Consumer complaint received 2022-07-09
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In response to CFPB complaint # XXXX My name is XXXX XXXX XXXX XXXX federally protected consumer, and I am making this complaint against Regional Acceptance Corporation for violating a cease and desist notice they received via mail XX/XX/XXXX. I am would also like to make a complaint against Truist. Regional Acceptance Corporation and now Truist for continuing to invade my privacy by committing abusive, deceptive and unfair debt collection practices.I have never given Truist any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debt until Truist or Regional Acceptance Corporation can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. As stated in your previous response this contract was assigned to you as the lienholder and service provider. Debt is brought not assigned so provide me with the documentation of this sale. If you were assigned to this contract who assigned it to you? Provide that name and the company that assigned it You also stated that this account was included in a Bankruptcy which was dismissed on XX/XX/XXXX. You then stated that the vehicle was surrendered and taken to action. Please provide me with the dates that this contract was assigned to you and the date that it was taken to an action and if it was sold at the auction provide proof of sale amount. You stated that you posted checks totaling {$8800.00} in XXXXProvide the exact date and proof of such checks. Alos elaborate on who this checks went to and how does that have to do with me. If you are saying that you paid {$8800.00} for this vehicle at the auction how was it assigned to you? You stated that you were unable to open XXXX attachment the cease and desist and debt validation. However you also stated " The cease and desist was added to your account on XX/XX/XXXX. You are stating that Regional is reporting accurately do you have my written instructions to report on my consumer file because I never gave my written consent or authorize Regional Acceptance Correspondence to report anything on my consumer file so how are you reporting accurately. You are actually reporting fraudulently. You stated that the account is charged off and the current/ past due balance is {$15000.00}. Not sure if you know the definition of charged off but I will provide it for you. A charge-off means a lender or creditor has written the account off as a loss, and the account is closed to future charges. Regional stated that you dont consider this account fraudulent. Regional a consumer determine what is fraud. Fraud is no consent, not only have I never gave you consent to furnish anything on my consumer file. I never authorize for you to have any of my non-public information. Furthermore you furnishing this to my credit report is harassing, oppressive, or abusive conduct. You are involved in unlawfully extortion, you are providing my information to the credit reporting agencies without my lawful consent. Regional Acceptance and Truist can be held criminally liable for aggravated identity theft pursuant 18 USC 1028A extortion, theft by deception, securities fraud and mail fraud.Stop reporting or send me the information I am requesting. I am not requesting a contract that was made with XXXX XXXX. I am requesting a contract that I made with you. I am also requesting that you provide me with proof of that sale at from the auction and who you posted checks totaling $ XXXX am requesting information from the year XXXX. You stated that are were assigned this debt is but it's a whole year unaccounted for.I will be providing the FTC to the credit reporting agencies because this account is fraud.

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