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

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.

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 up...at least I am out of the mess...for now.

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

God Speed!

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.

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.

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.

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.