Many financial institutions find collecting demand deposit account (DDA) debt time-consuming, costly and difficult. The TRS Recovery Services® DDA Collection Services enables you to recover DDA debt quickly and affordably—so you can concentrate on serving your customers. Through the third party collection services subsidiary, TRS Recovery Services, First Data enhances its suite of risk management tools for financial institutions.

TRS DDA Collection Services can help you in several ways. Customers consistently realize a substantial increase in DDA debt liquidation at lower cost, compared to our competition. Fees are highly competitive and are billed on a contingency or flat fee basis, and there are never any up front costs.

In addition, these services are performed in an environment which is fully compliant with the Fair Debt Collections Practices Act ((FDCPA), the Fair Credit Reporting Act (FCRA) and the Telephone Consumer Protection Act (TCPA). Outsourcing small-balance DDA debt to us frees your staff to focus on larger, more significant collections.

TRS Recovery Services® DDA Collection Services

Increase recovery of demand deposit account debt while you reduce collection costs.

TRS Recovery Services® DDA Collection ServicesFinancial institutions rely on TRS DDA collections for tailored services to match their recovery needs

Collection Service Options

Through TRS Recovery Services®, First Data offers two options to meet your needs: a customized program that begins with a notice campaign to gently encourage consumer payment, then steps up to full agent collections as the account ages; or, a full service campaign that provides an immediate agent contact program along with notices to collect DDA losses.

When an individual’s account is closed in overdraft,the account is placed with TRS Recovery Services fortraditional collection services and the person’s abilityto write checks or open new accounts is limited.

Our unique consumer transaction blocking link works in realtime at more than 380,000 participating TeleCheckmerchant locations and financial institutions. It advisesthe merchant or bank to decline the debtor’s check orapplication, providing an immediate incentive to resolvethe debt. Simultaneously, using recovery-scoring tools to determine the best collection methods, we maximizeour recovery efforts with customized, targeted letterand telephone campaigns.

TRS features an easy-to-use internet portal for our clients to view collection notes, provide payment or other updates to the accounts in its system.

Our collection agents are experts—trained and certified in FDCPA—and specialize in DDA collections. We treat your debtor with respect, resolve their charged-off account balance quickly and easily, and clear their record so they may once again write checks or open accounts.

Benefits for Your Financial Institution• Improved DDA debt liquidation and cost savings

• Easy integration into existing processes

• Unique incentive for consumers to repay debt— through exclusive access to our consumer transaction blocking link

• Advanced, analytics-driven collection strategies

• Reduced collection liabilities—e.g., legal compliance, dispute resolution and agent training

• More efficient use of internal resources

• Secure internet portal for clients to view accounts, collector notes and provide payment and other account updates

Benefits for Your Customers• Customer-centric campaigns offer a variety of

payment options

• Quick, easy resolution of consumers’ charged-off account balance

• A clear record, so they can again write checks or open accounts.

TRS DDA Collections Features• Unique consumer transaction blocking link—a real-time

advisory to merchants and financial institutions to decline checks or account applications submitted by DDA debtors

• Robust predictive scoring to determine best collection methods

• Customized telephone and mail campaigns for each financial institution

• State-of-the-art dialer to maximize debtor contact

• Exclusive focus on collecting DDA debt

• Excellent customer service

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Payment Solutions for Maximum PerformanceAround the world every day, First Data makes payment transactions secure, fast and easy for merchants, financial institutions and their customers. We leverage our unparalleled product portfolio and expertise to deliver processing solutions that drive customer revenue and profitability. Whether the payment is by debit or credit, gift card, check or mobile phone, online or at the point of sale, First Data helps you maximize the value for your business.