How to inquire about a debt with TRS Recovery Services, Inc.

If you have received a collection notice or call and have a question or inquiry related to the item on which TRS Recovery Services, Inc. is collecting, then you may complete the "Inquiry Form" below or you may write a letter and mail or fax it to TRS so that TRS may research and respond to your inquiry.

TRS Recovery Services, Inc.
Attention: Compliance Department
P.O. Box 4812
Houston, TX 77210-4812
Fax: 402.916.8140

If you choose to write a letter, please include in your correspondence your first and last name, mailing address, bank routing and account number, and your state issued ID or driver’s license number. In addition, please include the name of the merchant or financial institution, and the reference number or a specific description to identify the item in question. Please include a phone number where you may be reached during business hours. Please allow 30 days to process your request.
 

Inquiry Form
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How to dispute or object to a debt with TRS Recovery Services, Inc.

If you have received a collection notice or call and have a dispute or concern related to the item on which TRS Recovery Services, Inc. is collecting, then you may complete the “Dispute Form” below or you may write a letter and mail or fax it to TRS so that TRS may research your dispute and/or objection.

TRS Recovery Services, Inc.
Attention: Compliance Department
P.O. Box 4812
Houston, TX 77210-4812
Fax: 402.916.8140

If you choose to write a letter, please include in your correspondence your first and last name, mailing address, bank routing and account number, and your state issued ID or driver’s license number. In addition, please include the name of the merchant or financial institution, and the reference number or a specific description to identify the item in question. Please include a phone number where you may be reached during business hours. Please allow 30 days to process your request.
 

Dispute Form
Download PDF - 39.9 KB

How to file a direct dispute with TRS Recovery Services, Inc.

If you have had a check transaction declined by a merchant or had a bank refuse to open an account for you because of information reported to a consumer reporting agency by TRS Recovery Services, Inc. and you believe that the information was inaccurate or incomplete, you may submit the Direct Dispute Form below to TRS Recovery Services, Inc. or you may write a letter and mail or fax it to TRS. TRS Recovery Services, Inc. will investigate your direct dispute in accordance with the Fair Credit Reporting Act.

Please fax or mail the completed Direct Dispute Form and supporting documents to:

TRS Recovery Services, Inc.
Attention: Compliance Department
P.O. Box 4812
Houston, TX 77210-4812
Fax: 402.916.8140

If you choose to write a letter, please include in your correspondence your first and last name, mailing address, bank routing and account number, and your state issued ID or driver’s license number. In addition, please include the name of the merchant or financial institution, and the reference number or a specific description to identify the item in question. Please include a phone number where you may be reached during business hours. Please allow 30 days to process your request.
 

Direct Dispute Form
Download PDF - 39.9 KB

How to report a forgery to TRS Recovery Services, Inc.

To report forgery, counterfeiting or identity theft, please submit the following:

To begin the investigation, we must have your name, address, bank routing and account number, and a copy of your driver’s license or other state-issued identification. If the issue involves the opening of a bank account, we will need your social security number. Please include the name of the merchant or financial institution involved and the reference number located in the upper right hand portion of any collection notice you received or a specific description of the item(s) in dispute such as the check or transaction number, date, amount, and payee. In addition, please provide the specific reason for the dispute.

To ensure we have all relevant information about your dispute, we recommend you also submit one of the following:

  • TRS’s Forgery/Identity Theft Affidavit form which can be downloaded from First Data’s website at http://www.firstdata.com/trsrecovery/ under the Forgery menu;
  • copy of a filed police report;
  • completed FTC Identity Theft Report Affidavit available at www.ftc.gov; or
  • completed bank affidavit or declaration

Even if you do not supply the recommended documentation, you can still help our investigation by supplying as much relevant information as you have about your dispute. For instance, provide a detailed statement about the incident or copies of any related collection letters you received. We also ask that you provide a phone number where you may be reached during business hours if we have questions.

You may submit this information to TRS Recovery Services by:

FAX:
(402) 934-3721
ATTN: Forgery Department

MAIL:
TRS Recovery Services, Inc.
ATTN: Forgery Dept.
P. O. Box 4451
Houston, TX 77210-4812

TRS may take up to 30 days to conduct an investigation from the date the dispute is received.

Forgery/ID Theft Form
Download PDF - 121 KB

How to notify TRS Recovery Services, Inc. of bankruptcy

To report a bankruptcy to TRS, please fax or mail the information listed in the Bankruptcy Requirement Check List below to:

TRS Recovery Services, Inc.
Attention: Bankruptcy Department
P.O. Box 4812
Houston, TX 77210-4812
Fax: 402.934.3741

Bankruptcy Requirement Check List

  1. A copy of the original petition (if you are in possession of the document)
  2. Or, if you do not have the petition, please provide the following information:
    • Your name as it appears on your check
    • The TRS reference number, located in the upper right-hand portion of your collection notice
    • If your reference number is unavailable, provide the full bank name, routing number, account number, check numbers of the checks in question and your driver’s license or state-issued ID number.
    • Your bankruptcy case number
    • The phone number and location of the court in which the bankruptcy was filed
  3. Or, if you do not have either 1 or 2, please provide the name, address and phone number of your attorney.

If you have an inquiry regarding a refund of payment on a debt in bankruptcy, please call (800) 283.4567. Note that if your payment was collected prior to the date of filing, the payment is not subject to refund, absent court procedure. Payments on debts incurred after the date of filing bankruptcy are also not subject to refund. Please allow 10 business days to process your request.