MidAmerica Mortgage Inc CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
05/23/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 37040	Web	Servicemember
To Whom It May Concern, XXXX stated in their previous letter to me, that my deed in lieu of foreclosure was completed effective XX/XX/XXXX, and that the account " was due for all subsequent payments at that time ''. They went on to claim that they reported the correct information to the credit reporting agencies on XX/XX/XXXX, indicating the deed in lieu of foreclosure was effective XX/XX/XXXX. However, they further stated that they did not update the changes to reflect the completed deed in lieu of foreclosure until XX/XX/XXXX. It is now XX/XX/XXXX and the changes do not reflect on my credit to indicate a " XXXX and/or settled '' balance. I want scanned documentation showing exactly what Mid America Mortgage , Inc. reports to the credit reporting agencies, as well as the cited date of submission. XXXX stated on XX/XX/XXXX, that they are the owner of the property ; the property at XXXX XXXX XXXX, XXXX, TN XXXX is listed in their Real Estate Property Owned. XXXX XXXX XXXX has hired several companies to handle the loss mitigation process. XXXX transferred the process over to XXXX with all documentation. XXXX, acting on behalf of XXXX XXXX XXXX, filed a XXXX " Cancellation of Debt '' where they cancelled and forgave all debt associated with the property. I filed this document on my XX/XX/XXXX IRS Tax Return. I have the letter signed and dated by XXXX XXXX XXXX, Vice President of XXXX, indicating that the Deed in Lieu of Foreclosure filed with XXXX was completed and finalized. First, I am not an attorney nor am I practicing law. However, I would direct your attention to XXXX v. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). The court, in their holding, stated that the issuance of a XXXX reflects a creditors cancellation and forgiveness of debt. Thus, the creditor can not sue a debtor in an attempt to seek economic losses. Restated, XXXX filed my XXXX, at the behest of XXXX XXXX XXXX, prior to being submitted to XXXX, again, at XXXX XXXX XXXX 's direction. Moreover, XXXX 's previous letter in response to my last complaint further reflects the outcome of the cancellation and forgiveness of the debt, along with my fourth signed Deed in Lieu of Foreclosure agreement with XXXX XXXX XXXX. XXXX XXXX XXXX, Deputy Property Clerk of XXXX County, and I called XXXX and we spoke with XXXX at XXXX on XX/XX/XXXX. XXXX stated that XXXX is handling the case ; sent documentation to XXXX ( manager ), who will follow up w/ the " closing department. '' The issue in XXXX XXXX is that XXXX never filed a document showing that XXXX XXXX XXXX actually owns the property. The last document they show was filed XX/XX/XXXX ; filed by XXXX XXXX. XXXX XXXX XXXX. ; this document, for some unknown reason, conveys the property back into my name, which at this point is beyond impossible. In Summary : My Customer Care Advocate at XXXX is XXXX XXXX XXXX. His direct line is XXXX. XXXX XXXX called me while I was in a meeting with my attorney where the following, listed numbers 1-7, was established : 1. The Deed in Lieu of Foreclosure is complete 2. I owe nothing on the account 3. The property at XXXX XXXX XXXX XXXX, TN XXXX is in XXXX 's Real Estate Owned. They own the property. 4. XXXX has been negligent in reporting to the credit reporting agencies the " settled '' balance and are in violation of the XX/XX/XXXX Fair Credit Reporting Act. Mid America Mortgage , Inc. and/or XXXX needs to report the " XXXX balance or settled balance '' on my credit history. Moreover, I want scanned documentation, including the dates, from both companies of the submission to the credit reporting agencies. 5. My name is improperly listed as the owner of the property mentioned herein. I do not hold insurance on property that I do not own. Therefore, I have no insurance on the property. If I am sued for liability for something that occurs on the property, I will subsequently sue the rightful owner ( s ). It is in Mid America Mortgage , Inc. 's and XXXX 's best interests to complete items 1-5 in this summary as soon as possible. 6. XXXX XXXX needs to be updated with the proper and rightful documentation showing the rightful owner ( s ) of the property herein. 7. Mid America Mortgage , Inc. needs to contact XXXX to get all information in regard to their complaints received by the CFPB at my behest on the following dates : XX/XX/XXXX and XX/XX/XXXX. By XX/XX/XXXX, I am to receive a letter from XXXX 's business writers stating the same. XXXX 's contact number at her office is : ( XXXX ) XXXX ; her work email is : XXXX The mailing address to her office is : XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX You have my permission- if you need it at this point- to contact XXXX XXXX in regard to this property and send her the required documentation showing that the property has been conveyed from my legal possession and rights to the rightful owners, XXXX or Mid America Mortgage , Inc. , it 's successors, and assigns. You need to do this now. Regards. XXXX XXXX
12/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77449	Web
Good evening. On XXXX XXXX, I attempted to make a payment of {$1800.00} on my mortgage account with Mid America Mortgage Inc. However, Mid America Mortgage Inc automated Machine only took out {$1800.00}. I called and spoke with one of Mid America Mortgage Inc representatives and he informed me that the automated machine would only take the minimum due which was {$1800.00} and that I did not have to pay any late fees. However, over several months late fees had been accumulating. So, I made a separate payment of {$75.00} with the representative over the phone that was drafted from my account. On XXXX XXXX, I checked my XXXX XXXX account and the money was still in my account. I was extremely proactive, and reached out to Mid America Mortgage Inc to informed one of the Representatives that my mortgage funds were still in my account and to please resolve this situation before this incident becomes a negative reflection on my credit report and score. The representative informed me that the funds were being processed and to give it time. However, once again, the funds never deducted from my account. That following first week of XXXX, I called Mid America Mortgage Inc and informed each representative that my mortgage funds were still in my account and that this incident would be a negative reflection on my account. Each representative informed me that my payment went through and to give it time to process with XXXX XXXX XXXX. I became proactive and reached out to XXXX XXXX. I asked XXXX XXXX Customer Service representative if Mid America Mortgage Inc had attempted to draft my mortgage funds from my account. XXXX XXXX Customer Service representative informed me that Mid America Mortgage Inc had not attempted to draft any funds from my account. I reached out to Mid America Mortgage Inc and informed the representative that the funds transaction was not being processed and that XXXX XXXX had informed me. This conversation occurred at least two to three times during the first week of XXXX. This incident was not resolved. Come XXXX XXXX during the morning, a Mid America Mortgage Inc representative contacted me in regards to my Mortgage funds had not been processed, and that I had to make a payment. I informed the representative that I told his colleagues that Mid America Mortgage Company automated system did not processed the funds. I informed the Mid America Mortgage Inc representative that this incident would be a negative reflection on my credit report and score. The representative humor me and said that it want be a negative reflection on my credit report and score, and to call back the next day and inform them that this incident was not my fault. The representative also stated, that Mid America Mortgage Inc automated system is always having problems processing payments. I believe, on XX/XX/XXXX, XXXX sent me an alert informing me that my credit score dropped from XXXX to XXXX due to a late payment. My credit score decreased by 36 points. I contacted Mid America Mortgage Inc in regards to this incident negatively affecting my credit score and also to inform them that this incident was an error on their part with the Automated machine. I was eventually transferred to a supervisor at Mid America Mortgage Company to resolve this issue. However, she took my information and my complaint and stated that she would have to gather more information from the computer to see if there was an error with the system. On XX/XX/XXXX, the representative finally reached out to me after I had called this morning due to no response. The Mid America Mortgage Inc supervisor informed me that I put the numbers in the Automated system wrong and also that the system read the information back to me. I informed the supervisor that I put the numbers in right and also that the system confirmed payment processed. The Supervisor stated, the system will still process the information enter right or wrong and still say processed. I informed the Supervisor that this incident was a computer error and that this was not fair. I informed the supervisor that I was going to take this incident to a higher level. I Informed the supervisor that this was not the first time that Ive had problems paying my mortgage with the Automated system or with a Mid America Mortgage Inc representative. This is not fair. They are single handling destroying my credit, and are unwilling to accept responsibility on there part. I put the information in correctly, and the system stated that the transaction processed successfully. But in hinds sight, I was proactive and informed Mid America Mortgage Inc representatives that the automated system did not processed the funds. The Mid America Mortgage Inc representatives did not want to resubmit another payment after I informed them several times. Please help me. This isnt fair. Thanks for your time. Be safe and stay healthy.
05/11/2020	Yes	Mortgage Other type of mortgage	Trouble during payment process	KY 400XX	Web
My main concern at this time is getting our Escrow Surplus disbursement check of {$980.00}. We'd received a letter dated XX/XX/XXXX stating that we'd have the check within 30 days of the letter - I am attaching the letter for review, we still haven't received payment and they've stopped responding to my messages. I'd also like to draw attention to how this company has had poor customer service since the servicing provider transfer in XX/XX/XXXX for tons of customers - I will be attaching XXXX screenshots and their XXXX XXXX XXXX profile link. They have not updated the credit reporting information to the credit agencies - still showing as closed on our credit reports with a transfer of service which has negatively impacted our credit. This company does not disburse escrow payments in a timely manner to ensure that property tax payments are paid on time and are not upholding the terms of their mortgage contract by doing so. https : XXXX I am providing more details of our experience below - dates, amounts, etc. Purchase of Home with XXXX XXXX using a USDA loan with terms of agreement for escrow payments of our property tax and home insurance through servicing provider - XX/XX/XXXX Received notice of transfer from XXXX XXXX to Mid America Mortgage , Inc. XXXX XXXX XXXX XXXX with payment info to XXXX XXXX XXXX, XXXX, PA on XX/XX/XXXX - due date of first mortgage payment is XX/XX/XXXX Received notice from XXXX that servicing was being transferred via letter dated XX/XX/XXXX from Mid America Mortgage, XXXX, TX to XXXX XXXX, XXXX XXXX, VA - already had auto pay setup for XX/XX/XXXX payment and had to cancel due to service provider transfer - mailed check so it would still be timely/setup new auto draft payment for XX/XX/XXXX payment to new servicing provider contact Emailed County property tax notice to XXXX on XX/XX/XXXX - {$360.00} due by XX/XX/XXXX {$360.00} escrow payment disbursed to XXXX County for county property taxes on XX/XX/XXXX Emailed City property tax notice to XXXX on XX/XX/XXXX - {$81.00} due by XX/XX/XXXX Received notice from Mid America Mortgage via letter dated XX/XX/XXXX concerning XXXX payment being drawn on XX/XX/XXXX due to another service provider change effective XX/XX/XXXX Received notice from XXXX that servicing was being transferred via letter dated XX/XX/XXXX to Mid America Mortgage, XXXX, TX as of XX/XX/XXXX - conflicting info, contacted Mid America and was told that there would be no late charges assessed for 60 days due to the changes and as of XX/XX/XXXX, I would be able to access new mortgage website to setup new auto pay - RSPA 60 day transfer notice was cited for credit reporting Sent certified letter on XX/XX/XXXX to Mid America Mortgage for City Property tax to be paid ASAP As of XX/XX/XXXX, City property tax was still not paid - emailed Mid America to send payment of {$83.00} to City of XXXX since the property taxes were late {$81.00} was disbursed to City property tax on XX/XX/XXXX - past due date and 5 % penalty was assessed meaning the payment was short - went to XXXX and complained about how awful our service has been throughout this whole experience - Mid America contacted me and I alerted of underpayment and to pay the late fee since I had contacted them repeatedly to have the payment disbursed on time - Mid America obliged with paying the 5 % late fee Credit impacted with closure of XXXX XXXX loan on XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX due to transfer - still has not been added back to the credit reporting agencies as of XX/XX/XXXX. I had contacted Mid America about this on XX/XX/XXXX and was told it should be reported as of XX/XX/XXXX, the 60 day RSPA transfer was not up yet which made no sense to me Received notice from Mid America Mortgage via letter dated XX/XX/XXXX stating that we are due a refund of {$980.00} for escrow overpayment and theyd refund via check within 30 days of letter Contacted Mid America concerning escrow overpayment on XX/XX/XXXX concerning check and was told the check was disbursed on XX/XX/XXXX Contacted Mid America concerning escrow overpayment on XX/XX/XXXX and was again told the check disbursed on XX/XX/XXXX and was out of their hands Contacted Mid America concerning escrow overpayment again on XX/XX/XXXX and was referred to conversation with representative on XX/XX/XXXX Contacted Mid America concerning escrow overpayment again on XX/XX/XXXX and was told theyd disburse another check - allow 5-7 business days Contacted Mid America on XX/XX/XXXX and XX/XX/XXXX concerning escrow overpayment to ensure check was disbursed - no response
03/15/2018	Yes	Mortgage VA mortgage	Trouble during payment process	HI 967XX	Web	Older American, Servicemember
On XX/XX/XXXX our home ( XXXX XXXX XXXX in XXXX, NH XXXX ), built in XXXX, suffered extensive damage from snow/ice. We received from our insurance company ( XXXX XXXXXXXX ) not enough money to completely repair the home because they would not acknowledge the full extent of the damage. We negotiated with the insurance company and our mortgage lender ( XXXX XXXX XXXX ( XXXX ), aka XXXX, XXXX, and now Mid-America Mortgage based in XXXX XXXXXXXX, VA ) unsuccessfully for almost a year. We received little assistance and had to rack up credit card and other financing debt to try to triage repairs and hold onto the property. We sought the assistance of contractor XXXX XXXX and paid him from the initial payouts to repair the roof, stop water damage from windows by replacing them ( {$3000.00} out of pocket ), and weatherize ( another {$2000.00} out of pocket ) the home to prevent further damage. He did this very well and passed XXXX and companies ' inspection, but he is still owed {$8500.00}. XXXX XXXX, public adjuster, was brought in to work with XXXX XXXX to point out the larger scope of damage but it did not occur fast enough to avoid our foreclosure. The water damage caused other systems to fail, such as a well pump ( {$8200.00} ) and the heating boiler system ( {$8700.00} ). I asked XXXX and XXXX, our insurance brokers ( XXXX XXXX, XXXX ) to file another insurance claim for the damage to the well pump and heating system but she advised us that it would be denied because of the initial claim still in progress. We have appealed over the past 2 years to the XXXX and companies for compensation of the remaining insurance monies of {$24000.00} to help hold onto our home and pay these outstanding debts ( {$17000.00} mentioned above for well and heating system ) and {$7000.00} owed to XXXX XXXX ( public adjuster ) and {$8500.00} still owed to XXXX XXXX construction. XXXX, the last company before Mid-America, promised us through their representative ( XXXX ) that the {$24000.00} would be given to us upon the presentation of 2 items. These were XXXX XXXX 's XXXX insurance form and the license/proof of legitimacy but New Hampshire requires no licenses. We have sent all of this information to XXXX, based in North Carolina. We filed a claim with the Department of Justice in North Carolina and were told that only Mid America can release the insurance claim funds upon completion of the insurance claim package. It is important to note that XXXX sent a letter on XX/XX/XXXX that asked for only the XXXX and one proof of legitimacy for XXXX XXXX construction but their XX/XX/XXXX letter expanded to 4 items of legitimacy including forcing XXXX XXXX to rejoin the XXXX XXXX XXXX. XXXX XXXX was an A+ member, proof of which I sent to XXXX, but he had to discontinue membership due to egregiously expensive membership fees. Nonetheless we provided all of the 4 proofs of legitimacy they requested. XXXX XXXX is mentioned in the minutes of the XXXX, NH sale of their XXXX building for repair and creation of office space, proof of which was sent to XXXX. But no money has been released to date. This has caused us to file foreclosure and bankruptcy proceedings, as of XX/XX/XXXX ( case # XXXX ). We now rent in Hawaii and are filing here. We are devastated financially and could use this money to pay our legal expenses and crippling losses. Our mortgage loan number was XXXX and the person we worked with at XXXX was XXXX XXXX ( XXXX and XXXX ). XXXX XXXX is suing us through the law offices of XXXX and XXXX, XXXX ( XXXX and XXXX ) for {$7000.00} if you need proof of legitimacy for XXXX XXXX. XXXX XXXX account ( for the well ) is XXXX and address is : XXXX XXXXXXXX XXXX, XXXX XXXX, UT XXXX. The boiler system was replaced and weatherized by XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, NH XXXX ) using their provided financing through XXXX XXXX. That account number is XXXX and address is : XXXX XXXX, Attn : XXXX XXXXXXXX, XXXX. XXXX XXXX, XXXX, FL XXXX. In conclusion, we believe that we have used the insurance money as it was intended to be used ( considering there was not enough to repair the whole structure ) and XXXX and their companies have not. In the last 2 years XXXX and their companies have not repaired the home or done any maintenance on it, nor tried to sell it. We have taken the loss while XXXX and companies have gained.
