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:04/13/2024

  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.

  There was a concert that I didn't go to (ticketmaster)purchase I called to cancel the tickets they saying I owe them.

  Business Response

  Date: 04/24/2024

  On April 15, 2024, TrueAccord Corp. received the BBB complaint you filed. 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 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 be advised, your attachment to this complaint  is not legible.

  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 July 12, 2022. 
  
  On July 14, 2022, 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.

  In August of 2022, TrueAccord received your first dispute and provided you with verification of debt In May of 2023. On January 30, 2024 TrueAccord received your second dispute and again provided you with verification of the debt on March 22, 2024. 

  We have processed this complaint as a dispute. We requested your debt verification from ****** and will not resume collection activity until verification has been provided.

  In the process of investigating this complaint, we reached out to ******* ****** provided the following information:
  ******** records indicate that loan ********* was processed on February 7, 2022, for a purchase with the merchant, Ticketmaster, in the amount of $148.00. This loan has terms of 29.83% Annual Percentage Rate (APR) and 6 monthly payments of $26.86 due on the 7th of each month. This loan was charged off to ******** third party collection agency, TrueAccord on July 6, 2022, due to becoming 120 days overdue. 
  
  *** ******** contacted ****** through our chat service on June 29, 2022, following up on a previous request about disputing the loan. The ****** agent she spoke with advised her that the loan was under review by our Resolutions Team and once reviewed they would be in contact. The ****** agent escalated her request as well the same day. 
  
  On July 1, 2022, after review of the investigation, ****** advised her that the dispute had been closed in the merchant’s favor because they were following their policy. Please note, ****** manages the financing of the purchase, and all refunds are subject to the policies of the merchant. Until the merchant refunds the loan, she is still responsible for repayment. 
  
  We have investigated any credit reporting implications because of her recently adjudicated merchant dispute and have taken steps to ensure that it is not inaccurately reflected on her credit report.
  
  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. At this time, we have confirmed that all credit reporting is accurate and will have to respectfully decline her request to remove credit reporting for loan *********.
  
  If you have any further questions, we encourage you to reach out to ****** via *******************************************

• Initial Complaint

  Date:04/12/2024

  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 writing to inform you of several legal violations committed by TrueAccord Corp that have infringed upon my consumer rights and privacy. These violations include unauthorized selling of personal information, failure to provide proof of alleged debt, and violation of consumer privacy rights under federal statutes.
  
  I demand that TrueAccord and AT&T UVerse hhimmediate cessation of all activities that infringe upon my rights as a consumer and the removal of any accounts created using my personal identifiers from all credit reports. Additionally, I request compensation for damages incurred as a result of these violations.
  
  Please review the attached document for further details and take appropriate action to remedy the situation. Their failure to comply with these demands may result in further legal action to enforce my rights and seek restitution for damages listed in the legal document sent to the address on the document.
  
  Thank you for your attention to this matter.
  
  Sincerely,
  ******* ****** ********

  Business Response

  Date: 04/19/2024

  On April 15, 2024, TrueAccord Corp. received the BBB complaint filed by Shatara Williams (“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 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.

  All of TrueAccord’s communications are vetted by TrueAccord’s legal counsel to ensure that the content complies with all applicable laws and regulations. This includes a review to ensure that the language used is not threatening, misleading, or harassing. 

  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.

  To confirm, TrueAccord has not and does not sell personal information. Additionally, we do not have access to CUSIP numbers for any consumer.
  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 April 2, 2024.

  On April 4, 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 ******* ********************************** for the consumer to learn more information about their federal rights.

  On April 6, 2024, TrueAccord received the consumer’s email disputing this debt and requesting that TrueAccord cease communications.  We processed this dispute and the cease & desist. TrueAccord will no longer contact the consumer regarding this account.

  As a result of the cease and desist, we are no longer collecting on the account. The last communication sent to the consumer by TrueAccord on this account was on April 4, 2024. Since the account is no longer with TrueAccord, we have forwarded this complaint to the current creditor.
  With that said, TrueAccord will not be remitting any funds to the consumer.  We hope that this response thoroughly addresses the consumer’s concerns. 

