|
11813325
|
2025-01-28
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
TrueAccord Corp.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2025-01-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-28
|
|
|
11696696
|
2025-01-23
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
TrueAccord Corp.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Credit card debt
|
| Date Received |
2025-01-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-23
|
|
|
11306498
|
2024-12-28
|
Electronic communications
|
Debt collection
|
|
| Issue |
Electronic communications
|
| Timely |
Yes
|
| Company |
TrueAccord Corp.
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated messages
|
| Sub Product |
Private student loan debt
|
| Date Received |
2024-12-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-28
|
|
|
11324540
|
2024-12-30
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
TrueAccord Corp.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
I do not know
|
| Date Received |
2024-12-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-30
|
|
|
11332426
|
2024-12-31
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
TrueAccord Corp.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
I do not know
|
| Date Received |
2024-12-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-31
|
|
|
10483758
|
2024-10-18
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
TrueAccord Corp.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2024-10-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-18
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10517642
|
2024-10-20
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
TrueAccord Corp.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Credit card debt
|
| Date Received |
2024-10-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-20
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7142373
|
2023-06-20
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
TrueAccord Corp.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Credit card debt
|
| Date Received |
2023-06-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-20
|
| Complaint What Happened |
Today, I received an email from a company called TrueAccord Corp, a debt collector trying to collect a debt to XXXX XXXX XXXX. I clicked on the email to find that the debt is for {$130.00} and the original creditor was XXXX XXXX with an account number ending in XXXX. The address they have on file is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I have never lived there nor have I had that account or any accounts go into collections in 2015. I am not sure if this is a mistake or if I am being targeted for identity theft so I have been afraid to contact them and give them my personal information.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11025139
|
2024-12-04
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
TrueAccord Corp.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Other debt
|
| Date Received |
2024-12-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-04
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5412066
|
2022-04-06
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
TrueAccord Corp.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Credit card debt
|
| Date Received |
2022-04-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-04-06
|
| Complaint What Happened |
Company, TrueAccord, is trying to collect on a zombie debt of {$8300.00} with XXXX XXXX XXXX ( current creditor of your original XXXX ( South Dakota ), XXXX. ( XXXX XXXX XXXX ) account ) despite the fact that this debt is way past the statute of limitations by XXXX years. I responded months ago, disclaiming this debt and demanded they cease harassing me. They have not.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6738075
|
2023-03-23
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
TrueAccord Corp.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2023-03-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-24
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
On my credit report, I saw a negativeaccountfrom XXXX XXXX, I went ahead and contacted the creditor, but I never receivedany responses. I went ahead and filed a complaint with CFPB, which then I finallyreceived a responsefrom them. In their response they failedto provide the proof that the account belongs to me. They failed to prove that I saw the trueowner of said debt. Insteadthey informedme that this alleged debt was now sold to a third party collection agency, untildate I have never receivedany communicationfrom them that the account was sold. I also never receivedany communication from Ture Accord ( the company XXXXsaid they sold the debt to ) that is a violationof federal law.I can assumethat both XXXXand TrueAccord know that under federal law they are required to inform the alleged person that the debt is being sold and that that person has 30 day to validate the debt, I have never receivedany of that communication.
Becausenow XXXX and TrueAccord are in violation of federal law I am requesting this false account be removed from my credit report immediatelyas it does not belong to me.
This is no way that a XXXX XXXX XXXX, XXXXXXXX XXXX all parties involved should be ashamed of themselves
|
| Consumer Consent Provided |
Consent provided
|
|
|
10980977
|
2024-11-30
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
TrueAccord Corp.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-30
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
XXXX XXXX XXXX says I have a collection of {$790.00} that is false. I called XXXX and I was told it wasn't me and it would be fixed.Few days later the collection from XXXX XXXX XXXX was REMOVED.
Then I recieved a call from XXXX XXXX XXXX threatening to put the collection on my XXXX ... A few days later the same collection that XXXX removed because it was not my collection founded by XXXX after completing their investigation. The Company XXXX XXXX XXXX calls me the next day making threats to put the collection back on my XXXX ... in a few day later it was back on my XXXX.remember it started at XXXX.I disputed it 10 times then it was removed..then XXXX XXXX XXXX ADDED IT TO MY XXXX.ITS BEEN A BACK AND FORTH WITH THIS COMPANY FOR YEARS NOW. NOW THEY SENT ANOTHER COMPANY BY THE NAME TRUE ACCORD CORP.. THEY'RE HARASSING ME WITH EMAILS AND CALLS.
THIS has got to be illegal..I want to sue for all these yrs my credit score being affected due to this company and their fraud ways
|
| Consumer Consent Provided |
Consent provided
|
|
|
4234495
|
2021-03-22
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
TrueAccord Corp.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue you for very old debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2021-03-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-03-22
|
| Complaint What Happened |
Hello, this is a very old debt that originated with XXXX XXXX. When I opened the account with XXXX XXXX, I opted for their payment protection plan. In XX/XX/XXXX, my business completely tanked and I could not afford to make payments, so I requested that the payment protection plan I paid for be used.
XXXX XXXX did not apply this to my account because they started an extremely aggressive collection effort which was, for all intents and purposes, an assault on my phone. They called constantly from morning to night using different numbers and demanded that I give them a debit card number for a payment plan. The people that called were possibly in XXXX and using robot dial machines located in XXXX and other small, obscure cities through out Georgia.
Apparently, at some point within the last year or so, XXXX XXXX sold the debt to XXXX XXXX. Now XXXX XXXX is taking the helm with a constant barrage of emails and phone calls. Many of the emails are peppered with threats of legal action. I also have a recent voicemail from them threatening legal action.
The amount of the debt XXXX XXXX states in their emails is {$1400.00} and they say it is owed to a company called XXXX XXXX. The emails come from many different screen names. In the emails, XXXX XXXX is listed as the origin of the debt. This activity does not show up on my credit report.
What does show up on my credit report is a collections action started in XX/XX/XXXX by XXXX XXXX for the amount of {$1100.00}. They list XXXX XXXX as the origin of the debt.
I am also disputing this with the credit bureaus via XXXX XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5701015
|
2022-06-23
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
TrueAccord Corp.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Credit card debt
|
| Date Received |
2022-06-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-23
|
| Complaint What Happened |
I received an email from a company called TrueAccord. According to their email their contact information is support@trueaccord.com, phone number XXXX and their mailing adddress is XXXX XXXX XXXX XXXX XXXX XXXX XXXX ks XXXX. They emailed my email address which is XXXX with information about my sister XXXX XXXX owing a debt to XXXX XXXX XXXX with the amount owed of XXXX. This is a violation of the FDCPA, not only did they send this information to the wrong party, they disclosed amounts and dates of the debt, possibly to try and embarass my sister.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6630169
|
2023-02-28
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
TrueAccord Corp.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2023-02-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-28
|
| Complaint What Happened |
I have never lived at the Adress associated with this account because it is not mine, as I am a victims of identity theft as the result of a burglary. In XX/XX/XXXX, my hotel room was robbed while I was sleeping and I was also assaulted physically and XXXX. At that time, I lost my wallet which contained my social security identification card, drivers license, all my credit and debit cards, and my XXXX XXXX University card which had my old university email address on it. I graduated so I no longer check this email regularly so I didnt notice that TrueAccord had opened a collections account in my name until XX/XX/XXXX, at which point I immediately disputed the debt and filed an identity theft report. Its been over 2 months and I have yet to hear back from true accord on my request for deletion of this account and removal of all negative reporting to credit bureaus.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10480347
|
2024-10-16
|
Electronic communications
|
Debt collection
|
|
| Issue |
Electronic communications
|
| Timely |
Yes
|
| Company |
TrueAccord Corp.
|
| Product |
Debt collection
|
| Sub Issue |
Used obscene, profane, or other abusive language
|
| Sub Product |
Credit card debt
|
| Date Received |
2024-10-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-16
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10833996
|
2024-11-18
|
Didn't provide services promised
|
Debt or credit management
|
|
| Issue |
Didn't provide services promised
|
| Timely |
Yes
|
| Company |
TrueAccord Corp.
|
| Product |
Debt or credit management
|
| Sub Product |
Debt settlement
|
| Date Received |
2024-11-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-18
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I am writing to formally lodge a complaint against True Accord, a debt collection agency, regarding a series of payments I made to settle my balance owed to XXXX. Despite making all required payments and clearing my balance in XX/XX/2024, XXXX has informed me that they have not received the final payment of {$130.00}.
