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:07/22/2025

  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 the debt with **************************. I am filing this complaint because a ******************************* (***) policy was added to my auto loan without my knowledge, consent, or signature. The *** was allegedly placed by ****************, and the debt is now being pursued by *********, a third-party debt collector.I have never signed or agreed to the *** coverage, and there is no valid contract or documentation with my signature authorizing this debt. I am disputing the legitimacy of this charge and hold that I am not liable for this alleged debt.I have requested validation of the debt and a copy of any contract bearing my signature neither ***************** the lender, nor ********* has provided such proof. This constitutes an unfair billing and debt collection practice.Desired Resolution:Immediate removal of the *** charge and the associated debt.A formal written statement confirming that I am not liable for this debt.Cease and desist from any further debt collection or credit reporting regarding this matter.I am requesting the BBB to investigate this issue and hold the responsible parties accountable for deceptive and unauthorized billing practices.

  Business Response

  Date: 07/22/2025

  The consumers documents were provided on July 2, 2025 when TriVerity responded to his **** complaint. In the response to the consumers claim to have not agreed to *** we offered the following statement in the **** response:
  Additionally, the consumer claims the account is inaccurate and unverifiable. We have attached the consumers signed agreement with proof of balance at time of placement. Paragraphs 6 and 7 provide for the *** content of the agreement.   The included transaction history does show the consumer was refunded a rebate for the unused portion of the add *** (forced placed insurance).
  In regard to the consumers request for removal of the debt from his credit report we offer the same response we provided for this same request in his **** complaint, as follows:
  The consumer claims TriVerity reported the debt to their credit file. This is a false statement. TriVerity is not a data furnisher and therefore would not be listed on the consumers credit file as such.  
  We have marked the consumers account in our office as ceased and desist. 

• Initial Complaint

  Date:07/21/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My credit score went down 100+ points because triverity claimed i hadn't paid a disposition fee on my lease. i had called ********************** (formerly Bethpage) and tried to pay but the idiot on the phone said i can't pay online/by phone and the only way i could pay was at a physical Four leaf bank. I shlepped out there and left work early with a check, but when i got there they didnt know what to do and noone at corporate could help the people at the branch so they added the owed disposition fee to my savings account with a note to apply it. i followed up a week later and they told me the charge had gone to Triverity and there is nothing they can do. Triverity though never sent me any correspondence and i have left several voicemails with no response. and now i see my credit score went down off their claim. this is OUTRAGEOUS, especially over $500 i've been begging to pay.

  Business Response

  Date: 08/01/2025

  BBB Complaint response ******* ****** 23631827
  This complaint is an exact copy of the first complaint the consumer issued against TriVerity on July 22, 2025. 
  TriVerity offers the same response as the first time.
  
  BBB Complaint response ******* ****** 1640916
  TriVerity received a voice mail from this consumer requesting a call back on July *******. Our collector called him back on July 21, 2025 and left a voice mail message that she was returning his call.
  The consumer called back in on July 22, 2025. The collector missed the call and called the consumer back the same day.  The consumer stated he was upset about TriVeritys lack of communication. Our collector apologized for this. Our call back time is usually same day. TriVerity is not open on Saturday or Sunday (July 19th and 20th).
   The account was recently placed with TriVerity and the Model Validation Notice hadnt been sent out yet.  Since the debt was paid in full in less that 5 days from our first communication with the consumer the Model Validation notice would not have been mailed out.
  TriVerity is not a data furnisher and therefore does not credit report on behalf of our clients. TriVerity is not credit reporting this debt.
  We appreciate the opportunity to provide a response to the consumers concerns. 

  Customer Answer

  Date: 08/07/2025

   I am rejecting this response because:
  
  I paid triverity on July 21 and then followed up with Four leaf who said they didnt get any confirmation of payment from triverity and could not confirm with them so they took money out of my savings account on July 27, so I now have paid the same fee twice. I emailed triverity to refund my money (responding to the receipt confirmation of my fee) but they have not responded.