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

  
  

  Customer Answer

  Date: 04/19/2024

   
  
  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 so long as the cease and desistis honored. If broken legal action will be pursued which is attached. Self Liquidating paper proving the company has in face ceased and desist use of my personal information to the address on the documents attached.  
  
  Sincerely,
  
  
  ******* ******** *** ***** 

• Initial Complaint

  Date:04/05/2024

  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 am not liable for this debt with 12 ******* ********, I do not have a contract with TRUEACCORD CORP, they did not provide me with the original contract as requested

  Customer Answer

  Date: 04/05/2024

  This company keeps contacting me via email and phone calls. I have asked for the original contract via phone and nothing. They have sent me emails stating I owe them. I do not owe them. I have never signed contract with them nor have ever did business with on my behalf. I would like it resolved and to move past this 

  Business Response

  Date: 04/17/2024

  On April 9, 2024, TrueAccord Corp. received the BBB complaint filed by ******** ****** (“the consumer”). TrueAccord has not heard from the consumer prior to this complaint. 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 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 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.
  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 January 16, 2024. 
  
  On January 16, 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.
  To confirm, TrueAccord has not received any inbound communications from the consumer.
  TrueAccord has processed this complaint as a dispute. TrueAccord notified our client, the current creditor , of the consumer’s dispute and the client has subsequently pulled the account from our system on April 10, 2024.  Therefore, TrueAccord is no longer servicing the consumer’s account. If the consumer has any further questions about the account, we suggest the consumer contact the current creditor directly. Thank you.
  
  

• Initial Complaint

  Date:04/04/2024

  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 recently received an email from TrueAccord Corp. regarding an alleged debt for ******* ************** with an account number ending in **** and a balance of $******* I must inform you that I have no knowledge of this account or debt. Pursuant to the **** **** ********** ********* *** (FDCPA), I am exercising my right to dispute this debt and request validation.
  
  Therefore, I kindly request that you provide me with the following documentation:
  
  A detailed explanation and verification of the debt, including what the alleged account balance is for.
  A complete audit trail calculation of the balance, including the full payment history on this account, to verify the accuracy of the amount claimed.
  Documentation that evidences my agreement to pay this debt, including any signatures or consent forms that authorize you to collect this debt, possess my personal information, and report to credit bureaus. Unauthorized use of my personal information, including my Social Security number, constitutes identity theft, for which I will take legal action.
  The agreement that grants TrueAccord Corp. the authority to collect on this alleged debt.
  A copy of your license to collect debts in my state, including the license number.
  The original credit agreement or purchase agreement related to this debt.
  An affidavit or a written statement sworn under penalty of perjury that all provided information is accurate and that any failure to report information accurately violates the **** ****** ********* ***.
  Furthermore, I believe that there might be a mistake, and this debt is being falsely reported. This situation potentially violates the following sections of the FDCPA: ** **** **** ***** regarding false or misleading representations and ** **** **** ****concerning furnishing certain deceptive forms.
  
  Please cease all communication regarding this debt until the requested documentation is provided. I expect a response to this letter within 30 days of its receipt, as outlined by the FDCPA.

  Customer Answer

  Date: 04/08/2024

  I am a real person representing myself. This message is not a template nor was it written by anyone other than myself the person the complaint is in defense of, who is the same person writing this complaint. The reason this message may appear to be a template is simply because this company is conducting business in the same manner to numerous individuals who seek to utilize their rights mentioned in the FDCPA under law. My requests remains the same as stated below. Please continue to process my complaint to TrueAccord Corp. to rightfully remedy this situation using your platform.
  
