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:12/04/2023

  Type:Customer Service 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 have emailed this company THREE TIMES with a request for clarification, and have received NO RESPONSE, but continue to receive threatening emails and phone calls over and over asking me to pay. Please review the attached PDF copy, for the exact email I have sent to
  **************************** and
  ********************** 
  Until I receive every piece of information I have requested, I demand they stop contacting me.

  Business Response

  Date: 12/12/2023

  On December 5, 2023, 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 accredited with the BBB 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. We are sub-servicing this account for **** who is working on behalf of ***** *** placed this account, including the consumer’s contact information, with us and we loaded it into our system on November 14, 2023.

  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 misleading or harassing. 

  On November 29, 2023, TrueAccord sent the consumer an initial email to ***************** 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 November 30, 2023 and December 3, 2023, TrueAccord received the consumer’s emails disputing the debt. While our standard operating procedure requires agents to process a dispute in situations like this, it appears that due to an error, the dispute was not processed.  We reviewed and have taken corrective action. 

  Please note, We sent a total of 2 outbound emails and 1 outbound SMS on this account.  This communication frequency is well within the guidelines of what laws and regulations governing our industry consider as not harassment.  In addition, our records do not show that there were any outbound phone calls made to the consumer regarding this account. 

  We have 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. 

  If the consumer has any more questions or would like to take further action on the account, they may contact us via email at [email protected] or by phone at (866) 611-2731. Thank you.

  Business Response

  Date: 12/14/2023

  On December 12, 2023, TrueAccord Corp. received notice from the BBB that ******** **** (“consumer”) rejected our response to this complaint. 

  Per our response from December 12, 2023, 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.  

  The information requested in your letter can be resolved by providing debt verification. Since TrueAccord is a third party debt collection company, we are required to notify our client who will provide debt verification for this account. 

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

  
  

  Customer Answer

  Date: 12/18/2023

  
  
  Complaint: 20952381
  
  
  
  I am rejecting this response because this company was sending emails, basically demanding me to pay something with NO proof? Nothing? Further, they STILL have yet to provide the actual details I asked for. Until they do, this is not resolved.
  
  
  
  Sincerely,
  
  
  
  ******** ****

• Initial Complaint

  Date:12/04/2023

  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 would like this company to cease sending me any forms of communication. They recently e-mailed me about an **** ******* with an account number ending in ********* I never had had nor even lived at the address on the e-mail. My current address I have been at for over SIX YEARS! The e-mail stated I used **** ******* since March 2019 which is false I have used another internet company this whole time and it was not **** Claiming I owe them, $373.03, which I do not. I do not appreciate them making false claims about a debt that is NOT mine. Reading these other reviews/complaints I am glad I am not the only one and the e-mail screamed scam especially since my inbox told me this is from a mailing list, and legitimate official e-mails do not say that. Please leave me along, remove me from whatever list you have, and do NOT place this on my credit or I will seek legal advice to bring you to court because this has to stop. Stop sending false information claiming people owe when we do not!

  Customer Answer

  Date: 12/04/2023

  Not sure why this is being made to think it’s a third party company when I even including a copy of the email sent to me. The wording seems familiar because I’m not the only consumer getting these e-mails from this company. What I wrote in the complaint is 100% true I still have the e-mail that was sent to me in case it needs to be sent again. But my initial complaint is from me and not a third party company.

  Business Response

  Date: 12/08/2023

  On December 5, 2023, TrueAccord Corp. received the BBB complaint filed by Felicia Bell (“filer”). 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 accredited with the BBB 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. We are sub-servicing this account for **** who is working on behalf of ***** *** placed this account, including the consumer’s email address ******************** with us and we loaded it into our system on November 23, 2023.
  
  As the filer states that this is not their account, TrueAccord removed the email in question from the account. The consumer will no longer receive communications from TrueAccord regarding this account.
  
  In addition, TrueAccord does not report to any of the credit bureaus. If the filer has questions regarding credit reporting, we suggest they reach out directly to the current creditor or the credit reporting agencies.

  Lastly, we would like to assure the filer that TrueAccord is a legitimate business. We are an accredited business through the Better Business Bureau and maintain an A+ rating. The consumer can find our BBB page here: *********************************************************************************************. We are also registered with the CFPB. After investigating our business and finding that TrueAccord is an accredited company with positive reviews, we hope that the consumer feels at ease knowing that TrueAccord is a legitimate business.

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

  
  

• Initial Complaint

  Date:12/04/2023

  Type:Service or Repair 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.

