Update: My Ongoing Fight with Truist – Taking It to the Authorities

Since sharing my story about Truist Bank’s refusal to accept my mortgage payments and their aggressive pursuit of foreclosure, I’ve taken further steps to seek justice and accountability.

Last week, I formally filed complaints against Truist with the following organizations:

1. Better Business Bureau (BBB)

2. Consumer Financial Protection Bureau (CFPB)

3. Small Business Administration (SBA) – 7(a) Program

4. Maryland Attorney General's Office

Shortly after submitting these complaints, I was contacted by a Client Advocacy Representative from Truist Bank—Mr. Bryan Willis—who expressed an interest in investigating the matter. During our conversation, I provided him with all relevant email communications, including those involving Truist’s Vice President, Tiffany Shaver, and their attorney, Jessica Hepburn Sadler of Ballard Spahr LLP.

I made it clear to Mr. Willis that:

• Since January 2025, Truist and their legal team have blocked my ability to make payments, even though I had the funds ready in my account to cover both December and January.

• They chose to refuse my payments, allowed the loan to become further delinquent, then accelerated the loan, and sent appraisers to my property—despite the fact that it was only 60 days past due.

• Federal law does not permit foreclosure actions to begin until a loan is 90 days delinquent. There is no legal basis for a bank to reject timely payments just to push a borrower past that threshold. To me, this feels like a deliberate scheme—a financial collusion to force foreclosure on an appreciating asset.

During our call, I clearly stated the following to Mr. Willis:

1. I have had the funds to bring the loan current since January.

2. I currently have the funds to bring the loan current through April.

3. I only want Truist to let me pay and bring my account current.

4. The bank must stop legal threats and allow resolution before pushing for an appraisal or foreclosure.

5. Truist should reopen my ability to transfer funds from my checking account to my loan account.

6. Truist must end what I believe are fraudulent actions and legal intimidation aimed at forcing a property seizure.

Mr. Willis asked for two weeks to investigate the matter and return with a response. While I wait for their findings, I remain committed to transparency and will continue to update you all on every step of this journey.

Thank you to everyone who has shared words of support and solidarity. I know I’m not alone in this experience, and my hope is that this process sheds light on how institutions should—not shouldn’t—treat their clients in times of hardship.

Stay tuned.

— A business owner still fighting for fairness

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