Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: OR

Complaint narrative:
Consumer Complaint Defective XXXX XXXX Breach of Contract, and Improper Financing/Lien Contractor : SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I entered into an agreement with Service Patriots dba AirPro Heating and Cooling for the installation of a mini-split HVAC system at a total contract price of approximately {$62000.00}. The agreed scope of work included installation of a complete and functional system, including WiFi control units and condensate pumps. The system was installed during the week of XX/XX/XXXX, and included a stated XXXX labor and parts warranty. A Retail Installment Contract ( XXXX ) was executed on XX/XX/XXXX, through XXXX XXXX XXXX. Contract Violations and Deficiencies : The contractor failed to complete the agreed installation. Specifically : WiFi control units were never installed. Condensate pumps we re never installed. Electrical permitting was not finalized or properly closed. These omissions resulted in an incomplete and non-compliant installation. System Failure and Refusal to Repair : On XX/XX/XXXX, the system began displaying error code XXXX and ceased functioning. I promptly notified the XXXX. Despite the system being under warranty, the owner XXXX XXXX XXXX XXXX XXXX ) explicitly refused to send a technician or perform any repairs. This refusal was confirmed on or about XX/XX/XXXX. This constitutes a clear breach of contract and warranty obligations. Improper Financing and Lien Activity : Despite the system being incomplete, non-functional, and subject to an active dispute, XXXX XXXX XXXX proceeded to file a lien against the property on or about XX/XX/XXXX. This action is improper and unfair for the following reasons : The underlying work was not completed as contracted. The installed system failed within the warranty period. The contractor refused to honor warranty obligations. The financing was tied to defective and incomplete work. Filing a lien under these circumstances represents an attempt to enforce payment for services that were not properly delivered and may constitute an unlawful or deceptive practice. Legal Basis : This complaint involves violations of Oregon law, including but not limited to : Breach of contract Breach of warranty Failure to complete permitted work Violations of XXXX XXXX XXXX XXXX XXXX XXXX ) requirements Unlawful Trade Practices under XXXX XXXX, including misrepresentation of services and failure to deliver contracted goods and services Requested Resolution : I am seeking the following : Removal of any XXXX or encumbrance placed on the property Full investigation of the contractors conduct Repair or full replacement of the HVAC system at no cost, or reimbursement for the cost of repair/replacement Review of the financing agreement due to defective and incomplete performance Any additional remedies available under Oregon consumer protection law I have documentation supporting all claims, including the original estimate, contract, communications, and evidence of system failure. I respectfully request that this matter be investigated and resolved promptly. Sincerely,

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