FEDChex Recovery (FCR Services): Who They Are and Your Rights

Type

Collection agency

Also known as

FEDChex Recovery, LLC; FCR Services; FCR Collection Services; PayMyBalance.com

Headquarters

Irvine, CA

Collects

marketplace and technology platform balances, tuition, fees and textbook rentals, energy and utility bills, patient balances, government and municipal charges, returned (NSF) checks, business-to-business receivables

Phone numbers it lists

(949) 440-4600

Website

placeyourcollections.com

148 debt collection complaints were sent to the Consumer Financial Protection Bureau about FEDChex Recovery, LLC from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is FEDChex Recovery?

FEDChex Recovery, LLC is the name the CFPB uses for the company that now presents itself as FCR Services. The old fedchex.com address forwards to FCR's website, FCR's client login runs under a "FEDCHEX" account, and the Better Business Bureau profile for FCR Collection Services at the same Irvine address lists FEDChex Recovery LLC among its alternate names. FCR says it was founded in 2001, has been privately held since, and grew out of a payments business that handled ACH processing and check authorization.

FCR's website lists its office at 8 Goodyear, Suite 110, Irvine, California 92618, and its phone as (949) 440-4600. It publishes NMLS ID 1126700 and California collection license number 10491-99. Consumers who get a letter are pointed to PayMyBalance.com, which shows support hours of 7 a.m. to 5 p.m. Pacific, Monday through Friday. We did not find a CFPB enforcement action against FEDChex Recovery or FCR Services.

Why FEDChex Recovery May Be Contacting You

FCR lists an unusual mix of clients: online marketplaces and technology platforms, cities and other public agencies, colleges (tuition, fees and textbook rentals), energy and utility companies, healthcare providers and businesses. It also handles low-dollar claims and NSF, or bounced, checks, which fits its payments roots. A letter from FCR might therefore concern an unreturned rental textbook, a closed utility account, a returned check to a merchant, or a balance with an app or online service.

How to Check a Debt FEDChex Recovery Says You Owe

Small balances are easy to pay just to make them go away, but they still deserve a check.

• Read the validation notice. It must name the creditor (the school, utility, merchant or platform) and itemize the balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing in time. For a textbook rental, ask for the return records; for a returned check, ask for a copy of the check and the bank's return notice; for a utility, ask for the final bill and meter readings.
• Look at returned-check fees. Ask what law or agreement allows any added fee and compare it to the face amount of the check.
• Ask whether the creditor still owns the account.
• Check the timing. Texas generally allows four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states set different periods.

What FEDChex Recovery Can and Can't Do

An agency that regularly collects consumer debts for others is a "debt collector" under 15 U.S.C. § 1692a(6). A bounced check written for personal, family or household purposes is a consumer debt, so the FDCPA applies to collecting it; business-to-business receivables are not covered.

• It may not collect a fee or charge unless the agreement or law permits it (15 U.S.C. § 1692f(1)). See can a collector add fees to my debt?
• It may not falsely suggest that a bounced check will lead to arrest or prosecution (15 U.S.C. § 1692e(4)).
• It may not deposit a postdated check early or threaten to do so (15 U.S.C. § 1692f(2)–(4)).
• Calls are presumed harassing beyond seven in seven days per account (12 C.F.R. § 1006.14(b)(2)).

Visit our FDCPA attorneys page for more.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If FEDChex Recovery (FCR Services) or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• FCR Services: home page
• FCR Services: About
• PayMyBalance.com (FCR Services payment site)
• BBB business profile: FCR Collection Services (alternate names, address; facts only)
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: FEDChex Recovery, LLC, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that FEDChex Recovery (FCR Services) has violated any law. Company details change; tell us if something here is out of date.