Business Profile

Collections Agencies

TRS Recovery Services, Inc.

This business is NOT BBB Accredited.

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Complaints

This profile includes complaints for TRS Recovery Services, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

276 total complaints in the last 3 years.
62 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:07/08/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
August, 2024 $441.32 was stolen from my daughter ******** ************************** account to purchase online items from *******. No items were sent or received. My bank upon discovery of missing money recovered her funds. ********* hired *** to acquire monies back.
Business Response
Date: 07/16/2025
IMPORTANT NOTICE:
REFER TO TRACKING NUMBER
625404
IN ALL FUTURE CORRESPONDENCE

July 16, 2025

***** *. King
*************************;
*******, ** 78574

RE: BBB Case # ********
Original Creditor: **************** Pay by Bank B2C
Assigned Creditor: TeleCheck Services LLC
Reference Numbers: 44-242484425117, 44-242484425127, 44-242484425129, 44-242484425145, 44-242484425146, 44-
242484425067, 44-242484425112

Dear Ms. ***************************************** (TRS) has received your BBB complaint regarding the reference numbers mentioned above and your request for a Cease-and-Desist. *** has updated our systems accordingly and you will receive no further contact from ***. Please note, however *** reports all active debt items to its affiliate ********* Services, LLC, a specialty reporting agency. Accordingly, these items may affect your ability to write checks or open a bank account with merchants working with ********* until resolved. As detailed below, we have tried to resolve this issue with you but to date, you have not returned the declarations previously provided. We are attaching it again in the hope that we can resolve and close these items out.1

We also believe the issue with the above referenced items was already addressed in our previous correspondence of May 22, 2025, which you included a copy of that letter with your complaint, that also included attached a prefilled TRS Forgery/ID Theft Declaration for you to review and if desired, sign and return to TRS to allow it to update these items as the product of forgery, fraud, or identity theft, and close them in its system. On October 31, 2024, you were also sent a letter with a prefilled Declaration enclosed. I have enclosed a copy of this letter for your review.

As of this date, TRS has not received the completed and signed Declaration, as requested in that May 22, 2025, and October 31, 2024, letters. I have enclosed another TRS Forgery/ID Theft Declaration. Upon your review of the Declaration, you will note that *** has pre-filled much of the information in the Declaration. To complete the form, you just need to review the form and confirm its accuracy. If it is accurate, please check the appropriate boxes, sign the form, date the form, and send it back to the address on the form. If you prefer to use something else, any or all of the below pieces of information would also assist us:

a copy of a filed police report listing all disputed items;
a completed FTC Identity Theft Report Affidavit available at ***********; or
a completed bank affidavit or declaration.

Be assured that information you provide is legally protected from unauthorized disclosure. You may fax this information to **************. Please provide a phone number where you may be reached during business hours if we have questions. If we do not hear back from you with further information regarding these items or with the completed Declaration, TRS will assume that you no longer dispute these items.

If I can answer any other questions about this matter, please feel free to call me directly at ************** or contact our ******************** at ************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET. Thank you for assisting TRS in maintaining the accuracy of its records.

PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TRS.

Sincerely,

****** ********
Senior Processing Specialist
TRS Recovery Services, Inc

___________________________________________________________________________

1 For background, our affiliate TeleCheck Services, LLC (*********) is a specialty reporting agency and check warranty company that works with merchants that wish to accept payment by check, Pay by ****, or electronic check. Once a check transaction is accepted by ********* at the point of sale, it warrants the item for non-payment. This means if a transaction (check or electronic debit/check) returns from the bank unpaid, ********* will pay the merchant for the item as part of its warranty, take ownership of the item, and assign it to TRS for collection.
Initial Complaint
Date:06/25/2025
Type:Product Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On May 15th I placed an Amazon order with a seller called luckland For cheeky cotton rounds that I had ordered before but unsure if from this seller. the package didn't come I checked and saw that they used the wrong bank account number there was money in that account and the account that I actually placed the order from was my bank card as credit nothing came. I checked and the seller said unavailable. I asked the seller the question about the wrong account they never contacted me back. today is June the 25th I get home and I get a letter from TRS recovery services that I owe ***** + $20 fee for $41.18 I owe them for Amazon marketplace payments. I never received anything from ****** marketplace. I learned from ****** that luckland is a third party seller I never received my cotton rounds no money tried to come out of either one of my accounts so I don't understand how this tsr recovery scam place is trying to make me pay Money I don't owe for cottond rounds I ordered and never got. I called them they hung up. I called again they Connected me to something that then hung up. I don't owe them any Money, no Money came out of either one of my accounts no product was sent to me that I ordered and I called Amazon today and they told me it was a third party seller and that the seller had not sent anything out and that they would look into things and then cancel things from their end this TSR is a scam I don't owe them any money and I don't see where they're getting that from Nothing went through my accounts that was negative and I have screenshots to prove it
Business Response
Date: 07/10/2025
IMPORTANT NOTICE:
REFER TO TRACKING NUMBER
623856
IN ALL FUTURE CORRESPONDENCE

July 9, 2025

****** McCloud
***************************;
**********, ******* 47711

RE: BBB Complaint # ********
Original Creditor: Amazon Marketplace Pmts
Current Creditor: Amazon Marketplace Pmts
Reference Number: 44-251614425014

Dear Ms. ******************************************** (TRS) has received your BBB complaint disputing the above-referenced item assigned to TRS for collection. We apologize for any confusion or inconvenience you have experienced due to this matter. However, we want to reassure you our communications with you are not a scam, but rather the result of an item assigned1 to us by ****** for collection after a payment you attempted to make on ****** returned unpaid from the bank.

Based on the information provided to us, we reached out to ****** noting your contention that you never received the items you attempted to purchase. ****** responded and confirmed that we should close the item in our system and cease efforts. Accordingly, the status of this account has been closed in all of ************ In addition, this information was provided to *** affiliate *********************************** (*********), a specialty consumer reporting agency, and the status of the debt was also updated in TeleChecks database. Accordingly, you no longer have any responsibility for this item and will also receive no further communication regarding this matter. Below is a summary of the item as it now appears in our system:

Transaction #:
Date:
Amount:
Original Creditor:
Current Creditor:
Fee:
Status:

If you have any further questions or concerns, you may reach me directly at ************** and our ******************** at
************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET. Thank you for assisting TRS in maintaining the accuracy of its
records.

