Consumer complaint received 2022-08-18
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX XXXX XXXX XXXX On XX/XX/XXXX, I emailed the dealership to inquire about a XXXX XXXX XXXX  XXXX with Sales Agent XXXX that I located on XXXX  website, XXXX XXXX XXXXXXXX. He texted me the vehicles price, including the sales price with taxes and all, totaling {$34000.00}. I paid a {$500.00} deposit via telephone on XX/XX/XXXX via credit card to hold the vehicle for purchase on XX/XX/XXXX. Financing was completed with my bank-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). My bank sent me a check for {$34000.00} via XXXX with a sealed envelope for the dealership to complete on XX/XX/XXXX, as I had 60 days to find a vehicle of my choosing. 
I met with XXXX XXXX, Finance Manager, to sign the Purchase the Order. Upon Signing, I informed XXXX XXXX that the sales numbers were different from what the sales agent texted me. XXXX XXXX advised that she would correct the contract as the MSRP was more than the advertised price shown and sent via text by the sales agent. I paid the dealership an additional payment of {$37000.00} via credit card. On XX/XX/XXXX, XXXX XXXX called me to inform me that I owed a balance of {$390.00}, of which I was not aware. On XX/XX/XXXX, I received a call from my bank, XXXXBranch Manager XXXX XXXX XXXX regarding an issue with the Purchase Order and the check amount that XXXX XXXX completed XXXX I told XXXX XXXX that I did not sign the check, and XXXX XXXX stated that she would have me sign a corrected Purchase Order after she contacted the dealership. I sent XXXX XXXX correspondence from the sales agent sent to me via text messages, including the sales numbers and my receipts of payments per her request. As I was waiting to sign the corrected Purchase Order with my bank via XXXX XXXX, XXXX XXXX submitted a new purchase order to the title clerk, XXXX, unbeknownst to me. 
The new Purchase order included a forged signature and forged /altered executed POA per XXXX XXXX email on XX/XX/XXXX that I did not authorize, nor did I complete. A police report was filed with XXXX XXXX Sherriff Office ; however, they too need to be investigated for Complicit Fraud in their attempt to cover up the fraudulent business practice of the dealership ( Major Fraud Unit ). A police report was also initiated with XXXX Police Department and The Federal Trade Commission ( FTC ) for identity theft and forgery. I have contacted the IRS regarding the documents XXXX XXXX submitted To the Georgia GA Department of Revenue -Motor Vehicle Division ( Form MV-1 Motor Vehicle Title Application ). On the MV1- Form Limited Power of Attorney that was not NOTARIZED In my presence, it states. It is a felon for any person to willfully enter false information on this form. Therefore, per her email, if this was the Limited Power of Attorney she referenced, it has nothing to do with forging or altering a sales contract.

ACKNOWLEDGMENT OF NOTARY was not Notarized in my presence as the documents I received when I exited the dealership.

Moreover, on the MV-1 form, XXXX XXXX indicated that the financing deal was a Directly Financed Dealer Sale, which is utterly false as my credit union has no affiliation with the dealership. Furthermore, I have filed a complaint with the Department of Justice for the Financial Crimes and Federal Reserves for the Fraudulent Check Deposit Fraud of the altered contract as XXXX XXXX gained an additional commission for the modified contract, she submitted my bank. 
After multiple requests for nearly 10 -11 months from the dealership that will NOT PROVIDE ME A COPY OF THE REQUESTED DOCUMENTS SUBMITTED ON MY BEHALF. 
On XX/XX/XXXX, the Consumer Law Department received a letter from XXXX XXXX. They could not address my concerns as they were not privileged to any agreements between me and the dealership as they did NOT fianc the deal, nor did I ever apply for a loan with XXXX XXXX. 
I spoke with XXXX at the Consumer Law Department as of XX/XX/XXXX, and XXXX advised that his office does not handle issues of theft or fraud and to contact the police Department, which I have done. 
I have obtained new identification due to the forgery/fraud and aggravated identify theft for the submission of documents submitted to various entities allegedly on my behalf. 

I am seeing Criminal Prosecution of the matter as I have filed complaints with the FTCXXXX XXXX XXXX XXXX Sherriffs Office, XXXX Police Department, CFPB, Department of Justice for Financial Crime , Office of the Comptrollers Office and FDIC for Check Fraud Deposit. 

Suntrust Bank Acct # XXXX Vin # XXXX Sales Contract # XXXX Sales Stock # XXXX

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