Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Madam and/or Sir, This is the second formal complaint I have filed against marcadis singer debt collection. Please see my first complaint submitted XX/XX/XXXX : # XXXX ] Despite my initial complaint, this company has continued to harass me and demand payment of an invalidated debt ; and continues to do so, now together with XXXX XXXX XXXX XXXX communicating to them that they have never proven I owe this debt and furthermore, care for my XXXX husband ( who is recieving Social Security and XXXX since XXXX [ Statute XXXX in below documentation, which I am exempt of garnishment proceedings ). I was also laid off from my job [ and remain unemployed ] since XXXX of XXXX which is very stressful and difficult for our family, as you can probably XXXX. 

I notified [ wells fargo ], and marcadis singer ( third party debt collector ) of this fact via letter in real time XX/XX/XXXX. They clearly ignored my email and requests ( among many attempts ) to cease and desist the harassment I have endured these last almost XXXX years ; and on XX/XX/XXXX, marcadis singer together with [ wells fargo ] seized my bank accounts ; essentially cleaning them out- without notice or legal precedent, for the following amounts : {$23000.00}, savings account {$2000.00}, emptying my account out, and now being charged fees with negative balance ; XXXX cd ( cert of deposit ) XXXX, + XXXX; totalling XXXX ( which is almost triple what they 'allege ' is owed ; and for a XXXX debt which I do not concede is mine. 

My attorney, XXXX XXXX XXXX has written [ wells fargo ] without response and I still have yet to have my money returned ; and a court date has still not been set. The email from XXXX XXXX to XXXX fargo representation is pasted as follows for your reference. I believe this email will provide you with the information and context you need. I have also pasted the motion to dissolve garnishment ( which also, we have yet to receive a court date or response ) following the email. 

Email to XXXX XXXX from XXXX XXXX, XXXX. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : Mon, XX/XX/XXXX at XXXX Subject : RE : XXXX XXXX XXXX, Case No : XXXX To : XXXX, XXXX, XXXX The garnishment for pursuant to garnishment has taken custody from XXXX individual accounts of XXXX XXXX XXXX XXXX Acct ending in XXXX {$1800.00} ; Business checking ending in XXXX {$23000.00} ; XXXX ending in XXXX {$2500.00} ; and XXXX ending in XXXX {$5000.00} ). The total proceeds that XXXX XXXX has sequestered from XXXX XXXX is {$33000.00}. Demand is made for XXXX XXXX to release the difference between the amount garnished ( {$16000.00} ) and the amount of funds XXXX XXXX had on deposit with XXXX XXXX which we believe is {$16000.00} ( {$33000.00} - {$16000.00} ). Please let me know what XXXX XXXX 's position is regarding this case. We filed a Claim of Exemption on XX/XX/XXXX and I am coordinating a hearing date with the XXXX and XXXX. XXXX XXXX is the sole provider for her husband who is a XXXX firefighter. 
Thank you. 
-- XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX Tel : ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Motion to dismiss garnishment : Reiteravely, XXXX XXXX, in concert with XXXX singer is a predetorial harassing abusive and fraudulent debt collector that has been actively causing me and my XXXX husband XXXX XXXX XXXX XXXX XXXX and myself XXXX XXXX XXXX XXXX  ) who have dedicated our lives and careers to serving our community, immense emotional distress, anguish, and has caused severe strain on our marriage, finances, as well being. Further, their actions are purely un-American. 

The damage is at this point, chronic; and I am pleading with you, the courts, and will also be filing subsequent complaints with the Attorney General and Florida XXXX to have them cease and desist these harassing tactics towards me ; to immediately return [ my ] money stolen from my bank accounts ; stop any and all stalking judgements they continually try to obtain against me ; and if needed, file a restraining order on them to leave XXXX alone, along with any additional legal penalties the court XXXX find suitable and fitting in my/our case. 

Statutes : XXXX. Florida XXXX XXXX ( XXXX of XXXX XXXX ) : Since the debtor supports a XXXX spouse, they likely qualify as a " head of family ''. Under this statute, 100 % of disposable earnings ( including wages and traceable bank deposits for up to XXXX months ) are exempt from garnishment if the individual earns {$750.00} or less per week. 

XXXX. Florida XXXX XXXX / XXXX : Unemployment benefits ( reemployment assistance ) are strictly exempt from garnishment or attachment by private creditors. 

XXXX. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : * * Limits the amount that can be garnished from any individual, even if they do not qualify for the " head of family '' exemption. 

We would appreciate and are in great need of your help in resolving this very traumatizing and time sensitive matter, as quickly as feasibly possible. Thank you so much in advance. 

Sincerely, XXXX and XXXX XXXX addendum XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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