Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:12/22/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with ******** I do not have a contract With, TRUEACCORD CORPORATION They did not provide me with the original contract as I request.

  Business Response

  Date: 12/30/2024

  On December 24, 2024, TrueAccord Corp. received your BBB complaint. TrueAccord has not heard from you prior to this complaint. We take every complaint seriously and appreciate the opportunity to address your concerns. 

  TrueAccord is a third party debt collection company established to reimagine the debt collection experience for consumers. Founded in 2013, TrueAccord communicates primarily via email and offers an inbound customer service center in the event a consumer prefers to call in and speak with a live agent. One of our guiding principles is treating our consumer-customers with dignity and respect. We are a licensed and bonded agency and registered with the CFPB. We maintain a full-time internal compliance department that established our policies and procedures to exceed the minimum regulatory requirements of the state, federal and local laws governing collections. Our in-house training program instructs our agents on these policies, including annual refresher courses.
  

  TrueAccord does not own the account in question. The current creditor placed the account, including the contact information, with us and we loaded it into our system on December 5, 2023. 
  

  On December 6, 2023, TrueAccord sent you an initial email detailing the creditor, an itemization of the amount due, how the debt could be disputed, and the option to unsubscribe. It also included a link to the CFPB website (*******************************n) for you to learn more information about your federal rights.
  

  TrueAccord has processed this complaint as a dispute. We have paused collection activity, requested debt verification from the current creditor, and will not resume collections until after the debt verification has been sent to the address on file. 
  

  As a result of this dispute, TrueAccord submitted a request on December 29, 2024 for the tradeline to be removed from your credit report. It typically takes around 45 days for the credit report to be updated by the credit bureaus. If you have  additional questions regarding credit reporting, we suggest you reach out directly to the credit reporting agencies.
  

  If you have any more questions, you can contact us via email at [email protected] or by phone at ***** ********. Thank you.

  Customer Answer

  Date: 12/30/2024

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  ******** ****

• Initial Complaint

  Date:12/19/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I filed for bankruptcy, I submitted documentation to both ****** and TrueAccord however TrueAccord is still harrassing me constantly stating I have debt in collections with them through ****** even after I provided my bankruptcy case number, and court letter.

  Business Response

  Date: 12/31/2024

  On December 24, 2024, TrueAccord Corp. received the BBB complaint filed by ***** ********** (“the consumer”). We take every complaint seriously and appreciate the opportunity to address the consumer’s concerns. 
  TrueAccord is a third party debt collection company established to reimagine the debt collection experience for consumers. Founded in 2013, TrueAccord communicates primarily via email and offers an inbound customer service center in the event a consumer prefers to call in and speak with a live agent. One of our guiding principles is treating our consumer-customers with dignity and respect. We are a licensed and bonded agency and registered with the CFPB. We maintain a full-time internal compliance department that established our policies and procedures to meet the requirements of the state, federal and local laws and regulations governing collections. Our in-house training program instructs our agents on these policies, including annual refresher courses.
  TrueAccord does not own the account in question. The current creditor placed the account, including the consumer’s contact information, with us and we loaded it into our system on December 17, 2024. 
  
  On December 18, 2024, TrueAccord sent the consumer an initial email detailing the creditor, an itemization of the amount due, how the debt could be disputed, and the option to unsubscribe. It also included a link to the CFPB website (********************************) for the consumer to learn more information about their federal rights.
  On December 18, 2024, subsequent to sending the email above, TrueAccord received notice that the consumer filed bankruptcy in August of 2024. According to court records the bankruptcy was closed in November of 2024.
  Please note that we are no longer collecting on the account.The last communication sent to the consumer by TrueAccord on this account was on December 18, 2024. Since the account is no longer with TrueAccord, we have forwarded this complaint to the current creditor.

  Customer Answer

  Date: 01/03/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  I am still receiving calls and emails for orders that have been discharged under bankruptcy. Lawyer guided to no further contact and see in court. 
  
  Sincerely,
  
  
  
  ***** **********

• Initial Complaint

  Date:12/17/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  True Accord is attempting to collect $456.15 but this is a fraud. I never signed up for A* * * *****s, nor did I receive any subscription. I will not pay for something I never authorized or used. A* * * *****se is a triple-play service that included internet, phone and television services which I have never received any of this from AT & T and now True Accord is attempting to collect in which is a fraud. I have been using Comcast and Tmobile for over 10 years and I would like to see evidence of my subscription.