Sincerely,

Lenorra Johnson
Collections Team Lead
TRS Recovery Services, Inc.

______________________________________

1 TRS is specifically referenced on Amazons website and you can find the relevant webpage with a search or using the following link: ****************************************************************************
Initial Complaint
Date:05/21/2025
Type:Product Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
****** *******, made two purchases from ****** and gave my address as the billing address. They are not my purchases. When I tried explaining this to the representative at ***, they asked for my driver's license number which I mistakenly gave them. I was told the could not find me in their system and asked for my banking information (account number and routing number) and my social security number. I lwas not comfortable giving them that info. Then they asked for my phone number, I refused. They said they could not help me unless I gave them my personal information and that's when I told them I would be contacting you.They have the purchasers information. Why are they coming after me?I want this dropped and removed from my credit if they have filed a claim.
Business Response
Date: 05/30/2025
May 29, 2025

****** ********
************************************************************************************

RE: BBB Complaint# ********
       Original Creditor: ********** Services ****,Amazon Marketplace Pmts
        Current Creditor: ********** Services ****,Amazon Marketplace Pmts
        Reference Number: 44-250914425857, 44-250934427060

This is a communication from a debt collector.
This is an attempt to collect a debt.
Any information obtained will be used for that purpose.
SEE ENCLOSED FOR OTHER IMPORTANT INFORMATION

Dear Mr. *************************************** (TRS) has received your BBB complaint regarding the above-referenced items. *** certainly understands and apologizes for any frustration in our attempt to collect the above-referenced items that ****** assigned to us for collection after they notified us the payments returned from the bank. After review of your dispute,a brief explanation of these items and our validation of these items is warranted.

We understand from your complaint that you believe that someone by the name of ****** ******* may have used your account without your knowledge or permission.[1]

Based on the information you provided; we contacted ****** and are providing you a copy of the receipts and shipment details provided by ****** for your review and as validation of these items; please review it carefully.

If after reviewing this information you do not believe these are your transactions or debts, we ask that you notify us,providing what information you have which substantiates your claim of forgery,counterfeiting, or identity theft. To assist you, I am enclosing a prefilled TRS Forgery/Identity Theft Declaration that you can use. You just need to review the form and confirm its accuracy. If it is accurate, please check the appropriate boxes, sign the form, date the form, and send it back to the address on the form. If you prefer to use something else, any or all of the below pieces of information would also assist us:

              a copy of a filed police report listing all disputed items;
              a completed FTC Identity Theft Report Affidavit available at ***********; or
              a completed bank affidavit or declaration.

Be assured that the information you provide is legally protected from unauthorized disclosure. You may fax this information to **************. We also ask that you provide a phone number where you may be reached during business hours if we have questions. If we do not hear back from you with further information, we will assume that you no longer dispute these items or the validation that we have provided.

If we do not hear back from you with further information, we will assume that you no longer dispute these items. At present, therefore, our records indicate the following active items in our system:

Trans. # Date Amount Original Creditor Current Creditor Rcvd by TRS Fee Total Due
44-250914425857 3/27/2025 $16.32 Amazon Marketplace Pmts Amazon Marketplace Pmts 04/01/2025 $25.00 $41.32
44-250934427060 3/31/2025 $29.58 ********** Services **** ********** Services **** 04/03/2025 $25.00 $54.58

Finally,please note *** does not report to any of the major credit reporting agencies,specifically Experian, **********, or Equifax; therefore, this matter should not have any negative effect on your credit rating with those agencies. *** does however report to its affiliate ********* Services, LLC, a specialty reporting agency. Therefore, these items may affect future check transactions at any ********* subscribing merchant or financial institution until it has been resolved.

If you have any questions or would like to discuss this matter directly with me,please call me at ************** you can also reach our ****************** at ************** or our ******************** at ************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET.

PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TRS.

Sincerely,

****** ********
Senior Processing Specialist
TRS Recovery Services

Enclosures

[1] Transactions were processed on a closed account with *********************** checking account (routing #******************* ending in ****4603.
Customer Answer
Date: 06/04/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

None of ***'s information has anything to do with me. She was defrauded, NOT ME. Somebody put my name and address as the purchaser and I am guilty until proven innocent? What kind of ** is that? This company is fighting for the fraudsters and they need to cease and decist immediately.

Regards,

****** ********
Business Response
Date: 06/12/2025
Please see attached and prior response regarding the items needed to assist in a resolution.

IMPORTANT NOTICE:
REFER TO TRACKING NUMBER
619681
IN ALL FUTURE CORRESPONDENCE
****** ********
*****************
***********************

RE: BBB Complaint# ********
       Original Creditor: ********** Services ***** Amazon Marketplace Pmts
        Current Creditor: ********** Services ***** Amazon Marketplace Pmts
        Reference Number: 44-************, 44-************

This is a communication from a debt collector.
This is an attempt to collect a debt.
Any information obtained will be used for that purpose.
SEE ENCLOSED FOR OTHER IMPORTANT INFORMATION

Dear Mr. ************ style="color: rgb(0, 0, 0); font-family: proxima-nova, Verdana, sans-serif;">
TRS Recovery Services, Inc. (TRS) has received your BBB complaint regarding the above-referenced items. *** certainly understands and apologizes for any frustration in our attempt to collect the above-referenced items that ****** assigned to us for collection after they notified us the payments returned from the bank. After review of your dispute, a brief explanation of these items and our validation of these items is warranted.

We understand from your complaint that you believe that someone by the name of ****** ******* may have used your account without your knowledge or permission.[1]

Based on the information you provided; we contacted ****** and are providing you a copy of the receipts and shipment details provided by ****** for your review and as validation of these items; please review it carefully.

If after reviewing this information you do not believe these are your transactions or debts, we ask that you notify us, providing what information you have which substantiates your claim of forgery, counterfeiting, or identity theft. To assist you, I am enclosing a prefilled TRS Forgery/Identity Theft Declaration that you can use. You just need to review the form and confirm its accuracy. If it is accurate, please check the appropriate boxes, sign the form, date the form, and send it back to the address on the form. If you prefer to use something else, any or all of the below pieces of information would also assist us:

              a copy of a filed police report listing all disputed items;
              a completed FTC Identity Theft Report Affidavit available at ***********; or
              a completed bank affidavit or declaration.

