TRS Recovery Services Inc is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is TRS Recovery Services?
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.
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Is TRS Recovery Services a scam?
They’re legit. 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 Recovery Services 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.”
Who does TRS Recovery Services collect for?
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.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many complaints are there against TRS Recovery Services?
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
Can TRS Recovery Services Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats 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!
In 2017 a New York woman claimed in a proposed class action that TRS Recovery Services Inc. unlawfully failed to make clear in a collection notice that the total debt amount due was accruing interest and fees. The woman claimed the initial communication she received from the defendant stated that $4.84 was the total amount due for payment. The next communication she received said she owed $6.98, with a third notice somehow claiming $5.72 was owed. A fourth communication pegged the amount due at $8.49, the suit claims.
Under the Fair Debt Collection Practices Act (FDCPA), a debt collector has an obligation to not only convey the amount of debt owed, but to do so clearly. In the plaintiff’s situation, the case alleges, the unsophisticated consumer may be left unsure as to exactly how much is owed.
Also, 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.
TRS Recovery Services Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (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).
Can I sue TRS for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you 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.
Want to Stop TRS Recovery Services Debt Collection Harassment Now?
“We realize that ours is just one small case among many – and many more serious – but are heartened by the fact that you accepted it and represented us with a professionalism that belied the small dollar amount.”
“If you are unsure about this company…DONT BE!!! They are for real when they say they are here to help you. It only takes a few short minutes of your time to talk to a rep. I was a skeptic, but you did everything you said you would! I can’t say thank you enough!”
”Lemberg Law has saved me from the endless calls, and harassing voicemails. They really do go to bat for you. I didn’t know that debt collection agencies can end up paying your legal bill. What a surprise, to receive free legal help. I’m very grateful for all the hard work they did to finally give me my life back.”
“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.
Can You Help Me Delete TRS Recovery Services from My Credit Report?
We can absolutely help. Call us today.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.