Consumer complaint received 2026-04-15 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:
I am submitting a new complaint due to ongoing and unresolved mortgage servicing violations that were not properly addressed in my prior complaint. I am a confirmed XXXX ( XXXX ) as of XX/XX/year> on an FHA-insured loan serviced by Truist Bank. Despite this, the servicer has repeatedly misapplied federal servicing requirements and denied loss mitigation assistance based on improper title and false probate requirements. Truist has : Denied multiple complete loss mitigation applications during the active FHA XXXX Recovery period from XXXX Provided inconsistent and shifting denial reasons ( title, income, missing documents ) Failed to properly evaluate my applications under FHA XXXX waterfall requirements Continued to misidentify the borrower despite confirmed SII status Ignored formal Notices of Error submitted under RESPA Engaged in ongoing collection activity while loss mitigation review was unresolved Most recently, Truist disengaged my application citing attestation not received without identifying any specific missing document or providing a compliant notice of incompleteness as required under federal law. Truists prior CFPB response relied on an incorrect assertion that probate or clear title is required to evaluate a XXXX for loss mitigation. This is inconsistent with FHA guidance, which allows confirmed XXXX to be evaluated for loss mitigation without requiring full title transfer through probate. Additionally, Truist failed to properly apply FHA XXXX Recovery Options, including streamlined and waterfall evaluations required under HUD Mortgagee Letters. This is not a resolved issue. The servicing errors are ongoing, and I am at risk of foreclosure despite repeatedly attempting to obtain assistance under active federal programs that specifically prohibit foreclosure. I am requesting immediate review and enforcement of : FHA loss mitigation requirements Successor-in-Interest protections RESPA error resolution obligations This matter requires escalation and oversight, as prior complaint handling did not address the underlying violations and allowed the servicer to continue noncompliant conduct. Truists actions violate FHA servicing requirements, including but not limited to : HUD Mortgagee Letter XXXX XXXX Recovery Loss Mitigation Options ( requires evaluation of all eligible borrowers, including Successors-in-Interest ) HUD Mortgagee Letter XXXX Extension and continued implementation XXXX XXXX Recovery Options HUD Mortgagee Letter XXXX Final extensions of XXXX recovery protections These guidelines required servicers to evaluate borrowers through a structured waterfall and offer appropriate loss mitigation options before proceeding toward foreclosure. Truist failed to properly evaluate my applications during the active period of these protections ; then stated its no longer active protections while denying me when they were active. Additionally, Truists conduct raises concerns under : 12 CFR 1024.41 Failure to properly evaluate complete loss mitigation applications 12 CFR 1024.35 Failure to respond adequately to Notices of Error 12 CFR 1024.36 Failure to respond to Requests for Information The continued reliance on title/probate barriers is inconsistent with federal guidance regarding Successors-in-Interest and has been used to improperly deny assistance. My name is the sole name on the deed which was approved by the state with a valid Affidavit without probate. Even their foreclosure attorney confirmed this. Claims of having an unclear title are false ; the only XXXX on the property was done by Truist claiming it was in default knowing I was applying for modification.

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