Consumer complaint received 2024-04-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have sent this letter to TRUIST Finance, explaining how their system failed to capture MY ONTIME payment and why- they failed to capture it being on time, they were off by XXXX day but the payment was indeed ontime if they were not off by that XXXX day. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- LETTER START -- -- - -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- RE : Truist XXXX XXXX : Subject : Request for Removal of Late Payment Record from Credit Report Dear Truist XXXX XXXX, I hope this letter finds you well. I am writing to address a discrepancy regarding a recent car payment and to request the removal of a late payment record from my credit report. 

On XX/XX/XXXX, I made a payment for my car loan account, XXXX, on the due date as per the terms of the loan agreement. However, due to a delay in processing, the payment was not reflected until the following day. Despite this, your website displayed the payment as on time. Unfortunately, this discrepancy resulted in a late payment being reported on my credit report. 

Furthermore, I would like to bring to your attention the circumstances surrounding the delay in payment. In XXXX, I requested a XXXX-month payment relief due to unforeseen financial circumstances. Regrettably, this request was never honored, leaving me under the impression that my payments were deferred. It wasn't until the end of XXXX that I realized the oversight and promptly made the payment on [ Date ]. However, due to the system not registering the payment in time, it was inaccurately marked as late. 

I have attached a screenshot of my account status, which clearly shows the payment was intended to be made before the XXXX day of being late. Additionally, I must highlight that I never received any notification of the late payment as the correspondence was sent to my previous address, XXXX XXXX XXXX XXXX XXXX I have since updated my contact information to ensure such issues do not recur. 


Furthermore, I would like to inform you that as of XX/XX/XXXX, I have sold the vehicle associated with the loan to XXXX. Consequently, I no longer have any outstanding obligations with Truist XXXX XXXX. Therefore, I request that you remove the late payment record from my credit report and notify all relevant credit reporting agencies accordingly. 

I believe it is in both our interests to rectify this situation promptly. A late payment record on my credit report could adversely affect my financial standing and future opportunities. I trust you will understand the importance of resolving this matter efficiently. 

Thank you for your attention to this request. I look forward to receiving confirmation of the removal of the late payment record from my credit report. 

Sincerely, XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- LETTER END -- -- -- - -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I HAVE Attached and reported this issue to them to REMOVE the incorrect data from my report on XX/XX/XXXX and I made a phone call to them on XX/XX/XXXX where they said that my request was denied. Therefore I am filing this complaint with the bureau to please protect me from false reporting by this lender - Truist. 

I have supplied the information to all agencies and XXXX out of XXXX agencies already removed this data from my report and the last one ( XXXX ) is still processing the request because my documentation was not attached by accident.

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