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Business Profile

Collections Agencies

TriVerity, Inc.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

Customer Complaints Summary

  • 12 total complaints in the last 3 years.
  • 3 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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.

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Complaint status

Complaint type

  • Initial Complaint

    Date:10/16/2024

    Type:Billing Issues
    Status:
    Answered
    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:
    Answered
    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:
    Answered
    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:
    Answered
    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:
    Answered
    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:
    Resolved
    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:
    Answered
    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:
    Answered
    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. 

TriVerity, Inc. is NOT a BBB Accredited Business.

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