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  • Report: #446541

Complaint Review: Wal-mart

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  • Submitted: Sat, April 25, 2009
  • Updated: Thu, May 14, 2009

  • Reported By:WEST ALLIS Wisconsin
Wal-mart
S. 108TH ST. Greenfield, Wisconsin U.S.A.

Wal-mart Do not bounce a check at Wal-mart, if you cant do the time Greenfield Wisconsin

*Consumer Suggestion: It Could Be Worse

*Consumer Comment: Check Systems

*Consumer Comment: you dont need checks

*Consumer Comment: you dont need checks

*Consumer Comment: you dont need checks

*Consumer Comment: you dont need checks

*Consumer Comment: How Many?

*Consumer Comment: If you had done it at the place you were denied at

*Author of original report: Got it Goody Pants!

*Consumer Suggestion: You Should Have Been Able To Provide Proof

*Consumer Comment: Well, in case no one ever told you....

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I bounced a check at Wal-mart, as soon as I was notified, I instantly rectified my mistake.Then a week later, I wrote a check at another unrelated store, and the check was denied. I was given a number to call, regarding this transaction. I called the number and it was a company that was blocking my checks from being honored. I was told it was due to the bad check reported by Wal-mart. I was told Wal-mart had to report to them, that I paid Wal-mart. I stated I did pay it, they said talk to them. When I spoke to Wal-mart, they said they do not deal with reporting that the issue is resolved.

So for 3 months I could not write checks, due to Wal-mart not reporting to the company that it was resolved.They had no problem reporting this to the company, but couldnt be bothered, to remove, the negative report.I know I was wrong to bounce a check, but how long do I have to loose, my checking account for? I have a friend who had this same problem, she said, its been 8 years, and Walmart still refuses to take a check from her.Come on Wal-mart, a bit of over kill?

Burned customer
WEST ALLIS, Wisconsin
U.S.A.

This report was posted on Ripoff Report on 04/25/2009 05:09 PM and is a permanent record located here: http://www.ripoffreport.com/r/Wal-mart/Greenfield-Wisconsin/Wal-mart-Do-not-bounce-a-check-at-Wal-mart-if-you-cant-do-the-time-Greenfield-Wisconsin-446541. 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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REBUTTALS & REPLIES:
0Author 11Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Suggestion

It Could Be Worse

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

Don't EVER bounce a check at HEB in Texas. Your 'branded" for LIFE. They'll never take a check from you, EVER again. Hey, if that's a company's policy, it's their policy. If you don't like it, shop someplace else OR pay cash.
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#2 Consumer Comment

Check Systems

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

I am neither an employee of Wal-Mart nor a regular shopper; it's been literally years since I shopped there. However, most major and even less than major retailers will use a "check verification" system. The fact that a returned check has been paid is irrelevant. The most important fact for most retailers is that the person attempting to submit a check has written a bad check in the past. A bad check creates havoc for a company in terms of accounting, banking, and recovery personnel needed to handle such situations. The fact a person has written a check against an insufficient balance is a good sign the person will do it again.

Furthermore, the check is an almost archaic way of doing business. For that reason a separate business has been created. This business is the "check verification". Essentially, a company has been created that guarantees the company accepting the check will be funded upon approval by the guarantor. This company obviously has a lot at stake and in order to be profitable must use a high standard for check acceptance. This is the process that occurs when a check is sent through that little machine. Once some one breaks the trust of that company that guarantees the check they have little chance of being "verified" as an honest check writer.

It is moral to repay the damages but the credit, or trust if you will, has been broken. Whether Wal-Mart reports the debt paid or not will not even have a bearing on future check writing in most cases. If you have the money use cash or like a previous response noted, a debit card. The fact a guarantor doesn't wish to vouch for someone's check writing credentials is not a rip off by a retailer. In reality, the person that writes a check that does not clear is a consumer ripping off a business, not the other way around; even if they come back and pay the bad debt.
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#3 Consumer Comment

you dont need checks

AUTHOR: Shocker1207 - (U.S.A.)

just go to your bank and get a debit card for your checking account, then you dont need checks, unless your tryin to bounce another check, people need to have common sense!!
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#4 Consumer Comment

you dont need checks

AUTHOR: Shocker1207 - (U.S.A.)

just go to your bank and get a debit card for your checking account, then you dont need checks, unless your tryin to bounce another check, people need to have common sense!!
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#5 Consumer Comment

you dont need checks

AUTHOR: Shocker1207 - (U.S.A.)

just go to your bank and get a debit card for your checking account, then you dont need checks, unless your tryin to bounce another check, people need to have common sense!!
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#6 Consumer Comment

you dont need checks

AUTHOR: Shocker1207 - (U.S.A.)

just go to your bank and get a debit card for your checking account, then you dont need checks, unless your tryin to bounce another check, people need to have common sense!!
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#7 Consumer Comment

How Many?

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

Burned Customer many people have financial issues, but it is not a RipOff because
a business makes decisions based on these issues. Just how many reports are you going to consider a "RipOff" because of your finances.

You have written one on T-Mobile. Because they were charging you activation fees of $20 per phone(per the contract) on 3 phones for late payments. Where these payments were late enough to cause them to disconnect your phones.

You wrote one on Sprint for some unknown reason other than seeing other complaints.

Now you have one on Wal-Mart because you passed a bad check and they won't allow you to write another check. First I really hope that you have only written 2 bad checks, but even one is Check Fraud. Several cities have entire DA Departments that do nothing but handle bounced checks. So while a big store may not turn your returned check over to them, a smaller non-major chain store may.

As was suggested before, you should have proof that you paid it. The company should have a process for you to provide them proof on your own if the store didn't update them.

Also, as a bit of fair warning. I believe that Wal-Mart processes checks(or will be) electronically. This means that the check can be submited to the bank as soon as you hand over your check. This is no different than using your Debit Card. So if you are writing a check to "float" an amount for a couple of days that may come back and cause you more issues.
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#8 Consumer Comment

If you had done it at the place you were denied at

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

they would have reported it it also as they use the same system. Not just Walmart. How is it anyone else's fault you tried to pass a bad check? That's you responsibility alone. They can not make you do it.
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#9 Author of original report

Got it Goody Pants!

AUTHOR: Burned Customer - (U.S.A.)

I ha ve wrote over 9,000 checks, and overdarfted 2 times, in my life. I do not think Wal-mart needed to block my account for 3 months. The check overdrafted for $14.00 dollars.They went to far.
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#10 Consumer Suggestion

You Should Have Been Able To Provide Proof

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

I had a bounced check years ago and a similar situation, the business would never report that I had paid. I called the company that was giving me the blackmark for checks and they had me fill out a dispute claim and I included the information they requested and a copy of a processed cashiers check. They removed the mark. Something to consider if it ever happens to you again. I know times can be hard, just do your best not to cut things so close you bounce a check.

TIGA
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#11 Consumer Comment

Well, in case no one ever told you....

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

Don't bounce a check ANYWHERE.
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