Vehicle loan or lease -- Managing the loan or lease -- Complaint #9621417
Complaint Overview
Complaint ID: 9621417
Company: Truist Financial Corporation
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Managing the loan or lease
Sub-Issue: Billing problem
State: Mississippi
ZIP Code: 39046
Date Received: 2024-07-25T12:00:00-05:00
Date Sent to Company: 2024-07-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I submitted an online payment for my car loan to Truist Bank in the amount of {$640.00} ( XX/XX/year> payment ). I took a screenshot of the confirmation of payment as soon as it was submitted. On XX/XX/year>, I received notification from my bank that Truist charged me {$1200.00}. I contacted Truist, explained the situation and the representative told me that I made a payment for XXXX and XXXX and since I caused the error, they couldnt reverse the payment. I advised the representative that I did not make a double payment because at the time only the XXXX payment was due and my confirmation shows that only {$640.00} was paid. She said it was nothing they could do. I told her that fraudulent activity occurred because this is not a payment amount that I authorized and taking that amount of money from my account has caused a strain because I have other bills. I advised her that I was disappointed in the situation and the lack of concern for an error made by their staff/system. She told me that I would accrue a fee if the payment was returned by my bank even though I was charged more than what I authorized. She did say that she could see my payment of {$640.00} on XX/XX/year>, but continued to blame me for the additional {$640.00}. However, she couldnt tell me when the additional payment was applied or from what source. She said she didnt know how to access it in the system.
Frequently Asked Questions
What is Complaint #9621417 about?
Complaint #9621417 was filed against Truist Financial Corporation regarding Vehicle loan or lease specifically about Managing the loan or lease. It was received by the CFPB on 2024-07-25T12:00:00-05:00.
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.