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ComplaintsforTrueAccord Corp.
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Complaint Details
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Initial Complaint
08/08/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with ******, I do not have a contract with TrueAccord Corp, and they did not provide me with the original contract as requested.Customer response
08/09/2024
I do not owe debt to TrueAccord, I do not owe this debt to ****** which is reporting a collection account on my credit report and hindering me from buying a house for my family. Please remove this account from my credit report immediately.Business response
08/16/2024
On August 9, 2024, TrueAccord Corp. received the BBB complaint you filed. 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 your contact information, with us and we loaded it into our system on February 11, 2023.
On February 13, 2023, TrueAccord sent you 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 you to learn more information about your federal rights.
In March of 2023 you contacted our office and established a payment arrangement, which you completed in February of 2024. TrueAccord sent you an email confirming you had resolved the account on February 9, 2024
Please note that TrueAccord does not credit report for this creditor, 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 8 a.m. and 7 p.m. CT seven days a week.
In the process of investigating this complaint, we reached out to ******. ****** provided the following information:
******'s records indicate that loan 0IO6-H1AA was processed on August 8, 2022, for a purchase with the merchant, VRBO, in the amount of $884.70. This loan has terms of 15.99% Annual Percentage Rate (APR) and 12 monthly payments of $80.27 due on the 8th of each month. There was one payment of $80.27 processed on September 8, 2022. This loan did not receive payments for 120 days after this payment was made and was charged off on February 6, 2023 to ******’s third party collections agency, TrueAccord.
****** encourages all customers to make payments on or before the scheduled due date. Ms. Tolbert won’t incur any late fees, but late payments may impact her ability to take out future loans with ******. If her payment is 30 or more days overdue some loans may be reported to Experian as delinquent. If payments are more than 120 days overdue, we reserve the right to refer her loan to our third-party collection partners. Once a loan has been charged off, the charge off status is irreversible.
****** received 2 FCRA disputes on January 4, 2024 and March 6, 2024. After investigation, we found the loan to be reporting accurately in each dispute.
Ms. Tolbert submitted 3 credit reporting disputes to ****** on August 4th, 7th and 14th, 2024. ****** found the loan to be reporting accurately in the disputes submitted on August 4th and 7th, 2024.
Please note that to this date, Ms. Tolbert did not report unauthorized activity to ****** directly. However, ******’s Account Safety team opened an unauthorized activity investigation into the account on August 15, 2024. After review, ****** ruled in Ms. Tolbert’s favor and informed her of the resolution via email. We have taken the appropriate steps to ensure that loan 0IO6-H1AA was removed from her credit report. Please allow 3-5 business days for this update to reflect on her credit report.
In the event she has any further questions or concerns, we encourage her to reach out to https://helpcenter.******.com/s/contact-us.Initial Complaint
08/05/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
They are trying to collect money they say we owe to ***... which we do not. Have been emailing for months and won't stop. Can you help make them go away!Business response
08/16/2024
On August 6, 2024, 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 January 9, 2024.
On January 12, 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.
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.
If the consumer has any more questions about the account, we suggest they contact the current creditor directly. Thank you.Initial Complaint
08/04/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
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 original contract as I requested.Customer response
08/05/2024
I am not liable for this debt with ******* inc, I do not have a contract with TRUEACCORD Corporation, they did not provide me with original contract as I requested.Business response
08/14/2024
On August 6, 2024, 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 May 24, 2024.
On May 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 the consumer to learn more information about your federal rights.
TrueAccord has processed this complaint as a dispute. Please note, TrueAccord reported this account to the credit bureaus on July 28, 2024. As a result of this dispute, TrueAccord has requested that the tradeline be removed from the credit report. It typically takes around 45 days for the credit report to be updated by the credit bureaus. If you have additional questions regarding credit reporting, we suggest you reach out directly to the credit reporting agencies.
As a final note, the current creditor notified TrueAccord that the account was resolved on August 5, 2024. If you have any more questions about the account, we suggest you contact the current creditor directly. Thank you.
Initial Complaint
07/29/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
The information on this account is not consistent or accurate across all three credit bureaus 15 USC 1681 A letter was not provided from original creditor as I requested and I have no contract with TRUEACCORD CORPORATION 15 USC 1692g I have been being harassed via phone and email by TRUEACCORD CORPORATION 15 USC 1692c I demand this account be removed from my credit reportBusiness response
08/08/2024
On July 30, 2024, TrueAccord Corp. received the BBB complaint filed by ****** ****** (“consumer”). TrueAccord has not heard from the consumer prior to this complaint. 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 May 21, 2024.
On May 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. Please note, we do not have a current address for the consumer on file. In order for the consumer to receive the verification documents, please reach out to [email protected] or by phone at ***** ******** to provide an updated address.
TrueAccord reported this account to the credit bureaus on July 13, 2024. As a result of this dispute, TrueAccord has requested that the tradeline be removed from the 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 [email protected] or by phone at ***** ********. Thank you.
Customer response
08/09/2024
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
07/22/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I am not liable for this debt with 11 ******* ***** Communications. I do not have a contract with TRUE ACCORD CORPORATION they did not provide me with the original contract as I requestedBusiness response
08/01/2024
On July 24, 2024, 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 February 6, 2024.
On February 7, 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.
Please note that the current creditor provided the last three billing statements for your review (attached to this response). If you believe that this account is not yours, then the current creditor advises you to complete their fraud affidavit which can be found on their website (****************) or contact the Comcast Customer Security Assurance at ###-###-####.