Be assured that the information you provide is legally protected from unauthorized disclosure. You may fax this information to **************. We also ask that you provide a phone number where you may be reached during business hours if we have questions. If we do not hear back from you with further information, we will assume that you no longer dispute these items or the validation that we have provided.

If we do not hear back from you with further information, we will assume that you no longer dispute these items. At present, therefore, our records indicate the following active items in our system:

Trans. # Date Amount Original Creditor Current Creditor Rcvd by TRS Fee Total Due
44-************ 3/27/2025 $16.32 Amazon Marketplace Pmts Amazon Marketplace Pmts 04/01/2025 $25.00 $41.32
44-************ 3/31/2025 $29.58 ********** Services **** ********** Services **** 04/03/2025 $25.00 $54.58

Finally, please note *** does not report to any of the major credit reporting agencies, specifically Experian, **********, or Equifax; therefore, this matter should not have any negative effect on your credit rating with those agencies. *** does however report to its affiliate ********* Services, LLC, a specialty reporting agency. Therefore, these items may affect future check transactions at any TeleCheck subscribing merchant or financial institution until it has been resolved.

If you have any questions or would like to discuss this matter directly with me, please call me at ************** you can also reach our ****************** at ************** or our ******************** at ************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET.

PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TRS.

Sincerely,

****** ********
Senior Processing Specialist
TRS Recovery Services

Enclosures

[1] Transactions were processed on a closed account with *********************** checking account (routing #******************* ending in ****4603.
Initial Complaint
Date:05/05/2025
Type:Product Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Theyre stating I made a transaction using a check at ******* and it did not go through and that is called. I dont even own paper check.
Business Response
Date: 05/16/2025
IMPORTANT NOTICE:
REFER TO TRACKING NUMBER
617862
IN ALL FUTURE CORRESPONDENCE

May 15, 2025

****** Smith
******************;
********, OK 74447

RE: Complaint No. ******** / ****** *****
Reference Number: 44-251054426478
Original Creditor: Walmart
Current Creditor: Telecheck Services, LLC

Dear Mr. ***************************** has received your BBB complaint regarding a letter received for a failed transaction to ******* Pay by ****. I would like to sincerely apologize for any inconvenience or frustration you have encountered regarding this issue.

For background, TeleCheck is a check acceptance and check processing company which works with merchants nationwide who wish to accept payment by check. For some merchants like *******, customers can tie their account to a checking account as a form of payment. Those transactions are electronically processed like a check even though no check is actually involved. Here, TeleCheck processed the above transaction which returned unpaid. When the item returned, ********* warrantied the item for the merchant and assigned it to its affiliate TRS Recovery Services, Inc. for collection. Please find attached the validation of the transaction provided by ********

The check transaction in question was not able to be processed due to incorrect bank information. Below is a summary of the active item in our database:

Consumer Name: ****** Smith
Acct # (Last 4): ***9432
ID# (Last 4): N/A
SS# (Last 4): N/A
Check #: 99629864
Original Creditor: Walmart
Check Date: April 11, 2025
Amount $: $44.02
Current Status: Active

If you would like to make a payment on this item, please contact our ************************** at **************. You can also mail a cashiers check or money order to TeleCheck Services, LLC. via its affiliate TRS Recovery Services, Inc., at the following address:

TRS Recovery Services, Inc.
ATTN: TELECHECK ADMINISTRATIVE RETURNS
P.O. Box 661024
****************-1024

If you have any questions or concerns, please call me directly at ************** or by email at ************************** You may also contact our ******************** at ************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET. This would be the best time to reach a supervisor if additional assistance is necessary.

PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK.

Sincerely,

******* Baker
Consumer Resolution Services
Initial Complaint
Date:04/21/2025
Type:Service or Repair Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
TRS recovery services is attempting to collect a debt for ****** for a transaction I made on Dec 9th, 2024. They are saying the payment method used was not valid, but I see in my end that the payment went through by ****** on Dec 18th, 2024. They gave me a reference number of **************. The so called debt is in the amount of $71.64. I have disputed the charge and provided documentation, but received another letter stating that the debt is still in an active status. I even called ****** to ask about this, and they didnt know anything about it and said the charge did go through in that amount on Dec 18th, 2024. I do believe I am being falsely charged and wonder if this is in fact even a legitimate company.
Business Response
Date: 05/05/2025
IMPORTANT NOTICE:
REFER TO TRACKING NUMBER
616433
IN ALL FUTURE CORRESPONDENCE

May 2, 2025

******* Leiker
**********************;
*****, ** 14001

RE: BBB Complaint# ********
Original Creditor: Amazon Marketplace Pmts
Current Creditor: Amazon Marketplace Pmts
Reference Number: 44-243594425075

This is a communication from a debt collector.
This is an attempt to collect a debt.
Any information obtained will be used for that purpose.
SEE ENCLOSED FOR OTHER IMPORTANT INFORMATION

Dear Ms. ******************************************* (TRS) received your BBB complaint regarding the item referenced above. *** certainly understands and apologizes for any frustration in our attempt to collect the above-referenced item that Amazon1 assigned to us for collection after the payment returned from the bank. In our experience, ****** customer service personnel is not always aware when a payment made to a vendor on ******* website has returned unpaid. Thus it may appear to them that there is no debt owed to ******, however, there is still an open debt owed based on a return payment to one of the merchants selling on ******. That is what appears to have happened here.

For background, when a consumer sets their account with ****** it can be tied to a checking account as a form of payment. Transactions are electronically processed like a check even though no check is actually involved. When the checking account is selected as a form of payment it is applied to the transaction, which can directly be with ****** or with one of its associated vendors.

TRS records indicate this transaction was processed on December 9, 2024, for $71.64. The transaction returned unpaid by the bank because of a stop payment and processed on a ******** checking account ending in ****1994.

We contacted ****** to verify the transaction and the shipment of the products. ****** verified that part of your order in the amount of $31.32 was cancelled and that the amount that is due is $40.32. *** has made the adjustment to reflect the cancelled order leaving a balance due of $40.32. We have enclosed a copy of the receipt and shipment details provided by ****** for your review. Please call ****** if you have concerns or further questions at ************.

