Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: OH

Complaint narrative:
I am reaching out to file a complaint against the company XXXX, and True Accord. I had allowed my boyfriend to use my XXXX to make a purchase and he made the first payment and then his hours got cut at work and he then was laid off which left him unable to pay. This was on my XXXX account and they sent it over to debt XXXX at True Accord. True accord sent me an email on Monday XX/XX/XXXX letting me know they were in charge of this now and that if I wanted to dispute the charges to respond to the email. I responded telling them I want to dispute the charges of {$250.00}. Then on Tuesday XX/XX/XXXX, I was sent an email that the debt had been paused and they were sending this back over to XXXX to handle. I contacted XXXX by phone on XX/XX/XXXX, and they said that the payments were sent to True Accord and they couldnt help and I would need to contact them. Once off the phone with XXXX I called true accord and they confirmed they sent it back to XXXX and could no longer help and that I needed to contact XXXX I stated to them that I had just gotten off the phone with XXXX and they told me true accord was fully handling this. They said they were not and that XXXX a system might not have updated yet. I called XXXX back to let them know this again and the man I spoke with seemed frustrate and told me he doesnt know why true accord would give me misinformation and that they were handling this. He advised me to wait XXXX days then contact them again. Yesterday was XXXX days so again I contacted True accord and they told me the same thing that they sent it back to XXXX on XX/XX/XXXX at XXXX. He sent me an email as confirmation so I again called XXXX  back asking for their help with this. The man I spoke to today was not very helpful at all. He told me the same thing Ive been hearing true accord was handling this and they couldnt do anything. I let him know true accord sent me an email showing that they sent it to XXXX and I said so I would appreciate your help. The guy said he cant help all I can do is pay. I told him I wanted to file a dispute that is what Ive been trying to do and its been the biggest hassle ever. The man I spoke to XXXX days ago at XXXX said he could help with the dispute once it was back in their hands. This guy today said I cant dispute, he said hed remove the late fees then said sorry I cant, he mentioned hardship relief then said oh sorry I cant do that either. He said all that can be done is I pay. I told him this isnt my purchase to pay. I wasnt responsible for these charges and its all negatively effecting me. I provided proof of everything Im saying and he was unwilling to work with me. He told me to find a way to pay my boyfriends debt and hopefully he will pay me back. If I was able to pay this for him, I already would have. Its not something I can do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation