Just got done dealing with a somewhat disturbing situation. I was at a local Super Wal-Mart attempted to pay for my purchase with a check.
The checker was obviously new (he kept referencing a hand-written guide on how to use the register) and had some trouble feeding my check through their scanner.
The scanner, the first several times he attempted to read the check, refused to scan the check (for whatever reason). The checker called his supervisor who did something on the register, at which point the scanner accepted the check. However, after it scanned the check預lmost instantly葉he register responded that my check had been declined.
This, of course, came as somewhat of a shock to me. The checker tried the process a couple more times, but each time the check was declined. He couldn't tell me why (whether because he really couldn't, or just didn't know how, I don't know).
I ended up paying with cash (good thing that I had enough on me; I normally don't carry much cash around with me) and took my check and one of the little declined receipts that the register spit out to Wal-Mart's Customer Service desk. I explained that my check had been declined, but the checker couldn't tell me why and asked if she could. After briefly looking into it, she informed me that I had a history of writing bad checks at Wal-Mart and therefore they would no longer accept checks from me. Needless to say, I was now shocked again. If I had been writing bad checks, I certainly didn't know it (and, indeed, I knew that I had NOT been)!
She gave met the 800 number for TeleCheck, the service they use for their check processing. I thanked her for her time and went home to call the number.
Turns out the 800 number is an automated system only. It prompted me to provide it with various numbers (such as account number, bank routing number, social security number, phone number, zip code, etc), a process that took probably three or four minutes counting time to navigate through the menu system, only to tell me it had no information regarding the reason for the decline.
The system then told me that if I wanted additional information about the decline, I could write a letter to the company and gave me the mailing address for TeleCheck.
Now, the way I see it, if the system knows enough to decline my check at Wal-Mart, then it should know enough to tell me why it was declined when I called their number. But, then again, I'm the criminal here (as it appeared), so why make it easy to find out anything?
I searched through the rest of the system's menu system and found no path to actually speak with a person (again, why make it easy?). So, I checked out the company's website. After a brief bit of searching, I found some other phone numbers to TeleCheck other than that provided by Wal-Mart. Many of these numbers just dumped me back into the same automated system, but one of them actually connected me (after a brief wait) with a real person.
I explained the situation to the man on the other side of the phone and let him know their automated system couldn't tell me why my check had been declined. After providing him with much of the same information as the automated system asked for, he was able to tell me that the problem actually appeared to be an error on their part. It seems my account number had been linked with another person's information somehow. After much apologizing on his part, he told me that he had, while he was explaining what had happened, fixed the problem and I should be okay now.
This whole thing has disturbed me a bit. The idea that a mistake like that that can have such an adverse effect on someone can occur without warning scares me. Granted, the company appears to have made things right with (after the fact) relatively little fuss, but why did this happen in the first place?
I have always had a problem with the idea that a company like this or the credit agencies like EquiFax and the like hold so much power over us. One mistake can cause a lot of problems for someone who has never done anything wrong. In this instance, the problem was fairly easy to fix once it had been identified, but I know from experience that fixing things with the credit agencies can be much more difficult.
I'm not sure this is the best system we could come up with to help protect companies from those with bad credit histories or other financial problems. But, I suppose these companies really have no interest in making things better for those whose lives they actually effect, deferring instead to the idea that retailers and mortgage-lenders are much more important.
At the same time, however, I really have no ideas on how to make the system better, so really I guess I'm just ranting here. But, a good rant now and then never really hurt anybody.