Debt collection -- Attempts to collect debt not owed -- Complaint #5688213
Complaint Overview
Complaint ID: 5688213
Company: Truist Financial Corporation
Product: Debt collection
Sub-Product: Auto debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Georgia
ZIP Code: 30291
Date Received: 2022-06-20T12:00:00-05:00
Date Sent to Company: 2022-06-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against REGIONAL ACCEPTANCE CORP for violating a cease and desist notice they received XX/XX/2022 and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have attached a debt validation letter, a Cease-and-Desist notice, Exhibit A which is a copy of the account reporting on my XXXX consumer report, Exhibit B which is a copy of the account reporting on my XXXX consumer report and a pdf of an FTC report that will be labeled as Exhibit C when filing litigation in Federal Court to this complaint . There is no statute of limitation on fraud because I never contracted with them and they have no reason to have my identifying information. Also Pursuant 15 USC 1692g ( c ), I have not validated any alleged debt with REGIONAL ACCEPTANCE CORP and my failure to dispute the validity of these alleged debt shall not construct as an admission of liability. As of XXXX XXXX I have not received any documentary evidence, such as a trilateral contract, giving REGIONAL ACCEPTANCE CORP any right to collect on this alleged debt. It is my belief that REGIONAL ACCEPTANCE CORP are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from REGIONAL ACCEPTANCE CORP before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report. If REGIONAL ACCEPTANCE CORP can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me the consumer, prior to furnishing it on my consumer report, this has been a fraudulent furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
Frequently Asked Questions
What is Complaint #5688213 about?
Complaint #5688213 was filed against Truist Financial Corporation regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-06-20T12:00:00-05:00.
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 (Debt collection) 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.