Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:06/08/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  True Accord keeps harassing me w/ text messages. On June 7, 2025 they sent me another one.
  They must have got my information from Midland Credit Management or Resurgent/LVNV Funding LLC. They have a history of violating the FDCPA. I request that True Accord send me money damages for their harassment or we will have to go to court. It is proven they are a corrupt company that should be shut down. Attorney General **** ****** reached an agreement with third-party debt collection company TrueAccord over illegal collection. The company will pay $500,000 to the state under the agreement to be used for consumer refunds. They should be added to the Banned debt collectors list. I don't have a signed contract with them and there has never been a transfer of debt to them. They have no right to harass me. I have no business relationship with them. The y have not produced any evidence to prove they are even a legitimate business.

  Business Response

  Date: 06/13/2025

  On June 10, 2025, TrueAccord Corp. received the BBB complaint filed by ***** ****** (“the consumer”). Please note, TrueAccord received a substantially similar complaint from the CFPB on June 7, 2025.  We take every complaint seriously and appreciate the opportunity to address the consumer’s concerns. 

  TrueAccord is a third party debt collection company established to reimagine the debt collection experience for consumers. Founded in 2013, TrueAccord communicates primarily via email and offers an inbound customer service center in the event a consumer prefers to call in and speak with a live agent. One of our guiding principles is treating our consumer-customers with dignity and respect. We are a licensed and bonded agency and registered with the CFPB. We maintain a full-time internal compliance department that established our policies and procedures to meet the requirements of the state, federal and local laws and regulations governing collections. Our in-house training program instructs our agents on these policies, including annual refresher courses.

  We would like to assure the consumer that TrueAccord is a legitimate business. We can be located on the Better Business Bureau page located here: *********************************************************************************************. We are also registered with the CFPB. After investigating our business and finding that we are a legitimate company with positive reviews, we hope that the consumer feels comfortable knowing that TrueAccord is a legitimate business.

  TrueAccord does not own the account in question. The current creditor placed the account, including the consumer’s contact information, with us and we loaded it into our system on September 23, 2024. 
  
  On September 24, 2024, TrueAccord sent the consumer an initial email detailing the creditor, an itemization of the amount due, how the debt could be disputed, and the option to unsubscribe. It also included a link to the CFPB website (********************************) for the consumer to learn more information about their federal rights.

  On September 24, 2024,the same day as the above letter was sent, TrueAccord received the consumer’s unsubscribe request for emails. TrueAccord has not emailed the consumer since regarding this account. 

  On June 7, 2025, TrueAccord sent the consumer two (2) SMS and on the same day we received the consumer’s unsubscribe request.  TrueAccord has not communicated with the consumer since.

  This communication frequency does not meet the threshold for what the laws and regulations governing our industry consider to be harassment.
  

  TrueAccord has processed this complaint as a cease and desist request. TrueAccord will no longer contact the consumer regarding this account. 

  As a result of the cease and desist, the current creditor removed the consumer’s account from our system on June 10, 2025, therefore TrueAccord is no longer collecting on it. Since the account is no longer with TrueAccord, we have forwarded this complaint to the current creditor.

  If the consumer has any more questions about the account, we suggest they contact the current creditor directly. Thank you.

  
  

  Customer Answer

  Date: 07/03/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

  They are failing to mention they sent written correspondence and made phone calls. 

  This company is predatory. They illegally obtain people's data without their permission then proceed to solicit business.

  It is a disgusting business model. I have not seen one instance where they have had a positive review. Almost everyone who is contacted by them feels

  harassed, annoyed and solicited. They should not be allowed to continue with this business model. Why? Because there are thousands of other horrible companies just like them 

  and your email inbox can be overwhelmed by these inconsiderate, soulless money first individuals who don't understand there are real people on the other end of their harassing communications. They disrespected my Cease and Desist. They have to ask themselves what kind of world are they creating when they are harassing people that just want to be left alone. How many people end up giving up because of the constant harassment of predatory companies. I would love to sue for the violation of my cease and desist. TrueAccord they are monsters. Look online you see tons of lawsuits against them and tons of people complaining. I will say horrible things about them for the rest of my life. 
  
