Telecheck Reviews

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.

Like several others, I too received a denial with code 3. I talked to a support representative and found this effectively means their system does not have sufficient background on my account and its history. As the rep noted, it is the policy of the system. They have no way to add rules to the system policy when such evidence is presented. Rather, the policy is based on check writing history and computer logic alone. Hence, if you have no history in TeleCheck's records, the policy doesn't allow you to create one, at least, other than the exception of a history of denying checks.

My doctor’s office started using Telecheck recently. When I tried to make my copay on the way out, it declined the transaction. Code 3 was what it said. I called Telecheck and they said that the problem was that the checks were not in sequence. I told the operator that of course they were not as my husband has one check book he writes out of and I have another and not only that, it did not make sense because some of the checks we write do not go to people who use Telecheck. So then I asked them if they had access to my bank account records because they certainly would have no way of knowing the sequence of checks since not every check we write goes through Telecheck.

Telecheck - My doctor’s office started using Telenet recently. When I tried to make my copay on the way out, it declined the transaction. Code 3 was what it said. I called Telenet and they said that the problem was that the checks were not in sequence. I told the operator that of course they were not as my husband has one check book he writes out of and I have another and not only that, it did not make sense because some of the checks we write do not go to people who use Telenet. So then I asked them if they had access to my bank account records because they certainly would have no way of knowing the sequence of checks since not every check we write goes through Telenet.

I tried to write a check for gasoline, knowing full well that I had the funds in the bank. I had no other way of paying for the gas. My debit card had been stolen. My check was declined and I got the customer service people. They have no way of overriding the system to allow the check. That is a major flaw in their system. The only reason I was declined was because I hadn't written a check at a Telecheck client before. I will never do business with any company that is a client of Telecheck. I will ask every business I enter who they use to verify their checks. Horrible!

I went to Best Buy (11/25/12) to buy some DVDs and a CD. I wrote a check for payment which was declined. The reason, I was told, was that I didn't meet guidelines through TeleCheck. To give a little background to this story, it was back in August that I was checking on my checking account when I realized that there was a purchase made at a Walmart in Lancaster paid by check. This Walmart is 70 miles away from where I live. Not only one check was written but 2 for the exact same amount in a 24-hour period. I went down to the bank as soon as it opened and closed the account.

I received a statement in the mail stating that I wrote several hot checks to Walmart, Kmart, and the General Dollar store. The statement had my last name misspelled. Correct spelling of last name is Byrd. The statement said Bird. My first name, and address was correct. I contacted my bank and told them that I had received a notice from Telecheck that several checks had been returned and my bank stated there were no checks returned. I contacted Telecheck. I was asked for my reference number. I gave it, then I told the lady that the last name was misspelled on my statement and that I hadn't been to Walmart, Kmart, or the General Dollar store to write any checks, but I called my bank anyway. They told me that no checks at all had been returned.

I moved home to WV, opened a new bank account and was denied a check for $18.90. The clerk gave me the telecheck number. They told me the account has too little history. Shame on Walmart. This nasty company telecheck does way more harm than good. Please file a complaint in every state.

I was just denied a check at Food Lion in the amount of 98 bucks. I've been writing checks from the same bank and at the same Food Lion for over 20 years without any problems. I called the TeleCheck customer support center, which is obviously located in India, and they just wanted all of my personal bank account information before they would answer any questions. This is a scam of colossal proportions. Their "pattern analysis" algorithms are a pathetic joke and absolutely do not work. If I need to write 100 checks in a day, then I need to and I will. My pattern of check-writing hasn't changed a bit in over 10 years (about 10 checks a week).

I just finished writing my complaint to the BBB. TeleCheck declined three checks in three days at different locations that I shopped at. I ended up using a debit card from a different account and transferring the funds from the account that they rejected. What kind of company does business like this? If my company used them and the best they could tell me was that a transaction was "risky" because of the amount, I would have to find a different way to verify payments. TeleCheck is a bad company doing bad business!

I have gone through what everybody else here has gone through with TeleCheck with one difference. After submitting a complaint about the company to the Better Business Bureau, I got almost immediate action. TeleCheck called me requesting I call back to discuss the BBB complaint I'd filed. They said all I needed to do was have my bank fax them a letter saying it was a bank error and they claimed that they will reverse my "check writing rating" to where it was before this travesty all began - which is, my checks were accepted everywhere. My bank faxed the letter today and so we will see if what the person on the other end of the phone said is true or not. I will try to write another check to Drug Mart, where I've been writing checks for 30 years and see if it will be declined. If it is declined again after all of this, I'm hiring an attorney.

