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:07/07/2023

  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.

  Cease and Desist All Communication Removal of Inaccurate Debt Reporting
  
  Account ending in:6441
  
  
  I am NICOLE JACOBS A NATURAL PERSON once again writing you regarding an erroneous debt that has been reported on my credit file, which I KNOW does not belong to me. Despite my efforts, including reporting this account to the Consumer Financial Protection Bureau (CFPB) and disputing it with all three major credit bureaus, I am disappointed to find that inaccurate information continues to be reported on my credit report. I demand that you immediately cease all reporting of this debt and take necessary steps to rectify the situation in compliance with the provisions outlined in 15 USC 1611.
  
  As per my previous actions and legal rights, I have reported this issue to the appropriate regulatory authority and initiated disputes with TransUnion, Equifax, and Experian. However, it is disheartening to see that the inaccurate information persists on my credit report, damaging my creditworthiness and financial well-being.
  
  If this matter is not resolved promptly and the account is not deleted from TransUnion, Equifax, and Experian, I will have no choice but to pursue resolution through arbitration. In arbitration, I will seek full monetary relief for the damages caused by the continued reporting of this incorrect debt. It’s my right to follow 15 U.S. Code § 1681n - Civil liability for willful noncompliance (A) any actual damages sustained by the consumer as a result of the failure or damages of not less than $100 and not more than $1,000; or
  
  (B) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or $1,000, whichever is greater;
  
  TrueAccord I Demand you to Immediately cease reporting any information related to this debt to TransUnion, Equifax, and Experian. This includes removing all associated negative information from my credit report.
  
  
  Confirm in writing, within 30 days of receiving this letter, that the debt has been deleted from my credit reports held by TransUnion, Equifax, and Experian, and that no further reporting or communication will occur.
  
  I want to emphasize that failure to comply with this demand and resolve the matter promptly will leave me with no choice but to pursue all available legal remedies to protect my rights and seek appropriate compensation for the damages caused by the inaccurate reporting of this debt.
  
  Please consider this as an official notice of my intent to hold TrueAccord liable for any further harm to my credit, financial losses, and associated legal costs.
  
  Thank you for your immediate attention to this matter. I anticipate a timely resolution and a written response within 14 days from the date of your receipt of this notice.

  Business Response

  Date: 07/17/2023

  On July 7, 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 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 20, 2023. 
   
  On February 25, 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 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 has processed this complaint as a cease and desist request. TrueAccord will no longer contact the consumer regarding this account. 
  
  TrueAccord notified the current creditor of the consumer’s dispute. However, as part of a regular course of business, the current creditor pulled the account from our system. Therefore, TrueAccord is no longer servicing the consumer’s account. If the consumer has any further questions about the account, we suggest the consumer contact the current creditor directly.
  
  

• Initial Complaint

  Date:07/03/2023

  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 company is hounding me for a debt for a Melissa Hutchins for $180.95 apparently originally owed to ******** Communications. I have contacted ******** and they do NOT even do business in California, where I reside and they have no record of an account held by anyone at my address. I do have a disabled daughter who uses the email address they are using ****************************** but she has NEVER had an account with ******** - I already checked and she would have been a minor at the time so unable to enter into a contract without my authorization, which was not given.
  
  This company is constantly emailing me for what appears to be a scam - or mistaken identity.

  Business Response

  Date: 07/13/2023

  On July 3, 2023, TrueAccord Corp. received the CFPB 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 own the account in question. The current creditor placed the account, including the consumer’s email address, with us. On January 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 sent a total of 44 outbound emails on this account in 156 days. At most, three outbound emails were sent to the consumer in one week. This communication frequency does not meet the threshold for what the laws and regulations governing our industry consider to be harassment.
  
  As the consumer states that this is not their account, TrueAccord removed the email in question from the account. We appreciate the consumer notifying us of this. The consumer will no longer receive communications from TrueAccord regarding this account.
  
  

  Customer Answer

  Date: 07/13/2023

  [* ******* ****** ** ******** **** ***** ********* **** ********** ** *** ********** *********  ** *** ***** *** *** ****** ** ****** ******* ****
  
  ****** ******** *******
  
  * **** ******** *** ******** **** ** *** ******** ** ********* ** ********* ** ********* and find that this resolution is satisfactory to me.   A******* * **** ** *** *** **** *** **** ***** ******* **** *** ******** ******* **** *** ** ******** ** ***********  *** ** ***** ********* *** *** ** ***** *** **********
  
  ********
  
  
  
  ****** ********

• Initial Complaint

  Date:07/01/2023

  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.

  Have asked numerous time over 6+ months to verify debt and have received no info or response, yet they keep harassing me with calls and texts and emails. They contact me with no response from the method they contacted me at when asked to verify.

  Business Response

  Date: 07/11/2023

  On July 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 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 with us and we loaded it into our system on June 28, 2023. 
  
  On June 29, 2023, TrueAccord sent you an initial email detailing the creditor, an itemization of the amount due, how the debt could be disputed, and the option to unsubscribe. It also included a link to the CFPB website ********************************** for the consumer to learn more information about their federal rights.
  

  TrueAccord only sent 1 outbound email 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, we did not make any outbound calls to you.
  

  TrueAccord processed your dispute and cease and desist requests, and the current creditor removed the account from our system on July 7, 2023, therefore TrueAccord is no longer collecting on it. Since the account is no longer with TrueAccord, we have forwarded this complaint, your dispute and cease and desist requests 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:06/30/2023

  Type:Sales and Advertising Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I recently received an email from True Accord with the filling message: “ your balance of $102.15 is past due. If you can't pay in full, we can still help you solve this.”. This supposed debt is owed to ********* **** ****. I cannot recall ever doing business with ********* **** ****. TrueAccord refused to give me any further information about the debt because they said that my address did not match the address that they had on file. One of their later emails showed that they had my mailing address but that it contained a unit number, which my correct address does not even have. My failure to conjure up a made up addition to my address resulted in them refusing to talk to me further about the details of the debt. I was told that I just needed to complete a dispute. One of the emails from them following the submission of my dispute requested personal information about me and a copy of my ID and requests for police reports about identity theft/fraud. There are no police reports or documentation regarding fraud because this supposed debt is not owed by me. The first I heard about it was from their email telling me to pay them. Today, I checked my email to find more emails from them and I was frustrated over the complete waste of my time. So I called ********* **** **** directly. The representative that I spoke with tried to look me up in their system to find out if I am either a current or former customer. He was unable to find anything. Therefore, I feel as though I am being scammed by True Accord. I demand that TrueAccord cease and desist immediately.

  Business Response

  Date: 07/10/2023

  On June 30, 2023, TrueAccord Corp. received the BBB complaint filed by ******* ********* (“the consumer”). We take every complaint seriously and appreciate the opportunity to address the consumer’s concerns. 
  
  TrueAccord is a third party debt collection company established to reimagine the debt collection experience for consumers. Founded in 2013, TrueAccord communicates primarily via email and offers an inbound customer service center in the event a consumer prefers to call in and speak with a live agent. One of our guiding principles is treating our consumer-customers with dignity and respect. We are a licensed and bonded agency 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 consumer’s contact information, with us and we loaded it into our system on April 26, 2023. On June 20, 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 June 29, 2023, TrueAccord received the consumer’s email disputing this debt.  We processed the dispute, paused collection activity, and requested debt verification from the current creditor. 
  
  Due to a subsequent email from the consumer, TrueAccord processed a cease and desist request on June 30, 2023. TrueAccord will no longer contact the consumer regarding this account. 
  Please note that in the regular course of business, the current creditor removed the consumer’s account from our system on July 3, 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.

