Complaints

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

• Initial Complaint

  Date:04/01/2025

  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.

  In Jun/Jul of 2024 Expedia owed me a refund and never paid. After getting my bank involved my claim was honored and credit issued based on the email from Expedia stating they were going to issue me a refund. Today, 4/1/2025 I received an email from a third-party creditor, TrueAccord, demanding payment for a balance owed to Expedia for the exact amount. They want my telephone number, address and all of my personal information. They were recording the call and so was I but the supervisor immediately discontinued the call after I advised him I was recording. Also he refused to provide contact information so that I could escalate my issue further. The whole thing was very suspicious and I am afraid Expedia has sold my information to the dark web. I am very concerned. I would like to ensure they do not house or sell my information. How can I ensure my information is safeguarded? I have had 5 letters of my data being breached in the last 6 months!

  Business Response

  Date: 04/04/2025

  On April 2, 2025, TrueAccord Corp. received the BBB complaint filed by ******* ******** (“the consumer”). We take every complaint seriously and appreciate the opportunity to address the consumer’s concerns. 

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

  TrueAccord does not own the account in question. The current creditor placed the account, including the consumer’s contact information, with us and we loaded it into our system on March 31, 2025. 

  On April 1, 2025, 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 spoke with the consumer on April 1, 2025. However, the consumer refused to verify her identity during the call and as such our agents could not disclose any information regarding the account. Additionally, our agents were unable to process the consumer’s dispute due to her refusal to verify her identity. When the consumer disclosed that she was recording the call, our agent instructed the consumer to stop recording the call or the call would have to be terminated, the consumer refused and our agent ended the phone call.
  TrueAccord has processed this complaint as a dispute. We paused collection activity and requested verification of the debt from our client. 

  Please note that in the regular course of business, the current creditor removed the consumer’s account from our system on April 2, 2025, therefore TrueAccord is no longer collecting on it. The last communication sent to the consumer by TrueAccord on this account was on April 1, 2025. Since the account is no longer with TrueAccord, we have forwarded this complaint to the current creditor.

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

  
  

  Customer Answer

  Date: 04/05/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  I want to be assured that my information, my data is not sold to or given to any other business. Especially since I have never owed money to Expedia. 
  

   Third party organizations attempting to collect a pseudo debt is very suspicious. Why would I verify my personal information? I have the right to my privacy, why am I inconvenienced and harassed when strangers have my information and are demanding payment for something that never existed? 

  
  Sincerely,
  
  
  
  ******* ********

  Business Response

  Date: 04/11/2025

  TrueAccord is in receipt of the consumer’s April 7, 2025 rejection of our original response. 

  We recommend that the consumer contact Expedia directly to resolve the rest of the consumer’s concerns. TrueAccord cannot speak to how Expedia will handle the account as the account is no longer assigned to our office. 

  We hope that this response addresses the consumer’s concerns, as much as we are able
  

  
  

• Initial Complaint

  Date:03/30/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am disputing an invalid account reported by True Accord on my credit report. This account is inaccurate, unverified, and violates the Fair Credit Reporting Act (FCRA). Since it does not meet the legal standards for reporting, I request its immediate removal. If the furnisher cannot provide proper validation, it must be deleted per federal law.

  Business Response

  Date: 04/09/2025

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

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

  TrueAccord does not own the account in question. The current creditor placed the account, including the consumer’s contact information, with us and we loaded it into our system on February 13, 2025. 
  
  On February 27, 2025, 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.

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

  
  

• Initial Complaint

  Date:03/29/2025

  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.

  Debt Validation and assignment of contract

  Customer Answer

  Date: 03/31/2025

  True Accord
  ***** ******* *****  ***** ***
  Lenexa, KS 66219
  
  
  Subject: Request for Debt Validation and Proof of Assignment
  Dear TrueAccord/ ****** ******
  I am writing in response to your email regarding the alleged debt referenced as ****************. Under the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692g, I formally request that you provide validation of this debt, including proper documentation proving that you have the legal authority to collect on this debt.
  Specifically, I request proof of assignment, including a copy of the original contract with the original creditor and documentation showing that the debt was legally assigned or sold to you, along with the chain of title from the original creditor to your agency.
  
