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:02/21/2025

  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 have received emails from TrueAccord on multiple occasions, most recently Feb 08, 2025, seeking to collect on a debt I do not hold. The amount is $1801.17, with *****m, at an address I have never lived at. I do not have any responsibility for the debt they are trying to collect. Further, there is no consent by me for unauthorized charges. I would like TrueAccord to remove the collection and cease contacting me about this. Please submit all documents that you have submitted to consumer reporting agencies you used to create this trade line on my credit report. I have reason to believe that you unlawfully obtained my personal identification information. I believe you have used my name and any other personal identifiable information such as a social security card, bank information, driver license, and or my address without my consent or a signed agreement between me and your agency expressing mutual assent from both parties. Before this escalates further and causes more damage and more hours of my time investigating how you or your originator obtained false information, or an investigation into penalties for identity theft (under 18 USC 1028A) is pursued, I asked that you remove this as soon as possible.

  Business Response

  Date: 03/07/2025

  On February 25, 2025, TrueAccord Corp. received the BBB complaint you filed. TrueAccord has not heard from you prior to this complaint. We take ***ry 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 ***nt 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.

  Please note that TrueAccord does not credit report for ******, but ****** does. If you have any questions regarding credit reporting or would like to report unauthorized activity, we encourage you to reach out directly to the creditor or the credit reporting agencies. You may reach ****** by calling ************ between the hours of 7 a.m. and 10 p.m. CT s***n days a week.

  TrueAccord does not own the account in question. The current creditor placed the account, including your contact information, with us and we loaded it into our system on December 2, 2024. On December 5, 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 (ht******************************* for you to learn more information about your federal rights.

  TrueAccord has processed this complaint as a dispute and cease and desist request. TrueAccord will no longer contact you regarding this account. As a result of the cease and desist request, we are no longer collecting on this account. 
  

  In the process of investigating this complaint, we reached out to ******. ****** provided the following information:

  Thank you for the opportunity to respond to your BBB complaint. ****** has reviewed your complaint which states your concerns with the credit reporting of an ****** loan. 

  ******’s records indicate that you have obtained one loan. Loan Z9SD-639Z was processed on March 27, 2024 for $2,407.32, for a purchase with R***rb., The loan required a down payment amount of $367.32 that was submitted on March 26, 2024, leaving a residual loan balance of $2,040.00. The repayment terms are 12 installments of $200.69 at an Annual Percentage Rate (APR) of 31.80% with payment due on the 276th of each month. ****** received payments of $200.69 on April 27, 2024, and May 27, 2024. On July 11, 2024, ****** received a payment for $200.00. On July 26, 2024, ****** received a payment for $1.00. There were no further payments received and the loan was charged off on November 25, 2024, after having an overdue balance for 120 days. You can confirm the payment dates and amounts for the loan by logging into your ****** account and reviewing the loan under the manage tab. 

  On February 26, 2025, ****** was informed by TrueAccord that you were disputing the validation of the debt, and the loan has been found to remain your responsibility. 

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

• Initial Complaint

  Date:02/15/2025

  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.

  Account was purchased from ****** before 120 day mark.
  The payment for October
  4, 2024, was made on time. Therefore, the next payment due date was November 4, 2024.
  The correct 120-day mark would be 120 days from November 4, 2024, which is March 1, 2025.
  Despite the fact that the 120-day period had not yet been reached, my account was sold to collections on February 2, 2025, which is before the 120-day mark.
  According to both federal regulations (such as the Truth in Lending Act) and California law, accounts cannot typically be charged off until they are 180 days past due. This account was sent to collections on February 2, 2025, which is prior to the 120-day mark and well before the
  180-day period for charge-offs. As such, the account was sent to collections prematurely.
  Given this information, I respectfully request that this matter be reviewed and corrected. I ask that the status of the account be updated to reflect the accurate payment timeline and that the collection action be reversed.
  Please confirm in writing once this matter has been resolved. I look forward to your prompt attention and cooperation in correcting this issue.