  Business Response

  Date: 07/10/2023

  On June 30, 2023, TrueAccord Corp. received the BBB complaint filed by ******* ********* *“the consumer”). We take every complaint seriously and appreciate the opportunity to address the consumer’s concerns. 
  
  TrueAccord is a third party debt collection company established to reimagine the debt collection experience for consumers. Founded in 2013, TrueAccord communicates primarily via email and offers an inbound customer service center in the event a consumer prefers to call in and speak with a live agent. One of our guiding principles is treating our consumer-customers with dignity and respect. We are a licensed and bonded agency 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 consumer’s contact information, with us and we loaded it into our system on April 26, 2023. On June 20, 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 June 29, 2023, TrueAccord received the consumer’s email disputing this debt.  We processed the dispute, paused collection activity, and requested debt verification from the current creditor. 
  
  Due to a subsequent email from the consumer, TrueAccord processed a cease and desist request on June 30, 2023. TrueAccord will no longer contact the consumer regarding this account. 
  Please note that in the regular course of business, the current creditor removed the consumer’s account from our system on July 3, 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.

  Customer Answer

  Date: 07/13/2023

  ** ******* ****** ** ******** **** ***** ********* **** ********** ** *** ********** *********  ** *** ***** *** *** ****** ** ****** ******* ****
  
  ****** ******** *******
  
  * **** ******** *** ******** **** ** *** ******** ** ********* ** ********* ** ********* *** find that this resolution is satisfactory to me.
  
  
  
  
  Regards,
  
  
  
  ******* *********

• Initial Complaint

  Date:06/28/2023

  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.

  TrueAccord started sending me payment demands for an account that I never owned, for a creditor I've never heard of nor done business with, via email only. These have all been flagged into my 'spam' folder by my email provider, likely because they have done this enough to other people that the algorithms assume that the email is a scam. This complete disregard for verifying accuracy of debtor information prior to initiating collections attempts does not align with the requirements of the FCRA. I'm demanding they cease all communications as the account they are attempting to collect on is NOT MINE.

  Business Response

  Date: 07/10/2023

  On June 28, 2023, TrueAccord Corp. received the BBB complaint filed by Jacqueline Thompson (“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.
  
  TrueAccord does not own the accounts in question. The current creditor placed two accounts, including the consumer’s email, with us and we loaded them into our system on May 27, 2023. On June 21, 2023 and June 24, 2023, 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. It also included a link to the CFPB website ********************************** for the consumer to learn more information about their federal rights.
  
  As the consumer states that this is not their account, TrueAccord removed the email in question from the account. We appreciate the consumer notifying us of this. The consumer will no longer receive communications from TrueAccord regarding these accounts.
  
  We hope that this response thoroughly addresses the consumer’s concerns. 
  
  

• Initial Complaint

  Date:06/26/2023

  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 being contacted by True Accord for a 2006 debt that does not belong to me. They have the wrong name, wrong address, wrong debt account and are continuing to send threatening emails for collection. They need to remove my name and contact information for this debt since it does not belong to me.

  Business Response

  Date: 07/07/2023

  On June 26, 2023, TrueAccord Corp. received the BBB complaint filed by ******* ****** (“the consumer”). We take every complaint seriously and appreciate the opportunity to address the consumer’s concerns. 
  
  TrueAccord is a third party debt collection company established to reimagine the debt collection experience for consumers. Founded in 2013, TrueAccord communicates primarily via email and offers an inbound customer service center in the event a consumer prefers to call in and speak with a live agent. One of our guiding principles is treating our consumer-customers with dignity and respect. We are a licensed and bonded agency 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 with us and we loaded it into our system on April 26, 2023. 
   
  On June 21, 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.
  
  As the consumer states that this is not their account, TrueAccord removed the consumer’s information from the account in question. We appreciate the consumer notifying us of this. The consumer will no longer receive communications from TrueAccord regarding this account.
  
  We hope that this response thoroughly addresses the consumer’s concerns. 
  