  
  
  Sincerely,
  
  
  
  ***** ******

  Business Response

  Date: 07/11/2025

  TrueAccord appreciates *** ****** providing TrueAccord with opportunities to respond to his concerns. At this time, TrueAccord has responded thoroughly and we do not have any additional information to provide. We again thank the consumer for allowing us to attempt to resolve this matter.

• Initial Complaint

  Date:06/05/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with charter communications. I do not have a contract with Trueaccord Corp. They did not provide me with the original contract as I requested.

  Business Response

  Date: 06/16/2025

  On June 9, 2025, TrueAccord Corp. received your BBB complaint. We take every complaint seriously and appreciate the opportunity to address your concerns. 

  TrueAccord is a third party debt collection company established to reimagine the debt collection experience for consumers. Founded in 2013, TrueAccord communicates primarily via email and offers an inbound customer service center in the event a consumer prefers to call in and speak with a live agent. One of our guiding principles is treating our consumer-customers with dignity and respect. We are a licensed and bonded agency and registered with the CFPB. We maintain a full-time internal compliance department that established our policies and procedures to exceed the minimum regulatory requirements of the state, federal and local laws governing collections. Our in-house training program instructs our agents on these policies, including annual refresher courses.
  

  TrueAccord does not own the account in question. The current creditor placed the account, including the contact information, with us and we loaded it into our system on July 16, 2024. 
  

  On July 18, 2024, TrueAccord sent you an initial letter detailing the creditor, an itemization of the amount due, and how the debt could be disputed. It also included a link to the CFPB website ********************************** for the you to learn more information about your federal rights.
  

  On June 6, 2025, TrueAccord received your identity theft dispute via an Automated Consumer Dispute Verification (ACDV) form from  the credit reporting agencies. TrueAccord requested debt verification from the current creditor and will send it to the address that we have on file. All collection activity has been paused pending the resolution of the identity theft dispute.
  

  As a result of this dispute, TrueAccord submitted a request on June 7, 2025 for the tradeline to be removed from your credit report. It typically takes around 45 days for the credit report to be updated by the credit bureaus. If you have additional questions regarding credit reporting, we suggest you reach out directly to the credit reporting agencies.
  

  If you have any more questions, you may contact us via email at [email protected] or by phone at ***** ********* Thank you.

  
  

  Customer Answer

  Date: 06/16/2025

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  ****** *****

• Initial Complaint

  Date:06/05/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I called to get a debt validation letter for a debt they said that I owe to Charter (Spectrum). They refused to send me a debt validation letter. I spoke with 3 people to try to get the letter, all 3 refused and the third person hung up on me. All they would do was push me to dispute the charge or pay it. They've reported this debt and its on my credit report but they can't validate that I owe it.... I explained that violated the Fair Debt Collection Practices Act (FDCPA), when I tried to explain further I was hung up on....

  Business Response

  Date: 06/12/2025

  On June 5, 2025, TrueAccord Corp. received the BBB complaint filed by ****** ***** (“the consumer”). We take every complaint seriously and appreciate the opportunity to address the consumer’s concerns. 

  TrueAccord is a third party debt collection company established to reimagine the debt collection experience for consumers. Founded in 2013, TrueAccord communicates primarily via email and offers an inbound customer service center in the event a consumer prefers to call in and speak with a live agent. One of our guiding principles is treating our consumer-customers with dignity and respect. We are a licensed and bonded agency and registered with the CFPB. We maintain a full-time internal compliance department that established our policies and procedures to meet the requirements of the state, federal and local laws and regulations governing collections. Our in-house training program instructs our agents on these policies, including annual refresher courses.

  TrueAccord does not own the account in question. The current creditor placed the account, including the consumer’s contact information, with us and we loaded it into our system on April 7, 2025. 
  