  Business Response

  Date: 01/02/2025

  On December 24, 2024, TrueAccord Corp. received the BBB complaint filed by Maria Crouch (“consumer”). We take every complaint seriously and appreciate the opportunity to address their concerns. 

  TrueAccord is a third party debt collection company established to reimagine the debt collection experience for consumers. Founded in 2013, TrueAccord communicates primarily via email and offers an inbound customer service center in the event a consumer prefers to call in and speak with a live agent. One of our guiding principles is treating our consumer-customers with dignity and respect. We are a licensed and bonded agency registered with the CFPB. We maintain a full-time internal compliance department that established our policies and procedures to meet the requirements of the state, federal and local laws and regulations governing collections. Our in-house training program instructs our agents on these policies, including annual refresher courses.

  TrueAccord does not own the account in question. The current creditor placed the account, including the consumer’s contact information, with us and we loaded it into our system on November 16, 2024. On November 30, 2024, TrueAccord sent the consumer an initial email  detailing the creditor, an itemization of the amount due, how the debt could be disputed, and the option to unsubscribe. It also included a link to the CFPB website (htt*******************collection) for the consumer to learn more information about their federal rights.

  On December 17, 2024, TrueAccord received the consumer’s email disputing this debt. We processed this dispute and paused collection activity. In addition, we processed a cease and desist on the account, therefore TrueAccord will no longer contact the consumer regarding this account. 

  As a result of the cease and desist, the current creditor removed the consumer’s account from our system on December 26, 2024, therefore TrueAccord is no longer collecting on it. The last communication sent to the consumer by TrueAccord on this account was on December 18, 2024, which confirmed receipt of the dispute, as well as informed them that TrueAccord was no longer collecting on the account. Since the account is no longer with TrueAccord, we have forwarded this complaint to the current creditor.

  Lastly, TrueAccord has not reported this account to any of the credit bureaus. If the consumer has questions regarding credit reporting, we suggest they reach out directly to the current creditor or the credit reporting agencies.

  If the consumer has any more questions about the account, we suggest they contact the current creditor directly. Thank you.

  Customer Answer

  Date: 01/02/2025

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 2******6, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  ***** ******

• Initial Complaint

  Date:12/11/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 12/6, I received an email from TrueAccord stating I owe a $223. 12 debt to **** ******* *** for an account ending in **** that went into default on Oct 17, 2017 and was charged off on Feb 14, 2018. On 12/10, I received another email stating I owe a debt of $223.12 to a "webbank" with an account ending in ****.
  
  I have NEVER had an account with **** ******* *** or any of it subsidiaries. This alleged "debt" is not and never was on my credit report, this debt is not mine and the address they listed for me is NOT and has NEVER been my address. TrueAccord is scamming people during the holidays, attempting to cash in on whatever vulnerable person falls into their trap, how shameful. I WILL SUE trueaccord if this non-existent debt appears on my credit report.

  Customer Answer

  Date: 12/12/2024

  I will not contact this company because they are trying to scam me which is why im reaching out to you. They are trying to get my personal information and I will not provide it to them. I have no debts. This "collection" is not and was never on my credit report. I never lived in NH, as their documentation states. This company is contacting me regarding a debt that does NOT belong to me. I dont understand why I would risk my credit even further by calling this company and providing them with my personal information. This is what I am trying to avoid. As you see with previous complaints, this company does not provide debt verification. 

  Business Response

  Date: 12/17/2024

  On December 13, 2024, TrueAccord Corp. received your BBB complaint. We take every complaint seriously and appreciate the opportunity to address your concerns. 

  TrueAccord is a third party debt collection company established to reimagine the debt collection experience for consumers. Founded in 2013, TrueAccord communicates primarily via email and offers an inbound customer service center in the event a consumer prefers to call in and speak with a live agent. One of our guiding principles is treating our consumer-customers with dignity and respect. We are a licensed and bonded agency and registered with the CFPB. We maintain a full-time internal compliance department that established our policies and procedures to exceed the minimum regulatory requirements of the state, federal and local laws governing collections. Our in-house training program instructs our agents on these policies, including annual refresher courses.
  

  Please note that the contact information for this account was provided to TrueAccord by the current creditor. Since you have advised us that you are not the account holder, we have unsubscribed the email address from this account and will not contact you about this account again.
  

  We hope that this response thoroughly addresses your concerns. Thank you.