  
  Until this requested information is provided, I dispute this debt in its entirety and request that all collection activities, including reporting this debt to credit bureaus, be ceased until proper validation is given. If you cannot provide adequate documentation, I request that you remove any negative information related to this debt from my credit report.
  
  
  Please respond to this request within 30 days, as required by law. I will consider any failure to provide the requested validation as an admission that you lack the necessary proof to collect this debt.
  
  
  Sincerely,
  ***** *****

  Business Response

  Date: 04/04/2025

  On March 29, 2025, TrueAccord Corp. received the BBB complaint filed by ***** ***** (“the consumer”). We take every complaint seriously and appreciate the opportunity to address the consumer’s concerns. 

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

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

  TrueAccord does not own the account in question. The current creditor placed the account, including the consumer’s contact information, with us and we loaded it into our system on March 11, 2025. 
  
  On March 14, 2025, 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 March 29, 2025 TrueAccord received the consumer’s dispute and paused all collection activity. TrueAccord notified our client, the current creditor , of the consumer’s dispute and the client has subsequently pulled the account from our system on March 29, 2025.  Therefore, TrueAccord is no longer servicing the consumer’s account. 

  Our client has advised us that based on ***** *****’ dispute they are terminating collection efforts on the account.

  If the consumer has any further questions about the account, we suggest the consumer contact the current creditor directly.
  

  
  

• Initial Complaint

  Date:03/27/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with 11 AT T. I do not have a contract with TrueAccord Corporation located at *** ******* **** ***** *** Lenexa, KS 66219. they did not provide me with the original contract as I requested.

  Business Response

  Date: 04/07/2025

  On March 31, 2025, TrueAccord Corp. received your BBB complaint. We take every complaint seriously and appreciate the opportunity to address your concerns. 

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

  TrueAccord does not own the account in question. The current creditor placed the account, including the contact information, with us and we loaded it into our system on August 13, 2024. 
  

  On August 14, 2024, TrueAccord sent you an initial email detailing the creditor, an itemization of the amount due, how the debt could be disputed, and the option to unsubscribe. It also included a link to the CFPB website (********************************) for you to learn more information about your federal rights.
  

  On March 31, 2025, TrueAccord received your dispute via an Automated Consumer Dispute Verification (ACDV) form from  the credit reporting agencies.  We paused collection activity, requested debt verification from the current creditor, and will not resume collections until after the debt verification has been sent to the address on file. 
  

  As a result of this dispute, TrueAccord submitted a request on April 5, 2025 for the tradeline to be removed from your credit report. It typically takes around 45 days for the credit report to be updated by the credit bureaus. If you have additional questions regarding credit reporting, we suggest you reach out directly to the credit reporting agencies.

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

  Customer Answer

  Date: 04/07/2025

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

• Initial Complaint

  Date:03/26/2025

  Type:Customer Service Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have received multiple emails from TrueAccord on February 2025 regarding an alleged account with Snap Finance. I have already disputed an alleged debt with that creditor. I have never taken out a loan, opened or created an account with Snap Finance, but third party collection agencies have been trying to collect from me, including TrueAccord. Police reports have been made and the FTC has been notified. But the collections need to stop.

  Business Response

  Date: 04/09/2025

  On March 31, 2025, TrueAccord Corp. received the BBB complaint filed by J******* ****** (“the consumer”). We take every complaint seriously and appreciate the opportunity to address the consumer’s concerns. 

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

  TrueAccord does not own the account in question. The current creditor has placed this account with TrueAccord multiple times.  With each placement the current creditor provides the consumer’s contact information to us and we load it into our system. The most recent placement was on February 2, 2025. 

  On February 3, 2025, 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 (*******************************n) for the consumer to learn more information about their federal rights.

  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.

