On September 14th I was visiting Seaford, Delaware for a week. I went to a local Wal-Mart, I purchased a laptop computer, reading glasses, and an eye glass case.
I own a sole-proprietorship business. I wrote a check to Wal-Mart in Seaford, Deleware to compensate for the purchases that I made.
2 days after I wrote the check, someone somehow got ahold of my debit card numbers somewhere in India. They purchased things on it, fraud occured, etc. My bank was unable to recover all of the funds for me.
Thus, the check "bounced" that I had wrote to Wal-Mart. I thought oh my god. When I discovered the check bounced, I was back home here in Pennsylvania.
I wrote the Wal-Mart that I issued the check to that they needed to contact me that we need to work out the debt, and I want to pay them for my purchases and work this out. I made phone calls to the store, nobody could assist me.
I was contacted by Tele Check Services, INC. Later. They called multiple times a day, even as late as 11PM at night, and as early as 6:00AM. I was not ignoring them. I did speak to them.
I spoke with a guy, he wanted me to return the merchandise back to any Walmart, have them issue the refunds onto a prepaid credit card, then I give TeleCheck Services the card number to restore the debt.
Neither of the 2 local Walmarts in my area would take back the merchandise. On the glasses and the case, there were no UPC tags, and the Laptop Computer had been taken out of the packaging. So they could not help me.
I called back Telecheck Services, told them the problem. They threatened to sue me out of Houston, TX. The guy had me scared.
I then contacted a lawyer and said what do I do. The lawyer suggested that I work out some form of payment plan with them. And that I should do everything in writing.
I followed his advice, I mailed a letter with a $50.00 check to Tele Check Services. They deposited the check after telling me that they would not. They accepted my payment terms. I offered them a minimum payment of $50.00 a month until the full debt was compensated for.
Last month I sent them a $75.00 payment.
This month I received a call from an investigator from Tele Check Services and he told me that he is preparing to file check fraud charges against me if he doesn't receive larger payments from me compensating for my debt.
I said okay, I will do my best, I cannot make promises, please work with me. The guy was a complete buligerant verbally brutal man on the phone. I told him on the 10th I will begin sending in larger payments of $100. He said that is fine.
The man called me back yesterday. When I answered he asked me of my name, I said yes this is him. He said are you paying by debit or credit card today? I said excuse me? I told you I'm mailing in a check. I don't trust you with my debit card or any of my credit cards. I want paper trails here.
He said I'm sorry, this is unacceptable. I need a payment today.
I said, "I told you I would mail you a check on the 10th, it will be postmarked on the 10th and that's the best I can do." He yelled and screamed at me on the phone and he said I need payment now, and I want to get it now. I said sorry, I cannot do it. You will receive a check for $100.00 on the 10th of January and that is the best that I can do.
He said sorry, that is unacceptable. I said I'm sorry then, I'm hanging up this call right now. I hung up with him.
The gentleman called me again this morning at 5:42AM and left a voicemail that I needed to call him back IMMEDIATELY. I also knew it was him because when he calls it does not show his number on the caller ID. It displays "Out of Area."
These people will not leave me alone. I am making every possible attempt to work with them.
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