Product: Debt collection

Relates to CFPB complaint XXXX filed against XXXX. 

XXXX has subsequently turned account over to collections firm True Accord. Following represents most recent correspondence with True Accord - substantiating documentation is available for all of the statements below. Despite numerous efforts to dispute, try to understand information requests, follow up for timeline to resolve - True Accord has done NOTHING to resolve this issue. As of now, I am in " limbo '' - no resolution, no action, no follow up. 

Please let me know if I can send you additional documentation. 



-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Thu, XX/XX/2022 at XXXX XXXX Subject : Re : PLEASE READ CLOSE LOOP ON PENDING COLLECTION ACTION, DISCUSSION WITH ATTORNEY, AND NEXT STEPS To : TrueAccord XXXX, XXXX XXXX XXXX Cc : XXXX XXXX, XXXX XXXX XXXX 1 ) You contacted me on XX/XX/XXXX noting that you were collecting a debt for XXXX 
2 ) I provided detailed documentation to dispute that debt collection on XX/XX/XXXX XXXX ) After numerous requests, you acknowledged receipt of my dispute information.

4 ) I have contacted you AT LEAST 10 TIMES to follow up on this matter for next steps resolution.

5 ) You have provided NO status on the information provided in the dispute other than to say it is under " review '' 6 ) I have provided you with specific information on actions I have taken- including results of discussion with my State Attorney General and the bank credit card - both of which have indicated this should not longer be an issue for me ( in fact bank has issued permanent credit ) 7 ) I have shared with you my initial consultation with an attorney which indicates you are likely attempting to collect an invalid debt 8 ) You have asked me to provide " screenshot '' information - but when I asked you what screenshot / information you wanted you have provided no response 9 ) You have asked me to call you- but when I ask the nature of the call you have provided no explanation or response 10 ) I have asked you for resolution / next steps by a certain date- but you have not responded ( below ) 11 ) You have provided no follow up to the e-mail I sent below 12 ) You stated that you stopped collections activities when I submitted the dispute, which is factually not true as I pointed out to you that you still sent me text messages indicating attempt to collect a debt 13 ) Your client - XXXX - continues to send me product offerings and solicitations despite having turned me over for collections 14 ) I continue to have the merchandise associated with this transaction ( unboxed, as shipped ) and am willing to return it to the merchant - as I have stated numerous times.

AS A RESULT OF YOUR INACTION, I HAVE FILED A COMPLAINT AGAINST TRUEACCORD WITH THE CONSUMER FINANCIAL PROTECTION BUREAU AS OF TODAY. 



On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  wrote : You keep asking for a call - but you keep ignoring my question. 

WHAT DO YOU WANT TO DISCUSS? Your behavior and responses are why I want to have as much of this discussion in writing- to be as specific as possible in all communications. 

Your process has not been consistent, responsive, well defined. I have asked for timelines, for you to follow up on requests, for status on my dispute, etc. 

Additionally, your client XXXX, continues to solicit me for new products and offers. 

I AM NOT GOING TO CALL YOU UNTIL YOU PROVIDE SOME OUTLINE OF WHAT YOU WANT TO DISCUSS. ADDITIONALLY YOUR LACK OF RESPONSE, PROCESS DEFINITION, TIMELINE IS ( UNFORTUNATELY ) INCREASING THE LIKELIHOOD THAT I WILL NEED TO SOLVE THIS WITH LITIGATION - A STEP I DO NOT WANT TO HAVE TO TAKE. IF I DO HAVE TO TAKE THAT STEP, I WILL SEEK AS MUCH REMEDIATION- INCLUDING DAMAGES FOR TIME AND WHAT I PERCEIVE TO BE CONSUMER HARASSMENT - FROM ALL PARTIES INVOLVED. 



On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TrueAccord XXXX   wrote : # # - Please type your reply above this line - # # Your request ( XXXX ) has been updated. To add additional comments, reply to this email. 
The following are CC 'd to this email XXXX XXXX XXXX XXXX XXXX XXXX TrueAccord XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Thank you for replying to our email. 

Due to the nature of your request, we would like to speak with you directly in order to clarify your needs and better assist you. Please contact us at XXXX. Our office is open Monday  through Friday  XXXX XXXX XXXX XXXX XXXX  XXXX. 

Please let me know if you have any questions. I'm here to help. 
Sincerely, XXXX XXXX XXXX XXXX I TrueAccord is a debt collection agency and this is an attempt to collect debt. Any information obtained will be used for that purpose. We are required under state and/or federal law ( s ) to notify consumers of certain rights. This does not include a complete list of rights you may have under state or federal laws or regulations. Federal Law or other state laws may also provide you with similar or even greater rights.

Nothing on this page changes any of the rights we have previously explained to you. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX Phone : ( XXXX ) XXXX or ( XXXX ) XXXX. 
XXXX XXXX XXXX  This collection agency is licensed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TrueAccord Corp is licensed to operate under permit number XXXX TrueAccord Corp is licensed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Email : support@trueaccord.com or call us toll free at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TrueAccord XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a follow-up to your previous request # XXXX " PLEASE READ CLOSE LOOP ON ... '' Your absence of a response including to your own statements and questions is a pattern and a theme. This is a primary reason that I want communications to be in writing. I will simply state that there are several questions posed to you in some cases based on statements or points you have put forward. 

Remind you of requested resolution date. Your absence of resolution will drive my next steps, which may include legal action against involved parties. 

On Thu, XX/XX/2022 at XXXXXXXX XXXX XXXXXXXX XXXX XXXX wrote : I am confused by the comment you are saying that XXXX  needs to verify the debt? I have been turned over to a collections process for a debt that has not been verified? Please advise that is the nature of your comment. 

You also did not outline what you wanted to discuss so I will wait for that before determining if a discussion would be productive This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.