TRS Recovery Services

Dear Ms.TRS
Recovery Services, Inc. (TRS) has received your Revdex.com complaint regarding the
above-referenced item which you dispute. We
apologize for any inconvenience this matter has caused you. Please initially note
that TRS is a registered business entity in California[1] and carries a “B” rating with the Revdex.com. You can learn more about us at: *** While we certainly understand and apologize for any frustration in
our attempt to collect the above-referenced item, our communication to you was
not a scam, but rather the result of an item which Sam’s Club 4917 assigned to us for collection after it notified us the payment
returned from the bank. Please
find enclosed with this letter a copy of the electronic check authorization
receipt we received from *** as validation for the above-referenced
item. As you will note, the validation reflects that on July 1, 2020 check
number 1722 was written for $5,105.62 to ***. The EFT receipt also
shows the check was converted to an electronic funds transfer by the merchant
with authorization at the point of sale. This transaction returned unpaid by
the bank because of a stop payment placed on the check (which as you note is a *** checking account ending in ***) and assigned to TRS for
collection on July 7, 2020. In addition to the checking account this item was
tied to you by the driver’s license number on the validation (***). Please review the
validation carefully. We
understand from your complaint you dispute this item as valid. If you believe this
is not your transaction or debt, or that you believe you may be the victim of forgery,
counterfeiting, or identity theft, we ask that you notify us, providing what
information you have which substantiates your claim of forgery, counterfeiting,
or identity theft. Documentation you could provide includes:(l) a TRS Forgery/Identity Theft
Declaration (form enclosed)[2](2) a copy of a filed police report that
identifies the routing and account number and the checks alleged to be
fraudulent(3) a completed *** Theft Report
Affidavit available at ***(4) a completed bank affidavit or
declarationBe
assured that information you provide is legally protected from unauthorized
disclosure. You may fax this information to ***. This information
may allow us to update and close these items. Please also provide a phone
number where you may be reached during business hours if we have questions. If
you have any questions or would like to discuss this matter directly with me,
please call *** you can also reach our Forgery Department at *** or our Consumer Call Center at *** Monday-Friday 8:00 a.m.
to 5:00 p.m. ET.However,
if after review it is determined that this debt is valid, and you would like to
make a payment, please call TRS’ Inbound Payment Department at *** or
you can mail a cashier’s check or money order to the following address:***
***
***Please
include the reference number on the payment to ensure posting accuracy. TRS will assume you agree with this information
unless you provide additional information for our review. Turning
to one of your other concerns we did search our system for calls to or from you
based on the phone number provided with your complaint and did not locate any.
I also just tried reaching you on the number you provided today and left my
name and number on a voice mail. Please feel free to call me as noted above to
discuss this matter further.Finally, we have received your request to cease
further communication with you regarding this item. Please note while we will
update our records to reflect the same, this item will remain active in TRS’
system. Please note that while TRS does not report debt items to the three
major credit bureaus, specifically *** (and
should not have any effect on your credit score with those agencies), TRS does
report active debt items to its affiliate, TeleCheck Services, Inc.
(TeleCheck), a specialty reporting agency, until resolved. This may affect your
check writing abilities with those merchants and banks utilizing TeleCheck’s
check acceptance or account screening services.PLEASE NOTE ALL
RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER ABOVE OR INCLUDE
A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TRS.Sincerely,***
***
***

***

***

*** page, sign the form, and date the
form

Dear Mrs., TRS Recovery Services, Inc. (TRS) has received your Revdex.com complaint
regarding the above-referenced items assigned to us by Jo-Anns for collection. Based on the
information you have provided to us and our research of these items, the status
of these items has been coded as “forgery” in our database and closed. We apologize
for any inconvenience or confusion you have experienced in our attempt to recover
the above-referenced items. As a result of our closing these items, you will
also no longer be contacted about them.We have also reported this information to our affiliate, TeleCheck
Services, Inc. (TeleCheck), a specialty reporting agency. If you would like additional information from
TeleCheck, please call (800) 366-1435. Finally, we researched your
concerns regarding our attempts to contact you regarding these items and while
we certainly apologize for any inconvenience or difficulty resulting from our
attempts to reach you it appears these calls were made solely for the purpose
of discussing these items with you. Further, our records do reflect you reached
our agents on the two occasions you referenced and discussed these items. If
for any reason this was not the case, please let us know.If you have any
additional questions, please feel free to contact me directly at (678) 255-3455
or contact TRS Consumer CallCenter at (800)
366-1048 Monday-Friday 8:00 a.m. to 5:00 p.m. ET. Sincerely,Sr.
Processing Specialist Team LeadTRS Recovery Services, Inc.

Dear Ms., TRS Recovery Services, Inc. (TRS)
received your Revdex.com complaint regarding the above-referenced item assigned by
Amazon to us for collection. First, please note TRS is a registered business
entity in the state of California and also carries a “B” rating with the Revdex.com.
You can learn more about TRS and its relationship with the Revdex.com at https://www.Revdex.com.org/us/ga/marietta/profile/collections-agencies/trs-recovery-services-inc-0443-17000685. While we certainly understand and
apologize for any frustration in our attempt to collect the above-referenced
item, our communication to you was not a scam, but rather the result of an item
which Amazon assigned to us for collection after it notified us the payments
returned from the bank. Your complaint appears to ask for validation for the debt
TRS is collecting. Please find enclosed
with this letter a copy of the Purchase Order, Shipping confirmation, and
Payment History that we received from Amazon[1] validating this debt item. As you will note, the validation indicates May 24,
2020, a purchase was made for an item sold by Amazon.com which was billed and
shipped to the same address above. This item was submitted by Amazon for
payment of $4.10; the payment returned unpaid by the bank on account ending in
***0597 and California driver’s license ending in ***8522 was closed. After
the item returned it was assigned by Amazon to TRS for collection on May 28,
2020. A statutory return check service fee of $25.00, was applied to this debt. Please review the validation
carefully. If after your review you still do not believe this is your
transaction or debt, we ask that you notify us, providing what information you
have which substantiates your claim of forgery, counterfeiting, or identity
theft. Documentation you could provide includes: (l) a TRS Forgery/Identity Theft
Declaration (form enclosed)[2]a copy of a filed police report that identifies the routing and account number and the checks alleged to be fraudulent a completed FTC Identity Theft Report Affidavit available at www.ftc.gov, or a completed bank affidavit or declaration Be assured that the information you
provide is legally protected from unauthorized disclosure. You may fax this
information to (402) 934-3721 or mail it to us at P.O. Box 674169, Marietta GA
30006. We also ask that you provide a phone number where you may be reached
during business hours if we have questions. If you have any questions, please
feel free to contact me directly at (678) 255-3427 or our Consumer Call Center
at (800) 366-1048 Monday-Friday 8:00 a.m. to 5:00 p.m. ET. However, if after review it is
determined that this debt is valid, and you would like to make a payment,
please call TRS’ Inbound Payment Department at (800) 366-1048 or you can mail a
cashier’s check or money order to the following address: TRS
Recovery Services, Inc. PO
BOX 9109 Coral
Springs, FL 33075 Please
include the reference number on the payment to ensure posting accuracy. TRS will assume you are accept the
validation unless you provide additional information for our review. We have noted to further cease any
communication beyond this response. Again, I invite you to call me as noted
above to further discuss this matter. If we do not hear from you we will assume
you agree with the validation and information we have received from Amazon. PLEASE NOTE ALL RETURN
CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBERABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE
RECEIVED FROM TRS. Sincerely, Sr. Processing Specialist Team Lead TRS Recovery Services, Inc.