  On April 8, 2025, TrueAccord sent the consumer an initial email at ********************** detailing the creditor, an itemization of the amount due, how the debt could be disputed, and the option to unsubscribe. It also included a link to the CFPB website (********************************) for the consumer to learn more information about their federal rights. In addition, it provided the consumer information about the potential credit reporting associated with their account. 

  
  On June 5, 2025, the consumer contacted TrueAccord three  separate times via phone and spoke to three different agents. 

  During the first call, the consumer requested validation documents and informed us that we were reporting the account to the credit bureaus.  In response, the agent sent the consumer an email which provided the consumer a link to complete TrueAccord’s online dispute form. The agent informed the consumer that the account would be placed on hold for 30 days to allow the consumer to submit her dispute. 
  
  During the subsequent call, the consumer once again requested validation documents. The agent assisting her mentioned that a dispute would need to be processed in order for validation documents to be provided.  The consumer informed our agent we were violating the FDCPA by not providing validation documents. She reiterated that she did not want to dispute the debt but was looking for validation documents from TrueAccord and not the current creditor to determine if she was going to dispute the debt. 

  During the last call, the consumer immediately informed our agent that she was upset because TrueAccord was refusing to provide validation documents. To provide validation documents to the consumer, the agent stated that a dispute must be submitted to formally request and obtain these documents and the call abruptly ended.

  As a result of this complaint, TrueAccord has processed a cease and desist request. TrueAccord will no longer contact the consumer regarding this account. Subsequently, we are no longer collecting on the account. Since the account is no longer with TrueAccord, we have forwarded this complaint to the current creditor.

  As a result of this dispute that was processed, TrueAccord submitted a request on June 7, 2025 for the tradeline to be removed from the consumer’s credit report. It typically takes around 45 days for the credit report to be updated by the credit bureaus. If the consumer has additional questions regarding credit reporting, we suggest they reach out directly to the credit reporting agencies.

  Thank you. 
  

  
  

• Initial Complaint

  Date:06/04/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This is an extortion attempt, this company who I have no knowledge of and NEVER signed a contract with IN ANY REGARDS, is attempting to damage my credit. There is an open balanced of $199, and on my credit report it says "original creditor" They are a debt collection company for a debt I have no knowledge of. There is no information on what they're "collecting on" it just says collection for $199. I ask this be removed from my credit report Or I will sue in federal/state court for the MAXIMUM. I already sent certified mail which was not answered which violates the credit protection act. In addition to this you're required to show me my signature, the date of the purchase, what you're collecting on, who accepted payment and which card/debt card was used. I got none of this information and was ignored after sending certified mail. REMOVE THIS IMMEDIATLEY this is a crime.

  Business Response

  Date: 06/12/2025

  On June 5, 2025, TrueAccord Corp. received the BBB complaint filed by ******* ****** (“the consumer”). TrueAccord has not heard from the consumer prior to this complaint. We take every complaint seriously and appreciate the opportunity to address the consumer’s concerns. 

  TrueAccord is a third party debt collection company established to reimagine the debt collection experience for consumers. Founded in 2013, TrueAccord communicates primarily via email and offers an inbound customer service center in the event a consumer prefers to call in and speak with a live agent. One of our guiding principles is treating our consumer-customers with dignity and respect. We are a licensed and bonded agency and registered with the CFPB. We maintain a full-time internal compliance department that established our policies and procedures to meet the requirements of the state, federal and local laws and regulations governing collections. Our in-house training program instructs our agents on these policies, including annual refresher courses.

  TrueAccord does not own the account in question. The current creditor placed the account, including the consumer’s contact information, with us and we loaded it into our system on April 3, 2025.  

  On April 4, 2025, TrueAccord sent the consumer an initial letter detailing the creditor, an itemization of the amount due, and how the debt could be disputed. It also included the CFPB website (********************************) for the consumer to learn more information about their federal rights.

  On June 3, 2025, TrueAccord received the consumer’s dispute via an Automated Consumer Dispute Verification (ACDV) form from the credit reporting agencies.  We paused collection activity, requested debt verification from the current creditor, and will not resume collections until after the debt verification has been sent to the address on file. 