09/20/2021	Yes	Mortgage VA mortgage	Struggling to pay mortgage	TX 77356	Web	Servicemember
I originally filed a complaint regarding the handling of our payment. I recently reached out to MidAmerica Mortgage and was made aware that my payments had returned. The mortgage company did not bother sending me a notification and I was unaware until I called them to ask about the payments. I use Bill Pay with XXXX and the payment was sent directly to Mid America from XXXX. It was mailed on XX/XX/XXXX and Mid America received the payment on XX/XX/XXXX and it is supposed to be deposited and posted the day that it is received and it wasn't. I had to cancel the 2nd payment I had already set up to pay from the same way and allow Mid America to set up the next payment at the suggestion of XXXX in Loss and Mitigation. I had a bad feeling about doing this but I did it anyway. This is the dirtiest and one of the most UNFAIR acts of " FAIR TRADE '' I have witnessed. They did not post the payment that was mailed by my bank on XX/XX/XXXX like they are required to do, instead they held the check until it was time for our payment that I was asked to set up by Mid America which was on XX/XX/XXXX. They deposited both checks at the same time which I was not expecting 2 weeks after they failed to deposit the check mailed by my bank. At that time, I was under every impression that they were not going to deposit the checks at all. This is what I had stated in my original complaint. They intentionally failed to communicate their intentions because they were setting us up for default I spoke with Mid America on Friday XX/XX/XXXX. They contacted me via phone, I thought this was because of the original complaint that I filed or the response to my letter that I mailed. Well it was not either. They were phishing and asking questions that were in line with applying for the Forbearance that we are totally eligible to receive. My husband lost his job on XX/XX/XXXX for the 2nd time since the Pandemic began. We are just now getting in a position to be able to resume our financial obligations. I explained this to the representative that called me and I asked him if the questions were for the Forbearance. He fumbled for words and said that they have not received our letter that I overnighted requesting the forbearance. He put his supervisor on the phone. XXXX was extremely pleasant and understanding, she immediately took all of our information and place us in forbearance as we spoke on the phone and FINALIZED THIS. We worked out our payment schedule as we agreed that our payments would all be paid by XX/XX/2021. and ALL FEES WOULD BE WAIVED. We both agreed and we disconnected the phone ... Moments later I received a second phone call from Mid America this time I was told by a women describing herself as a little bit " HIGHER UP '' than XXXX. She said she DENIED our Forbearance previously, which is strange because we have NOT spoke to anyone about a Forbearance and the letter that I had sent seeking a forbearance, I was told that they never had received it. So now they are lying to me. XXXX XXXX stated that she personally denied the Forbearance. I told her that we had a verifiable loss of income directly related to COVID 19 and the Cares Act states that we can get a forbearance. She told me that I had to fill out a packet and I explained to her that it was not needed that I only wanted the forbearance to be granted to waive the {$4500.00} in FEES they are trying to tag onto our account. They are NOT trying to help us, in fact they are trying their hardest to put every nail in our coffin. They are to follow the CARES ACT and they have decided on their own to opt out of what was signed into law to protect the homeowner. I NEED HELP~to fight this crooked and unfair business so we can save our home. I am documenting every single unfair action they continue to take against us. We have suffered severe financial hardship due to COVID 19 and they are trying to steal our home from us. XXXX XXXX and her Supervisor are breaking the law.
07/02/2020	Yes	Mortgage Other type of mortgage	Trouble during payment process	IA 500XX	Web	Older American
Upon closing of the purchase of our house in XX/XX/2020, our mortgage loan was immediately sold by the originator to Mid America Mortgage ( MAM ) of XXXX, TX. They have quickly established themselves as the worst mortgage servicing company I have ever dealt with. To begin, once we had account information from MAM, I immediately worked to set up an online account with them in order to pay my bills electronically. This was extremely difficult to do. I spoke with customer service on two occasions. They were very nice and tried to help. But, because of either lack of training or lack of permission, they could do nothing for me. They told me to email customer service ( apparently a different department or level ) to get my electronic account set up. It took multiple emails with multiple screenshots ( several hours over approx. 3 days ) for my account to get set up and activated. As the deadline for my first payment was approaching ( XX/XX/2020 ), I wrote a check and sent it by mail hoping it would arrive in time. Finally, my account was set up and it seemed the problem was solved. Near the end of XXXX, I had not yet received a statement. I again called customer service. They said, That I had opted for electronic statements ( false! I never opt for electronic statements ) ; and that in order to receive paper statements I would have to change that via my online account. I went to log into my online account and it wouldnt let me in. Called customer service again, they said choose change password and try again. I followed that procedure and was directed to answer a series of security questions that I had previously set up. Didnt work. After multiple emails and screenshots ( again ), I was finally able to get into my account. I made my first electronic payment prior to XX/XX/2020 ). To make my XXXX payment, it took multiple attempts to access my account, but I was eventually able to login and make my XXXX Payment. However, just recently when I tried to login to make a XXXX payment, I had the same problems that I experienced before. Again, I called customer service but they were unable to help me and said I needed to email customer service. More screenshots and another email. While I was waiting for a response, I continued to try and get into my account. Eventually I was successful and made my XXXX payment electronically. The previous email that I sent was an angry email! Not abusive, but angry. The response that I received from customer service was to close my electronic account! This is the same account that took parts of several days to set up! This is no longer poor customer service this is customer abuse! Here is the email exchange : Me : EVERY TIME I try to get into your website to make a payment I have problems. Passwords ( I keep meticulous records of these ) DO NOT WORK. When I try to reset my password, the answers to my security questions DO NOT WORK. You have the WORST website of ANY financial institution that I do business with. Today, again, I had the same problems. I called customer service and they sent me a link to reset my password. Screen shot 1 shows that I checked off all of the appropriate protocols for a usable password. Screen shot 2 shows that the reset failed. I have tried MULTIPLE times with two different browsers ( XXXX & XXXX ) .GET THIS FIXED!!!! XXXX XXXX MAM Reply : Hi XXXX, This email is to confirm that the account XXXX ' has been closed for Mid America Mortgage. Thanks! I never asked for my account to be closed. Quite the opposite - I wanted to be able to access it. How can a mortgage lender/servicer be allowed to do this? I have an obligation to make monthly payments in a timely manner, and they seem to be purposely making it as difficult as possible to do this. It seems as though this should fall under predatory lending as my mortgage servicer is actively working to prevent me from paying my mortgage on time. I am hoping you can help me.
02/03/2022	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	OK 74014	Web
I was given a Covid 19 Forbearance on XXXX. I filled out all the paperwork to start a loan modification. I filled out the paperwork and sent in all necessary documents. I was sent a Covid 19 National Emergency Forbearance Loss Mitigation Advance Promissory Note. I reviewed and signed and sent back. In no where on the promissory note did it mention when I would start repaying or how my payments would be made back. The promissory paperwork only told me how I would repay the balance they were giving me a loan for which was all the payments I missed during my forbearance. The manner of payment was due on XXXX. I read the whole promissory paperwork and no where did it explain to me that I had to start paying my loan again on any such day. I figured once I mailed that back they would send me the paper work telling me when my first payment was due. I went through XXXX and then XXXX came and nothing I received a call and I returned it and was told that I was set a letter and I needed to return it. I told the lady I never received so she emailed me the letter. Once I received that letter it was only a letter stating when my forbearance started and when it ended and that my mortgage would keep going on as it has and I had the option to repay or not pay. Again no letter telling me when I was to start repaying and how I was to proceed with my mortgage. I thought they were still processing my loss mitigation. I then lost my uncle do to covid 19 and was out of town for a while handling the funeral. This would now be the XXXX person in our family who had passed. I received my mail and the only thing received was my regular monthly statements from my mortgage company XXXX tribal. That still showed my old missed payments on the that I thought were going to be moved to the promissory note. So I thought they were still processing my loss mitigation. I then received an email from XXXX tribal saying that my loss mitigation had been denied due to missed trial payments for XXXX, XXXX, and XXXX. I immediately called and was told I missed the payments so they were no longer honoring my loss mitigation. I explained I never received anything through the mail and they told me they never sent anything that someone told me over the phone and I should have knew that I was to start making payments. I explained no one ever told me by phone they could pull the recordings because if that was the case I would have made the payments. I thought I was waiting on paperwork to show what my new payment would be and when it was due. I was told they don't have to send out paperwork like that because in the cares act they can provide that by phone. I told them no one told me and they told me that the Covid 19 loss mitigation was off the table unless I came up with XXXX immediately for then to reconsider or I could submit a new loan modification. I explained that I already filled out the paperwork and no one sent me a letter again I was told by a supervisor they made several attempts to call. I told them when they call the number says spam. I have a ton of calls from spam I never knew it was the mortgage company. I explained that I should have received a letter so that I would know what is going on. The supervisor told me to go look up the cares act covid 19 information online because it clearly states they do not have to provide anything by mail and I had XXXX options to either pay now or try again. I believe this was extremely unfair. Any time you file a loan modification they should provide you with paper work to explain how the process works. No one on the phone ever explained to me that a payment needed to be made starting any day. How would I know what to pay if they were removing all the late fees and past due payments my mortgage monthly papers still showed all that on there.
02/15/2019	Yes	Mortgage VA mortgage	Trouble during payment process	NE 681XX	Web	Servicemember
Being a XXXX XXXX XXXX Veteran in Nebraska, I received a Homestead Exemption for XXXX, which eliminates my property taxes. I received an email from Mid-America Mortgage , Inc. on XX/XX/XXXX acknowledging that they received my Homestead Exemption form and my mortgage payment would be recalculated. I did not receive a new payment amount until XX/XX/XXXX by mail. My payment was due on XX/XX/XXXX, so I made my previous full payment of {$2100.00} on XX/XX/XXXX, which ended up being an overpayment of {$540.00}, because of my new payment of {$1600.00}. Mid America Mortgage applied the overpayment of {$540.00} to the principal of the mortgage without my permission or approval. After receiving the new payment amount on XX/XX/XXXX, I contacted Mid America Mortgage asking for my overpayment to be refunded. On XX/XX/XXXX, I called their customer service and was told I had to email my request in order to receive it back. After waiting a couple weeks, I called customer service on XX/XX/XXXX and was told I needed to send another email with my Homestead Exemption tax form attached, which I did that day at XXXX. After still no refund, I called again on XX/XX/XXXX. I was given the run around, but was finally told that I needed to send them my bank account statements proving that my XXXX and XXXX mortgage payments cleared from my account and to request my refund check be overnight delivered to me because of the amount of time I have waited for it. They said once I sent them my bank statements and received a response email with an XXXX number to contact them immediately. I received that information and contacted them back an hour or so later. I was told they reviewed all of it and had everything they needed. I was told the supervisor expedited everything and I should receive the check on Tuesday XX/XX/XXXX. After still no refund check, I called customer service again today, XX/XX/XXXX, and after 45 minutes was told that they didnt know what was going on and they would call me back in 3-5 more days to tell me whats going on. If and that is a big if, they call me next week to tell me whats going on, that will be going on 7 weeks since my initial request for my refund was made. Then, if they actually do get whatever figured out, it will have taken approximately 2 months since I first requested my refund. I have sent them everything they have asked for and have followed up repeatedly. Unfortunately, they have not done the same. Im sure they recorded all of the calls that take place, so I will guarantee everything I have told you is 100 % accurate. I have asked for other contact numbers or other managers to speak to, to find out whats going on and have been told there are no other numbers to call or people to talk to. They said they only have contact via email with other departments, but no direct phone numbers or communications with any other departments. According to them, the only people that I can speak to are themselves, which have failed Me repeatedly. I have zero trust or faith in them whatsoever. I am stuck in a vicious cycle with nowhere to go or anyone to help me get my refund. Mid America Mortgage , Inc.s customer service has completely failed taking accountability for incompetence and taking care of a simple request for an overpayment refund of {$540.00} to a XXXX XXXX XXXX XXXX XXXX XXXX Veteran from the United States XXXX XXXX that was made about 6 weeks ago. If I only made a partial mortgage payment excluding the {$540.00} they owe me, I guarantee they would be contacting me and/or reporting it to the Credit Agencies negatively effecting my credit scores. However, they do not want to give me the money that is rightfully owed to me. Please help me get my {$540.00} refund!!! Im at a loss and really need your help!
