager said it would not be known until you present the check?? So I spent 2 hrs for nothing!! What is this, can I call BBB ? I am so disgusted!! If merchants are going to use this system, they need to warn their customers!

Was writing a check at Walmart and Telecheck denied my check and said I did not have the funds to cover the check. Next day went back to Walmart because the check they said wouldn't clear cleared and went to pick up a few things - check denied again. Took my debit card and paid for my transaction on the account that was denied. Call Telecheck again and they advised they called the bank and the check that wouldn't clear, still wouldn't clear. I explain to the rep that it had already posted to my account. She called the bank back and was advised that it cleared this morning. They proceeded to asked about the check I presented today that was denied and I use my debit card today. They have no clue as to what they are doing and I will not be doing business with vendors that use them.

I have a federal mandated ID, a CDL and my check was denied base that is multiple ID on account. How can it be when my ID is federal mandated ID?

I went to Best Buy to buy a washer and dryer. I am trying not to use credit cards any longer and wanted to write a check for $1500.00 for the washer and dryer. There are sufficient funds to cover this check. The check was denied and when I called Telecheck, they told me that I don't have a history of writing retail checks so they wouldn't approve the check. I asked to speak with a supervisor who told me the same thing and I asked her to resolve this by contacting my bank for approval so I could get the history of check writing so this won't happen in the future. She said they wouldn't do that so I asked for her supervisor and she told me they're all at lunch and no one was there for me to talk to. REALLY? They have no interest in helping the actual consumer, only selling their services to retailers so they can charge them for checks written. I have some future purchases but I guess I'll have to carry cash since they won't accept my check. I will also try not to patronize any stores using Telecheck.

At the grocery store, check refused because of TeleCheck. Wrong. But insisted I had a check returned. Wrong again. Offered current bank statement - nope. And now grocery store won't take my checks.

I have been using my checking account for 13 years with no problem or any wrong with my account. I have 695.31 dollars in the bank. They said they had no info on my account even though they have been taking my checks for 13 years. All I wanted was my lunch at the same spot every day for 11 years. I was embarrassed. Was asked not to come back to my favorite place to eat. Checked my check book balance. Called my bank. Everything matched. Called Telecheck with code3. And they treated me like I was a idiot after talking to a teal person. My check was declined for a error on their part. I asked when they would fix it. Lady said 30 days to 6 months.

This is my first experience with this company and it has not been a good one. I am at our summer home and went to the local Walmart. I wrote a check for under $200. It was declined. When I called Telecheck, I was told that I had written too many checks on that account. Imagine my surprise. It was not that I had not proved my identity or that funding was not in the account to cover the check or even I have a great record as a responsible consumer. Then a few days later, I went to Shopko. My purchases where just over $200. I wrote a check on one of our other bank accounts. Guess what? It too was declined. I even showed two current IDs and a slip from the bank to show there was funding in that account. The manager said she could not accept it because Telecheck had declined it.

I have had lots of dealings w/ Telecheck over the years. Every time I get a new checking acct or have a returned check, it takes a whole year to get stores who use Telecheck to take my checks without having every other one declined no matter how much money is in my account. Today they declined it at a Walmart that I write 2 to 3 checks to every day for years because it is a new acct and they won't transfer the information over from the old acct so they know my check writing patterns. They are usually rude and always give the excuse that the check fell outside their guidelines but they won't tell you what those guidelines are. They declined my check at another Walmart yesterday and when I called them, they cleared it and it worked fine. Today, they said they could not do it today.

Today I tried to purchase prescriptions at CVS for the amount of 39.46. When the check was turned down because of check information provided by TeleCheck, I paid by credit card and returned home. I immediately called the number given to me by the drug store. They asked for all kinds of personal information, first by automated process and then by interview, before explaining the problem. It seems that in 2009 two unacceptable checks were paid to Walmart using my driver's license # but not my bank. They have asked for a great deal of paperwork which I am to fax to them. They also gave me a case # and FAX # which I had to write down along with a list of copied items to include since none of this information would be listed on the affidavit they would be sending me. All of this sounds very fishy to me, but they have warned me that if I don't follow through I may have a great deal of trouble writing checks to many companies in the future. From the complaints that I have been reading, many businesses are indeed using their services. I am feeling very hesitant to share further information with them.

Telecheck has denied my checks even when I do not have any outstanding checks with them. They tell me they can approve it because they can't get a hold of my bank and verify funds. I feel it should be illegal for them to call my bank ... If it was to bounce ... then I understand they will take every legal action to get their $$ back.

I understand businesses need to be vigilant about taking checks in payment for goods, but they should also be accountable to their customers who are wronged by the TeleCheck system. The manager of SPECS LIQUORS in Galleria (Lakeway) gave me a phone number (1-800-366-5010) to call to "find out why my check was rejected." Turned out after entering endless keyed-in information, that number was for merchants only. They told me to call 1-800-355-2425 which supposedly operated 24/7. That turned out to be a debt-collection site that recommends that you go to their website for more information about "how to pay your debt."

