Consumer complaint received 2015-12-15
Company: First Data Corporation
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter in the mail on XXXX/XXXX/15 from TRS Recovery Services and telecheck. The letter stated that I made a {$480.00} purchase from XXXX XXXX on XXXX/XXXX/2015 and then stopped payment on the check. The letter had " Notice of Unpaid Electronic Transfer '' at the top of the page. It read that the above referenced electronic transaction could not be completed because either I had stopped payment on this transaction or my account may not be authorized for ACH transactions. Telecheck has purchased this dishonored electronic fund transfer referenced. As a result, TeleCheck has forwarded the debt to its affiliate, TRS Recovery Services , Inc. for collection. Your file has been assigned to the Recovery Department where it will be given to a professional collection agent. It stated that I purchased an item in the amount of {$480.00} from XXXX XXXX and a check was written on XXXX XXXX, 2015 and a {$25.00} returned check fee was added. I do not have a bank account with the bank they are claiming it was written on, XXXX. I have not ordered anything from XXXX and I called XXXX and they verified that I had not ordered anything from them. I called TRS Services and after reluctance I gave them my current bank info, drivers license number, and social security number and they said that I had bought something an account from XXXX Bank. I have never banked with this bank. I went to XXXX bank on XXXX/XXXX/2015 and the bank verified that I did not have an account with them and that I have never used an account with them to purchase any items from XXXX, nor had anyone else committed identity fraud with my information. And they also verified that no one had ever opened an account in my name. I called TRS back and was hung up on XXXX different times by their representatives. I called XXXX back and was told to call TRS. Both companies, Telecheck and TRS Recovery Services have made an error and are refusing to rectify the situation. They are wanting me to get a certified letter from XXXX saying that I have never banked with them, and then send them XXXX pages of information including all of my personal banking information and a picture of my drivers license. It should be up to this company to fix this. I have not ordered any items from XXXX as verified by XXXX and I do not have an account and never have with XXXX bank. I am having a hard time even understanding how Telecheck says that a transaction occured with an account from XXXX when their has never been an account in my name with said bank and also how a transaction for {$480.00} of products were bought from XXXX when XXXX verified to me that the transaction never occurred. I did not order from XXXX and I want to know how and why this company has my information and are making false claims and threats against my character and my credit. I do not know if I can file a police report because no one has used my identity because there has never been a XXXX account in my name and no items were purchased from XXXX. This company needs to be stopped!

Company response to consumer: Closed with explanation