  On March 4, 2025, TrueAccord received the consumer’s email disputing this debt.  We processed this dispute, paused collection activity, and requested debt verification from the current creditor.

  As a result of this complaint, TrueAccord has processed 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. The last communication sent to the consumer by TrueAccord on this account was on March 1, 2025. Since the account is no longer with TrueAccord, we have forwarded this complaint to the current creditor.

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

  
  

  Customer Answer

  Date: 04/10/2025

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

• Initial Complaint

  Date:03/25/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I'm not liable for this debt with Trueaccord. I don't have any contract or agreement with this collection agency Trueaccord.
  I also have not received a copy of the original contract or agreement that bind me to this unknown account as I have requested.
  And I have disputed this unknown fraudulent account with the credit bureaus Trueaccord is reporting this account to.

  Customer Answer

  Date: 03/26/2025

  Yes I authorize this complaint.

  Business Response

  Date: 04/02/2025

  On March 27, 2025, TrueAccord Corp. received your BBB complaint. TrueAccord has not heard from you prior to this complaint. We take every complaint seriously and appreciate the opportunity to address your concerns. 

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

  TrueAccord does not own the account in question. The current creditor placed the account, including the contact information, with us and we loaded it into our system on January 8, 2025.
  

  On January 9, 2025, TrueAccord sent you an initial email detailing the creditor, an itemization of the amount due, how the debt could be disputed, and the option to unsubscribe. It also included a link to the CFPB website (********************************) for you to learn more information about your federal rights.
  

  TrueAccord has processed this complaint as a dispute. Please note that in the regular course of business, the current creditor removed the account from our system on April 1, 2025, 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 result of this dispute, TrueAccord submitted a request on March 29, 2025 for the tradeline to be removed from your credit report. It typically takes around 45 days for the credit report to be updated by the credit bureaus. If you have additional questions regarding credit reporting, we suggest you reach out directly to the credit reporting agencies.

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

• Initial Complaint

  Date:03/24/2025

  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.

  Received an email out of the blue from True Accord, claiming to be collecting on a debt on behalf of LVNV Funding LLC that does not exist. Would like my information removed from their database, and no longer want to be contacted.

  Business Response

  Date: 04/04/2025

  On March 25, 2025, TrueAccord Corp. received the BBB complaint filed by ******* ****** (“the consumer”). We take every complaint seriously and appreciate the opportunity to address the consumer’s concerns. 

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

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

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

• Initial Complaint

  Date:03/22/2025

  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.

  On 02/20/25 @ 9:23 am EST I began receiving unsolicited emails from TrueAccord, who identifies as a 3rd party collections agency on behalf of another alleged creditor, Affirm. I received approximately five (5) additional emails from TrueAccord within 14 days, some two within one week. I’ve also received SMS unsolicited messages from TrueAccord on February 22, 2025 @ 3:42 pm EST as to collections of the same alleged debt. A response back on February 23, 2025 @ 9:03 am EST from me to TrueAccord to STOP as to sending such SMS texts. Letters of cease and desist , along with additional requests were sent to TrueAccord on February 24, 2025 by certified mail, signature required as to delivery. USPS tracking has this envelope on track for delivery as of March 8, 2025. A formal complaint against TrueAccord was also filed on 03/06/25 **** * *************** and response by TrueAccord on 03/21/25 This company has a history of violations with the BBB and recently on January 16, 2024, a settlement with the Colorado Attorney General’s Office for illegal collections practices, a settlement was reached. This complaint is being filed as additional attention to be directed towards this company ongoing unethical business practice. This company, in past many responses to customer complaints uses the same word for word explanation of licensed and bounded company and abuses words such as dignity and respect in their profession. Im hoping my complaint will be joined with the many other unethical business practices and illegal activities of this company to bring attention and possibly government involvement to remove and license or authority of this company due to these ongoing unsolicited communication tactics to alleged debt

  Business Response

  Date: 04/01/2025

  On March 22, 2025, TrueAccord Corp. received the BBB complaint filed by ****** ********** (“consumer”). We take every complaint seriously and appreciate the opportunity to address their concerns. 