I just tried updating my auto withdrawals with Sprint from my old account to a new one. I was declined. I then tried my debit card. I was declined. Sprint told me to reach out to TeleCheck. I called TeleCheck but had nothing to reference (because Sprint wasn't given any information, just, "declined. Call 877-678-5898"). So, I ended up pushing a bunch of buttons for 20 minutes until I got someone live. The rep told me the reason I've been declined is because they do not have a history for me, so I will need to establish one before they will allow me to have auto checks. I've never had this problem before. I am so irate. They told me that I should just write "smaller" checks until I establish good credit with them. Are you kidding me?! I'm not 18 years old with a new account! I have excellent credit and want to know what gives them the right to stop me from making a payment! Seriously. I've never had this happen to me in all my years of having an account. What is going on! Something I thought would take 5 minutes has taken over 2 hours and it's still not resolved.

I wrote a check at the Puma Store in Gilroy and the check was paid by my bank. I received a collection notice for the paid check from TRS Collection which claimed the check was returned, unpaid. I contacted TRS and they were the worst example of customer service I ever experienced. They made a mistake, but they treated me like a criminal and refused to correct it unless I sent them the amount of the check plus a collection fee. I am over fifty years old and I have never bounced a check. I work extremely hard for my money and I will not be bullied into paying what I don't owe. I contacted Puma and they found that my check had been paid electronically and TRS Collection tried to put the check through a second time as a paper check and it was returned because it had already been paid.

I attempted to write a check today for $12.36 to Family Dollar. It was denied. When I contacted TeleCheck, they told me because I had already written three (Omg!) checks at other merchants using TeleCheck - two at Walmart and one at Walgreens in the last 7 days. The total of those three checks was less than $60. I currently have over $2,000 in my checking account. I refuse to use a debit card to avoid someone tapping into my account, and I try to be fiscally responsible and not use my credit card needlessly. I don't believe it's safe to carry a lot of cash. I am 53 years old, have had a checking account for 40 years, and haven't bounced a check in 30. I live in a town of 10,000, so our choices of stores isn't vast. The next larger city is 100 miles away. I run a business out of my home and this is my busy season. I feel TeleCheck's business practices are discriminatory against older people who do not believe in debit cards.

I wrote a check for at the Woodstock CVS in VA for $51.42 to pick up 3 prescriptions as needed for medical reasons. My check was declined by TeleCheck and the clerk stated that she had never seen this and didn't know why. She gave me my check back along with a register receipt showing the name: CVS/pharmacy, dated August 13, 2012 7:04pm with TeleCheck logo and a brief Dear Customer note, Reference Number: **.

Somehow, Amazon processed my checking account number with the final number missing. My $50 item was never paid for because the checking number wasn't valid. I spent weeks trying to sort this out. After TeleCheck mailed me, I called, and was told that they "fixed" my account number and resubmitted it and I didn't need to worry. During this time, someone from an obscure town in Arden/Banner Elk, North Carolina started checking my blog 3-4 times a day, like clockwork. These referrals were coming from my LinkedIn and I was a little stumped about who it was.

In May, I got a prepaid cell phone. I wrote a personal check for over $50.00 and had no issues. I went to the same location to pay in June and got a code 3. I was in the merchant facility and was on the phone with a TeleCheck customer service rep for almost an hour. He updated my information. I asked if I was going to have this problem each time I tried to make a payment. He said that he had fixed the problem by updating my info. Today, I went back again to the same location in the merchant business to pay the cell’s bill and got a code 3 error again. I called from the merchant’s phone and was on the phone for almost an hour. The call was dropped and the bill never got paid.

I have been turned down at Wal-Mart as well by TeleCheck. What a joke. I always have money in the checking account. My checks have been turned down by Dollar Tree, Family Dollar, and Rite Aid. I have called TeleCheck twice regarding this and both times was greeted by someone quite rude. And has this problem been resolved? No, they were of no help. What a joke TeleCheck is. Shame on them.

