TRS collection Agency Scam
Complaint
Linda
Country: United States
They call my house 3 or 4 times a day and leave long winded messages and leave a 1-866# and then they won't talk to you they hang up on you. I finally got a couple of people today and they hung up on me. They want my License # - which I would not give them - they said they are calling about a Store Family Dollar - which I have only shopped there once for an $8.64 ck they Family dollar EFT out of my account and then took the ck out of my account - I fought this with my bank -they found Family dollar in Error and returned the $8.64 to my account - I cannot talk to these people and they are going to owe me more that $8.64 when I get done.
Comments
TRS Recovery is a debt collector, as defined in state and federal debt collection law (FDCPA). TRS Recovery has numerous complaints of improper charges and debt collection harassment on this site, and some AGs (such as the Florida AG) are investigating consumer complaints against them. There are also indications in consumer complaints that they fail to follow FDCPA notification and dispute requirements.
Contact your state Attorney General for assistance.
If you have additional problems, contact an attorney with experience in FDCPA and FCRA litigation. Both laws allow courts to award damages and attorney fees if you prevail. You might try www.naca.net
Let us know
http://dockets.justia.com/search?q=TRS+Recovery+Services%2C+Inc.
Numerous complaints against TRS Recovery attempting to collect on alleged bad checks from the wrong people, while refusing to validate. The complaints in this article are consistent with complaints of erroneous debt collection and harassment on this site as well.
http://www.khou.com/news/investigative/defend ... y-94745514.html
"...
Our next mailbox mystery? A letter from Telecheck subsidiary TRS Recovery Services, Inc. to consumer Michael Redditt Jr. It was demanding to collect $353.
"They kept telling me ‘it’s you, it’s you, it’s you,’" Redditt said.
And again, this consumer said Telecheck refused to show any proof the debt was his.
"They kept saying it’s your driver’s license, it’s your driver’s license, it’s your driver’s license," Reddick said.
But ultimately, months after the initial collection letters were mailed out, Telecheck reversed course in both Weaver’s and Redditt’s cases. The company conceded it made a mistake, saying their driver’s license numbers were "inadvertently associated with a Telecheck file belonging to another party."
So how could it happen? Neither Telecheck nor its parent company First Data would talk about specific cases, and only would comment in general terms.
"Incorrect linking can be a result of a clerical error, say for example, a cashier incorrectly types a driver’s license number at the point of sale," said company spokesperson Glen Turpin.
..."
They appear to be incompetent and screwed up, failing to employ adequate verification procedures to avoid harassing the wrong people in the first place, or even to fix problems brought to their attention. That indicates inadequate compliance with FDCPA requirements for handling disputes and verification. Based on rising level of lawsuits, consumer attorneys appear to be on to them.
Dispute their erroneous debt claim IN WRITING, mailed certified, and demand that they send proof. If you continue to get harassing calls, or they trash your credit, file complaints with FTC, your state Attorney General, the Texas Attorney General, and then contact a consumer attorney immediately. You might try www.naca.net
Incredible.. so far, I've been able to put it back on them
Send TRS a letter disputing the alleged debt. Send your dispute certified return receipt requested, so you have proof of when you mailed it, and when they got it. Indicate that it was reversed due to being an unauthorized duplicate charge, and that this has been verified by the gas station. If you disputed within 30 days of receiving their first letter, then they are required by FDCPA to cease collection until they obtain proof from the original creditor and send it to you.
TRS has a habit of ignoring validation requests and engaging in harassing calls. It is related to Telecheck, which is a credit reporting agency primarily reporting bounced checks, so they will probably post a negative item on your Telecheck report, which may interfere with your ability to open new bank or checking accounts.
If TRS fails to resolve their error, file complaints with FTC and your state Attorney General. In addition, contact Telecheck and get a copy of your credit file through them. (They should provide it free.) If you find negative information from TRS regarding this error, file a dispute with Telecheck. If TRS "verifies" the error, then TRS is liable under FCRA for the credit damage caused by posting it, as well as actual and statutory damages under FDCPA for "continued collection without validation".
File complaints with FTC, and your state Attorney General. Due to sloppy compliance practices, it is likely that you will need to do this to even get a serious response from TRS, as they are used to getting money even when it is unowed, due to their sister credit reporting agency.
Should you have further problems, do not delay in contacting a consumer attorney. A number of them have made a lucretive practice out of suing TRS, due to their lax collection and credit reporting compliance. You might try www.naca.net
I set them a validity request letter and I just got their letter a few days ago. I have already filed a complain with the Attorney General and waiting on their reply. Meanwhile I'll mailed them everything I have which is the cancelled receipt and the true receipt for the gas that was purchase. It's not much $50+ but why should I? I'll follow your advice.Thanks again.
If you continue receiving calls, and don't receive any letter, file a complaint with FTC and your state Attorney General. Include in your complaint that they have failed to notify you as required by FDCPA, and that they are harassing you over an alleged debt you do not owe.
If problems continue, get an attorney. FDCPA allows courts to award statutory and actual damages, and attorney fees, so there are attorneys who take such cases on contingency. You might try www.naca.net to find an attorney in your state.
I asked the representative that called today and she stated that she could not give me that information. Their phone calls are becoming harrassing, calling at least 3 times a day and any other company that has ever attempted to collect a debt has done so in writing if they have called.
Corporate Offices
5251 Westheimer
Houston, Tx 77056
Phone:713-567-0499
TRS Recovery Services, Inc.
P.O. Box 4812
Houston, TX 77210-4812