TeleCheck Complaint - Consumer Complaint

Review by evan1361 on 2000-12-26
MOSCOW, IDAHO -- On December 11, 2000 I called your company to pay off a bad check. I was unaware of your resubmitting the check on December 10, 2000. Your company charged my checking account on December 12, 2000 $78.65 and also another $78.65 plus $20 for a service charge on December 20, 2000. The second electronic funds transfer bounced the two EFTs resulting in $50 worth of overdraft charges. If you would have just taken out the $20 then everything would have been fine. Since this was your error you need to pay the overdraft charges and refund the $78.65. Your company needs to tell people that you automatically check the checking account for funds. I feel that the person that I spoke to on the phone should have told me that the check was resubmitted. You called me every day on the phone to get this payment even when I told you that I did not get paid until December 10, 2000 or thereabouts. My paycheck comes in at different days so I did not want you resubmitting the check. I was wronged and your service representatives on the phone were very rude, especially one Michele Lewis in the refunds department. I spent total of about ten hours on the phone trying to get this resolved with no call-backs or any type of resolution except "oops we screwed up". I feel that wanting the overdraft charges paid on your part to be very reasonable. I have contacted the news media, the Better Business Bureau, and numerous consumer Watchdog organizations and I will continue to do so until I get this small request.
Comments:2 Replies - Latest reply on 2001-03-27
Posted by Anonymous on 2001-01-19:
And if you had not bounced this check in the first place would you have this problem?

Is it so hard to keep a checkbook?
Posted by Anonymous on 2001-03-27:
I see I am not alone in this. I hate to admit to having an NSF check, but it happens to the best of us. My check was turned over to Telecheck and I received calls and letters. In speaking with a customer service representative, her communication was not very clear at all. I think this is done on purpose and to confuse the consumer. She said that they would not run it back through and could not......which is what I thought was correct. But she wanted funds withdrawn and I said no. Well, they did an ACH withdraw which I told them not to do because funds were not available. Guess what, more NSF funds when I was specifically told that this would not happen and not to do it. When I called I got this run down about how it is their computer that does it automatically. I can't stand how companies are using computers as an excuse. It is the humans that program the computers to begin with. I do not feel I owe them a fee because in essence, they did no collecting and gave me falisfied informaiton plus the fact that I was charged NSF charges again when I specifically told them funds were not available and not to do it. Fortunately, my bank paid the ACH draft, charged me fees and now Telecheck wants their fees.......I don't think so.

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