Truist SCRA: No Program Page, One Address That Works

Truist is a top-ten U.S. bank, and it is the rare one that publishes essentially nothing about the SCRA: no program page, no military hub, no published rate, no dedicated phone line (checked July 2026). The single Truist-specific fact in print sits inside the HUD notice it is required to hand mortgage borrowers, and that fact is the one you need: the written-request address, Truist Bank, PO Box 85052, Richmond, VA 23285-5052, Attn: Default Operations.

None of that weakens your rights. The 6% cap is federal law and binds Truist identically: a $25,000 pre-service auto loan at 11% capped to 6% forgives about $1,250 in interest a year, retroactive to your duty start, excess forgiven. Run your accounts through the savings calculator, and if you were overcharged already, start the refund process.

What Truist puts in writing

Protection	Statutory SCRA	Truist
Rate cap on pre-service debt	6% APR	6% (statutory); nothing lower published
SCRA program page	Not required by law	None published
Dedicated SCRA contact	Not required by law	None; requests go to the notice address
Written request address	Any effective written notice	PO Box 85052, Richmond, VA 23285-5052, Attn: Default Operations
Mortgage cap duration	Service + 1 year	Statutory; confirm in writing

When a bank publishes no program, the statute is the program: § 3937 for the cap and the retroactivity, § 3953 for the mortgage foreclosure shield. Your leverage is a clean written record.

Getting the 6% applied

File your SCRA request with Truist

1. List every Truist account opened before your active-duty start date, including legacy BB&T and SunTrust account numbers.
2. Generate a written § 3937 request in the letter generator and attach a copy of your orders or your DMDC certificate.
3. Mail it to Truist Bank, PO Box 85052, Richmond, VA 23285-5052, Attn: Default Operations (the address on Truist’s own SCRA notice, verified July 2026), with certified mail or another proof of delivery.
4. Follow up by phone through 844-4TRUIST (844-487-8478) and ask for the SCRA or military benefits team; note the date, the representative, and what was promised.
5. Watch the next two statements for the 6% rate, the reduced payment, and the retroactive adjustment, and get the applied terms and end date in writing.

Where Truist borrowers lose the cap

No published program means no published shortcuts. At banks with SCRA pages, a phone call often starts the file. At Truist, treat mail as the primary channel and the phone as follow-up. A § 3937 letter with orders and proof of delivery is enforceable; a call summary is not. File within 180 days of leaving active duty at the latest, per the deadlines guide.

“Default Operations” does not mean you are in default. That is simply the unit Truist named on its notice for SCRA intake. Do not wait until you are behind on payments to invoke a benefit you are owed from your first day of active duty.

Non-mortgage accounts ride the same letter. The published address comes from a mortgage-context notice, but the statute covers every pre-service Truist debt. Put cards, auto, and personal loans in the same written request, list each account number, and demand a written response per account. If any account is refused, the escalation playbook and the enforcement guide exist for that.

Silence is the failure mode, so verify. With no program page there is no published response time. If nothing changes within two statement cycles, refile and escalate. Compare how banks with real published programs handle this on the bank leaderboard.

The law behind this: 50 U.S.C. § 3937

Maximum rate of interest on debts incurred before military service: read the statute.