Truist Bank TCPA Class Action Settlement 2026: Status, Payout, and Deadlines
Quick Answer
- The Truist Bank TCPA settlement is real. A federal judge in North Carolina gave it final approval on October 23, 2025.
- Estimated payout is about $440 per class member, sent automatically, no claim form needed.
- The opt-out and objection deadline already passed on September 8, 2025. There is nothing left to file.
Truist Bank agreed to pay $4.1 million to settle claims it placed prerecorded calls to people about accounts that were not theirs. A federal judge signed off on the deal in October 2025.
The case affects roughly 5,998 cell phone numbers that got a robocall from Truist between February 10, 2019, and August 31, 2022. If you got a mailed or emailed notice about this case, you are likely one of them.
This article breaks down the money, the timeline, and what happens next. One detail that surprises most readers: no claim form was ever required to get paid.
The Facts
| Category | Detail |
|---|---|
| Case | Truong v. Truist Bank, No. 3:23-cv-00079-MOC-DCK |
| Court | U.S. District Court, Western District of North Carolina |
| Status | Final approval granted October 23, 2025 |
| Fund Size | $4,100,000 |
| Est. Per Person | About $440 (estimate only, before deductions) |
| Claim Deadline | None. Payment is automatic for class members who did not opt out |
| Administrator | Verita Global LLC, Truist Bank TCPA Settlement Administrator |
| Proof Needed | None. Eligibility is based on Truist’s own call records |
Is the Truist Bank TCPA Settlement Real or a Scam?
Yes, this settlement is real. It comes from an actual federal lawsuit, not a text scam or phishing attempt.
The case is Truong v. Truist Bank, filed in February 2023 in the Western District of North Carolina. A judge granted final approval on October 23, 2025, according to Law360’s court reporting.
You do not need to pay anyone or click a link to get this money. If you got a notice, it came because Truist’s own records show your number received a qualifying call.
Key facts that confirm this is legitimate:
- Filed in a real federal court with a public docket
- Settlement website hosted at TBTCPASettlement.com, referenced in court filings
- Administrator is Verita Global LLC, a firm that runs settlements for many large class actions
If someone contacts you asking for a fee to “release” your payment, that is not part of this case.
Who Qualifies for the Truist Bank TCPA Settlement?
You may qualify if you were the subscriber or regular user of one of 5,998 identified cell phone numbers. Truist placed a prerecorded call to that number about an account that was not yours.
The calls had to happen between February 10, 2019, and August 31, 2022. That is the full class period covered by the settlement.
This was a wrong-number problem. Truist’s records apparently linked cell numbers to accounts that belonged to someone else. The people who picked up were not Truist customers with those particular accounts.
Class Member Snapshot:
| Requirement | Detail |
|---|---|
| Call type | Prerecorded (robocall), not a live agent |
| Call subject | An account unrelated to the person called |
| Number type | Cellular telephone service |
| Date window | Feb. 10, 2019 to Aug. 31, 2022 |
| Total qualifying numbers | 5,998 |
If your number is not on that list, you are not part of this class. There was no public sign-up option because the class was built from Truist’s own call logs, not from a form people filled out.
How Much Money Can You Get From the Truist Bank Settlement?
Each eligible class member can expect roughly $440, based on an equal pro-rata split of the net fund. That figure is an estimate, not a guarantee.
The $4.1 million fund does not go out untouched. Legal fees, administrative costs, and a service award to the lead plaintiff come out first.
Key Takeaway: The $440 estimate already accounted for a $1.3 million attorney fee award approved alongside final judgment, so most class members should not expect a dramatically higher check.
Approved Deductions from the Fund:
| Deduction | Amount |
|---|---|
| Attorneys’ fees and expenses | Approximately $1.3 million (court-approved) |
| Service award to named plaintiff | Set by the court, amount not separately confirmed here |
| Settlement administration costs | Paid from the fund, exact figure not yet confirmed |
| Remaining net fund | Divided equally among the 5,998-number class |
Because the class size is fixed at 5,998 numbers, individual payments will not drop just because more people file, since no filing was required. The final number could shift slightly if some notices bounced back undeliverable.
Do You Need to File a Claim Form?
No. This settlement did not require a claim form at all.
If you received a mailed or emailed notice, that alone means you were identified as a class member. Payment went out automatically to the address on file, unless you asked to be excluded.
This is unusual. Most class actions make you submit paperwork and proof. Think of it like a store issuing an automatic refund to your card instead of making you dig up a receipt.
Steps that were required (already closed):
- Do nothing, if you wanted to stay in and get paid.
- Mail a written exclusion request by September 8, 2025, if you wanted out.
- File a written objection by the same date, if you wanted to protest the terms.
- Show up at the October 16, 2025 hearing, if you wanted to speak in court.
- Update your mailing address with the administrator if you moved.
Every one of those windows has closed. There is no new action left for a fresh claimant to take.
How to Check if You’re Part of the Truist Bank TCPA Settlement Class
Start by checking your mail and email from mid-2025 for a notice mentioning “Truong v. Truist Bank” or “TBTCPASettlement.com.”
If you never got a notice, you were likely not one of the 5,998 identified numbers. There is no public portal to look yourself up outside of that mailed notice.
Steps to confirm your status:
- Search your email inbox and spam folder for “Truist” and “TCPA.”
- Look through paper mail received around June through August 2025.
- Check whether the notice references case number 3:23-cv-00079.
- Call the administrator at 888-333-9046 if you believe you qualified but lost the notice.
- Ask whether your number is still listed as an active class member.
If the administrator confirms you were on the list, a payment should already be in process or completed by now.
What to Do if You Moved or Changed Your Address
If you moved after receiving your notice, you needed to email the administrator at the address listed in the official notice to update your mailing information.
A paper check mailed to an old address can get lost or returned. Settlement administrators typically hold undeliverable checks for a period before the funds go to a court-approved alternate recipient.
Key Takeaway: An outdated mailing address is the single most common reason a legitimate class member never sees their check.
If you think this happened to you, contact Verita Global LLC directly and ask about the status of your payment and whether it was returned as undeliverable.
Can You Still Opt Out or Object Now?
No. The window to exclude yourself or object closed on September 8, 2025. That deadline has passed and cannot be reopened for this settlement.
If you did not send a written exclusion request by that date, you are automatically part of the settlement class. That means you gave up the right to sue Truist separately over these same calls.
This is similar to missing the window to dispute a credit card charge. Once the deadline passes, the standard process locks in, and there is no separate appeal path for an individual class member who simply missed the date.
Truist Bank TCPA Settlement Status Update: 2026
As of this writing, the settlement stands finally approved and moving through payment, not yet publicly confirmed by the administrator as fully closed out.
The judge granted final approval on October 23, 2025, along with a $1.3 million attorneys’ fee award, according to Law360’s coverage of the ruling. No public report of an appeal has surfaced in later coverage.
Confirmed milestones:
- Case filed: February 2023
- Preliminary approval: granted before mid-2025
- Notice period: mid-2025
- Exclusion and objection deadline: September 8, 2025
- Final approval hearing: October 16, 2025
- Final approval order entered: October 23, 2025
The exact date checks were mailed to class members is not yet confirmed in public reporting. Check the official settlement website for the most current payment status.
When Will Settlement Checks Be Mailed?
Checks were only authorized to go out after the court’s final approval and after any appeal period passed. That final approval happened on October 23, 2025.
Federal appeal windows typically run about 30 days from entry of judgment. If no appeal was filed, distribution can begin once that window closes, generally within weeks to a few months after approval, depending on the administrator’s internal process.
This article cannot confirm an exact mailing date because the administrator has not published one that turned up in current reporting. If you believe you qualify and have not received a check, call the administrator’s number directly and ask.
Was the Settlement Approved by the Judge?
Yes. The U.S. District Court for the Western District of North Carolina granted final approval on October 23, 2025.
The same order approved a $1.3 million award for class counsel’s fees and expenses. Approval means the court found the deal fair, adequate, and reasonable for the class as a whole.
Final approval is the last major legal hurdle a class settlement has to clear. Once it happens and any appeal period lapses, the deal becomes enforceable and payment can proceed.
Reality Check
No legitimate settlement administrator will ever ask you to pay a fee, gift card, or “processing charge” to release your check. Filing was completely free and required no action from most class members. If someone calls claiming they can “speed up” or “unlock” your Truist settlement payment for a fee, that is not part of this case and you should not send money or personal banking details.
What Did Truist Bank Allegedly Do Wrong?
The lawsuit claimed Truist placed prerecorded phone calls to cell numbers without prior consent, in violation of the Telephone Consumer Protection Act (TCPA).
