Report: #213702

Complaint Review: TRS Recovery Services - Telecheck

  • Submitted: Sun, October 01, 2006
  • Updated: Sun, December 17, 2006
  • Reported By: Spokane Washington
  • TRS Recovery Services - Telecheck
    Houston, Texas

TRS Recovery Services - Telecheck telephone harrassment, threatening, degrading language, bullying collection practice, ripoff Houston Texas

*Consumer Suggestion: TRS Recovery Services & TeleCheckServices

*Consumer Suggestion: Miriam, this is VERY easy to deal with.

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(this is a copy of a report I filed on another website)

These people, "TRS" if they are indeed who they claim to be, have harrassed me to the point of tears. They have called repeatedly over the last five days, and I have repeatedly told them the same thing:

I have no money. I WILL call you on Monday after I have looked through my bank statements and can figure out a payment plan.

They even called at 8:00 this morning (a Sunday), waking my two young children and behaving quite rudely. I was trying to get my kids to their school buses on time on Thursday; TRS stated that obviously I didn't care about the debt, otherwise I would drop what I was doing and immediately make a credit card payment right that second! I told them to stop calling me and hung up. Of course, they called again and again and again.

I can't seem to locate any information about this company's physical address, and I have yet to receive anything in the mail from them, although they claim to have sent a notice. I asked them to make a note in my file that I would be calling on Monday to make arrangements. They stated that their system is "not set up" to do that. It is designed only to collect money. And, apparently, to harrass and degrade the people who owe them.

If anyone has any information on TRS, I would appreciate having it. I have truly been driven out of my wits in a relatively short time. My intent is to report them to the BBB, the Washington State Attorney General, the FTC, and any other agency that will put a stop to their deplorable collection methods.


It has now been several weeks, and TRS continues to call between 3 and 6 times a day. They have now resorted to saying on my answering machine, "I need to talk to Miriam, please," and then waiting to see if I'll pick up. When I was willing to talk to them before, they consistently refused to work out a payment arrangement with me, and informed me that they "might" continue to attempt withdrawals from my bank account until the debt is paid. (a common fear-inducing collection tactic) The only "arrangement" they would make was to demand full payment plus their "processing" fee on each check. They were kind enough to offer to let me pay one check/fee at a time, to the tune of about $50 each for 2 checks - which I don't have.

My bank has advised me to close my old account and pursue legal action against Telecheck, despite the fact that my bank itself uses Telecheck's services. Clearly something is wrong here. These people have far too much power and control. As it stands now, I am unable to write a check pretty much anywhere in my local area. Obviously they don't care that I have 3 children to raise on my own, and they seem to believe I purposefully wrote bad checks (I didn't). As far as I can tell, TRS/Telecheck could care less whether we starve as long as they get their fees paid.

I will eventually pay them off, as soon as I'm able. In the meantime, I'm reduced to never answering my phone when it says "Unavailable" on the ID, unless I want to subject myself to more abusive language from them about how I don't care about my debt.

These people are fraudulent (they violated the law by never once stating that they are actually Telecheck, not TRS), abusive and are clearly on a power trip thanks to their incomprehensible good standing with the Better Business Bureau. If only I had the money I owe them; perhaps then I could afford to slap the class action lawsuit on them that they so richly deserve.

Spokane, Washington

This report was posted on Ripoff Report on 10/01/2006 07:37 PM and is a permanent record located here: The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Suggestion

TRS Recovery Services & TeleCheckServices

AUTHOR: Ed - (U.S.A.)

The physical address for TRS and TeleCheck is
TRS Recovery Services, Inc.
5251 Westheimer
Houston, TX. 77056
Tele. (713) 331-7600

BTW- Both companies use the same address. I don't know if Westheimer is a road, avenue, street, etc. This is the way the address shows up. You can also find out about their license numbers in Houston. I have a number but are not sure if this is the number you need. It's for the home office. Good luck, and put this company in the ground where it belongs.
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#2 Consumer Suggestion

Miriam, this is VERY easy to deal with.

AUTHOR: Steve - (U.S.A.)


TRS/Telecheck IS a THIRD PARTY collector and IS bound by the FDCPA. Under this act, you have the right to send a CEASE COMMUNICATION request to them. Send this by certified mail, return reciept requested. Put the vertified# on the letter itself and keep a copy for your records.

NEVER speak to ANY collector on the phone. It will NEVER do anything positive for you and in almost every case will make things worse.

It is ILLEGAL for them to take ANY money out of your account without your SPECIFIC authorization. It is a FELONY to do so. It is LARCENY. However, most collectors are really stupid and will certainly try. You really should close that account IMMEDIATELY, and open a new one at a DIFFERENT bank. This is very important, as the same bank would tie the two accounts together for legal purposes such as garnishments, etc.

Change your phone number to an unlisted one. This is really the easiest solution, and it can be done for FREE if you tell your phone company tou are getting harassing and/or threatening calls from and UNKNOWN caller.

Forget the BBB, they are a useless and corrupt organization that is absolutely powerless to do anything. They have no legal authority to do anything.

Go to and file a complaint online every time they call.
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