  Business Response

  Date: 02/24/2025

  On February 19, 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 are registered with the CFPB. We maintain a full-time internal compliance department that established our policies and procedures to exceed the minimum regulatory requirements of the state, federal and local laws governing collections. Our in-house training program instructs our agents on these policies, including annual refresher courses.
  

  TrueAccord does not own the account in question. The current creditor placed the account, including your contact information, with us and we loaded it into our system on February 9, 2025.
  

  Please note, TrueAccord has not yet contacted you about this account. As such, we are required to provide to you the following information:
  

  The address on file for you is *** * **** ** LOS ANGELES, CA 90037.
  As of February 2, 2025  you owed $199.91
  Between February 2, 2025 and today
  You were charged this amount of interest $0.00
  You were charged this amount in fees $0.00
  You paid or were credited this amount towards the debt $0.00
  Total amount of the debt now $199.91
  
  Please be advised, you may call or write to us to dispute all or part of this debt. If you write to us we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may also include supporting documents. We accept disputes through our website, by phone, by email, or mail (see these contact options below). 
  

  You may also ask for the name and address of the original creditor, if different then the current creditor. 
  Go to ******************************** to learn more about your rights under federal law.
  

  On February 15, 2025, TrueAccord received your request disputing this debt.  We processed this dispute, paused collection activity, and requested debt verification from the current creditor. TrueAccord has not and will not resume collections until after the debt verification has been sent to the address on file.
  

  Please note that TrueAccord does not credit report for Affirm, but ****** does. If you have any questions regarding credit reporting or would like to report unauthorized activity, we encourage you to reach out directly to the creditor or the credit reporting agencies. You may reach ****** by calling ************ between the hours of 7 a.m. and 10 p.m. CT seven days a week.
  

  If you have any more questions, you can contact us via email at ********************** or by phone at ***** *********
  While investigating your complaint, we reached out to ****** and they provided the following response: 
  

  ******** records indicate that loan ********* was processed on January 4, 2024, for a purchase with the merchant, Amazon, in the amount of $547.48. This loan has terms of 35.89% Annual Percentage Rate (APR) and 12 monthly payments of $54.97 due on the 4th of each month. This loan shows five on time payments of $54.97 were processed from February 4, 2024, to June 4, 2024. Two payments were processed on July 28, 2024, and August 9, 2024, for $54.97. 
  

  Looking at his ****** account, this loan became delinquent because he did not satisfy the payment due on October 4, 2024, and became more than 90 days overdue. To provide further context, the payment that was due on September 4, 2024, was not satisfied until October 4, 2024, and then the payment due on October 4, 2024, was not satisfied. One payment was made on January 18, 2025, for $20.00 but this did not satisfy the loan.
  

  The loan became 120 days overdue, and the loan charged off to ******** third party collections agency, TrueAccord on February 2, 2025. TrueAccord can be reached at ***** ******** for any questions or to schedule payments.
  

  ****** received one credit reporting dispute through Experian on February 13, 2025. After investigation, we found the loan to be reporting accurately in the dispute.
  

  On February 16, 2025, ****** was informed by TrueAccord that *** ***** was disputing the validation of the debt, and the loan has been found to remain *** *****’s responsibility.
  

  Please note, ****** has a regulatory obligation to furnish accurate loan and repayment information (positive or negative) to the credit bureau and can only update reporting if an inaccuracy is identified. At this time, we have confirmed that all credit reporting is accurate and will have to respectfully decline her request to remove credit reporting for loan **********
  

  For your convenience, ****** has attached the Truth in Lending disclosures, as well as the loan verification documents, associated with both loans. Together, these documents provide the validation that she has requested.
  

  In the event she has any further questions or concerns for Affirm, we encourage her to reach out to ******************************************.

  Business Response

  Date: 03/04/2025

  On February 24, 2025, TrueAccord Corp. received your reply to our response filed on February 24, 2025.  We take every complaint seriously and appreciate the opportunity to again address your concerns.
  

  We reached out to ****** and they provided the following information:
  

  ****** has reviewed the account again, and this loan became delinquent because you did not satisfy the payment due on October 4, 2024, and became more than 90 days overdue. To provide further context, the payment that was due on September 4, 2024, was not satisfied until October 4, 2024, and then the payment due on October 4, 2024, was not satisfied. One payment was made on January 18, 2025, for $20.00 but this did not satisfy the loan.
  

