Truist Mortgage Servicing
Truist Bank was formed in 2019 through the merger of BB&T and SunTrust — two of the largest regional banks in the Southeastern United States — creating the sixth-largest bank in the country. Truist's …
Portfolio Size
$100+ billion servicing portfolio (growing through merger integration)
Customer Service
888-664-3335
Loss Mitigation
800-544-1248
Website
Truist.comLoss Mitigation Programs
Truist offers the following loss mitigation programs. Availability depends on your loan type (FHA, VA, USDA, GSE conventional) and investor guidelines. Not all programs are available for all loans.
Servicing Practices
- Merger integration of BB&T and SunTrust servicing platforms (ongoing)
- Regional concentration in Southeast and Mid-Atlantic
- Branch-based customer service with mortgage specialists
- Online portal (Truist Digital) integrating BB&T and SunTrust systems
- Escrow administration across merged platforms
- Foreclosure management through regional attorney networks
Foreclosure Timeline
Truist follows standard GSE/FHA timelines (120+ days). In non-judicial states (including much of the Southeast — Truist's core region), foreclosures typically complete in 120-180 days from referral. The BB&T/SunTrust merger integration may introduce additional procedural steps and potential delays as systems and processes are consolidated.
Consumer Complaint Patterns
Truist's CFPB complaint volume is moderate and growing as the merger integration continues. Common categories: payment processing errors related to system integration, escrow account issues during platform migration, loss mitigation application processing delays, and customer service accessibility challenges. Many complaints relate to the transition from legacy BB&T/SunTrust systems to the unified Truist platform.
Regulatory Actions & Enforcement
In 2022, the CFPB took action against Truist for HMDA data reporting violations, fining the bank for inaccurate reporting of mortgage lending data. This HMDA action — regarding data integrity — is relevant to servicing because it indicates potential data management issues that can affect servicing records. The CFPB has also conducted supervisory examinations of Truist's post-merger servicing operations.
Homeowner Tips for Working with Truist
1. If your loan was serviced by BB&T or SunTrust before the Truist merger, verify that all records transferred correctly to the Truist platform — request a complete payment history. 2. The merger integration may mean your servicing data lives across multiple systems — discrepancies between Truist's records and yours should be disputed immediately. 3. Truist's processing may be slower during platform consolidation — submit loss mitigation applications early and follow up regularly. 4. Truist's Southeast regional focus means local court practices in Georgia, North Carolina, Florida, Virginia, and surrounding states are familiar territory — work with a local attorney who knows the courts.
How Professional Law Assist Helps with Truist Foreclosures
We assist Truist borrowers by auditing servicing files for merger-related errors, identifying RESPA/TILA violations, ensuring loss mitigation applications are properly processed through the consolidated platform, and navigating the specific court systems of Truist's core Southeast markets.
Get a Free Case Review →Frequently Asked Questions — Truist
Did Truist inherit all BB&T and SunTrust mortgage servicing?▼
Where does Truist do most of its mortgage business?▼
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