  As a result of this dispute, TrueAccord submitted a request on June 7, 2025 for the tradeline to be removed from the consumer’s credit report. It typically takes around 45 days for the credit report to be updated by the credit bureaus. If the consumer has additional questions regarding credit reporting, we suggest they reach out directly to the credit reporting agencies.

  If the consumer has any more questions, they may contact us via email at [email protected] or by phone at ***** ********. Thank you.
  
  

• Initial Complaint

  Date:06/03/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received debt collection emails from TrueAccord Corp. and previously from Diversified Adjustment Service regarding an old Verizon Wireless debt. TrueAccord claims I owe $2,346.91, though I originally owed $1,988.91—an amount I believed had already been paid or settled.
  
  I requested validation of the debt and only received a basic Verizon bill, not a full breakdown or proof of legal authority to collect. This does not satisfy FDCPA standards, and the lack of transparency makes it impossible to verify the legitimacy of the debt or the added charges.
  
  Diversified also contacted me prior to TrueAccord about what appears to be the same debt, raising concerns about improper duplication or reselling of the debt.
  
  I am requesting that the company:
  
  Provide full validation of the debt,
  Remove any unauthorized fees,
  Clarify if this debt is still valid or already settled,
  Cease all collection attempts until this is resolved.
  Remove all Tradelines.
  
  This situation is stressful and concerning. I want to resolve it, but I need transparency and fairness first.
  
  Sincerely,
  ******* *****

  Business Response

  Date: 06/10/2025

  On June 4, 2025, TrueAccord Corp. received the BBB complaint filed by ******* ***** (“the consumer”). We take every complaint seriously and appreciate the opportunity to address the consumer’s concerns. 

  TrueAccord is a third party debt collection company established to reimagine the debt collection experience for consumers. Founded in 2013, TrueAccord communicates primarily via email and offers an inbound customer service center in the event a consumer prefers to call in and speak with a live agent. One of our guiding principles is treating our consumer-customers with dignity and respect. We are a licensed and bonded agency and registered with the CFPB. We maintain a full-time internal compliance department that established our policies and procedures to meet the requirements of the state, federal and local laws and regulations governing collections. Our in-house training program instructs our agents on these policies, including annual refresher courses.

  As an initial matter, TrueAccord does not report to any of the credit bureaus for this creditor. If the consumer has questions regarding credit reporting, we suggest they reach out directly to the current creditor or the credit reporting agencies.

  TrueAccord does not own the account in question. The current creditor placed the account, including the consumer’s contact information, with us and we loaded it into our system on May 1, 2025.  

  On May 2, 2025, TrueAccord sent the consumer an initial email detailing the creditor, an itemization of the amount due, how the debt could be disputed, and the option to unsubscribe. It also included a link to the CFPB website (********************************) for the consumer to learn more information about their federal rights.

  On May 7, 2025, TrueAccord received the consumer’s email disputing this debt.  We processed this dispute, paused collection activity, and requested debt verification from the current creditor. TrueAccord has not and will not resume collections until after the debt verification has been sent to the address on file.

  To confirm, TrueAccord has not provided any documentation to the consumer, nor communicated with them since we processed the dispute. Furthermore, TrueAccord is unable to comment on any account that may have been placed with Diversified Adjustments.

  If the consumer has any more questions, they may contact us via email at [email protected] or by phone at (888) 316-5474. Thank you.

  
  

• Initial Complaint

  Date:05/31/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  You ignored my notice, failed to validate the debt, and continue harassing me via calls, texts, emails, and letters. This violates 11 U.S.C. § 362 & 15 U.S.C. § 1692c. I demand $3,000 within 20 days. Final warning—further legal action is imminent.
  
  You have failed to respond to my previous letter and continue to harass me with repeated, unauthorized attempts to collect a debt despite my active Chapter 7 bankruptcy filed on January 14, 2025. These actions are direct and knowing violations of federal law.
  
  Violations Include:
  
  1. Automatic Stay Violation – 11 U.S.C. § 362
  Under federal bankruptcy law, an automatic stay went into effect the moment I filed. This legally bars any attempt to collect on debts included in my case. Despite this, your agency has continued to contact me:
  
  Jan 3, 2025 – 2 text messages
  
  May 5, 2025 @ 4:50 PM – 1 text message
  
  May 8, 2025 @ 5:30 PM – 1 text message
  
  May 10, 2025 @ 5:13 PM – 1 email
  
  May 14 2025 – 1 mailed letter
  
  Multiple phone calls not previously listed
  
  2. FDCPA Violation – 15 U.S.C. § 1692c
  You are also in violation of the Fair Debt Collection Practices Act, which strictly prohibits debt collectors from contacting consumers under bankruptcy protection. Your continued communication is not only illegal but has caused ongoing stress and emotional distress.
  
  3. Failure to Validate the Debt – 15 U.S.C. § 1692g
  You have also failed to provide any debt validation after my initial request, which further violates federal law.
  
  My Demand:
  For your illegal and harassing actions, I am demanding compensation as follows:
  
  4 Text Messages: $500 each = $2,000
  
  1 Email: $500
  
  
  1 Mailed Letter: $500
  
  Total Due: $3,000
  Payment Instructions:
  Send a check made payable to me at my address on file within 20 business days of this letter.
  
  Failure to comply will result in immediate legal action, including a motion for sanctions, statutory damages, attorney’s fees, and any other remedies available under federal law.
  
  Sincerely,
  **** ** ********

  Business Response

  Date: 06/11/2025

  On June 2, 2025, TrueAccord Corp. received your BBB complaint. TrueAccord has not heard from you prior to this complaint. We take every complaint seriously and appreciate the opportunity to address your concerns.

  TrueAccord is a third party debt collection company established to reimagine the debt collection experience for consumers. Founded in 2013, TrueAccord communicates primarily via email and offers an inbound customer service center in the event a consumer prefers to call in and speak with a live agent. One of our guiding principles is treating our consumer-customers with dignity and respect. We are a licensed and bonded agency and are registered with the CFPB. We maintain a full-time internal compliance department that established our policies and procedures to exceed the minimum regulatory requirements of the state, federal and local laws governing collections. Our in-house training program instructs our agents on these policies, including annual refresher courses.
  

  As an initial matter, TrueAccord has two (2) accounts in our system. TrueAccord does not own any of the accounts in question.
  

  Account #1: Affirm ending in *****
  

  The current creditor placed the account, including your contact information, with us and we loaded it into our system on December 25, 2024. 
  

  On December 27, 2025, TrueAccord sent you an initial email detailing the creditor, an itemization of the amount due, and how the debt could be disputed. It also included a link to the CFPB website ********************************** for you to learn more information about your federal rights.
  

  Please note that in the regular course of business, the current creditor removed the account from our system on January 21, 2025, therefore TrueAccord is no longer collecting on it. The last communication sent to you by TrueAccord on this account was on January 5, 2025, which is prior to you filing for bankruptcy. Since the account is no longer with TrueAccord, we have forwarded this complaint to the current creditor.
  

  Account #2: Klarna ending in *****
  

  The current creditor placed the account, including your contact information, with us and we loaded it into our system on April 25, 2025.
  

  TrueAccord did not have knowledge of any bankruptcy associated with this account prior to receiving this complaint. TrueAccord runs a bankruptcy scrub upon an account’s placement in our system prior to beginning any collection activity. The bankruptcy scrub on this account returned no results, because the name and address was not an exact match with the contact information on the account. On May 13, 2025, TrueAccord received your email, and processed the bankruptcy notice on the account. TrueAccord immediately ceased communications.
  

  If you have  any more questions about the accounts, we suggest you contact the current creditors directly. 
  

