Consumer complaint received 2021-11-10
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In XXXX, XXXX an individual took a loan using my private and personal information. Complainant did not become award of debt until XXXX, XXXX after debtor ( SunTrust Mortgage ) joined me to this debt. Numerous request have been made to this lender to provide the contract with Complainant name affixed. They have ignored all request. Between XXXX SunTrust Mortgage ruined my credit file by placing fraudulent and multiple judgements for damages, debts, threatening to take my personal possessions and purchasing my student loan information they obtained after using the Patriot Act to access my credit file. SunTrust still refused to provide proof of debts. In order to reinforce the fraudulent debts being claimed by SunTrust ; the XXXX County Trial Court Judge XXXX instructed the Deeds Office to change on documents without a hearing, proof or any Petition being filed. In XXXX, XXXX U.S. National Bank Association took over non-existent contract and began harassing and threatening to confiscate Complainants personal possessions and selling them to the highest bidder, filed additional Judgements aside from previously filed by SunTrust Mortgage. XXXX XXXX filed fraudulent criminal charges against Complainant ; the Trial Court Judge and XXXX XXXX became angry and refiled the fraudulent misdemeanor charges that had been dismissed and further tampered with the judicial process by reassigning the case to another DJ and violating Complainants Rights to a fair hearing under the Constitution. All centering around the previous debtor ( SunTrust ) and current debtor ( U.S. National Bank Association ), et neither of which has ever had a contract with Complainant. Complainant discovered that current debtor had filed a Preacipe and changed debtors name from SunTrust to U.S. National Bank Association without notification to the Complainant and violating the Statue of Limitations again on Damages ( 2yrs ) and Contracts ( 4yrs ). Debtor ( SunTrust ) knew their debt against Complainant was beyond the Statue of Limitations but sought the Trial Court Judges illegal help by enlarging the time on their debt against Complainant whos a non-borrower. Complainant then discovered numerous debt actions in an adjacent County which U.S. National Bank XXXX  filed Preacipes to take over other debts without have valid contracts with these individuals that owe the debt. Over the last year the Trial Court Judge has recruited the local Government XXXX XXXX XXXX to file false actions without filing any formal complaint and in violation of Municipal Lien and Tax Act stating Complainant owed money and they were confiscating Complainant personal possessions because of an outstanding sewer and trash bill. Complainant sent the money owned as stated to the XXXX XXXX XXXX. XXXX XXXX XXXX refused to accept funds and further rejected future payments for Complainants trash and sewer quarterly bill. Phone contact with the XXXX Representative became hostile and the Representative blocked Complainants telephone number. Trial Court Judge instructed parties NOT to comply with any request issued from Complainant regarding the debt ( s ). The whole issue violates the Fair Credit Reporting and Debt Collection Act. These individuals have actively conspired together to ruin Complainants credit to prevent Complainant from obtaining a loan. ( Additional Documents to support claims are available )

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