Consumer complaint received 2020-06-30
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/XXXX, Regional Acceptance offered an auto loan to person X and myself as a co-signer. This contract was created under duress and after suffering physical and mental abuse by this individual ( person X ). The individual defaulted on the loan and the car was repossessed. All of which I was not aware of until Regional  Acceptance start their harassing and threatening phone calls in XXXX. At the time I lived in Arizona, which operates on Mountain Standard Time vs Regional Acceptance which operates on Eastern Standard Time. I let the representative know this multiple times AND requested that they only contact me via writing. The robo-calls continued and when it was a human they simply stated that, " We are debt collectors - we can do that. '' I let them know that they were calling me at XXXX XXXX. Representatives yelled at me, called me an XXXX, told me get over it, said they would sue me, and told me to take out whatever loan necessary to make them go away. 

All behaviors that Regional Acceptance has ongoing litigation concerning and have been sued for. I could no longer take the continuous harassment as it was impacting my sleep and my ability to do my job ; since I need to have my phone on when I am on-call. I asked for information to set up a payment plan and nothing was sent. Please note that the company was using incorrect and nondeliverable addresses which were reported to credit agencies. Regional Acceptance sold the account to FBCS without letting me know it was sold. When XXXX contacted me I asked if paying this would stop Regional Acceptance 's harassment, they said yes. I entered a payment play with XXXX and paid over {$3000.00} over the course of 2 years. ( Please Note : Since requesting that Regional Acceptance delete this file from my account - my online portal information has disappeared. ) During the repayment process I contacted Regional Acceptance, who assured me that Upon successfully paying the account in full, the account would be deleted from your record. I held  up my end of the contract, they are not adhering to the agreement we agreed upon. 

I have reached out to the company and attempted to contact them through the reporting agencies. My efforts have been in vain. A representative of Regional Acceptance. XXXX called asked me multiple questions about the vehicle and then said, There is nothing we can do. As long as this account is connected to my name, I am connected to person X. Some how this individual has gotten my contact information due to our association with this vehicle. I fear for my safety and have since moved across the country.I simply do not want to be associated with this account, nor this individual ( who's name appears on my credit report ) any longer. I have suffered from anxiety, XXXX, and constant fear that this individual will be able to find me, use my information, or get other credit due to his previous association with me. Since requesting that this account be deleted ; agencies have reported that this account has been reopened, verified, and an updated payment history has been reported by the big 3. Please help with this matter.

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