  Business Response

  Date: 08/12/2025

  The consumer paid the account off with ********************** on July *******.  Later that same day TriVerity received a BBB complaint from this consumer stating that he was having difficulties paying this debt. That complaint was forwarded on to our client, ****************************** 
  On July 24th TriVerity received notification from the credit union requesting that TriVerity refund the consumer their money because the funds were available in the consumers savings account and they were going to apply those funds to this debt.
  The funds were reversed on July 24th back to the consumers card.  This should be reflecting in the consumers account. The reversal usually takes ***** hours to show up.  If this is not the case and the consumer is still out their funds, please reach out to our office immediately.
   TriVerity has no record of an email being received from the consumer regarding this matter.  Just the BBB complaints.   

• Initial Complaint

  Date:10/16/2024

  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.

  They are a debt collection company. I am trying to pay my debt but there has been no answer for weeks.

  Business Response

  Date: 10/17/2024

  In response to BBB Complaint #********
  The consumers claims are not true.
  Our system of record shows no calls prior to the one on October 16th. Our company received an email communication from this consumer, which prompted our representative to attempt to call this consumer.
  The consumer did not answer, which led the representative to leave a voicemail message.
  The consumer then called in and discussed the account in our office with our representative. 

• Initial Complaint

  Date:09/30/2024

  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'm not liable for this debt with ***********. I do not have a contract with Triverity collection agency trying to collect and reporting it on my credit. They did not provide me with the original contract as I requested.

  Business Response

  Date: 10/07/2024

  In response to BBB Complaint #22361757
  This is our
  first communication from this consumer and have informed our client this
  account is disputed and marked as such internally. TriVerity Inc., has mailed
  the proof of debt as provided by our client, to this consumer.  The
  consumer does not have a contract with TriVerity nor would they. Our contract
  for services is with our client.
  The FDCPA/CFPB
  does not require we send a “wet signature” application contract for proof of
  debt.
  
  Recent court case decision (Campbell v. LVNV Funding Civil Action No. 21-5388
  EDPA) which was based on previous court decision (Graziano v. Harrison, 950
  F.2d 107, 113 (3d. Cir. 1991) was found in favor of the creditor when the
  consumer filed suit claiming the creditor failed to provide adequate
  verification request because the document wasn’t signed.  The court found
  the FDCPA does not state what qualifies as sufficient verification, but the
  requirements are minimal and do not require documents bearing a signature or
  contractual agreements.
  With that in mind, the court found that the defendant met those requirements
  when it provided the plaintiff with an account summary report showing the
  balance of his debt, the current account information (owner, reference number,
  original creditor, and account number), the dates  the debt was incurred
  and charged off, and the plaintiff’s name and address.
  
  The decision shows that while the FDCPA’s verification requirements are not
  specified in the act, the requirements are minimal and do not necessitate
  sending the consumer documents bearing a signature or contractual agreements.
  Rather, verification of a debt involves nothing more than the debt collector
  confirming in writing that the amount being demanded is what the creditor is
  claiming is owed.
  
  We do not credit report on behalf of our clients. If the consumer has an issue
  with the tradeline, they should contact the creditor directly.

• Initial Complaint

  Date:04/05/2024

  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.

  *************** has surreptitiously shared my personal information with Triverity Connector, a collection agency, without my consent or awareness. This pertains to an account that was charged off and closed several years ago. I insist that this account be expunged from all credit bureaus and cease reporting on my behalf to the three major credit reporting agencies. Whenever I contact ***************, they assert that they are no longer associated with this account as it has been sold to Triverity Connector, the collection agency.

  Business Response

  Date: 04/16/2024

  Response to BBB Complaint ********************* # ********:
  We have mailed documentation to this consumer including a copy of this agreement which confirms we do have permission to obtain this members personal information that has been provided by the creditor.
  TriVerity does not credit report on behalf of our clients.The consumers tradeline is not reporting from TriVerity. Any issue with how the account is being reported needs to be addressed with the creditor directly,Wings Financial Credit Union. 

• Initial Complaint

  Date:09/05/2023

  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 with this debt with United ********************* I do not have a contract with TriVerity **** they did not provide me with the original contract as I requested.

