Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Summary : Attempted to get original loan notice and payment history from Regional Acceptance/Truist for 6 months, all while making payments, past my last payment due date.

Attempted to make loan payments and creditor would not accept payments, including them disconnecting the call, multiple times. 

In XXXX of 2025 I solicited the assistance of XXXX  XXXX XXXX | complaint XXXX ( including original loan documents, payment history ). XXXX  XXXX office was unsuccessful in their mediation attempts, documented via letters. 

Much later, the creditor sent history of payments. In those documents, it shows more than the contracted 72 payments, as agreed upon in the original loan documents. However Regional Acceptance continued to demand payments and each demand included varying loan balances and debts, none of which they could reconcile nor explain.

I sent a certified letter to the creditor that disputed the balance, demanded a refund of overpayments, corrections to consumer reporting bureaus, demanded auto title, solicited an accounting to justify their moving balances, and 'do not call ' via auto dialer. The creditor did not respond.

Despite that, the creditor attempted an illegal repossession of the vehicle in XX/XX/year>, breaching the peace, recorded ( and saved ) on XXXX XXXX  footage. The tow driver documented the incident, put the vehicle back into the driveway ( per his supervisor ) and left the premises ; themselves claiming that something 'shady ' was going on with Regional Acceptance. 

I sent another notice to the creditor in XXXX, outlining all details to-date, again - disputed the balance, demanded a refund of overpayments, corrections to consumer reporting bureaus, demanded auto title, solicited an accounting to justify their moving balances, and 'do not call ' via auto dialer. 

The creditor engaged in illegal credit/debt collection practices, failed to adhere to " do not call '' laws, engaged in illegal repossession of a vehicle while payments were in dispute and fails to abide by consumer laws. Copies of the complaint are sent to you office via XXXX certified mail on XX/XX/year>. 
________ Details : Type of Complaint | Auto loan servicing, Incorrect account status / paid-in-full dispute, Wrongful repossession attempt, Harassment / contact after cease request, Credit reporting errors, Failure to investigate dispute, Unfair, deceptive, or abusive acts or practices ( UDAAP ) On XX/XX/year>, I received a " Notice of Right to Cure Default '' from Regional Acceptance even though my loan obligation had been completed. On XX/XX/year>, I sent a certified formal dispute and demand letter stating : My auto loan obligation was completed and paid in full, I had overpaid after the XXXX payment and demanded a refund, I demanded confirmation of paid-in-full status and account closure, I demanded cessation of all collection activity, including phone calls and automated dialers, I demanded correction of any inaccurate credit reporting, and I provided a 15businessday deadline to respond.

I also filed a formal complaint with the Pennsylvania Office of Attorney General, which Regional Acceptance acknowledged and responded to. Despite this : Regional Acceptance never responded to my certified dispute letter.

They continued to contact me using phone calls and automated dialer systems after being instructed to stop. They failed to correct the account status or provide any accounting or validation. 

Illegal Repossession Attempt On the morning of XX/XX/year> at approximately XXXX XXXX, Regional Acceptance hired XXXX XXXX XXXX to repossess my vehicle, despite : My account being formally disputed, My demand for cessation of all collection activity, and A pending Pennsylvania Attorney General investigation.

The tow operator arrived in the early morning darkness, triggering my home security system and forcing my partner and me outside in freezing weather. I informed the driver that : My loan was paid in full, I had an open AG complaint, I had just returned from the XXXX  and was not medically well. 

After reviewing my documentation and contacting his supervisor, the tow operator refused to take my car, stating that he did not want to " be involved in a legal battle. '' The vehicle was left in my possession. 

This was a wrongful and illegal repossession attempt. 

Medical Harm and Work Disruption As a direct result of this event, I experienced : Severe XXXX  XXXXXXXX XXXX XXXX  and crying XXXX XXXX destabilization I was forced to : Remain home with a XXXX XXXX monitor, Cancel a timesensitive work assignment involving ADA compliance audits in XXXX XXXX, and Seek additional medical evaluation, resulting in new medical expenses. 

Nature of Harm Emotional XXXX  Physical/medical harm Economic harm Professional harm Ongoing XXXX  related to credit, vehicle, and safety What I Am Requesting as Resolution I request that the CFPB require Regional Acceptance / Truist to : Provide written confirmation that my auto loan is paid in full and the account is closed. 
Immediately release the vehicle lien and provide title.

Provide a full accounting of payments and refund all overpayments.

Permanently cease all collection and contact activity.

Correct all inaccurate credit bureau reporting.

Provide a written explanation for the wrongful repossession order.

Compensate me for medical costs, work disruption, and damages caused by this illegal conduct.

Supporting Documents Available Certified dispute & demand letter dated XX/XX/year> Pennsylvania Attorney General complaint and acknowledgment Notice of Right to Cure Default dated XX/XX/year> Ring camera video of repossession attempt Medical documentation from XXXX  and followup care Witness statements ( tow operator and partner ) I certify that the information in this complaint is true and accurate to the best of my knowledge. 

Signature : XXXX XXXX XXXX : XX/XX/year>

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