What Is TeleCheck?

Last Updated: October 24, 2017 in Banking • 

TeleCheck is a service provided by a company called First Data which provides check verification and maintains a database of check-related misconduct.

Nothing is more frustrating than trying to pay a bill or purchase a product only to be rejected by TeleCheck for reasons that have nothing to do with you.

TeleCheck is hardly fair to consumers, considering so many of the reasons you can be flagged ultimately do not reflect your actions. If someone else committed fraud by stealing your checkbook or your identity, you should not be the one who has to pay the price. Likewise, you should not be denied the ability to write checks simply because you happen to fit a “risk profile.”

Thankfully you are not entirely helpless in this situation—you have the option to order a TeleCheck report and file a dispute.

How To Request Your TeleCheck Report

In order to dispute TeleCheck, you first need to know what TeleCheck has on file for you. You send a request for your TeleCheck report to the following address:

TeleCheck Services, Inc.
Attention: Resolutions Department-FA
P.O. Box 4514
Houston, TX 77210-4514

With your request, you will need to enclose proof or your identity, because this is the only way for TeleCheck to search the database for your information. Provide the following items:

  • A copy of your driver’s license
  • Your social security number
  • A daytime phone number
  • A copy of a voided check

Then simply wait for your report to arrive and check it over when it does.

How To Dispute Your TeleCheck Report

If you do discover inaccuracies in your TeleCheck report or data which is incomplete, you can dispute it. Download this form on First Data’s website, and send it to:

TeleCheck Services Inc.
Attention: Resolutions Department
P. O. Box 4513
Houston, Texas 77210-4513
Fax: 402-916-8190

Submit any additional information you have which can help First Data to make a determination in your favor.

The entire process should be complete within 30 days of the company’s receipt of your dispute. If you end up sending along additional information, that could increase the timeframe needed to 45 days. After the investigation is complete, First Data will mail you the results.

TeleCheck Codes List and Meanings

When TeleCheck issues a denial, it also provides a code which explains the reason. The two most common TeleCheck codes are Code 3 and Code 4.

TeleCheck Code 3 – If you receive this code for an attempted transaction, it means that TeleCheck did not have any specific negative information on file for you, but your check was declined for other reasons. You might get a Code 3 if you rarely write checks, or if you happen to match a risk profile in the system.

TeleCheck Code 4 – This is the code which will be issued if there is specific negative information on file for you.

Once you have your code, you can call TeleCheck's Check Writer Department (1-800-366-2425) to ask for more information on your situation.