The twist in this case is that the calls concerned accounts that did not belong to the person receiving the call. In other words, Truist appears to have called the wrong numbers about someone else’s account.
Federal law under the TCPA can allow $500 per violation, and up to $1,500 for willful violations, when a company places automated calls without consent. That statutory backdrop is part of why plaintiffs’ lawyers pursued the case aggressively.
Truist has denied wrongdoing throughout. The company settled to avoid the cost, delay, and uncertainty of continued litigation, not as an admission of liability.
Who Is Kevin Truong and Why Did He Sue Truist?
Kevin Truong, a Texas resident, filed the original complaint in February 2023. He said he received at least 24 prerecorded robocalls from Truist.
Truong claimed the calls were meant for a different person, an actual Truist account holder he did not know. He said he never banked with Truist and never gave consent to be contacted.
His case became the vehicle for identifying and notifying the other 5,998 phone numbers that got similar wrong-number robocalls during the same multi-year window.
How Does This Settlement Compare to Other Truist Legal Cases in 2026?
This TCPA settlement is one of several legal matters Truist has resolved recently. The bank separately agreed to pay $9.1 million to settle Department of Justice allegations tied to trust account management, and a much larger $240 million settlement covers SunTrust-era overdraft fee claims, with an April 2026 exclusion deadline and a May 2026 final approval hearing reported for that separate case.
Compared to those larger matters, the $4.1 million TCPA settlement is smaller in dollar terms but affects a narrower, specifically identified group of 5,998 phone numbers rather than millions of account holders.
Key Takeaway: If you also had a SunTrust or Truist checking or savings account with overdraft fees, that is a separate, larger settlement with its own deadlines, and being part of one case does not automatically enroll you in the other.
What Happens if You Cash the Settlement Check?
Cashing the check confirms you are accepting your share of the settlement and releasing your individual TCPA claims tied to those specific calls.
This is standard for class action payments. You are not required to sign anything separately since staying in the class (by not opting out earlier) already carried that legal effect.
If you already excluded yourself before the September 2025 deadline, you would not have received a check tied to this settlement, since exclusion removes you from payment eligibility entirely.
What Happens Next
October 23, 2025: Final approval and the $1.3 million fee award were entered by the court.
Late 2025: Any appeal window following final judgment was expected to run and close, based on standard federal timelines.
Expected 2026: Checks distributed to class members whose addresses were confirmed and accurate, pending administrator confirmation.
Ongoing: Administrator holds or reissues any returned or uncashed checks for a limited period, per standard settlement practice.
TBD: Public confirmation that the fund has been fully distributed and the case fully closed.
Frequently Asked Questions
Is the Truist Bank TCPA settlement still open for new claims?
No, there was never a separate claim form to submit.
Eligibility was based entirely on Truist’s own call records identifying the 5,998 qualifying phone numbers.
How much is the average Truist TCPA settlement payout?
The estimate cited by class counsel and the settlement website is about $440 per person.
That figure can shift slightly based on final administrative costs and how many checks go uncashed.
What is the case number for the Truist TCPA lawsuit?
The case is Truong v. Truist Bank, No. 3:23-cv-00079-MOC-DCK.
It was filed in the U.S. District Court for the Western District of North Carolina.
Do I need a lawyer to get my Truist settlement payment?
No individual action or lawyer is needed for standard class members.
The payment process is automatic for anyone identified from Truist’s call records who did not opt out.
Can I still object to the Truist Bank settlement terms?
No, the objection and exclusion deadline of September 8, 2025 has passed.
There is no active mechanism left for a new objection on this closed settlement.
What if I never received a settlement check?
Contact the settlement administrator, Verita Global LLC, directly using the number on the official notice.
Confirm your mailing address is current and ask about the status of your specific payment.
Is this settlement connected to the SunTrust overdraft fee case?
No, they are separate lawsuits with separate funds and separate deadlines.
The SunTrust overdraft case involves a much larger $240 million fund with its own 2026 timeline.
Was Truist found guilty of violating the TCPA?
No, Truist denied all wrongdoing and no court ruled on the merits of the claims.
The settlement resolved the case without any finding of liability against the bank.
Checking the official settlement website remains the most reliable way to confirm your individual payment status. Keep any notice you received, since it documents your place in the 5,998-number class.
The single most important date in this case has already passed: final approval was entered on October 23, 2025.