• Initial Complaint

  Date:12/06/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am aware of this tradeline unlawfully reporting on my consumer report. And would like to conduct a further investigation. Please submit all documents that you have submitted to consumer reporting agencies. That you used to create this tradeline on my credit report. I have reason to believe that you unlawfully obtained my personal identification information. Without my prior consent; which, you have used to create this tradeline on my credit report. let me explain, if you have used my Name and any other personal identifiable information such as: a social security card, driver license, or my address. Without a signed agreement between me and your agency. That expresses mutual assent from both parties. Then you are facing some serious penalties under the UNITED STATES CODE. Pursuant 18 USC 1028A Aggravated identity theft. (See United States v. Kuc, 737 F.3d 129, 134) "Pursuant to 18 U.S.C. § 1028A(a)(1), a person is guilty of aggravated identity theft if, in relation to any crime listed in § 1028A(c), he "knowingly . . . uses, without lawful authority, a means of identification of another person." The statute defines the term "means of identification". To mean "any name or number that may is used alone, or in conjunction with any other information. To identify a specific individual, including any name, social security number, [or] date of birth." Meaning if you used 2 separate forms of identification without my consent. Then you committed aggravated identity theft under 18 USC 1028A. If you delete this tradeline then i will drop my claim.

  Business Response

  Date: 12/11/2024

  On December 9, 2024, TrueAccord Corp. received your BBB complaint. We take every complaint seriously and appreciate the opportunity to address your concerns. 

  TrueAccord is a third party debt collection company established to reimagine the debt collection experience for consumers. Founded in 2013, TrueAccord communicates primarily via email and offers an inbound customer service center in the event a consumer prefers to call in and speak with a live agent. One of our guiding principles is treating our consumer-customers with dignity and respect. We are a licensed and bonded agency and registered with the CFPB. We maintain a full-time internal compliance department that established our policies and procedures to exceed the minimum regulatory requirements of the state, federal and local laws governing collections. Our in-house training program instructs our agents on these policies, including annual refresher courses.

  TrueAccord does not own the account in question. The current creditor placed the account, including the contact information, with us and we loaded it into our system on May 28, 2024. 

  On May 29, 2024, TrueAccord sent you an initial email detailing the creditor, an itemization of the amount due, how the debt could be disputed, and the option to unsubscribe. It also included a link to the CFPB website (********************************* for you to learn more information about your federal rights.

  On December 6, 2024, TrueAccord processed your dispute request via your CFPB consumer complaint. We have paused collection activity, requested debt verification from the current creditor, and will not resume collections until after the debt verification has been sent to the address on file. Please note, we do not have a current address for you on file. In order to receive the verification documents, please reach out to ********************** or by phone at ***** ******** to provide an updated address.

  As a result of this dispute, TrueAccord submitted  a request on December 8, 2024 for the tradeline to be removed from the credit report. It typically takes around 45 days for the credit report to be updated by the credit bureaus. If you have additional questions regarding credit reporting, we suggest you reach out directly to the credit reporting agencies.
  

  As a final note, TrueAccord takes compliance very seriously and maintains all applicable licenses required by law. All of TrueAccord’s licensing information can be found on our website: ************************************************************
  

  If you have any more questions, you can contact us via email at ********************** or by phone at ***** ********. Thank you.

  Customer Answer

  Date: 12/12/2024

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  Franchesca Caceres

• Initial Complaint

  Date:12/04/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I'm not liable for this debt with TrueAccord. I don't have a contract with TrueAccord , they did not provide me with the original contract as l requested.

  Customer Answer

  Date: 12/06/2024

  **********************************I never signed a contract with TrueAccord. I do not recognize this company. Therefore I’m not liable for this debt.

  Business Response

  Date: 12/16/2024

  On December 9, 2024, TrueAccord Corp. received the BBB complaint you filed. TrueAccord has not heard from you prior to this complaint. We take every complaint seriously and appreciate the opportunity to address your concerns. 

  TrueAccord is a third party debt collection company established to reimagine the debt collection experience for consumers. Founded in 2013, TrueAccord communicates primarily via email and offers an inbound customer service center in the event a consumer prefers to call in and speak with a live agent. One of our guiding principles is treating our consumer-customers with dignity and respect. We are a licensed and bonded agency registered with the CFPB. We maintain a full-time internal compliance department that established our policies and procedures to meet the requirements of the state, federal and local laws and regulations governing collections. Our in-house training program instructs our agents on these policies, including annual refresher courses.

