Help! My check was denied at mall!

I know of one - telecheck, there is another. Call the store, ask for a manager, and ask who does their check verifications. They should be able to give you a number to call.

 

Once a bad check is paid, your check writing privileges at stores that the check verification company services are restored.

 

One thing you may not be aware of is that under GLBA, the Gramm-Leach-Blighly Act all such companies as telecheck and Chexsystems and so forth are designated as credit bureaus and must provide their own credit reports.

Under the same act they are also designated as 3rd party collectors and are therefore under FDCPA.

 

The SCAN Network and Equifax have check writing services as well.

 

Even with NO bounced checks, I couldn't write a single check for a $650 for a car repair at my dealership. Telecheck refused to approve it.

When I called Telecheck, right then, to find out why, they said they'd based their decision to reject the amount based on a credit check. So on a hunch I wrote a $500 check and a second check for $150. Both were approved on the spot. Silly system.

 

Uh ... boy do I have a problem with that.

Call them back and find out what report(s) they pulled. Pull one of your own. If there's an inquiry there, sue them for $1,000 for no pp. I WILL PERSONALLY HELP YOU!

IFFY -> Also, did you get a negative action letter. They are required to send you a letter within 30 days if a nagative action results from a credit pull.

Did you get a letter RFMJB? Has it been over 30 days ago?

 

WHAT,, NO FINGER PRINTING????

This is getting out of hand,, if you had funds in the bank to cover the check,, I see no need for anyone to deny you the privilage of writing the check.

 

certigy is part of/owned by Equifax.
they are sorry sons of @#$*@&#. they will report bounced check fees, yes ..just the measly $10.00 fees.
Say you bounce a check at store A for 20 bucks.
store A runs the check back through again and it goes through a week later..some places do this, run the check twice to save the hassle, no prob right? WRONG.
Certigy will place you on their registry (which is your EQ credit report) then try to collect the fees that store A would have charged you if you came into the store to pay the check.

they also wont remove it once you pay it because they think it is the same as a TL on your credit report at that point. This info is from personal experience (not me directly, I dont write checks)

 

It was in November last year. They did send me 'the letter' on the spot. The dealership hands out an immediate notice with details when you're check is rejected by Telecheck. I pulled the free credit report during the call for 'why was I rejected'. It was one they maintain internally, and it arrived at my home promptly.

That's how I learned SBC had been billing my long distance calls from my new address and phone number to my previous account and billing the wrong address as well. They'd never sent me a bill at my current address for these calls and had placed the old account in collections. I was getting regular bills at my new address as well so I at least had documentation on my side that it wasn't MY screw up.

I wasn't terribly p'oed at Telecheck since I was able to solve the problem on the spot with a little ingenuity, and it revealed that SBC was trying to screw up my credit without sending me a bill in the first place. I have stopped writing checks though, and either use my Visa debit card or pay cash. It's too much to keep up with.

It took me until last month to get the SBC thing resolved, but they finally deleted the erroneous tradelines.

Mostly, I was just stunned that anyone could refuse to approve a check above a certain amount when you hadn't had any bounced checks, just an outstanding collection account bringing down your credit score.

 

They are both credit bureaus under FCRA and 3rd party debt collectors under FDCPA all at the same time if they are trying to collect any money from you.

 

I'M SURE GLAD I DON'T HAVE TO PUT UP WITH THAT SH*T...

I use VISA/MC/AMEX/DISCOVERCARD...pay all bills I can EFT and mail about 2-5 checks MAX per month...(NO CHECKS FOR ANY RETAIL STORE/BUSINESS OF ANY KIND, EVER)

I would lose 650 airline miles...SO WHY WOULD I EVER WRITE A CHECK???

 

Re: Re: Help! My check was denied at mall!

DID I READ THAT RIGHT??? A credit report for writing a check???

NO PP

 

Re: Re: Help! My check was denied at mall!

Funny you should mention Certegy....I am suing them right now as we speak because they have failed my numerous requests to give me my "Certegy" credit report so I could dispute info they claim to have on me that got my check denied at a Staples dept store last year.

The funny thing is, I never had any bounced checks that are not paid for. I do not get into the habit of ever bouncing checks but in my earlier, younger days I bounced a few but never any that I didn't pay back.

