Truist

I opened a Truist checking account in XX/XX/2026 under a {$400.00} promotional bonus offer requiring qualifying direct deposits and debit card transactions. On XX/XX/2026, a Truist representative confirmed that I met the promotion requirements. However, another representative later stated that the transactions still needed verification and could not provide a completion date or payout timeline. Truist provides a link to track promotion progress, but the link repeatedly returns a server error and does not work. Because of this, I have no way to confirm my qualification status despite being told I met the requirements. The promotion terms state the bonus will be paid within XXXX weeks after requirements are met, yet Truist has not provided confirmation of my verification date or expected payment date. I am requesting written confirmation of my qualification status, verification completion date, and the expected payout date for the {$400.00} promotional bonus.

I am setup with Text notifications from my bank. Anytime a charge is made, I receive a text message with the amount being charged. I noticed XXXX charges coming through for several $ XXXX, then two {$150.00} transactions. I immediately called Truist the bank and they immediately cancelled the card. Truist refunded the money the next day, then sent a letter, ( received XX/XX/XXXX ) that they are denying the request as they did not find the transaction 's fraudulent. I filed a police report with the XXXX XXXXXXXX XXXX Police Department -- Office XXXX-Report # XXXX

This complaint is a continuation of CFPB Complaint No. XXXX which was closed without resolution. Truists XXXX XXXX, 2026 response raises additional concerns because Truist states that it received a request to return the funds, yet it continues to retain the same {$5600.00} without explaining where those funds are being held. I am submitting this additional response regarding Truists XX/XX/XXXX letter concerning the {$5600.00} deposit originally made on XX/XX/XXXX. In its response, Truist states that on XXXX XXXX, 2026, it received a request to return the funds. However, Truist continues to retain the same {$5600.00} and has not explained where those funds are currently being held or why they continue to be withheld. Truist can not continue to retain the funds indefinitely. Truist can not both remove the funds from the maker and continue to hold the same money without providing a lawful explanation.…

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I am requesting the immediate release of funds from a closed Truist business account. In XX/XX/XXXX, I reported a fraud incident to my Truist branch where I was the victim. Following the bank 's instructions, I successfully filed IC3 and FBI reports and provided proof to the branch. Truist subsequently closed my business account but allowed me to maintain my personal accounts and mortgage in good standing. For over 18 months, I have received monthly statements showing a consistent positive balance of approximately {$5200.00}. I have made multiple attempts to resolve this internally, including : Contacting the Truist Fraud Resolution department on XX/XX/XXXX. Visiting my local Truist branch in person on XX/XX/XXXX. During my most recent inquiry today ( XX/XX/XXXX ), I was informed that the funds have been moved to an internal recovery account.…

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I applied for a mortgage for a home purchase and was initially quoted an application fee of {$590.00}. Shortly after, the lender increased the fee to {$1200.00}, stating the original amount was a system error. On multiple occasions ( XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I was explicitly told via email that the {$590.00} fee would be corrected and honored. Based on these representations, I continued the loan process in good faith and did not pursue alternative lenders. As closing approached, I was informed that the fee would not be adjusted and would remain at {$1200.00}. I raised this issue multiple times and requested that the lender honor their prior written commitments or apply a lender credit to offset the {$650.00} difference. The lender stated they were unable to make any changes due to compliance reasons. I proceeded under the expectation that the agreed-upon fee would be honored, but the lender failed to follow through on their repeated assurances.…

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I contacted the bank today about a hold that shouldnt have been placed on my account. They said XXXX that I had overdraft I dont have overdraft protection into. I had return checks. I told them that I only use that account to send money to my landlord and to send money to family members I dont use that account for anything else for this reason they are very unprofessional very rude and I told them to close my account and they said theyre gon na mail a check and I said youre gon na mail a check for that amount of money thats ridiculous.

my card was stolen but i use tap to pay on my phone so i didnt notice right away. once i did notice i checked my transaction history to see {$1800.00} in fraudulent charges. once i noticed them i cancelled my card and filed a dispute. they denied my claim because they said the charges happened before my card was reported stolen.. i told them they were fraudulent and they asked for proof. i sent the proof to which they denied it again and closed the investigation. they then said if i filed a police report that they could reopen the investigation. when i filed a police report i called them to give them the report ID number and they said since it had already been investigated twice that they wouldnt do anything for it. i cancelled my card, sent them proof, and filed a police report. and they have been consistently denying me and i dont know what else to do. if it was a smaller amount, i could let it go but this is $ XXXX in fraudulent charges.

I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Complaint Against Truist Bank Returned Check Funds Not Received I am filing a complaint regarding a check deposit and return issue involving Truist Bank. On XX/XX/year>, I deposited a check issued by my employer into my account at Truist Bank. The check was drawn from a XXXX XXXX XXXX account. XXXX XXXX XXXX provides me with the letter that evidences the check has already been successfully processed/cleared. However, on or around XX/XX/year>, Truist Bank returned the deposited funds. As of today, XXXX XXXX XXXX has not received any returned funds related to this transaction. This situation has caused confusion and concern, as the funds appear to be missing in the transit returning process within Truist Bank. Additionally, Truist Bank has asked me to complete and sign an Affidavit of Fraud without providing a clear explanation or justification. This is concerning because : - The check was issued by my boss as part of a legitimate transaction.…

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I opened the Truist business account XX/XX/XXXX using the promotion code XXXX. I made the required direct deposit of {$2000.00} well before the required time of 30 days. The fine print for Truist Offer Eligibility : You must be a new Truist business checking client. To be considered a new business checking client, the business can not have an existing Truist business checking account or have closed a business checking account with Truist within XXXX days prior to the promotion start date ( on or after XX/XX/XXXX ). My last account was in XXXX. It was closed XX/XX/XXXX. Offer Eligibility : You must be a new Truist business checking client. To be considered a new business checking client, the business can not have an existing Truist business checking account or have closed a business checking account with Truist within XXXX days prior to the promotion start date ( on or after XX/XX/XXXX ), Truist is saying now you can't have the bonus if you've received a bonus in your lifetime.…

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Dear Truist Credit Card Disputes Department, I am writing regarding claim number XXXX, which has now been denied again. I am extremely disappointed and frustrated by XXXX handling of this matter. This dispute involves a business credit card transaction for services not rendered. The merchant, XXXX XXXX XXXX, accepted payment for XXXX XXXX XXXX XXXX XXXX that was to be completed over several months, with delivery expected in XXXX XXXX. Because of that agreed timeline, it would have been impossible for me to know within 60 days of the original XXXX and XX/XX/XXXX transactions that the services would not be delivered. Despite this, Truist has continued to deny my claim solely based on the date the dispute was filed, while refusing to fully investigate the actual issue : the merchant failed to provide the contracted services.…

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I am disputing my auto lenders claim that I am XXXX months behind on my vehicle payments. My car note is due on the last day of every month. I called Regional Acceptance the morning of XX/XX/year> about a charge i noticed on my account. They informed me that it was a late fee. I was unaware of a late fee, however I paid my entire car note ( XXXX ) that day. The next morning, XX/XX/year>, i received another message to give them a call. Before I called back, I checked my banking app and it now said I owe about 3 months of payments. They allege that the charges were reversed. I have documentation showing that the disputed payments were successfully withdrawn from my bank account. The lender claims the payments were reversed ; however, my bank has confirmed that no reversal funds were returned and no ACH reversal occurred. I requested documentation supporting the alleged reversals, including ACH trace information and return codes, but the lender has not provided sufficient proof.…

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I filed a complaint with you previously, because I lost access ( username and password ) to my Truist Bank mortgage account. To complicate matters, I also retired in XXXX, no longer maintaining a US phone. Truist finally called me on my Italian number XXXX ( XXXX ) XXXX, immediately insisting I verify my identity by providing information from the Truist app and/or website! It is as if they did not even read my complaint, that I could not access the app or website! Also, remember, They called Me! They then spent an hour going in circles, first insisting on verifying me, even though THEY CALLED ME! Worse, the verification required me to PROVIDE INFORMATION FROM THE WEBSITE! Recall, this complaint began because I could not get access to the website! They then said I must register for internet banking, which also first requires me to access the website first. It goes around and around endlessly.…

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I went to open a bank account with XXXX XXXX and I was denied. When I inquired about why I was denied the bank attendant told me that he don't know why. Upon doing my own investigation I obtained my XXXX XXXX report and saw that I had a checking account fraud placement from XXXX XXXX XXXX XXXX Incident date XX/XX/year> that I'm not familiar with. That information that was/is being reported is not completely accurate per the FCRA. I am a single father who needs his bank account to receive funds to take care and provide for my family. This denial hinders me from caring for my family. Failure to remove this information will result in me seeking legal remedies.

I am filing a complaint regarding repeated overdraft fees assessed by my bank, Truist Financial Corporation, including multiple fees applied during the same occurrence and concerns about account settings. On XX/XX/XXXX, I was charged multiple overdraft fees at the same time. This issue occurred again on XX/XX/XXXX, when I was charged {$72.00} in overdraft fees from multiple transactions processed together. This is now the third time I have been charged more than one overdraft fee in a single occurrence. In total, I have been charged seven overdraft fees over the past year, totaling {$250.00}, including additional fees in XXXX, XXXX, and XX/XX/XXXX. Several of these fees were assessed on the same day, which I believe is excessive and unfair, particularly when the account was already overdrawn. Additionally, I previously enabled overdraft protection and text alerts to help prevent this situation.…

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b'I am disputing a $XXXX transaction with XXXX XXXX XXXX for services not rendered. This is a case of fraudulent inducement where the merchant utilized \'lulling\' tacticsspecifically monthly deceptive email updatesto prevent me from discovering the fraud until recently.\n\nI have provided Truist with an extensive evidence packet (delivered via XXXX Tracking #XXXX XXXX XXXX on XXXX) and have active cases with the Florida Attorney General and the XXXX. Despite this, Truist has denied Case #XXXX and Escalation #XXXX for the \'same reason\' without, I believe, performing a \'reasonable investigation\' of the new physical evidence as required by Regulation E.\n\nThe bank has failed to address the merchant\'s lulling tactics and is ignoring federal error resolution requirements.…

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I am submitting this complaint regarding the inaccurate reporting of my account. The reported information contains errors that do not accurately reflect my payment history. I have been a responsible payer, and the negative remarks on my account are incorrect. Under 15 U.S. Code 1666b, creditors are required to promptly correct billing errors. Additionally, under 15 U.S.C. 1681i ( 7 ), I am entitled to a full description of the reinvestigation procedure conducted regarding my dispute. As a consumer, I request to know all the steps the agency took to ensure the accuracy of the reported information before it was added to my credit report. Despite my efforts to dispute this matter directly with the reporting agency, I have not received adequate verification or resolution.

On XX/XX/XXXX, two Solar salesmen did a in- home visit in my home. They were door-to- door salespersons for XXXX. After I called XXXX XXXX XXXX, I didn't meet in person or by phone calls any representative to discuss or sign any documents, neither Installment or Loan Contracts or Notice of Commencement for work to begin. Ninety days later, I received call for Service Finance informing me that my first installment was due. This was the first time I had heard of this company and my obligations of a loan being approved and applied for. For 2.5 years, I have sent payment out of fear, because I was told that the solar equipment was installed and wouldn't be repossessed as I requested. And that a Lien would be enforced if I didn't pay the installments. Recently, I contacted both XXXX and Service on XX/XX/XXXX, by sending. a Certified Mail Demand Letter, with requested Return Receipt for the malfunctioning installed and financed solar system. Because of high utility energy bills.…

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I shop at a XXXX grocery store near my home. Each time I go to check out, my card is not authorized. I spend 20+ mins each time speaking with customer service to unlock my card. They ask me to tell them ALL of my personal info audibly while Im in public and will not help me otherwise. I have explained that I shop here regularly and ask them to stop the blockage, but it continues to happen. I believe I am due reimbursement for the time and groceries.

This company has called and harassed me, calling multiple times a day including after XXXX, for my husbands late car payment. On XX/XX/26 I asked them to no longer call me and they continued to do so from multiple numbers. I am a XXXX XXXX XXXX and the multiple calls a day were not only distressing to me, but could have potentially disrupted my phone line and delayed people from getting timely medical care.

I am the primary beneficiary of a testamentary trust administered by Truist Bank ( Truist XXXX, XXXX, GA ), probated in Georgia. Beginning XX/XX/2026, XXXX XXXX XXXX XXXX XXXX ( XXXX ) committed multiple breaches of fiduciary duty including : ( 1 ) converting a single-quarter distribution request of {$12000.00} into an unauthorized annualized distribution of {$44000.00} without my knowledge, consent, or consultation despite my status as primary beneficiary ; ( 2 ) creating a 40 % Generation-Skipping Transfer tax liability for a XXXX secondary beneficiary with no plan for remediation ; ( 3 ) making and receiving calls with an unauthorized third party with no legal relationship to this trust in connection with a distribution decision ; ( 4 ) misrepresenting the governing trust document in official written correspondence ; and ( 5 ) failing to acknowledge a documented {$9400.00} reimbursement obligation despite written notice.…

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I am submitting a formal complaint regarding a fraud claim with Truist Financial that was improperly denied. My debit card was fully stolen, and unauthorized transactions totaling {$2200.00} were made without my knowledge or consent. These transactions were conducted in another state where I was not physically present. I did not authorize any of these transactions and had no involvement in them. * Dispute filed : XX/XX/year> * Claim denied : XX/XX/year> ( within XXXX days ) On XX/XX/year>, I contacted Truist to : XXXX. Request the evidence used to deny my claim XXXX. Request a reinvestigation During that call, a female representative informed me that : * My claim was still being looked into * A reinvestigation could not yet be done * I would receive provisional credit on XX/XX/year> However, as of XX/XX/year>, I have now been told : * My request for reinvestigation can not be completed * I must wait for documentation of the evidence used in the denial * I have not received the…

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In a previous complaint, I demonstrated that truist breached the contract multiple times, renegging on a 0 % intrest rate and charging a 16 % interest rate without reason, then truist charged an additional {$200.00} per month " financing '' fee from XX/XX/year> to te present as well as a {$39.00} late fee despite the fact that I made payment XXXX weeks ahead oof the due date. Truist responded to this complaint by claiming that there is a descrepancy between the name I used in my CFPB account and the name I used to apply for my truist accounts. I am including documents from truist demonstrating that the names that I used are the same and that truist stalled for time, openly used lies and misrepresentation to avoid having to adress my complaint. truist has demonstrated repeatedly that they are unable to do business in good faith.

I am writing to formally request a XXXX form ( Cancellation of Debt ) related to the account associated with [ Account XXXX ] that is currently being reported on my credit report. If this debt has been forgiven, canceled, or settled for less than the full balance, the IRS XXXX form is required to be filed under 26 U.S.C. 6050P if the amount of canceled debt exceeds {$600.00}. In addition to the XXXX form, I am disputing the accuracy of the debt and requesting verification in compliance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX ( Reinvestigation of Disputed Information ), and XXXX XXXX. XXXX ( Responsibilities XXXX XXXX XXXX XXXX ). I am entitled to request and receive complete documentation to verify the accuracy and legality of this account 's reporting, and I am invoking my rights under [ Your State ] law to receive proper validation of this debt.…

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I open a truist account with the promo code. They stated that no promo code was entered but when you go through the application process it automatically applies the promo code. So it's completely false. They said that I'm in illegible and I believe that they are using fraud and systematically set up their online process to not save the promo code or attach the promo code to the new bank account. A scheme to just get you to open a new bank account and not pay you the bonus that they promise or advertise.

I am having issues with Truist Bank and a XXXX debit card dispute and trying to get a resolution. My XXXX Debit card was link to my XXXX account through my XXXX so anything charge through XXXX would be automatically charged to my debit card On XX/XX/26, I was shopping and accidently left my XXXX in a shopping cart at XXXX, I returned a few hours later to see if my phone was found and turned in which it was not and not able to be located. Later that day I also noticed that a XXXX transaction was made using XXXX that had been lost via XXXX XXXX services. I attempted to contact apple first to make them aware that the charge was unauthorized and made without my consent. They said they would research and email me the outcome ; I then reached out to Truist to let them know and cancel the linked debit card to stop anymore transactions and explained to the bank agent I had initiated a dispute for the fraudulent charge and would reach back out if XXXX did not resolve.…

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A bill payment of {$660.00} was supposed to be pulled from my account on XX/XX/XXXX but there was not enough money in my account, so I used a different form of payment to pay the {$660.00}. Then on XX/XX/XXXX when I go login to my Truist account I see that they authorized a payment of {$660.00} to the same company when at the time my account only had {$400.00}. Based on the account type I have with Truist my account is never supposed to overdraft so that {$660.00} should not have been allowed to be processed on my account. Now my account is negative {$260.00} and Im without any money because Ive since paid my bills twice. However, I reached out to the company I paid and they informed me I had to take it up with my financial institution, which I did and Truist denied my dispute stating I need to reschedule out to the merchant because Ive done business with them in the past. Me doing business with them shouldnt matter because I showed proof that they were paid already.…

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I opened a new checking account with Truist in XX/XX/XXXX based on a promotional bonus offer. I followed all stated requirements, including using the promotional link/code during application, completing more than XXXX debit card transactions, and setting up qualifying payroll direct deposit exceeding the required amount. I completed all qualifying transactions well within the required XXXX window and have kept my account active since opening. Today, XX/XX/XXXX, I contacted Truist regarding the missing bonus. I was informed that there is either no promotional code associated with my account or that the code used was expired, and I was asked to provide a saved promo code as proof. I did not retain a separate record of the code, as it was entered during the online application process. I believe I met all eligibility requirements and request a review of my account activity and the original promotional terms to determine my qualification for the bonus.

