Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Dispute Notice : Unauthorized Transaction ( FCBA Billing Error ) Account Number : * XXXX Date of Disputed Charge : XX/XX/XXXX Disputed Amount : {$470.00} Merchant Names : XXXX XXXX XXXX and XXXX Star Auto Storage To Whom It May Concern : I am writing to formally rebut the unsatisfactory resolution of my previous dispute regarding an unauthorized debit of {$470.00} posted to my credit card account ( * XXXX ) on XX/XX/XXXX. 

This charge was assessed by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX for the non-consensual impoundment of my XXXX XXXX from XXXX XXXX XXXX XXXX in XXXX, TX. 

I reiterate that this transaction is a Billing Error pursuant to the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ) on the grounds that it is an Unauthorized Transaction. 

Grounds for Dispute and Rebuttal 1. Rebuttal of " Merchant Dispute '' Classification This charge is NOT a typical " merchant dispute '' concerning the quality, price, or delivery of goods or services I purchased. A merchant dispute implies a pre-existing agreement that was violated. 

Instead, this is a formal claim that the entire transaction is an Unauthorized Transaction because : I, the cardholder, did not provide consent for the towing service. 

The underlying servicethe non-consent tow of my vehiclewas a civil tort initiated without any authority from me. 

The charge resulted from an unlawful action by the merchant/property owner, which is distinct from a complaint about service quality. 

Under federal law, my liability for any Unauthorized Transaction is capped at {$50.00}. 
2. The Transaction is Legally Unauthorized and Invalid : The charge is for a service ( towing and storage ) that I did not request, accept, or authorize. Furthermore, the underlying actionthe non-consent tow of my vehiclewas a violation of state and local law, specifically the Texas Towing and Booting Act.

I am the registered owner and had no signed contract or agreement authorizing the removal of my vehicle. 

The towing company and property owner failed to comply with mandated signage requirements at the parking facility, thereby invalidating the legal authority for a non-consent tow. 

Because the underlying service was rendered illegally and without my consent or a valid legal prerequisite, the resulting debit to my credit card account is illegitimate and unauthorized by me, the cardholder.

3. Failure to Provide Proper FCBA Resolution : I request a complete investigation into why my initial dispute regarding this unauthorized charge was not resolved in my favor. The FCBA requires creditors to conduct a reasonable investigation and provide a satisfactory resolution. The failure to recognize the legal invalidity of the underlying charge as prima facie evidence of an unauthorized transaction suggests a failure in the investigation process.

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