Truist Home Equity Loans

We needed to refinance our current mortgage with cash out to pay off our credit card debts. We're retired on a fixed income, so once the zero APR ran out, we couldn't keep up with the standard APR's high interest rate. Luckily, we have built up a good amount of equity to pay off the majority of our cards. It was a relief for us. We have been juggling with our bills and feel like being on a nonstop treadmill. We're so lucky to have Stacy Jeffries and Nicholas Reemtsen to help us with the refinance. We're impressed with their professionalism, performance, personable nature, and empathy throughout the process. It has been a blessing for us. They're our guardian angels. Thank you, Stacy and Nicholas, and TRUIST.

While the customer service agents I spoke with were polite and professional, Truist's policies left me very disappointed. After years of making every mortgage payment on time, my wife and I tried to pay off our loan early. Due to a simple account number error, the bank refused to reattempt an electronic payment and required us to send a cashier's check or wire the funds instead—causing extra hassle and fees.

It's frustrating that Truist would not show flexibility for loyal, long-term customers who simply wanted to pay off their loan early.

If I could give a negative star I would! My daughter-in-law inherited a house from her stepfather after his death. They refuse to return the escrow money of $1,907.00 after I paid the loan off on December 2, 2024. She has sent them all the paperwork multiple times and yet they claim they need more documentation. She has emailed them, faxed them, and still no refund. We are tired of their evasiveness and want them to send her the check. I reported them to the BBB recently. They show no compassion for the survivors related to the original loan account. Why would anyone want to do business with this bank, given its terrible rating? I am very frustrated with this bank. They won't even take her calls anymore; that's why I am writing this. We are owed $1,907.00 and want this resolved as soon as possible. If you are considering doing business with this bank, think carefully, as they seem not to care about their customers, only about their money from loans.

$720 gone in fees. Wow, just wow! Never again. The story is too long to tell and involves nobody telling me about these fees after I sold my home and moved. This 'bank' charged me $30 a month for two years and I wasn't even receiving statements. I can't even put bad words in here because this site CENSORS!!!!

It cost me nearly $50,000 on my loan when I was trying to find out the payoff amount for it. Those people wouldn't even let me find my own information and also just connected me to a lawyer. I've never missed a payment in 17 years.

My mortgage was purchased by Truist from my original mortgage company. It has been nothing but headaches ever since. This is the worst bank I have ever dealt with in my 30+ years as an adult. If you bank with them you will have problems.

TRUIST Bank IS completely ineffective!!! Several Reps are VERY misleading!! They claim to want to "help" people... THAT is one BIG fat JOKE!!! Our Credit score is mid 700's & they still deny us. Seriously... have not run into this many liars in all my life!!!!! GO elsewhere!!!

I would not recommend using them. I have a vehicle loan with them and have been making double payments on my six-year loan to reduce it to a three-year loan, never missing a payment. Recently, I was charged a $30 overdraft fee because my bank account was too low. When I called, I was told they couldn't do anything about it.

Let me just say, if you want to be lied to and stolen from, go ahead and use this bank. I had a mortgage with them, and in February of 2025, I tried to make a payment. As I was nearing the end of my loan, I owed $602.33 in principal. I attempted to make a payment, but the system refused and instructed me to call a number. I called, and the AI stated I had to initiate the payoff. I requested March 7th since I was getting paid, and I thought everything was set. Unfortunately, I was wrong. The bank told me that I owed for both February and March, needing to pay $1,050.65 plus the final agreed payoff of $631.26. There was some fine print: once a payoff is initiated, everything else is supposed to stop. That didn't happen, so I had to initiate the payoff again, and it skipped April, giving me a new date of May 1st. Would you believe that three days later, I was turned over to collections for $1,050.65? When I contested it, the representative confirmed I was correct. Yet, three days after this, when I tried to pay over the phone, they couldn't accept a payoff payment. They had already refused monthly payments, and now this.

Finally, on April 4th, after my car was repaired, I wired the payoff to the loan company, thinking my problems were over. Unfortunately, that was not the case. I received a threat in the mail regarding the monthly payments they had refused to accept. When I called, they assured me everything was fine, but on April 5th, I received a call claiming I now owed $1,604, in addition to having just sent the new payoff of $643.41. This meant I was looking at three months of payments plus late fees and negative marks on my credit score, all of which are illegal for the bank to do. I have to call them on Monday, and I'm willing to bet they won't process my payoff until I deal with the illegal charge of $1,604. Do not do business with liars and thieves. This bank is both. Beware of using them for any loans.

This is for an Auto Loan, which isn't an option listed above. The bank has only one phone number, and the automated system that answers doesn't understand English. It also doesn't recognize the numbers you enter – it keeps saying, "That number is incorrect," or "That SSN is incorrect." No, you are incorrect. I called four times trying to connect with a person because the bill I received today, 3/26, is due on 4/4, and the statement date on the bill was 3/16. I received the bill 10 days after the statement date and they only give me 9 days to pay it. It's extremely frustrating!