Consumer complaint received 2025-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
b"Complaint Regarding Abusive, Predatory, and Deceptive Conduct by Regional Acceptance Corporation\nTo:\nConsumer Financial Protection Bureau (CFPB)\nCalifornia Department of Financial Protection and Innovation (DFPI)\ncc: Regional Acceptance Corporation\nComplainant Information\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXContract and Payment History\nI originally purchased my vehicle from XXXX  and the loan was later assigned to Regional Acceptance Corporation.\n\nMy first statement from Regional is dated XXXX and shows a 20-Day Payoff valid through XXXX in the amount of XXXX.\n\nOver the past seven years, I have paid approximately XXXX or more on this loan. Despite paying nearly double the original loan amount, Regional claims I still owed about XXXX\n\nOn XXXX XXXX XXXX my vehicle was repossessed. Regional is now demanding XXXX as the past-due amount and stated that if I do not pay, they will sell my vehicle within 10 days, while also adding XXXX  per day in storage fees.\n\nThey have not provided the legally required written Notice of Intent to Sell or told me where my vehicle is located. I informed Regional months ago that the loan should be considered paid off or renegotiated due to how much I have already paid. Instead, they ignored me, falsely claimed I 'breached the contract,' and escalated to repossession and threats of sale.\nDenial of Access to Vehicle Location by Law Enforcement and Repossession Company\nMy vehicle was repossessed between XXXX AM and XXXX AM on XXXX XXXX XXXX XXXX XXXX XXXX PM the same day, I still do not know where my vehicle is.\n\nThe repossession organization reported the repossession to local law enforcement but will not release the location to me. I called the non-emergency line and spoke with XXXX XXXX, who would not give her name or badge number. I was told law enforcement would not do anything to help me and that I must contact the repossession company instead.\n\nI have called and emailed the company but received no response. I have also been denied access to retrieve my personal property from the vehicle, as required under California Civil Code  1812.609.\nEmotional Abuse and Willful Harm\nI informed Regional Acceptance Corporation that I am under doctors care and explicitly told their employees not to abuse or harm me.\n\nDespite this, they continued to intentionally, wantonly, and maliciously harm me with emotional aggression, harassment, and disrespect.\n\nThey ignored my medical condition, and their actions caused me severe anxiety, distress, and trauma, including repeated macroaggressions.\n\nI begged them to stop harming me, but they continued.\n\nThis behavior violates my rights under both the California Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act (15 U.S.C.  1692d), which prohibit any conduct that harasses, oppresses, or abuses a consumer in connection with collecting a debt.\nParties Involved in Causing Harm\nThis harm was caused not only by Regional Acceptance Corporation, but also by Contracted Location Services, the repossession company they hired, and the tow truck driver acting as their agent.\n\nAdditionally, local California law enforcement was notified of the repossession but refused to assist or provide the vehicles location, despite my repeated requests..\n\nAll of these parties engaged in behavior that was instigating, inciting, and provoking, using their words and actions to deliberately escalate the situation, push me into emotional distress, and then blame me for their own misconduct.\n\nThey acted together to inflict harm through intimidation, deception, harassment, and emotional abuse to block me from my property and silence my voice.\n\nThey are all responsible for the abuse, harm, and violations of law described in this complaint.\nLegal Violations\n- California Civil Code  1812.609  No Notice of Intent to Sell; denied access to personal property; demanding fees without notice\n- California Civil Code  2983.2  Failed to provide the required written notice of the reinstatement amount and location of the vehicle\n- California Fair Debt Collection Practices Act (Cal. Civ. Code 1788 et seq.)  Verbal abuse, harassment, and false claim of breach\n- Fair Debt Collection Practices Act (FDCPA, 15 U.S.C. 1692 et seq.)  Threats, intimidation, false representations, emotional abuse\n- Truth in Lending Act (15 U.S.C. 1601 et seq.)  Refusing to honor original contract terms and failing to disclose accurate balances\n- Consumer Financial Protection Act (12 U.S.C. 5531)  Engaging in unfair, deceptive, and abusive acts or practices (UDAAP)\nPrior Written Communication\nOn XXXX XXXX XXXX, I sent the following email to Benchmark Asset Resolution Inc. and copied the executive and corporate offices of Regional Acceptance Corporation:\n\nSubject: Regional Acceptance Corporation Executive Attention Requested  Who Has Custody of My Vehicle and Property\nTo: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told by XXXX XXXX XXXX XXXX XXXX that XXXX XXXX XXXX XXXX  was handling my repossessed vehicle on behalf of Regional Acceptance Corporation.\n\nI attempted to register my VIN on your website XXXX but could not complete the registration.\nI called (XXXX XXXX, left a voicemail, and emailed XXXX\n\nYou replied:\nWe didnt pick up your car. Please contact your lender to find out who did.\n\nPlease confirm in writing:\n XXXX XXXX  has any involvement (assignment, transport, or storage) with my vehicle.\n If not, please identify who does  including the company name, storage yard address, and a direct phone number  so I can retrieve my personal property as required by California Civil Code  1812.609.\n\nThank you,\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnRequested Action\nI request that:\n1. The sale of my vehicle be immediately stopped until this complaint is resolved.\n2. Regional Acceptance Corporation be required to provide:\n   - My full payment history\n   - A complete copy of the original signed contract\n   - An itemized payoff statement showing all charges\n3. Regionals abusive collection practices and misrepresentation of a 'breach' be fully investigated.\n4. I be allowed to recover my personal property from the vehicle without further delay or obstruction.\n5. This account be reviewed for adjustment or closure as paid in full based on the amount I have already paid."

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