WARNING!! home depot shoppers

[mudcat]

I have spent hours reading to the very end of this thread, and I still don't know how Mr.Jimi came out with HD!

From what I've read, I don't think he plans on sharing.

 

[dgl24087]

As a merchant, I have to rely on a service to protect me from bad check writers. Until you can come up with a better service, I have no choice to use that which is available. You are free to shop elsewhere, or to pay with your credit card, debit card, or cash. As long as the law states that I don't have to accept checks, I will continue to use the service and let them do what they do best. Protecting both the merchant, and the majority of the consumers that never have any problems. It always seems to be that the poeple that have the biggest problems with any credit reporting service are the ones that have the biggest credit problems in life.
Dusty

Amen. And those who complain the loudest are usually the ones who have the most problems as well, I can't count the number of times I've heard "I know I have money, your machine is wrong", lol.

 

[LBrown59]

Only the bad history is included. And how does one know removal has actually occured?



Correct.



A stellar credit rating will not help remove you from "the list". Nor can one practice safe monetary transfers to remove one from "the list".

Nor can one provide proof of funds to remove one from "the list".

So, if your a victim of identity theft, banking errors, or anything else that is outside of the "bad check", your screwed. The best hope you have is to have your bank work with them to apply pressure.

Telecheck is nothing more than a stupid computer routine locked onto one or possibly more transactions that have occured using your name. It has no means to actually verify funds availability.

-Mike Z.

This is the trouble with all CRAs > They make desisions on many false assumptions.The Credity industry isn't set up as a fact finder but rather as a means to fleece the consumer.

 

[LBrown59]

I have worked with Telecheck as a merchant, however, I have also helped customers to resolve issues with Telecheck in the past. Your check writing history has a lot to do with the refusal of Telecheck to remove your name from the unacceptable list. If you have written a few bad checks and made good on all of them, you might still not get off the list. Telecheck also uses credit reporting bureau information to make the determination.

1*Today, everything that you do seems to reflect on your credit rating.
2* Get a major traffic violation ticket, such as DWI, and your insurance goes up and your credit rating might go down.
3*If Telecheck gives a merchant a decline check message, the merchant gives the customer a card that has the contact information on it, so you can call Telecheck to resolve the issue.
4*This is why merchants rely on Telecheck, they know who's check has the best chances of being paid by the bank, and who is the habitual bad check writer.
Dusty

1* Not exactly: It has more to so with a Consumer con designed to fleece folks out of their hard earned money.The whole thing is a racket.
2*That's because the insurance companies wanted to get in on the fleece the bankers had been enjoying for years.
3*I found such a card a joke when Speedway rejected my checks on 3 or 4 different occasions.
4*No they just think they do.

 

[AndyM]

1* Not exactly: It has more to so with a Consumer con designed to fleece folks out of their hard earned money.The whole thing is a racket.
2*That's because the insurance companies wanted to get in on the fleece the bankers had been enjoying for years.
3*I found such a card a joke when Speedway rejected my checks on 3 or 4 different occasions.
4*No they just think they do.

Whoa, I thought I was over at Creditnet . com there for a minute!

 

[LBrown59]

You are correct. Once you write one bad check, they don't ever let you forget it, until you make good on it. I have been with Telecheck since they started up, and in the last 10 years there have been no problems for me as a merchant. I have seen people have checks rejected because they have been habitual bad check passers.
1*If you have a problem with Telecheck, then there must be a good reason,
2*the reason isn't there fault.
3*Telecheck is so good, that the Nations leading merchants use there data bank for check acceptance.
4*Instead of complaining about them, why don't you put that effort into resolving your problems with them directly? Dusty

1*I wouldn't want to bet on it.
2*70% of credit reports are in error. So how can those making the errors be faultless?
3*Tell the people over here how good they are
Creditnet Credit Talk Forum: Credit Help, Credit Repair, Rebuild Credit, Free Membership

 

[LBrown59]

I'm a merchant and I can see both sides to the telecheck issue and the "list". While there are indeed instances where someone is denied that shouldn't have been, in the majority of cases they are denied for good reason.



As for this statement, the ability to verify funds for me is a non-issue. We have several customers whom I would no longer take checks from regardless of what funds they may currently have available. Past history with me is key. If you have a history of bad checks, then this alone is enough for me to decided I'd rather not take someones check. Funds can be transfered or withdrawn with a phone call or a click of the mouse today.

One other note - if your so negative about telecheck, use a debit card. If your funds are availble, the transaction will go through, and you don't have to worry about Telecheck.

That's what happened to me at Speedway 3 or 4 times.

Tempts me to go there and fill up my tank and purchase other stuff and when the check is declined see what they do to resolve the isssue.

 

[LBrown59]

Why should I have to change the way I conduct transactions because some service has flagged my accounts? When they actually have no insight into the funds availability, nor my past credit history?
A few of you here see it from a mechants perspective, they KNOW clients by person and past proven transaction history.
1*I am only negative on them when my banks tell the merchants my transactions should not be suspect, for whatever reason telecheck assumes that should be flagged.
2*Automated methods can deny service based on whatever reasoning method they choose.
3*I submit to you, victims of fraud evasion tactics, identity theft prevention tactics and identity theft can and ARE denied services by such automated services.
-
Mike Z.
)

1*My bank says there is nothing wrong with my account and never has been.
When these checking clearing places start flagging accounts like this it proves the check clearing place is doing something wrong
2*And the reason don't have to have anything to do with the issue. You're at their mercy and whims.
3*So are the hundreds of thousands who are victims of the credit reporting industries 70 percent error rate.
Fellows would you buy a tractor from a company that has a 70 percent failure rate?
Of course not, but the general public is forced into doing business on a daily basis with an industry that does have a 70% failure rate.

 

[LBrown59]

As a merchant, I have to rely on a service to protect me from bad check writers. Until you can come up with a better service, I have no choice to use that which is available. You are free to shop elsewhere, or to pay with your credit card, debit card, or cash. As long as the law states that I don't have to accept checks, I will continue to use the service and let them do what they do best. Protecting both the merchant, and the majority of the consumers that never have any problems. It always seems to be that the poeple that have the biggest problems with any credit reporting service are the ones that have the biggest credit problems in life.
Dusty

Things aren't always as they seem.

 

[LBrown59]

Are you speaking from direct experience with Telecheck from a customers point of view? I think NOT.

Go and try and find out how Telecheck denies a check. Find out the reason for denial and how to avoid it.

The problem does not simply go away.

-Mike Z.

I got no where with the Check clearing out fit that turned down my checks at Speedway on 3 or 4 different occasions.

The issue never was resolved.