  

• Initial Complaint

  Date:06/22/2023

  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 reached out to me claiming I owe a debt to them that I do not. I had not heard of TrueAccord, nor did I recognize the address they claimed to be mine. Upon inquiring about this debt, I was met with hostility and refusal to provide additional information, as they claimed that I did not pass authentication when I provided the information they requested of me. They refused to give me any more information about this supposed debt on the phone, nor through email, and then refused to respond when I requested to speak to a supervisor. A week later, after sending several emails requesting follow-up, I’ve finally received a response that says they’re requesting debt verification, but they still did not provide me with a timeframe. Their poor support staff and policies do not reflect a company that should be trusted; especially with such sensitive matters as funds and debt.

  Business Response

  Date: 07/03/2023

  On June 22, 2023, TrueAccord Corp. received your BBB 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 your contact information, with us and we loaded it into our system on June 12, 2023. 
  

  On June 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.
  

  On June 16, 2023, you called TrueAccord. We were not able to verify we were speaking to the correct consumer listed on the account. Therefore, we asked you to reply to the email requesting to dispute the account.
  

  Please note that 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.
  

  On June 16, 2023, TrueAccord received your email disputing this debt.  We processed this dispute, paused collection activity, and requested debt verification from the current creditor. TrueAccord has not and will not resume collections until after the debt verification has been sent to the address on file.

  If you have any more questions or would like to take further action on the account, you can contact us via email at s********************* ** ** ***** ** ***** ********* ***** ****

• Initial Complaint

  Date:06/21/2023

  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 not liable for this debt with affirm inc ,I do not have a contract with true accord corp , they did not provide me with the original contract as requested

  Business Response

  Date: 06/30/2023

  On June 22, 2023, TrueAccord Corp. received the BBB complaint filed by ***** ***** (“the consumer”). 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.
  
  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 April 18, 2022. 
   
  On April 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 CFPB website ********************************** for you to learn more information about your federal rights.
  
  In May of 2022, you contacted our office and were informed that TrueAccord does not report to any of the credit bureaus. In October of 2022, you submitted a request for a payment plan and were provided with payment plan options. 
  
  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:
  
  ******'s records indicate that loan FNK5-GOQQ was processed on November 12, 2021 for $1,501.49 with an APR of 29.99%. The agreed upon repayment terms were 12 monthly installments of $146.23, due on the 12th of each month. Besides the down payment that was required, only one payment was successfully made towards the loan on March 29, 2022 for $146.00. Since this payment didn't cover the full amount that has been overdue since December 12, 2021, the loan was charged off on April 12, 2022.
  
  ****** currently reports some repayment activity to ******** and may report to other credit bureaus in the future. 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 ******'s third-party collections partners. Once a loan has been charged off, the charge off status is irreversible.
  
  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 your request to remove credit reporting for loan *********. Once the balance is paid in full, the loan will reflect as paid. However the history of charged off status will remain.
  
  In the event that you have any further questions or concerns, we encourage you to reach out to https://helpcenter.*******com/s/contact-us
  
  

  Business Response

  Date: 06/30/2023

  ** **** *** ***** ********** ***** ******** *** *** ********* ***** ** ***** ***** *“the consumer”). 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.
  
  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 April 18, 2022. 
  
  On April 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 CFPB website ********************************** for you to learn more information about your federal rights.
  
  In May of 2022, you contacted our office and were informed that TrueAccord does not report to any of the credit bureaus. In October of 2022, you submitted a request for a payment plan and were provided with payment plan options. 
  
  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:
  
  ******'s records indicate that loan FNK5-GOQQ was processed on November 12, 2021 for $1,501.49 with an APR of *****%. The agreed upon repayment terms were 12 monthly installments of $146.23, due on the 12th of each month. Besides the down payment that was required, only one payment was successfully made towards the loan on March 29, 2022 for $146.00. Since this payment didn't cover the full amount that has been overdue since December 12, 2021, the loan was charged off on April 12, 2022.
  
