Checking or savings account -- Managing an account -- Complaint #18818225
Complaint Overview
Complaint ID: 18818225
Company: Truist Financial Corporation
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Funds not handled or disbursed as instructed
State: North Carolina
ZIP Code: 28655
Date Received: 2026-01-18T12:00:00-05:00
Date Sent to Company: 2026-01-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint regarding a debit card refund that has not been received following the cancellation of a cruise. The original debit payment was made over a year ago. After the cruise was cancelled, XXXX XXXX attempted to issue a refund on XX/XX/XXXX to a bank account that had since been closed, causing the refund to be rejected and returned to the merchant. XXXX XXXX subsequently received my updated bank account information. I was later advised that the refund was reprocessed on XX/XX/year>. However, my bank has confirmed that no debit or ACH refund has been received or attempted since that date. Despite repeated calls, XXXX XXXX continue to state that the refund has processed yet they are unable to provide a transaction ID, trace number, or proof of transmission. The company has also refused to issue the refund by check, leaving the funds unresolved for several months. This is a failed debit refund that was never properly re-issued, and I have exhausted reasonable attempts to resolve this directly with the merchant.
Frequently Asked Questions
What is Complaint #18818225 about?
Complaint #18818225 was filed against Truist Financial Corporation regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2026-01-18T12:00:00-05:00.
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.