[1] If you have any further Amazon-related questions, please call 866-216-1072.

[2] For background, when a
consumer sets their account with Amazon it can be tied to a checking account as
a form of payment. Transactions are electronically processed like a check even
though no check is actually involved. When the checking account is selected as
a form of payment it is applied to the transaction, which can directly be with
Amazon or with one of its associated vendors. Here, the purchase was made to
Amazon.com. [3] Confidential information that you may be uncomfortable providing is not required.
We do ask that you provide your name, address and list all disputed debts on
the form. Please also answer all questions on the declaration page, sign the
form and date the form.

Dear Mrs., TRS Recovery Services, Inc.
(TRS) has received your Revdex.com complaint regarding the above-referenced item assigned
to us for collection by Amazon. While we
understand and apologize for any confusion or frustration this issue may have
created, please understand that TRS is registered entity with the Revdex.com and
carries a “B” rating. You can learn more about TRS and its relationship with
the Revdex.com at the following website: https://www.Revdex.com.org/us/ga/marietta/profile/collections-agencies/trs-recovery-services-inc-0443-17000685.[1]I would like to thank you for taking the
time to speak with me on July 15, 2020. As we discussed, payment, in the amount
of $46.19 was received and posted to this account. Therefore, the status of the
account has been coded as “Paid in Full” and closed in all TRS’ systems.We
have also reported this information to TRS’ affiliate, TeleCheck Services, Inc.
(TeleCheck), a specialty reporting agency. If you have any specific questions for
TeleCheck please call (800) 366-1435. We believe this action has resolved your
complaint but if you have any additional questions, please feel free to contact me directly at (678) 255-3455 or our
Consumer Call Center at (800) 366-1048 Monday-Friday 8:00 a.m. to 5:00 p.m. ET. Sincerely,Senior
Processing Specialist Team LeadTRS Recovery Services, Inc. [1] Please note an item may return from the bank, i.e. a returned check, and then
may subsequently return because an attempt to re-deposit the check failed
(after it returned from the bank). Therefore, both letters would be correct.
Please note TRS is also an affiliate of Fiserv which has its main office
located in Wisconsin, although TRS’ own main offices are in Georgia, its
payment center in California, and has a prior address in Texas. Please note that Amazon uses TRS Recovery
Services for certain collection activities. See [insert reference to Amazon page on
TRS]. Amazon is not investigating TRS.

Dear Mr.z,TRS Recovery Services, Inc. (TRS) has received your Revdex.com complaint
regarding the above-referenced items assigned to us for collection. It appears from
your letter that you attempted to reach out to us to resolve this earlier and
our response fell short. We apologize for any difficulty you may have
experienced in your attempt to resolve this matter. For background, these items
originally returned from the bank because of insufficient funds on a Mutual
Federal Bank account ending in ***3332; after the items returned from the bank they
were assigned to TRS for collection. Based on the information you provided, we reached out to Amazon as part
of our investigation. In response, Amazon has directed TRS to close these items.
Accordingly, you will receive no further communication from us regarding this
matter. We have also provided this information to TRS’ affiliate TeleCheck
Services, Inc. (TeleCheck), a specialty reporting agency, and TeleCheck has
updated the status of these items in its database.Finally, while we do not know what other parties may have told you, TRS
does not have the authority or the ability to “block” an Amazon account. In
certain circumstances, Amazon may block a consumer’s account with an unresolved
item, i.e. a payment which returns from the bank and until the item is reprted
as resolved, they may leave the account blocked. As such, you may want to call Amazon directly if you continue to
have further difficulties with them. You
can reach them at 866-216-1072.Thank
you for working with TRS to maintain the accuracy of its records.Sincerely,Senior
Processing SpecialistTRS Recovery Services, Inc.