I feel that Telecheck should be against the law. I have written 3 checks at 2 different establishments in the past month that have been flagged. They were not the only checks just the ones at AutoZone, who I have been a customer of for as long as they have been in my area and Kmart, once again not my first time. Telecheck has been screwing with my checks for the last month and there ought to be something I can do about it.

I lost my debit card and until new one comes in, I have had to resort to writing checks. I went to Walmart today to get medicines for my pneumonia, my check was declined. I tried calling the number given me and went through the automated process over 6 times and it kept going back to the beginning process. I couldn't get a human on the line to save my life. I left without my medications and am upset beyond belief. This is medicine I really need today!

My husband and I just returned from Office Max where they declined a check because of Telecheck even though I knew that there was more than enough money to cover the check. The cashier was rude, yelling across the store to her manager that the check had been declined. She gave no explanation as to why the check was declined and nonchalantly told us we needed to use another form of payment. We've shopped at Office Max for years but this will be the last time if they're going to continue using Telecheck.

I recently presented at Check at Walmart, who uses Telecheck for authorizations. After ringing up my purchases and running the check thru the system, Telecheck declined to authorize it. I called standing right there at the cashier and was told they could not accept my check because I had very little history with Telecheck. Because I had been using my debit cards, and after the holidays, got leery, and started writing checks, they could not accept it because I had not been a check writer at their establishments before. I was livid and make a scene because there was plenty of money to cover the check. I try to avoid business that uses Telecheck now.

We were at Bed Bath and Beyond, 3/19/2014. Had a load of items in our cart. The clerk rang them up, passed our check through the reader a few times. Had to call the manager over who proceeded to tell us that the company (Tele-check) refused to accept our check. She told us that we could call them, voided the sale, began to empty all our items out of the bags. When my wife called Tele-check, they told her they wouldn't accept our check because of too much activity on the account. We had just made a purchase at Buy Buy baby (owned by Bed Bath and Beyond) a few minutes ago. In order to make our purchase, I had to drive 1/2 hour home to get my credit cards, then 1/2 hour back to complete our purchase. My wife was mortified, because people were walking by her, looking at her as she waited with a cart full of items as she waited for me to return. I was upset, when they asked me if I had any other way to pay for the items, as the manager removed them from the cart and I had to inform her, I would have to go home.

I lost my debit card this morning. I went into another business today and I wasn't able to locate my card. Upon arriving to work, I received an e-mail that my card had been cancelled. The person who found the card automatically cancelled it. I remembered I had checks so I wrote one to Sprint. The check was automatically declined due to me not having a check writing history with them. This is so not fair. I work two jobs. I had 5 times the amount in my account for the check. I hate TeleCheck. This is horrible service. I'm so aggravated because we are scheduled to go on vacation tomorrow and I don't have a debit card and to top it off, my checks are no good.

After several years, I finally replenished my personal checks, this time with more attractive and stylish checks. I decided I would use my credit cards less and write personal checks more. Big mistake! My check-writing file is thin. According to Telecheck, with whom I became familiar on 02/12/14 when I attempted to write a 3rd check in one day, this time to OfficeMax for $20.62, it was declined. I contacted them and was told I present a high-risk because I don't write checks often and they have little information.

I ran out on a Sunday because my medication was to run out during the week. I ran out without my credit cards which I packed in my bag for work. I thought checks were still legal tender in the US. Apparently, not at Rite Aide. My check was declined because I do not usually write checks therefore I cannot. I had to transfer my prescriptions to CVS, which is higher and not convenient location wise. I also had to wait another 45 minutes. I'd like to charge these morons for the hour they wasted. Rite Aide just lost a faithful customer because of TeleCheck. I make over $115,000 a year and I can't cash a check for $50.00. Who ARE these morons?

Telecheck services lost a lot of money. I was robbed of old checks in a closed account. Woman who wrote them passed checks at Western Union Unsigned. I then went to bank & closed current accounts to be extra safe & share police report. TeleCheck cashed the checks anyway! HA HA HA HA HA HA Not my liability. Bank doesn't work with them. Account is closed, so I won't be writing another check. Again, you can't ever, and I mean ever, fix stupid!

How about it's about to snow here in NC and I was going to grocery shop but getting to the register and writing my check didn't turn out like I thought it would. My check was denied. So of course I got upset. All this time I've been writing checks and have no problem. Only with Wal-Mart, Piggly Wiggly and Food Lion. I was at Food Lion! Anyway, I came home and called the number to Telecheck. The person on the phone was telling me that my check was declined because my identification didn't match my driver's license which sounded crazy. Then they ask for my information and like a dummy I gave it... If they use my information in any fraudulent way, they will be talking to a lawyer very soon. I have had no problems cashing checks with any other establishments and I can't even buy groceries and money was in my account.... but it's all good. Telecheck can look for Better Business Bureau contacting them along with my lawyer.