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

  TrueAccord does not own the account in question. The current creditor placed the account, including the consumer’s contact information, with us and we loaded it into our system on February 17, 2025. 

  On February 20, 2025, 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 5 outbound emails on this account in 15  days. At most, two outbound emails were sent to youin one week. This communication frequency does not meet the threshold for what the laws and regulations governing our industry consider to be harassment.

  TrueAccord has processed this complaint as a cease and desist request. TrueAccord will no longer contact you on this account. 

  In the event that you have any further questions, we encourage you to reach out to ****** *** **********************************************************

  While investigating your complaint, we reached out to ****** and they provided the following response: 

  ****** records indicate that Mr. ********** ********* **** *** *********) was processed on September 29, 2022 in the amount of $2,491.12. He agreed to make 24 monthly installment payments of $135.28, and the APR is 26.85%. Mr. ********** previously deferred his monthly loan payments on three separate occasions for one month each: on November 22, 2022; January 11, 2023; and on March 19, 2023. In total, he has made thirteen payments of $135.28 towards his ****** loan. After August 28, 2024, no further loan payments were made towards the loan and it became more than 120 days overdue. The loan was then charged off on January 27, 2025 to ******’s third party collections partner.

  At this time, the loan has been returned to ****** following Mr. Waddington’s request for a cease and desist. He may contact ****** by calling ************ between the hours of 7 am and 10 pm CST seven days a week to make payments towards this loan.

  ****** encourages all customers to make payments on or before the scheduled due date. ****** does not charge any late fees, but late payments may impact customers’ ability to take out future loans with ******. If payments are 30 or more days overdue some loans may be reported to ******** as delinquent. If payments are more than 120 days overdue, we reserve the right to refer a loan to our third-party collection partners. Once a loan has been charged off, the charge off status is irreversible.

  Between November 24, 2024 and March 19, 2025, ****** received notice that Mr. ********** disputed the accuracy of credit reporting associated with loan 7FCQ-Z27W via ******** directly. ****** reviewed each of these disputes to find that the loan was reported accurately.

  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.

  Please note, since Mr. ********** will not be receiving any communication from ******, he will be responsible for self-monitoring and repayment of his loan.

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

  Customer Answer

  Date: 04/01/2025

  
  
  ********** ********
  
  
  
  I am rejecting this response because:

  1st this 3rd party junk fee buyer/ collections company is going on what ****** has told them and only sent what information, documents they, ****** seems to be necessary but not all the actual documents I have to prove otherwise.   TrueAccord should not just rely on information sent them from another creditor without verification of all relevant documents related to such alleged debt they are now contacting me and or attempting to collect on an alleged debt that’s flawed and inaccurate.  TrueAccord is opening there business to legal action and or litigation along with there client in these case’s.  I’d advise the very worded response that TrueAccord has sent back to the BBB to be just as transparent and do more in tacking on creditors accounts without , I recommend, obtain a signed contract, advising a company like TrueAccord that all documents and information they receive from a client is to the best of there knowledge and no other information or details are available.   This would leave TrueAccord exempt from legislation and possibly legal liability for either reporting false and fraudulent information then attempting to collect on such fraudulent claims.  I would definitely file a motion in ********** ** ******** ****** requesting summary judgment for court cost, illegal violation of the FDRA and my rights as a customer for such illegal activity    I will leave it to the court to decide the penalty to impose if such action is necessary moving forward   TrueAccord quickly blames the creditor, ****** of this incident but goes on to further explain information as to the account, its disputed past and a history of payments and inaccurate account information     They are repeating what another company is telling them as they stated, they do not own the account so they do not have the full data and related account information    Poor research and response 

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

  Business Response

  Date: 04/11/2025

  TrueAccord received the consumer’s rejection notification to our April 1, 2025 response. 
  
  To confirm, TrueAccord received the consumer’s notification to unsubscribe from all SMS messages on February 23, 2025. We also processed the consumer’s cease & desist request on March 7, 2025. 
  
