Consumer complaint received 2018-01-25
Company: First Data Corporation
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Complaint with : Telecheck Telecheck 's Denial Record # XXXX Date of transaction : XXXX/XXXX/XXXX On XXXX/XXXX/XXXX, I went into XXXX and purchased an item valued at {$10.00}. I wrote a check from my XXXX checking account for the amount and they ran it through their system. A moment later I was denied, so they asked for another form of payment. I was very humiliated and embarrassed because of this. I gave them my debit card which is linked to the same checking account that I had written the check from, and it went through with no issues. As I was leaving, I asked for a number to contact whomever it was that makes a decision on accepting the check, and they told me that the info is on the receipt that was given to me. I proceeded to read the receipt and found out that it was TELECHECK that had not accepted my check, not XXXX. This complaint that I am filing right now is on TELECHECK. I called Telecheck immediately after I found out who it was. I finally got a live company representative to speak with me, and after I was verified, I asked them why I was denied. I also told them that I have no negative information in their database, and they confirmed that that was true. So, I asked them again, why was I denied to write a check for {$10.00}? Then he told me that I needed to develop some kind of history with that particular checking account, and I told them that how can I ever start to develop history when you deny my checks every time I attempt to write one. It does n't matter if the amount is for {$2.00}, or like in this case, {$10.00}, or if it was for {$300.00}. I said that it will still be denied regardless of the amount that I write it for. Mind you, again I will reiterate that I have absolutely NO bounced checks or negative information anywhere in their database. So, I proceed to ask him again, why was I denied? Then he gives me another reason saying that the check was actually denied because my bank told them that I have had frequent bounced checks in the last 4 days. I told him that this information was incorrect and that I did not have any NSF 's in the last four days whatsoever. I also told him that I had well over {$150.00} in my checking account at that moment, which was way more than enough to cover this check. I also want to state that on the receipt that was given to me, Telecheck has a short disclaimer on it stating, " ... Telecheck did not make the decision to not accept your check, and is unable to provide you with specific reasons why an adverse action was taken. '' This is a bold faced lie that is printed right on the receipt itself. First of all, Telecheck DID MAKE THE DECISION SOLELY TO NOT ACCEPT MY CHECK, and also Telecheck had given me the exact reason why I was denied. So my complaint is on Telecheck for misleading, and deceptive information, as well as an outright lie that is fed to each and every consumer out there that has to suffer through this when they are denied for writing a perfectly good check as well. Also, I want to file another complaint on them for not being more thorough with their process, and for not obtaining ACCURATE and real-time bank account information when they make their decision to deny us to write a good check every time. I feel like I am being singled out by Telecheck, and discriminated against them as well. They deny me every time for any reason that they can come up with, and I have no negative check writing history with them at all. In this case, however, I was denied by them for allegedly having bounced too many checks over the last four days, and in all actuality, I had n't bounced any checks over the last four, six, or even ten days for that matter. Also, I had plenty of funds in my bank account to cover this transaction, and I have not negative history with them at all. So why are they denying me to write a check every time I attempt to use one if my name and ID is good to go? I am frankly fed up with them for treating me like I am some kind of a criminal, and for denying me every time I attempt to pay with my check, and for lying to us in writing on the receipt about what I had mentioned above. Also, I do n't consider that pulling my XXXX XXXX XXXX credit report every time that I try to pay with a check a real-time bank account check. This is what they use. I know this for a fact. XXXX XXXX does not give them real-time information on us consumers. Thank You

Company response to consumer: Closed with explanation