Shopped at Abercrombie and Finch for school clothes. Went to make my purchase with a check and was denied with a code 3. Which means either not enough info. Or new checking account etc. But it also means no bad history... But not enough information... Obviously I was one of those 15% of denials that they get paid on. Had a substantial amount of money in the account. And have an excellent credit rating... Never wrote a bad check. Just... From what they did tell me is that... I have never wrote a check at a telecheck merchant. So because I was new to the database they would not accept my check. This is absolutely rediculous! I said to her that in the year 2008 you cannot identify that it is me who is using my account and you cannot call my bank to verify that the funds are there? And she said NO! So I walked out without the $257.00 purchase. But before I left I spoke with the manager who apologized to me... And I told her in her next meeting with her principals she needs to mention the fact that good customers with no credit problems are walking away without being able to make a purchase if they are writing a check as opposed to using credit. I was so upset that I went home and called the company again because I still dont get how they are getting paid to verify my check for the merchant... But yet they wouldnt accomodate me with that service... As a consumer I have the right to write a check that is good... If they question who I am or the funds etc. Then they need to take the correct steps to make that purchase happen. Of course if everything checks out... instead they did not check out what needed to be checked out so that I could make my purchase... They let me walk away! I know my history... And this is not a new account... And even if lets say... A check number was out of sequence (which it wasnt) I could see them red flagging (for my protection) asking alot of questions to make sure they werent stolen or something but they just ignored everything... The anwser was just NO I can t approve your check... Im sorry!!! With out asking any questions that could verify who I was or calling the bank to verify the funds... Nothing. They were rude and when I asked to escalate this to a higher manager... I was told that I could and that when I get the manager they wont do anything for me either. And they didnt!!! This is a detriment to the merchants that good customers are being turned down for no reason... And they need to be aware... Oh I did call Abercrombies customer service and filed a report about my incidence. And intend to write a letter to the FTC and the BBB this company is is a ripoff to the merchants... And not fair at all to the consumer. And should not be in business.
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