Dear Ms.,TRS Recovery Services, Inc.
(TRS) has received your Revdex.com Complaint regarding the above-referenced item
Amazon assigned to us for collection which you claim has been paid. We
understand your frustration and apologize for any difficulty you have
encountered in resolving this matter but there seems to be a misunderstanding
regarding the above-referenced item. Your assertion TRS is blocking your Amazon
account is incorrect.[1] TRS does not have the authority to block an Amazon account. However, Amazon itself
may block a consumer’s account which has an associated collection item until it
has been resolved. That is what appears to have happened here. If you have any questions or would like to discuss
this matter directly with me, please call (678) 255-3427.For background, when a
consumer sets their account with Amazon it can be tied to a checking account
for the payment. In those instances, transactions are electronically processed
like a check even though no physical check is involved. Here, the purchase for
$17.99 on June 20, 2020, was made with Amazon vendor WiaNing as indicated on
the enclosed shipping confirmation we received from Amazon as validation of
this transaction. The transaction returned from the bank because of
insufficient funds on a checking account ending in***6790; Amazon then assigned
this item to TRS for collection on June 24, 2020. A returned check fee of $25.00
was applied to this debt.We
also sought information from Amazon in response to your claim this item had
indeed been resolved with it. In response, Amazon confirmed that this item was
still unpaid and unresolved at present time. If you have information to the
contrary please provide it to us for our review. One piece of information which
can assist us would be a running bank statement confirming payment has cleared
your account; if you choose to provide a statement please note it should show
at least three days before the purchase, i.e. June 17, 2020, to June 23, 2020.[2]Upon our receipt of the bank statement,
we can research your claim further and adjust our records if applicable. You
may fax this information to (402) 934-3721. Please also provide a phone number
where you may be reached during business hours if we have questions.At
this time however, the present balance of $42.99 remains due and owing. If you would like to make a payment, you can call TRS’
Inbound Payment Department at (800) 366-1048 or you can mail a cashier’s check
or money order to the following address: TRS
Recovery Services, Inc.PO BOX 9109Coral Springs, FL 33075Please include the reference number on the payment to
ensure posting accuracy. TRS will assume you agree with these findings unless
you contact us to provide additional information for our review. Finally,
we do note that you request no further contact from us regarding this item.
While we will update our records accordingly, please note TRS reports all
active debt items to its affiliate TeleCheck Services, Inc., a specialty
reporting agency, until resolved. Accordingly, this item may affect your check
writing or account opening abilities at merchants and financial institutions
utilizing TeleCheck’s guaranty and verification services. Again,
I invite you to call me as noted above to resolve this matter. Otherwise we
will assume you agree with our response including the enclosed validation of
the above-referenced item.PLEASE
NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER ABOVE
OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TRS.Sincerely,Senior
Processing SpecialistTRS Recovery Services, Inc. [1] If you have questions specifically targeted regarding your Amazon account we
suggest you contact this merchant at (866) 216-1072 for further assistance.[2] While we certainly understand any
concern with providing personal information, please note all information
provided is legally protected from unauthorized disclosure. Any personal
information requested during your prior call to us was solely to authenticate
your identity.

PLEASE SEE ATTACHMENT FOR AMAZON VALIDATIONS

Dear Ms.,TRS
Recovery Services, Inc. (TRS) has received your Revdex.com Rebuttal regarding the
above-referenced item Amazon assigned to us for collection. Please note that we
have reviewed the information you provided for your Cash Debit Card Activity
statement. We appreciate you sending us
the screen shot of your Cash Debit card app but it does not provide us enough
details to confirm the amount of $17.99
was posted and deducted from your account. Furthemore, we contacted Amazon and Amazon
still reports the debt as outstanding. Please note that as a courtesy we are prepared to waive the $25.00
return check fee.If
you nevertheless believe that this item has been paid, please provide us a
running bank statement confirming payment has cleared your account; if you
choose to provide a statement please note it should show at least three days
before the purchase, i.e. June 17, 2020, to June 23, 2020.[1] Upon our receipt of the bank statement, we can research your claim further and
adjust our records if applicable. You may fax this information to (402)
934-3721. Please also provide a phone number where you may be reached during
business hours if we have questions.If you would like to make a payment, you can call TRS’
Inbound Payment Department at (800) 366-1048 or you can mail a cashier’s check
or money order to the following address: TRS
Recovery Services, Inc.PO BOX 9109Coral Springs, FL 33075Please include the reference number on the payment to
ensure posting accuracy. TRS will assume you agree with these findings unless
you contact us to provide additional information for our review. Again,
I invite you to call me as noted above to resolve this matter. Otherwise we
will assume you agree with our response including the enclosed validation of
the above-referenced item.PLEASE
NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER ABOVE
OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TRS.Sincerely,Senior
Processing SpecialistTRS Recovery Services, Inc. [1] TRS’ records indicate the
remaining item was a $17.99 transaction on June
20, 2020, which returned from the bank because of insufficient funds on the account. It was
then assigned to TRS on June
24, 2020. A statutory return check service fee of $25.00 was applied to
this debt, making the total amount due $42.99.

[2] While we certainly understand any concern with providing personal information, please note all information provided is legally protected from unauthorized disclosure. Any personal information requested during your prior call to us was solely to authenticate your identity.

Dear Mrs., TRS Recovery Services, Inc.
(TRS) has received your Revdex.com complaint regarding the above-referenced items which
you dispute as valid debts. These items originally returned from the bank
because of a stop payment. While we understand
and apologize for any confusion or frustration this issue may have created, be
assured this is not a phishing scam. TRS is a registered corporate entity in the
State of Minnesota,[1] and also a registered with the Revdex.com carrying a “B” rating. You can learn more
about TRS and its relationship with the Revdex.com at the following website: https://www.Revdex.com.org/us/ga/marietta/profile/collections-agencies/trs-recovery-services-inc-0443-17000685.As part of our investigation, we attempted
to contact the merchant to validate the debt and were unsuccessful. Therefore,
the status of this account has been coded as “return to merchant” in our
database and the account closed in all TRS systems. As a result of our closing
this matter we will also cease all communication regarding the same.We
have also reported this information to TRS’ affiliate, TeleCheck Services, Inc.
(TeleCheck), a specialty reporting agency. If you have any specific questions
for TeleCheck please feel free to call (800) 366-1435. We believe this action has resolved your
complaint but if you have any additional questions, please feel free to contact me directly at (678) 255-3455 or our
Consumer Call Center at (800) 366-1048 Monday-Friday 8:00 a.m. to 5:00 p.m. ET. Sincerely,Senior
Processing Specialist Team LeadTRS Recovery Services, Inc. [1] File Number ***; please see https://mblsportal.sos.state.mn.us/Business/Search to search and confirm the same.

Dear Mr.,TRS Recovery Services, Inc. (TRS) has received your Revdex.com complaint regarding what appears to be three debt items from*** assigned to us for collection which you claim were the result of forgery, fraud, or identity theft of your business checking account information. While we understand and apologize for any confusion or frustration this issue may have created, please understand that TRS is registered entity with the Revdex.com and carries a “B” rating. You can learn more about TRS and its relationship with the Revdex.com at the following website: ***We have investigated your complaint as best as we could and want to assist you but we need additional information to figure out which transactions are the subject of your complaint. TRS utilizes specific information to research and investigate a claim.Any or all of the below information will allow us to investigate your complaint.? A copy of notices received from TRS;? Any reference numbers received on a TRS letter; or? The closed bank routing and account number associated with transactions.Please fax this information to *** for further investigation and resolution. In the alternative, please feel free to mail this information to TRS Recovery Services, Inc., Attn: Forgery Dept., ***. Be assured that information you provide is legally protected from unauthorized disclosure. Please also provide a phone number where you may be reached during business hours if we have questions.While your complaint requests that we cease contacting you, we cannot presently locate a debt item connected to you in our system. As a result we cannot associate your request with any particular item unless we receive some identifying information linking a particular debt to you. Please note that any active debt items do remain in our system until resolved. Please note TRS reports active items to its affiliate TeleCheck Services, Inc., a specialty reporting agency and does not report to the three major credit reporting agencies: ***. Any active items with TRS or TeleCheck would not have any impact on your credit score with those agencies. However, an active item in our system may affect your check writing abilities with merchants and financial institutions utilizing TeleCheck’s guaranty and verification services.Please let me know if I can further assist you in identifying any debts at issue. If you would like to discuss this matter with me directly, please call *** Monday-Friday 8:00 a.m. to 5:00 p.m. CST. Otherwise you may reach our Consumer Call Center at *** Monday-Friday 8:00 a.m. to 5:00 p.m. ET.PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBERABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TRS.Sincerely,***TRS Recovery Services, Inc.

Dear Mr.,TRS Recovery Services, Inc. (TRS) has received your Revdex.com complaint regarding the above-referenced item assigned to us for collection by Amazon. While we understand and apologize for any confusion or frustration this issue may have created, please understand that TRS is registered entity with the Revdex.com and carries a “B” rating. You can learn more about TRS and its relationship with the Revdex.com at the following website: https://www.Revdex.com.org/us/ga/marietta/profile/collections-agencies/trsrecovery-services-inc-0443-***.As part of our investigation, we contacted Amazon for validation of this item and were unsuccessful. Therefore, the status of this item has been coded as “return to merchant” in our database, the statutory service fee has been waived, and this item has been closed in all TRS systems.We have also reported this information to TRS’ affiliate, TeleCheck Services, Inc. (TeleCheck), a specialty reporting agency. If you have any specific questions for TeleCheck please call (800) 366-1435. However, please note TRS only reports active items to TeleCheck and does not report to the three major credit reporting agencies, specifically Equifax, Experian, and TransUnion. Any active items (or in this case inactive items) with TRS or TeleCheck would not have any impact on your credit score with those agencies.We believe this action has resolved your complaint but if you have any additional questions, please feel free to contact me directly at (678) 255-3455 or our Consumer Call Center at (800) 366-1048 Monday-Friday 8:00 a.m. to 5:00 p.m. ET.Sincerely,Senior Processing Specialist Team LeadTRS Recovery Services, Inc.

Dear Mr.,TRS Recovery Services, Inc. (TRS) has received your Revdex.com complaint regarding the above-referenced item assigned to us for collection by ***. While we understand and apologize for any confusion or frustration this issue may have created, please understand that TRS is registered entity with the Revdex.com and carries a “B” rating. You can learn more about TRS and its relationship with the Revdex.com at the following website: ***As part of our investigation, we contacted *** for validation of this item and were unsuccessful. Therefore, the status of this item has been coded as “return to merchant” in our database, the statutory service fee has been waived, and this item has been closed in all TRS systems.We have also reported this information to TRS’ affiliate, TeleCheck Services, Inc. (TeleCheck), a specialty reporting agency. If you have any specific questions for TeleCheck please call***. However, please note TRS only reports active items to TeleCheck and does not report to the three major credit reporting agencies, specifically ***. Any active items (or in this case inactive items) with TRS or TeleCheck would not have any impact on your credit score with those agencies.We believe this action has resolved your complaint but if you have any additional questions, please feel free to contact me directly at (*** or our Consumer Call Center at *** Monday-Friday 8:00 a.m. to 5:00 p.m. ET.Sincerely,***Senior Processing Specialist Team LeadTRS Recovery Services, Inc.

Dear Mrs.,TRS Recovery Services, Inc.
(TRS) has received your Revdex.com complaint regarding the above-referenced item assigned
to us for collection which you dispute. We understand your frustration and
apologize for any difficulty you have encountered in resolving this matter.As
part of our investigation, we attempted to contact the merchant to validate the
debt and were unsuccessful. Therefore, the status of this account has been
coded as “return to merchant” in our database, the statutory service fee has
been waived, and the account closed in all TRS systems. We
have also reported this information to our affiliate, TeleCheck Services, Inc.
(TeleCheck), a specialty reporting agency. If you have any specific questions you
would like to direct towards TeleCheck please feel free to call (800) 366-1435. We believe this action has resolved your
complaint but if you have any additional questions, please feel free to contact me directly at (678) 255-3455 or our
Consumer Call Center at (800) 366-1048 Monday-Friday 8:00 a.m. to 5:00 p.m. ET. Sincerely,Senior
Processing Specialist Team LeadTRS Recovery Services, Inc.

Dear Mrs., TRS Recovery Services, Inc.
(TRS) has received your Revdex.com complaint regarding the above-referenced item assigned by
Amazon to us for collection on May 13, 2020. Your complaint notes this item may be the result of an error. We understand your
frustration at trying to resolve this issue and we want to assist you. For
background, Amazon assigned this item to TRS when payment for the item returned from
the bank because of non-sufficient funds.[1]When a consumer sets their account with Amazon it can be tied to a
checking account as a form of payment. When the checking account is selected as
a form of payment it is applied to the transaction, which can directly be with
Amazon or with one of its associated vendors. If the item is paid on a linked account which is closed, where funds
are held, or where funds are insufficient, an item will return much the same
way. Here,
the purchase was made with Amazon vendor Arabella Bouquets, as indicated by the
enclosed shipping confirmation TRS received from Amazon validating this debt
item. Please note the billing and shipping addresses are the same as the
address noted on your complaint. If you
have additional questions specifically for Amazon, please call (866) 216-1072.Turning to your complaint, we
understand you believe these transactions may have been the result of forgery,
fraud, theft, or error. If after review of the enclosed validation and
information you believe you are a victim of forgery, identity theft, or fraud, please
provide any of the following information to allow us to further research this
matter and update our records: (1) a TRS Forgery/Identity Theft
Declaration (form enclosed);[2](2) a copy of a police report;(3) a completed FTC Identity Theft Report
Affidavit available at www.ftc.gov;(4) a completed bank affidavit or
declaration; or(5) a signed or notarized letter
describing the specific checks you assert were forged or stolen.Please note the confidentiality of the information provided is legally
protected from unauthorized third-party disclosure. You may fax the
above-mentioned information to 402-934-3721. Please also provide a phone number
where you may be reached during business hours if we have questions. You can
also reach our Forgery Department at 800-280-7196 Monday-Friday 8:00 a.m. to
5:00 p.m. CST. If you prefer, you may reach me directly to further discuss this
matter at (678) 255-3455.If after your review you
conclude the above-referenced transaction was not the result of forgery, fraud,
or theft, and you would like to make a payment, please call TRS’ Inbound
Payment Department at (800) 366-1048 or mail a cashier’s check or money order
to the following address: TRS
Recovery Services, Inc.P.O. BOX 9109Coral Springs, FL 33075Please include the reference
number on the payment to ensure posting accuracy. TRS will assume you agree
with the validations provided unless you provide additional information for our
review. Finally, we reviewed the call
you referenced in your complaint. It appears the call was very short and was dropped
due to likely a poor connection. We apologize if our efforts in responding to
your call to us fell short in any way. Again, I invite you to call me directly
as noted above if I can answer any questions. PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING
NUMBER 365123 OR INCLUDE A COPY OF PRIOR CORRESPONDENCE
RECEIVED FROM TRS.Sincerely,

Sr. Processing Specialist Team LeadTRS Recovery Services, Inc. [1] This transaction was processed on a Bank of America checking account ending in
***5028 and with routing number 122000661. Specifically, $27.49 was paid by
this bank account and $23.17 was paid with a gift certificate or gift card.[2]Confidential information that you may be uncomfortable providing is not
required. We do ask that you provide your name, address, and list all disputed
debts on the form. Please also answer all questions on the declaration page,
sign the form, and date the form.

RE: Revdex.com
Compliant# ***Original
Creditor: ***Reference
Numbers: ***Dear Mr.,TRS Recovery
Services, Inc. (TRS) has received your Revdex.com Complaint regarding the above-referenced
items *** assigned to TRS for collection. We appreciate the information you
provided to us in helping locate the items at issue and we apologize for any
inconvenience you have experienced in working to resolve this matter. For
background, when a consumer sets their account with Amazon it can be tied to a
checking account as a form of payment. Transactions are electronically
processed likea check even
though no check is actually involved. When the checking account is selected as
a form of payment it is applied to the transaction, which can directly be with *** or with one of its associated vendors. In this case, when the above
referenced items returned from the bank, *** assigned
this item to TRS for collection.As part of our
investigation, we contacted Amazon to validate these items; Amazon did not provide
us validation. Therefore, we have closed these items in all of TRS’ systems and
have returned it to the original creditor. TRS has also provided this information
to its affiliate TeleCheck Services, Inc. (TeleCheck), a specialty reporting
agency, which has also updated its system with this information. As we have
closed these items we will cease further contact regarding this matter at this
time.If I can answer
any further questions or concerns, please call me directly at ***; you
may also reach our Consumer Call Center at *** Monday-Friday 8:00
a.m. to 5:00 p.m. ET. Thank you for assisting TRS in maintaining the accuracy
of its records.Sincerely,***Senior
Processing Specialist Team LeadTRS Recovery
ServicesThis
item involves a May 20, 2020 purchase for $20.85 to ***. The
transaction was submitted for payment on a checking account number ending in
*** and returned unpaid by the bank because of insufficient funds on the
account; it was assigned to TRS for collection on May 28, 2020. A $25.00
statutory return check service fee was applied to this debt, making the total
amount due $45.85.This
item involves a May 20, 2020 purchase for $87.89 to ***. The
transaction was submitted for payment on a checking account number ending in
*** and returned unpaid by the bank because of insufficient funds on the
account; it was assigned to TRS for collection on May 28, 2020. A $25.00
statutory return check service fee was applied to this debt, making the total
amount due $112.89.*** If
you have any further ***-related questions regarding this purchase, please
contact ***.

Dear Mr.,TRS
Recovery Services, Inc. (TRS) has received your Revdex.com complaint regarding an
Amazon Marketplace Payments transaction assigned to us for collection which you
dispute.[1] Thank you for taking the time to discuss this matter with me on June 17 and
again on June 22, 2020. As discussed, I reached out to Amazon again. In turn Amazon
re-confirmed the above-referenced item still had not been resolved. Indeed, a
review of the bank statements you provided shows no transaction for $38.42
deducted from your checking account. Please also note the statement addresses a
different bank account number (***7557) than the one connected with the above-referenced
item.However,
as a courtesy and gesture of goodwill we have waived the $25.00 statutory
return check fee that would otherwise apply. Therefore at this time, the
present balance of $38.42 remains due and owing. As additional information for
your consideration, we have provided another copy of the shipping and payment
confirmation from Amazon[2] as validation for this item. Please review the validation carefully.If
you nevertheless believe that this cleared your account (the one ending in
***9158), we again invite you to provide supporting information like a running
bank statement. This statement should include the balance remaining in the bank
account after each transaction listed, must begin at least 3 days prior to the
transaction in question and end at least 3 days after the transaction in
question (May 01, 2020 - May 10, 2020), must show beginning and ending balances,
and should not include redacted information. If you decide to send a new running statement, please fax this
information to (402) 934-3721 or mail it to us at P.O. Box 674169, Marietta GA
30006. We also ask that you provide a phone number where you may be reached
during business hours if we have questions. Be assured that the information you
provide is legally protected from unauthorized disclosure. If
you would like to make a payment, please send either a cashier’s check or money
order to TRS Recovery Services, Inc., P.O. Box 9109, Coral Springs, FL 33075.
Please note the Reference Number on the payment to ensure the payment posts
accurately. If you would like to make payment by phone please call TRS’ Inbound
Payment Department at (800) 366-1048.If I
can answer any further questions regarding this item, please reach me directly
at 678-255-3427. You may also reach our Consumer Call Center at (800) 366-1048
Monday-Friday 8:00 a.m. to 5:00 p.m. ET. If we do not receive a response from
you we will assume you agree with our findings, including the response we
received from Amazon and the enclosed validation.PLEASE
NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER ABOVE
OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TRS.Sincerely,Senior
Processing Specialist, Team LeadTRS Recovery Services, Inc. [1] For background, this item involves a May 02 2020 transaction for $38.42. It
returned unpaid from the bank (a J.P. Morgan Chase checking account ending in
***9158) because the account was closed. This item was assigned by Amazon to
TRS on May 07, 2020. A $25.00 statutory return check fee was applied making the
total due $63.42.[2] If you have any further Amazon-related
questions regarding this purchase and whether or not is has been resolved with
Amazon please call 866-216-1072.

