Credit card or prepaid card -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6853138
Complaint Overview
Complaint ID: 6853138
Company: Truist Financial Corporation
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Difficulty submitting a dispute or getting information about a dispute over the phone
State: Florida
ZIP Code: 33125
Date Received: 2023-04-17T12:00:00-05:00
Date Sent to Company: 2023-04-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2023 Dear Sir/Madam, I am writing to request the removal of a late payment from my credit report that occurred during the XXXX pandemic. The late payment was for Account Ending in XXXX. I experienced financial difficulties during this time due to the pandemic, which made it challenging for me to make timely payments. I am now in the process of trying to purchase a home, and I am concerned that this late payment will negatively impact my ability to secure a mortgage. As you may know, a late payment on a credit report can stay on the report for up to seven years, and it can have a significant impact on my credit score. I would like to request that you remove this late payment from my credit report as a gesture of goodwill given the exceptional circumstances surrounding the XXXX pandemic. I have since regained my financial footing and have made every effort to stay current on my accounts. Based on my otherwise spotless payment history, I would like to request that you apply a goodwill adjustment to remove the late payment mark from my credit report. Granting this request will help me improve my overall credit history and demonstrate my consistency as a creditworthy borrower. Removing this late payment from my credit report would greatly improve my chances of obtaining a mortgage and realizing my dream of owning a home. I believe that this removal will help me rebuild my credit and achieve my financial goals. Thank you for your attention to this matter. If you require any further information or documentation, please do not hesitate to contact me. Sincerely, XXXX
Frequently Asked Questions
What is Complaint #6853138 about?
Complaint #6853138 was filed against Truist Financial Corporation regarding Credit card or prepaid card specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2023-04-17T12:00:00-05:00.
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 (Credit card or prepaid card) 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.