Again, as this was not a traditional check which was used, but rather processed as an electronic check. These documents reflect the purchase and sale of the items. Accordingly, our records indicate the following active debt:

Trans. #:
Date:
Amount:
Original Creditor:
Current Creditor:
Rcvd by TRS:
Credit:
Total Due:

______________________________________
1
Please visit **************************************************************************** for more information
regarding TRS relationship with ****** and where a statutory return check fee may be applied.

Please review the validation carefully. If after review of the validation you determine that this debt is valid and you would like to make a payment, you may call ****************************** at ************** or you can mail a cashiers check or money order to the following address:

TRS Recovery Services, Inc.
PO BOX 9109
****************************;

Please include the reference number on the payment to ensure posting accuracy. *** will assume you agree with the information in this letter and do not dispute the validation unless you contact us to provide additional information for our review.

If we do not hear back from you with further information, we will assume that you no longer dispute this item or the validation that we have provided.

Be assured that information you provide is legally protected from unauthorized disclosure. If I can answer any other questions regarding this or any other items, please feel free to reach out to me directly at ************** or our ******************** at ************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET. Thank you for assisting TRS in maintaining the accuracy of its records.

PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TRS.

Sincerely,

****** McGlamry
Senior Processing Specialist
TRS Recovery Services

Enclosures
Customer Answer
Date: 05/05/2025
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Regards,

******* ******
Initial Complaint
Date:04/20/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I received a scam letter that I owe money to this creditor! I have a credit score of 805, I pay my bills. I called ****** and they confirmed this is a scam. They try to get you to enter your personal information, including banking information, on their website. Dont do it!!! Someone needs to stop this company from scamming people. I did not pay them money, I want them to stop contacting me.
Business Response
Date: 05/06/2025
IMPORTANT NOTICE:
REFER TO TRACKING NUMBER
616060
IN ALL FUTURE CORRESPONDENCE

May 6, 2025

***** Donald
*********************;
******, ********** 95630

RE: BBB Complaint No. 23228285
Original Creditor: Amazon Marketplace Pmts
Current Creditor: Amazon Marketplace Pmts
Reference number: 44-250914425790

This is a communication from a debt collector.
This is an attempt to collect a debt.
Any information obtained will be used for that purpose.
SEE ENCLOSED FOR OTHER IMPORTANT INFORMATION

Dear Ms. ******************************************* (TRS) has received your BBB complaint disputing the above-referenced item. While TRS certainly understands and apologizes for any frustration in our attempt to collect the above-referenced item, our communication to you was not a scam, but rather the result of an item ****** assigned to us for collection after they notified us the payment returned from the bank.

To clarify, TRS1 provides debt collections services for merchants across different markets. We are not a credit reporting agency, nor do we report to the main credit reporting agencies, i.e., **********, ********, and Equifax, so there should be no effect to your credit score as a result of this outstanding item.

As part of our investigation, we reached out to the ****** to obtain verification of the transaction. Enclosed, please find a copy of the Transaction Invoice and shipping details provided by ****** for your review and as validation for this item. Please review the validation carefully as the billing address information matches the shipping address information. For background, the item in reference was a transaction initiated2 with Amazon Marketplace Pmts on March 26, 2025, for $154.33 from a The Golden 1 ************ account ending in ***2966. After this transaction returned unpaid from the bank as hold on funds, the item was subsequently assigned by ****** to *** for collection; a $25.00 statutory return service fee was added. Below is a summary of the active item as it now appears in TRS' system:

Transaction #: 44-250914425790
Date: 03/26/2025
Amount: $154.33
Original Creditor: Amazon Marketplace Pmts
Current Creditor: Amazon Marketplace Pmts
Fee: $25.00
Total Due: $179.33

After reviewing this information, if you would like to make a payment, you can choose one of the following options: (1) you may call ****************************** at **************; or (2) you can mail a cashiers check or money order to the following address:

_______________________________

1. For more information regarding our services please visit our website: ******************************
2 When a consumer links their ****** account to a checking account, transaction(s) are processed electronically, similar to a check. This payment method can be used for transaction(s) with ****** or its associated vendors. If the transaction(s) returns from the bank, ****** will assign the returned item(s) to TRS Recovery Services, Inc. (TRS) for collection. Please review the following link for further explanation:
*********************************************************************************;

Please include the reference number on the payment to ensure posting accuracy.

However, if after reviewing this information, if you believe this debt is a result of forgery, fraud, or identity theft, please provide any or all the following information to support your fraud claim:

(1) TRS's Forgery/Identity Theft Declaration form (form enclosed with this letter) which can also be submitted on *** website at ******************************. The form can also be downloaded, completed, and mailed;
(2) copy of a filed police report, which identifies the debt in question;
(3) complete an online questionnaire on the *** website (***********) by following these steps: Click on the "Report Fraud" tab, complete and submit online form, provide a copy of the *** report including the *** file number; or
(4) a completed bank affidavit or declaration. The document should be on bank letterhead, include the details of the debt associated with the dispute, and be signed by a bank representative. The document should confirm that the debt is the result of forgery/fraud/identity theft.

TRS will assume you no longer dispute this item, or the information and validation enclosed with this letter, unless you contact us to provide additional information for review. Additionally, please be assured that all information provided to *** is legally protected against unauthorized disclosure and requested solely for the purpose of verifying your identity with the attached debt item.

Please note TRS reports active items to TeleCheck Services, LLC (*********) until resolved. This may hinder a consumers check writing ability with those merchants and banks utilizing ********** check acceptance or account screening ********************.

Finally, TRS has received your request that we cease and desist communication with you regarding the item and your account has been updated in our system to reflect the same.

If you have any further questions or concerns, please feel free to reach out to me directly at ************** or our ******************** at ************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET.

PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TRS.

Sincerely,

Lenorra Johnson
Collections Team Lead
TRS Recovery Services, Inc

Enclosures

Customer Answer
Date: 05/06/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I have contacted ****** numerous times and they say they have been paid for this order. I should not be double charged for something I have already paid for. I have attached an email from ****** listing the order number and stating I have paid for it. I will not be paying double to a collection service when I have already paid for this order. I have attached the email from ****** to this dispute. This order has been paid, and I will not be paying any other company or organization extra for it. TRS Recovery Services is trying to recover a charge that I have already paid for. How are they considered a legitimate company? None of this makes any sense.
Thank you for your investigation, but I will not be paying them any extra money that I do not owe.

