If so, how did you fight it?
I just received 4 notification letters from what appears to be really Tele-Check or one of its affiliates. They claim that they "purchased the dishonored electronic fund transfer", gives merchant name, date authorized, and a unique reference number for each, plus the amount...
So I go dig around a bit. This does appear to be legit, except.... AFAIK, Tele-Check only approves/handles paper checks. All of these notices were addressed to me. I don't have any kind of account. My wife has a checking account, and I'm not on it. The last account that I had check writing privileges on was a joint account that the bank closed back in the 3rd quarter of 2011; had it been from that closed account, these notices would've had my wife's name on them as well.
Then the charges themselves are a little odd. while the ones for Wal-Mart might be conceivable, the fact that they were incurred on Monday and Tuesday throws a flag. We are car light, with just her income and my UI, and we keep the extra driving to a minimum due to fuel costs; she drives herself to work or we'd be putting at least 100 miles a day on the Jeep- not to mention I'm really not supposed to be driving. I'm not going to drive 25 miles r/t to go shopping when I can go only 5 r/t locally. Then there is one charge each for a couple of C-stores, neither of which I can recall going to in the last year, let alone the last month.
I know I need to contact them and go 'wtf?', but I'm also a little leery if they decide to play hardball and demand payment, I'm wonder if they can somehow keep my EBT card that my UI funds from processing? If I can't access my money, we are toast.