  
  I recently received an email from TrueAccord Corp. regarding an alleged debt fo* ******* ************** with an account number ending in **** and a balance of $******* I must inform you that I have no knowledge of this account or debt. Pursuant to the **** **** ********** ********* *** (FDCPA), I am exercising my right to dispute this debt and request validation. Therefore, I kindly request that you provide me with the following documentation: A detailed explanation and verification of the debt, including what the alleged account balance is for. A complete audit trail calculation of the balance, including the full payment history on this account, to verify the accuracy of the amount claimed. Documentation that evidences my agreement to pay this debt, including any signatures or consent forms that authorize you to collect this debt, possess my personal information, and report to credit bureaus. Unauthorized use of my personal information, including my Social Security number, constitutes identity theft, for which I will take legal action. The agreement that grants TrueAccord Corp. the authority to collect on this alleged debt. A copy of your license to collect debts in my state, including the license number. The original credit agreement or purchase agreement related to this debt. An affidavit or a written statement sworn under penalty of perjury that all provided information is accurate and that any failure to report information accurately violates the **** ****** ********* **** Furthermore, I believe that there might be a mistake, and this debt is being falsely reported. This situation potentially violates the following sections of the FDCPA: 15 **** **** ***** regarding false or misleading representations and ** **** **** ***** concerning furnishing certain deceptive forms. Please cease all communication regarding this debt until the requested documentation is provided. I expect a response to this letter within 30 days of its receipt, as outlined by the FDCPA.

  Business Response

  Date: 04/18/2024

  On April 9, 2024, TrueAccord Corp. received the BBB complaint filed by ******* *****  (“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 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 consumer’s contact information, with us and we loaded it into our system on March 25, 2024. 

  On March 27, 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.
  
  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: ************************************************************

  TrueAccord has processed this complaint as a dispute and cease and desist . We have paused collection activity and  requested debt verification from the current creditor. TrueAccord will no longer contact the consumer regarding this account.

  As a result of the cease and desist,  we are no longer collecting on the account. The last communication sent to the consumer by TrueAccord on this account was on April 6, 2024. 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.

  We hope that this response thoroughly addresses the consumer’s concerns.
  

  
  

• Initial Complaint

  Date:04/04/2024

  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 affirm inc I do not have a contract with true accord, they did not provide me with the original contract as I requested.
  
  
  my desired settlement is correction to my credit report I demand this account to be removed from my credit report

  Business Response

  Date: 04/15/2024

  On April 5, 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 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 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 your contact information, with us and we loaded it into our system on ******** *** ***** 
   
  On November 17, 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 **** ******* ********************************** for you to learn more information about your federal rights.
  
  Please note that TrueAccord does not credit report, 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.
  
  We have processed this complaint as a dispute. We requested your debt verification from ****** and it is attached to this response.
  
  In the process of investigating this complaint, we reached out to ******. ****** provided the following information:
  
  ******'s records indicate that loan ********* was processed for $******** on ******** *** ****, for a purchase with ******** The loan required a down payment amount of $198.75 that was submitted on February 18, 2023. The agreed upon repayment terms for the loan are 12 installments of $109.79 at an APR of 29.99% with payment due on the 21st of each month. On October 20, 2023, the loan was charged off after having an overdue balance for 120 days. ****** encourages all customers to make payments on or before the scheduled due date. You won’t incur any late fees, but late payments may impact your ability to take out future loans with ******. If your payment is 30 or more days overdue some loans may be reported to Experian as delinquent. If payments are more than 120 days overdue, we reserve the right to refer your loan to our third-party collection partners. Once a loan has been charged off, the charge off status is irreversible. Upon charge off ****** placed the loan with True Accord for continued management. At this time, you 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. As stated in ******'s Terms of Service, Section 2, Servicing & Collection, which you agreed to upon account creation and every time you 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." For your reference, copies of the ***** ** ******* ********* bearing your electronic signature and Loan Verification document have been attached to this response. Together, these documents provide the debt verification that you seek. 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 your request to remove credit reporting for loan *********.  
  In the event that you have any further questions or concerns, we encourage you to reach out directly via email.
  

  Customer Answer

  Date: 04/15/2024

   
  
  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:04/03/2024

  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 am not liable for this debt with ******* **** , I do not have a contract with the collection agency TrueAccord they did not provide me with the original contract as I requested.

