UnknownCharges

ACH Standard Entry Class (SEC) Code

TEL (Telephone-Initiated Entry)

TEL
08/05 CONEDISON OF NY TEL PMT $45.20

要約

TEL (Telephone-Initiated Entry). TEL represents an ACH electronic debit authorized orally over the telephone between a consumer and a merchant or financial representative.

重要：このコードが意味しないもの

TEL does not mean a telephone company (like AT&T or Verizon) charged you, nor is it a phone bill fee. It simply describes the medium of payment authorization (phone call).

TEL の詳細解説

TEL is used when a consumer gives oral authorization over the phone to have funds debited from their checking account via ACH.

Nacha operating rules strictly mandate that originators of TEL debits must either record the entire oral authorization phone call or provide a written confirmation to the consumer prior to the settlement date.

Commonly occurs when calling an insurance company, utility provider, or medical billing office to make a one-time payment over the phone using checking account and routing details.

実際の加盟店を特定する方法

  1. ステップ 1 Check the company name listed beside 'TEL' on your statement line.
  2. ステップ 2 Recall any phone calls you made to customer service or billing departments where you provided check details (routing and account numbers).
  3. ステップ 3 Request an audio copy or written transcript of the authorization from your financial institution or the billing company if you do not recall authorizing the payment.

代表的な明細表記パターン

  • CONEDISON OF NY TEL PMT
  • PROGRESSIVE CAS TEL DEBIT
  • QUEST DIAGNOSTICS TEL BILL
  • WELLS FARGO AUTO TEL PAY

検証ソース