I live in a very small city with a small walmart and a united supermarket and we have 3 convenience stores. Many small towns are around us in 30 mile radiuses but the major cities are 2 hours away.
I recently have had trouble with stores accepting my checks through telecheck. One check was overwritten due to my error on black friday 2012. It cleared 3 days later and telechec k passed their charge 10 days later. I called their 800 number and there was nothing negative on the account.
Since then I have attempted to write2 checks at Rue 21, 2 checks at Walmart and a check at Shell gas station, all of which did not go through. Telecheck said that it has nothing to do with bad debt, I don;t owe them anything but that my account is not passing their screening process. Reasons: possible low check number (one thousands), check history, time and place of where and when I am writing the checks. They said it has nothing to do with the bank.
Each check will be reviewed on an individual process at the time of attempting to write a check.
Their suggestion is to wait another 5 days without trying to write a check off of this account.
Well, it appears that Telecheck has a monopoly in this city as well as having bad business practices.