Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truists bank formally known as Suntrust Bank is my lien holder XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX, she states my amount owed was {$2000.00} total with late fees {$2100.00} This is Without XXXX and XXXX payment so I set up a payment arrangement. XXXX on Wednesday and XXXX on Monday XX/XX/XXXX called XXXX Tt XXXX Explained Id made the XXXX as agreed but my account read XXXX when time to pay the {$1400.00} and now the account logs me completely out, advised her I had proof to show the portal does not allow me to make the payment, and when I attempted to make the payment it showed the balanced owed was XXXX.. now time has passed and now my car has been repossessed. 

Says will connect me with auto department Spoke to XXXX XXXX with loan servicing Says past due amount to get out of repossession is XXXX said she can connect to repossession department XXXX tt XXXX who told me I need to pay XXXX asked why is this so when I was just told {$1500.00}, she says because I was late XXXX times and this is whats needed, and I have until Friday to give her an answer if I want to pay to keep it from going to Auction or not pay, so on Wednesday XX/XX/XXXX I called and XXXX XXXX and XXXX her I will pay but I need till the XXXX to pay it. She says thats enough time to keep it from going to Auction but I have to do a wire transfer but she can not give mw the information to do the wire until Im at the Truists bank branch to do it. 

XX/XX/XXXX tt rep XXXX XXXX he confirmed the amount is still {$5100.00} XXXX told him since the money was put into one bank account, its still showing pending so it will not allow me to do the wire today, he Says I can pay with cash bc the car isnt charged off and he gave me until XXXX since money in account still shows pending due to the holidays, he says once paid I can pick it back up from the XXXX XXXX who came to XXXX the car ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL ) XX/XX/XXXX tt XXXX with XXXX  on XXXX at XXXX to be sure the vehicle is still there and she Said the vehicle left for auction in XXXX XXXX XXXX XXXX XXXX. XXXX On the XXXX by driver XXXX XXXX XXXX XXXX. 
Called the auction they said the vehicle arrived on XX/XX/XXXX. 


XX/XX/XXXX XXXX explained the car has been moved from the repo yard with XXXX  on the XXXX and got to XXXX XXXX on the XXXX. He said arrangements was made on the XXXX and has to call corporate to find out why it was moved. XXXX then explained to me that in order for the car to come back to XXXX Id have to pay a storage fee, I asked to be transferred to the XXXX that he spoke to, which was XXXX, XXXX explained to me that if the car came back, I would have to pay {$600.00} or more to the XXXX yard for storage or I can just go pick up the car from XXXX XXXX, and not pay any addition Fees outside of the XXXX explained I would make the payment today, he says it takes about XXXX minutes for the approval, to be sent to the auction. Advised that will make the payment by XXXX XXXX 

XXXX XXXX XXXX advised at bank now and she okd to get a cashiers check Paid at branch XXXX XXXX called back and talked to XXXX who was then trying to get even more money out of me! I explained to her I was told I wouldnt have to pay any additional fees, she tried to dispute that so I explained I have her XXXX on record saying I dont owe anything else! So she submit it to clear to release to XXXX in XXXX around XXXX XXXX XXXXXXXX XXXX After I made payment an alert came on my phone showing my Truists auto loan account was charged off on my credit report XXXX Confirm no fees with XXXX an appointment was made on Monday at XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX came to pick up vehicle from XXXX XXXX XXXX Sign the release, ( I have copies ) rep stated front driver tire is flat, upon investigation, found it happened due to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX offered to plug the tire. ( front driver side ). The tire was slit with a huge gash in it ; they had to replace the tire. 

XX/XX/XXXX I called and asked why was my account showing charged off on my credit report and I am still locked out that I am unable to make payments. 
I was informed me that it does not show charged off on their end and I must not be looking at the right thing. I advised that they need to correct it or I will be contacting the FTC AND THE CFPB, she said to contact the bureaus on my own and fix it. 

I honestly feel like I was treated unfairly and was taken advantage of!

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