  Customer Answer

  Date: 04/03/2024

  I hereby assert that I am not liable for the debt associated with ****** ***. Furthermore, I confirm that I do not have a contractual agreement with the collection agency, TrieAccord Corp. Despite my explicit request, the said agency failed to furnish me with the original contract for verification purposes.

  Business Response

  Date: 04/11/2024

  On April 4, 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 registered with the ****. 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 three (3) accounts in our system for you; ****** loan numbers ending with ***** ***** and ***** 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 between August 16, 2022 and October 27, 2022. 

  Between September 30, 2022 and October 29, 2022, TrueAccord sent you initial letters detailing the creditor, an itemization of the amount due, and how the debt could be disputed. It also included the CFPB website ********************************** for you to learn more information about your federal rights

  ****** Loan number ending with *****
  On December 18, 2023, you contacted TrueAccord via phone wanting to resolve this account and on the same day you scheduled an ACH payment to be withdrawn from your account.

  On December 20, 2023, the ACH payment for $84.43 was processed, which effectively resolved your account and on December 22, 2023 an email was sent confirming such. 

  ****** Loan numbers ending with SD42 and 219W:
  On December 18, 2023, you contacted TrueAccord via phone wanting to resolve the accounts for an amount less than owed. On the same day you scheduled two (2) ACH payments for $152.21 ****** and $270.45****** to be withdrawn from your account.

  On December 21, 2023, both ACH payments were returned for insufficient funds.  TrueAccord sent an email on the same day informing you of such. 

  On February 7, 2024, you contacted TrueAccord via phone wanting to set up a recurring monthly payment plan for each account, which would effectively resolve the balance.  On the same day two (2) payments in the amount of $25.37 ****** and $45.08 ****** were processed. 

  However, on March 7, 2024, both scheduled payments failed. TrueAccord sent you notice on March 10, 2024 to your email and canceled both payment arrangements. 

  As a result of this complaint, we have processed a dispute on both ****** accounts ending with **** and ****. TrueAccord has requested your debt verification from Affirm and will not resume collection activity until verification has been provided. 

  Please note that TrueAccord does not credit report for this creditor, but Affirm 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 Affirm by calling ************ between the hours of 8 a.m. and 7 p.m. CT seven days a week.

  While investigating your complaint, we reached out to Affirm and they provided the following response: 
  ******** records indicate that loan ********* was processed on January 11, 2022 for a purchase with ******* in the amount of $241.15 with a 29.95% APR to be paid over 3 monthly installments of $84.43. The loan received 2 payments of $84.43 on February 11, 2022 and March 10, 2022. The loan was then overdue for over 120 days and subsequently charged off on August 10, 2022. The loan received a payment of $84.43 on January 09, 2024 while in collections which settled the loan.

  Loan ********* was processed on December 01, 2021 for a purchase with ****** in the amount of $357.03 with a 29.98% APR to be paid over 12 monthly installments of $34.80. The loan received 3 payments of $34.80 on December 10, 2022, February 05, 2022 and March 09, 2022. The loan was then overdue for over 120 days and subsequently charged off on August 01, 2022. The loan received a payment of $25.37 on January 09, 2024 while in collections. The loan has a remaining balance of $279.04 which you remain responsible for.

  Loan ********* was processed on June 21, 2021 for a purchase with ***** in the amount of $1,447.20 with a 29.98% APR to be paid over 12 monthly installments of $141.07. The loan received 5 payments of $141.07 from October 10, 2022-March 09, 2022. The loan was then overdue for over 120 days and subsequently charged off on October 20, 2022. The loan received a payment of $45.08 on February 13, 2024 while in collections. The loan has a remaining balance of $495.81 which you remain responsible for.

  If a payment is 30 or more days overdue it may be reported to ******** as delinquent. If payments are more than 120 days overdue, ****** reserves the right to refer the loan to one of ******** third-party collections partners. Once a loan has been charged off, the charge off status is irreversible. 

