Consumer complaint received 2024-11-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION (TN)

XXXX XXXX XXXX, I am emailing with a request that my XXXX # XXXX would be given a XXXX look and consideration. 

I contacted Truist the minute that I had a bad feeling about this transaction and was told that I did the right thing by contacting Truist. I was told this would be investigated and there was nothing I needed to do until I heard back and/or the person " XXXX XXXX XXXX XXXX actually provided me with the refund of my deposit. 

When I received the email on XX/XX/XXXX, that my case has been closed due to " Evidence indicates that I participated and/or received benefit from the transaction ( XXXX ) '', I was immediately concerned. I contacted Truist and they advised me to send this email request. At the time I placed my original call to Truist and reported, I stated that I have all communications with the individual. So I would have been happy to provide everything I had via email at that time, but that option was never offered. In the event, there was any question it would be closed and I would not even be contacted to provide any additional information, I would have immediately sent anything that was needed. 

I am now attaching " ALL '' my saved texts, emails and even a voicemail from this person, XXXX XXXX. In the notes of my XXXX # XXXX, you will see that we paid a deposit ( in XXXX different transactions via XXXX with my credit card ) to this individual, XXXX XXXX, to perform for my wife 's XXXX birthday party. As soon as he cancelled, I began requesting our deposit back, which started on XX/XX/XXXX. 

You will find numerous examples of excuses and/or clear dismissive behavior from this individual. I have several pdf 's providing proof of our communication and it is detailed below for each attachment to help provide any additional context that XXXX be needed to determine opening this case back up. The communication will consist of myself, my wife and XXXX XXXX. Some will be us as a group and others will be between myself and XXXX or my wife and XXXX. I did my best to compile everything into a chronological order to try and follow the timeline. I hope you will find enough details and evidence to proceed with investigating the disputed charges. He provides a continuation of excuses and from my own investigation into this individual, I found this is a pattern in which this person operates. 

I am also providing a contact person, XXXX XXXX, who has openly made himself available to communicate anything and everything he has on XXXX XXXX. My understanding is that XXXX XXXX is gathering affidavits, from around the country, documenting that XXXX XXXX has taken ( and kept ) money that he did not provide services or fulfill his contract. XXXX XXXX advised he intends to build a case to give to the local District Attorney 's office to further investigate and prosecute. I do not desire to join XXXX XXXX case with XXXX XXXX, but I do want my {$1500.00} back for services not provided. I hope that investigators for Truist will thoroughly review this information, and therefore justify my reason for dispute and resolve. If you require any additional information, please do not hesitate to contact me on my cell or email. 

I request that I get a written statement of the outcome and all XXXX of the investigation, so that I understand and document the findings. ( I have not received this from Truist ). 

Attached evidence... 
-Initial Correspondence XXXX shows the start of our conversations. Not much to work with other than, you can see communication was active. 
-Email of Offer Sheet- copy of email sending the offer sheet. 
-Offer Sheet- XXXX the attachment to the email " Email of Offer Sheet ''. This was prior to his request for additional deposit funds and we never received an executed copy. 
-Email Correspondence-Initial- similar to " Initial Correspondence XXXX '' but via email just to show active communication. 
-Correspondence XXXX request of additional deposit funds -Correspondence XXXX the amount in which he asked ..... I sent {$500.00} instead of {$300.00} because I thought it would be less cash I needed to provide the day of event. 
-Correspondence XXXX his cancellation and our follow up requests of getting our deposit back -Correspondence XXXX XXXX continued communication to recover our deposit XXXX audio of XXXX on XX/XX/XXXX. Listen all the way to the end of the message, after you hear XXXX beeps. The kindness in his voice changes ..... 
-Voicemail in text form- time stamped stating check is out. 
-Email about Refund- Finally replies back to us about the deposit and provides a picture of what he is sending. No submission, so most likely took the picture and then just backed out of the app. I don't think he actually hit " submit or continue ''. 
-Correspondence XXXX XXXX continued communication. It states XXXX XXXX XXXX because it was recent, but those dates are XX/XX/XXXX and XX/XX/XXXX. 
-Claimed Check Transfers- Never Received- pictures of what XXXX XXXX sent XXXX XXXX money was coming -Most Recent Email XXXX this email was sent XX/XX/XXXX after I made XXXX more attempt to call him and left a voicemail that I would be filing a police report. 
-Call to XXXX XXXX XXXX XXXX I believe this call prompted his email to me today almost right after. Why not call me back or answer? 
-Reply to latest Email XXXX Responded with a request to pay me before XX/XX/XXXX in order to drop the police report and credit card investigation. 
-Profile and Complaints on XXXX XXXX - his contact info and experience we were able to locate on social media. He is very good at hiding people connecting with him unless you join or follow him. I'm sure, XXXX XXXX could provide more evidence of the case against XXXX XXXX if you would like to connect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AL XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Ultimately, we were naive on our end before working with XXXX XXXX. But, we did find him on a website that XXXX XXXX  so we felt comfortable in using him because we didn't think they would allow someone like this on their site to offer services. When we contacted XXXX, he guided us to pay outside of the website platform and specified using XXXX. I'm attaching our response from the website where we found XXXX XXXX XXXX XXXX, now listed as XXXX XXXX ) along with their email reply. Though, they clearly say this individual has a profile that is expired, I am also attaching that he still shows up when you google search his so called band XXXX XXXX and if you click on it, you can see that it is renamed XXXX XXXX. 

The items listed above were provided to my credit card company in that chronological order. Below only allows me XXXX of attachments so I will not be able to provide all, but will try to provide the most important ones. If you need all of them or any that I did not upload, please let me know and I will do so. The last attachment was latest to date communication XX/XX/XXXX