Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: FL

Complaint narrative:
I have received emails from True Accord debt collections since XX/XX/year> alleging a debt is owed by me. The emails are vague and only showing a balance and creditor allegedly owed. It requires me to click an external link in every email to " VIEW MY ACCOUNT SUMMARY '' engaging in deceptive practices. I have at no time prior to this complaint given verbal, written or electronic consent to this form of communication. They are required to receive that from me and have continued to email me and have used aggressive emails that " time is running out with them and it's not too late to set up a payment plan. They have at no time provided me validation of this debt requiring I click a link to " view summary ''. TrueAccords system uses a patent-pending digital engine that tracks email opens and link clicks to gauge consumer activity. Unfortunately, under the Fair Debt Collection Practices Act ( FDCPA ), collectors are permitted to send the initial validation notice and communication via email, provided they follow certain rules ( like not hiding the notice in an attachment and clearly identifying the creditor in the subject line ) Given the above information by clicking a link to view the account results in tracking of my email and that I consent to their contact and communication of the debt. That is deceptive and the only option to review the alleged debt against me. AT NO TIME PRIOR TO THIS COMPLAINT, has True Accord contacted me via email providing clear information of the debt besides the creditor name and alleged balance owed. I am directed to CLICK A BLUE BUTTON TO ACCESS THE INFORMATION THAT IS LEGALLY TO BE EASILY ACCESSED AND VIEWABLE IN THE BODY OF THE EMAIL. That is in violation of my rights and deceptive practices. Under XXXX ( XXXX XXXX ), a debt collector can not use any deceptive or misleading representations to collect a debt. Unsolicited emails, text messages, or unbranded links that ask you to click to view debt details can mimic phishing attempts or scams. If a message contains unbranded or suspicious links, it may be deemed an unfair or deceptive practice if it causes the consumer to unknowingly click on a malicious site or provide sensitive information to an unauthorized third party. Under the federal Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) Regulation F, debt collectors are strictly regulated in how they use email to communicate with you. Federal law specifies the legality of these practices : Consent is legally required for electronic communication : A debt collector can not simply send you emails without your consent. Under the XXXX XXXX upheld by Regulation Fcollectors generally must obtain your prior consent directly before delivering required debt notices to you electronically. The " Click-to-View '' format is a legal tactic : Collectors often send vague emails that require you to click a link to a " web portal '' or " secure summary. '' XXXX XXXX XXXX, they are legally permitted to use this method to securely deliver legally required documents ( like the Validation Notice ) and avoid revealing sensitive debt information to third parties ( like an employer or a family member who might view your email inbox ) .Requirements for a Validation Notice : If an email serves as the initial communication or includes the validation of a debt, the collector must provide very specific information within or alongside that notice. This includes the name of the original creditor, the account number, and the amount owed

Company response to consumer: Closed with explanation