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:03/01/2023

  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.

  I received an email from a ******* ******* *************.  TrueAccord.com
  It was not even sent to my true email address. It was sent to ********************* and that is not my correct email. My email has a “.” separating my first and last name.
  
  The email is attached.
  I have never heard of True Accord, **** ******* ***, or ******** ******* *********** of South Carolina (******** *******).I have never had an account with any of these companies, nor do I have an outstanding debt to any companies. I have never had an account ending in the digits provided in the email. I have never received any bill from any of these companies listed above. Nor have I ever had anything like this reflect on my credit. It is not real!
  
  I believe this is a scam.
  I have exceptional credit and I want this to be removed and any association my name has with it, and to not ever receive anything from them again.

  Business Response

  Date: 03/15/2023

  On March 2, 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 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. On January 5, 2023, the current creditor placed the account and the account’s corresponding contact information in our system for collection. On January 9, 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 the complaint, TrueAccord processed your dispute and cease and desist requests. TrueAccord will no longer contact you regarding this account. 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 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: 03/15/2023

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Assumed Answered] 
  
  Complaint: ********
  
  I am rejecting this response because:True Accord said that they emailed me on Jan 9, 2023 with information. I do not delete emails and after reviewing all of my emails , I found none from True Accord with any of the information they detailed in their response. The only email I have ever received from True Accord is the one I detailed in my initial complaint. One thing they did not address and this is why I mostly likely have never received anything before, was because it wasn’t even to my correct email. Meaning, I am not the person they intended to send it to.
  I appreciate that you will not be contacting me anymore since I do not have any outstanding debts or creditors, but I would appreciate you working with the creditor (whoever that even is) and you contact the right person and don’t harass people who have no business with your companies. 
  
  Regards,
  
  ****** *****

• Initial Complaint

  Date:02/24/2023

  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 have received several e-mails from TrueAccord in the past. Now I am receiving them again. within the last month saying I owe a balance of 1,226.20. I never took out this loan, never heard of True Accord until last year when they sent me the same thing. This time True Accod does not give the original creditor. They do not reference an address and I do not want to click on the email to view their website. They need to stip sending mail to individuals home with a credit card with credit on it. I want these emails from TrueAccord to stop.

  Business Response

  Date: 03/08/2023

  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. On May 21, 2021, the current creditor placed the account and the account’s corresponding contact information in our system for collection. On May 25, 2021, TrueAccord sent the consumer an initial email detailing the creditor (including the original creditor), amount due, how the debt could be disputed, and the option to unsubscribe.  On February 27, 2023, a cease and desist request was processed on this account. Due to this, the account is no longer with TrueAccord and we are no longer collecting on it. If the consumer has any further questions, please reach out to the current creditor. Thank you
  

• Initial Complaint

  Date:02/24/2023

  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.

  February 24,2023
  
  Last week ****** agreed to cancel my account and the line of credit with ******* but now they contacted a debt collector to collect the money I owned them is $2,845.16
  They already took $3,092.77 and now I have to pay $2,845.16? No forget it if this continues I will have a lawyer to file a lawsuit on them I already had enough of this

  Business Response

  Date: 03/08/2023

  On February 24, 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. On February 22, 2023, the current creditor placed the account and the account’s information in our system for collection. On February 24, 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 24, the same day we sent the initial communication and this complaint was filed, the consumer disputed this debt on our website. TrueAccord paused collection activity on this account, processed the dispute, and requested debt verification documentation from the creditor. We have also notified the creditor of this complaint. We will not send collections communications to the consumer until debt verification documents are sent to them.

  We hope to have addressed the consumer’s concerns. If the consumer has any more questions or would like to take further action on the account, they may contact us via email at ********************** or by phone at ***** ********. Thank you.
  

  Customer Answer

  Date: 03/09/2023

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Assumed Answered]
  
  Complaint: ********
  
  I am rejecting this response because: I called ******* *** bank and ****** said the account was canceled and they told me they will contact ******* *** bank to cancel the line of credit but instead they sent it over to true accord to collect the debt I don't owned anything!!! They told $3,092.77 from my bank on December 9 2021 if this doesn't close I will contact my lawyer he will proceed with the lawsuit if this doesn't resolve I am very tired of it!!
  
  Regards,
  
  ***** ****

• Initial Complaint

  Date:02/24/2023

  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.

  15 U.S.C 1681 section A. States I have the right to privacy.
  15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions.
  15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

  Business Response

  Date: 03/08/2023

  On February 24, 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 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. On January 23, 2023, the current creditor placed the account and the account’s corresponding contact information in our system for collection. On January 24, 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. We hope that this response thoroughly addresses your concerns.
  

• Initial Complaint

  Date:02/23/2023

  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.

  Company sent an email claiming I owed over $19,000 to original creditor of ************* **** ***********. I have never heard of this company. I called, gave the lady my name and the so called account number, then gave her my birthdate, then even gave her last 4 digits of my social security number. She said NONE of that information was on file. I then gave her all the same information for my dad and she again said none of that information matches. So the account does NOT belong to myself or my dad. I then asked her to remove my email since it was not me and was told I have to contact support to have it all validated in order to have my email removed.
  
  TrueAccord Corp. account number: **************** Balance due: $19,226.90
  Current creditor: **** ******* *** **** ******* *** account ending in: **** Original creditor: ************* **** *********** Original creditor account ending in: ****

  Business Response

  Date: 03/10/2023

  On February 23, 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. Please note that the account in question was placed in our system by the current creditor with the corresponding contact information. As a result of your call on February 23, 2023, TrueAccord removed your email address from the account and has not contacted you since. TrueAccord will not contact you about this account again. We appreciate you bringing this to our attention and hope to have resolved your concerns.

  Customer Answer

  Date: 03/10/2023

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Assumed Answered] 
  
  Complaint: ********
  
  I am rejecting this response because: There were three different people the day of the phone call who told me they COULD NOT remove my email from your contact list unless I could give enough information for them to confirm the account. This obviously cannot be done when I have no idea who you are, who the account was originally with, and have never had a debt with anyone for that amount. This is exactly why people turn to the BBB with complaints on companies such as you. You sit there and claim you did one thing the very same day three of your employees told me it could not be done. The only thing you were honest about in your reply was the fact you have not contacted me since. I cant help but wander if that was because I also told you if you contact me again about this debt which is not mine then I would turn it over to an attorney. Actions such as these from companies such as yours need to be put out in public. I find it extremelly hard to believe you have an honest A rating after the way I was treated and you never had a reason to contact me to begin with.
  
  Regards,
  
  ****** ****

• Initial Complaint

  Date:02/18/2023

  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.

  My son has received numerous emails over the past month from TrueAccord about a debt that is owed to ********* ********* in the amount of $2,036.81. A TrueAccord account number of **************** is given in the emails. Even though the emails are sent to his email address, they are addressed by name to me. Both my son and myself have no idea what this debt is about.
  
  My son moved out of our house in July 2022 and has assured me that he has no debt other than his car, which is a different amount owed, and he is currently up-to-date with all his payments. His student loans are paid off as well.
  
  My wife and I don't have a debt with ********* ********* and have never used them for anything. Our credit scores are near 850, our bills and credit card balances are paid off monthly, and we have no reason to not pay anything we legitimately owe. When we do open a credit card account, or any account for that matter, we certainly don't use our son's email address.
  
  We want these emails to my son to stop at once, and I don't want to start getting them either. This is NOT our debt. If they are seriously thinking it is ours, I want as much detailed information on it as possible such as when it was opened, the purpose, our address used and payment history.

  Business Response

  Date: 03/01/2023

  On February 18, 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. On January 6, 2023, the current creditor placed the account and the account’s corresponding contact information in our system for collection. On January 9, 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.
  

  Please note that in the regular course of business, the current creditor removed the account from our system on February 21, 2023, therefore TrueAccord is no longer collecting on it. The last communication sent to you by TrueAccord on this account was on February 17, 2023. Since the account is no longer with TrueAccord, we have forwarded this complaint to the current creditor.
  

