Report: #615038

Complaint Review: WalMart And Telecheck

  • Submitted: Thu, June 17, 2010
  • Updated: Tue, July 27, 2010
  • Reported By: Brian78526 — Brownsville Texas United States of America
  • WalMart And Telecheck
    5251 Westheimer,
    houston, Texas
    United States of America

WalMart And Telecheck, Telecheck Electronic Check Acceptance Service, Telecheck Services Inc., TRS Recovery Services Inc. Although Telechecks method of doing business is not ethical, Wal-mart violated my privacy and gave out my banking information to a third party source without any authority houston, Texas

*Consumer Comment: h*o-rah! No one cares.

*Author of original report: Update

*Consumer Comment: Edgeman taking a jab here..

*Consumer Comment: Sorry, no conspiracy here.

*General Comment: Some items for consideration...

*General Comment: You have no idea how big this really is...

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Telecheck is getting bankaccount information from Walmart without customers knowing.

   I got this letter in the mail with my old address on it that stated, "To successfully convert a paper check to an electronic item, the banking numbers along the bottom of the check must read with a special check reader and that information must be accurately transmitted to Telecheck to ensure a complete transaction. Unfortunately, the transaction you authorized at the above merchant location can not be completed because the banking information was not read correctly by the check reader. Telecheck cannot successfully complete the transaction."

   I could smell a Phishing scam coming on. No doubt they were going to ask me to give them my banking account number. Who is Telescam, I mean Telecheck? The letter continued as expected, "We need your assistance to correct this error. Please call Telecheck at (888) 263-4935 upon receipt of this letter so that we may verify your banking information." At this my head is screaming Scam Scam! I hate scams. So, I called to play along and find out what these scammers were up to.

   To my surprise the scam was bigger than I thought. I was connected to a Telecom scam artist, I mean associate, named "Manny". He was friendly at first until he tried to get updated information from me. I only gave him my first name and the old address that the letter was received from. They already had that information anyway. He said that Wal-mart was using them to retrieve funds. I asked him if the check in question had been bounced. He replied no, and continued to re-script what the letter had said about needing information. I told him that I don't even use checks at retail stores, and if the check didn't bounce why was I being harassed with collections letters. We went back and forth a bit, but I refused to give any further information, and was told that if I didn't pay, "it was going to [be held against] me." I hung up.

   I thought to myself, I have had more than enough funds in my account to cover the 131.79 in question. Even if it was my check, why would Wal-mart send it to collections if it didn't even bounce? It hit me, Wal-mart is getting scammed! Telecheck suckered Wal-mart into a contract to prescreen checks. I am sure that Telecheck convinced Wal-mart that they saved them millions on bounced checks. But, if Telecheck can just flag customers with or without funding and charge Wal-mart a small finders fee for protection, they can suck the beast dry. Wal-mart is getting robbed blind! First, Telecheck causes Wal-mart to lose sales. Telecheck then charges an extortion fee; I mean finders fee, for every flagged check.

   I didnt give Wal-mart the right to give out my personal banking information to a third party scam artist like Telecheck. I pay Wal-mart in good faith for goods and services, while Telecheck loses sales, destroys customer loyalties, and laughs all the way to the bank about it. I thought customers did business with Wal-mart when they purchased merchandise. I was never informed that Wal-mart was giving my banking information to Telescam companies.

   I called again and talked to Curtis. He said they have been racketeering, I mean doing business, for 20 years. I told him I needed proof of the check in question. I asked, What did I purchase? He said he only knows that I need to pay 131.79, and that it would affect me if I didnt pay. I can only assume he plans on attacking my credit history. Does Curtis from Telescam have the authority to destroy all the work I have done to build my credit and life of a responsible citizen! I am just getting married and would like to own a home soon.

   How badly is a Telescam extortion bracket going to attack me? Will they destroy my chances of getting into my own home? Should I pay the 131.79 to get them off my back? Isnt that black mail!

   Telecheck ended their letter with, Telecheck apologizes for any inconvenience this incomplete transaction may cause you, and we hope that you view this situation as an isolated incident, which does not reflect negatively on the merchant or on Telecheck. The Telecheck Electronic Check Acceptance service is a safe and secure payment method, and we hope you continue to select electronically converted checks as your preferred payment option. I read, Hay sucker, dont tell Wal-mart they are getting played. If you pay up and shut up, no one gets hurt.

   I called back a third time and asked Curtis to send me a copy of the check in question so I could compare it to my records and validate it. He stated that he would send it, but I felt from his tone that he was upset. I only pray that they dont destroy my credit because I dont view this situation as an isolated incident and do reflect negatively on Wal-mart and Telecheck.

   I have never done business with Telecheck, and feel violated by Wal-mart for subjecting me to a third party interrogation team. And although I dont feel that Telechecks method of doing business is ethical, Wal-mart was the one who violated my privacy and gave out my banking information to a third party source without any authority. Is there no law that protects customers from companies giving away banking information? How can I protect myself from monsters like Wal-mart and Telecheck?

   Show me where to send the stone to bring the Giants down! They can try to destroy my credit, my future home, my life, and take my hard earned cash, but they cant destroy my spirit! They are messing with the wrong guy.

This report was posted on Ripoff Report on 06/17/2010 12:33 AM and is a permanent record located here: 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Comment

h*o-rah! No one cares.