  While investigating your complaint, we reached out to Affirm and they provided the following response: 
  

  Affirm records indicate that  loan O2LI-KSAA was processed on July 22, 2024 for a purchase with AlexSmallCreationsLLC.com in the amount of $125.00 with 0% APR. The agreed-upon repayment terms were for 3 biweekly installments of $31.25.
  

  The loan required a downpayment of $31.25 which was paid on July 19, 2024. The loan received no further payments and was charged off on December 18, 2024.
  

  Affirm encourages all customers to make payments on or before the scheduled due date. Customers won’t incur any late fees, but late payments may impact their ability to take out future loans with Affirm. If a payment is 30 or more days overdue some loans originated prior to April 1, 2025 may be reported to Experian as delinquent. If payments are more than 120 days overdue, Affirm reserves the right to refer the loan to one of our third-party collection partners. Once a loan has been charged off, the charge off status is irreversible. For information on credit reporting for repayment plans originated before April 1, 2025, please visit Affirm’s Help Center here: ****************************************************************************************************

  For your convenience, Affirm has attached a copy of both Truth in Lending Agreements and Loan Verification Letters to this response. Together these documents provide the validation that she seeks .
  

  Upon reviewing her concerns stating collection practices of the loan and her Bankruptcy filing. *** ******** filed for bankruptcy on January 14, 2025.  Loan O2LI-KSAA was processed on July 22, 2024 and charged off on December 18, 2024.
  

  In order for the status to apply, the charged off loan must be taken prior to petition date and payments must go past petition date. Therefore, this loan would not have been included.
  

  At this time, collections communications have been disabled on her behalf. She remains responsible for monitoring her loan statuses. For more information regarding repayment, she can call Affirm at *************
  

  Lastly, Affirm would like to assure her that Affirm complies with all requirements of the Fair Credit Reporting Act (“FCRA”) and the Fair Debt Collection Practices Act (“FDCPA”).
  

  In the event that she has any further questions, Affirm encourages her to reach out to Affirm via **************************************************

  Business Response

  Date: 06/30/2025

  On June 12, 2025, TrueAccord Corp. received your reply to our response filed on June 11, 2025.  
  

  As stated in our initial response, TrueAccord is a third party debt collection company, therefore we do not own and have never owned the account in question.
  

  We conducted further investigation upon receiving the consumer’s BBB reply. This investigation included reviewing the bankruptcy petition filed by the consumer, which is publicly available on PACER (attached). The Klarna account in question is not listed in the schedule of creditors/claims and Klarna is not listed in the list of creditors for this bankruptcy. As such, the courts never sent notification of the bankruptcy to Klarna or to TrueAccord. Thus, neither we nor Klarna had actual notice of the bankruptcy when it was filed. The first notice we received was when you emailed our office on May 13, 2025, and notified us of your bankruptcy. We immediately ceased collection communications at that point. 
  

  If you have any more questions about the account, we suggest you contact the current creditor directly. Thank you.

  Customer Answer

  Date: 07/01/2025

  To Whom It May Concern:
  
  
  This letter is in response to your June 12, 2025 communication regarding the Klarna account.
  
  
  Let me be absolutely clear: this debt was discharged as part of my Chapter 7 bankruptcy filed on January 14, 2025, under Case No. **************. Your suggestion that the Klarna debt is still valid because it was not individually named is both factually incorrect and legally irrelevant. The discharge injunction under 11 U.S.C. § 524 applies to all unsecured debts, listed or not, in a no-asset case such as mine.
  
  
  Whether Klarna or TrueAccord received direct notice from the court is immaterial. You are not exempt from federal law simply because you failed to perform proper due diligence. The minute you engaged in collection activity on a discharged debt, you were in violation of the discharge order.
  
  
  
  
  This is your formal notice and demand:
  
  
  Cease and desist all collection efforts immediately.
  Remove or correct any credit reporting related to this account to reflect a $0 balance with the notation “included in bankruptcy.”
  Provide written confirmation that no further action will be taken by your office or Klarna.
  
