ComplaintsforTrueAccord Corp.
Collections Agencies
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Complaint Details
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Initial Complaint
12/29/2021
- Complaint Type:
- Billing Issues
- Status:
- Answered
This company emailed me claiming that I owe a debt that I do not. They are not licensed to collect debts in Montana. Also, this alleged debt from 2005 is beyond Montana's statute of limitations for debt collection. I have filed a complaint with the state's attorney general's office as they have violated two state laws.Business response
01/12/2022
On December 29, 2021, TrueAccord, Corp. received your BBB complaint. We take every complaint seriously and appreciate the opportunity to address your concerns.
TrueAccord started in 2013 as a collection agency built to fundamentally change collections into a recovery and reconciliation process. One of our guiding principles is treating our consumer-customers with dignity and respect. We are a licensed and bonded agency accredited with the BBB. 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.
On December 12, 2021, the current creditor placed the account and the account’s corresponding contact information into our system for collection. On December 22, 2021, 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 the CFPB website ******************************** to learn more information about your federal rights.
TrueAccord takes compliance very seriously and maintains a license where one is required. For more information about where we are licensed, visit ************************************************************
In regards to your concerns about the account being past the statute of limitations, all outbound emails contain the time-barred debt disclosure that is required by law. While debt collectors and creditors cannot sue a consumer to collect a debt once the applicable statute of limitations has expired, debt collectors are still permitted to collect on the debt through other means so long as the appropriate disclosures are provided.
Based on your desired outcome as expressed in the complaint, TrueAccord processed it as a cease-and-desist request. TrueAccord will no longer contact you regarding this account. If you have any additional questions about the account, we suggest you contact the current creditor directly. Thank you.Initial Complaint
12/28/2021
- Complaint Type:
- Billing Issues
- Status:
- Answered
On Dec. 28, 2021 I received a notice from TrueAccord stating "You have an outstanding balance of $880.22 owed to **** ******* *** (current creditor of your original ******* ******** ******* *********** ******* ***** ******* account)." A collection account # **************** was opened in my name. I have never done business with this company nor ******* ******** *******, I have never purchased ****** ***** ******, and do not have a ****** account associated with the email address this was sent to. About 15 years ago this very same scam was run against me, asserting that I had opened some ****** credit card and accumulated unpaid debts. This "debt collector" has a circular set of lengths that does not allow for dispute of accounts and a support number listed that is disconnected, if it was ever in service at all.Business response
01/10/2022
On December 28, 2021, TrueAccord, Corp. received your BBB complaint. We take every complaint seriously and appreciate the opportunity to address your concerns.
TrueAccord started in 2013 as a collection agency built to fundamentally change collections into a recovery and reconciliation process. One of our guiding principles is treating our consumer-customers with dignity and respect. We are a licensed and bonded agency accredited with the BBB. 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.
On December 11, 2021, the current creditor placed the account and the account’s corresponding contact information into our system for collection. On December 21, 2021, 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 the CFPB website ******************************** to learn more information about your federal rights.
Similar to the initial email, each of our emails to you contains a link to dispute the debt. Our records indicate that you started the dispute process on December 28, 2021 but never finished it. On the same day, you hit the “unsubscribe” button on one of our emails, and your email was successfully removed from the account. We appreciate you taking this step. TrueAccord has not contacted you since December 28, 2021.
On December 29, 2021, a TrueAccord agent was in receipt of your inbound email disputing the account in question. As a result, the agent filed a cease and desist request on the account. TrueAccord will no longer contact you in regards to this account.
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.
As a final note, TrueAccord can always be reached via email at ********************** or by phone at ***** ********. Agent hours are between 7 a.m. and 7 p.m. CST Monday through Friday. If you have any further questions about the account or your attachment to it, we suggest you contact the current creditor directly.
We hope that this response thoroughly addresses your concerns.Initial Complaint
12/27/2021
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I never conducted business with this organization. How did they get my personal information without my consent or authorization? Who are they? They created an account in my name without my consent or authorization. Clearly they are in direct violation of federal law and refusing to follow FCRA and FDCPA rules and regulations. They purposely provided false and inaccurate information about me to others. They were not following FCRA rules. They willfully and knowingly shared my personal information without my knowledge and providing false information about me. They purposely destroyed my great credit, clearly theycmust be stopped.Business response
01/10/2022
On December 27, 2021, TrueAccord, Corp. received your BBB complaint. We take every complaint seriously and appreciate the opportunity to address your concerns.
