Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
On XX/XX/XXXX Sentry Credit , Inc. received a communication via email to an address publicly made available for such notices entitled, " ABSOLUTE CEASE-AND-DESIST ; FORMAL MULTI-JURISDICTIONAL STATUTORY NOTICE & DEMAND ''. The notice informed Sentry Credit , Inc. that they are reporting an Unverified Account Allegedly Owed by XXXX XXXX XXXX XXXX who is a Protected Person as defined by Florida Statutes. They also received trustee certifications which included information on the findings that XXXX XXXX was ajudicated to be " XXXX XXXX XXXX '' on XX/XX/XXXX and therefore, can not be held liable for the alleged debt due to XXXX XXXX XXXX XXXX, thus causing the alleged debt to be void. Sentry Credit , Inc. has ignored the notice and has continued to exercise an abusive practice against a person with XXXX XXXX and XXXX XXXX XXXX for the purpose of corporate profit. Their actions are illegal and criminal according to federal and state statutes that protect persons with XXXX. Sentry Credit , Inc. is also in violation of HIPAA by illegally being in possession of XXXX XXXX XXXX personal identifying information which is considered medical information by virtue of his emotional and intellectual lack of capacity as a medical diagnosis. Sentry Credit , Inc. received a certification of fiduciary authority from the trustee of XXXX XXXX XXXX affirming trustee status and affirming the information to true and correct, having direct knowledge of the facts. Sentry Credit , Inc. is in no positoin to make demands beyond the certification and notice they received due to the nature, and their corporate policies have no standing as they are overridden by federal and state consumer protection laws and protected by HIPAA privacy. As of today, XX/XX/XXXX Sentry Credit , Inc. has continued to violate XXXX XXXXXXXX XXXX consumer protection and constitutional rights due to willful negligence, willful non-compliance of the following : XXXX. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) Prohibition on Unfair or Abusive Practices : The FDCPA prohibits debt collectors from engaging in unfair, deceptive, or abusive practices. Continuing to collect from a person known to lack capacity could be considered abusive or unfair under 1692d and 1692f.

Communication with Represented Persons : Under 1692c ( a ) ( 2 ), if a debt collector knows a consumer is represented by an attorney or fiduciary, they must communicate only with that representative. Ignoring a fiduciarys notice and continuing to contact the vulnerable individual directly could violate this provision. 
Harassment or Abuse : 1692d prohibits conduct that harasses, oppresses, or abuses any person in connection with debt collection. Targeting a person with known cognitive impairments could be seen as abusive.

2. Dodd-Frank Wall Street Reform and Consumer Protection Act ( 12 U.S.C. 5531, 5536 ) Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : The Consumer Financial Protection Bureau ( CFPB ) enforces prohibitions against unfair, deceptive, or abusive acts or practices. Knowingly attempting to collect from a person lacking capacityafter being notified of their protected statuscould be deemed abusive under 5531 ( d ) ( 1 ), which defines abusive acts as those that " take unreasonable advantage of ... a lack of understanding on the part of the consumer of the material risks, costs, or conditions of the product or service. '' 3. State Unfair and Deceptive Acts and Practices ( UDAP ) Laws Many states have their own UDAP statutes ( e.g., Californias Unfair Competition Law, Massachusetts Chapter 93A ) that prohibit unfair or deceptive acts in commerce. Continuing to collect from a vulnerable individual after notice of their incapacity could violate these laws, especially if the corporations actions are deemed exploitative or predatory. 

4. Americans with Disabilities Act ( ADA ) ( 42 U.S.C. 12101 et seq. ) While the ADA primarily addresses discrimination in employment and public accommodations, some courts have interpreted its protections to extend to financial exploitation of individuals with XXXX. If the corporations actions discriminate against the individual based on their XXXX, it could face liability under the XXXX.

Company response to consumer: Closed with explanation