  ****** has a regulatory obligation to furnish accurate loan and repayment information to the credit bureau and can only update reporting if an inaccuracy is identified. At this time we have confirmed that all credit reporting is accurate and will have to respectfully decline her request to remove credit reporting for loans.
  
  Upon origination of the loan, you electronically accepted/signed a ***** ** ******* *********. As stated in Section 16 of the Loan Agreement: “you agree that if you fail to pay any amount owed on the loan then the Loan Holder may engage in collection efforts to recover those amounts. These collection efforts may involve contacting you directly, submitting your information to a collection agency, or taking legal action”. In addition, in Section 17, you agreed to “authorize the Loan Holder or its representative to obtain credit reports about you on an ongoing basis until your obligations under this Agreement are satisfied. The Loan Holder or its representative may report information about your loan to the credit bureaus. Late payments, missed payments, or other defaults on your loan may be reflected in your credit report and may impact your credit score (e.g. FICO score)”.

  For her reference the Truth in Lending Agreement and Loan Verification Document for the loans have been attached to this response. Together, these documents provide the debt validation that you seek.
  In the event that you have any additional questions or concerns, Affirm encourages you to reach out to us via *******************************************
  

  
  

• Initial Complaint

  Date:04/02/2024

  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 am not liable for this debt with ******** ********* I do not have a contract with (TrueAccord corp) they did not provide me with the original contract as I requested.

  Customer Answer

  Date: 04/03/2024

  I am the consumer. 

  Business Response

  Date: 04/08/2024

  On April 3, 2024, TrueAccord Corp. received the BBB complaint filed by ***** ********* (“consumer”). Please note, TrueAccord received a similar complaint filed with the ******** ********* ********** ****** (CFPB) on April 2, 2024. We responded with similar information as described below 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 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 consumer’s contact information, with us and we loaded it into our system on January 26, 2024.On January 29, 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.

  TrueAccord processed this complaint as a dispute. We paused collection activity and requested debt verification from the current creditor.  Please note after receipt of this complaint, the consumer emailed TrueAccord requesting a cease and desist.  TrueAccord will no longer contact the consumer regarding this account. 

  As a result, the current creditor removed the consumer’s account from our system on April 5, 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.

  In addition, TrueAccord does not report 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.

  Thank you. 
  

  
  

• Initial Complaint

  Date:03/28/2024

  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 paid the amount which was asked to resolve the issue and they only used the payment as just a payment not to resolve the account. I can not get ahold of someone they keep saying I have to verify the address on file I did that. I have emailed and I also paid the balance and asking for a refund because it’s been over a month. This company seems like a scam and has not finished what was promised

  Business Response

  Date: 04/08/2024

  On April 1, 2024, TrueAccord Corp. received the BBB complaint filed by ****** ****** (“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 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 consumer’s contact information, with us and we loaded it into our system on October 27, 2023. On October 30, 2023, 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 February 17, 2024, TrueAccord sent the consumer an email detailing an offer to resolve the balance for $133.82, which is less than the full amount owed. On the same day, the consumer made a payment for $133.82, which effectively resolved the account.  When the consumer made the payment, they agreed to TrueAccord’s payment terms and conditions.  Once the payment was posted, it was remitted to the creditor in accordance with our policies and procedures.
  TrueAccord sent confirmation on February 17, 2024 to the consumer’s email address confirming that the payment resolved their balance with the current creditor. 

  The consumer contacted TrueAccord several times via phone between February 19, 2024 and March 28, 2024. Please note, when a consumer calls into the office, TrueAccord’s policies require that we verify we are speaking to the correct consumer listed on the account. These requirements are intended to protect an individual’s privacy and information. TrueAccord will not discuss account details unless an inbound caller provides two pieces of verification information that we can match to the account information in our office. This includes but is not limited to the consumer’s name, TrueAccord account ID, email address, telephone number and original account number.
  
