Truist Bank Review: Fees, Comparisons, Complaints & Lawsuits

Truist Bank
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Truist Bank

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Truist Bank Overview

Truist Bank is the result of the merger between SunTrust Bank and BB&T Bank. The two companies boast a combined 275 years of banking history and handle over $300 billion in deposits each year.

The merger is ongoing, with each bank operating select services through the other while slowly consolidating into the Truist Brand. The merger is not expected to be complete until late 2022.

Truist Bank Payment Processing

Truist Bank announced in 2020 that it would partner with Global Payments to provide merchant account and credit card processing services through their TSYS processing network. We will assume that the payment processing details are similar to a standard TSYS merchant contract. Truist Bank processes all major credit and debit cards for most business types. Their services include POS systems, virtual terminals and payment gateways, contactless pay, mobile solutions, PCI compliance, and data reporting and analytics.

Truist Systems Location & Ownership

Global Payments Direct, Inc. is a registered ISO of Wells Fargo Bank, N.A. Concord and BMO Harris Bank N.A.

Truist Bank is headquartered at 214 N Tryon St Charlotte, NC 28202, but it also maintains a large presence in Atlanta and Winston Salem, where the two independent banks were originally headquartered. William H Rogers Jr is listed as the CEO of Truist Bank.

Video Summary

Truist Review Table of Contents

  • Costs & Contract: Typically offers a three-year contract that automatically renews for one year and includes an early termination fee of…
  • Complaints & Service: Has received over a thousand public complaints regarding…
  • BBB Rating: Has an “A+” rating with the BBB and has received 1,897 complaints and 458 reviews in regards to…
  • Sales & Marketing: Does not hire independent sales agents and has received a low number of complaints about its sales practices. However, Global Payments and TSYS utilize independent sales agents and have received some complaints about…
Truist Bank payment processing

Truist Bank offers a variety of standard payment processing services

Should You Trust Truist Bank?

Lawsuits, Reviews & Complaints

Here's Who We Trust.

Complaint Summary

Total Online Complaints
1000+
Live Customer Support
Yes
Most Common Complaint
Merger Confusion

Over 1000 Complaints

Between the three operating names Truist, BB&T, and Suntrust, there are thousands of online complaints ranging from customer service issues to mortgage and banking error-related claims. However, these reviews are mainly in regard to the company’s banking services and by and large do not reflect the quality of their merchant services.

Common Complaints

Looking at the Better Business Bureau profile for Truist and other public forums online, many of the complaints root from poor support from loan and mortgage officers. There is also a large portion of complaints regarding fraud and Truist’s inability to resolve these issues in a timely manner. There are also many customer support service complaints from merchants and commercial accounts describing frozen funds, so the complaints are not entirely related to the banking side of the company. It also appears that a large number of complaints relate to issues with the current merger, either causing account confusion or unexplained charges under new systems.

Truist Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against Truist Bank. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations and by leaving a review of your own in the comment section of this article below.

Truist recently settled a copyright infringement lawsuit brought by Winston-Salem based regional credit union, Truliant, who accused Truist of appropriating their brand equity. The case was settled out of court and details of the settlement are unknown.

In 2020, Truist was sued for alleged discrimination, but the case was settled out of court.

It appears an antitrust lawsuit was brought against Truist in 2021, but there are not many details available.

Truist Customer Service Options

Truist offers 24/7 phone support to all of its banking and merchant accounts, which is standard practice for banks of their size.

We have located multiple Truist customer service numbers:

(844) 487-8478 – Toll-Free General Customer Service
+1 (910) 914-8520 – International
(800) 786-8787 – SunTrust
(402) 935-2050 – For customers calling from outside the US

Truist does not offer a dedicated email support address or live chat.

However, the previous banks’ track record with public complaints has kept its rating in this section at a “B.”

Is the BBB Rating for Truist Bank Accurate?

Better Business Bureau Profile

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BBB Summary

Advertising/Sales
459
Billing/Collections
235
Delivery Issues
67
Guarantee/Warranty
26
Product & Service Complaints
1,110

Over 1,800 Complaints

According to the Better Business Bureau, Truist has been in business for 149 years. However, as mentioned previously, the majority of these years have been under the name of BB&T and Suntrust Bank. Truist has been accredited by the Better Business Bureau since 1986 and currently has an “A+” rating with 1,897 complaints and 458 reviews in the last 36 months.

459 of the complaints relate to advertising or sales, 235 are due to billing or collections issues, 67 are due to delivery issues, 26 concern guarantees and warranties, and an overwhelming 1,110 stem from a problem with a product or service. Only 976 of these 1,897 complaints were resolved by the company to the satisfaction of the merchant. The remaining 921 were resolved to the dissatisfaction of the merchant or received no final response.

What Merchants Say

Truist has also received 458 informal reviews to its profile. Only 7 of those reviews could be considered positive. Truist’s vast majority of negative reviews through the BBB describe customer service issues due to the recent merger:

Since B b and t became truist their service is so awful it’s a zero star for me!! I’m trying to pay my own credit card but can’t because they locked me out of my auto pay asking for a pin. I never needed a pin before and I work long hours and can’t go into the branch to make a payment. I just talked to one teller locally at the bank and he was completely worthless he couldn’t even help me in anyway to make an additional payment on top of what is owed to my own credit card!! Never seen such pathetic service with absolutely no ability to help. I am closing my credit card account ASAP don’t even deal with this new bank you will be sorely disappointed. I have always been on time and this was my first ever credit card with them so I hope they read this and know they lost a very loyal customer. Get your service straight. I’m done!!

A “C” Performance Overall

Both BB&T and Suntrust are bringing in their respective brand baggage, and it’s difficult to discern how they are treating their merchant accounts overall, however, the overwhelming amount of negative reviews in regards to their overall customer service is alarming. Due to the immense volume of complaints, we have adjusted the BBB’s rating to a “C” grade according to our rating criteria.

How Expensive is Truist Bank Service?

Rates, Fees, and Contract Terms

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Cost Summary

Swiped Rate
2.5% + $0.20
Keyed-in Rate
3.5% + $0.20
Early Termination Fee
$295
Equipment Lease Terms
48 Month (locked)

Partnered with Global Payments

Truist Bank announced early on in the merger that it would partner with Global Payments to provide merchant and payment processing services to its clients. Global Payments acquired TSYS in 2019, instantly making it one of the largest payment processors in the world. TSYS has long been utilized as the backend support for other large merchant account providers.

Variable Global Payments Contract Terms

According to our Global Payments review, merchants have reported rates as low as 1.1% plus $0.19 for credit transactions and 0.5% plus $0.19 for those using debit. However, the pricing and fees of a Global Payments merchant account will vary based on several factors, including a merchant’s business type, processing volume, and the reseller setting up the account. A sample Global Payments agreement from 2019 lists an early termination fee of $500 per location or Liquidated Damages, whichever is greater, which can result in outrageously expensive cancellation penalties under the latter condition. However, it appears that the service length agreement and early termination fee can be avoided by entering into a month-to-month agreement for the company’s services. Business owners are advised to fully understand the terms of cancellation before signing any documents.  Other user reviews have claimed being charged an undisclosed $299 annual maintenance fee, account fund-holds, and difficulty closing their accounts.

Negotiate Contract Pricing

We have not been able to find a Truist merchant account contract at this time. Merchants who have recently signed up for payment services through Truist Bank are encouraged to leave a comment below describing their experience. Merchants are always encouraged to negotiate pricing and contract terms and to read all contracts thoroughly before signing in these cases.

Does Truist Bank Use Deceptive Marketing?

Advertising & Sales Strategy

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Key Points

Uses Independent Resellers
Unknown
Promotes Deceptive Rates
No
Discloses All Important Provisions
No

Previous Independent Sales Teams

While there is public record of TSYS and Global Payments hiring independent sales agents in the past, there is no current information to suggest that Truist contracts are under the same sales systems. Global Payments has been known to heavily rely on independent sales agents in the past, and it is one of the main complaints about the company. We implore our readers to share their experiences with Truist’s sales staff in the comments below.

Variable Truist Contract Terms

Truist has been publicly shown to be a reseller of Global Payments and TSYS contracts. The exact details of these contracts when issued by Truist are still unknown. Global Payments and TSYS are both considered reputable as payment processors and have good reputations overall. There is a concern that some details might be different once they travel through Truist’s complicated system of rebranding and reorganization.

Does Truist Bank Deserve Your Business?

Review Summary & Our Thoughts

Until Truist has solidified its large banking arms into one brand, it’s going to be difficult to get an overall picture. The amount of confusion already caused by the merger and the seeming lack of support systems in place for merchant and consumer accounts alike is alarming. It is difficult to recommend Truist as a merchant account provider in the current atmosphere. We look forward to updating this review in the future once more information about Truist Bank’s merchant accounts surfaces. We also ask our readers to submit their experience in the comments below

Customer & Employee Reviews

What Others Are Saying About Truist Bank

57 Responses

  • Frederick Heitman

    I keep trying to find one, just ONE positive in this merger. On the negative side, they have closed all the BB&T and SunTrust branches near me,have lowered interest rates on deposits to be one of the lowest in the country, have made me change browsers because they do not support Firefox,have an online account page that is terrible, and changed my monthly account closing date to the middle of the month (without notifying me) instead of the end of the month which is much more convenient and segues with other accounts I have and bills I pay. What is astonishing is that these bozos really thought people would love Truist! I have already taken most of my money out and placed it in Treasury Bills where I get more than 400 times the interest I am getting at Truist (4% vs .01%). The rest is going in a regional bank. Yes, Truist is the worst of the worst!

