Sam's Club did not accept my check because of TeleCheck. "Reason: 02 1-866-941-xxxx/CODE 3". I barely had enough cash to purchase the items after the cashier could not get approval on my $200 check.
I called Telecheck as soon as I got home. They said the denial was because my "pattern of use" and "lack of history" failed their approval guidelines. I usually pay cash, except at Sam's or Costco, so not using checks often means you CAN'T use checks. That's not credit approval, that's denial of service.
I could not use my check SIMPLY because I don't use checks often! My driver's license was valid, my address was good, we have no bad checks showing, etc. We have started paying recurring bills electronically, so fewer checks are being written on this account now.
Other people have been denied because of writing TOO many checks, we were denied because of too FEW. How is this "credit approval" or "identity verification"?
Most (all?) of the complaints about TeleCheck cite Sam's Club or Walmart. Have the Walmart financial guys imposed extra rules or does TeleCheck deny customers everywhere based on their ridiculous and foolishly simplistic rules?
Read this article about Walmart and you'll see how their "lower costs above all" attitude is turning customers away. http://business.time.com/2013/04/09/the-trouble-lu
I know that Costco will see me more as I avoid Sam's Club from now on. If you don't want my check, you don't want my business - my rules can be just as simple and self-serving as TeleCheck's.