CVS would not accept a personal check for heart medication. They gave me a stub with Telecheck information. I called. The bottom line was that although Telecheck had cashed 3 other checks at other merchants (no problems), they balked on cashing this check because they did not have enough information. They had enough to cash 3 previous checks. They said they evaluate each transaction individually, so there is no guarantee that their algorithms won't decide to balk at processing a check for some non-reason. I told CVS management that I would stop doing business with them if I'll have this problem again. I think Telecheck is taking advantage of their processing power to mine data for resale. I think I was refused service for no reason and had to spend my own time to "educate" Telecheck. This should be unethical, if not illegal.

We are a small non-profit company. We have a good credit history and plenty of money in the bank, yet we get declined on a regular basis at various vendors. And it seems to have gotten exponentially worse over the last 6 months. We've been declined for numerous reasons, including the famous "falls outside of TeleCheck guidelines.” We got declined yet again today, this time at Sam's Club. When I called TeleCheck, after entering in all the requested check data, a man comes on and tells me that their system is "updating" and I would have to call back later in the afternoon.

My husband wrote a check to Wal-Mart and the check was refused and receipt from Telecheck was given to him with a number for him to contact them. We have never had a problem with our checking. He went immediately to our bank and they confirmed that there was no problem - money to cover the purchase and no outstanding checks. We don't write bad checks. We could not get them on the phone but our bank personnel did. It seems that we are being blackballed because of someone else's bad check on our record. I thought it is not our bank account number nor our check or signature.

I had a check for $81.45 denied but have more than enough money in the account to cover the check. Fearing someone was writing checks on my account, I went to the bank who confirmed that indeed, I had a healthy balance and no one was writing checks on my account. When called, TeleCheck would not give me the merchant or my bank’s reason for denial. Yes, I did have the bank called. Finally, I talked to a representative who would only say a mistake was made and that the merchant should bypass their system or I should pay by credit card when that happens. Indeed, this company forces one to use a credit card or cash. I think legal action should be pursued against this company. They are not forthcoming in their actions.

I am a veteran that spent 4 straight years overseas. I returned only to fight colon cancer and chemo. Upon re-entering the financial world, I opened a new checking account. I have no bad checks and have money in my account, but I’m still denied for lack of history. I have spent several hours on the phone with TeleCheck’s customer service reps, supervisors, cooperate customer service reps, a service manager and a manager over that individual (supposedly). After useless hours on the telephone without resolving this situation, I did some research. I thought how someone with no history would build a history if every check is to be declined? My first thought was to quit doing business with merchants that use TeleCheck. Good luck. Then after research, I found a very interesting link: **.

I opened a new account last month for a child. I wrote a check at Kmart for over $300, no problem. I went to Wal-Mart Sunday, the check was denied for $129. I went to Payless on Sunday and AC Moore on Monday, no problem. Yesterday at Kmart, I wrote a check for less than $90, it got denied. What?! I just called and the rep wanted all names on the checking account, full address, phone number, routing and checking account number. I told her that this is just too much information to be given to find out why my checks were denied. What is the purpose of the 7 digit code?! I said, do you want my birth date and social number next, and then you will have all my info? The rep who was speaking through her nose, said "Ma'am, we are following the law!" I hung up. That is just too much information to be asking for you to tell me why I can't write a check from my own account! Here we are trying to protect our identity and TeleCheck wants all your info. Really?

I went to Dollar Tree today (3/7/12), wrote a check for a grand total of $7.36. The check # was above 3000 and stop in there quite a bit since it's convenient. No reason for it not to go through, but instead, I left the store with only a card with TeleCheck’s number. So I got to the car and called them and got the excuse of high activity. What? I tell you what, if I was a crook and was doing something fraudulent, I wouldn’t go to the Dollar Tree and buy toothpaste and shampoo.

Dropped the Ball - My business account had been compromised as checks were stolen. I promptly followed up on all paperwork: police report, forgery affidavit, etc., and had all the needed info updated with TeleCheck by August. Six months later, there is a hold on another business account that I have and they are wanting me to submit all my information all over again, resubmit all paperwork. This is less than professional!

Same experience, different location. Check declined at register. I spoke with two different people at TeleCheck that gave the same answer that everyone else received. There was excessive activity, different pattern, blah, blah, blah. There has to be something that can be done about this. I pay by check; I do not overdraw my account or write bad checks. The fact that my check was declined based on any information other than that should be illegal. TeleCheck's mumbo jumbo answers are unacceptable.

