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Is Telecheck a collection agency? I accidentally bounced a check to Wal-Mart. Somebody saying they were Telecheck called and said if I didn't pay the check plus $30 by April 13 they would add all kinds of fees and such. They started calling at 8 a.m. on Friday. In Ohio the laws say they must send something in writing:


A creditor may recover from a person who issued a dishonored check compensatory damages to the extent of the value of the check plus service charges, liquidated damages, costs, and reasonable attorney fees if a written demand in a prescribed format was sent to the person, and no payment or agreement for payment was made within thirty (30) days of the written demand.

The amount of the liquidated damages may be a minimum of $200 or three (3) times the amount of the amount of the check and all bank service charges.(O.R.C. 2307.61(A)(1)(b).)

The written demand must be sent by certified mail with return receipt requested, and generally must contain a conspicuous notice to the person upon whom the demand was made, a description of the property, a notice that if payment or agreement for payment was made within thirty days that no civil action can be brought, and that if payment or agreement for payment was not made within that time period that legal action would be pursued. The creditor is also required to
specify in the notice the potential judgment which that person may be required to pay, and that person's right to damages, reasonable attorney fees and costs in defending the case if the creditor does not prevail in the action. (See O.R.C. 2307.61(C).)

From what I read on their website,they do check verification,keep records of nsf's,and also do check guarantees. If they paid off your check,then they will be the original creditor. Remind them of your statutes next time they call. Their office is listed below.

Check Writer Information
Declined Check Information
for Check Writers 1-800-366-2425
Check Collection 1-800-366-2425
Free annual file disclosure pursuant to the Fair Credit Reporting Act 1-800-TELECHECK

telecheck Services, Inc.
5251 Westheimer
Houston, Texas 77056

Sub: #1 posted on Mon, 04/09/2007 - 03:33

cajunbulldog cajunbulldog
(Posts: 4859 | Credits: 424.99)

I have bounced a check at Wal Mart in Ohio as well. It took me a long time to pay it back-(way too long due to hard times) and they never charged extra fees beyond the $30 bounced check fee. Call and let telecheck know when you will be paying it. I have found them nice to deal with. I do find it strange that they called you. I have never gotten any more than letters in the mail from them.

Sub: #2 posted on Mon, 04/09/2007 - 06:18

Sassnlucy Sassnlucy
(Posts: 2697 | Credits: 317.14)

Now aren't they the ones that banks report to when you have too many NSF's? Or is that Chex Systems?

Sub: #3 posted on Mon, 04/09/2007 - 06:36

kscornell kscornell
(Posts: 4409 | Credits: 473.19)

They use chex mainly,but lot of merchants use this tele check for accepting checks.

Sub: #4 posted on Mon, 04/09/2007 - 06:38

cajunbulldog cajunbulldog
(Posts: 4859 | Credits: 424.99)

telecheck reports to ChexSystems! I never knew this until I was trying to open a new acct a couple weeks ago. I didn't have any charged off bank accounts so I ordered my chexsystems reports and apparently Telecheck reported me for writing a bad check to Wal Mart. It did show it as paid but is on chex systems for 5 years now I guess. This was a surprise to me.

Sub: #5 posted on Mon, 04/09/2007 - 06:59

Sassnlucy Sassnlucy
(Posts: 2697 | Credits: 317.14)

telecheck purchesd a bounce check and assisgned a collection agency that affiliated with them i forgot the name of the collection agency any help with this name would be apricated

Sub: #6 posted on Wed, 04/11/2007 - 21:34

perry968 perry968

(Posts: 234 | Credits: 81.55)

United Community Bank lost my deposit and sent back a bunch of checks when the money was there. telecheck messed me up good over it I intend to sue the bank big time. As far as Telecheck and Chexsystems go they are like a bunch of buzzards waiting for something to die so they can destory what is left. People work hard to do the right thing. Just as soon as something goes wrong they just can't wait to destory them. That is like buzzards. I sure don't want to be in their shoes when it's time to stand before god in the judgment. I am not judging but the bible is clear about these people will bust hell wide open.

Sub: #7 posted on Sun, 07/22/2007 - 04:43


The Bank messed up and bounched 18 Checks. I paid all them with a Money order for each. telecheck has only given me credit for one of them. I had to write them a letter with a copy of one of the money orders. They read what they want to out of the letter and give me credit for the one. The otherers they have just kelp my money and think I will pay it again. I am now seeking others who this has happened to. I want to get a group together and sue Telecheck

Sub: #8 posted on Tue, 09/11/2007 - 02:38


I recently paid on a check that I had written 2 yrs ago that I just within the last week was made aware of. My question now ,will I now be able to open a checking account,since this debt has been settled? Please let me know what the procedure is after this.My e-mail is" Thank you in advance....Ronn Powell

Sub: #9 posted on Sun, 02/24/2008 - 10:39


I think this is a good question for MCA in the banking forum. Also, maybe we could remove the email from the post?

Sub: #10 posted on Sun, 02/24/2008 - 20:19

cannr cannr

(Posts: 9317 | Credits: 1298.43)

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