Last week, I had misplaced my debit card and was forced to use checks which I rarely write. Friday evening wrote a check at a store I frequent regularly, check goes through. The next day, I attempt to use a check at another store I regularly frequent, it's declined for not having enough information. The generic force-fed responses that are completely illogical: no history no checks... Tell me how someone builds history without writing checks.... makes no sense to me. I asked for a supervisor, the cs rep argued that they wouldn't be able to do anything else so why did I need a supervisor. I was getting very agitated at this point because I was totally embarrassed by having payment declined and going in circles with a broken record.

I went to a local urgent care facility to treat a fractured foot. The facility was great, but payment wasn't. I never had an issue where a local business "refused payment" with a local check. This local business contracted the services of TeleCheck (based in Houston TX) to clear my local check. Upon contacting Telecheck, I found out that my payment wasn't refused for insufficient funds, It was refuse because neither I nor my financial institution was "registered" with TeleCheck. Until I registered, I was informed that no check, debit card, and credit card associated with this institution would be honored at this business. To register, I was requested all sort of Personal Information that, if in the wrong hands, could lead to Identity theft. I asked the TeleCheck personnel why they needed this and why local businesses were clearing local checks "out of state". I never did get an answer. To me TeleCheck is a front for illicit/illegal activities.

I was at a local grocery store (Hiller's Market) on 1/4/14 at 6:00pm. I usually use my credit card, but the store was busy because of a winter storm coming in, so I went to the line that was cash and check only. My check was rejected, I was in a line with people behind me, possibly even customers or potential customers of mine. The manager came over and they insisted I go to the customer service desk even when I said, I will just pay cash. It was the most embarrassing and upsetting experience I've had in a long time.

I've recently not only once, but twice went to Walmart to purchase food for my family and both times Telecheck rejected my checks. Both times check was reject for lacking cash checking history even though there was plenty of money in my bank account for payment. Then I spoke to Telecheck operators who sound scripted. Both time the operators were VERY unhelpful with my issue. I stood in line at Walmart for at least 30 minutes on the phone trying to solve the issue. I finally asked for a supervisor and after another 15 minute hold was yet another scripted person who even disregarded my old checking information I gave to them from my old bank. In the end I had to use my credit to pay for over 200 dollars worth of groceries!... I hate this company and we are reporting them to the Better Business Bureau (possibly not spelled correct).

Was turned down in writing a check at Giant Food because of excessive check writing even though we have plenty of money in our checking account.

We were denied a check at Walgreens (where we have an account) due to TeleCheck's profile. We went to the bank and they called TeleCheck to tell them we had plenty of money in our account. TeleCheck said it didn't matter how much money we had in the bank, their statistical profile found something else. The something else was that we don't write many checks (true) and we were trying to write 2 in one day. The fact that the bank said there was money in the bank meant nothing to them. They said we shouldn't write checks for 7 days (it's Christmas season!).

I went to the local Burlington Coat Factory to get a few stocking stuffers that totaled $33.65. When the clerk ran my check through, it was declined by TeleCheck, without an explanation on the receipt for the denial. I have never written a bad check in my life and knew I had more than enough funds ($4,500+) in my checking account, so I asked the clerk to run it again, but it was again declined. You cannot imagine my embarrassment as the other shoppers standing in line stared at me, probably thinking the worst of me!

I had 2 checks that I had written to Walgreens. Both ck's cleared yet Telecheck continued to run both checks through, at times 1 a day for a week, until much account was depleted..the creating a spiral effect. My bank charged NSF, Telecheck charged me 25$ for a "return ck fee" .. I have faxed all bank info to the compliance/dispute at Telecheck. Left many messages. I am getting no answers or help. This has been going on for more than 5 weeks. At what point can I like a lawsuit for reimbursement? I live in OK.

DENIED WITH CODE 3???? Never written a bad check in my life. Can't use my debit card or credit card. Went to grocery store - $152.00 - denied on credit or debit. Thank GOD, I had cash on me, but humiliating nevertheless. Called TELECHECK this morning, livid. They are in Dominican Republic!! So all that personal information they ask for?? Now is also a 'very good possibility' that your identity can be stolen from there!! Yeah, I know, computers, anyone can. Guess what? I have NEVER given my info to anyone over phone, nor do I use computers with it.

I went to my local casino where I write a check for the same amount every week and have for the past year. Last night I was denied. I called the no. for code 4 I was given, they told me insufficient information so I spent time updating info. Then they told all was well, I was cleared to cash a check. I went back in and it was denied again but this time, code 3. I called again, I was told I was high risk. I live out of a checkbook. I was livid. I called and talked to a supervisor. Basically she told me I was locked down for 7 days. I mean no groceries, gas, drug store etc... I am pissed.

