Vehicle loan or lease -- Getting a loan or lease -- Complaint #18860913
Complaint Overview
Complaint ID: 18860913
Company: Truist Financial Corporation
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Getting a loan or lease
Sub-Issue: Problem with additional add-on products or services purchased with the loan
State: Tennessee
ZIP Code: 377XX
Date Received: 2025-11-24T12:00:00-05:00
Date Sent to Company: 2026-01-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/2025 Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Complaint Regarding Deceptive Add-On Sales and Lack of Refund XXXX XXXX XXXX XXXX XXXX FL Dear XXXX, I am filing a complaint against XXXX XXXX XXXX located XXXX XXXX XXXX Florida, regarding unfair and deceptive practices related to add-on products and the withholding of a full refund. On XX/XX/2025, I purchased a 2025 XXXX XXXX from this dealer. During the transaction, the dealer refused to negotiate the vehicle price but then offered a tire and wheel service contract ( XXXX ) at a cost of {$780.00}. The dealer subsequently lowered the vehicles price to include this product, which I did not agree to purchase initially. I canceled this service contract within the allowed period ( by XX/XX/2025 ) to receive a full refund. I was advised to return to the dealership, which I did, but I have yet to receive my refund despite multiple follow-ups. It has now been over eight weeks since the request, and the dealership has failed to process my refund. I have the chain of emails and cancellation documentation as evidence of my efforts to resolve this issue. This constitutes a violation of federal laws and regulations regarding unfair business practices and undisclosed fees. I request that the CFPB investigate this matter and ensure I receive my full refund and that the dealer ceases such practices. Thank you for your attention. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #18860913 about?
Complaint #18860913 was filed against Truist Financial Corporation regarding Vehicle loan or lease specifically about Getting a loan or lease. It was received by the CFPB on 2025-11-24T12:00:00-05:00.
How did Truist Financial Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Vehicle loan or lease) and describe your issue in detail.
Can I see other complaints against Truist Financial Corporation?
Yes, visit the Truist Financial Corporation company profile at readthecomplaint.com/company/truist-financial-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.