Consumer complaint received 2021-03-03
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:
Suntrust Bank has defaulted by failing to respond to the Affidavit of Truth I sent to them on XXXX XXXX, as you know the only way to respond to and affidavit is in the form of an affidavit rebutting every fact line by line, notarized under the penalty of perjury. And un-rebutted affidavit stands as truth and fact in law. They failed to do this by responding with a letter/statement which doesnt constitute a proper response under federal law. Which means my Affidavit stands as truth. They also failed to compensate me for the many fdcpa and Tila violations they committed against me that I pointed out and attached exhibits for in my complaint I filed on XX/XX/XXXX, in this complaint I also notified them that they were attempting to collect a debt now owed. 

On XX/XX/XXXX I entered a consumer credit transaction with Suntrust Bank which I was the Original Creditor and seller with Suntrust Bank. I never ask them to send me a bill, I never gave them permission to send me a bill. On XX/XX/XXXX they sent me a bill in this bill was fdcpa violations which I cited and sent in with my first complaint. There was also Truth and Lending violations, that I cited about never receiving a material disclosure disclosing my right to rescission. Pursuant to 15 USC 1635 any consumer credit transaction involving a security interest must give you a right to rescind.

Suntrust Bank has also failed to comply with my Cease and Desist and was still contacting me through the mails and through different mediums such as email. This is a direct violation of 15 USC 1692g ( b ) that I attached in exhibit g. And still attempting to collect debt from me in the form of late fees. While we were going through a dispute process. Which all collection activities must stop when going through a dispute process. I am demanding Suntrust Bank to stop contacting me through any medium and to cease collections activities on the alleged debt during this dispute process or the will be in violation of the law, pursuant to 15 USC 1692g ( b ). 

Along with them defaulting by failing to respond to my affidavit, rebutting each fact line by line in affidavit form. They attempted to respond by sending a letter to me on XX/XX/XXXX and XX/XX/XXXX in which they committed more fdpca, truth and lending violations. Which I included in the attached exhibits. Their senior fraud Investigator XXXX XXXX, also stated that I have a loan with Suntrust Bank and told me I was required to pay this alleged debt and that I am responsible for it. She never stated I was required by law, which there is no such law that says I owe this debt and that I am responsible to pay this alleged debt. No one, by law is allowed to tell me I owe a debt and that I am responsible for such debt Persuant to 15 USC 1692g ( c ). And tried to tell me the law I was telling her she violated was tactics claiming federal reserve. I didnt know the law was tactics. She also used obscene and profane language and threatened me in said letter. That I cited with violations in my attached exhibits labeled as Exhibit D. 

I never received a loan from Suntrust Bank, I entered a consumer credit transaction where I was the creditor and seller with Suntrust Bank and granted Suntrust Bank the right to extend credit. Meaning my credit card was used to originate this consumer credit transaction. Making me the original creditor Pursuant to 15 USC 1602g which defines creditor. Which is a person ( natural person or organization ) who both regularly extends credit. And where an open end credit plan was used. My credit cardwas used making this alleged debt paid. A credit card according to 15 USC 1602i means any card, plate, coupon book, or the devices existing for the purpose of obtaining money, property, labor or services on credit. I used my credit card to obtain property ( this automobile ). This alleged debt was paid and I do not owe Suntrust Bank for this alleged debt.

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