I never have a problem today writing a check and it being accepted. The others...USCAN and Telecheck aren't ever a problem. I then try to write a check and this company owned by Equifax..."Certegy" denies me. The lady hands me this little card with the certegy logo and a number and an address to call about getting my report.

I have called and written to certegy for my report. I get a letter from certegy with a reply that they have no record?? Huh?? When I call they say, Yep I gotta record and they will send it out?

I was sick of their games and they caused me damages and embarrassment so it's time to go to court.

I will let you know how this pans out!

Tac

 

Re: Re: Help! My check was denied at mall!

Hubby had a $10 check bounce-- he paid it... about a month later checkrite reported it to the credit bureaus... a freakin $10 PAID check... I could not believe they would go to the expense of reporting it, but thats the world we live in I suppose.

 

Re: Re: Help! My check was denied at mall!

Well, here is another example of my "thinking outside of the box". Let me explain.

1. Many of us know and accept the fact that Federal Reserve Notes are actually instruments of debt and not money nor cash or any of the other commonly ascribed terms and at one and the same time are extensions of credit just like any other instrument of debt is an extension of credit. In the case of the FRN, it is only a matter of whose credit, understanding who is the debtor and who is the creditor. If you work for a wage (for example) your paycheck is not payment for your labor. You have to get it converted into FRNs which are still not your pay for the labor you have performed. You have merely exchanged one instrument of debt for another. You have not received your pay until you have your food (or whatever) in your possession. Your pay is always palpable one way or another.

2. Checks are also instruments of debt and they are also instruments of credit for the simple reason that they are not Federal Reserve Notes but are purportedly immediately exchangeable for FRNs.

3. When the store gave you that little card with the logo of those who reported to the merchant that he should not in their opinion accept your instrument of credit (check) they have complied with the law that says that you have to be advised within a certain time frame, 14 days if I remember correctly of why you were refused credit or they are in violation of the law.

So if you go to a store and attempt to cash a check and you are denied the priviledge of paying with an instrument of credit in lieu of FRNs and you are not given a reason at the store in writing then they have to do it within the time frame allowed them by law. That is the way I see it anyway.

If they fail to obey the law can they then be sued for having failed to obey that law? I tend to think so if one first sends them a letter informing them that they have broken the law and how and why. And yes, I know that sounds far fetched to many including myself since I've never had any occasion to try it out although I almost got the chance a couple of years ago in an instance with my son. Only reason I didn't get a chance to try out my theory was that the store sold out and closed it's doors forever before I got a chance to get the job done. But we sure made Chexsystems jump high over it.

And then there is the next issue with hot checks. Ever go into a store and see a list of names of those who have cashed hot checks at the store taped to the cash registers or on a post or somewhere in open public viewing? Most of us have at one time or another.

That is an excellent opportunity to own a store or at least a goodly portion thereof. That is holding people up to public ridicule and defamation. It will win a law suit every time.

 

Re: Re: Help! My check was denied at mall!

Bill,

I tend to agree with most of your post but correct me if I am wrong, how can a business be liable for reporting the truth?

If posting the check that didn't clear was false I could see a major problem but if the check didn't clear and you haven't paid, IMO there is no defamation in showing the check stating this person wrote us a bad check and they have not made good.

Yes?

Please give me your take on what I said.

Tac

 

Re: Re: Help! My check was denied at mall!

I suppose that it would be akin to pulling your credit report and posting it on their wall or bulletin board too. It holds people up to public ridicule and you cannot do that. It can be posted in some way that the cashiers can look at it but not in a way that is visible to the public. I've seen several court cases where stores have been sued for that and I have a book which is published for and sold only to attorneys and it also speaks to the same thing. That is all I really know about it.

We have a grocery store here that does it all the time and I usually check to see if there is anyone on it that I may know but so far never have known any of the people listed.

If somebody I knew showed up on the list I'd sure advise them to go see an attorney.

 

Re: Re: Help! My check was denied at mall!

But are they allowed to report items other than checking information?

 

Re: Re: Help! My check was denied at mall!

DID I READ THAT RIGHT???
GEORGE~~
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Yep Ya Did !
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