TriVerity is a Fort Worth, Texas company that handles delinquent loans for financial institutions, both in the lender's name before charge-off and as a third-party collector afterward. Contact usually concerns a past-due loan from a credit union or other financial institution.
- Type
- Collection agency
- Also known as
- TriVerity, Inc.; The Loan Service Center
- Headquarters
- Fort Worth, TX
- Collects
- delinquent loans for credit unions and other financial institutions
- Phone numbers it lists
- (800) 377-1798
- Website
- triverity.com
89 debt collection complaints were sent to the Consumer Financial Protection Bureau about TriVerity, Inc. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is TriVerity?
TriVerity describes itself as a delinquency management company that has offered "collection solutions since 1990." Its corporate headquarters is at 4950 Amon Carter Blvd., Suite 100, Fort Worth, Texas 76155, and its main number is (800) 377-1798. The website footer shows an NMLS ID of 997459.
TriVerity's leadership page ties it to PSCU. It lists Jack Lynch as PSCU's chief risk officer and as president of "TVT/TLSC," and Steve Balmer as managing vice president of delinquency management at PSCU and at "TriVerity & The Loan Service Center," overseeing operations in St. Petersburg, Florida, and Wyoming, Minnesota.
Why TriVerity May Be Contacting You
TriVerity offers financial institutions two kinds of service, and which one applies to you matters:
- First-party work. Its "Loan Service Center" handles loans of all types "prior to charge off." In that role it typically speaks for your lender, often a credit union, about a past-due loan that is still open.
- Third-party work. Under the TriVerity name it provides delinquency management after an account goes further into default.
Its pages speak of financial institutions and their "members," which points to credit unions as a core client base, but it doesn't name specific clients. The letter or caller should tell you which institution's account is involved and whether the account has been charged off.
How to Check a Debt TriVerity Says You Owe
With a loan account, your own lender is the best source for the numbers.
- Ask which role TriVerity is playing. If it is collecting as a third party, it must send a validation notice naming the creditor, itemizing the balance and giving a dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing before the deadline if the balance, interest or fees look wrong.
- Get the loan history from your credit union or bank. Compare the charge-off balance, interest after charge-off, and any late fees with the amount TriVerity is asking for.
- For a secured loan, such as a car loan, ask how any repossession sale proceeds were credited. See car deficiency lawsuits.
- Check the date of default. Texas generally allows four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer may not sue after that period (Tex. Fin. Code § 392.307). Other states have different deadlines.
What TriVerity Can and Can't Do
When TriVerity collects debts in default for other companies, it is a "debt collector" under the FDCPA (15 U.S.C. § 1692a(6)). When it services a loan in the lender's name before default, the FDCPA may not apply, but the Texas Debt Collection Act covers both creditors and third-party collectors. In either role:
- It may not threaten arrest or criminal charges over an unpaid loan; see threats of arrest or jail.
- As a third-party collector, it must not call more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).
- It may not tell your employer or family about the debt, except to ask for your contact information (15 U.S.C. § 1692c(b)).
- It may not collect amounts the loan agreement or the law doesn't permit (15 U.S.C. § 1692f(1)).
We did not find a CFPB enforcement action against TriVerity. Learn more on our FDCPA attorneys page.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If TriVerity or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- TriVerity: home page
- TriVerity: About us
- TriVerity: Contact us
- CFPB enforcement actions (full list reviewed)
- CFPB Consumer Complaint Database: TriVerity, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that TriVerity has violated any law. Company details change; tell us if something here is out of date.