I am filing a complaint against Truist regarding what I believe to be an improper extended hold placed on a check deposit in violation of Regulation CC. On Sunday, XX/XX/XXXX, I deposited a {$400.00} mobile check from a XXXX XXXX refund. When I called the next day to ask about the 7 day hold, I was informed that the funds would be available within 1-2 days. However, after waiting the check was still placed on a 7-day hold without proper justification. I was told the hold was due to repeated overdrafts. This is inaccurate. My account has only been overdrawn for 3 days, which does not meet the Regulation CC threshold of 6 or more days required to classify an account as repeatedly overdrawn. I was also told that my account was considered new because it is less than two years old. This is inconsistent with Regulation CC, which defines a new account as one open for less than 30 days.…

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Made a deposit in the branch with a teller on XX/XX/year> with a cashier check that we have obtain from doing a job for XXXX XXXX company which was made payable to my company XXXX XXXX with a cashier check for {$6300.00}, which i was advised by the teller that it would've been available the next day no holds by the system. On XX/XX/year> i return to the bank to retrieve my funds to make payroll, pay supplier and etc. that's when i was advise that the back office placed a 10 day hold on my funds dued to account only being less than 30 days old, so i went into branch and the teller advised me that the check was being held for posssible fraud, so the teller call the fraud dept. and they provided a case num and couldn't tell me nothing so a few days later i contacted the fraud dept.…

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On XX/XX/year> I received a Truist alert on my phone that a large purchase was being made at XXXX XXXX in the state of XXXX for the amount of {$1700.00}. I live in the state of XXXX and had my debit card in my possession. I immediately called Truist and they blocked my card after confirming that I did not make this purchase and that I did not let my debit card number be used by anyone else, especially in another state. Then I received another text from the XXXX XXXX stating that the purchase did not go through. However, when I checked my Truist account online, the {$1700.00} was withdrawn anyway. Truist then sent me documents to fill out explaining the situation, which I quickly filled out and mailed back the next day.…

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Formal Complaint : Gross Negligence, Willful Delay of Fund Recovery, and Malpractice Regarding {$110000.00} Incident Description : I am filing this complaint against Truist Bank for its appalling negligence and willful obstruction in recovering my missing {$110000.00} On XX/XX/2026, I wired {$110000.00} to a XXXX XXXX customer. On XX/XX/XXXX, after being informed the funds were refused, I immediately and repeatedly requested Truist to initiate a XXXX XXXX. However, from XX/XX/XXXX to XX/XX/XXXX, Truist staff flatly refused to execute my request, claiming the funds were " out of their hands. '' This ten-day delay was a direct result of their incompetence and refusal to follow a client 's urgent instruction, which potentially allowed the funds to become further entangled or lost The situation escalated on XX/XX/2026, during my meeting with Branch Manager XXXX XXXX XXXX XXXX XXXX Employee ID : XXXX ).…

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well, I went to go get a car from XXXX of XXXX. I talked to a guy named XXXX. He said yeah Ill get you in the car, etc. so when they came back with the XXXX XXXX, I immediately knew it was wrong. He said my score was at XXXX. I said no my score is at XXXX and commenced to show him my actual score for auto. He didnt left a couple times came back stated that this is what Regional acceptance corporation has gave him and I stated again this is wrong showed it to him. He said well I dont know what how they got the score. He said Ill be right back when there he was gone for about an hour. He came back as he stated they will take care of it. He said it takes about two months to come out. Your payment should go down to round about {$400.00}. I said OK but as we all know, it was just a deceptive tactic to get me in the car, which is illegal.

This is a follow-up to Complaint # XXXX. Attached are bank records supporting the original claim of misapplied payments and failure to reconcile the loan. I am submitting this as a follow-up to my prior complaint regarding mortgage servicing errors involving Truist related to misapplied payments, improper payment reversals, and an incorrect default status following a servicing transfer from XXXX XXXX. Since filing my original complaint, I have obtained bank records from XXXX XXXX XXXX confirming consistent mortgage payments made to both XXXX XXXX and Truist. These records demonstrate a continuous payment history and support our concern that payments were misapplied, reversed, or not properly reconciled during and after the servicing transfer. The attached documentation reflects a clear pattern of payments over time, including payments made directly to Truist following the transfer, yet the account has been placed into default status as of XX/XX/year>.…

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My debit card has fraud charges from XX/XX/XXXX - XX/XX/XXXX. I discovered this on XX/XX/XXXX. I reported this to Truist on XX/XX/XXXX. I have provided all requested documents. I was refunded for XXXX transactions in the amount of {$110.00} on XX/XX/XXXX. The fraud department with Truist is now denying the remaining transactions for not being within the 60 day report which is untrue. The balance owed to me from the fraud charges is {$3300.00} These charges are fraud and I did file the claim within days of the charges.