Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/XXXX Agreed to a 1 day roof replacement with XXXX XXXX. XXXX not completed until XX/XX/XXXX. No communication with crew ; lack of respect ; poor workmanship. I hired an inspector who found numerous issues in his findings. XXXX XXXX office was called on XX/XX/XXXX ; promised job would be completed by XXXXXXXX XXXX Picked up dogs that had been boarded at XXXXXXXX XXXX  ; crew working on roof would not stop to allow me to get dogs safely in house. Called office and was promised job would be completed by XXXXXXXX XXXX  same day. XXXX home, job incomplete. Called office; was promised that job would be finished on Monday, XX/XX/XXXX. Crew did not show up on XX/XX/XXXXXXXX XXXX XXXX said crew would be there Tuesday, XX/XX/XXXX. I asked for crew to arrive after XXXXXXXX XXXX as this had been such unacceptable service and I had to get dogs out and ready for work. They could arrive after I left at XXXXXXXX XXXX. Crew arrived at XXXXXXXX XXXX Called office at XXXX as crew was pacing in my front yard and had taken lock off my gate ; could not even let the dogs out of the house. XXXX XXXX XXXX asked them to leave. They would not leave property. Crew was very disrespectful when I left at XXXXXXXX XXXX  and I was extremely uncomfortable. This continued with no shows, and cancelled appointments until XX/XX/XXXX. The XXXX XXXX XXXX of the company called and was so aggressive on the phone conversation that a guest in my home could hear him across the room. In turn, I sent an email with complete documentation to XXXX XXXX XXXX XXXX XXXX and was waiting for his response. In the meantime, XXXX XXXX XXXX started the billing process. I called company to explain the dispute and that I was awaiting a response from XXXX XXXX. On XX/XX/XXXX, a customer service representative stated that they were filing the complaint with XXXX XXXX and waiting on the response. They assured me that they had not paid XXXX XXXX and would contact me in a few days with information. I never heard back. I received an email stating that the billing for this application would not commence until the complaint was resolved. I continued to receive bills and continued to call the company. I called the Complaint Specialist directly on XX/XX/XXXX and he informed me that he had not authorized funding of this loan and would check into this as someone in his office had authorized funding without proper authority. I sent him the detailed email that I sent to XXXX XXXX ; copy of contract ; letter from my inspector and gave him a week to review. After our conversation, I left messages on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and on XXXX he finally returned my calls. I was told by email that he would escalate this to his supervisor and she would reach out to me in a few days. That never happened ; now Service Finance Company has reported me to the credit bureaus ; and sent a letter stating that I was in default. This dispute has not been resolved. I have left messages since the default letter was received on XXXX and XXXX and was told that they would email the complaint specialist directly and he would get back to me. That has not happened.

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 monetary relief