Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Billing address which is not correct they have is XXXX XXXXXXXX XXXX XXXX fl XXXX I was contacted by Multiple debt collectors representative via phone, text and email letter. The representative said I owed XXXXXXXX XXXX. However, I disputed that account with XXXX and any company collector that said I owe. Please read the story below. 

XXXX, XXXX XXXX started sending me multiple text messages. They did not identify what this was for. The text message only said that I owe them into call them. The text messages became excessive. This which I could show proof that they would text to meet every single day. I didn't know if this was some type of scam or what was going on. I did not reply to a text message because I had no idea who this company was, what this company was about and why they would be contacting me. I find it unprofessional for them to text me XXXX without sending me a letter explaining who they were and what they was collecting for. They sent excessive emails every day. Again not representing who they are why they try to contact me in any way. With so many scambers out there, I don't know if this is some trick text message coming in or some trick email coming in or anything else. They clearly do not expect me to answer to something I have no clue what they are referring to. Nevertheless asking me to pay for somethi have no idea what they want me to pay for. 

Back in XXXX of XXXX I contacted XXXXXXXX XXXX to let them know that I moved from the address they had listed. I requested them to update the information on file and put my new address. After a period of time has passed I contacted XXXXXXXX XXXX again to make sure that my address was updated because I told him I have not been receiving any of my statements. During this round I was given the hard time to get my address updated on file. It's like they didn't want to take care of it. Even though they was notified from the start I relocated. With all the back and forward phone calls it became enough. They still was not listening and still did not update my address on file. I could not even get a list of transactions, a copy of my statements or any histories on my payments at all from these people.. Every time I call them the gave me to run around. 

I then file a complaint with CFPB on XX/XX/XXXX and XX/XX/XXXX. Which the office has a phone number on it in a complaint with sent over. Again no matter how many times I follow complaint because my address was never updated, they still kept my address at the same location. They. never did they update my address. The address they kept sending information to I have not lived there since summer of XXXX. I moved. There is proof of how many times I contacted them including my complaints and still nothing was ever done. Consumer financial protection bureau could even look up the complaints that already had against this company, and XXXX of my biggest complaints was the address situation. 

I had no access to my statements for all this time. I had no access to online banking to see what was going on. When I called them they wouldn't even share any information with me about my account. Yet they was looking for me to pay my bill without providing me the necessary information. I had a right to know about my transactions, I had a right to know about if any fees were applied to the account. I had the right to know how my payments were being applied. They was not doing anything for me. It was totally unclear what I really owe. Nevertheless I should have been finished paying them off already. 

With that being said, they sent my information to this collection agency. With this collection agency I can't even get a breakdown on anything from the account. Nevertheless, they kept sending collection notices still to the old address. Still even on their systems nothing has ever been updated since XXXX. They are looking for payment for me but yet they can't provide me all the statements and everything else that I need off the account. Nevertheless a better understanding how we went to a collection agency. When I made every effort to work with XXXXXXXX XXXX on the situation. How do they expect me to pay for something I have not seen a bill from the kept going to the wrong address since XXXX. As a consumer how am I being protected. You're sending information to a address that I moved out since XXXX. This collection agency is sending information over to that address as well. They don't even have the correct address. 

They still have me listed at XXXX XXXX XXXX XXXX FL XXXX. How do they want me to pay for something if they kept sending it to the wrong address since XXXX that I had moved. No bills came to my current address at all. I can not get a request for transactions, payment history or anything else.When I call I can't even get a breakdown from the credit card company. How do they expect me to pay for something unseen. Did I suppose you just go by what they tell me and just pay something without having access to my own billing statement. Not XXXX time has a bill been sent to my current address. 

This collection agency email and text nonstop. They leave multiple text messages on my phone. Excessive emails. Between the text messages and the emails they clearly do not identify What they are collecting for nor did they ever validate the debit to show that they have this in their possession. 

This company fail to send a written debt validation notice to show I actually owe XXXXXXXX XXXX. They want continue to collect on the debt before I actually get verification. I feel like this debit that they claim I owe, Should be dismissed. Knowing I was never provided any of my statements to my home address since XXXX. I was never able to validate, see any transactions, get access to online, nor be able to speak to them directly about what was going on with my account. For years they were sending my information to a address that I no longer live at for 3 years. Until today they never updated my address even though I sent multiple complaints about this already. Furthermore, my information is being sent to a address I no longer reside at. Send in my personal information to a XXXX party. The consumer financial protection bureau Can review my complaints about the address and the situation I was going through already with XXXXXXXX XXXX. Now my information was sold over to this collection agency. I feel that they should comply with the regulations regulations that I have stated they are in violation of. See exactly what could be done in this situation. The proof is within, Consumer financial protection bureau you could go back and look at my complaints. XXXX was ever resolved or correct it. So obviously there's no secret about it. I try to work out with them multiple times and if you review all my complaints prior you can see exactly what was going on. I want them to remove any negativity off my credit report. I wanted to remove any fees that they would charge me on top of this. Wanted to see if they could close this case down without affecting my credit report. I want them to look at the whole situation from day XXXX when I started to file a complaint about this.

Company response to consumer: Closed with explanation