Two weeks ago after writing 892 checks for about $40,000.00 and not one bad check, My checks started being declined. First I thought it was equipment or computer glitch. Code 3. Next day no problem. A few days pass, again CODE 3. I figured it was the first gremlin returning. I tried again next day, no problem.
Then yesterday, on errands out of town, WHAM! Good thing I am careful to plan for the unexpected. I was PO'd. So I went back to the first merchant were the first CODE 3 happened, yep another CODE 3.
I went to my BANK livid. I said, "I want to be told what is going on!"
The bank manager listened and understood. Why carry a Checkbook if I cant tender checks. If I cant tender checks, why do I need a bank? The manager concernedly so, agreed. Launch! She begins an investigation with my permission. I suggest she treat me as if I was suspect.
So, we tried opening me a new account, Almost instantly I was approved. I asked who approved me. Was it a formality of the bank? Nope, they did a report, wanna guess with WHO. Yeppirs, TELE CHECK.
I fess up to the manager. I had already called TC earlier and gotten a recording saying I had been declined because of lack of information. It instructed me to enter my contact phone number. I did, and it responded telling me the check was approved and to resubmit it to the cashier. Since I went and withdrew money to cover the purchase, I decided to go to the original merchant which I was agained declined after being approved just an hour earlier.
I gave the manager the denial record. She called the 800 #. She was informed there were no issues with me, no issues with WOODFOREST BANK, and the check was approved. Further to resubmit the check. By now she is mad! "What the HECK is going on? As, our customer of course your concern is going to be with WOODFOREST BANK." she said.
"We are going to get to the bottom of this, and I am going to notify Corperate HDQTRS." she said.
It took a few minutes but she returned with a direct number to live customer service. Not consumer customer service that is a recording, but customer service for BANKS. 1-800-697-9258, write this down, use it, harass them whenever you please the pleasure is all mine.
Now, she did not know I had committed the 800# to memory. It is a personal ability I have developed. I can be several feet away and tell what #'s you are pressing.
She questioned the TC rep as to why I was being declined. The rep parroted the recording. Frustrated, the manager ask what criteria was used to arrive at a CODE 3. She was told, and then said "I am putting the customer on the line, and you explain that to him." The rep basically said the frequency of my check writiting generates a statics that I am a bad risk. In other words statistically I might in the FUTURE writing a BAD CHECK. Slander. Attorney's are welcome to contact me emailto:firstname.lastname@example.org
The manager said she is referring this to Corperate HDQTRS WOODFOREST BANK.
THE TELE CHECK MANAGER IS FERNANDO-5613, don't ask for him by the 5613 or they will know you are a consumer. Just say "I was returning his call." Heh Heh Heh
IF anyone cares WOODFOREST only has two comments here at RIPOFF REPORT, it will be a shame to close my account, if only in protest. I found the customer service excellence achieved by no other commercial business.