Wow. I accidentally used my bank account instead of my credit card, and the account had nothing in it. So Amazon ships the item anyway, then sends a collection agency after me which cost me an extra $25.
Does anyone know if this goes on your credit report?
I had more than enough funds in my account. THEY say the account number was inputted incorrectly, however no information on such was forthcoming in any of the messages they sent me. Amazon at any rate decided to immediately send a collection agency after me. It took forever to even figure out why I was being harassed by a collections agency, and I had to waste large amounts of precious vacation time to get this matter resolved.
Actually, if I recall correctly, it may even be closer to two weeks after I sent the money order to TRS. I sent a money order instead of a check because TRS specifically requested that I do so, because they said it would "clear faster." Apparently, this made no difference whatsoever, and after many phone calls to both Amazon and TRS, Amazon still sends me a message claiming it's my responsibility to waste even more of my time to call TRS even after I had already sent them a money order.
Just want to quote from Amazon's Orwellian form letter, so any other hapless customer who falls afoul of Amazon's malfunctioning bank payment system (compare this with the much less glitch prone Paypal) knows what to expect before Amazon send its little winged monkies from TRS after you.
"Both TRS Recovery Services and Amazon.com appreciate your response and attention to this matter within the next three 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 Amazon.com 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 Amazon.com account when TRS Recovery Services confirms that the amount in question has been paid in full. We appreciate your understanding."
It has been astonishing to me that Amazon is so disdainful of its customers as to send a collections agency after them as if they were criminals without even bothering to inform them beforehand that the transaction had gone wrong, and why the transaction had gone wrong.
Moral of the story, Amazon customers: DO NOT USE BANK PAYMENT, because if anything goes wrong, Amazon will give your personal information to a collections agency, and you will be subject to repeated harrassing automated phone calls, none of which actually tell you what the problem is, and you will waste vast amounts of time trying to get to the bottom of it all.
And after further web scrounging here (http://askville.amazon.com/issues-tele-check/AnswerViewer.do?requestId=62739410) I've found that the issue is with Telecheck, who apparently can deny payment from your bank account for arbitrary reasons notwithstanding the clear existence of sufficient funds therein to cover the cost of the transaction. TRS recovery services is a division of Telecheck, so Telecheck apparently can refuse to take your money (which you clearly have), and then harrass you because THEY DECIDED to refuse to take your money.
I too was blindsided by Amazon with these calls from TRS, one at work the other day and one this morning (Saturday) at 8:00AM They said there "was a problem with my transaction" and wanted my account information over the phone. I stated that to my knowledge nothing had happened as I received the wares and I had not received any contact about any issue from Amazon. I called Amazon Customer service yesterday who said they could not find any problems and apologized for my inconvenience. I would have to talk to a different dept who have limited hours and who would contact me via email. A couple of hours after my second TRS call early this morning I received the form email which was quoted above.
I am still reeling that it went straight to collections without even a hint that something was amiss, AND so quickly too. My purchase was just over 10 days ago! My account had funds to cover the transaction, perhaps I entered the routing info incorrectly. I was not even given a chance to make it right with Amazon. I have never had an issue with Amazon before after years of purchases through them. I decided to try the checking account payment option thinking it would be like using PayPal, boy was I wrong.
Amazon you dun goofed! NOT the way to treat loyal customers.
TRS is a scam! Do not pay! I just got a letter saying I owe them money for a check I supposedly wrote. I don't even live near the Walmart I supposedly shopped at. I checked my bank and they show NOTHING trying to go through. TRS wants me to pay them for something I never wrote a check for. It is a COMPLETE fradulant company and I am filing a complaint. When you google TRS RECOVERY SERVICES you will see all the numerous people complaining about this SCAM company. Don't pay them anything! Instead file a complaint!
I am so sick and tired of TRS AND Amazon...I will NEVER be shopping with Amazon again and will also be telling not to waste their time on Amazon as well. I am dealing with the TRS Recovery Services when I tried to cancel an order right after I made a purchase (realizing I typed in the wrong bank information...one that was already a closed account) and Amazon WOULD NOT let me cancel the order...on top of that...I have NOT received the book from Amazon and they are still trying to collect a debt that I didn't receive merchandise! I WILL recommend to everyone that I know not to use Amazon as they are trying to steal an little penny they can get from people by using an unjust system!
Google "TRS" and "Unwanted phone calls". Apparently, many people advise against giving any personal info to TRS, even if you owe anything to Amazon. They will double-charge you and you will never see the end of the harassing phone calls.
UPDATE as of 04/19/2010: A day after posting a complaint here and stating that I'll take Amazon to small claims court, Amazon resolved the issue. Note that I contacted Amazon several times before but they didn't want to help me.
Here's my initial post:
After I used debit card and Amazon collected payment, I started receiving harassment phone calls from TRS, too. They claimed that I input wrong bank account number, although my bank said that amazon collected the payment without any problem. I called Telecheck which collects payments for Amazon, and they didn't even have any information about me owing them anything. TRS harasses me every 3 days; now they want my bank to fax them a statement showing that Amazon already collected payment.
I am not going to give them any of my personal info, especially my bank statement. I'll do what was advised on one of the forums:
Send them a letter, by U.S. Mail, Certified Return Receipt Requested, notifying them that they have been repeatedly calling your number asking for ... [PAYMENT ERROR] and that they are to stop harassing you with phone calls and cease further communications.
Reference your phone number that they are calling, and list the times and dates of their calls.
If their calls do not stop within a week of getting back the green card confirming their receipt of your letter, send a second letter, also CRRR, listing the times and dates of their violations of your "cease communications" request starting on the date they received it, and file a complaint with the FTC, your state AG, and the Texas AG (for violation of the FDCPA "cease communications" request and corresponding state laws), and the FCC (for misuse of an autodialer). Indicate on your second letter that a copy has been sent to each (i.e.: "CC: FTC, xxx AG, Texas AG, FCC").
