Consumer complaint received 2017-05-04
Company: First Data Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On   XXXX   XXXX    2017,  I received a letter of Notice dated   XXXX   XXXX    2017, in th e mail allegedly from TRS Recovery Servic es   XXXX   XXXX  .  Notice is titled " Notice of Unpaid Electronic Transfer '' and is attempting to collect a debt of {$450.00}. The details contained in the notice are : Orig. Creditor :  XXXX   XXXX  Current Creditor   : Telecheck Services ,  XXXX  .   Principal Amount : {$450.00} Total Amount Due : {$450.00} Date Written :   XXXX   XXXX    2017 Ch eck Number :  XXXX  Returned : Stop Payment Reference # :  XXXX  I have never purchased a  XXXX  nor have I ever visited  XXXX   (  much less purchased anything from there ) nor has my wife or any member of my family.   On   XXXX   XXXX    2017 ( the   same day I rec eived the notice ), I contacted the Office of the Attorney General of Texas. An employee advised me that (  1 ) TRS R ecovery Services    XXXX   XXXX  . i s a registere d 3rd   party debt c ollector , ( 2 ) they  are a subsidiary of  Telecheck Services, ( 3 ) their fi le number is  XXXX ,  ( 4 )  their Bond Number is  XXXX  ( issued by  XXXX   XXXX   Company of Maryland ).   S he also recommended that I order copies of my credit reports from  XXXX .   I reviewed the credit reports that I received and there were no disparaging remarks of any kind.   On   XXXX   XXXX    2017, we  also contacted  XXXX   ( a t  XXXX  ) where I spoke to a representative who identified herself as  XXXX . I provided  XXXX  with the information from the notice ( I.E. , EFT Ch eck Number and Reference # ).  XXXX  said that this information didnt seem to relate to any information in the systems that she had access to and could not identify them.   Since the notice dated  XXXX   XXXX ,    2017 f or a check allegedly written on  XXXX   XXXX ,    2017, I  posed a hypothetical question to  XXXX  : If somebody wrote a check and it was returned for a stop payment, would  XXXX  turn it over to debt collector after ju st one  week?  XXXX  response was unequivocal :  XXXX  Must wai t 90  days.   In researching  XXXX / XXXX /Telecheck Services,   XXXX . online , I have  found many complaints on  XXXX ,  Better Business Bureaus   XXXX ,  XXXX , and other sites. Further, I saw that  Telecheck Services   XXXX   XXXX  . was a defendant in a recently settled class action law suit as well as settling an FCRA case initiated by the F TC.   On   XXXX   XXXX    2017, I rece ived another notice from TRS Recovery Service s ,  XXXX . Thi s notice, dated    XXXX   XXXX     2017,  is titles NOTICE > > > IS FURTHER ACTION NECESSARY. The details in the second notice are the same as in the first notice. Further, this notice is first requesting that payment in full be made by cashiers check or money order. In the very next paragraph, it says that I may also pay online by  Visa   or MasterCard at ww  w.firstdata.com/trs.    Given all of the above, I believe and feel that TRS Recovery Services  ,  XXXX . is  attempting a fraudulent act. Therefore, I did not contact TRS Recovery Servi ces   XXXX   XXXX  .  directly. Instead, I am initiating this complain.

Company response to consumer: Closed with explanation