  If you have any more questions about the account, we suggest you contact the current creditor directly. We hope that this response thoroughly addresses your concerns. Thank you.

  
  

• Initial Complaint

  Date:02/09/2023

  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 was born in October of 2004 and I received an email stating they had received a debt in my name for collections from 2005.

  Business Response

  Date: 02/21/2023

  On January 9, 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.
  

  On February 9, 2023, TrueAccord received notification from the current creditor that your email address did not belong to this account. Upon receipt of your complaint stating the same, TrueAccord confirmed that the email address in question was removed 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:02/08/2023

  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.

  I have received several e-mails from TrueAccord within the last month saying I owe a balance with **** ******* ***. I never took out this loan, never heard of **** ******* or the the "original creditor" **** **** ******* **** before. They reference an address I have never resided in and the year they claim the loan was taken out would have been when I was 12 years old... I want these emails from TrueAccord to stop and I want them to remove my name from any connection of this debt.

  Business Response

  Date: 02/21/2023

  On February 8, 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.As you 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 have also communicated to the creditor that your email address should not be associated with this account. We hope that this response thoroughly addresses your concerns. 

  Customer Answer

  Date: 02/22/2023

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID 19368153, and find that this resolution is satisfactory to me.
  
  
  Regards,
  
  ***** ******

• Initial Complaint

  Date:02/07/2023

  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.

  On June 6 True Accord somehow received a portion of my long term disability payment before it was deposited into my banking account. They stole my money before I could get it, almost five hundred dollars without any consent. This is illegal and they should be stopped.

  Business Response

  Date: 02/20/2023

  On February 7, 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. On August 17, 2022, the current creditor placed the account and the account’s corresponding contact information in our system for collection. On August 24, 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.On February 7, 2023, TrueAccord received notice from the current creditor, ******* ********* ***, that a payment had been received for the amount of $483.73. TrueAccord did not receive or process this payment. Upon receipt of that notice, we sent you an email notifying you that the payment the creditor received had effectively resolved your account. Because TrueAccord did not receive or process that payment, we are unable to refund that payment. We suggest you reach out directly to the current creditor at ************ if you wish to  pursue a refund. Please note that because the account was resolved, the current creditor removed your account from our system on February 15, 2023. Since the account is no longer with TrueAccord, we have forwarded this complaint to the current creditor. We hope that this response thoroughly addresses your concerns.
  

• Initial Complaint

  Date:02/06/2023

  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 was goung through my bank statement and found a charge to True Accord for$52.41. I dont know who this businness id nor did i authorize them access to my bank account! I want my money back now!

  Business Response

  Date: 02/20/2023

  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. On December 14, 2022, the current creditor placed the account and the account’s corresponding contact information in our system for collection. On December 15, 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.  Per our records, you created and agreed to a payment plan on January 2, 2023, for $52.41 on the 2nd of each month. The first payment was processed on January 2 when you created the payment plan and agreed to TrueAccord’s payment terms and conditions. That same day, two emails were sent to the email address you provided, which matches the email address on this complaint. The emails confirmed your payment plan and confirmed the success of your first payment. On January 23, 2023, an email was sent to that email address, reminding you that your next payment on the payment plan would be processed soon. On February 5, the second payment successfully ran and an email was again sent to your email address, confirming that a payment in your payment plan had been successfully processed. Once each of the payments was posted, they were remitted to the creditor in accordance with our policies and procedures. Because (1) the payments have already been remitted to the current creditor and (2) the payments were posted according to your chosen dates and times, and in accordance with the terms and conditions that you agreed to, TrueAccord is unable to refund these payments. We suggest you reach out directly to the current creditor if you wish to  pursue a refund.  Please note that at this time, your payment plan remains active. If you have any more questions or would like to take further action on the account or the payment plan, you may contact us via email at ********************** or by phone at ***** ********* 
  

  We hope that this response thoroughly addresses your concerns.