  Trueaccord has ***** **** verified that I have
  an unpaid debt with them. Yet again, they have failed to provide me with a copy of any viable
  evidence submitted by Trueaccord or ************** *******. Be advised that the description of the procedure used to
  determine the accuracy and completeness of the information is hereby requested, to be provided
  within fifteen (15) days of the completion of your re-investigation. Additionally, please provide
  the name, address, and telephone number of each person contacted at Trueaccord and ************** ******* regarding this
  alleged account. I am formally requesting a copy of any documents provided by Trueaccord bearing my signature, showing that I have a legally binding contractual obligation to pay them. A clerk looking at their computer screen, seeing my name listed in their database is NOT
  verification or validation of any alleged debt.
  Be aware that I am making a final goodwill attempt to have you clear up this matter. It is entirely inaccurate and incomplete, and represents a very serious error in reporting

  Customer Answer

  Date: 12/05/2023

  I have sent dispute letters to all three bureaus

  ********** **** *** **** ********** ***** ***********

  ******* **** *** ****** ********** *****

  ******** **** *** **** ******** *****

  Business Response

  Date: 12/12/2023

  On December 2, 2023, 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 accredited with the BBB and 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.

  TrueAccord does not own the account in question. The current creditor placed the account with us and we loaded it into our system on October 20, 2022. 
  On October 21, 2022, 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 **** website *********************************) for you to learn more information about your federal rights.
  

  On November 8, 2022, TrueAccord received the consumer’s request disputing this debt.  We processed this dispute, paused collection activity, and requested debt verification from the current creditor. On January 6, 2023, the current creditor completed the investigation, and the debt verification documents were mailed to the address on file.
  

  In the regular course of business, the current creditor removed the account from our system on April 19, 2023. However, the current creditor placed the account back with us and we loaded it into our system on June 20, 2023. 
  

  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 CFPB website (********************************) for you to learn more information about your federal rights.
  

  On December 2, 2023, TrueAccord received the consumer’s online request disputing this debt.  We processed this dispute, paused collection activity, and requested debt verification from the current creditor.
  

  Please note that in the regular course of business, the current creditor removed the account from our system on December 7, 2023, 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.
  

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

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

• Initial Complaint

  Date:11/27/2023

  Type:Service or Repair 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.

  Not entirely sure why I owe 120$ to ******* **************. The debt does not show up on my credit history either.

  Business Response

  Date: 11/29/2023

  On November 27, 2023, 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 accredited with the BBB and 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.

  TrueAccord does not own the account in question. We are sub-servicing this account for ***, who is working on behalf of ******* **************. *** placed this account, including the consumer’s contact information, with us and we loaded it into our system on November 10, 2023.
  
  On November 13, 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 **** website ********************************** for the consumer to learn more information about their federal rights.

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

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

• Initial Complaint

  Date:11/20/2023

  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.

  These people text and call about some bogus * ***** bill I don’t owe. I’ve had the same * ***** account for almost 4 years without a late payment. Stop texting me. This is a scam. Also, their text messages lead to a link where debt details are provided without any verification. A complaint has been filed with the CFPB for violation of the FDCPA.

  Business Response

  Date: 11/27/2023

  On November 20, 2023, TrueAccord Corp. received the BBB complaint filed by ******* **** (“the filer”). 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 accredited with the BBB 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. We are sub-servicing this account for **** who is working on behalf of ****. *** placed this account, including the filer’s phone number ending in 5992, with us and we loaded it into our system on November 1, 2023.
  
  TrueAccord is a legitimate company and the SMS message was not a scam. However, it appears that the filer’s number, xxx-xxx***** is associated with an account owed by a different person.  

  We have removed the phone number from the account in question. The filer will no longer receive communications from TrueAccord regarding this account. We have also communicated to the creditor that the filer’s phone number should not be associated with this account.

  The hyperlink that the filer references in the SMS provides limited content. It does not include any Personal Identifiable information. Had the filer continued by clicking on another hyperlink, they would have been prompted to verify their information.
  
  We hope that this response thoroughly addresses the filer’s concerns. 
  

  
  

• Initial Complaint

  Date:10/20/2023

  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 True Accord Corp. I do not have a contract with True Accord Corp. They did not provide me with the original contract as requested.

  Business Response

  Date: 10/26/2023

  On October 20, 2023, 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 accredited with the BBB 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. If the consumer has questions regarding credit reporting, we suggest they reach out directly to the current creditor or the credit reporting agencies.
  As an initial matter, TrueAccord has three accounts in our system for this consumer. TrueAccord does not own any of the accounts in question.

  Account ending in *****
  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 September 21, 2023. On September 27, 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.

  We have 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 email on file. 
  If the consumer has any more questions, they may contact us via email at ********************** or by phone at (866) 611-2731. 

  Account ending in 3053:
  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 September 16, 2023. On September 19, 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.

  TrueAccord notified our client, the current creditor, of the consumer’s dispute and the client has subsequently pulled the account from our system on October 20, 2023.  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.

  Account ending in *****
  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 13, 2023. On October 16, 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.

  TrueAccord notified our client, the current creditor, of the consumer’s dispute and the client has subsequently pulled the account from our system on October 20, 2023.  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.

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

• Initial Complaint

  Date:09/12/2023

  Type:Service or Repair 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 ******* *** A NATURAL PERSON
  
  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 unathorized 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:
  15 U.S. Code *******False or misleading representations- This debt is reporting falsely.?15 U.S. Code  ***** - 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: 09/26/2023

  On September 12, 2023, TrueAccord Corp. received the CFPB 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 accredited with the BBB 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 this consumer. TrueAccord does not own any of the accounts in question.
  Accounts ending in ***** ***** ***** *** ****
  The current creditor placed the accounts, including the consumer’s contact information, with us and we loaded them into our system on December 12, 2022. 
  
