Consumer complaint received 2026-01-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am filing a complaint against Truist Bank, the servicer of my VAbacked mortgage, for a threeyear pattern of servicer misconduct, including closing investigations without review, ignoring federal violations, and refusing to act on overwhelming evidence of mortgage origination fraud, false certification, soil hazard concealment, and structural instability tied to my home at XXXX XXXX XXXX, XXXXXXXX XXXX 

This case involves a non-compliant VA loan that was improperly underwritten, falsely certified, and closed despite failing every major federal requirement for VA loan eligibility. The federal government was induced to guarantee a loan that never met VA Minimum Property Requirements ( MPRs ) and was built on USDA classified unsuitable soil, with XXXX building code violations, structural instability, and active foundation movement documented by multiple engineers. 

1. Incomplete VA Appraisals Loan Should Never Have Closed My home underwent two VA appraisals ( XX/XX/XXXX and XX/XX/XXXX ), both marked INCOMPLETE. 
Despite this, the lender ( XXXX XXXX XXXX ) issued a Notice of Value and falsely certified the home met VA Minimum Property Requirements ( MPRs ). 
Truist has refused to investigate this federal violation. 

2. USDA Soil Findings Property Built on Disqualified Soil On XX/XX/XXXX, USDA confirmed the property sits on Pelion foamy sand, federally classified as unsuitable for residential development, violating VA, HUD, and USDA standards. 
Truist has ignored this evidence. 

3. Structural Instability Active Foundation Movement A 2024 Tilt & Deflection Analysis shows : Active slab movement Tilt of 0.07 % ( exceeds safe thresholds ) Differential settlement Structural distortion These findings were concealed by the builder and warranty provider. 
Truist has refused to acknowledge or investigate these safety hazards. 

4. Builder and Lender Fraud XXXX XXXX XXXX  submitted false certifications, processed the loan with incomplete appraisals, altered documents, and concealed soil and structural hazards. 
XXXX XXXX XXXX concealed XXXX building code violations, built on disqualified soil, and delivered a home that never met VA MPRs. 
Truist has refused to address any of these findings. 

5. County and State Failures XXXX XXXX issued a fraudulent Certificate of Occupancy and approved construction on disqualified soil. 
XXXX XXXX XXXX XXXX ) allowed the builder to operate under a XXXX  license. 
Truist has ignored these regulatory failures. 

XXXX. Servicer Misconduct by Truist Bank Truist has : Closed multiple investigations without review Ignored federal violations Refused to act on incomplete VA appraisals Failed to escalate evidence of origination fraud Failed to protect me from known hazards Failed to file a mortgage insurance or indemnification claim Violated RESPA, CFPB servicing rules, and VA servicer obligations My first complaint ( XX/XX/XXXX ) was closed by XXXX  XXXX XXXX, who refused to communicate unless I hired an attorney. 

7. Harm Suffered Forced relocation due to uninhabitable conditions Financial loss Structural danger Emotional distress Loss of property value Exposure to fraud and unsafe housing Servicer obstruction 8. What I Want I request that the CFPB require Truist to : Reopen the investigation Provide a written explanation for prior closures Review all origination documents Address incomplete VA appraisals Acknowledge USDA soil disqualification Investigate structural instability Escalate the case to legal and compliance Confirm whether a mortgage insurance or indemnification claim was filed Comply with VA servicing requirements I can upload supporting documents upon request.

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