I tried to write a check at my local grocery store two weeks ago and it was declined. I was totally surprised because I have written several checks to this grocery store (Martin's) in the last few months and none had bounced. When I asked what the problem was, they handed me a slip of paper with Telecheck's number on it. After calling Telecheck, I was told that I had a bad check debt listed with CF Data, who is trying to collect a debt owed to Country Bank National Money Service, a company I had never heard of and definitely never written a check to. The bad check was written in 2000, over three years ago, and has suddenly started to appear on Telecheck's file.
I wrote letters to Telecheck and CF Data, requesting that they investigate this debt and stating that it was not mine, and that they provide me with evidence that this was my debt. On Saturday, I received a form letter back from Telecheck which stated the following:
"Please be advised that a reinvestigation of the disputed debt attributed to the above-referenced individual has been completed, and it has been determined that information received from the original furnisher of information by Telecheck is:
X Accurate. Therefore, Telecheck will retain this information in its records.
No information was provided as to how they went about investigating this entry, and no copies of anything (original check, etc.). I am really frustrated, because this means I can no longer write a check at any establishment that uses Telecheck as a check validation service, and THIS IS NOT MY DEBT! Has anyone had a similar experience with Telecheck, and/or does anyone know how I should proceed with this? I am going to follow up with a second letter to both CF Data and Telecheck, requesting again that they provide me with supporting documentation of this bad check, but I'm afraid that I will just get another form letter back with the same results. BTW, CF Data, who I think is a collection agency, has not responded to my first letter at all. I need to know what kind of verbiage to put in my letters to persuade them to either provide me with documentation of this bad check debt, or remove the entry.
Any help would be greatly appreciated.