  As mentioned above, we would like to assure the consumer that TrueAccord is a legitimate business. We can be located on the Better Business Bureau page located here: *********************************************************************************************. We are also registered with the CFPB. After investigating our business and finding that we are a legitimate company with positive reviews, we hope that the consumer feels comfortable knowing that TrueAccord is a legitimate business.

  While investigating this complaint, due to an inadvertent error, it appears that TrueAccord did not notify the current creditor that the payment effectively resolved their account. We have since notified the current creditor that their account has been resolved and appreciate the consumer bringing this to our attention. To confirm, the consumer’s account has been resolved with both the current creditor  and TrueAccord.  

  TrueAccord is unable to refund the consumer in the amount of $158.96, as this is not the same amount that resolved the account in question. 

  We hope that this response thoroughly addresses the consumer’s concerns. Thank you. 
  

  
  

  Customer Answer

  Date: 04/08/2024

  Hi the account hasn’t been resolved on true accord end. This has not been resolved 

• Initial Complaint

  Date:03/25/2024

  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.

  This creditor has continuously been harassing me for a debt I have no idea off I’ve sent numerous dispute letters and still they haven’t sent me a validation of proof. My next step is to sue them I would kindly ask if they send me a deletion letter or stop reporting this debt to the credit bureau I know my rights

  Customer Answer

  Date: 03/26/2024

  I already sent them a certified letter for this matter and they haven’t responded to my dispute they haven’t sent me any proof that the debt belongs to me I’m tired of being harassed by this creditor 

  Business Response

  Date: 04/01/2024

  On March 26, 2024, TrueAccord Corp. received the BBB complaint filed by ***** ********** (“consumer”). TrueAccord has not heard from the consumer prior to this complaint. 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 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 consumer’s contact information, with us and we loaded it into our system on February 24, 2024. On February 29, 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.

  TrueAccord has processed this complaint as a dispute and cease and desist request. TrueAccord will no longer contact the consumer regarding this account. 

  Please note as a result of the complaint, the current creditor removed the consumer’s account from our system on March 28, 2024, therefore TrueAccord is no longer collecting on it. The last communication sent to the consumer by TrueAccord on this account was on March 17, 2024. Since the account is no longer with TrueAccord, we have forwarded this complaint to the current creditor.

  Lastly, TrueAccord does not report 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.

  We hope that this response thoroughly addresses the consumer’s concerns. Thank you.
  

  
  

  Customer Answer

  Date: 04/01/2024

   
  
  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:03/24/2024

  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.

  Received a email stating I owe $579.41 to this agency. I've never even had any prior correspondence with this company.
  
  Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following: 1) An explanation of what this alleged account balance is for. 2) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 3) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 4) The Agreement that grants you authority to collect on this alleged debt. 5) A copy of your state license, including license number that give you rights to collect in my state. 6) The purchase agreement. 7) Swear under penalty of perjury you were present during the alleged debt reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.. Also you committed the following FDCPA Violations: ** **** **** ***** False or misleading representations- This debt is reporting falsely. 15 U.S. **** ***** - Furnishing certain deceptive forms- when in fact such person is not so participating. I am not participating in the collection of this alleged debt.

  Business Response

  Date: 03/28/2024

  On March 25, 2024, TrueAccord Corp. received the CFPB complaint filed by ***** **** ***** **********. TrueAccord has not heard from the consumer prior to this complaint. 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 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 consumer’s contact information, with us and we loaded it into our system on February 22, 2024. On February 23, 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.

  TrueAccord notified our client, the current creditor, of the consumer’s dispute and the client has subsequently pulled the account from our system on March 27, 2024.  Therefore, TrueAccord is no longer servicing the consumer’s account. Further, our client has advised us that  to resolve this matter they are terminating any further collection efforts on the account.  If the consumer has any further questions about the account, we suggest the consumer contact the current creditor directly.

  Please note, TrueAccord does not report 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. Thank you. 

  
  

  Customer Answer

  Date: 03/28/2024

   
  
  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,
  
  
  
  ***** ****