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: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.

  TrueAccord contacted me via email on Dec. 2, 2024 regarding an alleged outstanding debt of $792.92 owed to **** ******* *** from the original creditor ******* ***., dating from March 5, 2018.
  
  I do not have any responsibility for the debt they trying to collect.
  
  I have never conducted any business with ******* ***. and the address provided on file for me (**** **** **, Harrisburg, PA 17014-2135) is not and never has been my address.
  
  I emailed their customer support from their website since the email I received appeared to be a phishing scam and asked if they could confirm the legitimacy of the original email (especially since the contact phone number in the email was NOT the same as on their website. Customer service responded 10 days later asking for my address to send documentation but did not address my concerns regarding phishing, which reinforced my sense this was a scam.
  
  In addition to having NOT any responsibility for this debt, the Pennsylvania Statute of Limitations on debt is four years, which further invalidates this claim (42. Pa. C.S. 5525(a)) from 2018.
  
  I request that TrueAccord stop all other communication with me and with this email address, and record that I dispute having any obligation for this debt. If they stop their collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If they report it to a credit bureau (or have already done so), also report that the debt is disputed.

  Business Response

  Date: 02/03/2025

  On January 31, 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 information for this account was provided to TrueAccord by the current creditor.  It appears that your email address is associated with an account owed by a different person with the same name. As you have stated that this is not your account, TrueAccord removed your email, j*****************. We appreciate you notifying us of this and you will no longer receive communications from TrueAccord regarding this account.

  Thank you
  

  
  

  Customer Answer

  Date: 02/03/2025

  
  
  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:01/28/2025

  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 received an email Monday January 27, 2025 about an account that I do not have. The email stated the following, this is the exact email. (This is TrueAccord Corp., reaching out about your balance with **** ******* *** (current creditor of your original **** ** ******** ****** ***** account) of $395.12). I have never had an account with the **** ** ******** nor have I ever been to Missouri. I do not want to be responsible for this on being my credit report, especially if I have never had an account with this company. I have also been receiving calls from the debt collectors about this account as well. I do not know how you got my information but I want all of my information removed from this debt collection company. If someone has used my information to open this account I will be pressing charges because this is fraud.

  Business Response

  Date: 02/07/2025

  On January 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.
  

  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 the email address from this account and will not contact you about this account again.
  

  As a final note, TrueAccord did not contact you via phone regarding this account.
  

  We hope that this response thoroughly addresses your concerns.

• Initial Complaint

  Date:01/26/2025

  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 received an email from TrueAccord on 24JAN2025. The email was about a debt owed to Citi Bank. The problem here is that the debt in question is named under my Great Grandmother who passed away years ago. After talking to my Grandfather, who handled her finances, he said she NEVER banked with Citi Bank. TrueAccord even has her middle name wrong in the email. Even if this debt is real, is it professional to send personal and sensitive information to other people? That is a big breach in privacy that should have TrueAccord penalized and shut down!

  Business Response

  Date: 02/05/2025

  On January 31, 2025, TrueAccord Corp. received the BBB complaint filed by Terrell Larkins (“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.
  
  

• Initial Complaint

  Date:01/25/2025

  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 keeps emailing me calling me ****** ** and saying I owe them $472.31 for a ******* *** debt now through ***** ***. It looks suspiciously like phishing or a scam because I am neither ****** * or do I even know anyone of that name, and I have never used ******* **** In order to dispute this claim they are asking for personal information through a bot.

  Business Response

  Date: 02/03/2025

  On January 27, 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: 02/03/2025

  
  
  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:01/21/2025

  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 always had an excellent credit score. Earlier this week, my scores suddenly dropped 75 points. It turns out that this was due to a filing from the debt collection agency True Accord Corporation that I had an unpaid debt of $1246.00. They were extremely vague as to whom I owed this money and for what. Or when the debt was incurred.
  
  The bottom line is that this is a scam prompting me to simply send in a check for the $1246.00 payable, of course, to True Accord. According to my online research, this is a typical ongoing scam with this company.
  