I have attached receipts for all three payments I made to True Accord as evidence of my compliance with the agreed-upon payment plan. These receipts clearly demonstrate that I fulfilled my financial obligation to settle the debt. However, XXXX continues to report that they have not received the final payment from True Accord.
When I contacted True Accord to address this discrepancy, I was told that they would investigate the matter and call me back. Unfortunately, I have not received any follow-up communication or clarification from their team, despite reaching out several times. It is now XXXX, and the situation remains unresolved.
This delay and lack of transparency have caused me significant frustration and concern. I am left questioning whether True Accord has misappropriated my funds or is neglecting their obligation to forward the payment to XXXX.
I kindly request your assistance in investigating this matter. Specifically, I am seeking : 1. Confirmation of whether True Accord has transferred my final payment of {$130.00} to XXXX.
2. An explanation for the delay in resolving this issue.
3. Assurance that my payments are being handled properly and that any discrepancies will be rectified promptly.
I appreciate your time and attention to this matter. Please feel free to contact me at XXXX or XXXX if you require additional information or documentation. My account number with XXXX is ( XXXX ) Thank you for your support in ensuring a fair resolution to this issue.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1204779
|
2015-01-22
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
TrueAccord Corp.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to take legal action
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2015-01-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-01-27
|
| Consumer Consent Provided |
N/A
|
|
|
11065953
|
2024-12-08
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
TrueAccord Corp.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Telecommunications debt
|
| Date Received |
2024-12-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-08
|
| Complaint What Happened |
I have a collections account for XXXX XXXX on my XXXX credit report and I have no knowledge of this account. I have never had a XXXX XXXX account. I disputed the account with XXXX. They denied my dispute and in that dispute I put that the address that they have associated with this account does not belong to me and that I have never lived the address that is stated so due to the information that they have on file being incorrect and not belonging to me I would like to have this collections and account removed from my credit report indefinitely. I I received an email from the collections agency about two months ago and I disputed it with them and I have not received any correspondence from them about it. The collection agency is true accord.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10154714
|
2024-09-17
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
TrueAccord Corp.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Credit card debt
|
| Date Received |
2024-09-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-17
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10518349
|
2024-10-20
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
TrueAccord Corp.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Credit card debt
|
| Date Received |
2024-10-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-20
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10118816
|
2024-09-13
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
TrueAccord Corp.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Telecommunications debt
|
| Date Received |
2024-09-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-13
|
| Complaint What Happened |
I am a victim of identity theft.someone used my stolen information to obtain a service with XXXX XXXX XXXX. The amount is sent to collection for the amount of XXXX. I had already frozen my account during that time. I had even contacted XXXX XXXX XXXX about the suspected fraud on my account during that time because I see an inquiry from XXXX XXXX XXXX on my credit report but they said they dont see it. Please help me and the fraud department is not responding.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4500921
|
2021-06-29
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
TrueAccord Corp.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2021-06-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-06-29
|
| Complaint What Happened |
Last year my email account was hacked. When i changed the password and regained control, i began recieving bills in the amount of {$160.00} from XXXX about a power XXXX ticket. I contacted XXXX XXXX and spoke to their management to inform them that the ticket doesn't belong to me, my email was hacked, and none of the information on the profile is mine. XXXX XXXX management assured me that it would be dismissed. Now some time after, True Accord is harrassing me for the same {$160.00} that i don't owe, i sent a debt verification letter and they sent me a document with the wrong name, wrong address, only proper email ; Not to mention they responded later than 30 days which would cause the debt would be deemed void ; attempting to collect a debt that isn't mine with the wrong information. I'd like the company to stop harrassing/threatening me and my credit, dismiss that fee as management said because they understood it had nothing to do with me on my part. True Accord doesnt have any documentation with my signature connecting me to any agreement from the original creditor.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8320710
|
2024-02-10
|
Electronic communications
|
Debt collection
|
|
| Issue |
Electronic communications
|
| Timely |
Yes
|
| Company |
TrueAccord Corp.
