How Long Does It Take to Get Your Title from Truist Bank After Loan Payoff? Your Comprehensive Guide
Have you recently paid off your auto loan or mortgage with Truist Bank and are eagerly awaiting your vehicle title or mortgage lien release? Congratulations on reaching that financial milestone! It's a fantastic feeling to own your asset outright. However, the question that often follows is: "How long will it actually take to get my title or lien release from Truist Bank?"
The answer isn't a simple, one-size-fits-all timeframe, as it depends on several factors, including the type of asset (vehicle vs. real estate) and the method of titling (paper vs. electronic). This lengthy guide will walk you through the process, setting clear expectations and providing actionable steps to ensure you receive your title as smoothly and quickly as possible.
 |
| How Long To Get Title From Truist Bank |
Step 1: Understand Your Title Type and Its Impact on Timeline
First things first, let's identify the crucial factor that dictates your waiting period: your title type. Are you dealing with a vehicle title or a mortgage lien release? And for vehicles, is it a traditional paper title or an electronic one?
Sub-heading: Vehicle Titles – Paper vs. Electronic
For vehicle titles, the delivery time varies significantly based on whether your title is held electronically or as a physical paper document.
-
Paper Titles/Lien Releases: If your vehicle title is a paper title, Truist generally aims to send it to you or an authorized recipient within 10 business days after your payoff is posted to the account. However, remember to factor in mail time, which can add another 15-30 business days for United States Postal Service delivery. This means you should expect to receive your paper title within 25-40 business days from the payoff date.
-
Electronic Titles (ELT): Many states now utilize Electronic Lien and Title (ELT) systems. If your title is electronic, Truist will typically notify the state of the lien release within 10 business days after the payoff is posted. After that, it's up to the state's Department of Motor Vehicles (DMV) or equivalent agency to process the release and issue a paper title to you. This state processing time can vary widely, but generally, you should allow 6-8 weeks for the state to provide you with your paper title.
- Important Note: Some states, like Florida and Arizona, generally keep titles electronic unless the owner specifically requests a paper title. You might need to contact your state's titling agency directly to request a physical title if you reside in such a state.
Sub-heading: Mortgage Lien Releases
For mortgage payoffs, the process involves Truist releasing the lien on your property. While there isn't a universally quoted timeframe as precise as for vehicle titles, lenders are generally required to release the lien immediately upon clearance of payment, and no later than three business days following such clearance. They also typically notify the relevant recording office (county clerk, land records office) that the loan has been paid in full.
Tip: Break long posts into short reading sessions.
- After Truist releases the lien, the timing for receiving official documentation (such as a satisfaction of mortgage) depends on the county's recording processes. This can range from a few days to several weeks. Some counties may send you a recorded copy, while others may simply update their digital records. It's prudent to check with your local county recorder's office for their specific procedures and typical turnaround times.
Step 2: Confirm Your Payoff and Lien Release Status
After making your final payment, don't just sit back and wait. Be proactive!
Sub-heading: Verify Payoff Has Posted
- Online Banking/Mobile App: The easiest way to confirm your payoff is to log into your Truist online banking account or mobile app. Look for your loan details. The balance should reflect zero, and the loan status should indicate "paid in full" or similar.
- Contact Truist Customer Service: If you can't find the information online, call Truist's customer service.
- For auto loans and general loan inquiries, you can typically reach them at 844-4TRUIST (844-487-8478).
- For mortgage inquiries, call 800-634-7928.
- Have your loan number ready to expedite the process.
Sub-heading: Inquire About Lien Release Status
Once the payoff is confirmed, specifically ask about the lien release.
- For Vehicle Titles: Ask Truist about the expected delivery date for your title/lien release. They should be able to tell you if it's a paper or electronic title and provide an estimated timeframe. You might even find this information on their online portal under "Title/Lien Release Status" for auto loans.
- For Mortgage Lien Releases: Inquire about when the lien release will be, or has been, submitted to the county recorder's office.
Step 3: Track Your Mail (for Paper Titles) or Monitor State Records (for Electronic Titles/Mortgages)
This step is about active monitoring once Truist has initiated the release process.
Sub-heading: For Paper Vehicle Titles
- Keep an Eye on Your Mailbox: With the estimated 25-40 business day timeframe, be diligent in checking your mail. The title will usually come in a standard envelope from Truist or a state agency.
- What if it Doesn't Arrive? If the estimated timeframe passes and you haven't received your paper title, don't panic, but do act. Revisit Step 2 and contact Truist again. They can verify the mailing date and address. If necessary, you may need to apply for a duplicate title through your state's DMV.
