Consumer complaint received 2021-07-20
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX a company I do not know and have never done business with ; signed any contracts with. Illegally seized/ stole my property XXXX land vessel ) on XX/XX/2021 without any lawful right to do so. This is a direct violation of my consumer rights as a federally protected consumer. Pursuant to 15 USC 1692e ( 4 ). This company is acting as a third party debt collector, who was hired by another third party XXXX XXXX XXXX, XXXX who I also dont have any contracts with never done business with and did not give my location information. I never gave XXXX XXXX XXXX XXXX  my location information and they infringed on my right to privacy by invasion 15 USC 1692 ( a ) by coming to my domicile and ceasing my vehicle without any judicial order or my judicial process, this is abusive practices. XXXX is aware and has proof that XXXX XXXX XXXX is in violation of 15 USC 1692c, communicating with the consumer ( me ) without prior consent of the consumer given directly to the debt collector or express permission of a court competent jurisdiction which they had neither. I NEVER GAVE XXXX XXXX XXXX XXXX CONSENT TO CONTACT ME!!! Theyre also contact me at and unusual time pursuant to 15 USC 1692c ( 1 ) Congress said a debt collector shall ASSUME that a convenient time is after XXXX and before XXXX. This was not a convenient time for agent/owner XXXX XXXX to contact me by phone inquiring about my property and she is also on in violation of my location information because I didnt give it to her or cons by to her having it, her tow driver seizing and illegally repossessing my land vessel/ property is also violation of said law. This was in inconvenient to me and has caused emotional distress and injury! They also violated me by attempting to communicate with XXXX XXXX, who is a third party I am a consumer and natural person and have a right to privacy at all times and they are in violation pursuant to 15 USC 1692c ( b ) for indirectly contacting me without consent. I have sent XXXX XXXX XXXX, XXXX a CEASE AND DESIST 15 USC 1692c ( c ) and they should not contact me further or in the future unless to notify me of their efforts to attempt sale my property is being terminated and their plans to invoke my remedy of returning my property to me immediately upon receiving this notice and pay attached invoice for the violations committed against me by this debt collector. XXXX XXXX XXXX, XXXX Are also in violation of causing my telephone to ring on XX/XX/2021 to harass me in an attempt to collect a debt ; to seize my property as collateral for and alleged debt for non-payment. Which is unlawful and illegal pursuant to 15 USC 1692d ( 5 ) and 15 USC 1692d ( 6 ) placing a call to me without meaningful disclosure of the callers identity and not telling me this was an attempt to collect a debt. They also came to my domicile to repossess my property with false and misleading representations/ documents violation of 15 USC 1692e. Which states a debt collector may not use any false, deceptive, or misleading representations or means in connection with collection of any debt. 15 USC 1692e ( 5 ) threat to take any action that can not legally be taken, they had no LEGAL RIGHT TO DO SO. By law a consumer has a right to due process and a judicial process, meaning this IS TOTALLY ILLEGAL AND COMPLETE FRAUD FOR THIS TOW COMPANY XXXX XXXX XXXX XXXX TO TOW/ REPOSSESS MY PROPERTY AS THEY HAVE NO JURISDICTION OVER ME OR THIS MATTER as I DONT HAVE A CONTRACT WITH THIS TOW COMPANY, so they stole my property and I want it RETURNED TO ME IMMEDIATELY AND FOR THEM TO ANSWER AND RESPOND TO MY COMMERCIAL AFFIDAVIT THAT WAS SENT TO THEM. This tow company never presented me with any sworn affidavit that would provide validity to their assessment ( who owes, and what, why, how and for what reasons ) Their was no paperwork therefore there is NO CLAIM. As I dont have a CONTRACT with this tow company. So this is their NOTICE of my affidavit sent to them that needs to be rebutted point by point with another affidavit sworn under the penalty of perjury. By law this is the boy way to respond to an affidavit, I would also like them to provide me with a CONTRACT WITH MY SIGNATURE ON IT, in which I am in default and list the goods and services that they have provided to me? Because I NEVER SIGNED A CONTRACT WITH THIS COMPANY AND I AM INSISTING AND DEMANDING THEY STAY OUT OF MY COMMERCIAL AFFAIRS. As they are attempting to collect a debt on behalf of another company SUNTRUST BANK WHI I AM IN DISPUTE WITH AND I ALSO GAVE THEM A CEASE AND DESIST WHICH THEY VIOLATED BU SENDING THIS TOW COMPANY TO MY PROPERTY, which is a third party and a form of communication. XXXX XXXX XXXX XXXX can and will be held criminally and civilly liable if they do not RETURN MY PROPERTY, for STEALING AND INFRINGING ON MY FEDERALLY PROTECTED RIGHTS, pursuant to 15 USC 1611 for willfully and knowingly giving false information to me and failing to provide me information which he is required to disclose. When I ask to see the documents they said they had the driver refuse to show me which is the against the LAW. Its my property and I HAVE A RIGHT TO SEE AND KNOW they didnt disclose the information to me 15 usc 1611 ( 1 ). Lastly they are in violation of 15 USC 1692f for unfair practices for TAKING MY LAND VESSEL/PROPERTY A NONJUDICIAL ACTION TO EFFECT DISPOSSESSION OR DISABLEMENTOF PROPERTY!!! Because there was no present right 15 ISC 1692f ( a ) to possession of the property CLAIMED COLLATERAL 15 USC 1692f ( c ) the property is exempt by law from dispossession, BECAUSE THIIS DEBT WAS DISPUTED AND WASNT proven valid by SUBTRUST BANK! This was a disputed debt and ASSOCIATES ASSET RECOVERY HAD NO BUSINESS INVOLVING THEMSELVESIN MY COMMERCIAL AFFAIRS AND IM A CONSUMER WHO JAS A RIGHT TO PRIVACY! 
I am DEMANDING they RETURN MY PROPERTY AND PAY THE ATTACHED INVOICE FOR VIOLATING ME AS A FEDERALLY PROTECTED CONSUMER! And respond to my Affidavit in 10 days or I will file a criminal complaint and enforce my lawful rights for failure to do so! 
THIS IS YOUR FORMAL NOTICE, ASSOCIATE ASSET RECOVERY! 

RETURN MY PROPERTY IMMEDIATELY ALONG WITH MY CREDIT CARD ( plate ) YOU STOLE OFF MY LAND VESSEL/PROPERTY!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation