TrueAccord Corp. is facing a proposed nationwide class action alleging that the debt collector continued sending collection messages after consumers instructed it in writing to stop. The complaint was filed Oct. 30, 2026, in the U.S. District Court for the Eastern District of Pennsylvania.
The case, Cartagena v. TrueAccord Corp., alleges a violation of the Fair Debt Collection Practices Act, or FDCPA, a federal law that governs certain collection conduct. The plaintiff seeks statutory damages, an injunction and attorneys’ fees. TrueAccord has not yet responded in court, according to the complaint summary.
What the complaint alleges
The plaintiff, identified as a Philadelphia County resident, says TrueAccord began texting her in July 2025 about a $46.76 balance tied to a Klarna account. The complaint says she responded to the messages on or about July 21, 2025 by asking the company to stop contacting her.
“stop” — the response the complaint says the plaintiff sent to TrueAccord’s text messages
Despite that request, the complaint alleges that TrueAccord emailed her on Sept. 17, 2026 to seek payment of the same debt. The filing says the company’s collection messages identified TrueAccord as a debt collector, stated that a balance was past due and directed recipients to a website or telephone number for payment.
The complaint also alleges that TrueAccord used a short code for its text messages and followed up with email. It says the communications sent to the plaintiff were substantially similar to messages sent to other consumers around the country. The proposed class would include consumers nationwide, as well as Pennsylvania residents who received communications from TrueAccord after making a written stop request or refusing to pay, during the period specified in the filing.
Case status
| Case detail | Information reported in the filing |
|---|---|
| Filing date | Oct. 30, 2026 |
| Court | U.S. District Court for the Eastern District of Pennsylvania |
| Proposed class | Nationwide, with an additional Pennsylvania group described in the complaint |
| Relief sought | Statutory damages, an injunction and attorneys’ fees |
No class has been certified, and the case has not produced a settlement or a claim process. The allegations have not been tested or established in court. The matter is assigned to Judge Mia Roberts Perez. TrueAccord, a nationwide debt collector based in Lenexa, Kansas, had not filed a response in the case as of the report.
Why the filing matters
The case focuses on the use of multiple communication channels in debt collection. The complaint describes texts and email messages that allegedly pursued the same balance after a written request to stop. It contends that TrueAccord either failed to honor such requests or lacked safeguards to ensure that the requests were followed.
- The complaint alleges that TrueAccord contacted the plaintiff about a Klarna balance after she sent a written stop request.
- The proposed class could include consumers across the country who received similar communications.
- The filing is only an allegation; there is no certified class, settlement or claim form.
