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TRS Recovery Services, Inc. (TRS) is a third-party collection agency based in Texas. TRS has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), including making false and misleading statements in an effort to collect a debt and failing to verify debts. If you have been contacted by TRS about past due financial obligations, make sure you understand your rights before responding.
According to the Better Business Bureau (BBB) TRS Recovery Services, Inc. was originally incorporated in Colorado in 1992, then started locally in Texas in 1995. The BBB established a profile page for TRS in 2011. TRS is listed as a collection agency. Buzzfile estimates TRS’s annual revenue at just over $400,000 and the size of its headquarters staff at 5 people.
According to its website, TRS Recovery Services is “is a premier provider of collection services across varied market segments…with approximately 200 employees to support these services on an inbound and outbound call basis.” TRS is “dedicated to satisfying the needs of its customers…and fostering the development of long-term, profitable business relationships with…customers…employees, and…vendors.”
TRS Recovery Services draws clients from many different consumer-oriented businesses, including “retailers, grocers, and financial institutions.” TRS offers collection services that include treating consumers “with respect and care during the collection/resolution process.” They also have made available several payment options, including “cash, credit card, money order, check, EFT, debit card, Western Union and MoneyGram money transfer services, web payments, live operator assistance, and … IVR technology.” TRS’s collection staff is bilingual in English and Spanish.
The TRS Recovery Services website includes an Inquiry page, a Bankruptcy page, a Dispute and Validation page, and a Forgery and Identity Theft page. The Inquiry page provides contact information and a web-based contact form for site visitors who want to know why they received a collection notice from TRS. The Bankruptcy, Identity Theft, and Dispute and Validation pages provide information about reporting and filing requirements; contact information; and web-based contact forms.
TRS is owned by First Data Corporation, a business services corporation that specializes in providing payment processing services for e-commerce businesses.
The BBB has closed 153 complaints against TRS Recovery Services in the past 3 years, with 36 closed in the past 12 months. Most of those complaints allege problems with billing and collections. As of December 2016, the Consumer Financial Protection Bureau (CFPB) has closed 36 complaints against TRS. Justia lists at least 12 cases of civil litigation involving TRS
TRS Recovery Services, Inc.
14141 Southwest Fwy.
Sugar Land, TX 77478-3493
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely TRS would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here are some Sample Cases filed in Federal Court
The BBB has posted the following Alert on TRS’s profile page:
“Since December of 2014, the BBB Houston office began receiving several complaints that…exhibit… the following pattern:
“According to consumers’ disputes, it has been alleged that TRS Recovery is declining consumer transactions upon checkout. The complaints reviewed state the consumers have reached out to TRS Recovery with their concerns. However, when attempting to contact the company there are long hold times and consumers are rarely able to speak to a live representative. Upon being able to speak with someone about collection concerns, they are met with rude customer service representatives. Such concerns…include consumers’ having made a purchase with Amazon, the payment will clear … a consumer’s account, and the…consumer will later receive a notice from TRS Recovery Systems stating items were unpaid and now assigned to them for collections. Consumers are also stating TRS Recovery Systems has attempted to process unauthorized automatic withdrawals of check amounts, … causing multiple charges from their banks.
“The company TRS would like you to know: TRS Recovery Services, Inc. wants our subscribers and their customers to know that we are committed to improving our customer service experience.”
Most of the complaints about TRS that have been submitted to the BBB are posted without any details available for public viewing. However, in January 2016, a complainant indicated that he had ordered a book from a 3rd party seller on the website for Amazon, Inc. He indicated that the transaction went through smoothly and that he received the book, but he was notified later that the payment did not go through. The complainant indicated his belief that the problem resulted from his having selected a closed checking account from the banking information stored on Amazon’s servers, which he only found out about when he“received a debt collection letter in the mail from TRS…only 10 days after the original transaction, stating that …he owed the original purchase price ($13.98) plus a $25 returned check fee.” The complainant had contacted the seller, who told him they weren’t “even aware that the payment had not been completed,” and another vendor involved in the transaction said they had “sent… him an email about the payment not going through, but the email never reached” him. He also expressed uncertainty about how TRS “learned about this transaction,” speculating whether they had intercepted his email communication.
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call ? 844-685-9200 NOW.
What Our Clients are Saying
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“I would recommend your company to anyone. You have the debt collectors off my back, and I will finally see the light at the end of the tunnel. Throughout the entire procedure your employees were courteous and professional. I was blown away by their efficacy also.
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