At Walmart I attempted to buy an iPhone priced at over $500.00. I wrote the check for the purchase and TeleCheck declined the check. Calling TeleCheck was futile as they said I must develop a history with them. So here is what I learned from this experience. If you have shopped for years at a particular store successfully and they suddenly decide to use Telecheck's services they will decline your check that they consider "high risk" because you have not established a history with them. This is circular reasoning which, somehow, makes sense to them. You cannot establish a history if they decline your transactions!

I tried to write a check at JCPenney for $16.74. It was refused. I came home to call TeleCheck to find out why. They informed me that on Oct. 25 and Oct. 27 I wrote a check at another store and the bank said it had insufficient funds. I was like no way since my paycheck and my husband’s paycheck were both deposited on Oct. 24. The person said we tried to contact your bank tonight but they are not responding. I said of course not it is SATURDAY night.

I got 6 notices of a failed check on a 10/16/13 transaction - and I got ALL of them on 11/1/13. The transaction was with Amazon. I checked Amazon - all orders had been paid and delivered. They keep resubmitting whatever they have on a daily basis and charging me $40 for each fail. Only thing is: my account had plenty of money and all products were delivered. I never got a notice from Amazon that there was a problem. I'm going to let them sue me; my lawyer is looking forward to it. TeleCheck is an prime example of what's wrong with Capitalism run rampant.

Twice this week Telecheck flagged two of my checks, one at CVS and one at Walmart, just because I have a low rate of check writing history! I have over 9k in my checking account! Not fair. I called Telecheck and they said they can't do anything about this! CVS overrode the problem because they know me but Walmart would not accept my check.

On several occasions I have gone to Wal-Mart to shop for groceries. When I get to the register and write a check, Telecheck refuses to allow my check. I have called them and was told that there is no negative information on my account, that the system just refuses to allow me to write a check until I have written more checks. What???!?!?!?! Every time that is what I am told. When I point out the logical fallacy of circular logic, they are all apologetic and then tell me that they have no authority (or inclination?) to override this decision by their computers.

I went to CVS to pick up my employer's medications as I usually do each month. He always Pays with a company check. His check was declined. CVS was in shock because they know me and that I do this monthly for him. I have worked for this company for 47 years. The company has excellent credit and never has written an NSF check, and I might say has some 10 bank accounts including a savings with Wells Fargo worth well over 1 million dollars in our various account (not including payroll). With the declined check, I was given a reference number to call TeleCheck. I did this, and had my employer on the line. We got no results. We were told that they did not have enough history on the company, and they could not assure us that this would not happen again. It could very well happen again. Not enough history....

I have been shopping at the Meijer store in White Lake, MI since it opened - never had an issue writing a check for my groceries every single week until Friday Sept 27, 2013. My check was rejected - no reason. Went to the bank - sufficient funds in account. Paid for my groceries with cash, went home, called TeleCheck. 1st call, the reasons went from none to many. 2nd call, Meijer called and asked what the problem was - told I never used that checking account before (funny, same checking account for 20 years and 2 weeks prior wrote a check to Meijer for groceries with same acct - no problem. Found a check for Meijer back in May of this year - same account number).

Tonight my check to Walmart was declined (Telecheck Denial Code Reason 02). The thing is we write checks to Walmart every week without a problem. We get declined every other week. We call TeleCheck and they tell us there is nothing wrong with our account. They will not accept accountability and contact the merchant. The merchant will not call them. We are caught in the MIDDLE!!! In short, TeleCheck has WAY TOO MUCH POWER AND NO ACCOUNTABILITY! What do you do?

I get paid on a monthly basis, and at the end of August, I wrote a check to Walmart. It had to go through the bank twice. The second time, my direct deposit had come in, and as of 9/9, it was paid. I accepted responsibility for being overdrawn, and the $36 fee to the bank. On 9/20/13, I see that I am overdrawn again! However, I haven't written any checks, and I checked on my account that day and I was okay. When I looked at my checking account, I saw $30 fee for ISF from Walmart, and another $36 fee from the bank. I could not understand why they waited for 11 days to add on a $30 fee, and the bank was charging me another $36 for the same check.

My problems started on Sept. 14, 2013. I went to a Home Depot, making a very small purchase. Much to my surprise, my check was declined. I had the clerk run it a second time and it declined again. This is so strange since on Sept. 1, I made a small purchase at the same Home Depot and that check cleared. Anyway, I got home and made a phone call to TeleCheck. After 5-8 minutes of prompts and submitting all info related to my checking account, including driver's lic. number, I finally got to speak to a live rep, a foreigner to boot. What a shock! I had to repeat the same information.