Dear Mr.,We
understand you may be disappointed in our response and this is still an item
you dispute.[1] I
appreciate your time discussing this with me on July 9, 2020 and for the
information you included with your complaint. As part of our investigation we
provided this information to Amazon to verify payment; in turn Amazon responded
that in fact payment had not been made to it for the item. Please note it is
entirely possible your account with Amazon itself may be current while at the
same time it may not reflect items that return unpaid to merchants selling on
Amazon. We suggest for matters like this it is best to contact Amazon directly
(866-216-1072) as we have now contacted Amazon twice and each time Amazon has
indicated that this has not been resolved.Accordingly,
the present balance of $38.42 remains due and owing. We enclose again a copy of
the shipping and payment confirmation from Amazon as validation for this item.
Please review the validation carefully. If you still believe that this transaction
has cleared your account (the one ending in ***9158 and not another account as
you had previously provided),[2] please provide a running bank statement for three days before the transaction
processed and three days after the transaction returned from the bank, i.e.
from (May 1, 2020 - May 10, 2020). To assist us in our review of this
information and any additional research, please note the statement should
include the beginning and ending balances and should not include redacted
information. Again, the statement should also include information for at least
three days after the date payment for this item cleared your bank. Your
complaint indicates this item may have been paid by credit card. If that is the
case please provide us information reflecting this was paid by that method,
i.e. a credit card statement noting payment or other notification from Amazon
to you this particular item has been resolved.Be assured that the
information you provide is legally protected from unauthorized disclosure. You
may fax this information to (402) 934-3721 or
mail it to us at P.O. Box 674169, Marietta GA 30006. We also ask that
you provide a phone number where you may be reached during business hours if we
have questions. If you have any questions, please feel free to contact me
directly at (678) 255-3427 or our Consumer
Call Center at (800) 366-1048 Monday-Friday 8:00 a.m. to 5:00 p.m. ET. If you would like to make a
payment, you can call TRS’ Inbound Payment Department at (800) 366-1048 or you
can mail a cashier’s check or money order to the following address: TRS
Recovery Services, Inc.PO BOX 9109Coral Springs, FL 33075Please include the reference number on the payment to
ensure posting accuracy. TRS will assume you agree with these findings unless
you contact us to provide additional information for our review. Again, I invite you to call
me as noted above to further discuss this matter. If we do not hear from you we
will assume you agree with the validation and information we have received from
Amazon.PLEASE
NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER ABOVE
OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TRS.Sincerely,LaDrenda
BlackSenior
Processing Specialist, Team LeadTRS Recovery Services, Inc. [1] For background, this item involves a May 2 2020 transaction for $38.42. It
returned unpaid from the bank (a J.P. Morgan Chase checking account ending in
***9158) because the account was closed. This item was assigned by Amazon to
TRS on May 07, 2020. A $25.00 statutory return check fee was applied making the
total due $63.42.[2] Please note your prior response included a statement for a different bank
account number (***7557) than the one connected with the above-referenced
item.

Dear Mr.,TeleCheck
has received your Revdex.com complaint regarding several check declines you have
received at Wal-Mart, Meijer, and Walgreens. Your complaint explains these
check transactions were written on your mother’s behalf. We
also note you have previously provided a copy of the declined check from
Wal-Mart showing you are in fact Ms. Mowry’s guardian.[1] While we apologize for any
inconvenience, frustration, or embarrassment that these declines have caused
you, they were issued because this item returned from the bank and is an active
debt in our system.For
background, TeleCheck is a check acceptance and warranty company which works
with merchants nationwide. If TeleCheck accepts a check it guarantees payment
even if the check returns unpaid for some reason.[2] TeleCheck will decline a check when there are negative items associated with a
check writer in its database (a Code 4 decline) or when a statistical analysis
of the check and the transaction indicates a greater risk that a check will not
clear than a merchant is willing to accept (a Code 3 decline).[3] We investigated your complaint using the check copy you provided. Our
records reflect that this transaction was initially approved at the point of
sale but then returned from the bank because the check was written on a closed
account. As this item was warranted by TeleCheck, and returned from the bank,
it is an active debt item in our system as summarized below.Consumer Name ACCT # (Last
4) ID# (Last 4) SS # (Last 4) Check # Original
Creditor Check Date $ Amt Current
StatusDon ***0936 OH9026 N/A 2241 Wal-Mart
No. 5385 2/16/2020 $40.44 ActivePlease note that this item will remain active in TeleCheck’s
systems until resolved. This item may result in further Code 4 declines at
merchants participating in TeleCheck’s check guaranty and warranty services.
Additionally, this item has been forward for collection to our affiliate TRS
Recovery Services, Inc.[4] If I can address any additional questions or assist you regarding
this debt item please contact me directly via email at [email protected] or please call our Consumer Call Center at (800) 366-2425 Monday-Friday 8:00 a.m. to 5:00 p.m. ET.PLEASE NOTE ALL RETURN
CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER ABOVE OR INCLUDE A
COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TELECHECK.Sincerely,Consumer
Resolution Services[1] Debt Reference Number
37-200513726741 involved check number 2241 written for $40.44 on February 16,
2020 and processed on a checking account number ending in ***0936. Our records
also reflect declines issued at Wal-Mart involving check number 2246 written for
$46.68 on March 1, 2020 (processed twice) and check number 2252 written for
$42.60 on March 8, 2020. Additionally, Code 4 declines were issued on April 16
at Meijer (check number 2265; $41.61) and May 14 at Walgreens (check
number2269; $40.68).[2] While a merchant remains free to accept a check even
if TeleCheck declines to accept it, TeleCheck will not provide a warranty.[3] A Code 3 is not reported to third-party consumer
reporting agencies and in no way reflects negatively on a consumer’s credit
status. TeleCheck does not have access to a check writer’s account and does not
verify account balances in its processing. Code 3 declines take into
account many different factors including check volumes and a check writer’s
typical pattern of writing checks.[4] If you do have information
or documentation reflecting that this item has indeed cleared your bank, please
provide a running statement reflecting three days prior to the transaction and
three days after the transaction cleared your account, which will allow us to reinvestigate
and if applicable update our records.

