TRUIST FINANCIAL CORPORATION
BANK
LOWER RATE THAN 67% OF SCORED PEERS
Data last verified: May 2026 snapshot|19 federal data sources|Methodology ›
Complaint rate · per 1,000 customersscale 0–10
05100.42PER 1,000 CUSTOMERS
Sector median 0.49 · Lowest in dataset 0.09
A lower federal complaint rate per customer than 67.3% of scored peers — though sub-signal observations remain on record.
Methodological confidence: HIGH · n=17,335 complaints over 14 years
Customer ratio
1 in 2,300
customers filed a federal complaint
Resolved with relief
13%
received monetary or non-monetary relief
Daily volume
7.5
complaints per day · 2011–2025 average
5.0× the rate of FIRST CITIZENS BANCSHARES, INC. (lowest); 0.9× the sector median; lower rate than 67.31% of scored institutions.
24-month trajectory · monthly complaint rate
SECTOR MEDIAN24MO AGOTODAY0.0100.00
Where complaints concentrate · top 3 product categories
Checking & savings
0.22/1k
9,135
Mortgages
0.06/1k
2,648
Money transfers
0.03/1k
1,395
TOTAL COMPLAINTS
17,335
2011–2025
YEAR-ON-YEAR
↑ 29%
above baseline
RESOLUTION RATE
13%
below CFPB median
SHADOW RATE
~8/1k
directional
FEDERAL CONSENSUS
—
—
5 nearest rates in scored dataset
HUNTINGTON NATIONAL BANK, THE
0.40/1k
FIRSTBANK PUERTO RICO
0.41/1k
▸ TRUIST FINANCIAL CORPORATION
0.42/1k
EVERBANK, NATIONAL ASSOCIATION
0.45/1k
KEYCORP
0.48/1k
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Federal data sources
CFPBOCCFDICFTCFederal ReserveFinCENHUDDOJNCUATreasuryFFIECFHFA
Independent analysis · not affiliated with any government agency
WHAT THIS MEANS FOR YOU

TRUIST FINANCIAL CORPORATION is a low-risk institution based on federal complaint data.

At 0.42 complaints per 1,000 customers, this institution is below our low-risk threshold of 0.50 — placing it among the better performers in our dataset of 2,333 tracked US financial institutions. Complaint rates are normalised for institution size, so this score is directly comparable across banks large and small. The High confidence rating means this score is based on substantial complaint volume and is statistically reliable.

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Always review your specific product category and the complaint breakdown below, as overall rates can mask issues in specific areas like credit cards or mortgages.

Federal enforcement record

No active federal enforcement actions are on file across the OCC, Federal Reserve, CFPB, FinCEN, FDIC, and FTC.

FULL RECORD
Complaint Profile
Rate / 1,000 customers0.42/1k
Total complaints (2011–2025)17,335
Year-on-year change+29%worsening
Timely response rate98.8%
Complaint rate normalised per 1,000 estimated customers. National median ≈ 0.30/1k.
Financial Health Indicators
Net charge-off rate0.54%✓ healthy
Tier 1 capital ratio11.8%✓ adequate buffer
Loan loss reserve ratio1.52%
FDIC Call Report data · Q4 2025. NCO rate = loans written off as unrecoverable. Tier 1 = core capital buffer against losses (regulatory minimum ≈ 10%).
TARP government bailout$3.75B
DFAST stress test (Fed)7.9% CET1 stressed
HMDA Mortgage Fair Lending · 2023
Mortgage denial rate17.4%
Denial rate by raceNot reportedInsufficient verified sample
Based on 17,882 mortgage applications · FFIEC HMDA 2023
Regulatory Enforcement Record
No active or recent enforcement actions on file across the 6 tracked agencies. Each row links to that regulator’s source explainer.
Top Complaint Issues
Managing an account23%
Incorrect information on your report10%
Improper use of your report9%
Breakdown of complaint issues filed with the CFPB by customers of this institution.
Methodological notes
Received TARP government bailout: $3.8B
Subject to annual DFAST stress testing by the Federal Reserve (applies to largest US banks)
Institution Status
Data from CFPB, OCC, Federal Reserve, FDIC, FinCEN, DOJ, FHFA, HUD, US Treasury, FFIEC and FTC public records. Complaint rates normalised per 1,000 estimated customers. Not financial advice. Methodology › · Privacy ›