Regards,

***** ******
Business Response
Date: 05/16/2025
IMPORTANT NOTICE:
REFER TO TRACKING NUMBER
617996
IN ALL FUTURE CORRESPONDENCE

May 15, 2025

***** Donald
*********************;
******, ********** 95630

RE: BBB Complaint No. 23228285
Original Creditor: Amazon Marketplace Pmts
Current Creditor: Amazon Marketplace Pmts
Reference number: 44-250914425790

This is a communication from a debt collector.
This is an attempt to collect a debt.
Any information obtained will be used for that purpose.
SEE ENCLOSED FOR OTHER IMPORTANT INFORMATION

Dear Ms. *********************** received your rebuttal and want to be very clear. *** has no interest in making you pay twice for the same purchase. The issue here though is that our records show this item in fact never cleared your back account.

Attached is a screen shot that shows that this item returned unpaid due to a "Hold on Funds in Account" in our system. See attached. Additionally, as we were not involved in your conversations with ******, we cannot determine what information they may have provided to you. However, this item was assigned to us for collection by ******, and our records indicate that it was returned unpaid.

We ask that you review the screenshot and, if you still believe that this item cleared your bank, we suggest you reach out to your bank and ask them specifically to show you where this item cleared your account. If you or they confirm this to you, you could send us copies of your bank statement showing the running balance between three business days before the transaction and three business days after it returned with the transaction in question and the running balance clearly visible for our review (i.e. from March 21, 2025, to April 4, 2025, inclusive). Alternatively, if your bank provides a signed letter on a bank letterhead confirming that this item in fact cleared and was paid, that should also resolve the issue. Until the necessary information is returned as requested, this item will remain active in our system, as seen below:

Transaction #: 44-250914425790
Date: 03/26/2025
Amount: $154.33
Original Creditor: Amazon Marketplace Pmts
Current Creditor: Amazon Marketplace Pmts
Fee: $25.00
Total Due: $179.33

If you would like to make a payment, you can choose one of the following options: (1) you may call ****************************** at **************; or (2) you can mail a cashiers check or money order to the following address:

TRS Recovery Services, Inc.
PO BOX 9109
****************************;

Please include the reference number on the payment to ensure posting accuracy. *** will assume you no longer dispute this item, or the information enclosed with this letter, unless you contact us to provide additional information for review.

Please note TRS reports active items to TeleCheck Services, LLC (TeleCheck) until resolved. This may hinder a consumers check writing ability with those merchants and banks utilizing ********** check acceptance or account screening ********************.

Finally, in our initial correspondence TRS acknowledged your request that we cease and desist communication with you regarding this item and your account was updated in our system to reflect the request. However, during the dispute process, we are obligated to provide you with the results of our investigation in accordance with the Fair Debt Collection Practices Act (FDCPA).

If you have any further questions or concerns, please feel free to reach out to me directly at ************** or our ******************** at ************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET.

PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TRS.

Sincerely,

Lenorra Johnson
Collections Team Lead
TRS Recovery Services, Inc

Enclosure,
Initial Complaint
Date:04/01/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I was mailed a collection notice from *** saying that ******* was trying to collect a NFS check. ******* uses a check approval on the spot and the notice even says it had been spot approved.I did not make this purchase. I spoke with ******* corporate and they said that there are no pending outstanding collections for me.This looks like a scam.
Business Response
Date: 04/10/2025
April 9, 2025
**** ***
FL 34498
RE: BBB Complaint# ********

Dear *************************************** (TRS) received your BBB complaint, and we have searched all of *********** and found no
debts listed in your name. We did review your complaint and would note that the "Order Number" you provided to the BBB is
associated with a debt in someone else's name1
. As a result, we are not able to provide any further information to you.
If I can answer any other questions regarding this or any other items, please feel free to reach out to me directly at (470) 669-
6010 or our ******************** at ************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET. Thank you for assisting TRS
in maintaining the accuracy of its records.
Sincerely,
****** ********
Senior Processing Specialist
TRS Recovery Services, Inc.
Initial Complaint
Date:03/18/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
This company continues to send notices that I owe money to them even though I was sent a letter months ago expressing that I was no liable for this debt as it was fraud. This has comprised my ability to process each payments to ANY vendor I do business with. How can this be resolved?
Business Response
Date: 04/03/2025
April 2, 2025
**** **********
********************************************************************************
RE: BBB Complaint# ********
Original Creditor: ********** Services ***** Amazon Marketplace Pmts
Current Creditor: ********** Services ***** Amazon Marketplace Pmts
Reference Numbers: 44-242904425994, 44-250504426487, 44-250504426509, 44-250464425166, 44-250504426500,
44-250504426477, 44-250504426479
This is a communication from a debt collector.
This is an attempt to collect a debt.
Any information obtained will be used for that purpose.
SEE ENCLOSED FOR OTHER IMPORTANT INFORMATION
Dear Ms. ************************************* (TRS) received your BBB complaint regarding the above-referenced items ultimately assigned to TRS
for collection. TRS regrets any inconvenience or confusion you have experienced in our attempt to recover the above
referenced items. Please note that while researching your complaint, we located additional items in *********** and have
included them in our investigation. An explanation follows below.
For background, when a consumer sets their account with ****** it can be tied to a checking account as a form of payment.
Transactions are electronically processed like a check even though no check is actually involved. When the checking account is
selected as a form of payment it is applied to the transaction, which can directly be with Amazon or with one of its associated
vendors.
TRS records reflect these items as referenced above all returned from the bank unpaid because of insufficient funds on the
following bank accounts: **************** Group1
checking account ending in ****1009, *************
ending in
****1616, and ***************************
checking account ending in ****3280. A statutory return check service fee, in the
amount of $25.00, was applied to each of the items referenced above.
We contacted ****** to verify the transactions and the shipment of the products. ****** confirmed the orders were shipped
to the address above. We have enclosed a copy of the receipt and shipment details provided by ****** for your review. Please
call ****** if you have concerns or further questions at ************.
Again, as these were not traditional checks which were used, but rather processed as electronic checks. These documents
reflect the purchase and sale of the items. Accordingly, our records indicate the following active debts:
1 The referenced item attached to ********************** is 44-242904425994. This debt was closed on December 4, 2024,
due to ****** not providing validation. (See attached letter)
2 The referenced items attached to ************* are 44-250504426487, 44-250504426509, 44-250504426500, 44-
250504426477, and 250504426479.
3 The referenced item attached to ************************* is 44-250464425166.
IMPORTANT NOTICE:
REFER TO TRACKING NUMBER
612622
IN ALL FUTURE CORRESPONDENCE