  On December 13th and 14th, 2022, TrueAccord sent the consumer initial emails detailing the creditor, an itemization of the amounts due, how the debts could be disputed, and the option to unsubscribe. They also included a link to the CFPB website ********************************** for the consumer to learn more information about their federal rights.
  Accounts ending in ***** ***** *** ****
  The current creditor placed the accounts, including the consumer’s contact information, with us and we loaded them in our system on October 21, 2022.
  On October 25th and 26th, 2022, TrueAccord sent the consumer initial emails detailing the creditor, an itemization of the amounts due, how the debts could be disputed, and the option to unsubscribe. They also included a link to the CFPB website ********************************** for the consumer to learn more information about their federal rights. 
  TrueAccord takes data security and privacy very seriously. We have policies and procedures in place to prevent disclosure of consumer information to third parties, including implementing a set of information security administrative, technical and physical best practices. TrueAccord limits the amount of information provided in our customer communications, and truncates account numbers. TrueAccord is not in possession of your SSN or date of birth. In addition, TrueAccord has a privacy policy that explains the information we collect and use as a part of our debt collection activities that can be found at ***********************
  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.
  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: ************************************************************
  We have processed this complaint as a dispute. We have paused collection activity, requested debt verification from the current creditors, and will not resume collections until after the debt verification has been sent to the address on file. 
  If the consumer has any more questions, they may contact us via email at ********************** or by phone at ***** ********. Thank you.
  
  

• Initial Complaint

  Date:09/11/2023

  Type:Service or Repair 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 have received numerous emails from this company. I’ve never heard of this bank or ever had an account with them. When I tried to dispute it on their website my current or previous zip codes weren’t a match for their record, so I couldn’t dispute the debt they say I owe. This company is constantly emailing me for what appears to be a scam - or mistaken identity. I demand that TrueAccord cease and desist immediately.

  Business Response

  Date: 09/18/2023

  On September 11, 2023, 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 accredited with the BBB 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 2 accounts in our system. TrueAccord does not own any of the accounts in question.
  

  TrueAccord account ending with ****
  

  The current creditor placed the account, including the contact information, with us and we loaded it into our system on January 5, 2023.
  

  TrueAccord account ending with ****
  

  The current creditor placed the account, including the contact information, with us and we loaded it into our system on August 22, 2023.
  

  As you have stated that these are not your accounts, TrueAccord removed the email address in question from the accounts. We appreciate you for notifying us of this. You will no longer receive communications from TrueAccord regarding these accounts.
  

  We hope that this response thoroughly addresses your concerns.

• Initial Complaint

  Date:08/28/2023

  Type:Service or Repair 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.

  Have been contacted multiple times via email by TrueAccord Corp. in the last week, saying they were "reaching out about your balance with **** ******* *** (current creditor of your original WebBank account) of $2,434.52", and then requesting I "sign up for a payment plan". These communications all look like scam emails, and as such have been ignored, but this incessant nuisance contact is now causing me to take action.
  
  I owe no such debt, have never heard of WebBank, and have never heard of **** ******* ***. Additionally, none of my credit reports from legitimate credit reporting agencies (******* *** **********) show any such debt outstanding, and have no records of me ever doing any kind of business ever with WebBank or **** ******* ***.
  
  It is obvious my name, and email address have been given to TrueAccord Corp in error. I insist that TrueAccord rename all of my contact information, name, address and any other of my Personally Identifiable Information (PII) from that record, and correct this problem immediately, as I owe no such debt, and am not liable for any such debt.
  
  I expect TrueAccord to remidiate this error immediately, and for TrueAccord to contact me to indicate they have performed the required action and will no longer contact me about this.

  Business Response

  Date: 09/07/2023

  On August 29, 2023, 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 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 accredited with the BBB 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 August 17, 2023. 
  

  As you have stated that this is not your account, TrueAccord removed the email address in question from the account. We appreciate you notifying us of this. You will no longer receive communications from TrueAccord regarding this account.
  

  We hope that this response thoroughly addresses your concerns.

• Initial Complaint

  Date:08/19/2023

  Type:Service or Repair 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.

  As of March 25th 2023 they say I owe *** *** ** $195.00 once looking up that company it's a plus size women's clothing line which I have never ordered I am a male there is no female plus size or spouse that lives here and now this company is harassing me about a bill that is not mine .

  Business Response

  Date: 08/23/2023

  On August 19, 2023, 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 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 accredited with the BBB 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’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 misleading or harassing. 
  

  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 18, 2023. 
  

  On August 4, 2023, TrueAccord sent the consumer 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 the consumer to learn more information about their federal rights.
  

  We have processed this complaint as requests for dispute and cease and desist. TrueAccord will no longer contact you regarding this account. Since the account is no longer with TrueAccord, we have forwarded this complaint and the dispute request to the current creditor.

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

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