  TrueAccord does not own the account in question. The current creditor placed the account, including your contact information, with us and we loaded it into our system on July 26, 2024. On July 29, 2024, TrueAccord sent you an initial email detailing the creditor, an itemization of the amount due, how the debt could be disputed, and the option to unsubscribe. It also included a link to the CFPB website ********************************** for you to learn more information about your federal rights.

  TrueAccord has processed this complaint as a dispute. We have paused collection activity, requested debt verification from the current creditor, and will not resume collections until after the debt verification has been sent. Please note, we do not have a current address for you on file. In order to receive the verification documents, please reach out to ********************** or by phone at ***** ******** to provide an updated address. 

  Please note that TrueAccord does not credit report for ******, but ****** does. If you have any questions regarding credit reporting or would like to report unauthorized activity, we encourage you to reach out directly to the creditor or the credit reporting agencies. You may reach ****** by calling ************ between the hours of 8 a.m. and 7 p.m. CT seven days a week.

  In the process of investigating this complaint, we reached out to ******. ****** provided the following information:

  ******’s records indicate that the loan in question is *********. Loan ********* was processed for $745.19 on July 21, 2023, for a purchase with ******. The repayment terms were 18 installments of $51.73 at an Annual Percentage Rate (APR) of 29.49% with payment due on the 21st of each month. Between the dates of August 21, 2023, and February 21, 2024, ****** received a total of 7 payments of $51.73. No further payments were received and the loan was charged off on July 20, 2024, after having an overdue balance for 120 days.

  As stated in ******'s Terms of Service, Section 2, Servicing & Collection, which *** ***** agreed to upon account creation and every time he applied for a loan: "You agree to allow ****** to send you payment reminders from time-to-time. Notwithstanding whether you have consented or withdrawn your consent to the ****** E-Sign Consent, you agree that payment reminders may take the form of any available communication, subject to applicable law. You also agree that if you fail to pay an amount owed to ****** pursuant to this Agreement or any other agreement you have with us or any Bank Partner, ****** may engage in collection efforts to recover such amounts from you. These collection efforts may involve contacting you directly, submitting your information to a collections agency, or taking legal action. FAILURE TO PAY MAY AFFECT YOUR CREDIT SCORE."

  Upon charge-off, ****** placed the loan with one of ******'s third-party collection partners,TrueAccord, for continued management. At this time, *** ***** will need to contact TrueAccord at ************** to settle this debt. Once the balance is paid in full, the loan will reflect as paid. However the history of charged off status will remain.

  ****** has no record of receiving contact from *** ***** to report that the loan was obtained without authorization. Upon receipt of this complaint a case has been forwarded to ******’s Account Safety Team for investigation. *** ***** can expect to receive their follow up via email within 30 days. In the interim, if *** ***** believes that this loan was obtained without his authorization, he is encouraged to complete ******'s webform which serves as an affidavit within ******'s Help Center and provide any supplemental documents to support the claim of the unauthorized activity. To do so, please see the following link: ******************************************************************-account-or-loan
  Upon origination of the loan, *** ***** electronically accepted/signed a Truth in Lending Agreement. To access his loan agreements online, visit ********************************** and access your ****** account. Once logged in, navigate to the “Pay” tab and select the desired loan. In the “Loan Timeline” section, select “Loan Terms.” This will open the Truth in Lending Disclosure for that particular loan. As stated in ******'s Terms of Service which *** ***** agreed to upon account creation and every time he applied for a loan, specifically Section 1: Electronic Disclosures: "Your electronic signature on agreements and documents has the same effect as if you signed them in ink." More information on ******'s Terms of Service can be found here: *****************************

  For *** ******* reference, copies of the Truth in Lending Agreement bearing his electronic signature and Loan Verification document have been attached to this response. Together, these documents provide the debt verification that he seeks.

  Please note, ****** has a regulatory obligation to furnish accurate loan and repayment information (positive or negative) to the credit bureau and can only update reporting if an inaccuracy is identified. Furthermore, this was disclosed on ******’s Terms of Use and Privacy Policy as well as your Loan Agreement which you consented to and approved when you obtained ******’s loan. More information on ******'s Terms of Service can be found here: ****************************.

  At this time we have confirmed that all credit reporting is accurate and will have to respectfully decline *** ******* request to remove credit reporting for loan *********. 