  The account has been returned to ******* With all regulatory complaints, TrueAccord obtains ******** direct response and provides it to the consumer. We have done the same, with the consumer’s rejection. Please see ******** response below:
  
  At this time, the loan has been returned to ****** following Mr. ***********s request for a cease and desist. He may contact ****** by calling ************ between the hours of 7 am and 10 pm CST seven days a week to make payments towards this loan.
  
  Please note, since Mr. ********** will not be receiving any communication from ******, he will be responsible for self-monitoring and repayment of his loan.
  
  As stated in the original response, ****** encourages all customers to make payments on or before the scheduled due date. ****** does not charge any late fees, but late payments may impact customers’ ability to take out future loans with ******* If payments are 30 or more days overdue some loans may be reported to Experian as delinquent. If payments are more than 120 days overdue, we reserve the right to refer a loan to our third-party collection 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.
  
  In the event that Mr. ********** has any further questions, we encourage him to reach out to ****** via **************************************************
  

  Customer Answer

  Date: 04/11/2025

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to the point of contacting me to this alleged debt.   As to the additional information of payment and what ****** is lawfully entitled to report or do should not advise legal counsel or comment on issues they are completely not being aware of or told by ****** on this alleged account.  I’m completely aware of the laws and regulations that are not only expected by government mandates and  by state and Federal law on such issues and will be taking this issue up with ****** or they face regulatory compliance fines to there company which they and any agents of there company will also be subject too as well.  Withholding information to another debt collection agency for the purpose of fraudulent communication tactics to a consumer is criminal and illegal    I’d advise this company to adhere to their response and do not contact me as to this issue as we go forward    I appreciate the company’s quick response to remove themselves from what would become a very costly legal challenge and eventually a finding of violations of my consumer protection rights    

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

• Initial Complaint

  Date:03/18/2025

  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.

  im a victim of identity theft. this does not belong to me. i have been back to back with this company i had communicate with them to let them know this is not me. my data has been breached and they using my informatiom. please remove this from my credit report. this is fraud. this is not mine.

  Customer Answer

  Date: 03/19/2025

  This is my report on the company thats reporting fraudulent information on my credit report. Please have this collector remove this from my credit report and do proper research on who that debt belongs to. 

  Business Response

  Date: 03/26/2025

  On March 19, 2025, TrueAccord Corp. received the BBB complaint filed by ******** ******* ******* ******* (“the consumer”). We take every complaint seriously and appreciate the opportunity to address the consumer’s concerns. 

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

  TrueAccord does not own the account in question. The current creditor placed the account, including the consumer’s contact information, with us and we loaded it into our system on October 23, 2024. 
  
  On October 23, 2024, TrueAccord sent the consumer an initial email detailing the creditor, an itemization of the amount due, how the debt could be disputed, and the option to unsubscribe. It also included a link to the CFPB website (********************************) for the consumer to learn more information about their federal rights.

  TrueAccord 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. 

  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 otherdocuments that they believe would be relevant to investigate their claim.

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

  If the consumer has any more questions, they may contact us via email at [email protected] or by phone at ***** ********. Thank you.
  

  
  

• Initial Complaint

  Date:03/14/2025

  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.

  TrueAccord is spamming/phishing my email w/bogus claims from 2 TrueAccord individuals ID citing 2 alleged amts due & acct numbers. Allegation is I owe $ to "LVNV Funding LLC (current creditor of your original General Electric Capital Corporation) account." I have NEVER done any business with or had any credit w/"LVNV Funding LLC/GE Capital Corp)! Stop spamming my email w/bogus phishing claims that I owe anything! Below are 3 of the many fake claims! Cease & desist!
  
  Mar 14, 2025 ******* ******

  Business Response

  Date: 03/26/2025

  On March 18, 2025, TrueAccord Corp. received the BBB complaint filed by ***** ****** (“the consumer”). We take every complaint seriously and appreciate the opportunity to address the consumer’s concerns.

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

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

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

  
  

  Customer Answer

  Date: 03/26/2025

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