Consumer complaint received 2020-01-21
Company: First Data Corporation
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/XXXX I cashed a check at XXXX in the amount of {$140.00} expecting a deposit in my account which I guess, due to the holiday mail was delayed. The check was returned to XXXX and their policy is for their bank to forward the returned checks to TELECHECK. Telecheck deposited that check into my account on XX/XX/XXXX and it cleared XX/XX/XXXX. I had my son go to the XXXX XXXX, as I am XXXX, on XX/XX/XXXX to have the check rejected even though I had over {$200.00}. in my checking account. The store DID NOT give us a receipt so it took several phone calls to get a number to call which I did and the following occurred. Called XXXX after being on the phone for over 17 minutes waiting for someone to answer I spoke with XXXX. I explained that the check was sent to my bank on the XX/XX/XXXX, cleared on the XX/XX/XXXX and I could not cash a check on the XX/XX/XXXX. I understood him to say as long as it cleared there would be no {$25.00}. fee and he would clear the record for me to cash checks. I check on the XX/XX/XXXX twice, spoke to a XXXX and XXXX after another very long wait for both of those calls and was told it was not cleared asked for the Supervisor. I spoke with Supervisor XXXX XXXX who confirmed it was not cleared, stated XXXX should not have stated that and she would listen to the tape and if I would call back the next morning at XXXX XXXX on her personal telephone line number XXXX she will tell me what she found. I called back at XXXX XXXX left a message ; XXXX XXXX left a message and called later through the regular line and they tried to connect me and the connection did not work however shortly thereafter XXXX did call me and stated it had been a hectic morning and she was unable to call before now. Stated she had listened to the tape and that is not what he stated HOWEVER I WOULD REALLY LIKE SOMEONE OF AUTHORITY TO LISTEN TO THAT TAPE BECAUSE WHAT HAS TRANSPIRED SINCE THIS CALL. She double checked her records and said the records did not show the check cleared yet as of XX/XX/XXXX. In addition to all of this I had her place a 3 person call to my bank manager who confirmed that the check cleared XX/XX/XXXX and she told me she would forward that information to the proper people AND would call me back in two days. I asked her who was overseer of their organization and she said there were many companies over TELECHECK and she did not understand what I was asking. She did not seem to like it when I stated like the Bank Commission, etc. In addition to all of this I have NOT had my check writing rights cleared as of XX/XX/XXXX even though I authorized her to take the {$25.00} out of my checking account AS OF XXXX XXXX  XX/XX/XXXX the {$25.00} has NOT been withdrawn, I have NOT received a return phone call, I AM BLACKBALLED at any STORE that uses TELECHECK and I did try to use one last evening and got refused with a TELECHECK tag. IF you call the business that uses this service they state that once the check gets returned the first time it automatically goes to TELECHECK and they have NO CONTROL. TELECHECK states they can't release their hold until the BANK tells they its cleared. They are not clear what Bank they are referring to, my bank, the stores bank or their bank or who. You can not follow up on this because it should NOT take this long especially when my Bank representative, who XXXX called told her the date it cleared, the amount etc. and that was seven days after they deposited it and now it is fifteen days later and I have NOT been released to write checks for my medicine, food etc. I have heard from others that it often takes them a month or so to clear a check. I believe this is only my second check in at least one year with this company but this is wrong they should have to clear these much more efficiently OR get out of the business or deal with local banks not ones down in Georgia, Texas or who knows where.

Company response to consumer: Closed with explanation