Truist Mortgage Reviews

Horrible and they lied to me about the payoff amount arriving on time. They stole 340 dollars from me! I never missed a payment. I was always on time and they do not reward you for being a good customer.!

Worst Experience. As mortgage, their name appeared on my Home Insurance Claim check, and they wanted to take the opportunity to grab the money. But will not take care of the repair work, thus caused additional cost, delay, dispute with roofer.

Terrible mortgage company. They bought my mortgage and failed to inform me on time to make first payment. Even after paying they reported me to the credit bureau. I pleaded with them to remove this item and were totally inflexible. They don't care about their customers.

I was inherited a home by my aunt and while I was getting her will probated (and they knew it was getting probated through the courts) they sent it to collections without telling me! After the 8 month process and I finally received rights over the home the house was in foreclosure! I didn’t even know until 3 months into the foreclosure so they were preying on my downfall. Luckily, I had an investor buy the home in time. Thank the Lord!

October 26, 2023, Truist bank took $221.57 and $209.87 from my escrow account for delinquent tax bills. I closed on 01/18/2022 and had a lawyer check the information and nothing was found past due. I called Fulton county to verify the delinquent bills, they stated they never sent those amounts. The first dispute Truist denied. The second was accepted and the money was returned on may 30, 2024. November 12, 2024 the same two amounts were deducted as county taxes. When I called, they informed me that they gave me money on may 30, 2024 accidentally and was getting it back. I informed them that it was taken from my escrow on 11/26/2023. In the process of this happening, my payments have went up to $1300. I explained that they wouldn’t let me get a mortgage for that amount, I didn’t understand how it was the case now. I’m being penalized for mistakes they are making and having to take the loss until they clear things up.

BEWARE if you bank with TRUIST!!!! An individual with a fake ID went into a Florida branch last week and withdrew all funds from one of my checking accounts by requesting it from a teller. The person’s signature on the teller check did not match mine and the account had already been flagged for fraudulent activity. The local branch managers are no help. Local sheriff-police department are useless. I have had to deal with the Truist fraud department, which is located in the Philippines. At one point, a Truist manager asked why did I want my funds back.

Our mortgage was sold to Truist, and absolutely no notice was given regarding setting up a payment. We didn't realize the sale had happened until our insurance wasn't paid. Once I discovered it, I set up an online portal and took care of that -- it didn't show anywhere that the autopayments hadn't transferred over or that we had a balance. No calls, no emails (even once registered), no mail saying we were past due. Finally, we found out through trying to get another mortgage that we had a NINETY day late payment and our credit score was hit by 200 points. Submitted a dispute and Truist has been absolutely unwilling to help or change the reporting to the credit in any way. We've been waiting over 6 weeks for a manager call back.

They paid my taxes with an empty escrow account (because we don’t escrow taxes or mortgage insurance) causing me to have to pay an extra fee due to their incompetence. Messed up our natural disaster forbearance plan adding an extra $3000 to the repayment, luckily I caught it before signing. Then reported missed payment to my credit even though we were on the agreed upon disaster plan (home damaged badly in hurricane) and we upheld all commitments on our end.

Dealing with Truist is a nightmare. In the past year, I have undoubtedly spent greater than 50 collective hours on the phone accomplishing little in one case, and nothing in another. I have 2 houses, one of which has a mortgage by Truist, the other was once a collateral for a loan on the first (released from collateral 10 years ago). When I was selling the second house there was still a record lien due to it being used as collateral. I found this out at closing! Truist could admit that there was no money owed and that it was released in 2016, but could not give me such documentation, as apparently none existed. Yet, I needed something to take to the courthouse.

Don’t go with Truist bank for any kind of loan. They are terrible, they just waste your time, don’t even give to any update. Whenever I call them for any update they have one answer(we don’t know yet) and most the time they don’t even answer the phone. Communication inside their staff is also terrible. I was so frustrated not getting any kind of response from them. If you value your time and don’t want to get frustrated avoid Truist bank.