Dear Mr.,TRS Recovery Services, Inc. (TRS) has received your Revdex.com complaint
regarding the above-referenced item assigned by Amazon to us for collection. We
apologize for any difficulty you may have experienced in our attempt to resolve
this matter. For background, when a consumer sets their account with Amazon it can be
tied to a checking account as a form of payment. When the checking account is selected,
it is used for payment and electronic transactions process just like a check.
These purchases can be directly with Amazon or with one of its associated
vendors. In this case, when the above-referenced item returned from the bank,
Amazon[1] assigned this item to TRS for collection. As part of our
investigation, we contacted Amazon to validate this item; Amazon did not
provide us validation. Therefore, we have closed this item in all of TRS’
systems and have returned it to the original creditor. TRS has also provided
this information to its affiliate TeleCheck Services, Inc. (TeleCheck), a
specialty reporting agency, which has also updated its system with this
information. As we have closed this item we will cease further contact
regarding this matter at this time.If I can answer any further questions or concerns, please call me
directly at (678) 255-3427; you may also reach our Consumer Call Center at
(800) 366-1048 Monday-Friday 8:00 a.m. to 5:00 p.m. ET. Thank you for assisting
TRS in maintaining the accuracy of its records.Sincerely,Sr.
Processing Specialist Team LeadTRS Recovery Services, Inc.[1]If you have any further
Amazon-related questions regarding this purchase, please contact Amazon at
866-216-1072.

Dear Ms.,TRS Recovery Services, Inc. (TRS) has received your Revdex.com complaint regarding debts which you claim were the result of forgery, fraud, or identity theft of your business banking information. While we understand and apologize for any confusion or frustration this issue may have created, please understand that TRS is a legitimate company that is registered entity with the Revdex.com with a “B” rating. You can learn more about TRS and its relationship with the Revdex.com at the following website: https://www.Revdex.com.org/us/ga/marietta/profile/collections-agencies/trs-recovery-services-inc-0443-17000685.We have investigated your complaint as best as we could and want to assist you but we need to figure out what transactions were involved. To do so, we need specific information to research and investigate your claim. Unfortunately, your complaint did not include a debt reference number or specific transaction reference number from TRS which utilize to investigate. Any or all of the below information will allow us to investigate your complaint.A copy of notices received from TRS;Any reference numbers received on a TRS letter; orFurther details surrounding the reason for the dispute.Please fax this information to (402) 916-8140 for further investigation and resolution. Be assured that information you provide is legally protected from unauthorized disclosure. Please also provide a phone number where you may be reached during business hours if we have questions.While your complaint requests that we cease contacting you, we cannot locate a debt item connected to you so we would have no way to note your request. If you provide any of the above information we can note the request in our system but please note any active debt items remain in our system until resolved; we do also report active items to our affiliate TeleCheck Services, Inc., a specialty reporting agency. As a result, an active item in our system may prevent you from processing checks with merchants and financial institutions affiliated with TeleCheck. If you would like to discuss this matter with me directly, Monday-Friday 8:00 a.m. to 5:00 p.m. CST, please call (678) 255-3455. Otherwise you may reach our Consumer Call Center at (800) 366-1048 Monday-Friday 8:00 a.m. to 5:00 p.m. ET. PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TRS.Sincerely,TRS Recovery Services, Inc.

Dear Ms.,TRS
Recovery Services, Inc. (TRS) has received your rebuttal where you accused our
company of engaging in “deceitful,
fraudulent, predatory, deplorable, and illegal” business practices in response
to our letter where all we did was request sufficient additional information to
help us locate the debts in our system. While we do understand to some extent
your frustration, please understand that all TRS did was attempt to collect on
debts assigned to it by Amazon. And your suggestion that TRS was wrong in doing
so (or Amazon wrong in assigning them) is especially hard to credit given by
the fact that each was paid and made
good on May 6th by *** who we understand is affiliated
with Spectrum Productions. As
Mr. paid these items in full, our records have been updated to reflect
that the items are now closed as summarized below: Trans. # Date Amount Original
Creditor Current Creditor Rcvd by TRS Fee Total Due44-*** 4/9/2020 $122.43 Amazon
Marketplace Pmts Amazon
Marketplace Pmts 4/15/2020 N/A $044-*** 4/9/2020 $64.03 Amazon
Marketplace Pmts Amazon
Marketplace Pmts 4/15/2020 N/A $044-*** 4/9/2020 $171.85 Amazon Marketplace
Pmts Amazon
Marketplace Pmts 4/15/2020 N/A $0As
these items have been resolved by Mr.’ payment we consider this matter closed.
However, if you have any other questions or concerns I invite you to call me
directly at (678) 255-3427. Thank you for assisting TRS in maintaining the
accuracy of its records.PLEASE
NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER ABOVE
OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TRS.Sincerely,Senior
Processing Specialist Team LeadTRS
Recovery Services Enclosures

Dear Ms.,TRS Recovery Services, Inc.
(TRS) has received your Revdex.com complaint regarding the above-referenced items
assigned to us for collection. We apologize for any difficulty you may have
experienced in our attempt to resolve this matter. As part of our investigation,
we contacted the merchant to validate these debts and were unsuccessful.
Therefore, the status of these items have been coded as “return to merchant” in
our database, the statutory service fee on each item has been waived, and these
items have been closed in all of TRS’ systems. We have also provided this
information to our affiliate TeleCheck Services, Inc. (TeleCheck), a specialty
reporting company, and directed it to update the status of these items in its
database.As a result of our closing these items TRS will cease contacting you regarding
this matter (except for your receipt of this letter). If you have any other
questions, please call me directly at*** or our Consumer Call
Center at *** Monday-Friday 8:00 a.m. to 5:00 p.m. ET.Thank
you for assisting TRS in maintaining the accuracy of its records.Sincerely

Dear Mr.,TRS Recovery Services, Inc.
(TRS) has received your Revdex.com complaint regarding the above-referenced item which
you dispute as a valid debt. We understand your frustration and apologize for
any difficulty you have encountered in resolving this matter. This item originally returned from the bank because of
a closed account as noted in your complaint.As part of our investigation, we attempted
to contact the merchant to validate the debt and were unsuccessful. Therefore,
the status of this account has been coded as “return to merchant” in our
database, the statutory service fee has been waived, and the account closed in
all TRS systems. Also,
this information has been reported to TRS’ affiliate, TeleCheck Services, Inc.
(TeleCheck), a specialty reporting agency. If you have any specific questions
for TeleCheck please feel free to call (800) 366-1435. We believe this action has resolved your
complaint but if you have any additional questions, please feel free to contact me directly at (678) 255-3455 or our
Consumer Call Center at (800) 366-1048 Monday-Friday 8:00 a.m. to 5:00 p.m. ET. Sincerely,Senior
Processing Specialist Team LeadTRS Recovery Services, Inc.

