TrueAccord Corp. is a third-party debt collection agency that relies mainly on email, text messages and an online portal rather than phone calls. A message from it usually means a lender or other business placed your past-due account with it.
- Type
- Collection agency
- Also known as
- TrueAccord Corp.
- Phone numbers it lists
- (888) 316-5474
- Website
- trueaccord.com
4,513 debt collection complaints were sent to the Consumer Financial Protection Bureau about TrueAccord Corp. 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 TrueAccord?
TrueAccord Corp. calls itself a digital-first, omnichannel debt collection agency that uses data science and AI. Its "Our Story" page begins in 2013, when its chief executive, Ohad Samet, was contacted by collectors about a small store-card balance, and says it has worked with more than 20 million consumers. TrueAccord also offers first-party (pre-charge-off) services through a subsidiary, Sentry Credit, Inc.
Its website lists a California license (10526-99), a Nevada collection agency license (CAD11758) and a New York City license. Its consumer site gives a mailing address of 16011 College Blvd, Suite 130, Lenexa, KS 66219 and a toll-free number, (888) 316-5474, with agents available weekdays.
Why TrueAccord May Be Contacting You
TrueAccord collects for creditors that hire it, and it says it prefers to reach people through "digital channels" such as email and text rather than phone calls. So the first contact is often an email or text with a link to its portal, which some people mistake for spam or a scam. The consumer site itself suggests checking spam folders for its messages.
Before you click a link or pay, confirm the message is genuine by going to consumers.trueaccord.com directly or calling the number above, and make sure the creditor it names is a company you actually dealt with.
Three state regulators have taken action over TrueAccord's past collection of online loans from lenders claiming tribal affiliation. In January 2024 the Colorado Attorney General said TrueAccord had collected or tried to collect from about 29,000 Colorado consumers on such loans from 2017 to 2022, many above 500% APR, and announced a $500,000 settlement used for refunds. Pennsylvania's Attorney General announced a settlement in June 2025 with restitution for about 234 consumers, and Connecticut's Department of Banking issued a consent order in 2022. According to the Pennsylvania announcement, TrueAccord said it had voluntarily stopped collecting on tribal-lender loans and agreed to close those accounts.
How to Check a Debt TrueAccord Says You Owe
An email-based collector makes it easy to save a paper trail, so use that to your advantage.
- Get the validation information. Regulation F lets a collector deliver the validation notice electronically if it follows the E-SIGN and Reg F delivery rules (12 C.F.R. §§ 1006.34, 1006.42). The notice must name the creditor and itemize the balance (15 U.S.C. § 1692g). Save it as a PDF.
- Dispute in writing, by the deadline. A written dispute sent within the validation period, including through a dispute option in the portal, requires TrueAccord to pause collection until it provides verification. Keep a copy or screenshot.
- Confirm the owner. Ask whether the original lender still owns the debt or it was sold, and to whom.
- Check whether the loan was lawful where you live. If the debt comes from a high-cost online loan, compare its rate with your state's limits; several states have treated collecting unlawful interest as a problem.
- Check the date of default. In Texas, suit on most debts must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004); a debt buyer cannot sue on a time-barred consumer debt (Tex. Fin. Code § 392.307). Limitation periods vary by state.
What TrueAccord Can and Can't Do
As an agency collecting debts owed to others, TrueAccord is a "debt collector" under 15 U.S.C. § 1692a(6). Its digital approach brings Regulation F's electronic-communication rules into play:
- Every email or text must include a clear, simple way to opt out, and it must honor your request to stop using that channel (12 C.F.R. § 1006.6(e)).
- It generally may not email you at an address it knows your employer provides, and may not text or email at times it knows are inconvenient (12 C.F.R. §§ 1006.6(b), 1006.22(f)(3)).
- If it does call, more than seven calls in seven days about one debt is presumed harassing (12 C.F.R. § 1006.14(b)(2)).
- It may not say you owe an amount that the law does not let the creditor collect (15 U.S.C. §§ 1692e(2)(A), 1692f(1)).
Read more about whether collectors can text or email you, or see our FDCPA attorneys page if you think a message crossed the line.
Government Actions on the Public Record
- Pennsylvania Attorney General settlement (alleged collection on tribal-lender payday loans above state rate limits; $23,400 restitution and $5,000 civil penalty) (2025-06-24)
- Colorado Attorney General settlement (alleged collection of tribal-lender loans above Colorado's rate cap; $500,000 for consumer refunds) (2024-01-16)
- Connecticut Department of Banking consent order (alleged collection on loans that violated state usury law; refunds to about 103 consumers) (2022-06-28)
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 TrueAccord 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
- TrueAccord: home page (licenses and subsidiary)
- TrueAccord: Our Story
- TrueAccord consumer site
- Colorado Attorney General press release, Jan. 16, 2024
- Pennsylvania Attorney General press release, June 24, 2025
- Connecticut Department of Banking news release, July 11, 2022
- CFPB Consumer Complaint Database: TrueAccord Corp., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that TrueAccord has violated any law. Company details change; tell us if something here is out of date. Lea este perfil en español.