  ****** currently reports some repayment activity to ******** and may report to other credit bureaus in the future. 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 ******'s third-party collections partners. Once a loan has been charged off, the charge off status is irreversible.
  
  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 your request to remove credit reporting for loan *********. Once the balance is paid in full, the loan will reflect as paid. However the history of charged off status will remain.
  
  In the event that you have any further questions or concerns, we encourage you to reach out to ******************************************

• Initial Complaint

  Date:06/21/2023

  Type:Service or Repair 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 is about TruAccord Corp , address is ***** ******* **** ******* ****** ****** **********. On June 21, 2023 I recieved a e-mail from a ****** ****** of this company telling me that I owed them a debt of $85.83. They said I have an account with **** **** * ******** ** ***. The address she gave for me is ** ****** ***** *** ********* ***************** * have NEVER lived at this address. I did own the property for a while, but it was included in a bankrupcy in 2009. The debt was apparently made on August 16,2016.To my knowledge, I have never heard of ****, and have never accrued a debt with ***. I have never heard of this **** organization, this appears to me to be a fishing expedition on the part of this ****** ******. If this debt was accrued, then someone else did it using my name. Further my name is not ******* ****** ** *** ******* *** ***** ****

  Business Response

  Date: 06/26/2023

  On June 21, 2023, TrueAccord Corp. received the BBB complaint filed by ******* ****** ************* 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.
  
  As an initial matter, we would like to assure the consumer 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.
  
  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 May 17, 2023.  On June 20, 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 has processed this complaint as a cease and desist request. TrueAccord will no longer contact the consumer regarding this account.
  
  Please note, the current creditor removed the consumer’s account from our system on June 26, 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.
  
  If the consumer believes that this account is a result of fraud/identity theft, the current creditor will need additional information from the consumer to conduct an investigation. This can include a completed FTC affidavit (which can be found at *******************************, a police report, or any other documents that they believe would be relevant to investigate their claim.
  
  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.
  
  If the consumer has any more questions about the account, we suggest they contact the current creditor directly. Thank you.
  
  

  Customer Answer

  Date: 06/27/2023

  ** ******* ****** ** ******** **** ***** ********* **** ********** ** *** ********** *********  ** *** ***** *** *** ****** ** ****** ******* ****
  
  ****** ******** *******
  
  * **** ******** *** ******** **** ** *** ******** ** ********* ** ********* ** ********* *** find that this resolution is satisfactory to me.
  
  
  
  
  Regards,
  
  
  ******* ******

• Initial Complaint

  Date:06/21/2023

  Type:Service or Repair 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 received an email from True Accord on today's date, 6/21/2023 (see attached) indicating I had a past due debt originating from Total Card Solutions LLC - which I do not recognize at all. When I clicked the "Dispute this Debt" I was given more information on this alleged past due debt, as you can see per the attached, it is indicating from 2008 which is well over the 4 year statute of limitations. I tried calling the number shown but after holding for a short period I am disconnected each time. If this is being reported on my credit report it needs to be removed and attempts to collect need to cease and desist.

  Business Response

  Date: 06/23/2023

  On June 21, 2023, TrueAccord Corp. received your BBB complaint. 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 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 with us and we loaded it into our system on May 17, 2023. 

  On June 21, 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 the consumer to learn more information about their federal rights.
  

  Per your request, TrueAccord has processed this complaint as a cease and desist. We will no longer contact you regarding this account. Since the account is no longer with TrueAccord, we have forwarded this complaint and your 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.

  
  

  Customer Answer

  Date: 06/24/2023

  ** ******* ****** ** ******** **** ***** ********* **** ********** ** *** ********** *********  ** *** ***** *** *** ****** ** ****** ******* ****
  
  ****** ******** *******
  
  * **** ******** *** ******** **** ** *** ******** ** ********* ** ********* ** ********* *** find that this resolution is satisfactory to me.
  
  
  
  
  Regards,
  
  
  
  ***** ********