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:04/24/2025

  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.

  TrueAccord is continuing to harass/attempt to get me to pay back a "debt" that I have no attachment to. The account number is not the one I had with AT&T and per AT&T and my history with AT&T, I do not have any unpaid payments.
  
  TrueAccord has developed a reputation for this harassment and I want the BBB to hold them accountable for verifying their data before spamming people begging for money.

  Customer Answer

  Date: 04/25/2025

  I sent you the direct communications from both email and text that True Accord sent directly to me. This is my own personal interaction with these people. If you're thinking this is a template, then maybe it's because this company is doing this to others? Did the bbb not even bother looking at the attachments?
  

  Business Response

  Date: 04/30/2025

  On April 25, 2025, TrueAccord Corp. received the BBB complaint filed by ******* **** (“the consumer”). TrueAccord has not heard from the consumer prior to this complaint. We take every complaint seriously and appreciate the opportunity to address the consumer’s concerns. 

  TrueAccord is a third party debt collection company established to reimagine the debt collection experience for consumers. Founded in 2013, TrueAccord communicates primarily via email and offers an inbound customer service center in the event a consumer prefers to call in and speak with a live agent. One of our guiding principles is treating our consumer-customers with dignity and respect. We are a licensed and bonded agency and registered with the CFPB. We maintain a full-time internal compliance department that established our policies and procedures to 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.

  We would like to assure the consumer that TrueAccord is a legitimate business and neither the email or SMS the consumer received is a scam. As mentioned above, we are registered with the CFPB and our Better Business page can be located here:  **********************************************************************************-**********.  After investigating our business and finding that we are a legitimate company with positive reviews, we hope that the consumer  feels comfortable knowing that TrueAccord is a legitimate business.

  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 16, 2025. 

  On April 19, 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.

  Please note, TrueAccord sent a total of 2 outbound emails and 2 outbound SMS on this account in 6 days. This communication frequency is well within the guidelines of what laws and regulations governing our industry consider as not harassment.

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

  As a result of the cease and desist request, we are no longer collecting on the account.  The last communication sent to the consumer by TrueAccord on this account was on April 24, 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.
  

  
  

• Initial Complaint

  Date:04/18/2025

  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.

  Paid off the account I owed for LVNV Funding LLC through resurgent capital services and these people say I owe them for the same account. I called up resurgent capital services and they told me the account has be resolved and I don't owe anything. Please do not call me or text me again or this will become a legal issue. I will not be paying twice for the same account. Also I tried to enter my ZIP code to check the details of the account with ya and you don't even have my correct zip code.

  Business Response

  Date: 04/30/2025

  On April 18, 2025, TrueAccord Corp. received the BBB complaint filed by ****** **********. We take every complaint seriously and appreciate the opportunity to address ****** **********’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.

  On April 18, 2025, ****** ********** contacted TrueAccord via telephone to inform us that he received an SMS for an account that he did not believe belonged to him. The agent removed the phone number in question. ****** ********** will no longer receive communications regarding this account. 

  We hope that this response thoroughly addresses ****** **********’s concerns. 
  

  
  

  Customer Answer

  Date: 04/30/2025

  
  
  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:04/07/2025

  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 not liable for this debt with True Accord Corporation. I do not have a contract with True Accord Corporation, they did not provide me with the original contract as I requested.

  Business Response

  Date: 04/17/2025

  On April 8, 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 June 25, 2024. 
   
  On June 26, 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.
  
  On April 8, 2025, the same day as the BBB filing, TrueAccord received the consumer’s 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 12, 2025 for the tradeline to be removed from the consumer’s credit report. It typically takes around 45 days for the credit report to be updated by the credit bureaus. If the consumer has additional questions regarding credit reporting, we suggest they reach out directly to the credit reporting agencies.
  
  We hope that this response thoroughly addresses the consumer’s concerns. Thank you.
  

• Initial Complaint

  Date:04/06/2025

  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 not liable for this debt with Merrimack Bank Corp, I do not have a contract with TrueAccord Corp, They did not provide me with the original contract as I requested.

  Business Response

  Date: 04/14/2025

  On April 7, 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 June 13, 2024.
  

  On June 13, 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.
  

  Please note that in the regular course of business, the current creditor removed the account from our system on December 9, 2024, therefore TrueAccord is no longer collecting on it. Since the account is no longer with TrueAccord, we have forwarded this complaint to the current creditor. If you have  any more questions about the account, we suggest you contact the current creditor directly. 
  

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

  Business Response

  Date: 04/24/2025

  On April 21, 2025, TrueAccord Corp. received your reply to our response filed on April 14, 2025.  We take every complaint seriously and appreciate the opportunity to again address your concerns.

  Although the current creditor removed the account from our system on December 9, 2024 and TrueAccord is no longer collecting on it, we processed your cease and desist request on the account. If you have  any more questions about the account, including your dispute request, we suggest you contact the current creditor directly.

  As a final note, as stated in our first response, TrueAccord does not report to any of the credit bureaus for this creditor. If you have questions regarding credit reporting, we suggest you reach out directly to the current creditor or the credit reporting agencies. Thank you.

  Customer Answer

  Date: 04/24/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  
  
  Sincerely,
  
  
  
  *** ******* ***** ******

• Initial Complaint

  Date:04/05/2025

  Type:Order 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 trueaccord corp. I do not have a contract with trueaccord corp, they did not provide me with the original contract as i requested

  Business Response

  Date: 04/17/2025

  On April 7, 2025, TrueAccord Corp. received the BBB complaint filed by ***** **** (“the consumer”). TrueAccord has not heard from the consumer prior to this complaint. We take every complaint seriously and appreciate the opportunity to address the consumer’s concerns. 
  
  TrueAccord is a third party debt collection company established to reimagine the debt collection experience for consumers. Founded in 2013, TrueAccord communicates primarily via email and offers an inbound customer service center in the event a consumer prefers to call in and speak with a live agent. One of our guiding principles is treating our consumer-customers with dignity and respect. We are a licensed and bonded agency and registered with the CFPB. We maintain a full-time internal compliance department that established our policies and procedures to 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 January 21, 2025. 
   
  On January 23, 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.
  
  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. 
  
  As a result of this dispute, TrueAccord submitted a request on April 12, 2025 for the tradeline to be removed from the consumer’s credit report. It typically takes around 45 days for the credit report to be updated by the credit bureaus. If the consumer has additional questions regarding credit reporting, we suggest they reach out directly to the credit reporting agencies.
  
  If the consumer has any more questions they may contact us via email at ********************** or by phone at (**** ********. Thank you.
  

• Initial Complaint

  Date:04/04/2025

  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 am not liable for this debt with PREMIER BANK, I do not have a contract with TRUE ACCORD CORP. they did not provide me with the original contract as I requested

  Business Response

  Date: 04/11/2025

  On April 9, 2025, TrueAccord Corp. received the BBB complaint filed by ****** ***** (“the consumer”). TrueAccord has not heard from the consumer prior to this complaint. We take every complaint seriously and appreciate the opportunity to address the consumer’s concerns. 
  TrueAccord is a third party debt collection company established to reimagine the debt collection experience for consumers. Founded in 2013, TrueAccord communicates primarily via email and offers an inbound customer service center in the event a consumer prefers to call in and speak with a live agent. One of our guiding principles is treating our consumer-customers with dignity and respect. We are a licensed and bonded agency and registered with the CFPB. We maintain a full-time internal compliance department that established our policies and procedures to 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 July 7, 2023. 
  
  On July 12, 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.
  Please note that in the regular course of business, the current creditor removed the consumer’s account from our system on July 3, 2024, therefore TrueAccord is no longer collecting on it. The last communication sent to the consumer by TrueAccord on this account was on June 30, 2024. Since the account is no longer with TrueAccord, we have forwarded this complaint to the current creditor. Thank you.

• Initial Complaint

  Date:04/04/2025

  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.

  Collection agency for Merrick Bank agreed to settlement offer.
  Paid since 08/31/24 $123.48 a month, totaling $617.40 as of 1/6/2025.
  In February 2025, no payment was taken or attempted.
  On March 11, the company attempted an unauthorized amount of $154.34 and charged me a $32.00 return fee.
  On 04/2/25, I called and the rep stated he could not locate me, nor a previous settlement offer. He saw the payments and sent an email offering $740.83 settlement. The call was disconnected and no one called back.
  On 4/3/25, I called again and spoke to a rep. She stated I didn't not make a payment in February 2025. I stated I haven't been making payments-the automatically come out as agreed too. I asked at this point if I only owed the $123.43 for the account to be settled. She states no- there's no agreement in the system. I asked how was having automated payments taken if I was not on an agreement.

  Business Response

  Date: 04/17/2025

  On April 7, 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 August 15, 2024. 
   
  On August 16, 2024, TrueAccord sent the consumer an initial email detailing the creditor, an itemization of the amount due, how the debt could be disputed, and the option to unsubscribe. It also included a link to the CFPB website *********************************) for the consumer to learn more information about their federal rights.
  
  Upon investigation of the account, it has been determined that a reduced payment plan was put in place by the consumer on August 19, 2024 in the amount of $123.48 per month. This payment plan was successful until the December 20, 2024 payment was attempted, and was not successful. On December 27, 2024 TrueAccord sent the consumer notification of the unsuccessful payment. The consumer then scheduled an ACH payment for $123.48 for January 4, 2025, which was successful and covered the December 27, 2024 payment due. We did not receive a January payment. TrueAccord notified the consumer via email regarding the missing payment on January 17, 2025, February 4, 2025, and a final notice on February 14, 2025 which informed the consumer that the plan had been canceled. 
  
  On February 16, 2025, the consumer went online and made a new reduced payment plan of $154.34 per month. The same day, TrueAccord sent the consumer a notification via email of the newly established. Additionally, TrueAccord reminded the consumer of the upcoming payment via email on February 25, 2025.  Therefore, the payment of $154.34 on March 7, 2025 was authorized by the consumer. However, the March 7, 2025 payment was not successful, which terminated the plan. The request for $32.00 to be refunded is denied based on these findings. 
  
  If the consumer has any more questions or would like to take further action on the account, they may contact us via email at [email protected] or by phone at ***** ********. Thank you.
  

  Business Response

  Date: 04/29/2025

  TrueAccord received the consumer’s rejection to our initial response on April 21, 2025.
  
  As mentioned in our April 17, 2025 response, the first payment arrangement was terminated because the consumer failed to make the January payment even after follow-up from our office. The second arrangement that the consumer established was terminated due to the payment not being successful.
  
  Should the consumer wish to enter into another payment arrangement, they may contact us via email at [email protected] or by phone at ***** ********. Thank you.

  Customer Answer

  Date: 05/02/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  
  The payments were automated.

  The second payment did not go through as it was not the agreed upon amount. 
  

  Reinstate the payment plan in process. I have attempted to pay the debt and you are denying payment. 

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

• 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.