03/12/2021	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	MD 21060	Web
I am a homeowner with a mortgage through Mid America Mortgage. I applied for loss mitigation in XXXX 2020. On XX/XX/2020 I was contacted and offered a trial payment agreement in the amount of {$1400.00} beginning XXXX, XXXX XX/XX/ 2020. During that time all payments were made as agreed. In XXXX, 2020, I was not contacted by Mid America Mortgage. I had not been contacted at all. I continued to make payments on my mortgage. In the beginning of XXXX 2020, I called to inquire about the status of my loss mitigation process because I had not received the finalized paperwork after completing my trial payments. I was told I had to wait. In the process the representative stated I missed a payment in XXXX. I submitted proof of payment ( a copy of the cashiers check ) via email. I was not contacted to confirm receipt. I called back to check and found that Mid America received it. I expressed my concerns about being in the trial agreement as long as I was because the longer I would remain in the trial, I was always at the mercy of the company to be kicked out. I expressed that after the final paperwork would be drafted and signed, if I were late I would only have to pay a late fee and life would resume without the stress and worry of being sent to foreclosure. I was in a car accident in the same month XXXX XX/XX/2020 ) leaving my car totaled and me out of work until XXXX. I was contacted by Mid America about my mortgage payment and I told them about the car accident and that because they did not make telephone or online payments available to me I would have to get to the bank to obtain a cashiers check. I made the payment. I was constantly asked about my payment that I paid. In XXXX I was contacted about not being able to have final loss mitigation papers written for me because I missed the payment. Despite the circumstance, despite the restriction of payment options, despite the fact that the trial period was for three months which I completed, and despite the fact that I paid, on XX/XX/2020 I was denied loss mitigation. I had been in contact with Mid America Mortgage almost every week since XXXX. I was in constant contact with one representative from XXXX to XXXX. I was told by that representative that they would be able to take payment and draft the loss mitigation paperwork from XXXX. Then I was told by another representative that I had to pay XXXX and now XXXX. After I was told that the paperwork could have been drafted from XXXX, the representative that I had been in contact with had become unavailable. I talked to a different representative each time and each representative told me something different. One representative told me the finalized paperwork was on its way to me. One representative told me that the company has allowed customers to catch up and have drafted paperwork but I had not been given the opportunity. I was told that people of color had not been given the same opportunities as white customers. I do believe that I was profiled and treated differently. I had not expressed an inability to pay I merely expressed a circumstance that was out of my control ( the car accident ) I had even offered to provide all proof of the accident which I later provided to them. No one would hear me. No one would listen. The fact that my 90 day trial payment period carried on nine months is excessive. During that time I have made payments on time and above the agreement amount. I believe that discriminatory behavior was used in my case. I am now subject to foreclosure after paying for nine months. XXXX, XXXX and XXXX have been very adamant about not finalizing my paperwork and have done so for others.
