TrueAccord Info & Dispute Guide

Who is TrueAccord

TrueAccord is a debt collection company that likes to call themselves a “technology-driven debt collection agency. Our TrueAccord info & dispute guide will show you if this new coat of paint hides the same old shark underneath.

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What to do

While debt collectors play an important role in the financial system, they are not your friends. It is important to be aware of your rights. We help you deal with so called AI, Cloud, and any other fancy worded collection agencies.

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They are calling the wrong person. You already paid your debt off. There are a million valid reasons to dispute a debt. Look no further to start filing disputes starting with the actual company that is calling you.

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Who Is TrueAccord

TrueAccord isn’t your typical debt collector. They like to call themselves a “technology-driven debt collection agency,” emphasizing their modern approach compared to the traditional arm-twisting tactics of old. But does this new coat of paint hide the same old shark underneath? Let’s delve into TrueAccord’s world to see if they deserve your trust, or a raised eyebrow.

TrueAccord specializes in buying up charged-off debts, those deemed unlikely to be collected by the original creditor. They then use their “proprietary technology” to contact you, promising a kinder, gentler debt collection experience. They boast of flexible payment plans, online account management, and even educational resources. Sounds almost pleasant, right?

However, beneath the shiny surface, some familiar red flags emerge. TrueAccord has faced numerous lawsuits alleging violations of the Fair Debt Collection Practices Act (FDCPA), including harassment, misleading statements, and unfair collection practices. While they may not resort to the “muscle” tactics of old, their legal battles suggest they push the boundaries of what’s acceptable.

So, what should you do if TrueAccord comes knocking? First, remember, you have rights. Don’t admit to anything or sign anything without understanding it fully. Request validation of the debt in writing. If it feels fishy, contact a consumer protection agency or lawyer.

TrueAccord may present a modern face, but their core business remains debt collection. Proceed with caution, and remember, knowledge is your strongest weapon when facing any debt collector, new-age or otherwise.

What To Do If Contacted By TrueAccord

While debt collectors play an important role in the financial system, they are not your friends. They are not there to help you. Collectors collect money for their clients, and do whatever it takes to get the job done.

If you are contacted by a debt collector, it is important to be aware of your rights. You have the right to:

  • Verify the debt: Debt collectors are required to provide you with certain information about the debt. This includes the original creditor, the amount of the debt, and the date it was due. If you are not sure if the debt is legitimate, you can ask the debt collector for proof of the debt.
  • Dispute the debt: If you believe that the debt is not yours, or that you have already paid it, you can dispute it with the debt collector. You will need to provide documentation to support your claim.
  • Make a payment arrangement: If you cannot afford to pay the debt in full, you can try to work out a payment arrangement with the debt collector. This may involve making smaller payments over a longer period of time.
  • Be treated fairly: Debt collectors are prohibited from engaging in certain harassing or abusive practices, such as calling you at unreasonable hours, threatening you with violence or arrest, or lying to you about the debt.
  • Remove TrueAccord from your credit report: If you believe that TrueAccord has added the debt on your credit report by mistake, you can dispute it. Visit our guide to remove TrueAccord from your credit report.

Complaints can be filed with the Consumer Financial Protection Bureau (CFPB).

How To Dispute Your Debt

You must have a valid reason to dispute your debt for a chance at success. If you feel you have a valid reason and some proof to back up your dispute then proceed.

File a dispute with TrueAccord
TrueAccord does not seem to have an online form to file a dispute. The only option we were able to find was to email [email protected] or call (866) 611-2731.
File a dispute with the major credit bureaus
You may want to go straight to the credit bureaus to dispute your debt. (TrueAccord credit report dispute)
File a complaint with the CFPB & BBB
In rare situations, you need to escalate the situation. CFPB Complaint Center. BBB Complaint Center.

TrueAccord Contact Information

16011 College Blvd., Suite 130
Lenexa, KS 66219

Phone Number: (866) 611-2731