|
| Product |
Debt collection
|
| Sub Issue |
Contacted before 8am or after 9pm
|
| Sub Product |
Telecommunications debt
|
| Date Received |
2024-02-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-10
|
| Complaint What Happened |
This collector has attempted to contact me on or before XXXX on several occasions. They can not prove the amount they are attempting to collect. They are unwilling or unable to produce the original contract with my wet signature to prove the validity of the debt. The alleged debt is more than XXXX XXXX XXXX and is inaccurate. The amount owed has been disputed on multiple occasions, they are working in conjunction with XXXX, a know serial violator, infamous for their abuse of process. Hiring several debt collectors over time to collect the same erroneous debt. They are misrepresenting material facts and showing incorrect data.
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| Consumer Consent Provided |
Consent provided
|
|
|
10056106
|
2024-09-07
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
TrueAccord Corp.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2024-09-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-07
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
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| Complaint What Happened |
TRUE ACCORD sent me a message that I owe them and XXXX XXXX when in fact I owe only {$0.00} cents! I tried to pay the amount in affirm on XX/XX/2024 multiples time but they blocked my account. I called customer service of affirm but even them cant help me.
Cc US Attorney General XXXX XXXX NY GOV XXXX XXXX NY DFS NYC DA XXXX XXXX
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| Consumer Consent Provided |
Consent provided
|
|
|
6898224
|
2023-04-28
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
TrueAccord Corp.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Credit card debt
|
| Date Received |
2023-04-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-28
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
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| Complaint What Happened |
Please refer to attached Debt Validation letter.
As per XXXX XXXX XXXX # XXXX, my debt validation letter was delivered to True Accord on XX/XX/2023. It passed the 30 days timeframe allowed by FCRA. So they're already in violation of 15 USC 1692g. They're collecting on behalf of XXXXXXXX XXXX.
On my letter, I advised that they are allowed 30 days from date of reciept of letter to comply with my debt validation request otherwise, I want this account ceased & desist. I also want this Account DELETED off my consumer report. Its passed the timeframe.
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| Consumer Consent Provided |
Consent provided
|
|
|
6830677
|
2023-04-13
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
TrueAccord Corp.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2023-04-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-13
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6763799
|
2023-03-28
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
TrueAccord Corp.
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
I do not know
|
| Date Received |
2023-03-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-28
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
The company is engaging in improper debt collection practices. True Accord Corp has been calling, emailing, and texting me consistently since XX/XX/2022, with misleading captions of being a personal contact, such as " Let 's reconnect '' and stating they have " important information for me ''.
I have never created or verified an account with this company and do not know what they are contacting me for as I have not given them permission to contact me by any of the methods detailed above.
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| Consumer Consent Provided |
Consent provided
|
|
|
10732966
|
2024-11-08
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
TrueAccord Corp.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2024-11-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-08
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Subject : Formal Debt Validation Request Pursuant to 15 U.S.C. 1692g Re : Account Number XXXX Dear TrueAccord Corp, This letter serves as a formal request for validation of the above-referenced account, as permitted under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ). I respectfully request that you provide documentation to substantiate this debt and confirm the legal right to collect on it. Specifically, I request the following : Verification of Debt : Under 15 U.S.C. 1692g, I request a detailed account statement validating the nature of the alleged debt, including the original creditors name and any substantiating documents, statements, or other records that confirm the balance claimed. Please also provide the assignment contract between TrueAccord Corp and the original creditor that permits you to collect on this account.
2. Proof of Reporting Accuracy ( 15 U.S.C. 1681i ) : As per the Fair Credit Reporting Act, I request that you provide detailed evidence showing the accuracy of the information reported to the credit bureaus. I am also requesting that this account be removed from my credit report should your investigation find any discrepancies or a lack of substantial proof for this debt. Under XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the credit reporting agency and information furnisher bear a responsibility for ensuring the accuracy of reported information.
3. Responsibility of Furnishers of Information to Credit Reporting Agencies ( 15 U.S.C. 1681s-2 ) : This code mandates that information furnishers report accurate information. In line with these obligations, I request an itemized and accurate history of the reported account, including all payment history, fees, interest, and additional charges applied. As established in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), inaccuracies that are not promptly corrected by the furnisher may be grounds for removal.
