• Report: #542613

Complaint Review: Telecheck - Telecheck Services - TRS Recovery Services - First Data - Shared Global

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  • Submitted: Sun, December 20, 2009
  • Updated: Tue, February 09, 2010

  • Reported By: David Rietter / Usoldwhat Ent. — Centerville Iowa United States of America
Telecheck - Telecheck Services - TRS Recovery Services - First Data - Shared Global
Houston, Texas United States of America

Telecheck - Telecheck Services - TRS Recovery Services - First Data - Shared Global TRS, CARGO LARGO DENIES CHECK BASED ON LACK OF HISTORY WITH TELECHECK, NOT ON FUNDS Houston, Texas

*Consumer Comment: Your rebuttals are clueless

*Consumer Comment: Correction

*Consumer Comment: Wrong Company

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On Friday December 18th 2009, I attempted to pay one of my wholesale venders 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 never any issue EVER! On this morning I had 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 $1702.00 she then run 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 state that Telecheck services had denied it, I asked again for a reason and she stated 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 that if your checks were denied that it was a new company policy that you would have to pay in cash in order to continue doing business with this company. I was floored, 5 years of perfect business transactions with this company and because of the Telecheck Denial I was now on the CASH ONLY BLACK LIST. I walked away and went to call Telecheck, once going through the digital screening process this company uses I got a human on the phone, gave "AMY" all the information I had just entered again. She asked me some personal identification questions and then proceed to state that the check had been denied, I stated that I was aware of this and wanted to know why, she then put me on hold for 4 minutes 41 seconds and came back and stated it was a code 3 denial, I again stated I know that, What is a Code 3 denial, again put on hold and she came back on within a minute and stated that I / My Company had no history with Telecheck therefore any merchant using there services would deny my checks. I asked what was meant by no history, your checks have never been presented to a merchant that used our service therefore your checks a deemed as a HIGH RISK, mind you I have written over 400 checks to this vender and never had any issues but NOW because of Telecheck I am a HIGH RISK CUSTOMER, I asked for a manager or superviser, typically was told that there were none available, asked again or for their Legal Dept. That got a response, I was told that if I wanted to talk to their legal Dept. I would have to write to a PO Box and wait for a response, I said if that is the case I wanted the address and a customer service or complaint address form anything, I was promptly told that I were considering legal action that I would never be able to cash a check again with any merchant, WRONG ANSWER, I immediately felt as if this was an attempt to threaten me, my company and to BLACK BALL ME in fear of the fact that I might proceed legally in pursuit of this issue. Needless to say after 48 minutes of RING AROUND THE ROSIE with this individual I hang up STEAMING and went back to the VENDOR asked for the Sales Manager that has handled our account for 5 years explained this whole ordeal to him, he called their finance mgr., explained the whole ordeal again, he thought it was interesting and on the sales managers word that I was a good customer and an honest individual with a long standing history with CARGO LARGO / Recovery Services, that they would make an exception and accept my check for the purchases. Fact of the matter is that I was so wound up, embaressed and Insulted by the whole situation that I walked out side and decided that if I were going to be treated by Cargo Largo / Telecheck Services like I had been that morning that I would just go home (284 miles) with an empty truck and not spend my money with a merchant that had been that insensative to a long standing and I hope valued customer. Bottom line is I am contacting our attorney to find out what avenues can be pursued in this matter.

As for CARGO LARGO, I will continue to do business with them BUT IT WILL ONLY be after recieving a formal apology in person and in writing from someone in their management team. The fact that they would allow a long standing customer, in good standing be subjected to this much frustration by turning over control of their Brains to an outside service that KNOWS NOTHING ABOUT THEIR customers makes me realize that there must be some REAL issues with the management of CARGO LARGO. I do want to thank the sales manager and finance manager for at least be sensible enough to look at this situation and make the offer that they did, non the less it is something that CARGO LARGO should have considered long before signing on with TELECHECK , I can promise you my company and retail outlet will never use thier services, because (1) I trust my customers that have done business with us and (2) I won't give control of the reputation of my company and that of my valued customers to some electronically controlled, robot managed service like TELECHECK. If I did I wouldn't expect to be in business very long.  Just a side note, at the time tha check was presented the account that it was written on and was the same one I have used for every transaction with CARGO LARGO had a balance of $8755 available.
Again TELECHECK did not care about the BALANCE in the account only based their recommendation on the fact THAT I / MY COMPANY had no History with theirs.

This report was posted on Ripoff Report on 12/20/2009 09:47 AM and is a permanent record located here: http://www.ripoffreport.com/r/Telecheck-Telecheck-Services-TRS-Recovery-Services-First-Data-Shared-Global/Houston-Texas-/Telecheck-Telecheck-Services-TRS-Recovery-Services-First-Data-Shared-Global-TRS-542613. 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 Comment

Your rebuttals are clueless

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

I walked into a Wal-Mart before Christmas in 2008 and presented a check which was declined. So I called Telecheck and they asked their dumb questions about an account that was closed 8 years prior and because I could not give them the information on the account they basically said "pound salt." I contacted the CEO 's office at the bank and they didn't even have me in their system. They contacted Telecheck themselves, they didn't even use TeleCheck and asked about the account which normally is purged after 5 years so they wondered how the matter surfaced. So for your clueless wonders how Telecheck works it doesn't but if someone has an axe to grind they can mess with your life, because I know how this charge evolved since I was approved by TeleCheck at the beginning of 2008 at Office Depot. I told Telecheck, I had the name of a VP, that don't ever screw with me again by telling them "dont tread on me." I suggest anyone that has a gripe and lose change to go after TeleCheck because they can and will screw with people's lives for the fun of it just to prove that they are the "boss." KMA!
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#2 Consumer Comment


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

In my opinion since Telecheck does not access your checking account to verify it is open and funds are available to clear, I don't see Telecheck as having a real guarantee program.  More a warrantee program.  Sementics I know but there is a difference...

Telecheck checks customer transactions against their database of Telecheck merchants. If there's a negative hit at any of their client locations, it won't matter if you have a million bucks in your account.. you get declined.

Conversely, if you have written bad checks to other check services like Global, Certegy, Scan, etc., but have never written a bad check to Telecheck you might be surprised to get an approval.

Finally, the merchant is not provided information on why a decline might take place. It IS true that a percentage of checks is declined at the point of sale regardless of history (this is called "velocity setting") and it's pure profit for Telecheck which charges merchants a declined fee and tells them how much they "saved" in returned checks. But the most a merchant can do is tell you the check can't be accepted and provide you the number to contact Telecheck to resolve the matter.

There are a couple of check processors out there that are on the VisaPOS network and thus do have access to a majority of checking accounts checks are drawn on to ensure that even if the check writer has written bad checks in the past, the check is still accepted because there are validated funds in the account which are immediately drafted.  One company is called Encircle.  Check to see which payment processors use Encircle and maybe suggest that service to your business partners.

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#3 Consumer Comment

Wrong Company

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

Seriously...Telecheck is a Check Guarantee Service.  Since you have no history with them the denied your check.  Unless you have a miracle attorney who has some unique never been tried before legal argument, you will have no legal grounds to purse.  The company probably started using them because they had other customers who were bouncing a lot of checks with them.  So in order to reduce their risk they went to Telecheck.  It was probably either that or stop accepting checks all together.

Now, your real report should be on the Cargo Company who did not override their approval on a customer with your history.  Although, it is their right to deny a check anyways so again you really have no legal grounds against them.  But you do have the power of the consumer and refuse to do business with them.

I also wonder if you accept checks and under what conditions in your Retail Business.  If so do you use a Check Guarantee service?  Do you have conditions as to who can write a check?  How many come back bad?  How much work is it to "recover" the funds from the check writer, or do you never recover some of the money? 

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