A check which I wrote to XXXX for {$25.00} was returned, and I received the following email from XXXXXXXXXXXX : Greetings from XXXX. 

XXXX uses TRS Recovery Services , Inc. ( " TRS Recovery Services '' ) to process customer payments made via electronic bank account transfers. TRS Recovery Services has been notified that your financial institution was unable to process a transaction relating to your recent XXXX order ( s ). Some of the more common reasons that this may occur include, mis-keying account numbers and/or routing numbers, omitting digits to account numbers or recent changes to your financial institution 's ABA Routing Number and/or account number structure. 

You may be receiving, or have already received, a telephone call from TRS Recovery Services regarding this issue. This contact was authorized by XXXX. 

Most processing errors are correctable with some simple changes to the electronic funds transfer request. TRS Recovery Services has a toll-free number you may use to contact them in order to provide the information necessary to reprocess this transaction. This call should take just a few minutes, provided you have your banking information readily available. 

Please call ( XXXX ) XXXX ( outside of the US, call XXXX ), Monday through Friday, between the hours of XXXX XXXX. to XXXX XXXX. CST, or Saturday between the hours of XXXX XXXX. to XXXX XXXX. CST. 

Both TRS Recovery Services and XXXX appreciate your response and attention to this matter within the next XXXX business days. Once you have addressed this issue with TRS Recovery Services , Inc., please allow two to three business days for your payment to clear. 

Please note that we have placed your XXXX account on hold pending resolution of this matter. This means that you will not be able to access your account/order information online. We will remove the hold from your XXXX account when TRS Recovery Services confirms that the amount in question has been paid in full. We appreciate your understanding. 


Sincerely, Account SpecialistXXXX.XXXXI called TRS Recovery Services at the number and gave a card to pay off the {$25.00}. They took my card and informed me that I had paid. I asked if the sum was {$25.00} and, for the first time, they informed me that I was charged {$50.00}, including a {$25.00} fee and that my account was in collections. I had not been informed that I had been sent to collections, the communication informing me of the debt had neither the amount of the debt nor did it disclose that it was an attempt to collect a debt. It also did not notify me of my right to dispute. I was only notified that I may dispute the {$25.00} fee when I complained about it. They reversed it, but indicated that I would still owe it.