  • Dennis R Tidwell
    retired

    Truist website is garbage. and when you call to ask them about it all you get is the run around. what a disgusting organization

  • Stacy

    Former HAPPY BB&T customer for 20 years.
    I have been fighting Truist for 3 1/2 mos to get fraudulent charges refunded. They never suspended the account and resend a new card until 2 mos after the fraudulent charges were reported. Then AFTER they transferred the balance to a new card, they refunded the fraudulent charges to the old card, which means I am paying interest on the fraudulent charges. Additionally, they have removed ALL information on the compromised account from my online banking…no statements, access, nothing. The way I found out about the refund was through a personal banker at a branch. Even sitting with the banker while they navigate their own system it is clear they have never experienced the kind of disorganization and stupidity present in Truist. To be honest I have been wondering why the Federal Reserve hasn’t been swarming all over Truist. It’s a shit show…people should be warned.

  • Daniel Savage

    I’ve been a BB&T customer for over 30 years, and since being in Morehead City, N.C it’s been changed to Truist bank. Since the truist took over, it sucks. I called the mortgage section of this bank to take care of some business. Three times i’ve called and they give me an answer to my problem with promises. Nothing was done. I’m moving my money and my business to another bank. This bank sucks. I wouldn’t recommend this bank to my enemy. It’s the worst bank i’ve ever delt with. They’re about as organized as a zoo. Don’t do business with these idiots. You’ll be sorry.

  • Shelley

    Business Account holders who do 90% of business thru your merchant account. Pay attention. Every time a holiday falls on a Monday, merchant funds which are normally in the account 5am the following day don’t show till 11-12 noon. This is because they are holding them in their sweep account to earn interest. Friday Sales, Saturday Sales and Monday Sales. This is Bull Malarky, unacceptable and should be illegal. Here I sit along with truck drivers trying to load at quarries because our funds are being held. As soon as I get to a breathing point I will remove my accounts from this bank!

  • Nathan White

    Thank you for this platform, and thank you all for sharing. My experience is very similar to the hundreds of other complaints. Complaints that are unanswered. I’ve lost any confidence in this bank. I’m afraid to make another payment being they misplace 3 out of 5 of my mortgage payments. a mistake on their part that is leaving me with all the consequences. Hurt my credit, endless calls that get nowhere, they all put notes on file but don’t read them so prepare to tell your story forever, long holds, and my personal favorite, they don’t honor their own computer-generated confirmation numbers.

    Our family is now stuck in a terrible situation. Stuck because they trashed my credit. There should be a better answer than paying double mortgage payments every month. sad

  • Geoffrey John Dixon, Sr

    I was transferred from my mortgage company to this bank. I am a brand-new homeowner. My loan is not due until the 6-1-2022. I was shocked when I first called in to make my acquittance, with the bank and who I am. The ROBOT said this is a DEBT COLLECTOR, and any information that is said may be use for that purpose. What da fudge, my account is not even due yet, NOW it’s in a DEBT COLLECTOR BANK. Well, my paychecks come from the FEDERAL GOVERNMENT, and I bank with a MILITARY BANK. I am scared already; with all the NEGATIVE COMMENTS I am seeing here. I am going to try to stay with this bank no longer than 12 months and moved my mortgage to the MILITARY BANK that I have suggested with the former mortgage company. It’s seeming like these BANK people doesn’t listen to their clients.

  • Timo

    I have been with SunTrust for 22 years with no major problem. Since the merger with Truist, I have had nothing but bad experiences. The latest has to do with a large amount check deposit that I made last week. Overnight, Truist withdrew the amount from the source, but put a 1 week hold on my access to the funds. I deal with 5 banks and this has never happened before. I am accustomed to 24 hour holds. When I made the deposit, there was no mention of a one week hold. When I called Truist, they said it was for my security. My security, the funds are going into my account. One week has passed and I still do not have access to my funds, yet Truist has been making money on my funds. I will check with government authorities to see if this is legal. At deposit, the hold period should be clearly stated and if it is more than 24 hours, there should be an accept button to agree with the hold period. Of course, I will never ever make any such deposit to Truist again and substantially limit my business with them.

  • Tammy Barclay

    Worst bank ever! They buyout Suntrust and cannot get accounts right. They have now take double-payments 2 months in a row. Try to get in online account then it gives you an 888 number. You wait like 20-minutes then a lady comes on then has to switch you to someone else then I hold another 20-minutes. Absolutely HORRIBLE!!!

