Consumer complaint received 2024-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I filed a complaint with the CFPB back on XX/XX/XXXX complaint XXXX. 
Prior to the merger at Truist, I was a successful realtor and I was managing a successful credit counseling business, and I was expanding my business to include courses. From XXXX XXXX XX/XX/XXXX I struggled access to my mobile banking despite working with several customer service representatives, in-person visits, and every method I could think of to take corrective measures. Despite submitting a correspondence receipt to have the car on auto pay it was not processed and beyond that, most of my account 's auto pay stopped working effectively despite working several hours constantly to find a resolve. 
Truist often times then and now can not locate my accounts at any given notice. My merchant account was frozen because they were not able to recoup payments despite requesting it be set up at the bank directly. As a result of Truist Banks Negligence I exhausted my funds because they froze my business bank account linked to my merchant account that accepted all recurring payments from my clients because they performed an internal offset and deducted money from my account that I did not know were owed at that time. I called their Fraud Department to inquire about what the charge was for and the representative did not recognize the balance was an internal charge and despite my request for him not freeze my account he did it any way and as a result I could not manage my businesses effectively. I ultimately exhausted funds while working with XXXX XXXX XXXX a Truist Client Advocate. Upon the completion of her investigation, she only responded with the obvious that my accounts were damaged but she did not address why my communications with the bank were not followed which resulted in great financial harm. I was abducted in a recently purchased XXXX XXXX and I was abducted in the vehicle when I was lured by a " XXXX  XXXX '' to a XXXX XXXX where I was XXXX XXXX XXXX and the criminals intended to steal and following that event I became a victim of XXXX XXXX XXXX between XXXX XXXX XXXX. During this time I was developing a mass in my XXXX which has been diagnosed stage XXXX inflammatory XXXX XXXX. On XX/XX/XXXX I was sued by Truist Bank for contractual breach of the auto loan which would of never happened if my accounts were managed properly ( XXXX ) within the XXXX XXXX XXXX  XXXX XXXX XXXX I have responded and I am requesting a waiver of fees so I may file a counterclaim for the damages. I am filing this complaint today with hopes of being reassigned a Truist Client Advocate to reinvestigate the issues with my accounts such as bank reps are still unable to provide me with all statements requested and Business Credit Statements which are pertinent to this case. I contacted my original advocate XXXX XXXX but her number is no longer working. I am unable to provide the vehicle loan number but I am submitting my simple business checking account number for look up purposes.

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