Trying to get info and money by Threat.

ComplaintsScamsFirst data , TRS recovery

Complaint

0
lane
Country: United States
I lost about $80 from a brand new Montana bank account (hadn't activated my debit card yet, they used a routing number) in a Fraudulent purchase from "Amazon Internet Marketplace" I filled out a Form at my Bank in person and the money was refunded. These guys (first data and TRS recovery) are now trying to collect that debt or get my SSN, Driver License number, bank routing number, CURRENT address, phone number, Full name, and Notarization. They already have way too much info that i didn't give them.

Comments

  • 0
    lane
    i used a disposable phone number available from the app textnow to call First Data, TRS recovery services, inc. at 713 567 0499 and reached a live person by staying on the line without pushing any buttons when it said to.
  • 0
    FDCPA dispute..
    | 2 replies
    TRS Recovery is a debt collector, subject to FDCPA.  They are required by law to send you a letter within 5 days of first contact, notifying you of the alleged debt, and that you have the right to dispute it.  They're also required to obtain proof of the alleged "debt" from the original creditor (Amazon) if you request it, or cease collection of it if they can't or until they do.
    They are associated with another company, Telecheck, also part of First Data, that acts as a credit reporting agency for the checking transactions that TRS Recovery collects on for merchants.  Telecheck is subject to FCRA/FACTA, and must provide you with a copy of your credit file if you request it, and take disputes, "investigate", and correct errors, or they can be held liable for damages.  FACTA outlines the responsibilities for "data furnishers" (such as debt collectors like TRS) and credit reporting agencies (such as Telecheck) in properly and timely handling disputes of fraudulent "debt".
    • 0
      Proceed as follows.. replies to FDCPA dispute..
      You had a fraudulent charge.  You filed a fraud dispute with your bank, as is your right under FRB Reg. E, and your bank reversed the charge.
      Since the charge was fraudulent, yet TRS Recovery is demanding payment as if you made it, file a complaint for id theft, bank theft, and fraud with your local police or sheriff department to document the incident, and get a copy of the police report.  Since there are penalties for filing false police complaints, this report documents that you have reported the theft attempt, and is important for disputing fraudulent transactions under FACTA.
    • 0
      Then.. replies to FDCPA dispute..
      Demand that TRS Recovery send you the required FDCPA "g" letter, and send a letter, mailed certified, disputing the "debt" due to the fraudulent charge.  Demand all information on the fraudulent transaction, such as the date, amount, name of the actual merchant, name used by the thief to make the "purchase", shipping address to which the merchandise was sent, etc  (You have a right to this under FACTA.)
  • 0
    Then..
    If they continue to demand payment, failing to provide proof you owe it, or information on the fraudulent transaction, contact an attorney, as you may be able to sue them.  That may be the most effective way to make them go away, since they can play games forever if it doesn't cost them.  Your can find a consumer attorney in your state through www.naca.net

Post a new comment