If they still continue after receiving this second letter, start shopping your case around to attorneys who handle junk telemarketing calls and Do Not Call violations, consumer protection, and FDCPA litigation. Or bring suit in your local small claims court, as allowed under FDCPA.
I also got the email from amazon notifying me that my financial institution is not able to process a transaction for my recent orders. Amazon holds my account until I contact TRS and clear up my payment. But I got so confused, first, I already got my item around 10 days ago with receipt and an email from amazon claiming that TRS got my payment. Second, I just accessed my amazon account and found that I still can view my order info and track package, so I don't think amazon really put a hold on my account. Till now, I haven't got any call from TRS. Hopefully, nothing happens.
Another dissatisfied Amazon customer here. Apparently I forgot to change my payment method to the debit card I wanted to use and Amazon had defaulted to my old checking account that I no longer use, but is still open with a small amount of money in it. My bank account had insufficient funds, so Amazon took a $30 fee from that account.
Despite this problem, Amazon shipped my merchandise and immediately put me into collections with TRS. I got an e-mail from Amazon notifying me of this, but there was no reference number and no contact information for TRS. I called TRS to make the necessary payment and it's a good thing I called when I did. They said they would have tried to run the transaction through my bank account again the next day, which would of course get another insufficient funds fee. TRS didn't try to contact me at all, by the way.
TRS did let me pay with a debit card over the phone, but they charged me a $20 fee to make the payment. So I got ripped of for $50 because I forgot to look at that tiny portion of Amazon's check out page that shows the payment information. Amazon should prompt you to select a payment method instead of just picking one for you. The fact that they are so quick to ship your merchandise so they can put you into collections is pretty scummy.
I just received a e-mail with a letter letting me know they can not charge my purchase thru my BANK INSTITUTION, yes after being regular customer in Amazon since 2007!!. I input my bank account because I want to start selling in Amazon, and I used to pay my last purchase on 5/9/11 for the mount of $60, this amount shows was paid by my Bank. After 10 days Amazon put me in colletion thru TRS Recovery System and direct me to give my Bank Information to them.I advise do not give any personal information by phone and I do not understand why Amazon do not have the ability for re-process the payment if something goes wrong and decided to punish the customer using this type of Very Bad Reputation Collection Company. I just start this ugly clarifying process, send e-mail to Amazon and an unuseful automated response was send to my e-mail.Now I am thinking do not use anymore Amazon and all the trust that we develop during all this years is GONE.The Learning after all this situation is NEVER use a CHECK or BANK ACCOUNT for making payments if you do not want to deal with this company.
For your information this is the e-mail letter:
Amazon.com 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 Amazon.com 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 Amazon.com.
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 (800)366-1049 (outside of the US, call 713-567-0499), Monday through Friday, between the hours of 7:00am to 9:00pm CT, or Saturday between the hours of 8:00am to 5:00pm CT.
Both TRS Recovery Services and Amazon.com appreciate your response and attention to this matter within the next three 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 Amazon.com 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 Amazon.com account when TRS Recovery Services confirms that the amount in question has been paid in full. We appreciate your understanding.
UPDATE My encounter ended up not being as bad as it first seemed. Amazon contracts out their collecting and recovery. It turns out it was not a "collection" in the commonly understood term, where it's affecting credit and such. However the people I dealt with there treated me more like my payment was 60 or more days past due, rather than a handful of days. One big issue for me was the timing, TRS called out of the blue a day or two BEFORE I got the email from Amazon that there was an issue. It would have been better if the email came 1st. It would have been best if I was given a chance to fix it before it went to a 3rd party.
Amazon sent my information to TRS recovery a week after I made an order. When I called, it turned out they had incorrectly processed the payment. I entered my bank account number accurately and there were funds in the account. What a terrible business practice on the part of Amazon. The reason to buy things from Amazon is convenience and this is certainly not convenient! Makes me wonder whether I should shop with Amazon anymore.
I'm sick of this TRS Recovery Services stuff and am nearly ready to quit using Amazon. I made an order, then a few days after it was delivered, I start getting calls from "Unknown Number". I don't trust when people block their numbers, but since the calls kept coming in, I bit the bullet and answered. I was greeted by a customer service representative saying my transaction failed. Ok, no big deal. She asked for my bank info, but I said I would call back since I didn't have it on hand.
I call back a few hours later and eventually get a hold of a representative. I give my information and she told me that the payment was fine and had passed through! She even gave me a confirmation code! Still, the calls from the "Unknown Number" TRS Service representative kept coming through. I called again when I had free time, and surprise! I was again told my payment was fine. The payment even showed up un my online bank statement. A few days ago, my Amazon account was locked and I'm still getting calls from this "Unknown Number" representative. Before you get bill collectors to do the work, Amazon, at least tell us something is wrong. And use a more competent service to boot.
My account should NEVER have been put on hold. When I realized that I hadn't updated when I closed one account and opened another. I corrected the information immediately. THE same day as the order was placed. I received confirmation via email. I did not appreciate having TRS sending two invoices for each of three orders. Orders that were all a part of one. I made ONE order and it was broken up into three. I was charged shipping when I supposedly qualified for free shipping. I get two invoices for THREE orders saying I did NOT pay and OWED money that had already been paid and accepted and a notice that my account is on hold. RIGHT now I am seriously considering closing my account with Amazon as it appears there is a lot of incompetence involved. If this is how you do business, screwing people over. I will take my business elsewhere. I am NOT a happy camper with Amazon.