  The loan became 120 days overdue, and the loan charged off to ******** third party collections agency, TrueAccord on February 2, 2025. TrueAccord can be reached at (888) 316-5474 for any questions or to schedule payments.
  

  ****** received a credit reporting dispute through Experian from February 13, 2025. After investigation, we found the loan to be reporting accurately in each dispute.
  

  On February 16, 2025, ****** was informed by TrueAccord that *** ***** was disputing the validation of the debt, and the loan has been found to remain *** *****’s responsibility.
  

  Please note, ****** has a regulatory obligation to furnish accurate loan and repayment information (positive or negative) to the credit bureau and can only update reporting if an inaccuracy is identified. At this time, we have confirmed that all credit reporting is accurate and will have to respectfully decline her request to remove credit reporting for loan **********
  

  In the event she has any further questions or concerns for Affirm, we encourage her to reach out to ******************************************.

  Customer Answer

  Date: 03/05/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
   
  I am am writing once again to express my dissatisfaction with the ongoing lack of proper documentation and the repeated, incorrect statements I am receiving regarding my account. Specifically, the claim that my account was 120 days late is entirely false. The payment for October 4, 2024, was made on time, and I have yet to receive any supporting evidence to the contrary.
  
  
  I demand that you provide the appropriate documentation that accurately reflects the payment history for my account. If this issue is not addressed and resolved immediately
  
  

   

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

  Business Response

  Date: 03/21/2025

  On March 19, 2025, TrueAccord Corp. received your reply to our response filed on March 4, 2025.  We take every complaint seriously and appreciate the opportunity to again address your concerns.
  

  We reached out to ****** and they provided the following information:
  

  ****** has reviewed the account again, and to provide the payment history of the loan, *** *****’s monthly payment for this loan is $54.97 due on the 4th of each month. She made on time payments between February to June 2024. Her July 4, 2024 due date was paid on July 28, 2024. Her August 4, 2024 due date was paid on August 9, 2024. For her September 4, 2024 due date, she did not make a payment until October 4, 2024. Her next due date of October 4, 2024 became overdue until *** ***** made a $20.00 partial payment on January 18, 2025. This payment however, did not satisfy the agreed monthly payment amount of her loan. As this due date was not satisfied, it became 120 days overdue resulting in the loan being charged off to ******** third party collections agency, TrueAccord on February 2, 2025 for continued management.
  

  Loans are not charged off for late payments until they are 120 days past due. ****** provides notices of late payments and the potential for charge-off before the charge-off occurs, and will also send a notification when the loan is charged off. We can confirm that these notifications have been sent to *** ***** both by SMS and her email on file. Please refer to the following link for additional information:

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

  Please note, ****** has a regulatory obligation to furnish accurate loan and repayment information (positive or negative) to the credit bureau and can only update reporting if an inaccuracy is identified. At this time, we have confirmed that all credit reporting is accurate and will have to respectfully decline her request to remove credit reporting for loan **********
  

  At this time, *** ***** will need to contact TrueAccord at ************** to settle this debt. Once the balance is paid in full, the loan will reflect as paid. However, the history of charged off status will remain. In the event she has any further questions or concerns for Affirm, we encourage her to reach out to ******************************************.

• Initial Complaint

  Date:02/13/2025

  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 reliably for the debt with t-mobile. I do not have a contract with trueaccord corp. they did not provide me with the original contract as requested.

  Customer Answer

  Date: 02/18/2025

  Hi I accidentally submitted it twice. 

  Business Response

  Date: 02/25/2025

  On February 19, 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 September 6, 2024. On September 9, 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 February 17, 2025, TrueAccord received the consumers' dispute via an Automated Credit Dispute Verification (ACDV) form from the credit reporting agency. 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. 

  As a result of this dispute, TrueAccord submitted a request on February 23, 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.

  Please note, we do not have a current address for the consumer on file. In order to receive the verification documents, please have the consumer reach out to ********************** or by phone at ***** ******** to provide an updated address.

  Thank you.

  
  

• Initial Complaint

  Date:02/13/2025

  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.

  To Whom it may concern,
  
  This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
  
  TRUEACCORD CORPORATION - 47*********17 - $295
  
  Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don’t respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  Business Response

  Date: 02/17/2025

  TrueAccord Corp received the dispute filed with the CFPB in this complaint.
  
  
  TrueAccord has processed the 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 provided to the consumer.

• Initial Complaint

  Date:02/10/2025

  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 received an email addressed to *** **** ***. My name is ****** ***. I don’t know how they got my email address but this is incorrect.
  
  The email startes:
  “You have an account with **** ******* ***. The original creditor was ******** ********* **** with an account number ending in ****. The address on file for you is *** ****** **** *** *** Martinez, CA *********.”
  
  While I have lived at the address above, I have never stepped foot in a ******** ******* or taken out any form of credit with a jeweler. This account does not belong to me. The debt is addressed to a different person.
  
  I demand a cease and desist of any further contact from this business and any association to this “debt”.

  Business Response

  Date: 02/18/2025

  On February 12, 2025, TrueAccord Corp. received the BBB complaint you filed. 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 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 your email address ******************, as well as your phone number ending in ************  from this account and will not contact you about this account again. In addition, we have notified the current creditor. 

  Thank you. 

  
  

  Customer Answer

  Date: 02/18/2025

  
  
  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:02/07/2025

  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.

  Under the 609 ACT The Fair Credit Reporting Act (FCRA) is a law that regulates how consumer credit information is reported and used. This account is reported without my permission to a 3rd party company and I'm not responsible for this account and would like it removed immediately. It has been reported to my credit and I would like it removed.

  Customer Answer

  Date: 02/10/2025

  The collection is not mines. 

  Business Response

  Date: 02/19/2025

  On February 10, 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 December 11, 2024. On December 13, 2024, TrueAccord sent the consumer an initial email, to the same email listed in this complaint, 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. Furthermore, the notification included a disclosure informing the consumer about potential credit reporting associated with the account. 

  TrueAccord processed this complaint as a dispute. We paused collection activity and requested debt verification from the current creditor.

  As a result of this dispute, TrueAccord submitted a request on February 16, 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.

  The consumer contacted TrueAccord via telephone on February 17, 2025, to discuss resolving the account for an amount less than owed. The consumer made a payment that day, which effectively resolved the account. TrueAccord confirmed the payment to the consumer at ************************** and informed them that the current creditor would be notified of the payment, provided it is not returned.

  As such, TrueAccord is now showing that the account is resolved and we will no longer contact the consumer regarding this account. 

  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:02/06/2025

  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 keep receiving emails stating I owe money to true accord. The listed last name is not mine. I also checked my credit report and found no past due or overdue bills.

  Customer Answer

  Date: 02/07/2025

  I have received an email from this company every week concerning a debt I don't have. It was sent to a person named ***** *****. I am not that person. I do not have any debts in collection. I have checked my credit reports through all 3 credit bureaus. I have tried telling them they have the wrong person and are still sending me the email. 

  Business Response

  Date: 02/14/2025

  On February 10, 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.
  

  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 your concerns.

• Initial Complaint

  Date:02/06/2025

  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 aware of this tradeline unlawfully reporting on my consumer report. And would like to conduct a further investigation.
  
  Please submit all documents that you have submitted to consumer reporting agencies. That you used to create this tradeline on my credit report. I have reason to believe that you unlawfully obtained my personal identification information.
  Without my prior consent; which, you have used to create this tradeline on my credit report. let me explain, if you have used my Name and any other personal identifiable information such as: a social security card, driver license, or my address. Without a signed agreement between me and your agency. That expresses mutual assent from both parties.
  Then you are facing some serious penalties under the UNITED STATES CODE. Pursuant 18 USC 1028A Aggravated identity theft. (See United States v. Kuc, 737 F.3d 129, 134) "Pursuant to 18 U.S.C. § 1028A(a)(1), a person is guilty of aggravated identity theft if, in relation to any crime listed in § 1028A(c), he "knowingly . . . uses, without lawful authority, a means of identification of another person."
  
  The statute defines the term "means of identification". To mean "any name or number that may is used alone, or in conjunction with any other information. To identify a specific individual, including any name, social security number, [or] date of birth." Meaning if you used 2 separate forms of identification without my consent. Then you committed aggravated identity theft under 18 USC 1028A. If you delete this tradeline then I will drop my claim.
  All of the documented submitted via my email address calls me as ******* ****. That is NOT my legal name. Number two, you bought/purchased a debt that is near the statute of limitations per Ohio, debt collection rules, the statute of limitations is six years. This debt is nearly 6 years, as the documentation states that ******* **** NOT **** ** ****, owes from June of 2010.

  Business Response

  Date: 02/17/2025

  On February 10, 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.

  Customer Answer

  Date: 02/17/2025

  I have more information valid to this claim I never have ever lived in Maurice Louisiana. This complaint claims that I have lived at *** ***** ***** Maurice, LA 70555. They stole my identity and accused me of being ******* ****. I have never EVER been associated by any other name, other than **** ******** *****, MY MAIDEN NAME OR **** ******** **** MY MARRIED NAME. In no way shape or form, is ******* related to ****. I don't know her, you need to have that company validate the SSN associated with that debt. I have sought out legal representation, and will be seeking further litigation against True accord and resurrgent LLC, for identity theft, and will be seeking legal compensation, to the furthest extent of the law, including filing charges with the state of Ohio, for identity theft!!! Not to mention the statue of limitations is nearly up for this debt, that they are ATTEMPTING TO SUE FOR!!! they never validated the debt, which goes against the fair debt collection laws. I'll be filing complaints with them, as well!!! They accessed my credit file, accused me of being someone else. 

• Initial Complaint

  Date:02/03/2025

  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 Trueaccord Corporation. I do not have a contract with Trueaccord corporation. They did not provide me with the original contract as I requested.

  Customer Answer

  Date: 02/04/2025

  I submitted 2 complaints that used the same language because I am having the same problem with 2 different companies. I copied what I stated from my first complaint because the same is true. I have no contract with either of these companies. If there is anything else needed from me, please let me know, as having these hovering on my credit report are really making life difficult. Thank you very much for your time! 
  

  Sincerely,

  ***** ******

  Business Response

  Date: 02/11/2025

  On February 5, 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 February 21, 2024. 
  
  On February 22, 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. 
  As a result of this dispute, TrueAccord submitted a request on February 9, 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 [email protected] or by phone at ***** ********. Thank you.
  
  

• Initial Complaint

  Date:01/30/2025

  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.

  True accord has been sending me emails about a supposed debt I have when in fact I do not have a debt . They are saying I have a debt from ******** but I have not had any services with them since over a year ago. When I left ********* I made sure multiple times that I had a zero balance and no surprise fees to pay. Now over a year later, I am receiving messages or rather emails from trueaccord saying they can help me lower the price of my debt that I owe to ********. Since I received these emails, I went ahead and contacted ******** once again to make sure I have no outstanding bills or reason to be contacted by true Accord. I spoke with ******** twice over the phone both times said I have no past dues and I have a zero balance since over a year ago. I have a recording of ******** stating I have an $0 balance and I even got an email confirming that as well. I am a person who always pays my bills on time and never had an issue with ******** from my end . It is not fair to be harassed by true accord for no reason when I have no debt. Even more concerning than that, I do not want this to affect my credit when I don’t owe any money. I will attach the screenshot of the email from ******** for proof.

  Business Response

  Date: 02/18/2025

  On February 10, 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 September 6, 2024. On September 9, 2024, TrueAccord sent the consumer an initial letter detailing the creditor, an itemization of the amount due, how the debt could be disputed. 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 and cease and desist request. TrueAccord will no longer contact the consumer regarding this account. Subsequently, the current creditor removed the consumer’s account from our system on February 11, 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 February 16 ,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 about the account, we suggest they contact the current creditor directly. Thank you.
  

  
  

  Customer Answer

  Date: 02/21/2025

  
  
  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,
  
  
  
  ******** *****