TrueAccord started in 2013 as a collection agency built to fundamentally change collections into a recovery and reconciliation process. One of our guiding principles is treating our consumer-customers with dignity and respect. We are a licensed and bonded agency accredited with the BBB. 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.
Additionally, TrueAccord follows all relevant laws and regulations regarding collection practices and consent to communicate with consumers. TrueAccord does not sell or share consumer information with third parties. More information about our privacy policy, which complies with all consumer privacy laws, can be found on our website *****************************************.
TrueAccord does not own the account in question and has not claimed to own the account. On September 26, 2021, the current creditor placed the account and the account’s corresponding contact information into our system for collection. On October 7, 2021, TrueAccord sent you an initial email detailing the creditor's name, the amount due, instructions for how the debt could be disputed, and the option to unsubscribe.
Based on your desired outcome as expressed in the complaint, TrueAccord processed a cease-and-desist request on the account in question. TrueAccord will no longer contact you regarding this account.
As a final note, TrueAccord does not report to any of the credit bureaus. If you have any questions regarding credit reporting, we suggest you reach out directly to the current creditor or the credit reporting agencies.
We hope that this response thoroughly addresses your concerns.Initial Complaint
12/21/2021
- Complaint Type:
- Billing Issues
- Status:
- Answered
On December 19, 2021 I received an email from **** *** *************************** stating that I owe a debt of nearly $2700 to ******** Credit Services (account ending in ****). The person with the alleged debt is ***** *******, yet the email was sent to my email address (*****************). I do not owe the debt in question and have demonstrated that TrueAccord failed in its due diligence to validate the alleged debtor's information. I question how TrueAccord can attempt to contact an individual regarding a debt without validating the actual debtor's contact information; then to do it by email presents the appearance of a well-crafted phishing attempt. The debt in question was allegedly written off by ******* and ******** Credit services in August 2012 and February 2013, respectively. I also question the motives behind attempting to collect a 9-year-old debt.Business response
01/04/2022
On December 21, 2021, TrueAccord, Corp. received your BBB complaint. We take every complaint seriously and appreciate the opportunity to address your concerns.
TrueAccord started in 2013 as a collection agency built to fundamentally change collections into a recovery and reconciliation process. One of our guiding principles is treating our consumer-customers with dignity and respect. We are a licensed and bonded agency accredited with the BBB. 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.
As you stated that this is not your account, TrueAccord removed the email address in question from the account. We appreciate you notifying us of this. You will no longer receive communications from TrueAccord regarding this account.
We hope that this response thoroughly addresses the consumer’s concerns.Initial Complaint
12/06/2021
- Complaint Type:
- Billing Issues
- Status:
- Answered
December 6, 2021, TrueAccord contacted me through text concerning an alleged debt. The debt is not mine, however, TrueAccord is emailing information with my name and account: there is not an account number to *********************** (I do not know this person), and mailing information with my name to zip code: ********* (not my address), and there is no way for me to request validation of this debt. I do not owe this company; I request validation of this debt and cease-and-desist as well.Business response
12/20/2021
On December 6, 2021, TrueAccord, Corp. received your BBB complaint. We take every complaint seriously and appreciate the opportunity to address your concerns.
TrueAccord started in 2013 as a collection agency built to fundamentally change collections into a recovery and reconciliation process. One of our guiding principles is treating our consumer-customers with dignity and respect. We are a licensed and bonded agency accredited with the BBB. 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. On November 10, 2021, the current creditor placed the account and the account’s corresponding contact information into our system for collection. On November 11, 2021 TrueAccord sent you an initial email detailing the creditor's name, the amount due, instructions for how the debt could be disputed, and the option to unsubscribe from further email. Additionally, TrueAccord’s SMS provided a link that you clicked on which led you to a page with a “dispute” button.
As a result of this complaint, TrueAccord has unsubscribed the contact information you have stated does not belong to you. TrueAccord also processed your cease and desist request. TrueAccord will no longer contact you in regards to this account.
As for your dispute, TrueAccord also escalated your request for verification of debt to the current creditor. If you have any additional questions or concerns, we suggest contacting the current creditor directly. They will need your correct mailing address to be able to mail you the requested verification of debt.
We hope to have thoroughly resolved your concerns.Initial Complaint
11/30/2021
- Complaint Type:
- Billing Issues
- Status:
- Answered
TrueAccord collection agency keeps sending emails about an account that I have never opened. Trying to get me to set up a payment plan. I have checked my credit report and this is not on it. I would like to be removed from this collection.Business response
12/23/2021
On November 30, 2021, TrueAccord, Corp. received your BBB complaint. We take every complaint seriously and appreciate the opportunity to address your concerns.
TrueAccord started in 2013 as a collection agency built to fundamentally change collections into a recovery and reconciliation process. One of our guiding principles is treating our consumer-customers with dignity and respect. We are a licensed and bonded agency accredited with the BBB. 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 and has not claimed to own the account. On September 25, 2021, the current creditor placed the account and the account’s corresponding contact information into our system for collection. On October 5, 2021 TrueAccord sent you an initial email detailing the current creditor, the amount due, instructions for how the debt could be disputed, and the option to unsubscribe.
On December 1, 2021, TrueAccord was in receipt of your dispute via email. On the same day, a TrueAccord agent filed the dispute, paused account activity and notified the current creditor of the same. The TrueAccord agent also responded to your email notifying you of the same.
As you have stated you would like to be “removed from this collection,” TrueAccord has removed your email address from receiving further email from us about this account. If you would like to take any further action on the account, please contact us via email at ********************** ** ** ***** ** ***** ********.
As a final note, TrueAccord does not report to any of the credit bureaus. If you have questions regarding credit reporting, we suggest you reach out directly to the current creditor or the credit reporting agencies.
We hope that this response thoroughly addresses your concerns.Initial Complaint
11/22/2021
- Complaint Type:
- Billing Issues
- Status:
- Answered
This is a debt I have never had or even heard of and to top it off it a debt back from 2007. I have never heard of this company nor has it ever been on my credit report because I just paid all that off. I tried to dispute this but it goes directly over to a payment screen. NO!!!! not what I want. There is a phone number to call to dispute I have called it several times and tells me the number is disconnected!Business response
12/16/2021
On November 22, 2021, TrueAccord, Corp. received your BBB complaint. We take every complaint seriously and appreciate the opportunity to address your concerns.
TrueAccord started in 2013 as a collection agency built to fundamentally change collections into a recovery and reconciliation process. One of our guiding principles is treating our consumer-customers with dignity and respect. We are a licensed and bonded agency accredited with the BBB. 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. On September 27, 2021, the current creditor placed the account and the account’s corresponding contact information into our system for collection. On October 13, 2021 TrueAccord sent you an initial email detailing the creditor's name, the amount due, instructions for how the debt could be disputed, and the option to unsubscribe from further email. Please note that all contact information that TrueAccord has used was provided to us by the current creditor at the time when this account was placed with us.
As mentioned above, each of our emails contains a link to dispute the debt. Our records indicate that you started the dispute process, but never finished it. On November 17, 2021, we sent you an email about this, explaining that you started but did not finish the process of filing a dispute and we advised you on how to proceed. Despite this, our records show that the dispute process was never completed by you. Please note that our records indicate that you did not complete the dispute form online. Additionally, TrueAccord does not have a record of any calls from you.
On November 18, 2021, a TrueAccord agent was in receipt of an email from you asking what the account is for and when it’s from. The TrueAccord agent responded with the requested information. TrueAccord received this complaint a few days later.
On November 23, 2021, as a result of this complaint, TrueAccord processed your dispute on the account, paused collection activity, and notified the current creditor of the same. Debt verification will be mailed to the address on file.
Regarding your concerns about the age of the account, all our outbound emails to you about this account contain the time-barred debt disclosure that is required by law. While debt collectors and creditors cannot sue a consumer to collect a debt once the applicable statute of limitations has expired, debt collectors are still permitted to collect on the debt through other means so long as the appropriate disclosures are provided.
Based on your desired outcome that we stop contacting you, TrueAccord has processed this complaint as a cease-and-desist request. TrueAccord will no longer contact you regarding this account.As a final note, please note that TrueAccord does not report to any of the credit bureaus. If you have any questions about credit reporting or the account in general, we suggest you contact the current creditor directly. We hope that this response thoroughly addresses your concerns.