  I do not owe this money to any legitimate company. It is simply a scam by True Accord. Naturally, I cannot reach anyone at True Accord for an explanation.
  
  It is imperative that I get this claim expunged from my credit report and have my regular score back in place.
  
  Thank You,
  
  ****** *******

  Business Response

  Date: 02/03/2025

  On January 27, 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.

  We would like to assure the consumer that TrueAccord is a legitimate business. We can be located on the Better Business Bureau page located here: ******************************************************************************************431. We are also registered with the CFPB. 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 November 19, 2024. On November 21, 2024, TrueAccord sent the consumer an initial email to ******************** 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. 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.

  As a result of this dispute, TrueAccord submitted a request on February 2, 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 [email protected] or by phone at ***** ******** to provide an updated address.

  Thank you.

  
  

  Customer Answer

  Date: 02/04/2025

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

  True Accord asserts in its email response that pertinent information regarding this matter was sent to me at *********************.  

  I have never used Hotmail.  My email address is ******************  Has been many years.  Perhaps this is the problem...that I was sent someone else's billing.

  Again, I have had no account with *** ********.  
  
  
  
  Sincerely,
  
  
  
  ****** *******

  Business Response

  Date: 02/10/2025

  On February 4, 2025, TrueAccord received your follow up to our response filed on February 3, 2025. We appreciate you following up on this matter. 

  To clarify, our initial response states that notification was sent to to *********************, which does not include any numerical characters.  (The email address has been redacted for security purposes.)

  Since the filing of our initial response on February 3, 2025, TrueAccord received your dispute via Automated Credit Dispute Verification (ACDV) form.

  As a result of the complaint received January 27, 2025, TrueAccord processed a dispute for this account and requested verification from the current creditor. We will not resume collections until after the debt verification has been sent. 
  
  As confirmation, on February 2, 2025 TrueAccord submitted a request 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 you believe that this account is a result of fraud/identity theft, the current creditor will need additional information from you 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.

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

  
  

• Initial Complaint

  Date:01/20/2025

  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

  Business Response

  Date: 01/29/2025

  On January 21, 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 October 22, 2024.On October 23, 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 the CFPB website ********************************** for the consumer to learn more information about their federal rights.

  On January 15, 2025, TrueAccord received a dispute filed by the consumer via an Automated Consumer Dispute Verification (ACDV) form from the credit reporting agencies.  TrueAccord processed a dispute, paused collection activity, and requested debt verification from the current creditor. We 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 January 19, 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 or would like to take further action on the account, they may contact us via email at ********************** or by phone at ***** ********. Thank you.

• Initial Complaint

  Date:01/18/2025

  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.

  I am not liable for this debt with ******* ***** *************** I do not have a contract with TrueAccord Corporation, and they did not provide me with the original contract as I requested.

  Business Response

  Date: 02/03/2025

  On January 28, 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 25, 2024.
  

  On June 28, 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. 
  

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

  Customer Answer

  Date: 02/03/2025

  
  
  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:01/17/2025

  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 a letter from TrueAccord requesting debt collection that is owed to ******* ***. The amount is for $957.99. Letter is dated December 30, 2024. Outstanding balance claim is for December 19, 2024. I have never purchased, used, or heard of ******. I do not owe any money. Upon doing further research, we found that both businesses (TrueAccord and ******) have reports with BBB. We also determined, when going to the website the letter provided and entering Account Number, that the telephone number filed for the said debt is not my number or anyone in our household. In addition, I have received emails from ****** regarding outstanding balance for purchase from *** ******. Please note: I have not paid this company anything since we did not purchase anything through ******* ***. I will attach the letter. Please let me know what actions I need to take.

  Business Response

  Date: 01/29/2025

  On January 21, 2025, TrueAccord Corp. received the CFPB 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 December 26, 2024. 
  