I recently moved my accounts to a new bank and twice in the last week have had those checks declined by TeleCheck. When I called I was informed that "I had already written two checks this day," and that I "might want to consider another form of payment". Why do I have a checking account if I can't write more than two checks a day? Who do these people think they are? Nothing I know of says there is a limit on the number of checks one can write in a day as long as there are sufficient funds to cover them. Complain to your banks and the merchants using this system!!!

I've been writing checks at Walmart for a few years. I usually spend 300 to 500 dollars a week at Walmart. About a month ago, my check was declined. Luckily I had enough cash on me. So I called TeleCheck and was told my information needed updating. If any problems in the future, just have Walmart to call them. Everything was fine for the next 2 weeks at Walmart. So I had made a purchase on Friday night for $439.56 and on Wednesday, had to go to Walmart to pick up some things. Was denied again. I told the cashier what TeleCheck said and was told they could not call TeleCheck. I would have to later and if I couldn't pay with another form, I needed to move on.

I was writing a check because I lost my debit cards (which I have used there for the same account on many times) ... Check was declined. Knowing there was plenty in the account I had the clerk process it again... declined. I called my bank ... Same as a few others here my bank stayed on the line and we contacted TeleCheck... This is totally crazy. It was because I hadn't written checks and it was unusual activity ... I WILL NOT GO TO WALMART EVER AGAIN. In fact I will not use ANY BUSINESS THAT USES TeleCheck. I can only imagine what it would be like if I were to have been stuck on vacation and lost my debit card. If they are going to do this, then they should have a way to override the system.

This business sucks!! I live in a small town and I had my checks denied at least in 4 places in town. I had no idea what was wrong. I spent 2 weeks getting this mess straighten out. My bank said it was not in their system so to call the number on the denied receipt. I did for at least 2 hours every day. I NEVER talked to a real person. I tried and tried. Finally I went back to the bank and they had a way to contact someone and they told them it was just a mistake on their part. A MISTAKE really after embarrassing us in town and they say sorry it was a mistake, well that is not good enough for me! I will call every day until I speak to a real person, if they even hire people, and demand some kind of compensation for their stupid mistake! I will get a lawyer if I have to - this business should be shut down!!!

I am a 84 year old lady.. This company makes it very hard to even pay the checks... First you have to call to get a copy of the check.. then mail the payment back to them then call them back to see if they have gotten the payment.. then call back to see if you can now cash a check... Each time you have to wait from 20 to 48 minutes to talk to someone that may or may not be able to help you, then you have to call and wait some more (start all over)... Very bad business.... I say the world has gone to you know where.. No one knows how to do a job any more. It would be better to just pay the $35.00 at the bank if you have a returned check... Oh the bank never did find the checks that the Telecheck said I owed.. I paid $256.00 for #1 check $16.00 at TSC store, #2 Check $96.00... My checkbook has never went up that high check #** and #**... I am on check #** now... I went on and paid them so I can hopefully, maybe cash a check now.. I want now, tell I try next week... I don't like this kind of business... Bad, BAD, bad..... business.

I attempted to write a check at Walmart and was declined and called these TeleCheck people and they said I had an account with a bank in a city that I had never been to. I was concerned that I had been a victim of identity theft because it was the holiday and the banks were closed. I pulled my credit report and there was nothing there. The next morning, I call this bank. They have no record of me anywhere by name or social. They were nice enough to stay on the phone with me while I called TeleCheck back to tell them that the information they had was not valid. They told me it was reconciled the same day I called but I asked for a manager because someone has messed up and this may mess up my payments that I use checks for auto-deduct. They told me I could not speak to a manager and gave me the run down on how things work. I do believe they need a lawsuit. I am going to look into it.

I've always been a responsible customer and wrote checks in good standing. I do most my banking with a community credit union. I have virtual no debt and use cash a lot of the time. I have a responsible job, and good credit history. Recently, I was denied two days in a row at a Meijer's store in southern MI from writing a personal check from my credit union for over three hundred dollars. The first time it happened, I had a full cart of groceries and after waiting in line for twenty minutes the store clerk told me my check had been denied. I asked why, and she couldn't tell me. I said, "I write checks in this store all the time, sometimes several times a week for two hundred dollars or more." I said, "I don't understand, I have plenty of money in my account, and I've never written a bad check." I asked to talk to a manager, and was told it wouldn't do any good, they couldn't override the TeleCheck system and accept my check.

I wrote a check for $81 at the grocery store and was denied. I couldn't figure out why and I was assuming that the girl at the register was doing something wrong (I even complained to her manager). Now I see that it was TeleCheck system that was the problem. If they claim to provide a service and they are not providing that service, then they do need to be sued. I was so humiliated and embarrassed.

