Consumer complaint received 2025-06-06 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: FL

Complaint narrative:
I filed a dispute with my bank, Truist, on my business credit card for services I had contracted and paid for that turned out to be fraudulent. My dispute case number was XXXX. I singed and paid this contract on XX/XX/XXXX. I found out this was fraudulent transaction in XXXX of XXXX and filed my dispute XX/XX/XXXX. Truist has since denied my dispute for no correct or apparent reason that is applicable to the reason I disputed the charge. This case involves over 400 others and has been escalated to the SEC, FTC, and FBI. This is the letter along with other supporting documents I sent to Truist : This letter outlines my formal dispute and request for chargeback regarding undelivered commercial trucking services I contracted through XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The dispute relates to payments made via XXXX, funded through Truist business credit card totaling {$12000.00}. Although funds were transmitted through XXXX, these payments were in no shape or form a gift. They were for contracted services that were misrepresented, only partially rendered, and ultimately abandoned. 
Please refer to the contract attached. 
XXXX XXXX XXXX 's recent notice claims banking and payment processing issues caused by their subcontractor, XXXX XXXX XXXX, constitute a Force Majeure event. Additionally, stating XXXX XXXX XXXX was never in possession of leased trucks as that was XXXX XXXX XXXX XXXX ( their subcontractor ). However, banking issues, subcontractor failures, and business partner defaults are normal business risks, not extraordinary Force Majeure events like natural disasters, wars, pandemics, or government shutdowns, etc. 
My contract is directly with XXXX XXXX XXXX. Their subcontractors ' failures do not absolve them of their direct obligations to me under the contract. Courts consistently hold that internal partner or vendor problems do not excuse nonperformance unless explicitly stated, which is not the case here. 
XXXX XXXX XXXX attempt to attribute blame to subcontractors ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) does not absolve them of liability. Under basic contract law principles, a company can not contract away its obligations by outsourcing to third parties. The risk of subcontractor nonperformance remains entirely with XXXX XXXX XXXX, who was directly responsible for fulfilling the services promised to me. 
Therefore, their failure to make the guaranteed weekly payments constitutes a breach of contract and fraud, not a valid Force Majeure event. I respectfully request that this dispute be resolved in my favor. 
This dispute involves a substantial business loss totaling {$12000.00} across my Truist business credit card, as well as an additional {$41000.00} related to other business cards being disputed and tied to undelivered services and mismanagement of funds. Totaling in {$52000.00} as stated in the contract. These funds were provided in exchange for the expectation of truck leasing, weekly operational income, insurance, driver coordination, and full commercial fleet management all outlined in the signed agreement. These services were never rendered in full, and operational updates and income deposits ceased without explanation. 
The inability to recover these funds would cause significant financial harm to my business and undermines trust in secure commercial use of Truist financial services.

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