Page 3 of 18
Trans. # Date Amount Original Creditor Current Creditor Rcvd by
TRS Fee Total
Due
44-
242904425994
10/9/2024 $25.85 Amazon Marketplace
Pmts
Amazon Marketplace
Pmts 10/16/2024 $25.00 CLOSED
44-
250504426487
2/13/2025 $26.12 Amazon Marketplace
Pmts
Amazon Marketplace
Pmts 02/19/2025 $25.00 $51.12
44-
250504426509
2/13/2025 $140.91 Amazon Marketplace
Pmts
Amazon Marketplace
Pmts 02/19/2025 $25.00 $165.91
44-
250464425166
2/10/2025 $21.71 Amazon Marketplace
Pmts
Amazon Marketplace
Pmts 02/15/2025 $25.00 $46.71
44-
250504426500
2/13/2025 $37.72 **********
Services *********************************************** 02/19/2025 $25.00 $62.72
44-
250504426477
2/13/2025 $269.49 Amazon Marketplace
Pmts
Amazon Marketplace
Pmts 02/19/2025 $25.00 $294.49
44-
250504426479
2/13/2025 $33.80 Amazon Marketplace
Pmts
Amazon Marketplace
Pmts 02/19/2025 $25.00 $58.80
Please review the validations carefully. If after review of the validations you determine that these debts are valid and you
would like to make a payment, you may call ****************************** at ************** or you can mail a cashiers
check or money order to the following address:
TRS Recovery Services, Inc.
PO BOX 9109
***********************
Please include the reference number on the payment to ensure posting accuracy. *** will assume you agree with the
information in this letter and do not dispute the validations unless you contact us to provide additional information for our
review.
Finally, please note *** does not report to any of the major credit reporting agencies, specifically Experian, **********, or
Equifax; therefore, this matter should not have any negative effect on your credit rating with those agencies. *** does
however report to its affiliate ********* Services, LLC, a specialty reporting agency. Therefore, these items may affect future
check transactions at any ********* subscribing merchant or financial institution until they have been resolved.
Be assured that information you provide is legally protected from unauthorized disclosure. If I can answer any other questions
regarding this or any other items, please feel free to reach out to me directly at ************** or our ******************** at
************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET. Thank you for assisting TRS in maintaining the accuracy of its
records.
PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER
ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TRS.
Sincerely,
****** ********
Senior Processing Specialist
TRS Recovery Services
Enclosures
Initial Complaint
Date:03/17/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On 2/15, 2/16, and 2/17/2025, I was notified by my bank alerts that there were some checks that were processing in my account. I do have a checking account, but don't have checks, nor have I written a check in years. I immediately called my bank and they decided to close my account. The three checks that were written were done so online to a ******* store in **, one that I've never even been to. The signature line on the checks just said "Preauthorized Signature". All three notifications came in around 2:00AM. I have now received three letters from TRS Recovery Services. I called the number listed on the checks and spoke with an individual that stated I need to go to their website and fill out all the personal information requested. When I told him that they should already have everything they needed, he seemed a little flustered. After carefully looking at their website, I show it was 2025 created. He told me they'd be around for awhile.
Business Response
Date: 03/31/2025
March 31, 2025
****** ****
********************
***********. Kansas 66109
RE: BBB Complaint No. 23075897
Original Creditor: Wal-Mart No. 4553, Wal-Mart No. 1120
Current Creditor: TeleCheck Services, LLC
Reference numbers: 37-250523725062, 37-250523725068, 37-250523725111
This is a communication from a debt collector.
This is an attempt to collect a debt.
Any information obtained will be used for that purpose.
SEE ENCLOSED FOR OTHER IMPORTANT INFORMATION
Dear Ms. ******************************* (TRS)1 has received your CFPB complaint. We understand that you may not recognize the above items
that TRS is collecting on and have asked for validation. Please allow *** to apologize for any difficulty you may have
experienced in resolving this matter.
While we have reviewed your complaint, TRS was not a party to any conversation you may have had with ******* and is
unaware of what ******* may have sent you when you initially contacted them. However, we can now supply you with the
validation received directly from ******** when we reached out to them as a part of our investigation concerning your
complaint.
Enclosed are three signed *** receipts that ******* provided as validation for these items. For background, the items in
reference are three check transactions initiated in the amounts $250.36 and $247.49 at ******** Store No. 4553 and $284.07 at
Wal-Mart Store No. 1120 from a *************** account ending in ***9106. These transactions were returned unpaid due to
stop payment, warranted by *** affiliate ********* Services LLC(TeleCheck)2
, and subsequently assigned to TRS for
collection with a $25.00 statutory return check service fee attached to each item. Below is a summary of the active items as
they appear in TRS' system:
Transaction # Date Chk # Amount Original Creditor Current Creditor Fee Total Due
37-250523725062 02/15/2025 1138 $250.36 Wal-Mart No. 4553 TeleCheck Services, LLC $25.00 $275.36
37-250523725068 02/16/2025 1139 $247.49 Wal-Mart No. 4553 TeleCheck Services, LLC $25.00 $272.49
37-250523725111 02/17/2025 1140 $284.07 Wal-Mart No. 1120 TeleCheck Services, LLC $25.00 $309.07
1 TRS is a registered company that provides collection services to various merchants across different markets. For more
information about our company, please thoroughly review our website: ******************************
2 For context, our affiliate, ********* is a specialty credit reporting agency and check warranty company. ********* partners
with merchants to accept payments via check or electronic check. Upon acceptance of a check transaction, ********* warrants
the item against non-payment. If a transaction is returned unpaid, ********* compensates the merchant, assumes ownership of
the item, and assigns it to TRS for collection.
IMPORTANT NOTICE:
REFER TO TRACKING NUMBER
612229
IN ALL FUTURE CORRESPONDENCE

