Consumer complaint received 2026-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
We first met with the XXXX from XXXX XXXX in XX/XX/XXXX after speaking with their salesperson at our home. On XX/XX/XXXX, the XXXX sent workers to begin roofing and attic insulation work. They worked through XXXX XXXX. From XXXX through XX/XX/XXXX, my husband repeatedly called the XXXX, project XXXX, and office asking them to return to complete unfinished work ( including repairing a large drywall hole left from the old HVAC control panel ). They kept telling him to talk to the project XXXX, but no one returned to the property. In early XXXX, the accountant at XXXX XXXX told us to come to their office. She had us open online accounts with each lender and activate autopay. After that, the XXXX stopped answering calls. The accountant eventually told my husband to talk to the owner, but the owner never responded. In XX/XX/XXXX, I notified all XXXX lenders that the XXXX had abandoned the project and refused to provide invoices or receipts. I asked each lender to open a dispute and investigate the loan. All lenders except XXXX refused to open a dispute, repeatedly closed my case without resolution, and continued to bill and report inaccurate information. Only XXXX Bank conducted a real investigation. After several weeks, XXXX refunded the charges and allowed us to close both accounts. From XXXX through XX/XX/XXXX, we continued contacting the XXXX and the remaining lenders, but no one provided documentation or a resolution. The XXXX sent only lists of charges, with no receipts or proof of purchase, including extremely inflated amounts ( for example, {$100000.00} for a basic HVAC system and a small bedroom remodel ). In XX/XX/XXXX, we received the last XXXX payment from the XXXX, who had been sending partial payments since XX/XX/XXXX. In XX/XX/XXXX, the XXXX stopped sending money entirely, and the lenders withdrew payments from our paycheck, causing financial hardship. A different company, XXXX XXXX XXXX, suddenly began sending money in the same pattern as XXXX XXXX, which raised serious concerns. We notified XXXX and Slice because no payments were sent to XXXX XXXX. Because the lenders refused to properly investigate the loan, I conducted my own investigation. I identified the licensed companies that actually pulled and paid for the city permits. These companiesnot XXXX XXXX XXXX the permitted work. I provided this evidence to Service Finance, but they still disbursed funds to XXXX XXXX XXXX. I requested : the dates and amounts of each disbursement, the identity of every payee, copies of invoices, receipts, and proof of purchase for materials and equipment, documentation supporting the contractors charges, and verification of how the lender confirmed completion before releasing funds. The lenders have not provided any of this information. The XXXX refuses to provide receipts or invoices, preventing me from verifying which portion of the loan was used or from accessing the equipment 's warranties. The lenders continue to bill, report inaccurate information, and close my disputes without investigation, despite clear evidence of XXXX abandonment, misrepresentation, and improper disbursement.

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