Consumer complaint received 2022-08-01
Company: FISERV INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX : Received Debt collection letter via usps from TRS recovery services. States : As of XX/XX/XXXX, I owe XXXX XXXX under acct. no. ending in XXXX for {$1900.00} plus {$30.00} in fees. total amount of debt {$2000.00}. ( totals do not match, XXXX + XXXX is XXXX ). I responded immediately online to their site stating this is not my debt. My XXXX XXXX account is in good standing. I called XXXX XXXX as well, they stated I have no outstanding debt with them. Within XXXX days, I also mailed the original letter back stating this was not my debt, I want to dispute. They sent back letter saying a check ( XXXX, dated XX/XX/XXXX to XXXX XXXX XXXX was forged in my name for {$1900.00}. they do not have enough info. to begin investigation, and asked for my social security number, bank account numbers and phone numbers. ( I did not give that sensitive Information to them ). I did inform them, based on the info they sent me, there was no way it was me because my last name was different in XXXX. Also, I have never written a check at XXXX XXXX. I use my XXXX XXXX  card. I also asked for a copy of returned check so i could check signature and file a police report. I received a letter on XX/XX/XXXX, stating on XX/XX/XXXX, check # XXXX was written to XXXX XXXX in amt. of {$1900.00}, with a fee of {$32.00}, debt totaling {$2000.00}. The transaction was returned unpaid by the bank and assigned to XXXX for collection on or about XX/XX/XXXX. ( The original collection letter I received was on XX/XX/XXXX. According to this letter, they hadn't even been assigned this debt for collection until XX/XX/XXXX. And now the year of said debt is XXXX, not XXXX like they originally stated. ) They could not provide with a copy of returned check. They instead sent a receipt image from XXXX XXXX from XX/XX/XXXX in XXXX, XXXX ( I was not in XXXX, XXXX on XX/XX/XXXX and I've never set foot in a XXXX XXXX XXXX ) and the " signature '' they sent was a screen shot of a scribbled line as customer signature, where apparently someone signed XXXX XXXX electronic point of sale monitor for a XXXX XXXX cardholder agreement purchase. ( I thought this was a bad check? not someone that paid with a XXXX XXXXt card. Also, the expiration date of this signed cardholder agreement sale shows XX/XX/XXXX. XXXX XXXX cards do not have an expiration date ). I've never had a check come back. I have checked and double checked with all my banks, and not XXXX check has come back. TRS does not seem interested in working with me. The are pressing me for bank account numbers, routing numbers, social security number, and say the only was they can help with my complaint of forgery is to provide them all of this highly sensitive information. Then they can investigate. I will not give this info. to them. I do not know how these tactics are legal, especially giving all the inconsistencies with the debt they are trying to collect. I would like to stop being harassed by this horrible, lying company. They have XXXX proof this was my debt and seem to be making up false information to pen it on me. 

End of XXXX, a {$3.00} XXXX class action settlement was reached between TRS Recovery Services Inc, and TeleCheck Services , Inc. with consumers who allege they were sent misleading collection letters when they didn't actually owe any money. I am interested in hearing from anyone else out there having these same exact issues with these people who were already sued and lost. Apparently they did not learn their lesson and need to be reminded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation