Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
I contracted with XXXX XXXX XXXX XXXX XXXX XXXX to install a XXXX XXXX XXXX with financing provided by XXXX XXXX XXXX XXXX, a wholly owned subsidiary of Truist Bank. The scope of work included purchase and installation of the generator, connections to natural gas and electrical services, and pre-approval of the selected installation site by both the XXXX of XXXX and the XXXX XXXX XXXX XXXX in XXXX, Colorado. Installation XX/XX/year> On XX/XX/year>, XXXX installed the generator. A XXXX representative verbally indicated that a XXXX of XXXX installation permit had been issued, however no permit was posted or displayed at the property as required. No city inspection was conducted on the installation date. XXXX subsequently scheduled the required city inspection for XX/XX/year>. XX/XX/year> Permit Failure and Unauthorized Fund Release On XX/XX/year>, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, contacted me to advise that the XX/XX/XXXX inspection would not take place. He disclosed that the generator had been incorrectly placed within an easement, requiring it to be relocated, and further acknowledged that contrary to prior representations no permit had in fact been issued by the XXXX of XXXX. On the same date, Service Finance Company notified me by email that funds had been released to XXXX on the basis that the job was " substantially complete. '' I immediately disputed this by phone, clearly stating that the work was incomplete as the XXXX of XXXX had not approved the installation site. On XX/XX/year>, I filed a formal complaint with Service Finance Company requesting that the funds be frozen pending resolution. Service Finance indicated the complaint had been forwarded to Truist Bank for review, with a response expected within three to five business days. To date, no response has been received. XX/XX/year> Request for Resolution On XX/XX/year>, I contacted XXXX XXXX to request a status update. He advised that a permit application had been filed on XX/XX/year>, but that no response had been received from the XXXX of XXXX. I followed up in writing, clearly stating that I would not under any circumstances assume the financing obligation for the generator until the siting issue was fully resolved. I set a deadline of XX/XX/year> and proposed two acceptable resolutions : ( 1 ) that XXXX assume the loan payments until the siting issue is resolved, as XXXX had previously offered, or ( XXXX ) that XXXX remove the generator and cancel the installation contract. XXXX XXXX confirmed in writing that he would respond by Monday, XX/XX/year>. XX/XX/year> No Resolution, Project Cancellation On XX/XX/year>, I contacted XXXX XXXX at approximately XXXXXXXX XXXX. He stated that he had not received a response from his colleague regarding siting approval. Contrary to his written commitment, he now indicated he would not respond until XX/XX/year>. Given XXXXXXXX XXXX pattern of misrepresentations and continued failure to resolve this matter, I formally canceled the project at that time and demanded removal of the generator and cancellation of all associated financing. Relief Requested I am requesting enforcement of the following remedies due to the unethical and, I believe, illegal actions of XXXX XXXX XXXX :

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 non-monetary relief