Consumer complaint received 2026-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
NOTICE OF RESCISSION AND RELEASE OF LIENI demand proof of authority from XXXX XXXX a division of Truist Bank. Who owns the note, who services the account, who holds the original instrument, how down payment was applied, what fees were added, what insurance or escrow activity occurred, and whether the party collecting has the lawful right to enforce the allege debt. XXXX XXXX a division of Truist Bank need to prove every claim. Im requesting the complete life of loan payment history, not a summary, the full Ledger. Every payment fee, late charge, suspense, account entry, escrow advance, corporate advance, fees, insurance disbursement, tax disbursement and charge off, And adjustment. XXXX XXXX a division of Truist Bank must follow XXXX. XXXX XXXX accepted the instrument that alleged borrower have tendered, XXXX XXXX have a claim or possessionary right in the instrument and its proceeds under XXXX of the UCC. Any defense and any claim in RE-COUPMENT under section XXXX of the UCC, which XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX if Plaintiff does not credit XXXX XXXX account and release the XXXX. The XXXX can identify who the principal is from, which capital and interest were taken, and who the recipient or who the payer of the funds are, and who is holding the account in escrow and unadjusted.Upon payment of all sums secured by this XXXX instrument. Lender will release this security instrument. Borrow will pay any recordation costs associated with such release. Lender XXXX charge borrow a fee for releasing this XXXX XXXX, but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under applicable law. failure of consideration, failure to XXXX, XXXX in the inducement, Constructive and XXXX XXXX of XXXX XXXX XXXX. XXXX give the slingshot to XXXX XXXX. However, I am demanding that you get my bank credits returned to mein the form of a XXXX " material breach '' of contract is a significant violation that fundamentally undermines the agreement 's purpose, allowing the non-breaching party to seek remedies like termination or XXXX agreement is void and XXXX XXXX is released from further XXXX XXXX initial breach is material, the other party to the contract is excused from performing his or her contractual XXXX materialbreach of contractrefers to a court finding that a party failed to satisfy their obligations significantly enough to where the aggrievedparty is entitled to aremedy. I am not terminating or canceling this contract, XXXX simply stating that unless you can rebut the claims brought against you in this notice with substantial evidence, then I discharge all liability contained in this alleged obligation, without recourse, and I am rescinding the security interest in this agreement and any right I waived unknowingly, unintentionally and involuntarily as I have found several violations including but not limited to : Failure of consideration, failure to disclose, violation of Truth In Lending Act and constructive fraud. I respectfully request prompt processing of this accountant and issuance of satisfaction of debt, release of XXXX or encumbrances related to this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, dismissal of pass, current and future court actions by XX/XX/XXXX. I request that you immediately CEASE and DESIST all actions with me. With this notice, under the law, XXXX XXXX can now only contact us to : XXXX. To advise us that XXXX XXXX a division of Truist Bank further efforts are being terminated ; XXXX. To notify us of remedies. Thank you for your assistance in this matter.

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