  
  
  
  
  
  Furthermore:
  
  I am actively considering pursuing legal action for damages under the Fair Debt Collection Practices Act (FDCPA) and for willful violation of the bankruptcy discharge injunction. If this matter is not resolved and corrected within 7 business days, I will proceed with formal complaints to the CFPB, FTC, the Better Business Bureau, and the U.S. Bankruptcy Court.
  
  
  I strongly urge you to forward this matter to your legal department immediately. I will not tolerate further harassment or illegal collection practices.
  
  
  Sincerely,
  **** * ********
  
  

• Initial Complaint

  Date:05/29/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with TRUE ACCORD CORPORATION. I do not have a contract with TRUE ACCORD CORPORATION. They did not provide me with the original contract as requested.

  Business Response

  Date: 06/05/2025

  TrueAccord Corp received the dispute filed with the BBB in this complaint.

  
  TrueAccord has processed the dispute. We have paused collection activity, requested debt verification from the current creditor, and will not resume collections until after the debt verification has been provided to the consumer.
  

  
  

• Initial Complaint

  Date:05/24/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Verizon wireless.I do not have contract with TrueAccord Corp, they did not provide me with the original contract as I requested.

  Business Response

  Date: 05/30/2025

  On May 27, 2025, TrueAccord Corp. received the BBB complaint filed by ****** ***** ****** (“the consumer”). TrueAccord has not heard from the consumer prior to this complaint. We take every complaint seriously and appreciate the opportunity to address the consumer’s concerns. 

  TrueAccord is a third party debt collection company established to reimagine the debt collection experience for consumers. Founded in 2013, TrueAccord communicates primarily via email and offers an inbound customer service center in the event a consumer prefers to call in and speak with a live agent. One of our guiding principles is treating our consumer-customers with dignity and respect. We are a licensed and bonded agency and registered with the CFPB. We maintain a full-time internal compliance department that established our policies and procedures to meet the requirements of the state, federal and local laws and regulations governing collections. Our in-house training program instructs our agents on these policies, including annual refresher courses.

  TrueAccord does not own the account in question. The current creditor placed the account, including the consumer’s contact information, with us and we loaded it into our system on March 13, 2025. 

  On March 15, 2025, TrueAccord sent the consumer an initial email to the same email listed on this complaint, [email protected], detailing the creditor, an itemization of the amount due, how the debt could be disputed, and the option to unsubscribe. It also included a link to the CFPB website (********************************) for the consumer to learn more information about their federal rights.

  As noted above, TrueAccord has not received any prior communication from the consumer concerning this debt prior to this complaint.  TrueAccord has processed this complaint as a dispute. We have paused collection activity, requested debt verification from the current creditor, and will not resume collections until after the debt verification has been sent to the address on file. 
  
  In addition, TrueAccord does not report to any of the credit bureaus for this creditor. If the consumer has questions regarding credit reporting, we suggest they reach out directly to the current creditor or the credit reporting agencies. Thank you.

  Customer Answer

  Date: 06/02/2025

  I am not liable for this debt with Verizon wireless and TrueAccord Corp, they did not provide me with the original contract as I requested, and I never received any information from them.I hereby demand this account be removed from my credit report as is my right per FCRA section
  623.(a)(i). This is my last request before I file a formal complaint with the CFPB and the FTC Thanks.

   

  
  

  Business Response

  Date: 06/10/2025

  On June 3, 2025, TrueAccord received ****** ***** ******’s follow up to our response filed on May 30, 2025. We appreciate you following up on this matter.

  As mentioned in our previous response, TrueAccord does not report to any of the credit bureaus for this creditor. We processed a dispute, paused collection activity, and requested debt verification from the current creditor. We will not resume collections until after the debt verification has been sent to the address on file. 

  If ****** ***** ****** has additional questions regarding credit reporting, we suggest that ****** reach out directly to the current creditor, Verizon Wireless, or the credit reporting agencies.

  Thank you.
  

  
  

• Initial Complaint

  Date:05/23/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  TrueAccord has been reaching out to me about a debt I allegedly owe Premiere Bank.
  
