Consumer complaint received 2026-02-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Lennar Financial Services, LLC
State: FL

Complaint narrative:
DECEPTIVE OMISSION OF LATENT GEOLOGIC HAZARD, UNFAIR TRADE PRACTICES & CONCEALMENT OF PUBLICLY DOCUMENTED SINKHOLE ( FDEP REF # XXXX / SWFWMD COMPLIANCE # XXXX ) Sinkhole was reported XXXX and is in XXXX state public records, to include XXXX permitting database. XXXX XXXX XXXX marketed and sold residential properties in the Veteran-designated XXXX XXXX subdivision despite multiple layers of public records documenting a geologic hazard. These include a XXXX XXXX verified sinkhole and a XXXX XXXX lack of investigation on illegal dumping complaint into that same sinkhole. Lennar failed to disclose these hazards, failed to provide proof of sinkhole remediation, and recently used high-pressure NDA settlement XXXX possibly, in attempt to waive future structural liability for my foundation concern. XXXX. CHRONOLOGY OF PUBLIC KNOWLEDGE XXXX : FDEP records document a " Verified Sinkhole Unknown '' ( Ref # XXXX ) located within the development site. This Is Sinkhole a True Event - field designated IF visited by professional geologist - " Unknown '' was never formally remediated or cleared by a licensed Professional Engineer ( P.E. ), yet the land was developed as " buildable. '' XX/XX/XXXX : XXXX received a complaint about illegal dumping into sinkhole XX/XX/XXXX : The XXXX Florida Water Management District ( XXXX ) issued a notice regarding Compliance No. XXXX as acknowledgement of receipt of that complaint and relaying it to the landowner on illegal dumping into sinkhole complaint. XX/XX/XXXX : XXXX did not complete inspection of the site. Internal documents, available upon request, specify that inspector could not access the site and instead took landowner 's word of no issues. Landowner lives in GA? And her Company is not in XXXX? Please verify if this is what the notes include. Yet, XXXX allowed permit to remain. Documented Allegations : This XXXX notice explicitly states the District received a complaint alleging " illegal dumping occurring on site, possibly into an existing old sinkhole '' at the XXXX XXXX XXXX ( XXXX No. XXXX ), same land XXXX XXXX XXXX is on today. Present Day - Current Status & Material Omissions : Despite documented public warnings of subsidence and illegal dumping, Lennar Homes LLC and its affiliates brought these residential properties to market as 'buildable " sites without disclosing the pre-existing geologic hazards to purchasers. While Lennar may claim they were not the original land developer, they acted as the declarant and ultimate merchant of these homes, thereby adopting the site 's history and assuming a duty of care. By patronizing and profiting from a subdivision built atop a verified, not officially remediated sinkhole ( FDEP # 16-794 ), Lennar has effectively ratified the prior failures in site preparation. Their failure to provide homeowners with disclosurewhile simultaneously utilizing restrictive NDA tactic to waive structural liabilityindicates a deceptive trade practice designed to shift the catastrophic risk of a known latent hazard onto the homebuyer. And I trusted the system, so naive, expecting laws and regulations to apply equal to all. I trusted the process until one day I started noticing soil collapse patterns at one side of the retention pond. HOA/We just paid XXXX XXXX to fix this incident of erosion. Something tells me this will be a financial sinkhole for us as it keeps subsiding. XXXX. SPECIFIC ALLEGATIONS Violation of FDUTPA - Lennar and affiliates omitted the 1981 and 2013 public records of subsidence and illegal dumping during the sales process. Regulatory Misrepresentation - Permits were obtained ( XXXX # XXXX, XXXX, XXXX, and XXXX ) using applicant-supplied data that did not address the known sinkhole or the XXXX illegal dumping investigation. Failure of Fiduciary Duty - created a HOA subdivision despite lack of amenities. HOA management, like many, prioritizes aesthetics over water conservation ( F.S. 373.185 ), risking runoff into the un-remediated sinkhole and contaminating the XXXX XXXX. XXXX. ATTEMPTED LIABILITY WAIVERS When confronted with foundation crack and lateral movement, Lennar has provided an NDA settlement for tile rather than a thorough inspection. This NDA agreement requires homeowners to release Lennar from all future warranties, statutory claims, and code violations, while specifically excluding the very foundation concerns being raised. Additionally, baby live oaks were planted in close proximity to homes on TINY LOTS in close proximity to homes and utilities. Possibly, someone receive environmental credits for these canopy trees. Lennars installation of baby XXXX XXXX ( huge at maturity ) on tiny lots in immediate proximity to homes and utilities built near an undisclosed sinkhole probably skipping risk mitigation steps- creates a dual-threat hazard. As these root systems mature, they are biologically certain to destabilize foundations and penetrate subterranean utility lines. By explicitly designating 'root system maintenance ' as a homeowner responsibility, Lennars home warranty no longer applies. While Florida law ( F.S. 163.045 ) provides specific protections for the removal of residential trees that pose a risk to persons or property, yet XXXX, PRIOR TO TURN OVER, gave me difficult time. Why would Lennars HOA not want me to remove a tree which is too close to sewer lines? Years of stressful situation that I had to deal with. Situations that now seem very engineered to serve a specific purpose, and not in favor of homeoners. Additionally, there is no justification for a developer to install HOA when there are no amenities ; the only concern the XXXX has is " green, pretty lawns in close proximity to this same reported 2x SINKHOLE. This prioritizes aesthetic maintenance over statutory water conservation ( F.S. 373.185 ), local ordinances, and the safety of the XXXX XXXX. Why? So when sinkhole opens up, Lennar blames XXXX for excessive irrigation? XXXX, water bills/usage are public record. And despite references in FL Friendly Landscaping Legislature, HOAs do not identify or enforce LOCAL IRRIGATION ORDINANCES, as we learned in our subdivision, where now PD patrols for irrigation violations. 4. REQUESTED ACTION I request that the Office of the Attorney General investigate Lennar Homes LLC for systematic non-disclosure of known geologic hazards and mandate a full, independent geotechnical subsurface investigation ( Standard Penetration Testing ) for this community. Permit # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from The Florida Department of Environmental Protection doesn't allow to see sinkholes once zoomed in. Use reference # XXXX in the search bar. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Sinkhole map was provided later by FL DEP when addressing the glitch in the publicly available sinkhole map. XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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