TRUIST FINANCIAL CORPORATION


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"Products" offered by TRUIST FINANCIAL CORPORATION with at least one, but usually more complaints:

Checking or savings account -
Checking or savings account - CD (Certificate of Deposit)
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Checking or savings account - Savings account
Credit card - General-purpose credit card or charge card
Credit card - Store credit card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit card or prepaid card - Gift card
Credit card or prepaid card - Government benefit card
Credit card or prepaid card - Payroll card
Credit card or prepaid card - Store credit card
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto debt
Debt collection - Credit card debt
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Mortgage debt
Debt collection - Other debt
Debt collection - Payday loan debt
Debt collection - Private student loan debt
Debt or credit management - Debt settlement
Money transfer, virtual currency, or money service - Check cashing service
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Foreign currency exchange
Money transfer, virtual currency, or money service - International money transfer
Money transfer, virtual currency, or money service - Mobile or digital wallet
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Money order, traveler's check or cashier's
Money transfer, virtual currency, or money service - Refund anticipation check
Money transfer, virtual currency, or money service - Traveler's check or cashier's check
Money transfer, virtual currency, or money service - Virtual currency
Mortgage - Conventional home mortgage
Mortgage - FHA mortgage
Mortgage - Home equity loan or line of credit (HELOC)
Mortgage - Other type of mortgage
Mortgage - Reverse mortgage
Mortgage - VA mortgage
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, or personal loan - Title loan
Payday loan, title loan, personal loan, or advance loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Personal line of credit
Payday loan, title loan, personal loan, or advance loan - Title loan
Prepaid card - General-purpose prepaid card
Student loan - Federal student loan servicing
Student loan - Private student loan
Vehicle loan or lease - Lease
Vehicle loan or lease - Loan
Vehicle loan or lease - Title loan

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Complaint ID: 5321935

Date Received: 2022-03-14

Issue: Managing the loan or lease

Subissue: Loan sold or transferred to another company

Consumer Complaint: My loan was being serviced by Suntrust, who was bought out by Truist Financial. Since the merger, I have not been able to get in touch with anyone at Truist Financial to service my loan. I have decided to refinance my vehicle with a local credit union and they have tasked me with obtaining the loan buyout documents from Truist, but I can not get a hold of anyone at the bank. I've tried waiting for hours and hours on hold, but no one has ever answered their number. There has never been a time I have called when the hold queue has stated anything else than " more than 60 minutes '', and I have tried looking up employees of the company and emailing them, but have not been able to get any responses. I can not service my account at all with this institution and no longer want them to service my account. Due to this, I am being forced to bank with Truist against my will, and would please like any help I can get. Thank you.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: MN

Zip: XXXXX

Submitted Via: Web

Date Sent: 2022-03-14

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5321859

Date Received: 2022-03-14

Issue: Applying for a mortgage or refinancing an existing mortgage

Subissue:

Consumer Complaint: In XX/XX/XXXX my husband and I divorced after 30+ years of marriage. We did not have attorneys but came to an amicable agreement on terms and I was awarded the home at XXXX XXXX XXXX as part of the agreement. We were in bankruptcy at the time but our home wasn't in bankruptcy and we thought I would be able to refinance. We found out I couldn't so we entered into an agreement where my ex-husband would pay me {$500.00} per month towards the mortgage as it was previously financed using his income and he was still on the mortgage. We planned to have him sign the quit claim after the bankruptcy was completed. He failed to keep his end of the agreement causing me to fall behind in mortgage payments starting XX/XX/XXXX. The bankruptcy was completed in XX/XX/XXXX and he has refused to sign the Quit Claim in order for me to refinance. On XX/XX/XXXX we went to court where the judge ordered him to sign the Quit Claim to remove him from the Title and Deed to the property at the closing of the refinance. I have tried forebearance loans, forgiveness programs through XXXX, refinancing but either XXXX XXXX XXXX is needed to send his documents and sign for the forebearance and he won't or he is needed to sign the Quit Claim ( I had a refinance ready and was at the closing in XX/XX/XXXX ) but he won't. I am currently in Covid Forebearance with Truist. They have reported to my credit that my balance is XXXX XXXX and that I'm not behind but they will not produce a current statement with the same information and I need this to refinance with a current lender. Truist promised to help but is not giving me the documentation they promised and that I need to move forward and save my home.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: SC

Zip: 291XX

Submitted Via: Web

Date Sent: 2022-03-14

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5321380

Date Received: 2022-03-14

Issue: Other transaction problem

Subissue:

Consumer Complaint: On XX/XX/2022 I wired {$230000.00} USD to XXXX XXXX XXXX XXXX in XXXX. My business banking relationship is with Suntrust Bank which is now Truist. The recipient bank is XXXX in XXXX XXXX but the send thru bank is XXXX XXXXXXXX XXXX. On XX/XX/XXXX I was informed that the transfer was not completed and that the funds were returned. I have been visiting my banking institution every single day since that date because the funds have yet to be credited back into my account. I have spoken to the manager and several other bank associates to no avail. It is now XX/XX/XXXX and the funds are still missing. I feel Truist is not treating this with the utmost urgency and give me the run around each time. I need your assistance in recuperating my money because now they say XXXXk XXXX XXXX ( the send thru bank ) is retaining the funds. The question is why? And why is it taking so long to credit the funds back into the originating account?

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: FL

Zip: 33125

Submitted Via: Web

Date Sent: 2022-03-14

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5321322

Date Received: 2022-03-14

Issue: Managing an account

Subissue: Funds not handled or disbursed as instructed

Consumer Complaint: From XXXX I was employed at XXXX XXXX XXXX XXXX XXXX As part of my compensation, I was given and funded a XXXX XXXX savings account with Branch Banking and Trust of NC. That account had {$3900.00} on XX/XX/21. BB & T merged with Suntrust, which in turn merged with Truist ( XXXX ). Now, Truist denies that I was ever in their system. Can you help me recover the money I invested?

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: AZ

Zip: XXXXX

Submitted Via: Web

Date Sent: 2022-03-14

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5321248

Date Received: 2022-03-14

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: please stop reporting fraudulent information on my credit. XXXX is reporting an account that I never opened nor authorized anyone to open on my behalf. I have no knowledge of what this account is and I am requesting the immediate removal of this taccount from my credit. Please see attached the Identity Theft report and my Driver License.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: NY

Zip: 11427

Submitted Via: Web

Date Sent: 2022-03-14

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5320691

Date Received: 2022-03-14

Issue: Trouble during payment process

Subissue:

Consumer Complaint: We have had a loan with BB & T, now Truist, for many years. Because of their inaccessibility -- it often takes more than one hour on hold to speak with someone -- my partners and I added automatic payment to our account in XXXX, 2022. We have two mortgage accounts, both with the same account number, but with different suffixes known as note numbers in their parlance. Both accounts were set up for ACH at the same time, and both were to draft from the XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. Truist input an incorrect account number for one of the loans, and the correct account number for the other. These accounts are confused on the website -- the account with the wrong loan number appears to be paid on time, the other appears to be late because the payment was returned by the XXXX XXXX XXXX bank because of the incorrect loan number. After about 2 hours of painful discourse on hold and on the phone with a ( lovely ) customer service rep, I gave up and said just take the payment manually. She did. But then, mysteriously, the other payment was reversed. To add insult to injury, there are late fees on both accounts. And the customer service rep was unable to correct the incorrect account numbers because she could not " validate '' me via text, even though the previous customer service rep was abler to do exactly that with the same cell phone number I always use. I was then forced to spend additional time re-setting up ACH with faxed paperwork ( so archaic and not at all practical ) and have had no indication that it has worked ( still showing delinquent ). I am not able to make the changes on the website because the bank is still showing one account as delinquent, they refuse to fix it because they can't text me, and I don't have endless hours to sit on hold.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: NJ

Zip: 07701

Submitted Via: Web

Date Sent: 2022-03-14

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5320441

Date Received: 2022-03-14

Issue: Managing an account

Subissue: Deposits and withdrawals

Consumer Complaint: XXXX XXXXup to and including today ( XX/XX/2022 ) ATM at Truist bank branch out of cash. No sign on machine, no explanation inside bank. Clerk inside bank gives out the cash to a very long line of unhappy customers.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: FL

Zip: 34481

Submitted Via: Web

Date Sent: 2022-03-14

Company Response to Consumer: Closed with explanation

Timely Response: No

Consumer Disputed: N/A


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Complaint ID: 5318355

Date Received: 2022-03-11

Issue: Trouble using your card

Subissue: Can't use card to make purchases

Consumer Complaint: Good afternoon, I applied for the Truist " XXXX '' credit card back on XX/XX/XXXX at www.truist.com. I was approved for the card but haven't been able to use it, every time I try to use the card, they tell me the card is declined. I check my credit card account on the Truist website and I keep getting the message " This account is currently unavailable for use. If you have questions or need assistance, please call XXXX from XXXX am to XXXX pm XXXX, XXXX and from XXXX am to XXXX pm XXXX, Sat. '' This message has been there since I created the login on the website and it is the same phone number on the back of my card. I called Truist on XX/XX/XXXX regarding this issue of not being able to use the credit card and the representative I spoke with said someone would call me back since the person in charge was gone for the day. No one called me back. I must say that the hold time to reach someone at this company is insane, every time over an hour. I called back on XX/XX/XXXX and a representative said that someone will give me a call, the same thing I was told back on XX/XX/XXXX. I never got a callback, so I called again on XX/XX/XXXX, this time I asked the representative to provide me with the name of the person who would be calling me back. She said the person was XXXX XXXX, but she was in a meeting at the moment. I never got the callback either, so I called back today, XX/XX/XXXX, this time I asked to speak with a manager but they told me one was not available and I asked who would be calling me back, the representative said XXXX XXXX will be calling me back. Since I am tired of wasting my precious time on wait time every time I call, and tired of not getting nowhere with this " company ''. Please have them fix whatever issue they have so I can use the card, and since when I applied for the card this had a promotional 0 % APR for 15 months on purchases and balance transfers with no annual fee. I would like for them to extend the promotional offer for 3 months after the original 15 months expire, since I have not been able to use the card due to their incompetence as a " company ''. Horrible customer service. They pulled my credit, approved me for the card, and haven't been able to use it. I am attaching a copy of the message I get on their website.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: FL

Zip: 33060

Submitted Via: Web

Date Sent: 2022-03-11

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5318131

Date Received: 2022-03-12

Issue: Trouble during payment process

Subissue:

Consumer Complaint: I opened a checking account with Truist who currently holds my mortgage and now I have no online access to my mortgage account. I can only see my checking account information. On XX/XX/2022 I went to the Truist branch located at XXXX XXXX XXXX XXXX, XXXX, PA XXXX I spoke with XXXX XXXX and we discuss products and applying for them. Later that day I went into the branch and told him I dont have access to my mortgage account online and he gave me his business card and told me he would follow up with me later that day. I did not hear from him so I emailed him at XXXX on XX/XX/2022 I called the branch several times and at the end of the business day I received a very vague email telling me he would monitor and keep me posted. He asked me to email my social security card because the social security number in the system was not the same and I explained to him that I had no issues accessing the app or the website prior to coming into the branch. He gave another vague excuse about the merger and integrated the systems. He said he would get it corrected with in two business days. I called the customer service number and was bounced around from department to department and the mortgage department said everything is showing up correct and they need to get me over to the online support team and the online support team told me the same thing that branch said about my social security number being incorrected. Wait times when calling the customer service number were over 4 hours at times and getting nowhere. On XX/XX/2022 I spoke with a man named XXXX XXXX from the online team and he would not honor any of my request to contact the mortgage department or transfer me to a manager after going back and forth with him for over an hour he disconnected the call he cut me off many times and repeated himself. I never felt like he listened to me I felt rushed and almost like I did not matter, he might have just wanted to get to his next call. When I asked for his employee ID he told me he could not provide that information but offer to give me his last name. From XX/XX/2022 to XX/XX/2022 and counting I still do not have online access to my mortgage account and no one from Truist has taking ownership of my issue to help me correct it.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: PA

Zip: 190XX

Submitted Via: Web

Date Sent: 2022-03-12

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5316558

Date Received: 2022-03-11

Issue: Managing an account

Subissue: Banking errors

Consumer Complaint: While attempting to pay a bill, I notices several deductions ranging from {$500.00} to {$10000.00} were made by someone other than account holders. I informed Truist bank. Truist is a bank that was created as a result of BB & T merger with Suntrust. I was formally with Suntrust. A fraud claim was issued for my checking account. Checking account put on hold. New account created and money left in account placed on hold was transferred to a new account. I can not pay bills through my new account. It doesn't show up when I'm in the Pay bills section. I have called Truist on several occasion and have even gone into the local branch. At first I though it was fraud but after hearing customers on XXXX XXXX XXXX it appears to be a internal banking issue. See attached.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: VA

Zip: 23321

Submitted Via: Web

Date Sent: 2022-03-11

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.