TeleCheck is now authorizing the funds from your bank account. If the salesperson/cashier from the store runs your check through the First Data machine multiple times, the money is temporarily taken out of your checking account multiple times, and then ISSUING CODE 3 DENIALS OF THAT CHECK. When asking Wells Fargo Bank when the Authorizations will drop off, they inform me when the check clears, or up to 5 weeks if the check doesn't run the ACH course through banking system. When I called TeleCheck to see about getting the funds de-authorized and put back in my account because they TOOK MY MONEY AND THEN TOLD THE MERCHANT NOT TO TAKE MY CHECK, they informed me that it would cost me $150 in processing fees to circumvent the standard procedure. This is EXTORTION plain and simple. Where is TeleCheck/First Data headquarters? Where is someone like Timothy McVeigh when you need them?

I was writing a check at AutoZone for $29.21. The check was denied. I called TeleCheck at the store. I had already gone through this at Walmart. I called and was told that my checks would clear. I am writing checks because someone stole my debit card info from Harbor Freight. The person from TeleCheck made me read all of my information from the check as well as my personal information in front of everybody in line which means everyone in line has all the information they need to write checks in my name. I had entered my info on the phone 4 times before I finally got to speak to someone. I would like others to join me in a class action suit against TeleCheck.

I went to our local Walmart store to make a fast purchase like I've done hundreds of times before. When I got in the check-out line the cashier asked if I wanted to open a credit card with the store. I politely said no thank you and proceeded to write out a check for my $37 purchase. The check-out clerk then put my check into the check reader then told me “your check has been declined”. I couldn't have felt more embarrassed. I then asked if she could re-enter the check knowing that there was enough money in my account to purchase any item they had to offer in their store. Same response, declined.

Walmart and Family Dollar both denied my checks for no good reason! It was embarrassing because people were probably thinking I was trying to pass cold checks! I was forced to use my debit card, and I don't like to use it too much, to avoid criminal clerks from stealing my card info! I called the bank, and I had plenty of money in there to cover these small checks for under $10.00 each! So I called Telecheck, and they put a "Code 3" alert on my check writing capabilities! Why? Because they said I was writing too many checks! Who cares? What business of is that of theirs? If I have the money, I should be able to write as many checks as I want! I have never bounced a check in my whole life! Not once!

Over the years, we have spent hundreds of dollars a month at Walmart. Over the past couple of months, after spending an hour or more shopping, waiting in line, then being presented my total at Check Out, my "good" checks have been DENIED! This is the 2nd time I have been denied by TeleCheck! I told Walmart to bill TeleCheck for having to re-shop ALL the groceries and I had to go to another large grocery retail store to re-shop all over again... and with NO problem. Our money will now be spent at stores OTHER THAN Walmart.

Twice I have gone to my local Walmart to buy food and twice my check was declined, and twice I left without food, and twice I felt like the lowest piece of dirt on the earth, and the Walmart store employees belittled me and made me feel like I was a horrible person. Then I called TeleCheck twice about the declined check tonight, and there was no reason for the check to be declined. So I am afraid to even go back to Walmart for fear TeleCheck will do the same thing again, even when there is money in my account. What can be done to compensate me for the hell I have been put through because of TeleCheck?

I have been a customer in good standing with over a year established history both with my bank and with the merchant (Nextel). I have NEVER had any bounced checks or any issues of that matter… However, in June 2013, when I made a payment of $101 by check to Nextel, I was denied (code 03). Nextel gave me Telecheck System # to call and have them remove me from "the list" since I checked with the bank and I was absolutely fine on the bank’s end and they saw no reason at all I should have been denied my payment by check. I called Telecheck multiple times. I was hung up on a few times when asked for supervisor, was given the runaround a few other times, and was told that I was "denied because Telecheck has no information on me." I asked what exactly does that mean.

It happened to me at a grocery store. It was embarrassing! I did not have any return checks or anything negative. Just "their" decision not to allow check to be approved.

So this is my story. My check today was declined at a car dealership without any explanation. I tried to find out the reason behind the decline and was told that there was nothing wrong with the check. There is nothing that Telecheck can do to fix it. Come on, you are playing with my money and don't have anything to fix it? You are not the one who is facing the embarrassment in front of a merchant. I am. Here's my experience with your customer support: 1st call, gets magically dropped by the rep. 2nd rep (Ruth - employe ID #**) says there was nothing wrong with the check but cannot do anything about it. 3rd rep (Supervisor Kat - employee ID # **) says that she does not have access to call or email my merchant to say that there is nothing wrong with my check.

I wrote a check to Sam's Club and it reached the bank before my deposit. They redeposited my check a week later and it was paid. My problem is they charged me a fee of $32.48 which they deducted a few days later from my account. I was not aware that this fee would be charged as the redeposit cleared the check. This is the first time a redeposit charged me this fee.

I went to Cavender's in Abilene, TX, and was declined for $24, so I thought "Okay, I will pay for it with cash," thinking they had a glitch in the system. So the next day, I went to Walmart in Eastland and was denied again. I then turned around and used the debit card off the same bank account. That's funny, because it went through! Why does TeleCheck get to determine anything? Undoubtedly, they are not the smartest people to have dealing with check writing. I think we, as a people, should just do away with checks and only use cash and cards. Maybe that would fix it. We have not called them yet due to my husband being on jobs. But I guess our turn for runarounds is coming.

I got a loan from Telecheck back in December of 2012. I have had nothing but continuous issues from them since then. I wrote a check and it did not clear because of other personal reasons. So I immediately contacted Telecheck about it and tried to set up a payment arrangement. I was declined. I continued to call back to set up a payment arrangement and they continued to decline me. I then began to receive phone calls from their collections department about the debt and that's when my experience became pure hell. The ladies were rude and unprofessional. They continued to call, bully and belittle me over the phone. They threatened me and then made notes on my account that I refuse to pay the debt.

I wrote a check that was submitted to my bank twice. I filed a dispute with my bank that reversed one of the charges. Then, I got a notice from TeleCheck for an unpaid check. What? All I want to do is show them proof that the check # was paid. It took two days and many different 800 numbers to get a person on the phone. Once I did, the only option of communicating information to them is snail mail or fax. What? They want my checking acct and routing number to an unsecured number. But what choice do I have? For merchants trying to decide whether or not to use this company, please don't!

Someone stole a check out of my check book and cashed it at the grocery store. I was in shock when I found out, but I thought the people would surely get caught because no one can cash a check without an ID; or so I thought. That whole idea really did not make sense either, but I still related an ID with a check. The bank told me it went through an electronic system and the people still had my check. This just made it worse, and I never imagined what I heard next. A grocery store manager told me that the person that stole my check did not need an ID. They just filled out the check, and it was put through a machine. The money was in the account, so the check is good.

I went to Harvey's store in Baxley, GA on 5-6-13 and wrote a check for $57.04 for food. My check was denied and to call an 800 number. I went to my bank to see what was wrong, that my check did not cash at the store. The bank talked to a man named Shawn, as well as myself, and still don't know why the check would not go through Telecheck. All he told us is there was another DL number on our check. The woman at the bank told him me and my wife are the only two people on the account. As of now I cannot cash a check unless I go to the bank or a store where transactions don't go through Telecheck.

I work for a non-profit, and we had received funds up-front for a grant, but we also have not bounced any checks in about 20 years. But when we sent an employee with a company check to purchase office items at Office Depot, TeleCheck declined the check, and gave us a Code 3 without telling us why it was being declined. I tried to contact them, and got a run-around. When I looked at their website, they don't look to see if funds are available to accept the check; they don't look to see what the credit rating is. So it was a waste of a trip for the employee, and then a continued waste of time for someone with a company credit card to go and purchase the items necessary. TeleCheck needs to change the way they do business before they put the companies they're supposed to be working for, out of business.

I wrote a check for $400. Okay, no problem, right? Wrong! When they (TRS) processed the check, the check went through for $800. Omg, that messed up my account by $400. Needless to say, I went straight to my bank and the bank corrected everything. I filed a claim with my bank and the bank credited the $800 back to my account. I should have closed my account right then and there ... And then TRS debited my account again as an EC Adjustment for the original $400. I filed another claim with my bank for the $400 (which the bank fixed), because I just feel like this was TRS' error and they first should have notified me of their error and proceeded from there. I am so angry with Telecheck and this TRS. No more checks for me and no business with businesses that use these morons. I am currently filing a dispute. Anyone out there know of the legal aspects to this situation.

I was denied purchasing groceries from my local Stop and Shop because they claimed I've had too much activity on my account! (I had made a purchase at Home Depot for $49. 85.) The year before, they purposely bounced all of my checks, charged me over $175 in fees (this was more than the purchases made) and block all activity to the account. The bank holder that I dealt with was very apologetic and paid all of the fees only after I showed proof of paying them off with money orders! I was so disgusted I locked the checkbook away and did not use it until a year or more later. Now, they are doing it again.

I attempted to write a check yesterday for $60.00 to Market Basket. It was denied with a code 4. When I contacted Telecheck, the lady informed me that her system is telling her that my check did not clear. I told her my check did clear because I was looking at my bank statement. She told me that I would have to call my bank tomorrow (Friday, March 15, 2013) when they open. I called my bank today. My bank told me that all my checks have cleared my account. I called Telecheck back to get the block off of my checks. I was told by a man that works for Telecheck that the checks did not clear for $210.00. I told him that my bank informed me that all my checks cleared. The man still refused to take the block off my checking account. I asked to speak with a supervisor. I was told that he was at a call center and no supervisor was available to speak with. He states that I would have to get my bank to send him the canceled checks. I do not appreciate Telecheck and the employers putting blocks on my checking account and refusing to take the block off even when the bank is telling them that my checks cleared. I feel TeleCheck's business practices are discriminatory against me and other.

