Consumer complaint received 2020-06-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TrueAccord Corp. (VA)

Collection Company : TrueAccord Phone : ( XXXX ) XXXX Address : TrueAccord XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX & TrueAccord XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX Complaint : I am requesting a formal escalation to the FTC to include a full investigation into the unlawful and deceptive business practices of TrueAccord, its executive management team, in house collection team. Currently I am being harassed by TrueAccord regarding a debt they currently hold under my SSN despite repeated complaints and requests for them to blacklist my SSN and stop contacting me. 

Each of my creditors, on every account that is going unpaid due to my inability to pay approximately {$480000.00} dollars in debts to various creditors and the IRS. Each creditor was notified in writing that I will be filing for bankruptcy as soon as I have enough money to secure an affordable attorney and cover my filing fees. For each company I submitted and verified that they received my request for a cease and desist for no contact - with additional directions to require them to mark the account in a manner that if the debt was outsourced for collection that they would see the account notated for no contact as well. 



TrueAccord has willfully engaged in a complete disregard for my request despite them receiving a SECONDARY cease and desist request with notice of intent to file bankruptcy delivered to : XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX & TrueAccord XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX And previously submitted online and confirmed by their compliance department that my information would be marked for no contact. 



They list out on their website this practice of using fictitious names/fictitious online personas called automated staff on their website and my inbox is battered aggressively with emails using scare tactics intimidation language from these fake virtual accounts ( that are not disclosed as not being from a real person within the email ) ; even after I demanded that they cease any communications with me on any accounts tied to my SSN. I have well over 50 emails with each occurrence separately violating all of my requests for no contact. 



https : //www.trueaccord.comXXXX How We Talk to Our Customers At TrueAccord we talk to our customers in a variety of ways, including emails, letters and calls. 

To assist our team in reaching our customers efficiently and consistently, we sometimes use automation software to schedule and send messages with virtual sender names. These messages have all been written and reviewed by a TrueAccord team member and sent automatically by our software. These virtual sender names are grouped and referred to as our Automated Staff. 

Since we believe transparency increases trust and provides a better customer experience, were publishing this directory of our automated staff names. 

TrueAccord Automated Staff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX With special appearances by : XXXX XXXX XXXX XXXX. 



Their company consistently operates outside of federal protections regarding debt collection and following their unsuccessful attempts to XXXX and harass me into paying a debt that I can not pay they have begun their persistent aggravated attempts to collect on a debt they hold for a XXXX XXXX XXXX   XXXX  XXXX XXXX & XXXX XXXX  XXXX. ( Both are companies who were provided with cease and desist orders and notice of intent to file bankruptcy along with directions to forward those notices to any of their collection agencies and debt buyers. - All companies involved have received my requests but are refusing to follow any consumer laws in place. ) TrueAccord is further advised for immediate notice in this escalation complaint addressed to the CFPB and FTC to cease and desist any and all communications with me, my employers ( past, present, future ) and to refrain from harassment, intimidation, and contact of my relatives/roommates/associates. As well as to black list my social security number and bar any accounts past, present, or future from any kind of contact. 



TrueAccord has already received the separate notice advising that I am having to file a bankruptcy and Im getting together my filing fees. I dont have the funds at this time and although there are several legal firms who have offered to take up my harassment case against TrueAccord in a class action claim at no cost upfront ; my bankruptcy filing is a different issue it takes time to get together the funding for that with my family providing assistance when they can. There is no confusion regarding my clear communication to TrueAccord. In order to fraudulently obtain a default court judgement in their favor, they are consciously falsifying their contact records and will deny any receipt of my correspondence and continue to aggressively collect on a debt held by their offices. 



They can not be allowed to continue operating beyond the scope of required business practices for a debt collection agency. Through continued talks with a legal advocate attorney who is handling other complaints against TrueAccord, I intend to seek all options through class action or individual suit including any compensation available to me based on the array of evidence ; and their intimidation and blatant disregard for the protective laws in place by flat out refusing to abide by my cease and desist requests for no contact along with an additional refusal even after receiving notice of my intent to file bankruptcy. This notice of complaint to be filed with the CFPB and FTC as well as the Virginia State Attorney Generals office serves as notice of my grievances with this collection  company.