Independent profile — not affiliated with Truist
Truist
Truist is Truist Financial Corporation and its main bank, Truist Bank, headquartered in Charlotte, North Carolina, formed when BB&T and SunTrust merged effective December 6, 2019. This page lists Truist's own contact and fraud channels, the CFPB, BBB and Trustpilot figures as displayed on 2026-10-18, the $240 million SunTrust overdraft class settlement whose claim deadline has passed, 486 older archive posts naming BB&T or SunTrust, and Federal Reserve actions against the predecessor banks.
Complaints & Reviews on USAComplaints
476 complaints on USAComplaints, including 1 published in the last three years.
- Mother's Money Left to Me Still Unpaid Since September 2024
- ATM Canceled Deposit and Never Returned $100 in Fort Myers
- Home Equity Loan Turned Into a Line of Credit
- Incessant Daily Calls About Mortgage Payment Due on the First
- $27,499 Condo Deposit Still Held After Buyers Withdrew
- Refund Check Cashed Twice a Year Later, Charged Back $500
- Bank Runs Returned Checks Repeatedly and Charges Each Time
- Mortgage Document Repeatedly Called Missing, Hours on Phone
- Bank Charges $2.00 for Each Customer Service Call
- Deposit Posted Late and Six Overdraft Fees in Stuart, VA
- Account Locked Without Notice After Depositing Tenant Checks
- Bank Blames Head of Security for Blocking My Money
- Extended Overdraft Fees of 36 Dollars Charged Five Times
- Canadian Funds Check Not Yet Processed After 18 Business Days
- Debit Card Overdrafts Approved After I Told Bank Not To
- Overdraft Charge of 39 Dollars for a One Dollar Overdraft
- Online Banking Is Slow and Often Unavailable for Corporate Cards
- Branch Manager Refused to Stop Fraudulent Charges on My Account
- Account Never Properly Closed After Fraud, Balance Went Negative
- Charged $8 to Cash a $97 Check Without an Account
Complaint Themes
Independent Sources
Shown for context — not merged with USAComplaints' own numbers.
Contacts
- Official website: https://www.truist.com/
- General banking, cards, loans, fraud (24/7 option 1): 844-487-8478
- Calls from outside the U.S.: +1-910-914-8250
- Manage existing mortgage: 855-257-4040
- BBB-listed phone: 800-226-5228 24 complaints mention this number
Locations
| Type | Address |
|---|---|
| Headquarters | 214 N Tryon St Charlotte NC 28202 |
Truist complaints: where to take a problem
This page was checked on 2026-10-18 against Truist's own pages, SEC filings, the CFPB, BBB and Trustpilot. Keep dates, amounts, account numbers (last four digits only), names of the people you spoke to and screenshots of any online-banking or app screen.
- Truist phone. The contact page says: 'dial 844-4TRUIST (844-487-8478) for domestic calls or +1-910-914-8250 when outside the U.S. To report fraud, 24/7, select option 1.' It lists teammate hours as Monday through Friday 8 AM to 8 PM EST and Saturday 8 AM to 5 PM EST, with 24-hour automated assistance only on Sunday. The same page lists 855-257-4040 for 'Manage existing mortgage'.
- Fraud or an unrecognized charge. The contact page lists 'I think I’m a victim of fraud', 'I need to report a charge I don’t recognize', 'I think I’m a victim of identity theft' and 'I need to dispute credit reporting on my account' as popular topics, and its quick-numbers list says to report fraud by selecting option 1, then option 4. truist.com/fraud-and-security has a 'Report fraud' link.
- Company feedback form. The contact page has a 'Give feedback' link to a Truist survey form (truistcx.qualtrics.com). We did not open the form or confirm how responses are handled.
- CFPB. The Consumer Financial Protection Bureau's complaint page says: 'Each week we send more than 100,000 complaints about financial products and services to companies for response' and 'Most companies respond within 15 days.' Submit at consumerfinance.gov/complaint. The company name used in the public database is TRUIST FINANCIAL CORPORATION.
- Overdraft refund claim from the SunTrust class action. The claim deadline in the Georgia SunTrust overdraft settlement was September 14, 2026 and has passed; see the litigation section. Questions go to the settlement administrator, toll-free 1-877-239-8765 (the settlement site's footer reads '© 2026 Epiq').
Overdraft terms Truist publishes today (read 2026-10-18). truist.com/checking says 'Truist One Checking doesn’t charge overdraft fees or overdraft-related fees' and lists a Balance Buffer of $100 for that account. The Truist Marquee Banking disclosures page lists 'Overdraft Fee There is no charge for this item' and 'Charged-Off Account Fee Account closed in a charged-off status, $30'. The contact page's overdraft answer says Overdraft Coverage, an optional service not available with Truist One Checking or the Truist Confidence Account, 'allows us to pay ATM and one-time debit card transactions when your available balance can’t cover the transaction. You may be charged a $36 fee for each overdraft transaction—and can be charged up to three fees per day. If the original transaction amount is less than $5, we will not charge an overdraft fee.' It adds: 'Overdraft Coverage does not apply to checks, ACH and recurring debit card transactions. Truist may pay these transactions at our discretion and fees may apply.' These are Truist's published statements by product; the terms of your own account are in your account agreement and fee schedule, which we did not review.
Regulator and agency actions we found
Who supervises Truist. Truist's 10-K for 2025 says: 'Truist Financial Corporation, a BHC that has elected to be an FHC, is subject to the BHCA and consolidated regulation and supervision by the FRB. Truist Bank, a North Carolina state-chartered commercial bank that is not a member of the Federal Reserve System, is subject to regulation and supervision by the NCCOB and the FDIC. Truist Bank and its affiliates are also subject to regulation and supervision by the CFPB in relation to certain federal consumer financial protection laws.' (FRB is the Federal Reserve Board; NCCOB is the North Carolina Office of the Commissioner of Banks.)
Scope of our searches (2026-10-18). We searched the CFPB enforcement-actions list for 'truist' (no results) and for 'suntrust' (one result), and read the Federal Reserve enforcement-actions data files (federalreserve.gov/supervisionreg/files/ea-old.json and ea-cms-recent.json). No Federal Reserve action naming Truist as the institution was found in those files; the entries that mention Truist are letters to individuals that name 'SunTrust Bank n/k/a Truist Bank'. We did not open the FDIC, NCCOB, OCC or state attorney general enforcement databases (apps.occ.gov did not load), so this section does not say that no other actions exist.
Actions against predecessor institutions. The items below were issued before the December 2019 merger to BB&T Corporation, SunTrust Bank, SunTrust Banks, Inc. and SunTrust Mortgage, Inc. They are predecessor actions and are not actions against Truist.
- SunTrust Mortgage, Inc. (CFPB, filed June 17, 2014). The CFPB page says the CFPB, the Department of Justice, the Department of Housing and Urban Development, and attorneys general in 49 states and the District of Columbia 'filed a proposed federal court order requiring SunTrust Mortgage, Inc. to provide $500 million in loss-mitigation relief to underwater borrowers. The order also requires SunTrust to pay $40 million to approximately 48,000 consumers who lost their homes to foreclosure and $10 million to the federal government. SunTrust must also pay a $418 million penalty, in a parallel mortgage lending filing by DOJ.' The case is U.S. District Court for the District of Columbia, No. 1:14-cv-01028, and the CFPB lists its status as 'Expired/Terminated/Dismissed'. We did not read the consent order itself, so we do not quote its admission language. We did not verify how SunTrust Mortgage, Inc. relates to Truist Bank today; the Federal Reserve's 2011 order and 2014 penalty order named SunTrust Mortgage, Inc. together with SunTrust Banks, Inc. and SunTrust Bank.
- Federal Reserve cease and desist order, April 13, 2011 (SunTrust Banks, Inc., SunTrust Bank and SunTrust Mortgage, Inc.). The Fed's list shows an order dated 2011-04-13, amended 2013-02-28 and terminated 2018-01-12. The Fed's 2011 release announced actions against 10 banking organizations, including SunTrust Banks, Inc., 'related to deficient practices in residential mortgage loan servicing and foreclosure processing'.
- Federal Reserve civil money penalty, $160,000,000 (SunTrust Banks, Inc., SunTrust Bank and SunTrust Mortgage, Inc.), released July 25, 2014. The Fed's release says the penalty related to 'unsafe and unsound practices in residential mortgage loan servicing and processing' and that an agreement in principle was reached on October 10, 2013. The order is titled 'Order of Assessment of a Civil Money Penalty Issued Upon Consent' and recites that the parties 'have consented to the assessment'.
- Federal Reserve cease and desist order, January 25, 2017 (BB&T Corporation). The order, issued upon consent 'solely for the purpose of settling this matter without a formal proceeding being filed', recites that a Federal Reserve Bank of Richmond inspection 'identified significant deficiencies in BB&T's firmwide compliance program with respect to compliance with the BSA/AML Requirements' (Bank Secrecy Act and anti-money-laundering rules). The Fed's list shows it terminated on 2019-04-17.
- Federal Reserve civil money penalty, $1,501,000 (SunTrust Bank), dated May 24, 2017. The order was issued under the National Flood Insurance Act upon the bank's consent in connection with violations of Regulation H, 12 C.F.R. § 208.25 (the Fed's flood-insurance rule), and required payment of $1,501,000 to the National Flood Insurance Program.
- Federal Reserve consent order, November 19, 2019 (SunTrust Bank). The Fed's release of that date, which also approved the BB&T and SunTrust merger, says the Board 'issued a consent order against SunTrust for unfair and deceptive practices' and that SunTrust 'made misleading or inaccurate statements between 2013 and 2017 to certain business customers about the operation and billing for certain add-on products', and that since 2016 it 'has repaid approximately $8.8 million in fees to customers'. The Fed's list shows it terminated on 2021-06-10.
Who is Truist
Truist Financial Corporation says it is headquartered in Charlotte, North Carolina, and that Truist Bank, its largest subsidiary, 'was chartered in 1872 and is the oldest bank headquartered in North Carolina'. Its 10-K for 2025 (filed 2026-02-24) calls Truist Bank 'one of the 10 largest commercial banks in the U.S.' with 1,927 branches as of December 31, 2025, and lists consumer and small business banking, commercial and corporate banking, investment banking, wealth management, payments and specialized lending among its businesses.
The 2019 merger. A Form 8-K filed December 9, 2019 says that effective December 6, 2019, Truist Financial Corporation (previously BB&T Corporation) completed a merger of equals with SunTrust Banks, Inc.: 'SunTrust merged with and into the Company, with the Company surviving the merger'. It adds that 'SunTrust Bank ... merged with and into Branch Banking and Trust Company ... with Branch Bank continuing as the surviving bank. In connection with the Bank Merger, Branch Bank changed its name to "Truist Bank".' Complaints filed before December 2019 under the names BB&T or SunTrust therefore concern the two predecessor banks, not the combined Truist operation.
An 8-K filed in October 2026 (Item 5.02) says Truist announced on October 16, 2026 that Dontá L. Wilson, Senior Executive Vice President and Chief Consumer and Small Business Banking Officer, will be leaving Truist effective December 31, 2026. In the filings we checked on 2026-10-18 we did not identify a new settlement, enforcement action or data-breach disclosure.
Truist's website footer says banking products, including loans and deposit accounts, are 'provided by Truist Bank, Member FDIC', and that securities and brokerage accounts are 'offered by Truist Investment Services, Inc., an SEC registered broker-dealer'.
Complaint record: BBB, CFPB, Trustpilot and our archive
BBB (as displayed on 2026-10-18). The BBB profile for Truist Bank, Charlotte, NC, which covers its headquarters and corporate-owned locations, shows BBB Accredited Business, BBB Rating A+, '3,385 total complaints in the last 3 years. 812 complaints filed in the last 12 months', and customer reviews of '1.1 /5 stars, Average of 867 Customer Reviews'. BBB's raw page data gives accreditation 1986-10-01, file opened 1986-09-01, business started 1872-01-01 and incorporated 1968-09-24. The BBB complaints tab says: 'When considering complaint information, please consider the company's size and volume of transactions. Note that the nature of complaints and a company’s responses to them are often more important than the number of complaints.'
