Consumer complaint received 2026-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am submitting a complaint regarding my mortgage servicers handling of my XXXX XXXX loan and an imminent foreclosure sale. 

The servicer has scheduled a foreclosure sale for XXXX, but I never received the required foreclosure notice before the sale was scheduled. The loan is owned by XXXX XXXX. A complete lossmitigation application was submitted before the foreclosure sale date, but the servicer has not paused the foreclosure as required under Regulation X ( 12 CFR 1024.41 ) Because of this, I am at risk of losing my home without proper notice and without the legally required review of my lossmitigation application. Instead of processing my application and placing a foreclosure hold, the servicer instructed me to call the attorney, which is not an appropriate response to a complete lossmitigation application submitted prior to the scheduled sale date. 

I experienced a serious illness and took medication that caused loss of memory, which led to missed payments and the loan going into foreclosure. Once I understood what was happening, I contacted the servicer and pursued loss mitigation. My preferred option is a loan modification so I can keep my home and resume affordable payments. 

What I believe the servicer did wrong Failed to provide required foreclosure notice before scheduling a foreclosure sale. 

Failed to properly evaluate my complete lossmitigation application under Regulation X ( 12 CFR 1024.41 ), including pausing the foreclosure while the application is under review.

Directed me to call the attorney instead of processing my application and placing a foreclosure hold. 

Placed me at risk of losing my home without proper notice or required review of loss mitigation options. 

What I want the CFPB to do I respectfully request that the CFPB : Require the servicer to immediately pause or cancel the foreclosure sale. 

Require the servicer to review my complete lossmitigation application in compliance with Regulation X ( 12 CFR 1024.41 ). 

Require the servicer to reissue proper foreclosure notice and provide me adequate time to respond. 

Require the servicer to provide a written decision on my lossmitigation application ( including loan modification ) before resuming any foreclosure activity. 

Ensure the servicer corrects any violations of federal mortgageservicing rules and updates my account accordingly. 

Because the foreclosure sale date is imminent, I ask that this complaint be investigated urgently. 

Additional information Loan owner : XXXX XXXX ( to the best of my knowledge ). 

I am willing and able to work with the servicer on a sustainable loan modification or other lossmitigation option. 

I have documentation of my medical issues, the lossmitigation application, and communications with the servicer that I can provide upon request. 

XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Truist bank Servicer Account XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation