Said TRS Recovery evidently declined my personal check at XXXX under an assertion that I have an outstanding unpaid debt. I have no returned checks to XXXX or elsewhere. When calling XXXX as directed by XXXX to obtain full disclosure of the purported debt under my information, I receive only a reference number of XXXX. I follow the prompts to speak with a rep, and each time I 've called I hold for more than 45 minutes before being disconnected without ever reaching a rep. Their prompts suggest that I can write to inquire about the debt but the information they require to release full disclosure is something that must be verified through an agent ... So it 's essentially a catch 22. I know by law that they are enjoined to provide full disclosure. Arbitrarily declining my 'business ' without justifiable reasons is against federal fair business practices.