CFPB Consumer Complaint Database (as displayed on 2026-10-18). Under the company name TRUIST FINANCIAL CORPORATION the database shows 25,219 complaints received from 2019-11-06 to 2026-10-13, of which 5,756 were received from 2025-10-18. The product fields with the most complaints are Checking or savings account (10,216), Credit reporting or other personal consumer reports (3,697), Mortgage (2,963), Credit reporting, credit repair services, or other personal consumer reports (1,681; the CFPB lists this older product label separately from the 3,697) and Vehicle loan or lease (1,672); company responses are shown as Closed with explanation (22,284), Closed with non-monetary relief (1,543), Closed with monetary relief (1,162) and In progress (230); 24,970 are marked timely and 249 not timely. The CFPB publishes complaints without verifying them. The database lists the two predecessors under separate names: 'SUNTRUST BANKS, INC.' (9,634 complaints, 2011-12-01 to 2020-02-25) and 'BB&T CORPORATION' (5,522 complaints, 2011-12-01 to 2020-02-28). We do not add these counts together or compare them with each other or with BBB.
Trustpilot (as displayed on 2026-10-18). The listing for www.truist.com shows 1.2 from 2,224 reviews and 'Unclaimed profile'. Trustpilot says it does not fact-check reviews.
Our archive. usacomplaints.com carries 475 older consumer posts linked to Truist's predecessor banks BB&T (including Branch Banking and Trust) and SunTrust, published between 2001 and 2013. They are unverified accounts by their authors, written about the predecessor banks, and none of them has been checked by us against bank records. One 2025 post names Truist Investment Services and describes a dispute over funds from a transfer-on-death account; it is an unverified account and is the only linked post from the Truist era. Another 11 posts (2005 to 2013) are linked as related; they are mainly about other parties and are not counted as Truist's own.
Lawsuits and settlements
Bickerstaff v. SunTrust Bank (Fulton County State Court, Georgia, Civil File No. 10EV010485). Truist's 10-K for 2025 and its 10-Q for the quarter ended June 30, 2026 describe a class action filed on July 12, 2010. The plaintiff alleged that overdraft fees charged on debit-card and ATM transactions were interest charges subject to Georgia's usury laws. The filings say the class was certified on October 6, 2017 and that the Georgia Court of Appeals affirmed in part and reversed in part on February 20, 2025. They state that on January 20, 2026, 'without any admission of liability or wrongdoing', Truist entered a settlement in which it 'will contribute up to $240 million to a settlement fund' used to pay class counsel fees and expenses, administration costs, an incentive payment and valid claims. The 10-Q says the court 'granted final approval of the settlement on May 26, 2026, and class members have until September 14, 2026 to submit claims'. The settlement website says SunTrust 'denies that the fees it charged in connection with overdrafts constitute interest and further denies that it violated any law'. The class on that site is people with a SunTrust account not closed before June 1, 2010 who, from July 12, 2006 to April 15, 2014, had an overdraft of $500 or less from an ATM or debit-card transaction, paid overdraft fees and were not refunded, and who were Georgia citizens on July 12, 2010 and continuously through October 6, 2017. The claim deadline has passed. We did not open the court docket.
Other proceedings. The 10-Q says Truist 'is routinely named as a defendant in or a party to numerous actual or threatened legal proceedings', and it estimates reasonably possible losses in excess of accruals of up to approximately $150 million in the aggregate as of June 30, 2026. We did not review other individual dockets for this page, so it does not list or exclude other cases.
Is Truist Legitimate?
Truist Financial Corporation files annual reports with the SEC; its 10-K for 2025 was filed on 2026-02-24 (SEC CIK 92230) and describes Truist Bank as chartered in 1872. Truist's own site states that its deposit products are provided by Truist Bank, Member FDIC. BBB lists Truist Bank, 214 N Tryon St, Charlotte, as a BBB Accredited Business with an A+ rating (accredited since 1986 per BBB's page data) and 3,385 complaints in three years as displayed on 2026-10-18. The CFPB database lists 25,219 complaints under Truist Financial Corporation. Consumers have also filed lawsuits and regulatory complaints, described above as allegations or as disclosed by the company. Truist's 10-K names the Federal Reserve, the North Carolina Office of the Commissioner of Banks, the FDIC and the CFPB as its supervisors. This page gives no rating or verdict.
Court & Public Records
| Case | Authority | Dates | Type | Outcome | Source |
|---|---|---|---|---|---|
| Bickerstaff v. SunTrust Bank Docket 10EV010485 | State Court of Fulton County, Georgia | Settled | Settled Class action alleging that overdraft fees on debit-card and ATM transactions were usurious interest under Georgia law. Truist's 10-Q for the quarter ended June 30, 2026 says that on January 20, 2026, without any admission of liability or wrongdoing, Truist settled with the class and will contribute up to $240 million to a settlement fund, and that the court granted final approval on May 26, 2026, with claims due by September 14, 2026 (deadline passed). SunTrust denies that its fees were interest or that it violated any law, per the settlement website. The docket itself was not opened. | Source |
Related Complaints
Names this company in a role other than the primary subject — not necessarily current or complete.
Company Relationships
- Formerly known as: BB&T Corporation
- Affiliated with: SunTrust Banks, Inc.
- Affiliated with: Truist Investment Services, Inc.
Frequently Asked Questions
Who owns Truist and what is Truist Bank?
Truist Financial Corporation is the holding company; its 10-K for 2025 calls Truist Bank its largest subsidiary and says the bank was chartered in 1872. A Form 8-K filed December 9, 2019 states that BB&T Corporation changed its name to Truist Financial Corporation and that Branch Banking and Trust Company changed its name to Truist Bank after SunTrust Bank merged into it.
When did BB&T and SunTrust become Truist?
The 8-K says the merger of equals with SunTrust Banks, Inc. was completed effective December 6, 2019, under an agreement dated February 7, 2019 (amended June 14, 2019).
What number do I call for Truist customer service or fraud?
Truist's contact page lists 844-4TRUIST (844-487-8478) for domestic calls and +1-910-914-8250 from outside the U.S., and says to select option 1 to report fraud, 24/7. Its quick-numbers list says option 1, then option 4. Hours for teammates: Monday through Friday 8 AM to 8 PM EST, Saturday 8 AM to 5 PM EST, Sunday automated only (read 2026-10-18).
How do I file a complaint about Truist with a regulator?
The CFPB accepts complaints about financial products and services at consumerfinance.gov/complaint and says most companies respond within 15 days. The public database lists the company as TRUIST FINANCIAL CORPORATION. Per Truist's 10-K, the bank is also supervised by the North Carolina Office of the Commissioner of Banks and the FDIC, and its holding company by the Federal Reserve; those agencies, and state attorneys general, are other places to raise a concern. We did not review their complaint pages for this profile.
Is the SunTrust overdraft class action settlement still open for claims?
The settlement website says the claim deadline was September 14, 2026, after the court granted final approval on May 26, 2026. The deadline has passed as of 2026-10-18. Questions go to the settlement administrator at 1-877-239-8765 (toll-free), per the site's FAQ.
How many CFPB complaints are there about Truist?
As displayed on 2026-10-18, the CFPB database shows 25,219 complaints under TRUIST FINANCIAL CORPORATION from 2019-11-06 to 2026-10-13, with 5,756 received from 2025-10-18. Complaints under the names SUNTRUST BANKS, INC. (9,634) and BB&T CORPORATION (5,522) are separate entries. The CFPB does not verify complaints.
What do BBB and Trustpilot show for Truist?
Figures below are as displayed on 2026-10-18 and come from two separate sources that we do not combine. BBB: the profile for Truist Bank in Charlotte shows BBB Accredited Business status, an A+ rating, 3,385 complaints in the last 3 years and 1.1 out of 5 from 867 customer reviews. Trustpilot: the page for www.truist.com shows 1.2 from 2,224 reviews and an unclaimed profile.
Are the BB&T and SunTrust posts on this page about today's Truist?
They were published between 2001 and 2013 under the names BB&T and SunTrust, before the December 2019 merger. Under the 8-K, Truist Bank is the renamed Branch Banking and Trust Company into which SunTrust Bank merged, but the posts are unverified accounts by their authors about the earlier banks' practices at the time.