AUTHOR: I am the law - (USA)

Ok, feel better now?

It sounds like everything worked out. In the future, look into a debit card, you dinosaur, and maybe you won't have this problem.

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#2 Author of original report


AUTHOR: Brian78526 - (United States of America)

I got my name cleared!

Walmart got scamed not me... Telecheck sent me a nice letter again stating " I am sorry our system sucks but we wont hold it against you". Thats what I read anyway.

It only took a lot of barking, statements form the bank (showing that I don't even exist on their system), and some notarized statments telling Telascam what a scam they are.

Customers beware...Walmart is easy to ripoff because Telecheck is a waste of Walmarts resources. Here is how it realy works.... or doesn't work for that matter.

scam artist check list:

1. Make a fake check with any bank routing number

2. Make up a fake account number for the check (must be random to clear "telescam")

3. Put anyones information on the check

4. Run it through "Telescam" system to "purchase" free stuff

Realy! Thats what happened. Some jerk used my name on a fake account number. Telecheck does nothing more than compile and file "bad numbers".

If you bounce a check your account number is flagged and denined later.

But, you can't be flagged if you just make up random numbers....

Walmart needs a better service provider for point of purchase sales that varifies funds. If that was done, the scam artist who used my name on a fake check, would have been busted on the spot...or at least not allowed to walk off withh 130 bucks of free merchandise.

Hope Walmart wises least I am out of the mess...for now.

If you are subject to a scam like this, at least telecheck eventualy clears it prepared to jump through hoops.

God Speed!

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#3 Consumer Comment

Edgeman taking a jab here..

AUTHOR: Ronny g - (USA)

First off, don't group me in with Karl. As far as Edward, yes we share in common a desire to see bank rip offs exposed.

But what have you ever seen me post that was untrue or a based on a "theory"?

I, like anyone else can get details wrong from time to time..sometimes information is not accurate or misunderstood.  But overall, what have I posted that is a theory based?

In the case of this post,  if this is truly a "phishing scam", I would highly doubt  Telecheck is involved. Back when I had a retail store I used Telecheck and it was, at least at the time, a legit service and stood behind their terms.

The real solution to these problems is to do away the check altogether, it is an antiquated system, slow, a waste of resources and usually leads to fees and fraud. I mean in this day and age people would risk using a piece of paper that has their name, address, bank info and account number, and can be cashed by anyone?

And yes, when Walmart or ANY company takes a check, all your information is given to the check service, all the banking info, and drivers license number, DOB etc. So if you don't want your info given out like that, don't use checks for retail purchases..or anything for that matter.
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#4 Consumer Comment

Sorry, no conspiracy here.

AUTHOR: I am the law - (USA)

Wow. Here's a new twist...

First off, "Telescam", as you call it, is a legitimate company Walmart uses for these types of situations. I can't vouch for the store that you went to, but their logo is on all of the cashier stands at the Walmart near me.

Second of all, if you were so concerned about a possible scam, why wouldn't you contact the store you bought the stuff from and take it up with them? If you are worried about your credit score, it seems to me like you'd at least try to go the extra mile.

Third of all, Walmart didn't "violate" your privacy. Walmart has to contract out for these types of services. They're not a check collection agency. They're a store. Walmart uses a bank, as well, which processes paper checks customers write to them. That bank sees customer information on the paper checks. They also have a credit card vendor that does the same for credit card info. I don't see you throwing a hissy fit over that.

You're trying to find a conspiracy in an everyday situation. Go to the store. Talk it out with them. It's that easy.


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#5 General Comment

Some items for consideration...

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

First did you make a purchase at Walmart or any merchant for $131.79? If you did has that check cleared your bank? What may be happening is this: When you give Walmart a check they scan it and run an electronic representation of the check through the system. The paper check should be returned to you by the cashier. If something happens during the scan and the row of numbers at the bottom of the check doesn't scan right then they don't know what bank and account to process it against. They can find this out two ways: When they review it before sending it to the bank or when the bank returns it as account not found. In either of these cases the check has not "bounced" because it was not presented against the account to see if it would clear. As far as Walmart being authorized to give Telecheck your information, yes they were authorized when (if) you give them a check. There should be a sign at every register that states the checks are processed by "name of company" (in this case Telecheck) and returned checks fees are "insert amount" (usually $20 to $30). By giving the check to Walmart or any other store the customer is accepting these terms. If you don't want to accept them then pay another way. And no Telecheck wouldn't know what was purchased only the amount of the check that didn't clear. 

If you did make the purchase at Walmart and it hasn't cleared your bank, you might want to go to Walmart and ask them if their checks are processed by Telecheck and what the status of your payment is. They should have a list of checks turned over to Telecheck for recovery. If it hasn't cleared you can pay the store (make sure you get a receipt) or call Telecheck. If you're worried about the number given you over the phone being a scam either Walmart can give you the number or you can find it on the internet.

One other possibility is identity theft, in that your name and/or account info was stolen. I would suggest reviewing your account activity to make sure no transactions have posted that you didn't make. Hope this helps you out.

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#6 General Comment

You have no idea how big this really is...

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

Did you know that even the government is involved?

Talk to Charles, Ronny and Karl for more information. Use the password. Anybody who tries to talk to you without using the password is the enemy.
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