03/02/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75098	Web
Around the XX/XX/XXXX I received a call from XXXX on behalf of MidAmerica Mortgage that my XX/XX/XXXX payment was 30 days past due. So my wife called and was advised that it takes some time for previous servicer ( XXXX ) to transfer all payments to the new servicer. However on XX/XX/XXXX I received another call at work and returned the call to be told again my payment was 30+ days late. I explained to them that that was incorrect and I would reach out to XXXX for info on why the full payment wasn't transferred and see if we could get a conference call set up to correct the issue. At this point I spoke to XXXX at XXXX and was provided my transfer letter dated XX/XX/XXXX to be effective XX/XX/XXXX and told payments were due to new servicer effective XX/XX/XXXX at which point we called to attempt to resolve together with XXXX and they refused. I then called back and spoke to XXXX ( agentID XXXX ) at XXXX and she informed me it was an error on behalf of XXXX and she would resolve it. However I then began receiving phone calls from XXXX Default payment line and letters in the mail in regards to default so I called multiple times and have experienced long wait times. Finally on XX/XX/XXXX I spoke with XXXX ( agent ID XXXX ) whom informed me she would have someone research it and get back with me within 24hrs. but she recommended I pay an additional {$1000.00} in order to avoid further collections and credit reporting. I informed her she can not report me to credit and I was not late however she stated my payment made to XXXX for XX/XX/XXXX was posted to XX/XX/XXXX as they only showed a partial payment for XX/XX/XXXX so it could not be applied until payment was made. I then requested a supervisor and she stated know one was available and someone would call me back within 24hrs. I did receive a call on XX/XX/XXXX at XXXX but missed that call. So I called back today XX/XX/XXXX and spoke with XXXX ( agent ID XXXX ) and explained to her once again that I received a letter from XXXX showing payments due to XXXX on behalf of MidAmerica beginning XX/XX/XXXX and confirmed with XXXX XX/XX/XXXX payment was made and that this needs to be resolved. She informed me that the account would be reported to credit unless I paid an amount of {$1000.00} as again they had a partial payment received in XX/XX/XXXX that was not applied so my XX/XX/XXXX payment was applied to XX/XX/XXXX and I show to now be due for XX/XX/XXXX, I explained again to her the transfer was not effective until XX/XX/XXXX with payments due to them on XX/XX/XXXX and that I did not send a partial payment and had proof. I also explained to her I submitted an online inquiry with XXXX XXXX on Sun XX/XX/XXXX ( ticket ID XXXX ) be resolved with previous servicer and explained I had written documentation if needed. XXXX informed me that I need to gather all documentation and a supervisor would contact me within 20 min. 1 hr later and I have yet to hear anything. I have documentation of all payments made since 1st payment began due on XX/XX/XXXX, the servicing transfer letter from XXXX and CD from closing. This has caused lots of anguish, stress, and time for me to attempt contacts with XXXX and having to go back in and research documentation that they should have on record and maintain. XXXX does not make it very easy to contact them has they have very long wait times and it appears internally they do not escalate the concerns presented to them. Further this has taken time away from my employment to respond and answer to all of the issues presented in order to avoid their threat of reporting to my credit.
02/12/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	NM 87507	Web
I was contacted on XX/XX/XXXX by my mortgage company. The mortgage company stated that I did not make my XXXX payment. I stated and verified by my account that I had made a payment. The rep then told me the bank just reversed that payment and emailed the mortgage company about it. I know ACH processing does not work like that, so I challenged the rep on this fact. He then placed me on a long hold and came back and told my that a payment was misapplied to my account XX/XX/XXXX. This was misleading, false, predatory. I did not agree with this, nor could I challenge the fact that they said I was past due. I asked for a completed account history and proof of the adjusment. I only recevied the account history for this a yesteday, and I contacted the company today XX/XX/XXXX to address concerns I still had. I wanted to make my account was current and pay my current bill for XXXX. The rep stated that my bill amount had increased by {$5.00} due to an escrow adjustment for the year ahead. The online system was still showing my payment amount of {$950.00}. XXXX. However the breakdown of payment was wrong. Showing {$890.00} partial payment due, {$950.00} regular payment due, {$140.00} late charges and fees, and {$5.00} partial payemnt due. {$950.00} advance payment for XX/XX/XXXX. Still not showing the increase. I attempted to reconcile with my bank account information, the account history provided to me by the mortage company and my mortgage statements. I do not retain my statements as I am always current. I have not been able to do a full reconciliation without these mortgage statements. The payment history that I receieved was not intutive and it not clear what applied and not applied based on the legend provided by the company. There is a section for statements online however they only load end of the year tax documents there, and not monthly statements. I know that my payment was late XX/XX/XXXX and XX/XX/XXXX. There should only be one late charge for those months @ XXXX. Plus change. For a total of XXXX in late fees. These payments were never 30+ days, so the mortgage company should not post anything to my credit report. On the adjustment report the company is attempting to charge 2 x late fees calling one Uncollected late chage and the other just late charge. I believe this is predatory, and there should only be one late fee assessed. When I pressed the rep on the phone about the late fees he stated, Those are late fees for the life of loan. On XX/XX/XXXX with my payment of {$980.00} I paid the account current, which included the latest fee assessment. As stated I know I was late after that only in XXXX and XXXX and should not have {$140.00} in late fees. Also reg E requires that disputed electronic items must be done so in 6months of the transaction. The adjustment attempted by the mortgage company os outside that deadline. I dont think this mortgage company should be grossly adjusting my account to this point. I can not even tell what has happened with the interst adjustment to that payment from XX/XX/XXXX, as no one has got back to me on that. I believe I should be allowed to make my XXXX payment {$950.00} or {$950.00} + {$5.00} for escrow adjusmtent, plus 2 months of late fees to be current on my account. I have already spent several hours trying to resolve this issue. Please help. Thank you.
06/19/2022	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 750XX	Web
I submitted a complaint # XXXX The Original Compaint was : In XX/XX/XXXX I did a 12 month COVID 19 Forbearance with Mid-America Mortgage XXXX They assured me through the CARES Act that it would not report negatively on my credit. At the end of it I chose an option, allowed to me as a XXXX XXXX loan, to do a streamline modification. They tried to force me into other options by sending me the wrong docs, and I finally got them to do the streamline. They told me that their policy is to have me pay 3 payments and that after that it will be streamlined. I just made my third payment, and got a notification from XXXX that there has been a massive change to my credit score. They reported me as missing 12 payments totaling over {$33000.00}. It dropped my credit score from the XXXX to XXXX. I reported it to them and they told me they would put it under review and it could take up to 45 days if they were to fix it. That was last week. As of today they reported me late again. My understanding of the Cares act is this should not be reported as delinquent unless I defaulted on the loan after the forbearance was done. To this day, I can not make payments online. They still have me marked as in a loss mitigation and I have to make payments by calling them. Their response was : Our records reflect a credit reporting correction was submitted and processed due to an internal servicing error. We sincerely apologize for any frustration or inconvenience that this may have caused to the consumer. The Automated Universal Data Form ( AUD ) was completed on XX/XX/XXXX in reference to loan XXXX. The AUD is a manual update to remove the derogatory delinquency for XX/XX/XXXX and to report the loan according to the credit suppression. The update was submitted to the three major credit bureaus to reflect the current loan status. The consumer may reference the control number XXXX for their records. This was submitted to XXXX, XXXX and XXXX. Please be advised it may take up to 30 days for the agencies to update their records. Free credit monitoring services may take longer to update the status of reporting based on the third party. Please accept this letter as evidence the update has been submitted. The consumer has been advised that access to payments through the online portal, CARE, will be restricted until the Loan Modification is completed. We received the third Trial Payment as agreed in the amount of {$2700.00} on XX/XX/XXXX. Subsequently, the Loan Modification Document Package and Agreement have been mailed on XX/XX/XXXX with instructions on how to execute the documents included. Failure to return the executed documents per the requirements may result in the rescission of the Loss Mitigation option. Additionally, the consumer has been advised to please ensure all requested documents are submitted in a timely manner to facilitate Mid America Mortgage , Inc.s review of your account for appropriate workout assistance. They removed it from my credit, and 2 weeks later put it right back on dropping my credit score from XXXX to XXXX.
