Consumer complaint received 2026-07-05 00:00:00
Product: Mortgage — FHA 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: NE

Complaint narrative:
Multiple applications for FHA loan modifications were submitted from XXXX XXXX XXXX and have been all been denied for false reasons, like Trusit stated I didnt have a vested title, then their foreclosure attorney said i did have a vested title, the XXXX XXXX deeds website shows I have 100 % ownership, then Truist said XXXX wasnt listed as SII until XXXX when their own legal department listed me as XXXX in XXXX and their insurance department had issued checks to me in XXXX for water damage repairs as XXXX. Instead of approving me for FHA modifications they kept denying me loss mitigation under FHA XXXX relief and Covid forebarence which was allowed for XXXX. I was only approved for a TPP in XXXX of XXXX which was only {$300.00} off the original monthly payment and when I asked again for the payment to be modified to a monthly payment that would be affordable under FHA XXXX relief they put the home in foreclosure. I asked again for modification and said they reasons I had been denied for prior applications for modification were untrue reasons because I did have a vested title and am XXXX, Trusit then told me had I made the XXXX work for three months they then could have lowered the monthly payments only after he XXXX had been met for three months - this information came months after the XXXX was offered and weeks before the foreclosure was held. I have submitted a congressional inquiry on this matter and will continue to advocate for a fair solution. Truist is acting as if I have just stopped paying and expect to stay in my home, when I have been actively seeking modification under the FHA XXXX modification which kept changing and extending the expiration dates each time I applied. I have sent multiple applications being told they do not keep information on each application and would have to resubmit each time only to later be told they keep everything on file, so they have had me resubmit the same documents and information over XXXX times. I have the paperwork from the XXXX deeds office showing the instrument number of the recorded affidavit without probate purring the deed into my name, Truist has this information as well. Had they modified in XXXX when I submitted my first application there wouldnt be default on the loan and payments would have been made. The entire point of the FHA XXXX loss mitigation was to lower the payment and keep the homeowners and XXXX in their home. Many different departments in Trusit have confirmed my XXXX status. Also I had sent a cease and desist to the foreclosure attorney for Trusit to stop mailing documents to my half brothers not related to my father by blood and Trusit took that as me asking them to remove my phone number from my fathers account ( loan ) so they stopped communicating with me when I never requested that my number be removed.

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