    • Speedqueen77

      One star rating is waaaayyy too generous! This bank is the absolute worst of ANY bank! Long story as short as possible…customer service # non-reachable, hold times over an hour long & then hung up on, branch employees non-reachable by phone, wait times in line at branch very excessive. When customer passes away & family is told to bring copy of death cert to branch to note acct, keep getting calls stating past due & you tell them death cert on file & acct noted (as told to family by branch mgr), person calling states nothing noted on acct, family takes total of 4 death certs to branch mgr & told each time acct is noted as deceased, then acct is turned to collection for non-payment, adding additional fees to the deceased person's acct, trying to draft payments from a closed out acct, incurring more fees, then tries to collect from estate that has nothing to collect from….THIS IS TERRIBLE SERVICE & SHOWS JUST HOW MESSED UP YOUR BANK IS!!! At time customer opened up the loan acct (family member was also present & heard the statement, so there's no denying it), was told by loan officer that should something happen to customer before note was pd off, since no collateral or co-signer on acct, it would be written off with copy of death cert…NOT TRUE! 4 COPIES OF DEATH CERT & NOTES ON ACCT MEAN NOTHING TO THIS TERRIBLE BANK!!! TRUIST PUT THIS ACCT INTO COLLECTIONS KNOWING THE PERSON WAS DECEASED & HAVING 4 COPIES OF DEATH CERT ON FILE & ACCT NOTED AS SUCH, YOU'RE EVEN ADDING ON FEES TO A DECEASED ACCT!!! No one can give us the name & # of Pres/CEO to try & fix this, just keep referring back to non-existent customer service! I'M CONTACTING MY LOCAL TV CONSUMER NEWS ANCHOR TO HOPEFULLY AIR THIS STORY & BRING AWARENESS OF THE TACTICS OF TRUIST BANK!!! LET'S SEE HOW LONG YOU KEEP THE NEWS WAITING WHILE TRYING TO COVER THE STORY! AVOID THIS BANK!!!

    • B

      Just horrible horrible, how would you like to wait 90days to get a money check, never used cashed, destroyed for 10k. Because they just changed the policy all of a sudden? Yet you are leaving the bank in May! Yes. My money

  • Angelica Brito

    I am one of the many customers forced to end up as customers of this awful bank. I had a car loan which I paid always on time through a direct bank to bank deposit, but without a warning my loan ended with TRUIST. No introduction letter, no instructions on how to further pay, until I received notice that my payment was late and I had to pay a late fee. I called the bank and they put me on hold for 1 hour and at the end they took my payment with an extra charge. I asked for the statements of my loan and they couldn’t produce a statement. A month later, another notification of a late payment. Went to the branch office and paid the remaining balance according to their system and 20 days later I received a letter WELCOMING me to their bank. Ridiculous. Today they called me and asked for 50 dollars that according to their records was still pending, when I asked where is this pending balance coming from, they put me on hold for more than one hour and when they came back, they just hang up. Avoid this bank

  • Mark

    I was about to write a crappy review describing how Truist has made every possible effort at their end to make my life miserable by wrecking my accounts beyond usability and then admitting they don’t have the sense nor time to find their way out of a wet paper bag because those bank windows need licking first. However, all the reviews I’ve read sounds exactly what I was about to describe. So I’m just going to advise… RUN… RUN AWAY!!!!!

    • Gigi Quillian

      I agree, I’m pulling my hair out today too. They won’t answer the phone at the branch and when they do, they can not DO anything on your account… they ask if you want Customer Service🤨… that’s why I called. Then you’re on hold until your cell battery dies and start over. Then they have a very thick accent which is almost impossible to have a conversation with and 3/4 of that convo is spent listening to them repeat salutations and accommodations. Then after ten minutes they tell you they can’t do the thing you need on your account and that you should have called earlier before the other action dropped. I did not run the first time it happened. Looking for a new bank.

    • Dave

      Horrific Bank. Please Read. You can reach out to the government and have them get involved with these horrific actions by this bank. This bank is regulated by the FDIC, you can complain here and by law they have to intervene. http://helpwithmybank.gov

  • Don Dane

    Truist, no response to all this negative criticism above?? Just seems wierd..

  • Lovie

    I am so angry I cannot even speak. They cut my card off with no notice,I am 1500 Miles from home with a ten year old and no branch within 200 miles because they merged!! What a bunch of idiots. I cannot get thru on phone ever, unless I wait for two hours. Money missing from account but you can’t report it because they make you wait hours and then hang up. This is criminal.

  • Stella B Lindsey

    I consider this t be the worst bank I have ever delt with and Im 55 yrs old. We had identity theft, my fiance id 65 and receives Social Security Disability benifits. Someone opened his on line banking, with a different phone number than the one that opened the account , they never contacted him about the online banking account. His monthly check was stole through on line banking and a zelle check which we had never heard of before. My fiance has a flip phone and doesnt even know how to turn on a computer. They also used debit card info to do some gambling on line another thing he never does and something they didnt notice again. If you want to stay on hold with representives you cant understand and they dont even try to make themselves clear for hours that will turn into days and weeks, miss work bec ause you are on hold then this is the bank for you.

  • Brenda Harris

    This the worst customer service ever. I have been trying to reset my passcode for a week. I waited on the phone over a hour then they hang up. I called back, waited another hour disconnected. They called my home asking is this (my name) giving me three choice I picked and then it repeated the instruction again without ever responding to my choice. Your rating is the PITS the WORST A Negative -0!!! I am so frustrated with this bank.

  • Bill

    My wife and I wanted to pay off out mortgage on our house and decided to cash in IRA and called Truist (because we were with BBNT but no longer the merger happen) so we were told that there would be a pay off balance mailed to use, well we received two payoff balances in the mail on the same day from different branches. one in Winston-Salem , and the other Charlotte, both in North Carolina and both with different pay offs. so no biggie my wife calls and they put her on hold for 2.5 hours just to announce that they couldn’t take a pay off. So my wife decided to go to the closest bank (which used to be a BBNT but now Truist) and they say that they couldn’t do it either. well that didn’t go over well with my wife and she wanted to talk to a manger of the branch. they directed her to a young man and he told her that they couldn’t do the pay off because they would get in trouble. (this didn’t make any sense to her and we are still waiting for an answer. and just as soon as we pay off the house and get the proper paper work showing it we will never deal with this banking/lending organization . feel sorry for those that have any type of account with them.

  • Ryan Muhlbauer

    I have dealt with many banks and many loans. Truist has 100% been the worst. The only way to contact them is through 1 customer service phone number, of which I had to wait 75 minutes to talk to someone. Then, they were unable to pull up any of my loan information because I had paid the loan off. They had to send out to “research” to get me a statement for interest paid which would be mailed to me. Then as I was very calmly voicing my issues to the representative, I was hung up on. I cannot even fathom how this bank is still in business and I would NEVER use them.

  • Kathryn Muston

    3 hours trying to contact via phone, chat or e-mail. Each interaction went into endless webs of further contact entries. ALL resulted in being disconnected or waiting an estimate of 60 min. Truist is billing an escrow account they added to my mortgage! I DON’T HAVE AN ESCROW. For 6 years I have been paying insurance and taxes myself. Fraud of the highest degree. When I call one of the numbers provided it states they are a debt collection agency. I can only infer they will use the fraudulent escrow account to negatively impact my excellent payment record.

  • Jerriann Graham

    Terrible customer service. On hold for 30 minutes because I couldn’t reset password. After the call I tried to log in and was still locked out. I called back and waited 50 minutes and I’m still not able to log in.My Heloc loan amount is incorrect. The phone # on my account is incorrect and there was an additional email address that did not belong to me. This has got to be the worst bank in history.

    • Kathy Upton

      I can not express how terrible awful Truist bank is – Our account was breached and Truist allowed them to open a Zelle acct and withdraw money. It has been a nightmare dealing with Truist. They froze all of our accounts and we are told we can only withdraw (our money) is if we get permission from the bank manager.!! If this bank manager goes on vacation or dies we are just out of luck.
      We are in the process of changing banks and getting the hell away from Truist after 40 years of doing business with this sorry company.
      I can not express the rude incompetence that runs rampant through out this company.
      For them to say they care about their customer is so grossly incorrect!

  • Joe

    I called in to reset my password. I waited on hold for 35 minutes and then a customer service rep came on the phone. I spent another 37 minutes waiting on this idiot to reset my password. This guy was constantly reading off a script that said he was using his resources to try to help me and thank you for your patience. I stopped counting how many times he said that after around seven or eight times.That literally should have taken two minutes. I asked to speak to his supervisor and he put me on hold for 20 minutes only to come back to tell me that there was no supervisor available. Surprise surprise. This is not the first time I’ve had trouble with their customer service but I promise you it will be the last.

  • MK

    THE WORST customer service EVER!! Tellers have an attitude if you deposit a large amount of checks. Like they are jealous or something. Give you that “attitude” look and shrug. Been with BB&T and prior company for OVER 30 years, TRUIST is the WORST!! New people who DO NOT want to help. I think their motto is “One customer a day”. Could they move any slower? Manager is as clueless as a 2 year old. 5 employees in bank when they opened LATE!! They can’t even tell time.

  • Tamara Stapleton

    ABSOLUTELY ZERO CUSTOMER SERVICE!!! Trying to report fraudulent activity – CHAT Service doesn’ t work. Branch staff could not help me. Called 4 diff 800 #s each rolled to the 50-60 min hold time. UNACCEPTABLE!

  • Michelle

    This is a nightmare!!! Formerly had BB&T no issues. After the merger the new tellers and staff are clueless! Opening admitting they have no idea how the new system works they are rude and short staffed basic transactions take forever !!! Paperless ? I don’t like sitting in front of u and you send me a doc to my phone to sign. I am adult not some kid I like wet signatures and print outs for my records!!! What a joke

  • Tracy Mopar

    Since the merge between Suntrust and Truist, the customer service has went to crap! All the employees are miserable and no one wants to help. I was a Suntrust customer for over 30 years and only had a handful of bad experiences. Definitely not the same customer service. I hate to switch banks but I’m so done with them!

  • Timothy Miller

    I had BB&T accounts for decades and was satisfied with their services in multiple states. Switched to SunTrust when one move necessitated switching because of proximity to bank, and services were fairly good. Now that all banks have merged, the service is chaotic, new terms of service now charge for services I used to receive gratis because of high account balances, and like everyone says, the telephone service (a misnomer if ever there was one) is truly non-existent. The prevailing attitude of the corporation now seems to be F you, go somewhere else if you want something better, which I will do.

  • j nelson

    Got our new Debit cards activated them through Truist never had an issue with Suntrust but now since activating our cards….they will not work and we are dealing with issues where we cannot use them. No one answers the local bank phones I have left messages at all three branches and have been on hold for well over an hour on the card call number. We have auto pay accounts through here but are seriously thinking of finding another bank or better yet credit union to work through. absolutely ridiculous.

    • Mark

      I and my whole family are having the same problem. 2 days on hold and 1 hr. On hold so far today. We are all changing banks!

  • Annette d Montgomery

    I deposited all of my cash into my bank on a Saturday at 10am. Thinking nothing of it I use my debit card (my funds should be there always is ). Look in my account I’m negative. After speaking with customer service I was told I would have funds by 530pm. Here it is Monday morning and I’m still negative. It’s a holiday today and nope my kid won’t get anything. And I had to miss work due to not having any gas money today. Looks like they owe me a days pay as well. Don’t lie to me say you are fixing something that you are not. What a joke can’t even talk to someone 24 hours a day. Worst bank ever. This is not my first complaint.
    Disputes are never completed , fraud department is a joke (allowed a $1600 charge from a hacker and then accused my 32 year old child of stealing my card info ) fraud department stopped it 3 times but decided on the 4th attempt to allow it even after I said you didn’t approve that charge from a text message you sent me then offered me a loan to pay my bills lol what a joke.

  • Alan

    Beware of making car pmt using Truist app. If you make a mistake putting in your banking info they will charge you a fee and bank on you not knowing and then charging a late fee and reporting to the credit bureaus. App does not req you to rekey your checking number to catch a mistake. Also they do not retain your banking info thus you are required to rekey every time to make pmt. Truist is making money on fees!!! Beware
    I have filed a federal reserve complaint.

    • Sue

      Their bill pay is a scam. I made a payment to be delivered on 1/19 and 1/26. They processed it on 1/13 and 1/18. Charging my account to be overdrawn and charged me 8 overdraft fees.

  • Antolín L. Garza

    Truist Bank of Estero, Florida! My wife and I are retired senior citizens on a fixed income. Recently, we were seriously tricked into wiring part of our savings in a SCAM. Being fearful, we did the wire act to an account at this Truist Bank in Estero, Florida! As soon as I realized it had been a SCAM, my bank contacted appropriate channels to have our money refunded! Well, Truist Banks Fraud Specialists Team have denied our request. The reason being that that account we wired our money to did not have any funds! I would like the owning chiefs of Truist Bank/s to contact me soon. I would like to speak about our case and purpose! My email is: [redacted]
    We reside in McAllen, Texas.

  • john chirico

    truist company for two months i have written letters emails made 50 phone calls none every got answered hold times pass 4 hours a day…. 56 instant messages not returned
    facebook postings not returned….. i have had zero contact for 2 months despite trying everything….. this could be a shell company…. how can no one work here….. i spend 66 hours on hold over 43 days and non one has answered i must stop the payments today and noticy the state and government…..MUST WARN OTHERS TO AVOID THIS

  • Paula

    Worst bank to deal with!!! I was sent an interest free balance transfer offer. It turns out they are charging me interest monthly. Don’t call them to inquire or you will be aced on hold for hours!!! I held for over two hours! Pulling my money out!!! BBT made the worst mistake merging with them.

  • Kevin Harrington

    This is the worst bank and lending establishment I have ever delt with, it is obvious that ‘customer service’ is not one of their core values. I urge all consumers to boycott this extremely incompetent organization. They completely ignored several requests for obtaining the title to my vehicle as well sent me a mailing stating to send first payment to an address that they later claimed was incorrect. I became concerned when I noticed through my online banking (with another customer driven bank) that payment had not posted. When I called them (waiting over an hour on hold at times) they stated the address they mailed to me was incorrect for sending payments to, the representative requested I stop payment through my bank and gave me another address to send a payment to them. I have received a statement now stating they are going to charge me a $30.00 fee for cancelling the original payment. Furious doesn’t describe how I, feel and no one has rectified this to date from repeated calls to them. STAY AWAY from this BANK TRUIST IS TERRIBLE!!!!!! (Another dissatisfied customer).

  • Doug

    I recently opened an account with SunTrust after primarily working with a credit union for years. SunTrust merged with BB&T to become Truist and my review is about the entire mess. I opened the account with quite a large sum of money in the mid 6 figure range.

    The problems started almost immediately. The Code I was provided to activate my online banking would not work. Getting someone on the phone for help was an exercise in futility and a trial of patience. It took over an hour to get assistance in setting up the online banking.

    Concerned about the lack of customer service I attempted to find any contact information for their corporate office and there is no information publicly available. This is an enormous red flag. Not only was there no access to any type of executive escalation team but there was no offer at any point in getting the runaround to escalate complaints.

    I called again today needing to speak with someone and I was put through to Truist. After wasting nearly 20 minutes of my time answering 50 questions to get through to an agent (this is done for my convenience apparently) I finally got a woman on the phone with a very strong accent that was very difficult to understand. I asked her if this was an overseas call center and she said I was talking to someone in the Philippines and then hung up on me. These are the people managing my money and who have access to my account information. I called back again and spoke to another agent in the Philippines as well. I explained the previous agent just hung up on me and I wanted a supervisor. She immediately stated there was no supervisor available. When I told her I was closing the account due to the horrible customer service she responded “Let me see if a supervisor is available”. I think that speaks for itself.

    SunBank/Truist/BB&T have decided that it’s ok to have an overseas call center with questionable people having access to your banking information. The first person I spoke to hung up on me and the second person I spoke to lied to me. That doesn’t instill any sense of assurance that my money or financial information is safe but Truist doesn’t care about taking care of their customers, only their bottom line. I was finally transferred to a supervisor in the USA who himself voiced concerns over the use of overseas call centers and actually said “I don’t know why they did that”. He told me that there was another number to call for SunTrust.

    I called that number and sat on hold for one hour and thirty seven minutes before another agent in the Philippines picked up the phone. When I voiced concerns about the competency of the people handling my money he said they were well trained. When I said the first person hung up on me and the second lied to me he said he would submit “feedback”. I’ve been hearing that for years with these overseas call centers yet the experiences typically are negative. My experience with this call center which apparently is managing my entire life savings was no different than what I experienced when Amazon was late shipping an item.

    I told him that if I don’t receive a call from someone in their corporate office in the next 24 hours to apologize and provide another means of communicating with them I would be closing the account and moving to another bank.

    Be aware of what these people are doing with your money and who they are giving access to it. And they are doing it in a quiet and sneaky way. This is a bank that doesn’t value their customers in spite of all the doubletalk. Actions speak louder than words. They wasted my entire day.

  • Josh

    This bank is trash. Only reversing 2 overdraft fees for a 24 month period is a joke. Things happen. They also don’t hesitate to hit you with overdraft fees for EVERYTHING that tries to come out.

  • Timothy

    Truist bank employees at the Bernville branch are obnoxious, talk down to you, and yell. The worst bank with ridiculous rules. The worst thing to happen to the BB&T bank was changing to truist.

  • Christine

    Banking with Truist it’s one of the most frustrating things I’ve ever encountered in banking. I’ve been with SunTrust for 35 years, and BB&T for four years… They’ve both been great banks. Everything had been easy and accessible and I had been able to complete transactions online. Now that they’ve switched over to truest, there is not one thing that works. Every single transaction I’ve attempted, has ended up at a dead end. This bank is going to go out of business and soon. So far, I have not read one positive review, and most every review states that they will be moving to another bank. And, I’m with them… I’ll be moving to another bank after all this time having been with Suntrust … I mean, I was even with SunTrust when they were Trust Company.
    Truist is completely incompetent.

  • Royce

    Disagree with this?!? BBB has a 1.7 of 5 rating for Truist
    My Truist experience has been negative (previously loved Suntrust for over 15 yrs).
    Issues include internal transfers taking DAYS, erroneous holds on deposits, deposits are inconsistently added, sometimes taking days, zelle is no longer an option, Truist app was dysfunctional for a while, the running account balance ledger is not kept up to date, customer service is limited to front line help so if you need to speak to a manager you have to wait for a call back (good luck!). I’ll begrudgingly be going through the process of switching banks because I can’t trust my bank now.

  • Barbara J, and Paul W. Wright

    Truist Bank drained $5,668.93, $5,000.00, and $668.83 from our bank account all in one day, plus our bank charged $900.00 for Overdraft Protection Deposit. Truist Bank was only supposed to withdraw the $5000.00 and $668.83. I have been calling them since day 1. Finally talked with one of their representatives today and even though they took my money in one day, I will have to wait 5 to 10 days to get my money out that they unlawfully withdrew. They had the nerve to refuse returning the $900.00 that came out of our checking account because they sent in 3 electronic withdrawals, the $5000 and $668.83.

  • Raymond Williams

    I have been on hold for 72minutes. Horrible service. Online information is never updated day of
    payment never mind tranfers or deposits. Do Not Open an account here. The “We are busy but a
    representative will be with you shortly” a Joke. We will move out of this mess today. Mary and
    Ray Williams, Bluffton, SC

  • Donna

    I have banked with BB&T for about 10 years and they were great. If I did have a problem, I called them and I always received a response within a day and my problem was solved. They were pleasant, extremely helpful and caring. Now I am looking for another bank because Truist Bank is uncaring, they charge more fees and their app is horrible.

  • James Page

    Leaving after 21 years with Sun Trust. Worst banking experience ever encountered. I’m not going to waist my time listing what’s broken ……. basicly everything. Run, don’t walk to another financial institution. Horrible!

    • Russell Bush

      Refinanced and was ‘lucky’ enough to have Suntrust/Truist scoop up my loan. They are currently not able to set up a recurring monthly, biweekly, one-time payment for a loan online. That’s right. They don’t have a functioning website to this. I have been trying for 2 weeks and it crashes everytime. Only way to pay a bill is through an automated phone service. I wouldn’t give any human you talk to there any payment information. Read the reviews online. This bank should be shut down immediately and the fact they are even operating at all is a testament to widespread corruption elsewhere. There is literally no other explanation.

  • Barbara Sykes

    It is a universal truth that customers will suffer when one company takes over another company. Truist has taken over Suntrust and there are SO many problems with my accounts and with their websites that I cannot even list them all. And their ‘customer service’ representatives seem incapable of reading and comprehending the English language. I want to switch banks but I am not even sure if they can handle that competently!

  • Christi Hatfield

    I was with BB&T for over 20 years. I have now began looking for another bank to transfer my funds and needs. When the merge was taking place, it was spoken to current clients that nothing would change and it would be a better banking experience …..not true! 2 locations closed, unable to handle a joint account (other card user has to create an account…even if it’s a shared account…when both parties sign as joint, then both parties are excepting responsibility and should not be divided), was able to correspond with customer service through email with BB&T…so much more. This has been a very frustrating experience to say the least. My husband was asked if he had his drivers license and the rep had to have that information even after ssn, date of birth and address was verified.

  • Peter Bevan

    ATMs in Spartanburg SC do not allow cash withdrawals on 10/30/2021. I went to one SunTrust branch on Hillcrest and the two remaining BB&T locations and got the same problem. All three ATMs only provided account holder to perform an account inquiry or make a Deposit!! Not
    known why these areas ATMs are not allowing W/Ds? Other Truist ATMs in other cities like Myrtle Beach, Florence, Charleston etc. appear to be okay with W/Ds….
    I did file an issue via FaceBook, got an acknowledgement and a promise to have the “ATM Team” investigate but so far, haven’t heard why the problem in Spartanburg.

  • Roger

    You took away credit score which we had with Suntrust which is most Important but also took away time of transactions.

  • Paul Ostand

    We had BBT as our bank for 25 years. It is now Truist and is very difficult to use and deal with. Too many things to deal with. The website is terrible. We are actively looking for another bank and when we find it we will not look back.

    Unhappy in West Virginia.

  • Mary Patrick

    This is the worst BANK. The ATM, machine shut down in the middle of my transaction. I called the 800 number with no results. I went inside of bank just to have them tell me that they had nothing to do with their own ATM machine. I even had pictures to show them what had happened. they didn’t even bother to take a look at the picture. It didn’t even matter to them. This bank is nothing like Sun Trust. They said that it would take 7-10 days to get my money back, I get it back. I called later that same day and they wouldn’t even listen. They just hung up on me. Please stay away from this BANK.

  • Ramona Winters

    I am so upset..it has always been easy to access my acct…until today, they changed everything. Not its complicated and asking me to do things I do not do to get into it..so, today i cannot access my acct.. I am seriously thing about finding a bank that will be easier for me to manage online.Ramona winters

  • Jody

    I used to bank with these guys beck when they were sun trust, I always had problems and ended up leaving when they lost done of my cash.

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Phillip Parker
Credit Card Processors
2 min read
57 Comments
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