I wrote a check at Sam's Club where I have been shopping for years and writing checks for years. I wrote the check on February 22, and last Friday I received a notice from TRS Recovery Services that I had an unpaid electronic fund transfer, and that I owed them the amount of the check plus $25. My husband immediately checked our bank statement and it showed that our bank paid the check on the 25th and then Telecheck sent the money back to the bank on the 26th. This is clearly a scam to get money out of people that they don't owe. I contacted the Sam's Club store where a woman in the finance department informed me that it was none of their business and that I needed to contact Telecheck and dispute the claim. She gave me a number, where you are given another number by an automated answering service.

After reading all of the complaints, I see I'm definitely not the only one with this problem. I opened an account the first part of February. Other than bills, I have written only 5 checks to grocery stores, etc. Yesterday I wrote a check to Family Dollar and was declined. After making a ton of calls, I was told I was a risk because I had written too many checks since I opened my account. Duh, I haven't received my debit card, so of course I'm writing checks. I do not carry a lot of cash. I have tried a ton of numbers, and like everyone else says, you get absolutely no one to talk to. I have high blood pressure and anxieties, and things like this do not need to happen to me. I am furious. Who has the right to tell me how many checks I can write when I haven't written any bad checks? If I have the money in my account, then I can write checks. I am so tired of this world today, where people can dictate what we can and cannot do. I'm still furious and I want answers!

Being a customer of Sears for over 30 years and paying for purchases with my personal check, it took the teller almost 30 minutes for Telecheck to accept my check! How frustrating! This company needs to work out its problems and fast. I have never had a bouncing check and it was embarrassing to say the least. When teller tried 5 times to call the promo #, he said he couldn't get through. This company needs help or just go away and get a company who knows what they are doing.

Last month, I filed my income taxes via a certain online program that shall remain nameless, as I have done every year for something like the last ten years. The requisite charge for the use of said program was $19.95. It was not a problem... yet. At the time of completing my return, I was unable to locate my debit card (which I routinely use for everything) so I reached into the desk drawer for the checkbook, dusted it off and tapped out the routing and account number for an electronic check for this fee. Thus began the nightmare that is the essence of this complaint.

I have been saving up and looking for a TV for the past year. I finally found the make and model I wanted on sale at Best Buy. I negotiated a fair price for the TV and the surround sound system, including services & cables. When I attempted to pay via personal check, it was declined by TeleCheck. I spent half an hour in the store, on the phone with the company, and they essentially told me their policy was to reject checks for such a large amount, if they have no history of my prior check-writing past, even though I constantly write checks for utilities, rent, etc. I had over 10 times the amount of the check in my checking account alone and my income is in the high five figures - no outstanding debt or balances on my credit. It didn't matter. I had to apply for a Best Buy credit card, which was approved in less than one minute, with a maximum limit well over the amount of the check. I will never again do business with companies that use TeleCheck.

I went into my neighborhood Food Lion, where I have been writing checks for over 10 years, only to have the check declined! Imagine my surprise, when I just got paid that morning and my account had well over 1500.00 dollars in it. The cashier could not tell me why it was denied; and since I do not carry cash, I had to leave and go to the bank! I called the 800 number and all I got was an automated system that asks you for your account information, which they should already have, since they declined my check!

My family and I went to a grocery store today on January 27, 2013. I recently tried to change my PIN for my debit card and was awaiting a new one, so decided to use a check. This store used Telecheck, which I have had no problem with before. Today, I was declined a check for $216.79. I had the funds in my account. I called TeleCheck and was told that "risk factors" proved to be the cause of my declined check. I couldn't get any more information than that, except that each purchase with TeleCheck is evaluated for risk factors including spending history. Who cares if I have spent that much money in the form of a check? Who has the right to evaluate each individual purchase I make? I had to return a full cart of groceries and tell my son that he couldn't have what he wanted until my new debit card came in.

Okay so we have been purchasing fuel with a check for a very long time and at the same place. We've never been declined nor have there been any reason to decline our check or us. Yet, today, husband went to fuel up and wham! He was refused or declined. The lady looked at him strangely, because she has seen him/us in there for a long time. And this was quite embarrassing. However, hubby had to leave. Lucky for him, he had twenty bucks to cover some fuel. I mean, really? Who are they to decide that we are a risk? We always have money in the bank, never carry cash, and never bounce checks. Yet they flagged us? Telecheck should be sued. I called the number on the back of the check. Guess what? All I get is a really fast busy signal like it's a bad number. I never get a ringing. This is a joke. I can't even talk to a person. So I have resorted to looking up other numbers for them online. I will hire a lawyer if it becomes necessary. I will not allow Telecheck (whoever they may be) to rub our good names in the dirt.