  In the event that *** ***** has any further questions, we encourage him to reach out to ****** via *******************************************
  

• Initial Complaint

  Date:12/04/2024

  Type:Sales and Advertising Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was contacted by TrueAccord about a debt via email. This debt is not mine. It is also listed as 13 years ago. I didn't have an account with Verizon and I have no derogatory marks on my credit report. They should never have contacted me about this to begin with. I DO NOT WANT THIS PURSUED TO MY CREDIT REPORT OR ANYTHING RELATED TO IT.

  Business Response

  Date: 12/11/2024

  On December 5, 2024, TrueAccord Corp. received your BBB complaint. We take every complaint seriously and appreciate the opportunity to address your concerns. 

  TrueAccord is a third party debt collection company established to reimagine the debt collection experience for consumers. Founded in 2013, TrueAccord communicates primarily via email and offers an inbound customer service center in the event a consumer prefers to call in and speak with a live agent. One of our guiding principles is treating our consumer-customers with dignity and respect. We are a licensed and bonded agency and registered with the CFPB. We maintain a full-time internal compliance department that established our policies and procedures to exceed the minimum regulatory requirements of the state, federal and local laws governing collections. Our in-house training program instructs our agents on these policies, including annual refresher courses.

  TrueAccord does not own the account in question. The current creditor placed the account, including the contact information, with us and we loaded it into our system on November 22, 2024. 

  On December 4, 2024, TrueAccord sent you an initial email detailing the creditor, an itemization of the amount due, how the debt could be disputed, and the option to unsubscribe. It also included a link to the CFPB website (****************) for you to learn more information about your federal rights.
  

  On December 4, 2024. TrueAccord received your email unsubscribe request. We will not contact you about this account via email.
  

  TrueAccord has processed this complaint as a dispute. We have paused collection activity, requested debt verification from the current creditor, and will not resume collections until after the debt verification has been sent to the address on file. 
  

  As a final note, TrueAccord does not report to any of the credit bureaus for this creditor. If the consumer has questions regarding credit reporting, we suggest they reach out directly to the current creditor or the credit reporting agencies.
  

  If you have any more questions, you can contact us via phone at ***** ********. Thank you.

  Business Response

  Date: 12/16/2024

  On December 13, 2024, TrueAccord Corp. received your reply to our response filed on December 13, 2024.  We take every complaint seriously and appreciate the opportunity to address your concerns. 
  

  TrueAccord has processed this complaint as a cease and desist request. Please note that we are no longer collecting on the account. Since the account is no longer with TrueAccord, we have forwarded this complaint to the current creditor. If you have any more questions about the account, we suggest you contact the current creditor directly.
  

  As mentioned in our initial response, TrueAccord does not report to any of the credit bureaus for this creditor. If you have any questions regarding credit reporting, we suggest you reach out directly to the current creditor or the credit reporting agencies.
  

  As a final note, in regards to your concerns about the account being past the statute of limitations, all outbound emails contain the time-barred debt disclosure that is required by law. While debt collectors and creditors cannot sue a consumer to collect a debt once the applicable statute of limitations has expired, debt collectors are still permitted to collect on the debt through other means so long as the appropriate disclosures are provided. Thank you.

  Customer Answer

  Date: 12/16/2024

   
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  ****** ******

• Initial Complaint

  Date:12/02/2024

  Type:Customer Service Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On December first at 7:34pm I received an email stating I owed a debt a capital one account that was due April 30th 2014. I am not sure how they got my name or email address, but the home address they have on file is incorrect, and I was not living in the State of Indiana in 2014. Like many other recent reports, this is fraudulent activity on their part.

  Business Response

  Date: 12/06/2024

  On December 3, 2024, TrueAccord Corp. received the BBB complaint filed by **** ******* (“the consumer”). We take every complaint seriously and appreciate the opportunity to address the consumer’s concerns. 
  TrueAccord is a third party debt collection company established to reimagine the debt collection experience for consumers. Founded in 2013, TrueAccord communicates primarily via email and offers an inbound customer service center in the event a consumer prefers to call in and speak with a live agent. One of our guiding principles is treating our consumer-customers with dignity and respect. We are a licensed and bonded agency and registered with the CFPB. We maintain a full-time internal compliance department that established our policies and procedures to meet the requirements of the state, federal and local laws and regulations governing collections. Our in-house training program instructs our agents on these policies, including annual refresher courses.
  TrueAccord does not own the account in question. The current creditor placed the account, including the consumer’s contact information, with us and we loaded it into our system on November 22, 2024. 
  
