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1 Star Rating
I had to notify Truist Bank's Credit Card/Cardmember Services of (2) seperate Credit Card disputes/and/or/chargebacks. One of the chargeback disputes pretty much resolved itself when the merchant finally got around to issuing the credit for the item, however the merchant issued the credit $12.00 short of what the total credit should have been so Truist's chargeback department had to contact the merchant over the $12.00 difference to try and get the money back from them. In the case of the 2nd chargeback dispute the merchant never issued credit for the item and so I had to forward all the necessary documents to Truist's chargeback department which included a written 3 page document and 2 pages of UPS/or/United Parcel Service Tracking documents showing that the merchant received the package that I "refused" back and signed for it but never processed a credit to my credit card account. It's like chargebacks 101. Truist's chargeback department never issued a "provisional credit" for this and the disputed amount remains part of my outstanding balance. As a person who occasionally likes to pay off their balance in full this chargeback makes it difficult because they did not issue the provisional credit to my account while the dispute is being investigated and I don't know the exact amount of the outstanding balance w/interest charges to get the legit part of the balance paid in full. I have logged about 20 to 30 plus phone calls which include hang ups and being blindly transferred to various departments regarding the issuance of the provisional credit and still no coherent answer. Truist has their chargeback department in a foreign call center and the representatives simply don't know what they are doing or saying. They don't even understand how the chargeback processes works and how they pertain to the Visa/MC rules and regulations. It is sooooooo frustrating and aggrivating. I've been calling for weeks now to get an answer and I'm not getting anywhere fast. I have informed them that I am going to try to get assistance from the local branch and if that fails I will take the necessary steps to contact the CFPB the government agency who overseas financial institutions and force them to respond, and this blemish and complaint will show up on their permanent record. The Truist Bank is just a mess. I am seriously considering just getting rid of the credit card altogether when this whole ordeal is over. As someone who worked in the credit card industry for 22 years before changing careers they get big 0 stars and I wouldn't even give them that if I could give them a negative score. My advice to people is to STAY AWAY FROM TRUIST BANK. PLEASE RUN RUN RUN FOR YOUR LIVES!!!!!
Product: Truist Credit Cards
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