As a final note, TrueAccord reported this account to the credit bureaus on May 12, 2024. As a result of this dispute, TrueAccord has requested that the tradeline be removed from the credit report. It typically takes around 45 days for the credit report to be updated by the credit bureaus. If you have additional questions regarding credit reporting, we suggest you reach out directly to the credit reporting agencies.
If you have any more questions, you can contact us via email at [email protected] or by phone at ***** ********. Thank you.
Customer response
08/01/2024
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
07/22/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
On 06/22/2024, I received a text from TrueAccord regarding a debt that i can amend online through a link. I did not receive an email, phone call, or any other communication. To somebody who owes no debt, this was a shock. I called the business and they informed me of two accounts with my phone number. Neither of them were me, confirmed by the representative. This could have been prevented by TrueAccord.Customer response
07/23/2024
This is not from a template. I received a suspicious link via text from TrueAccord. I reached out to them after doing research and let them know that I owe no debt. The representative informed me that there were two(2) accounts with my phone number and took my phone number off of them. Debt collection agencies should not be able to just send a link via text to someone without first ensuring it is the right person.Business response
07/26/2024
On July 24, 2024, TrueAccord Corp. received the BBB complaint filed by Joseph Perry (“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.
As the consumer states that this is not their account, TrueAccord removed the email in question from the account. We appreciate the consumer notifying us of this. The consumer will no longer receive communications from TrueAccord regarding this account. Thank you.Initial Complaint
07/16/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with ******* communitcations. I do not have a contract with TRUEACCORD CORP. They did not provide me with the original contract as i requested.Customer response
07/17/2024
This collection notice appeared on my credit report recently within two to one week ago.I have no Contract with The Collection agency TrueAccord. I Have no knowledge of this account and it does not belong to me. I am not Liable for the Account or the debt with ******* Communications and I demand this collection be removed from my credit report.Business response
07/26/2024
On July 17, 2024, 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 May 15, 2024.
On May 18, 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.
Please note, TrueAccord reported this account to the credit bureaus on July 6, 2024. As a result of this dispute, TrueAccord has requested that the tradeline be removed from the 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
07/11/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I have been getting emails from true accord for a phone company bill originally *******. I do not have nor have I ever had ******* service, I’m unwilling to click a link on an unsolicited email but I want this company to quit harassing me.Business response
07/19/2024
On July 11, 2024, 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 the consumer has advised us that they did not establish this account, we will not contact the consumer about this account again and it is being returned to our client (the current creditor) with a copy of ******* ******* complaint.
We hope that this response thoroughly addresses the consumer’s concerns. Thank you.
Initial Complaint
07/10/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I received an email from TrueAccord saying that I owe money. I haven't received any mail or phone calls. Just an email. They say they have an Oklahoma address on file for me, but I've never lived in Oklahoma. And I have no idea who the creditor is. The link to dispute the claim goes to a *******.com domain, which seems sketchy. I'm worried this is a phishing attempt.Business response
07/17/2024
On July 12, 2024, 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.
Customer response
07/23/2024
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
06/25/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with ******. I do not have a contract with TrueAccord, they did not provide me with the original contract as I requested.Customer response
06/25/2024
I requested the original contracts for the debt from the collection agency. TrueAccord purchased the debt from ******. I have not received any thing from them. I did not sign any contract with TrueAccord.Business response
07/05/2024
On June 27, 2024, TrueAccord Corp. received the BBB complaint you filed. 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 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 this creditor, but ****** as the creditor does. If you have any questions regarding credit reporting or would like to report unauthorized activity, we encourage you to reach out directly to ****** or the credit reporting agencies. You may reach ****** by calling ###-###-#### between the hours of 8 a.m. and 7 p.m. CT seven 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 February 13, 2023.
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 **** ******* ****** Ontario, CA 91762.
As of February 8, 2023 you owed $104.67
Between February 8, 2023 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 $104.67
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.
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.
In the process of investigating this complaint, we reached out to ******. ****** provided the following information:
******’s records indicate that loan ********* was processed on September 25, 2022 in the amount of $139.57 for a purchase with ******** ***** with a 0% APR to be paid over 3 biweekly installments of $34.89. The loan required a downpayment of $34.90 which was paid on September 23, 2022. The loan received no further payments and was subsequently charged off on February 08, 2023.
Upon reviewing his complaint, ****** found no prior communications from him regarding loan liability or requests for loan validation. If *** ****** believes this loan was unauthorized, he is encouraged to contact ****** directly to enable a comprehensive investigation to be completed with the benefit of his input and information. To do so, he can call in at ###-###-#### from 7 a.m. to 10 p.m. Central Time, seven days a week or by completing the form on their Help Center at ****************
At this time, a case has been escalated on your behalf to the Account Safety Team. He can expect a response within 30 days.
Until ****** is able to determine whether or not this loan was unauthorized, he remains responsible for repayment of this loan.
For his convenience, the loan documents have been attached to this response. Together these documents provide the validation he seeks.
Lastly, loan ********* did not include furnishing and was not reported by ******. For more information regarding reporting please see: ****************
In the event that he has any further questions or concerns, ****** encourages him to reach out to ****** via ****************
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Customer Complaints Summary
318 total complaints in the last 3 years.
143 complaints closed in the last 12 months.