• Report: #669252

Complaint Review: TELECHECK

  • Submitted: Wed, December 08, 2010
  • Updated: Wed, December 08, 2010

  • Reported By: TMichelleH — Indianola Iowa United States of America
Nationwide United States of America

TELECHECK Worst Mistake EVER Internet, Nationwide

*Consumer Suggestion: Solution

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We all have dealt with TELECHECK at some point in our lifes thur they companys we trust most such as Wal-mart. But my experience with them is the worst thing I have ever had to deal with. On 11/06/2010 I wrote a check for $24.35 at the local Wal-mart.

I have always been good at keeping track of how much is in my bank to ensure I wouldnt have a bad check. Well, on 11/26/2010 when I was out christmas shopping at Wal-mart my check was declined. I was giving the 1-800 to call and when I called the number they stated my check was approved and to run the check again.

Once the check was ran again it was declined again. When I finally got to an actual person on the phone I was informed that the $24.35 check was returned and declined and I now owed them $54.35. And I was okay with that thinking I might of made a math error.

By 11/29/10 that same check was ran two additional time which made $90.00 worth of NSF fees. On 12/02/10 I received a phone call from an agent from TELECHECK stating that she was calling in reference to an outstanding debt with their company. I told her I did acknowledge the debt and I would pay it in full on my pay day after she asked if TELECHECK had permission from me to run the check again for a fouth time.

I told the agent not to run the check there wasnt funds in the account and it would bounce causing fee's. The agent then asked if i was sure that they couldnt run the account number again. I told the agent many many many times that they didnt have my permission to run the check and I would call them back on my pay date to make the payment.

On payday when I was just about to call TELECHECK to pay the debt in full I so happened checked my bank account and it was -$88.95 which was all NSF Fee's from TELECHECK running the check from 12/02/10 to 12/07/10 in five days they costed me more money than I owed them in the first place.

I called the payment center for TELECHECK they sent me to collections I talked to 7 people and they stated that they agreed it was wrong after arguing for hours with them, but they was going to keep running the check no matter what I said until either the funds are available or the bank wont let them run it anymore. by the 7th agent they just hung up on me.

I had to call my bank request a stop payment which is are $29.00 fee so I ended up closing the account and getting NSF fees refunded by the bank.

In my opinion, Yes, i made an error and did bounce a check and i do i admit i owe them 24.35 that wasnt the issue. I mean if a company is going to keep running a check then why call and ask for permission then turn around and do it anyway. Once a company have permission to run a check til it clears they have but if the customer denies autherizan on request an second time all prior auth is obsulet/ invaled but not to TELECHECK.


This report was posted on Ripoff Report on 12/08/2010 01:27 AM and is a permanent record located here: http://www.ripoffreport.com/r/TELECHECK/nationwide/TELECHECK-Worst-Mistake-EVER-Internet-Nationwide-669252. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Suggestion


AUTHOR: Josh - (U.S.A.)

There are a few simple solutions to this problem:
1) Don't pay with checks.  I always feel like murdering the people who hold up the line by taking 5 minutes to write a check.  Why not use a debit card?  With the new law, they can't even charge you overdraft fees unless you agree to let them do it.  And it takes 3 seconds instead of 5 minutes.
2) Don't write bad checks.  Keep a record of checks.  Obviously, this is more difficult than (1).

In any case, if there was money in the account, the check should not have bounced, and you should not have been charged any NSF fees.  If they were charged due to a bank error, you should get the bank or telecheck to refund them.

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