One week ago, I went to Wal-Mart to purchase a laptop. I picked a cheap laptop, and my payment was denied. You could have pushed me over with a feather. This was not the first time that I had written a check from this account to this vendor, and my account balance was nearly six times the amount of the purchase I was trying to make. The clerk tried everything that he could think of, from rerunning the amount to me, using all of the cash I had on. I was going to use to pay another bill. At this point, I was paying 85% cash, and they would not even approve a reduced amount of $100.00. This process was time consuming, frustrating, and embarrassing, and still 45 minutes later, I left empty handed.

I presented a check to Best Buy and Telecheck declined it. When I called, I was told that it failed to meet their guidelines. Telecheck could not tell me which guideline I failed nor would they approve my check.

On February 12, 2012, I went to Wal-Mart to get some things for my children and TeleCheck would not allow the check to go through. I did not have any cash on me. We had to put it all back. I could understand if there was a problem with my account but there is not. I do not feel like I should be limited on transactions. I called the 1-800 number only for them to tell me it was to due to high volume of activity. It is not any one business. How many checks I write or what for or the amount? I was told that everything was ok and I could go present check the next day and again it was declined. I don't feel like there should be a limit put on the transactions I can make. It is my money.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I went to replace a cell phone. Wrote a check for $173.63. Telechek "denied" the check. When I called their 800 number, the woman told me that I did not have enough activity, therefore, my check was declined. How humiliating and embarrassing. I have more than enough to cover that check in my account. You cannot tell me that people don't look at you and think "yeah, right, lady". I asked to speak to the woman's supervisor, she told me that all supervisors were on the phone and unavailable. Very convenient.

I went to Sam's Club to get a refund for an item I didn't like. They cannot refund the amount to my SC CC because Telecheck says so. WTF? I can't get a refund? So I called the local Sam's Club and finally spoke to the club manager, after talking to a person in accounting and making 4 calls to Telecheck's various 1-800 numbers which all took me to the same menu with the same roboperson.

This is the second time that TeleCheck has told their system purchaser to refuse our check. We have zero history of any checking irregularities in 50 years and we even provided all the necessary documents required by the vendor. TeleCheck, in my opinion, should be shut down.

I never heard of Telecheck until today. I don't usually write checks, from the checkbook I was using, in stores. Today, I wrote 2. The first one, presented at Walmart in Manville, was accepted. The second, presented at K-Mart in Somerset was denied. I didn't even know a check could be denied. My purchase totaled approx. $240.00, I had $7,000.00 in the account, I had all the proper identification, but it was no good. I was furious. I called Telecheck, while still standing at the checkout, in order to rectify the problem.

Well it all started on May 10, 2010 when I went to Office Depot to purchase my computer. I wrote a check for the purchase and it was denied. I had all the money and then some in my account but they stilled denied it. At that time I had to ask the manager to put my computer on hold and then drive out of my way to my bank to get the money (thank god they were still open) and then drive all the way back to

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

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

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

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

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

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

On Friday, December 18th, 2009, I attempted to pay one of my wholesale vendors with a company check as I have done every week for the last 5 years, nearly $500,000 in checks written to this vendor in the time frame and I never had any issue ever! On this morning, I hand the check as I do every week to the cashier and she proceeded to process my order paperwork as normal. The check was for my purchases of $1702. She then ran my check through a device which was a new step in the process and handed it back to me stating that it had been denied. I asked why. She stated that TeleCheck services had denied it. I asked again for a reason and she stated that she did not know. The system told her it was a Code 3 denial and that if I wanted more information to call an 800 she handed me. She also stated, "If your checks are denied, it is a new company policy that you would have to pay in cash in order to continue doing business with this company."

I had a check declined at a pizza place on 12-9-09. I usually use a card but left it in my other coat at home. So I was very surprised among other things when the girl came out to the truck after I was already in gear. She had this little slip and said the check was declined. I had plenty cash on me to cover the bill plus the tip thankfully. Guess I have been under a bush somewhere as these people have been gaining the power to jerk innocent people around using technology. Well, I do know how to dial the BBB, so come Monday I will call for a complaint form. I could never use a company who does this to customers.