TrueAccord
TrueAccord Corp. is a collection agency that reaches people mainly by email and text message rather than phone calls. If you are getting TrueAccord emails, it is collecting a debt for a client, and the same federal rules apply as for any collector. The first email may carry the validation notice, so read it before deleting it.
Email and text collection is legal, but it has its own rules. Each electronic message must give you a way to opt out of that channel, and a public social media message is off limits. Texts and emails do not count toward the seven-calls-in-seven-days presumption, though they can still be harassment if the volume or content is abusive.
Who TrueAccord is
- What it is. "TrueAccord is a debt collection agency," reaching consumers through "digital channels they use the most, like text and email, over traditional phone call outreach" (consumers.trueaccord.com).
- Where it is. Its consumer site lists a mailing address at 16011 College Blvd, Suite 130, Lenexa, KS 66219.
- Phone. The number listed on TrueAccord's consumer site is (888) 316-5474 (checked September 29, 2026).
How to check that it is really TrueAccord
- Get the validation notice. A debt collector must give you written validation information in its first communication or within five days after it: the amount, the creditor, and your right to dispute (15 U.S.C. § 1692g(a); 12 C.F.R. § 1006.34). If none came, read no validation notice.
- Ask who the original creditor is. The notice should name the creditor and itemize the balance. If you dispute in writing within the validation period, the collector must stop collecting until it mails you verification (15 U.S.C. § 1692g(b)).
- Call back on a number you looked up yourself. Do not pay a caller on the strength of a number the caller gave you. Look the company up on its own website. The number we found there is listed above.
- Look it up in the CFPB database. The link is in the public record section below.
- In New York City, look up the license. The city's Department of Consumer and Worker Protection (DCWP) issues debt collection agency licenses, and its issued-licenses list is public on NYC Open Data.
What TrueAccord cannot do
These limits apply to every debt collector covered by the Fair Debt Collection Practices Act. They are the law, not a statement about what this company has done. You can also tell a collector to stop using a particular email address or phone number; each electronic message must include a way to opt out (12 C.F.R. § 1006.6(e)).
- Message you in public on social media. Regulation F bars communicating through a platform viewable by the general public or your contacts (12 C.F.R. § 1006.22(f)(4)). See texts, emails and social media.
- Keep contacting you after you tell it in writing to stop. After a written request to stop, it may write only to confirm it is stopping or to name a specific remedy (15 U.S.C. § 1692c(c)). See ignored stop request.
- Keep collecting after your written dispute without sending verification. Collection must pause until verification is mailed (15 U.S.C. § 1692g(b)). See ignored dispute.
- Add amounts the agreement or the law does not allow. Collecting any amount not expressly authorized is an unfair practice (15 U.S.C. § 1692f(1)). See wrong amount and fees.
- Tell your family, friends or boss about the debt. A collector may contact other people only to find you, and may not say you owe a debt (15 U.S.C. §§ 1692b, 1692c(b)). See calls to family and employer.
- Report a disputed debt without saying it is disputed. Failing to communicate that a debt is disputed is a false credit statement (15 U.S.C. § 1692e(8)). See debt you do not owe.
Log calls in the call log and save voicemails, letters and screenshots.
If TrueAccord sues you
An agency collecting for a client does not usually sue in its own name; a suit usually comes from the creditor or owner. If you have been sued, do not ignore the papers. The deadline to answer is short, and a missed deadline can lead to a default judgment. Read sued by a debt collector first.
- New York. Most consumer credit suits must be filed within three years, and a later payment does not restart the clock (CPLR 214-i). The complaint must name the original creditor and attach the contract or charge-off statement (CPLR 3016(j)).
- New Jersey. Contract actions generally carry a six-year limit (N.J.S.A. 2A:14-1).
- Florida. Five years on a written contract, four on an oral one or an open account (Fla. Stat. § 95.11).
- The right court. A collector's suit must be filed where you live or where you signed the contract (15 U.S.C. § 1692i(a)(2)). See sued in the wrong county.
Public record
Only public, sourced facts appear here. Where we quote an agency or a court, the words describe what that agency or court found, alleged or decided.
CFPB complaints, as of September 29, 2026. From September 1, 2025 through September 1, 2026, consumers filed 3,066 complaints naming "TrueAccord Corp." in the Consumer Financial Protection Bureau's complaint database, 2,593 of them about debt collection; 440 of the 3,066 came from New York, New Jersey and Florida. See the complaints in the CFPB database. Complaints are unverified consumer reports, not findings of wrongdoing.
A court decision on email timing. In Quinn-Davis v. TrueAccord Corp., No. 1:23-cv-23590 (S.D. Fla. Nov. 20, 2024), the court granted summary judgment to TrueAccord on FDCPA and Florida claims over an email sent at 8:23 p.m., delivered at 10:14 p.m. and opened the next morning, reasoning that the communication occurred when the consumer read it (docket; summary). One district court's ruling does not bind other courts.
New York City license. DCWP's list shows an active debt collection agency license for TrueAccord Corp (2086769-DCA, expiring January 31, 2027) as of September 29, 2026.
In New York, New Jersey and Florida
New York consumers can also sue under General Business Law § 349 for deceptive practices (N.Y. Gen. Bus. Law § 349(h)), and since September 1, 2026 New York City's DCWP rules limit a collector to three communications or attempts per account in seven days, across calls, texts and emails. Florida's consumer collection law reaches anyone collecting a consumer debt, including original creditors, with statutory damages up to $1,000 (Fla. Stat. §§ 559.72, 559.77(2)). New Jersey's Consumer Fraud Act allows treble damages for an ascertainable loss (N.J.S.A. 56:8-19). See New York, New Jersey and Florida.
The FDCPA requires a company found liable to pay the consumer's reasonable attorney's fees and costs. The deadline to sue is one year from the violation (15 U.S.C. § 1692k(d)).
Common questions
Is a TrueAccord email real?
TrueAccord is a real collection agency with a New York City license. Impostors copy real names, so do not click payment links you are unsure of. Go to the company's site directly or use the address on your notice.
Do TrueAccord texts count toward the 7 calls in 7 days rule?
No. The Regulation F presumption counts telephone calls only. Texts and emails can still be harassment if their volume or content is abusive.
How do I stop TrueAccord emails?
Use the opt-out in the message to stop that channel, or send a written request to stop all communication. After a written stop request, a collector may contact you only to confirm it is stopping or to name a specific remedy.
Tell us what they did.
One conversation with an attorney, in your language. We tell you which laws the collector or the credit bureau broke, which deadline runs first, and what to save this week. If it is not a case we can take, we say so and tell you where to go.
(718) 484-7510The FDCPA and the FCRA require a company found liable to pay the consumer’s reasonable attorney’s fees and costs. Our fee arrangement is confirmed in a written retainer before we begin. English, Russian and Spanish in-house; an interpreter for any other language.