  On December 1, 2024, TrueAccord sent the consumer an initial email detailing the creditor, an itemization of the amount due, how the debt could be disputed, and the option to unsubscribe. It also included a link to the CFPB website *********************************) for the consumer to learn more information about their federal rights.
  On December 2, 2024 TrueAccord received the consumer’s email disputing this debt and requesting that TrueAccord cease & desist communication with them. TrueAccord  has processed the dispute and  cease and desist request. TrueAccord will no longer contact the consumer regarding this account. 
  Please note that in the regular course of business, the current creditor removed the consumer’s account from our system on December 4, 2024, therefore TrueAccord is no longer collecting on it. Since the account is no longer with TrueAccord, we have forwarded this complaint to the current creditor.

  Business Response

  Date: 12/12/2024

  TrueAccord has received **** ********s rejection of our December 6, 2024 response. To confirm, we have removed his email from the account in question. TrueAccord is no longer collecting on this account. We invite the consumer to contact the current creditor directly.

  Customer Answer

  Date: 12/13/2024

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  **** *******

• Initial Complaint

  Date:11/25/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable with this debt with Trueaccord corporation. I do not have a contract with the Trueaccord corporation, they did not provide me with the original contract as I requested.

  Business Response

  Date: 12/06/2024

  On November 27, 2024, TrueAccord Corp. received your BBB complaint. We take every complaint seriously and appreciate the opportunity to address your concerns. 
  

  TrueAccord is a third party debt collection company established to reimagine the debt collection experience for consumers. Founded in 2013, TrueAccord communicates primarily via email and offers an inbound customer service center in the event a consumer prefers to call in and speak with a live agent. One of our guiding principles is treating our consumer-customers with dignity and respect. We are a licensed and bonded agency and registered with the CFPB. We maintain a full-time internal compliance department that established our policies and procedures to exceed the minimum regulatory requirements of the state, federal and local laws governing collections. Our in-house training program instructs our agents on these policies, including annual refresher courses.
  

  As an initial matter, TrueAccord has 7 accounts in our system for you. TrueAccord does not own any of the accounts in question. The current creditor placed the accounts, including your contact information, with us and we loaded it into our system.
  

  Account #1 (Klarna ending in ****) 
  

  The account was placed with TrueAccord on July 10, 2020. On July 13, 2020, TrueAccord sent you an initial email detailing the creditor, amount due, how the debt could be disputed, and the option to unsubscribe. 
  

  TrueAccord notified the current creditor of your dispute. However, as part of a regular course of business, the current creditor pulled the account from our system. Therefore, TrueAccord is no longer servicing the account. If you have any further questions about the account, we suggest you contact the current creditor directly.
  

  Account #2 (Klarna ending in ****)
  

  The account was placed with TrueAccord on August 10, 2020. On August  11, 2020, TrueAccord sent you an initial email detailing the creditor, amount due, how the debt could be disputed, and the option to unsubscribe. 
  

  On February 4, 2021, TrueAccord received a payment from you in the amount of $33.54.
  

  TrueAccord notified the current creditor of your dispute. However, as part of a regular course of business, the current creditor pulled the account from our system. Therefore, TrueAccord is no longer servicing the account. If you have any further questions about the account, we suggest you contact the current creditor directly.
  

  Account #3 (Quadpay ending in ****)
  

  The account was placed with TrueAccord on October 21, 2022. On October 1, 2023, TrueAccord sent you an initial email detailing the creditor, an itemization of the amount due, how the debt could be disputed, and the option to unsubscribe. It also included a link to the CFPB website (****************) for you to learn more information about your federal rights.
  

  TrueAccord has processed this complaint as a dispute. We have paused collection activity, requested debt verification from the current creditor, and will not resume collections until after the debt verification has been sent to the address on file. Please note, we do not have a current address for you on file. In order to receive the verification documents, please reach out to *******************com or by phone at ***** ******** to provide an updated address.
  

  Account #4 (Quadpay ending in ****)
  

  The account was placed with TrueAccord on October 21, 2022. On September 30, 2023, TrueAccord sent you an initial email detailing the creditor, an itemization of the amount due, how the debt could be disputed, and the option to unsubscribe. It also included a link to the CFPB website (****************) for you to learn more information about your federal rights.
  

  TrueAccord has processed this complaint as a dispute. We have paused collection activity, requested debt verification from the current creditor, and will not resume collections until after the debt verification has been sent to the address on file. Please note, we do not have a current address for you on file. In order to receive the verification documents, please reach out to ******************.com or by phone at ***** ******** to provide an updated address.
  

  Account #5 (Quadpay ending in ****)
  

  The account was placed with TrueAccord on October 21, 2022. On September 29, 2023, TrueAccord sent you an initial email detailing the creditor, an itemization of the amount due, how the debt could be disputed, and the option to unsubscribe. It also included a link to the CFPB website (****************) for you to learn more information about your federal rights.
  

  TrueAccord has processed this complaint as a dispute. We have paused collection activity, requested debt verification from the current creditor, and will not resume collections until after the debt verification has been sent to the address on file. Please note, we do not have a current address for you on file. In order to receive the verification documents, please reach out to ******************.com or by phone at ***** ******** to provide an updated address.
  

  Account #6 (Possible Finance ending in ****)
  

  The account was placed with TrueAccord on April 3, 2023. TrueAccord has not yet contacted you about this account. As such, we are required to provide to you the following information:

  The address on file for you is *** ******* *** *** *** , Bedford, TX 76022 was enabled or added.

  As of August 12, 2021 you owed $360.28
  Between August 12, 2021 and today
  You were charged this amount of interest $0.00
  You were charged this amount in fees $0.0
  You paid or were credited this amount towards the debt $0.00
  Total amount of the debt now $360.28
  
  Please be advised, you may call or write to us to dispute all or part of this debt. If you write to us we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may also include supporting documents. We accept disputes through our website, by phone, by email, or mail (see these contact options below). 
  

  You may also ask for the name and address of the original creditor, if different then the current creditor. 
  

  Go to **************** to learn more about your rights under federal law.
  

  TrueAccord has processed this complaint as a dispute. We have paused collection activity, requested debt verification from the current creditor, and will not resume collections until after the debt verification has been sent to the address on file. Please note, we do not have a current address for you on file. In order to receive the verification documents, please reach out to ******************.com or by phone at ***** ******** to provide an updated address.
  

  Account #7 (Verizon Wireless ending in ****)
  

  The account was placed with TrueAccord on November 21, 2024. On November 22, 2024, TrueAccord sent you an initial letter detailing the creditor, an itemization of the amount due, how the debt could be disputed, and the option to unsubscribe. It also included a link to the CFPB website (****************) for you to learn more information about your federal rights.
  

  TrueAccord has processed this complaint as a dispute. We have paused collection activity, requested debt verification from the current creditor, and will not resume collections until after the debt verification has been sent to the address on file. Please note, we do not have a current address for you on file. In order to receive the verification documents, please reach out to ******************.com or by phone at ***** ******** to provide an updated address.
  

  As a final note, TrueAccord does not report to any of the credit bureaus for these creditors. If you have any questions regarding credit reporting, we suggest you reach out directly to the current creditors or the credit reporting agencies. Thank you.

  Customer Answer

  Date: 12/06/2024

   
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  ******* *****

• Initial Complaint

  Date:11/20/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I stated receiving text messages about a debt owed. It has an amount of 324.00 a link to click on to get more information. I didn't recognize the account. So, I emailed the company only to get sent back an email from Ningdeih That due to the nature of our accounts, we are unable to speak with anyone other than the account holder. I asked to file a dispute because I don't recognize this account, amount or company. They refused to give me information. Then proceeded to call my phone 3 times in a row 5 mins apart.

  Business Response

  Date: 11/22/2024

  On November 21, 2024, TrueAccord Corp. received your BBB complaint. We take every complaint seriously and appreciate the opportunity to address your concerns.

  TrueAccord is a third party debt collection company established to reimagine the debt collection experience for consumers. Founded in 2013, TrueAccord communicates primarily via email and offers an inbound customer service center in the event a consumer prefers to call in and speak with a live agent. One of our guiding principles is treating our consumer-customers with dignity and respect. We are a licensed and bonded agency and registered with the CFPB. We maintain a full-time internal compliance department that established our policies and procedures to exceed the minimum regulatory requirements of the state, federal and local laws governing collections. Our in-house training program instructs our agents on these policies, including annual refresher courses.
  

  Please note that the contact information for this account was provided to TrueAccord by the current creditor. Since you have advised us that you are not the account holder, we have unsubscribed the phone number from this account and will not contact you about this account again.
  

  We hope that this response thoroughly addresses your concerns.