  Please be advised that I do not owe "TrueAccord" and money, and I am hereby asking you to please cease and desist all calls and contact with me immediately. To my knowledge, I have never done any business with True Accord. Any alleged debt that I may owe Premiere Bank is between myself and that company — not TrueAccord. If Premiere Bank believes that I owe them a debt, they can contact me directly through their company. To my knowledge, Premiere Bank has not attempted to contact me, only this TrueAccord company that I have no ties to.
  
  Thank you, and again, I am asking you to cease and desist. The only thing I'd like to hear from you is confirmation that you have received this communication and will stop further contact.

  Business Response

  Date: 05/29/2025

  On May 27, 2025, TrueAccord Corp. received your BBB complaint.  We take every complaint seriously and appreciate the opportunity to address your concerns. 

  TrueAccord is a third party debt collection company established to reimagine the debt collection experience for consumers. Founded in 2013, TrueAccord communicates primarily via email and offers an inbound customer service center in the event a consumer prefers to call in and speak with a live agent. One of our guiding principles is treating our consumer-customers with dignity and respect. We are a licensed and bonded agency and registered with the CFPB. We maintain a full-time internal compliance department that established our policies and procedures to exceed the minimum regulatory requirements of the state, federal and local laws governing collections. Our in-house training program instructs our agents on these policies, including annual refresher courses.
  

  TrueAccord does not own the account in question. The current creditor has placed this account with TrueAccord multiple times.  With each placement the current creditor provides the contact information to us and we load it into our system. The most recent placement was on April 25, 2025.
  

  On May 1, 2025, TrueAccord sent you an initial email detailing the creditor, an itemization of the amount due, how the debt could be disputed, and the option to unsubscribe. It also included a link to the CFPB website (********************************) for you to learn more information about your federal rights.
  

  TrueAccord has processed this complaint as a dispute and cease and desist request. Please note that we are no longer collecting on the account. Since the account is no longer with TrueAccord, we have forwarded this complaint to the current creditor.
  

  If you have any more questions about the account, we suggest you contact the current creditor directly. Thank you.

  Customer Answer

  Date: 05/29/2025

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  ******** *****

• Initial Complaint

  Date:05/22/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with *******, I do not have a contract with trueaccord, they did not provide me with the original contract as requested

  Business Response

  Date: 05/28/2025

  On May 23, 2025, TrueAccord Corp. received the BBB complaint filed by *********** ****** (“the consumer”). TrueAccord has not heard from the consumer prior to this complaint. We take every complaint seriously and appreciate the opportunity to address the consumer’s concerns. 
  TrueAccord is a third party debt collection company established to reimagine the debt collection experience for consumers. Founded in 2013, TrueAccord communicates primarily via email and offers an inbound customer service center in the event a consumer prefers to call in and speak with a live agent. One of our guiding principles is treating our consumer-customers with dignity and respect. We are a licensed and bonded agency and registered with the CFPB. We maintain a full-time internal compliance department that established our policies and procedures to meet the requirements of the state, federal and local laws and regulations governing collections. Our in-house training program instructs our agents on these policies, including annual refresher courses.
  As an initial matter, TrueAccord does not report to any of the credit bureaus for this creditor. If the consumer has questions regarding credit reporting, we suggest they reach out directly to the current creditor or the credit reporting agencies.
  TrueAccord does not own the account in question. The current creditor placed the account, including the consumer’s contact information, with us and we loaded it into our system on February 6, 2025. 
  
  On February 7, 2025, TrueAccord sent the consumer an initial email detailing the creditor, an itemization of the amount due, how the debt could be disputed, and the option to unsubscribe. It also included a link to the CFPB website (********************************) for the consumer to learn more information about their federal rights.
  TrueAccord has processed this complaint as a dispute. We have paused collection activity, requested debt verification from the current creditor, and will not resume collections until after the debt verification has been sent. 
  Please note, we do not have a current address for the consumer on file. In order to receive the verification documents, please have the consumer reach out to [email protected] or by phone at ***** ******** to provide an updated address. Thank you.