Initial Complaint
11/19/2021
- Complaint Type:
- Billing Issues
- Status:
- Answered
On nov. 18, 2021, my checking account was charged $70 by trueaccord, a collection agency. I have never been in touch with this agency or know how thay have my banking info in order to charge me with this amount. How do I get a refund and how did this agency get my information?Business response
12/02/2021
On November 20, 2021, TrueAccord, Corp. received your BBB complaint. We take every complaint seriously and appreciate the opportunity to address your concerns.
TrueAccord started in 2013 as a collection agency built to fundamentally change collections into a recovery and reconciliation process. One of our guiding principles is treating our consumer-customers with dignity and respect. We are a licensed and bonded agency accredited with the BBB. 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 TrueAccord does not credit report to the credit bureaus.
TrueAccord cannot find an account in our system that matches the information provided by you in this complaint. If you believe you have an account with us, we need additional details to find the account such as the email address or your TrueAccord account number. We ask that you please contact us directly via email at ********************** or by phone at ***** ******** so that we may quickly address your concerns. Thank you.Initial Complaint
11/16/2021
- Complaint Type:
- Billing Issues
- Status:
- Answered
I've had two accounts with this company the first one I paid off everything was great the next month my debt was reported as paid and fell off my credit. The second one I paid off and they never reported it I emailed them, wanting a receipt for who this account was for that I paid off so I can contact them to have it removed. They said they report it 30 days after its paid. I had contacted them over 30 days after it was paid and still wasn't reported. They just kept telling me that they are no longer taking payments on accounts and they will report it. They still have not reported or sent me info so I can get in contact with who I need to to get this settled and removed from my credit.Business response
12/02/2021
On November 16, 2021, TrueAccord, Corp. received your BBB complaint. We take every complaint seriously and appreciate the opportunity to address your concerns.
TrueAccord started in 2013 as a collection agency built to fundamentally change collections into a recovery and reconciliation process. One of our guiding principles is treating our consumer-customers with dignity and respect. We are a licensed and bonded agency accredited with the BBB. 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.
As a friendly reminder, please note that TrueAccord does not report to any of the credit bureaus. If you have questions regarding credit reporting, we suggest you reach out directly to the current creditor or the credit reporting agencies.
TrueAccord has had at least three of your accounts in our system for collection; however, please note that none of these accounts are still in our system for collection as they have all been removed from our system by the current creditor. TrueAccord does not own any of the accounts.
In regards to the account with the original card number ending in **** (which we believe is the “second” account you referred to in your complaint), you resolved this account on September 24, 2021. TrueAccord reported this to the current creditor on September 28, 2021. As part of a regular course of business, the current creditor pulled the account from our system on October 26, 2021.
We hope to have thoroughly addressed your concerns. If you have additional questions about the account, we suggest reaching out directly to the current creditor. Thank you.Initial Complaint
10/29/2021
- Complaint Type:
- Billing Issues
- Status:
- Answered
I got an email from TrueAccord stating I have an outstanding balance of $728.47 with **** ******* *** (current creditor of your original ******* ******** ******* *********** *** ****** ********* account). I have never heard of the above company or owe that amount. They have failed to contact me via mail on that debt.Business response
11/12/2021
On October 29, 2021, TrueAccord, Corp. received your BBB complaint. We take every complaint seriously and appreciate the opportunity to address your concerns.
TrueAccord started in 2013 as a collection agency built to fundamentally change collections into a recovery and reconciliation process. One of our guiding principles is treating our consumer-customers with dignity and respect. We are a licensed and bonded agency accredited with the BBB. 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. On September 24, 2021, the current creditor ***** ******* **** placed the account and the account’s corresponding contact information in our system for collection. On September 30, 2021, TrueAccord sent you an initial email detailing the creditor, amount due, how the debt could be disputed, and the option to unsubscribe. Aall of our emails to you contained a link to unsubscribe yourself from further email communications.
Please note that the Consumer Financial Protection Bureau (CFPB) stated in Regulation F that debt collectors may email information about a debt--rather than sending it by post mail--if it is the first communication with the consumer. As stated above, our first communication with you was via email.
As part of a regular course of business, the current creditor pulled the account from our system on November 3, 2021. As an additional measure, TrueAccord has removed your email address from the account. TrueAccord will no longer contact you in regards to this account.
We hope to have thoroughly addressed your concerns. If you have any further questions about the account, we suggest contacting the current creditor directly. Thank you.
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Customer Complaints Summary
320 total complaints in the last 3 years.
145 complaints closed in the last 12 months.