Consumer complaint received 2025-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
My Dad passed away in late XXXX, I wanted to buy his truck and put in my name, The bank refused to talk to me about everything after making two or three payments over the phone. 
Sun Trust turned into Truist bank and the account number changed and never received any mail with updated account information from Truist bank. Without being able to get in touch with Truist Bank I was unable to make anymore payments over the phone. In XX/XX/XXXX, my dads truck got repossessed from my Dads estate, I looked out the window and saw a tow truck pull up and hook up to it. At that time I ran out and tried to tell the tow company what was going on, and tried calling Truist to get someone on the phone, but was unable too. The tow company let me grab my belongings out of the truck and was taken to the tow yard. My other truck had broke down and I was on foot with no vehicle. The following few days I scrambled to get ahold of anyone from XXXX who could help me, nobody would talk to me. Then the following Friday the tow company said a third party picked it up and took it to the XXXX auto auction. At the last minute a person from the tow company gave me the name and number to the third party tow company, I called them they said they have it and gave me a number to XXXX repossession line. I called the number and got through immediately, the woman on the phone stated she sent the orders for my dads truck that morning to be sent to the auction. She told me I had to get a notery sign by my sister ( executor ) saying I could get the truck from the auction. I had to get a cashiers check to pay off amount at auction yard that Monday at XXXX. I got my sister to drive me there because I lived an hour and a half away and was on foot. On XX/XX/XXXX I had to sell my mothers retirement to pay in full ( {$10000.00} ). On XX/XX/XXXX I got my dads truck back. After dealing with the stress and anxiety on not being informed or being able to make a financial decision on options to buy, I had to pay in full. About a week after getting the truck back, dealing with all this pressure that what had just been through, I was mentally drained and in shock that something like this could happened to a beneficiary. Trying to get over this whole ordeal, mentally draining me and stressed out, I sustained third degree burns on my lower body. I was admitted to the Burn unit for a month and having to go into wound care and XXXX XXXX ( treatment ) for an entire year. I had to start treatment when I got out of the XXXX XXXX. Monday through Friday, XXXX hours of XXXX XXXX XXXX hours of XXXX XXXX  XXXX hours of driving every week. All that driving put thousands of miles on the truck I just had pay off and pick up from the auction yard. I hope nothing like this ever happens to somebody who had legal right as a beneficiary, to buy there late fathers truck from the bank with other options other than having to jump through hoops to buy it from the auction by cashiers check only. At the time my dads truck was repossessed, Truist bank knew what the pay off was and the value it could get at auction. Truist bank intentionally inducing default by not communicating with the beneficiary in unfair practices to seize and profit from the sale for a profit. They failed their fiduciary duties to a beneficiary with their mismanagement of the account causing financial ruin, emotional distress and physical harm and damages, because they knew they would make a profit of the sale of the truck. Also, I have be XXXX with a medical condition since XX/XX/XXXX. Here are the numbers and email addresses I was given last minute to send everything into. 

Truist repossession ( XXXX ) XXXX. ( XXXX ) XXXX Truist loan ( XXXX ) XXXX. 
Email : XXXX XXXX XXXX XXXXXXXX ( third party tow company that took truck to auction yard ) XXXX 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