Sub-heading: For Electronic Vehicle Titles
- Check Your State DMV Website: Most state DMVs have online portals where you can check the status of your vehicle's title. Look for information related to "lien status" or "title inquiry." Once Truist notifies the state, the lien should be removed from your electronic record, and the state will then process sending you a paper title if applicable.
- Contact Your State Titling Agency: If you're past the 6-8 week mark and still haven't received your paper title, contact your state's DMV or titling agency directly. They can provide the most accurate update on their processing times and the status of your title.
Sub-heading: For Mortgage Lien Releases
- Monitor County Recorder's Office Records: Many counties have online public records search tools. You can often search by your property address or your name to see if the "Satisfaction of Mortgage" or "Lien Release" document has been recorded.
- Contact the County Recorder's Office: If you can't find the information online or prefer direct assistance, contact your county recorder's office or equivalent agency. They can confirm the recording of the lien release.
Step 4: What to Do if There Are Delays or Issues
Sometimes, despite everyone's best efforts, things can get delayed.
QuickTip: Scroll back if you lose track.
Sub-heading: If Truist Hasn't Processed the Release
- Follow Up Firmly but Politely: If Truist is outside of their stated processing times (e.g., more than 10 business days for notification), reiterate your request for the lien release. Keep a record of who you spoke with, the date, and what was promised.
- Escalate if Necessary: If you continue to face delays from Truist, consider asking to speak with a supervisor or escalating your issue through their formal complaint process.
Sub-heading: If the State/County is Causing Delays
- Be Persistent with the Agency: State DMVs and county recorder's offices can have varying workloads. Be persistent in following up.
- Understand State Laws: Many states have laws requiring lenders to release liens within a specific timeframe after payoff. Knowing these laws can give you leverage. For example, some states require release within three business days of payment clearance.
Step 5: What to Do Once You Receive Your Title/Lien Release
Congratulations! You've received your official documentation.
 |
Sub-heading: For Vehicle Titles
- Secure Your Paper Title: Store your physical paper title in a safe and secure place (e.g., a fireproof safe, safety deposit box). This is a crucial document for selling or transferring ownership of your vehicle.
- Verify Information: Double-check that all the information on the title is accurate, including your name, vehicle identification number (VIN), and that the lien has been correctly removed.
Sub-heading: For Mortgage Lien Releases
- Confirm Recording: Ensure the document has been officially recorded with your county's land records office. Even if you receive a copy, the official record is what matters.
- Keep a Copy: Keep a copy of the lien release document in your important financial and property records. This proves that you own your home free and clear.
10 Related FAQ Questions
Here are some quick answers to frequently asked questions about getting your title from Truist Bank:
How to find out my Truist vehicle title type (paper or electronic)?
You can usually log into the Truist website or mobile app, go to your loan dashboard, and select "Title/Lien Release Status" to view your title type under "Title Information." If not available online, contact Truist auto loan customer service.
How to request a payoff statement from Truist Bank?
You can typically request a payoff statement by mail, phone, through your online or mobile banking, or by visiting a Truist branch.
Tip: Share this article if you find it helpful.
How to make a final payoff for my Truist loan?
Payments can be accepted by mail, phone, through your online or mobile banking, or in a Truist branch. Ensure you get a payoff quote that includes any per diem interest to avoid underpaying.
How to contact Truist Bank for questions about my auto loan title?
For auto loan questions, you can call Truist at 844-4TRUIST (844-487-8478).
How to contact Truist Bank for questions about my mortgage lien release?
For mortgage inquiries, including lien releases, you can call Truist at 800-634-7928.
How to get a duplicate title if mine is lost after Truist released the lien?
If your paper title is lost after Truist has released the lien, you will need to contact your state's Department of Motor Vehicles (DMV) or equivalent titling agency to apply for a duplicate title. Truist cannot issue a duplicate title once the lien is released.
Tip: Reread complex ideas to fully understand them.
How to check if my mortgage lien has been released by Truist with the county?
You can often check online through your county's public records or land records website by searching your property address or name. Alternatively, contact your county recorder's office directly.
How to expedite the title release process from Truist?
While you cannot significantly expedite the bank's internal processing times, ensuring your final payment clears quickly (e.g., via wire transfer if allowed for final payoff, or certified funds) can prevent delays in the payoff posting date, which is the starting point for the title release clock.
How to get a lien release if Truist Bank merged or changed names?
Truist Bank was formed from the merger of BB&T and SunTrust. If your loan was originally with BB&T or SunTrust, Truist is now responsible for the lien release. The process remains the same as described above.
How to address an incorrect lien release or title information from Truist?
If you receive a title or lien release with incorrect information, immediately contact Truist customer service to report the error and request a correction. Provide all relevant documentation and details of the discrepancy.
 |
