Debt collection -- Written notification about debt -- Complaint #6644564
Complaint Overview
Complaint ID: 6644564
Company: Truist Financial Corporation
Product: Debt collection
Sub-Product: Auto debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: South Carolina
ZIP Code: 29169
Date Received: 2023-03-03T12:00:00-05:00
Date Sent to Company: 2023-03-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On XX/XX/XXXX I received a letter from the IRS stating that because of {$14000.00} of debt canceled by Regional Acceptance ( auto loan ), I owed {$4100.00} due to the IRS by XX/XX/XXXX. As I never received notice of debt cancellation ( 1099-C ) about this loan account # XXXX from regional acceptance I began calling on XX/XX/XXXX to XXXX ( option XXXX ). As of today XXXX, I have called and left messages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX with my account number and call back #. There has been no response from the company nor can I speak to a live representative I only receive a voicemail option when I called XXXX option XXXX. My concerns are that : a ) I never received debt cancellation notice. This debt was a joint loan with my ex husband from 2017 in which I was not fully responsible for as we both signed. b ) This company makes it impossible to speak with someone to resolve issues. c ) This is affecting my livelihood as the IRS has sent a letter stating that because of this I owe {$4100.00}. d ) I can not dispute this with the IRS because I can never get in contact with anyone at Regional Acceptance. This feels like fraud and it's company abuse.
Frequently Asked Questions
What is Complaint #6644564 about?
Complaint #6644564 was filed against Truist Financial Corporation regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2023-03-03T12:00:00-05:00.
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.