TRS Recovery Services, Inc. (TRS) has received your Revdex.com complaint
regarding the above-referenced items which you dispute. We understand your
frustration and apologize for any difficulty you have encountered in resolving
this matter. For background, these items originally returned from the bank unpaid;[1] each
of these items was warranted by TRS’ affiliate TeleCheck Services, Inc.,[2] which provided check warranty and guaranty services to *** Corporation. When these items returned from the bank, TeleCheck warranted the
items, paid the merchant, took ownership of the items, and then assigned them to TRS for
collection. As part of our investigation, we contacted the merchant to validate these
items and were unsuccessful. Therefore, the status of these items have been
coded as “return to merchant” in our database and these items have been closed
in all of TRS’ systems.TRS has also reported this information regarding these nine items to
TeleCheck. If you would like information on other debts that we may be reporting to
TeleCheck, we encourage you to contact
TeleCheck at *** and request a
copy of your TeleCheck File Report. You may also separately request a copy of
your TeleCheck File Report (TFR) at https://getassistance.telecheck.com/consumer-file-report.html or when you contact TeleCheck by phone.We believe this action has resolved your
complaint but if you have any additional questions, please feel free to contact me directly at *** or our
Consumer Call Center at *** Monday-Friday 8:00 a.m. to 5:00 p.m. ET. Thank you for
assisting TRS in maintaining the accuracy of its records.Sincerely,[1] Each of these transactions were made using a *** checking account with
routing number ending in *** and account number ending in ***.[2] TeleCheck is also a specialty consumer reporting agency which reports debt
items to its participating merchants and financial institutions utilizing its
check warranty and account verification services.

TRS Recovery Services, Inc. (TRS) has received
your Revdex.com complaint regarding items assigned to TRS for collection which you
dispute as valid. Thank you for speaking with me on the phone May 11, 2020. As
we discussed, each of the above-referenced items was guaranteed for payment by
our affiliate TeleCheck Services, Inc. (TeleCheck). When payment for these
items returned from the bank for Non-Sufficient Funds,[1] TeleCheck warranted each returned item, took ownership of the items,
and assigned them to us for collection. A
$25.00 statutory return check fee was applied to each item, making the amounts
due $175.04 for the *** item and $39.13 for the *** item.As
part of our investigation of your complaint we contacted ***. Each merchant provided a copy of the electronic check authorizations as
validation of each of the above-referenced items in our system. As you will
note, each check transaction was converted to an electronic funds transfer by *** with authorization at the point of sale. A summary of the active items in our database is
provided below: Transaction # Date Amount Original Creditor Current Creditor Received by TRS Fee Total Due*** $150.04 *** TeleCheck
Services Inc. 2/5/2020 $25.00 $175.04*** 1/26/2020 $14.13 *** TeleCheck
Services Inc. 1/30/2020 $25.00 $39.13Please review the enclosed
validations carefully. If after your review of the enclosed validations you do
recognize them and would like to make a payment, please call TRS’ Inbound
Payment Department at ***; you may also mail a cashier’s check or
money order to the following address:***Please include the reference
number on the payment to ensure posting accuracy. If after reviewing the
validations you believe these are not your transactions or debts, or if you
believe these were the result of forgery, fraud, or identity theft of your
account information, please provide any or all of the following information
to allow us to further research this matter and update our records if
applicable:(1) A TRS Forgery/Identity Theft
Declaration (form enclosed);[2](2) A copy of a police report referencing
these items;(3) A completed FTC Identity Theft Report
Affidavit available at www.ftc.gov;(4) A completed bank affidavit or
declaration; or(5) A signed or notarized letter
describing the specific checks you assert were forged or stolen.Please note the confidentiality of the information provided is legally
protected from unauthorized third-party disclosure. Please also provide a phone
number where you may be reached during business hours if we have questions. You
may fax the above-mentioned information to ***. You can reach our
Forgery Department at *** Monday-Friday 8:00 a.m. to 5:00 p.m. CST. If
you prefer, you may reach me directly to further discuss this matter at ***.TRS will assume you agree
with the validations provided unless you provide additional information for our
review.Finally, please note that TRS
does not report to the three major credit reporting agencies (***); therefore these items will not have an effect on our
credit score with those agencies. TRS does report active debt items to
TeleCheck. Accordingly, these items may affect your check writing abilities at
merchants and financial institutions utilizing TeleCheck’s check guaranty and
account verification services.I invite you to call me as
noted above to discuss any particular questions you may have. If we do not hear
from you we will assume you agree with our findings and the validations of the
above-referenced items.PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER
REFERENCE THE TRACKING NUMBER ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE
RECEIVED FROM TRS.Sincerely,***.[1] Both check transactions are associated with a *** account
ending in ***; the *** transaction is also connected to *** listed under ***.[2]Confidential information that you may be uncomfortable providing is not
required. We do ask that you provide your name, address, and list all disputed
debts on the form. Please also answer all questions on the declaration page,
sign the form verifying the truth of the information provided, and date the
form."

If after reviewing the validations you believe these are not your transactions or debts, or if you believe these were the result of forgery, fraud, or identity theft of your account information, please provide any or all of the following information to allow us to further research this matter and update our records if applicable:

(1) A TRS Forgery/Identity Theft Declaration (form enclosed);(2) A copy of a police report referencing these items;(3) A completed FTC Identity Theft Report Affidavit available at www.ftc.gov;(4) A completed bank affidavit or declaration; or(5) A signed or notarized letter describing the specific checks you assert were forged or stolen.Please note the confidentiality of the information provided is legally protected from unauthorized third-party disclosure. Please also provide a phone number where you may be reached during business hours if we have questions. You may fax the above-mentioned information to ***. You can reach our Forgery Department at *** Monday-Friday 8:00 a.m. to 5:00 p.m. CST. If you prefer, you may reach me directly to further discuss this matter at ***.TRS will assume you agree with the validations provided unless you provide additional information for our review.Finally, please note that TRS does not report to the three major credit reporting agencies (***); therefore these items will not have an effect on our credit score with those agencies. TRS does report active debt items to TeleCheck. Accordingly, these items may affect your check writing abilities at merchants and financial institutions utilizing TeleCheck’s check guaranty and account verification services.I invite you to call me as noted above to discuss any particular questions you may have. If we do not hear from you we will assume you agree with our findings and the validations of the above-referenced items. Else, we consider this matter as resolved. Please complete the attached information and provide for dispute of forgery or there are no other steps to take in this instance.

Thank you.