  Business Response

  Date: 09/06/2023

  In Response to BBB Complaint ID # ********:
  ********************** does not report consumer obligations of our clients to any credit bureaus.  If there is an issue with a credit bureau trade line, the consumer would need to contact the creditor directly.
  Our records show no communications from this consumer since June 09, 2023. On this date, the consumer did not request documentation proving the debt and resolved his obligation with the creditor.
  Please contact your creditor with any further questions regarding this matter. 

• Initial Complaint

  Date:06/19/2023

  Type:Sales and Advertising 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 had a balance of $1,454.78. I paid $484.82 on April 18th of 2023. I paid the remainder of the balance of $969.96 on May 2nd of 2023. I attempted to contact the company and in return heard nothing. I contacted the company I had the debt from and they told me to take it up with Triverity. My credit report keeps going up in the amount I owe. That isnt right as I gave the company $1,454.78 to resolve my debit. All other debt collectors have fixed my debt.

  Business Response

  Date: 06/20/2023

  TriVerity does not credit report on behalf of our clients.  The consumers trade line is not reporting from TriVerity.  Any issue with how the account is reporting needs to be addressed with the creditor that is reporting the trade line.
  The consumer did contact our office on May 25, 2023 by email.  Our representative did attempt phone contact with the consumer the same day. The representative had to leave a voice mail message.  There was no return call from the consumer.
  Our records show no other communications from this consumer since May 25, 2023.
  Please contact your creditor with any further questions regarding this matter. 

• Initial Complaint

  Date:01/20/2023

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 01/19/2023, a man named ********************* called my office phone line regarding a debt that I supposedly owe. This was completely inappropriate, and harassment by debt collectors is illegal in *********. My employer does not allow me to receive or make personal calls, and I refuse to pay a debt to this company that has not been able to verify that this debt is mine, and whom I have never entered a contract with.

  Business Response

  Date: 01/25/2023

  Our company has not harassed this consumer or took any action deemed inappropriate. Upon being advised to not call her place of employment, we updated our records and have since marked the telephone number and account as ceased. This is our first communication from this consumer and have informed our client that this account is being disputed and as a full cease. We have mailed the dispute verification to the consumers residence in receipt of her written dispute.

  Customer Answer

  Date: 01/26/2023

   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.

• Initial Complaint

  Date:01/13/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They called me and had my ssi number and said I charged a big amount on something wouldn't give me much info I didn't charge whatever they are talking about and they hung up on me

  Business Response

  Date: 01/18/2023

  We are unable to locate the consumers business matter in our office. Please call our tollfree number at ************ and ask to speak with a representative.  Thank you

  Customer Answer

  Date: 01/20/2023

   I am rejecting this response because:
  
  
  

• Initial Complaint

  Date:09/12/2022

  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 Altra federal credit union and do not have and contract with convergent. They did not provide me with original application like I requested.

  Business Response

  Date: 09/14/2022

  TriVerity **** has not received a request from this consumer for documentation. Rather the consumer disputed the debt through e-***** and our client responded to the consumers dispute.  We have had several conversations with the consumer, and this is the first time the consumer has stated he is not liable for the debt.
  TriVerity is not credit reporting this debt and does not credit report on behalf of our clients.
  This complaint is being considered the consumers written dispute and we will be providing documentation directly to the consumer.

  Customer Answer

  Date: 09/15/2022

   I am rejecting this response because:
  
  I never signed an contract with tri verity when I reached out to altar the forwarded my information to them  

  Business Response

  Date: 09/16/2022

  TriVerity is in agreement with the consumers statement of never signing a contract with TriVerity.   TriVerity does not have a contract with this consumer.  TriVerity is not in the business of having contracts with consumers.  We would like to ask the consumer to phone in to discuss his concerns with his representative in our office. ************

  Customer Answer

  Date: 09/16/2022

   I am rejecting this response because:
  
  In accordance with the fair credit report act convergent account #******xxxx, has violated my rights.

  15 U.S.C section 602 A states I have the right to privacy 

  15 U.S.C **** section 604 A section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions.