This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade F 1,393 complaints

Truist Financial Corporation - Debt Collector Complaint Profile

CFPB complaint profile across 45 states, reputation grade F.

Complaints by issue type

What consumers report about Truist Financial Corporation

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 48.1/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Truist Financial Corporation ranks ahead of 12% of the 5,283 collectors PlainCollector grades - 88% keep a cleaner CFPB record, on 1,393 all-time complaints and a 99% timely-response rate.

12th pct
reputation rank of 5,283 graded collectors
1,393
CFPB complaints, all-time
99%
answered inside the CFPB window
569
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Truist Financial Corporation?

Truist Financial Corporation has accumulated 1,393 total CFPB complaints across 45 states, with 569 filed in the most recent 12 months against 824 historical complaints before that window. The trailing-12-month volume represents 40.8% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 99% timely-response rate.

Complaints have been recorded across 45 states, led by Florida with 218 and Texas with 202. Normalized against the full CFPB collector database, the reputation score of 48.1/100 places Truist Financial Corporation in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

1,393

high-volume (CCDB)

Last 12 months

569

40.8% of all-time complaints

Rising ↑

States active

45

multi-region footprint

Timely response rate

99%

excellent band

Reputation grade

F

48.1/100 composite

How does Truist Financial Corporation's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

48 Bottom 12% higher than 12% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Truist Financial Corporation versus the debt-collection vertical average.

Timely response within SLA 99.2%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

State coverage breadth 80.4%

Share of US states + territories with at least one filed complaint against this collector.

How does Truist Financial Corporation compare to its peers?

How does TRUIST FINANCIAL CORPORATION compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
TRUIST FINANCIAL CORPO… National average
Complaints (last 12 mo)lower is better
569
425
268
Timely-response ratehigher is better
99%
99%
91%
Consumer-dispute ratelower is better
0%
15%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-03 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 586
Took or threatened to take negative or legal action - 372
Written notification about debt - 168
False statements or representation - 161
Communication tactics - 82
Threatened to contact someone or share information improperly - 14
Electronic communications - 10

Where do complaints against Truist Financial Corporation come from?

Truist Financial Corporation's own per-state count, not a national baseline.

Top states by complaints against Truist Financial Corporation

Across 45 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Truist Financial Corporation contacts you

A grade of F signals how Truist Financial Corporation's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Truist Financial Corporation and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Truist Financial Corporation ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Truist Financial Corporation? ▼

The most common issue consumers report about Truist Financial Corporation is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 1,393 complaints filed with the CFPB.

Are complaints against Truist Financial Corporation increasing or decreasing? ▼

Complaints against Truist Financial Corporation are rising. The company received 569 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Truist Financial Corporation's reputation grade? ▼

Truist Financial Corporation has a reputation grade of F (score: 48.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Truist Financial Corporation respond to consumer complaints? ▼

Truist Financial Corporation has a 99% timely response rate to CFPB complaints.

In how many states does Truist Financial Corporation operate? ▼

Truist Financial Corporation has received CFPB complaints from consumers in 45 states, with the most complaints from Florida (218 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.