Complain about a product or service

Telecheck

Tonia of Richmond, VA September 29, 2009

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

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

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

Robert of West Babylon, NY August 4, 2008

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

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

Valerie of Dearborn, MI June 14, 2008

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

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

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