4. Prompt Correction and Blocking of Incorrect Information ( 15 U.S.C. 1681c-2 ) : If TrueAccord can not validate the legitimacy of this debt with concrete evidence, I respectfully request the prompt deletion of this collection account from my credit report as per 15 U.S.C. 1681c-2, which calls for the blocking of disputed or erroneous information.
To ensure thorough validation, please include copies of the following documents : The original agreement/contract that initiated this debt, bearing my signature, as well as proof of assignment to your agency.
Any and all documentation related to this debt, as required under the FDCPA and FCRA to validate ownership and the accuracy of information shared with the credit bureaus.
Failure to validate this debt according to the standards required under the FDCPA, FCRA, and applicable case law should result in the cessation of reporting on my credit file. Should you continue reporting unverifiable information, I will pursue further steps to enforce my rights under federal consumer protection laws.
Thank you for your cooperation in this matter. I look forward to receiving your response within the 30-day period mandated by law. Please send all correspondence to the address listed above.
Sincerely, XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
6885047
|
2023-04-25
|
Fees or interest
|
Credit card or prepaid card
|
|
| Tags |
Older American
|
| Issue |
Fees or interest
|
| Timely |
Yes
|
| Company |
TrueAccord Corp.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Charged too much interest
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2023-04-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-25
|
| Complaint What Happened |
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2022 True Accord, Corp. Collection Agency, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD ALREADY STOPPED BYXXXX XXXX XXXX Dear Sir/ Madam, I am, XXXX XXXX XXXX XXXX XXXX ) United States Citizen, disputing the above- referenced debt. Please verify this debt as required by the Fair Debt Collection practices Act ( FDCPA ) ( section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ). XXXX XXXX XXXX regulations require all debt collectors to send specific written documentation verifying the debt. Under section 2-190 of the Rules of the City of XXXX XXXX , verification requires all the following : * Proof of my agreement to pay the original creditor, * A copy of the final account statement issued by the original creditor, * A breakdown of the total amount due, showing principal, interest, and other charges ; and * For all other charges, the date of and basis for each charge.
* I have been impacted by the Corona virus pandemic * CFPB proposed over the late fee amounts are illegal, XXXX XXXX XXXX is fair and comitative, Only late fee {$8.00} not {$41.00} I DISPUTE THIS DEBIT BECAUSE ( forwarded TWO PAGES LETTER during XX/XX/2022 to XXXX XXXX XXXX. ) Barrowed {$670.00} ( DOLLARS XXXX XXXX ONLY ) from XXXX XXXX XXXX before COVID-19 PANDEMIC and paid total {$1000.00} ( DOLLARS XXXX XXXX XXXX XXXX ONLY ). What you want more than that during PANDEMIC TIME?. Even Land Lords are not collecting Rents from Tenants during PANDEMIC.
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you already reported it, please notify the credit reporting agencies that the debt is disputed and/or delate the tradeline from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit reporting Act.
Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the City of XXXX XXXX ( section 5- 77 ) require that you honor this request. Thank you.
Sincerely, XXXX XXXX SIGNED XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU, 1700G STREET, NW, WASHINGTON D.C.-20552 XXXX XXXX XXXX DEPARTMENT OF CONSUMER AFFAIRS DURING XX/XX/2022 REPLIED TO SEND MORE INFORMATION, AS I WAS WITH MANY MEDICAL PROBLEMS AND XXXX XXXX CONDITIONS COULD NOT REPLIED
|
| Consumer Consent Provided |
Consent provided
|
|
|
6937741
|
2023-05-06
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
TrueAccord Corp.
|
| Product |
Debt collection
|
| Sub Issue |
You told them to stop contacting you, but they keep trying
|
| Sub Product |
Other debt
|
| Date Received |
2023-05-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-06
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
These people have been trying to contact me through email, calls, and emails constantly. They've sent scores of snail mail, and hundreds of emails saying things like, " Hello XXXX, There is some important information for you. New York law requires that consent be provided before additional information can be disclosed via email. Click the link below to provide your consent today. GIVE CONSENT WITH A CLICK. '' I've told them for the past year or two to stop contacting me, but they email me several times a week still. I'm tired of it.
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| Consumer Consent Provided |
Consent provided
|
|