Page 3 of 11
After reviewing this information, if you believe these items are a result of forgery, fraud, or identity theft, please provide any or
all the following information to support your fraud claim:
(1) TRS's Forgery/Identity Theft Declaration form (pre-filled form enclosed with this letter) which can also be submitted
on *** website at ******************************. The form can also be downloaded, completed, and mailed;
(2) copy of a filed police report, which identifies all the debts in question;
(3) complete an online questionnaire on the *** website (***********) by following these steps: Click on the "Report
Fraud" tab, complete and submit online form, provide a copy of the *** report including the *** file number; or
(4) a completed bank affidavit or declaration. The document should be on bank letterhead, include the details of the debts
associated with the dispute, and be signed by a bank representative. The document should confirm that the debts were
the result of forgery/fraud/identity theft.
*** will assume you no longer dispute these items, or the validation enclosed with this letter, unless you contact us to provide
additional information for review.
Please note TRS reports active items to its affiliate, *********, until resolved. This may hinder a consumers check writing
ability with those merchants and banks utilizing TeleChecks check acceptance or account screening ********************.
Finally, TRS has received your request that we cease and desist communication with you regarding the items and your account
has been updated.
If you have any further questions or concerns, please feel free to reach out to me directly at ************** or our *********************** at ************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET. Please be assured that all information provided is
legally protected against unauthorized disclosure and requested solely for the purpose of verifying your identity with the
attached debt items.
PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER
ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TRS.
Sincerely,
Lenorra *******
Collections Team Lead
TRS Recovery Services, Inc
Enclosures
Initial Complaint
Date:03/10/2025
Type:Delivery Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I made a delivery order with ******* on Dec 10th and paid for it, plus a $5 tip. On December 11th and 12th they double billed me for that order. I called and chatted 3 times and was told it would be refunded but never was.On December 12th I disputed the second charge with my bank. Later in December, I started receiving letters from *** in ******** GA. The first letter I explained what happened and mailed back. I then received a second letter asking for documentation. I mailed back my entire December banking statement showing the two charges and the one reversed by my bank. I just received a letter saying my dispute is invalid. Please can you help with this unbelievable situation. I have atttached a copy of my December banking statement (all pages) and their 2-page letter. I am currently moving away from shopping ******* altogether.
Business Response
Date: 03/25/2025
March 25, 2025
**** P. *********
*********************
****************************
RE: BBB Complaint # ********
Original Creditor: *******
Current Creditor: TeleCheck Services, LLC
Reference Number: 44-243484490359, 44-243534425423, 44-243534425547
This is a communication from a debt collector.
This is an attempt to collect a debt.
Any information obtained will be used for that purpose.
SEE ENCLOSED FOR OTHER IMPORTANT INFORMATION
Dear Ms. ************************************ (TRS) has received your BBB complaint replying to our earlier letter. See attached. TRS is
attempting to collect the three referenced items above. We are doing our best to understand your complaint, but we are having
some difficulty. We think the confusion may be this the records you provided and that we reviewed show four different
******** and no double payment.
Here is what our investigation has revealed. On 12/10/24 and 12/11/24 you made a series of purchases from ***********.
Those purchases are as follows:1
12/10/24 - $94.05
12/10/24 - $5.00
12/11/24 - $81.90
12/11/24 - $12.67
Our records reflect that while the first item (for $94.05) successfully processed, the remaining three did not because you issued
a stop payment on those with your bank. The bank account statement your provided appears to confirm your stop pays and
reflect an $81.90 credit on 12/12/24 and credits for $12.67 and $5.00 on 12/16/24.
When you issued those stop payments, as detailed in the footnote below, the stop pays generated collection items that were
ultimately assigned to us for collection. Based on your earlier complaint we did reach out to ******* who confirmed to us the
three purchases (for $81.90, $12.67 and $5.00) were submitted for processing and the purchased merchandise was sent to you.
See attached March 4, 2025 Letter. If you exclude the $5.00 delivery fee, those items total $94.57, an amount similar to the
$94.50 purchase, they are not the same and the represent different purchases. We are attaching the validation for this $94.05
purchase here.
As a result, the following items remain active in our system:
1 When you made these purchases using your checking account as a means of payment, our affiliate ********* Services, LLC
processed the payment and provided a warranty against the risk of non-payment. When you subsequently issued a stop
payment for the $81.90 purchase, the $12.67 purchase and the $5.00 purchase, ********* warranted those items for *******
and acquired ownership of them. TeleCheck then assigned them to TRS for collection.
IMPORTANT NOTICE:
REFER TO TRACKING NUMBER
611427
IN ALL FUTURE CORRESPONDENCE

Page 3 of 11
Transaction # Date Amount Original Creditor Current Creditor Fee Total Due
44-243484490359 12/10/2024 $81.90 ******* TeleCheck Services, LLC $0.00 $81.90
44-243534425423 12/10/2024 $12.67 ******* TeleCheck Services, LLC $0.00 $12.67
44-243534425547 12/11/2024 $5.00 ******* TeleCheck Services, LLC $0.00 $5.00
The fourth item, for $94.05, appears to have successfully processed. We trust this explanation has cleared up any confusion as
to the status of these items.
If you would like to make a payment on any of all of the three items above, you may call TRS Inbound Payment Department
at ************** or you can mail a cashiers check or money order to the following address:
TRS Recovery Services, Inc.
PO BOX 9109
***********************
Please include the reference number on the payment to ensure posting accuracy. *** will assume you agree with the
information in this letter, including the validation enclosed, unless you contact us to provide additional information for our
review.
Finally, please note TRS does not report debt items to the three major credit bureaus, specifically Equifax, **********, and
Experian; therefore, this item should not have any effect on your credit score with those agencies. However, *** reports active
items to ********* until resolved. This may hinder a consumers check writing ability with those merchants and banks
utilizing TeleChecks check acceptance or account screening ********************.
If you have any further questions or concerns, you may reach me directly at ************** and our ******************** at
************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET.
PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER
ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TRS.
Sincerely,
Lenorra *******
Collections Team Lead
TRS Recovery Services, Inc.
Enclosures
************************************************

Customer Answer
Date: 03/26/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I do see 2 payments on 12/10/2024 and 12/12/2024 as shown on my ************* statement attached. I contacted ******* customer service twice over chat and once over the phone to correct this. Each time I was told it would be refunded within 5-7 days. When it was clear it wasn't done, I disputed the charge with my bank as *******'s website suggests.

Regards,

**** *********
Business Response
Date: 04/04/2025
April 4, 2025
**** P. *********
*********************
****************************
RE: BBB Complaint # ********
Original Creditor: *******
Current Creditor: TeleCheck Services, LLC
Reference Number: 44-243484490359, 44-243534425423, 44-243534425547
This is a communication from a debt collector.
This is an attempt to collect a debt.
Any information obtained will be used for that purpose.
SEE ENCLOSED FOR OTHER IMPORTANT INFORMATION
Dear Ms. ************************************ (TRS) has received your BBB rebuttal in response to our earlier correspondence. Once again,
TRS is attempting to collect the three referenced items above. Please reference our previous response explaining in great detail
where the misunderstanding may lie on your end. To reiterate, the records you provided, and we reviewed show four different
******** with no double payment. We contacted ******* again, and they confirmed that the items are due, and no refund was
issued, as no items were returned or canceled. As stated in the validation sent to you on March 4, 2025, ******* confirmed
that all items within your order were successfully processed and delivered (see attached).
As a result, the following items remain active in our system:
Transaction # Date Amount Original Creditor Current Creditor Fee Total Due
44-243484490359 12/10/2024 $81.90 ******* TeleCheck Services, LLC $0.00 $81.90
44-243534425423 12/10/2024 $12.67 ******* TeleCheck Services, LLC $0.00 $12.67
44-243534425547 12/11/2024 $5.00 ******* TeleCheck Services, LLC $0.00 $5.00
The item, totaling $94.05, was processed as a separate transaction and completed prior to the items mentioned above. This
transaction is not associated with the items currently due with TRS. Validation for this item has been provided for your review,
indicating it was processed on a different date. As a result, we see no need for any further explanation as we believe the above
is clear.
If you would like to make a payment on any of all of the three items above, you may call TRS Inbound Payment Department
at ************** or you can mail a cashiers check or money order to the following address:
TRS Recovery Services, Inc.
PO BOX 9109
***********************
Please include the reference number on the payment to ensure posting accuracy. *** will assume you agree with the
information in this letter, including the validation enclosed, unless you contact us to provide additional information for our
review.
IMPORTANT NOTICE:
REFER TO TRACKING NUMBER
613473
IN ALL FUTURE CORRESPONDENCE

Page 3 of 6
Finally, please note TRS does not report debt items to the three major credit bureaus, specifically Equifax, **********, and
Experian; therefore, this item should not have any effect on your credit score with those agencies. However, *** reports active
items to ********* until resolved. This may hinder a consumers check writing ability with those merchants and banks
utilizing TeleChecks check acceptance or account screening ********************.
If you have any further questions or concerns, you may reach me directly at ************** and our ******************** at
************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET.
PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER
ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TRS.
Sincerely,
Lenorra *******
Collections Team Lead
TRS Recovery Services, Inc.
Enclosures
************************************************
Correspondence: P.O. *****************************
Call Center Operating Hours: Monday-Friday 8:00 am-5:00 pm ET- 1-
Customer Answer
Date: 04/04/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

The order placed and delivered in two deliveries on 12/10/2024 were my groceries and a skillet 12/10/2024 Withdrawal-ACH-A-******* *********** (PURCHASE) -94.05 and

Regards,

**** *********
Business Response
Date: 04/15/2025
April 15, 2025
**** P. *********
*********************
****************************
RE: BBB Complaint # ********
Original Creditor: *******
Current Creditor: TeleCheck Services, LLC
Reference Number: 44-243484490359, 44-243534425423, 44-243534425547
This is a communication from a debt collector.
This is an attempt to collect a debt.
Any information obtained will be used for that purpose.
SEE ENCLOSED FOR OTHER IMPORTANT INFORMATION
Dear Ms. **************** have done our best to explain to you why the information you have provided does not support your claim that these items
are not valid. Indeed, your most recent complaint provides absolutely no further information for us to consider. For your
convenience I am attaching our recent letters to you. Again, please review the pertinent information provided by *** to
understand why the items remain active in our system.
Transaction # Date Amount Original Creditor Current Creditor Fee Total Due
44-243484490359 12/10/2024 $81.90 ******* TeleCheck Services, LLC $0.00 $81.90
44-243534425423 12/10/2024 $12.67 ******* TeleCheck Services, LLC $0.00 $12.67
44-243534425547 12/11/2024 $5.00 ******* TeleCheck Services, LLC $0.00 $5.00
Please note *** reports active items to our affiliate, TeleCheck Services, LLC (TeleCheck) until resolved. This may hinder a
consumers check writing ability with those merchants and banks utilizing TeleChecks check acceptance or account screening
********************.
If you would like to make a payment, you may call ****************************** at ************** or you can mail a
cashiers check or money order to the following address:
TRS Recovery Services, Inc.
PO BOX 9109
***********************
Please include the reference number on the payment to ensure posting accuracy.
For any further questions or concerns regarding the above-referenced items, you may reach me directly at ************** and
our ******************** at ************** Monday-Friday 8:00 a.m. to 5:00 p.m. ET.
PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER
ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TRS.
IMPORTANT NOTICE:
REFER TO TRACKING NUMBER
614646
IN ALL FUTURE CORRESPONDENCE

Page 3 of 9
Sincerely,
Lenorra *******
Collections Team Lead
TRS Recovery Services, Inc.
Enclosures,
Customer Answer
Date: 04/16/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I can only repeat, I was told 3 times by ******* **************** that I would receive a refund for the duplicate charge. According the ******* help online, it says to dispute with my bank if I don't receive.
I followed these instructions and less than a month later started getting letters from TRS (collections).
You keep stating that I stopped payment. This is not correct. I disputed with my bank. ******* found the charge to be a duplicate.

Regards,

**** *********

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TRS Recovery Services, Inc. is NOT a BBB Accredited Business.