We all have dealt with TELECHECK at some point in our lifes thur they companys we trust most such as Wal-mart. But my experience with them is the worst thing I have ever had to deal with. On 11/06 I wrote a check for $24.35 at the local Wal-mart.
I have always been good at keeping track of how much is in my bank to ensure I wouldnt have a bad check. Well, on 11/26 when I was out christmas shopping at Wal-mart my check was declined. I was giving the 1-800 to call and when I called the number they stated my check was approved and to run the check again.
Once the check was ran again it was declined again. When I finally got to an actual person on the phone I was informed that the $24.35 check was returned and declined and I now owed them $54.35. And I was okay with that thinking I might of made a math error.
By 11/29/10 that same check was ran two additional time which made $90.00 worth of NSF fees. On 12/02/10 I received a phone call from an agent from TELECHECK stating that she was calling in reference to an outstanding debt with their company. I told her I did acknowledge the debt and I would pay it in full on my pay day after she asked if TELECHECK had permission from me to run the check again for a fouth time.
I told the agent not to run the check there wasnt funds in the account and it would bounce causing fee's. The agent then asked if i was sure that they couldnt run the account number again. I told the agent many many many times that they didnt have my permission to run the check and I would call them back on my pay date to make the payment.
On payday when I was just about to call TELECHECK to pay the debt in full I so happened checked my bank account and it was -$88.95 which was all NSF Fee's from TELECHECK running the check from 12/02/10 to 12/07/10 in five days they costed me more money than I owed them in the first place.
I called the payment center for TELECHECK they sent me to collections I talked to 7 people and they stated that they agreed it was wrong after arguing for hours with them, but they was going to keep running the check no matter what I said until either the funds are available or the bank wont let them run it anymore.By the 7th agent they just hung up on me.
I had to call my bank request a stop payment which is are $29.00 fee so I ended up closing the account and getting NSF fees refunded by the bank.
In my opinion, Yes, i made an error and did bounce a check and i do i admit i owe them 24.35 that wasnt the issue. I mean if a company is going to keep running a check then why call and ask for permission then turn around and do it anyway. Once a company have permission to run a check til it clears they have but if the customer denies autherizan on request an second time all prior auth is obsulet / invaled but not to TELECHECK.
Be careful dont write checks at walmart
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