  On December 30, 2024, TrueAccord sent the consumer an initial letter 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.
  Because you have expressed this account to be a result of fraud, TrueAccord has returned it to the creditor. TrueAccord will no longer contact you or collect on this account. If you have any further questions regarding this account, we suggest contacting ******. Thank you.
  In the process of investigating this complaint, we reached out to ******. ****** provided the following information:
  ******'s records indicate that loan ********* was processed on August 5, 2024, for a purchase with the merchant, *** ****** ******, in the amount of $957.99. This loan has terms of 0.00% Annual Percentage Rate (APR) and 3 bi-weekly payments of $239.50. 
  *** *******’s wife called ****** on January 17, 2025, and with his permission and verification, ****** spoke to her about his account. It was stated  that the loan was not recognized, and they had been getting communication from TrueAccord about the loan being in collections. *** *******’s wife advised that they did not know about the loan and were not sure who TrueAccord was. The ****** Customer Care agent advised that an investigation was going to be opened. ****** followed up with an email stating the account had been restricted and an investigation can take up to 30 days. 
  On January 22, 2025, ****** was informed by TrueAccord that *** ******* was disputing the validation of the debt, and the loan has been found to remain *** ********* responsibility at that time. 
  As of January 29, 2025,  ****** shows that this loan is not furnished therefore it is not reporting to the credit bureaus. Additionally, on January 29, 2025, we requested that our Account Safety team review the unauthorized claim and once reviewed they will be in direct contact with him. 
  Please know that we take these claims very seriously and appreciate your cooperation throughout the investigation process. Account safety is of the utmost importance at ****** and we take great care in protecting consumer information.
  In the event he has any further questions or concerns, we encourage him to reach out to https://helpcenter.******.com/s/contact-us.
  
  

  Customer Answer

  Date: 02/04/2025

  
  
  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:01/16/2025

  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 rejecting this collection because: In accordance with the Fair Debt Collection Practices Act (FDCPA), 15 USC 1692g, stating that I dispute your claim and am requesting validation of the debt.
  
  
  I have not received any proof that I owe this alleged debt. I am requesting that you provide me with full and proper documentation, specifically the original contract (bearing my signature) as evidence of this debt. If you are unable to provide the proper proof, you must cease all attempts to collect this alleged debt and remove it from my credit report immediately.
  Should you continue to assert that I owe this alleged debt without providing the requested documentation (the original contract bearing my signature), you will be in direct violation of the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and may be subject to defamation claims.
  The following FDCPA violations have been committed:
  806. Harassment or abuse
  807. False or misleading representations
  808. Unfair practices
  809. Validation of debts

  Business Response

  Date: 01/29/2025

  On January 21, 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 25, 2024. 
  
  On October 28, 2024, TrueAccord sent the consumer an initial letter 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 January 19, 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 that we are no longer collecting on the account. Since the account is no longer with TrueAccord, we have forwarded this complaint to the current creditor.
  
  

  Customer Answer

  Date: 01/29/2025

  
  
  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 at this time. 
  
  If any further questions or challenges arise, I will contact accordingly.
  
  Sincerely,
  
  
  
  ******** *****

• Initial Complaint

  Date:01/15/2025

  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.

  I am not liable for any debts with Jefferson Capital systems. I do not have a contract with True Accord, they did not provide me with the original contract as requested.

  Business Response

  Date: 01/16/2025

  On January 15, 2025, TrueAccord Corp. received the BBB complaint filed by ******** *****n (“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 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 November 15, 2024. 
  
  On November 19, 2024, TrueAccord sent the consumer an initial email/letter 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 **********************-collection) for the consumer to learn more information about their federal rights.
  TrueAccord has processed this complaint as a dispute. TrueAccord notified our client, the current creditor, of the consumer’s dispute and the client has subsequently pulled the account from our system on January 15, 2025.  Therefore, TrueAccord is no longer servicing the consumer’s account. Further, our client has advised us that  to resolve this matter they are terminating any further collection efforts on the account.  If the consumer has any further questions about the account, we suggest the consumer contact the current creditor directly.