Truist: fee reversal

Collect

• statement showing the fee
• account history

Steps

1. Check whether the account is Truist One Checking, which has no overdraft-related fees.

2. Call and ask for a reversal.

   PhoneCustomer service, credit and debit cards (844-4TRUIST) +1-844-487-8478 Account holder only

3. If refused, use the feedback form, then complain to the CFPB.

   FormGive feedback (Truist's online feedback form)

Facts you can cite

• Policy

  Truist One Checking does not charge overdraft fees, returned item fees, negative account balance fees or overdraft protection transfer fees.

  Source: truist.com, verified 2026-10-12

• Limit

  Truist One's Balance Buffer lets qualifying clients overdraw up to $100; it needs a direct deposit of at least $100 within the last 35 calendar days.

  Source: truist.com, verified 2026-10-12

• Deadline

  You may opt out of the Truist credit card Mutual Arbitration Agreement only by a signed written notice sent by certified or overnight mail that Truist receives within thirty (30) days of opening the account.

  Source: files.consumerfinance.gov, verified 2026-10-12

• Process

  Before arbitration, the Truist card agreement requires a written Notice of Pre-Arbitration Dispute and an informal dispute resolution conference; arbitration is administered by JAMS.

  Source: files.consumerfinance.gov, verified 2026-10-12

Rules not in force (do not cite)

• CFPB Credit Card Penalty Fees Rule ($8 late fee safe harbor, 2024) Vacated
  89 FR 19128 (March 15, 2024) (Regulation Z, 12 CFR 1026.52(b))

  Stayed by the N.D. Texas court in May 2024 (Chamber of Commerce v. CFPB, No. 4:24-cv-00213) and vacated by that court on April 15, 2025 at the CFPB's request after a settlement. The CFPB rule page (last modified June 3, 2024) still says only "stayed"; the vacatur date comes from an April 15, 2025 American Bankers Association report, a plaintiff in the case. The current Regulation Z text has no $8 safe harbor.

  Not in force. Do not cite it as current law.

• CFPB Overdraft Lending Rule for Very Large Financial Institutions (2024) Repealed
  89 FR 106768 (December 30, 2024); disapproved by Pub. L. 119-10 (S.J. Res. 18)

  Not a court vacatur: Congress disapproved the rule under the Congressional Review Act (Pub. L. 119-10, May 9, 2025), so it never took effect and "shall have no force or effect". The CFPB rule page (last modified July 2, 2025) still lists it as a final rule with no status note. What remains in force: the Regulation E overdraft opt-in rule (12 CFR 1005.17) and the account agreement.

  Not in force. Do not cite it as current law.

If that fails, escalate

Go up one step at a time. Keep the reference numbers and dates from each contact.

1. Customer service

   PhoneCustomer service, credit and debit cards (844-4TRUIST) +1-844-487-8478 Account holder only

2. Written complaint

   MailCredit card billing errors (Your Billing Rights address) Truist Bank Card Services, P.O. Box 200, Wilson, NC 27893

   For card billing errors write within 60 days. Truist publishes no complaint mailing address; the feedback form is the closest written channel.

3. Federal regulator

   RegulatorConsumer Financial Protection Bureau +1-855-411-2372

4. State agency

   Your state’s financial regulator. Find it in the list of state agencies (also as JSON: states/<code>.json, for example states/ny.json).

5. Arbitration

   MailNotice of Pre-Arbitration Dispute, or arbitration opt-out (credit cards) Truist Bank Legal Department, Mail Code 306-40-01-15, 1001 Semmes Avenue, Richmond, VA 23224

   Card agreement requires a written Notice of Pre-Arbitration Dispute and an informal conference before JAMS arbitration; small claims court is excluded.

Watch out

Related

• Fee reversal at other companies
• Banks and card issuers — how complaints work
• Truist: fraud or scam
• Truist: unauthorized charge
• Truist: billing error