Checking or savings account -- Managing an account -- Complaint #14535718
Complaint Overview
Complaint ID: 14535718
Company: Truist Financial Corporation
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem using a debit or ATM card
State: Maryland
ZIP Code: 20705
Date Received: 2025-07-08T12:00:00-05:00
Date Sent to Company: 2025-07-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I went to a Truist branch to request a temporary debit card. I had ordered a physical debit card in XXXX, but it took unusually long to arrive, so I visited the branch in person to get a temporary card ( which Truist normally provides when a card is in the mail ). When I got there, the teller told me she was unable to issue me any card and instead gave me a phone number to call. I went home and checked my mailbox the physical debit card had just arrived that day. However, when I tried to activate it, the system told me the card was invalid. On XX/XX/year>, I called the number the teller gave me and was connected to XXXX, a manager in Truists escalation department. XXXX informed me that a note was placed on my account on XX/XX/year>, stating I am no longer eligible to receive any debit card. She refused to tell me who placed the note or why, saying the reason was internal and not available for her to share. When I asked how I was supposed to use my account without a debit card, she told me I could use XXXX and checks. I explained that XXXX can not be used for store purchases, which makes that suggestion unrealistic. I then asked for written documentation or a secure message explaining the restriction and confirming that Im not allowed to have a debit card. She said Truist does not send those types of letters. This means I have an open account with funds I can not easily access or use. I was never notified in advance of this restriction, I was not given a chance to appeal, and I still have no documentation of why this has happened. I feel this is unfair and financially limiting, and I would like a full explanation and resolution.
Frequently Asked Questions
What is Complaint #14535718 about?
Complaint #14535718 was filed against Truist Financial Corporation regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2025-07-08T12:00:00-05:00.
How did Truist Financial Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against Truist Financial Corporation?
Yes, visit the Truist Financial Corporation company profile at readthecomplaint.com/company/truist-financial-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.