08/12/2021	Yes	Mortgage VA mortgage	Trouble during payment process	TX 77356	Web	Servicemember
Mid America Mortgage finally accomplished a new loan modification agreement which we signed at the end of XX/XX/XXXX. This took almost an entire year due to issues that they had with prior servicing company which ended with the other company barely giving notice and dumping all of the loans onto Mid America when they were not equipped to handle the load. Unfortunately for us, our loan was in the middle of a modification to our original loan. There were errors in the modification terms and Mid America sent them via messenger along with rest of modification. We chose not to sign that day due to questions about the price of modified loan. I followed up with XXXX XXXX literally I emailed him almost daily and I could not get a response. 6 months later after speaking with many people that work in different departments, I finally talked with someone who actually listened to what I was pleading. We did not refuse to sign and that was their reasoning for moving forward with foreclosure, they agreed to give us another modification which was signed in XXXX XXXX our XXXX payment was due in XX/XX/XXXX & I checked my account login and I was not able to access my online account & also be able to pay my bill there electronically. I began trying to reach them by phone and the hold times were & are extremely long. After several attempts, I decided to go ahead and mail the payment overnight to the P.O.Box, to get there on time.In XXXX, I sent several emails requesting that my password be reset as instructed and also requesting the loan modification dept to call me. I finally received a call and set up payment and during the time we spoke and the time they were to deposit the payment, my checking acct was compromised. I had to close account and I could not get through to them to ask them not to run check through that bank acct. this was urgent. I went to the bill pay tool on my new bank account and set up reoccurring payments in XXXX XXXX and they sent the new check. A couple of days later, I received a phone call from a female rep and she asked me what was happening and I explained all of the trouble I was having to get through to get my payments to them so she said she reset password link and ended call. I tried immediately to set the new password and it did not work. I tried to call back but didn't have time to hold. Then on XX/XX/XXXX I rcvd a call from XXXX. He worked on the loan mod and was familiar with our file. I gave him the XXXX # XXXX from the payment the bank sent and he asked me to cancel the one for month of XXXX and he would set it up to pay on his end. He gave me his confirmation # XXXX for {$2100.00}. Neither one of these payments has been presented against our bank account for payment and I am afraid that they are doing something to make us lose our home because they have made it so difficult just to make our loan payment.
08/05/2021	Yes	Mortgage Other type of mortgage	Trouble during payment process	OR 97217	Web
I currently have a XXXX XXXX loan serviced by XXXX lending / aka mid america mortgage. We completed a refinance of our loan through this lender/provider in XXXX of XXXX. We received an amortization schedule for the loan that revealed the removal of the annual premium ( essentially the PMI ) on a date of XX/XX/XXXX. The reason the premium fell off at that time is because the rules for the calculation of the LTV on a Section XXXX loan are simple. As stated in the federal register : " This annual premium will continue until the unpaid principal balance, excluding the upfront loan guarantee fee, reaches 78 % of the lower of the initial sales price or appraisal value based on the initial amortization schedule. '' This was a refinance so there was no initial sales price associated with the loan so the basis of the LTV was against the appraisal " excluding the upfront loan guarantee fee '' that was paid when we closed on the loan. XXXX/mid america continues to state that our LTV is calculated based on the remaining principal balance divided by the appraisal value provided during the refinance. However the calculation should be the remaining principal balance, excluding the upfront loan guarantee divided by the appraisal value provided during the refinance. We even have an amortization schedule that was included in the closing documents that validates this threshold value XXXX the one that excludes the upfront loan guarantee fee that we paid XXXX. Despite presenting this evidence to their escrow department we received the following email from them : " Hi, We have received confirmation regarding the information in removing the PMI. The correct amortization schedule is from section XXXX. I have attached the amortization schedule showing the XXXX ( 77.9 % ) is on XX/XX/XXXX. Thanks Escrow '' Not surprisingly, nothing was attached to their email response. The math is simple ( per my attached documentation ). The original principal balance - {$360000.00} MINUS the loan guarantee paid upfront ( {$5400.00} ) / the original value of the appraisal of {$450000.00} is how the threshold value for the premium drop-off should be calculated. This is my 2nd complaint with this organization ; I am unable to contact their escrow department in any other way other than email ( which is ridiculous ) and their inability to explain their bizarre servicing of my loan is extremely suspect at best. I suppose we don't have a lot of options when it comes to groups that provide Section XXXX loans but the ability to have a conversation around details like this are pretty basic things in my opinion and limiting the ability to communicate to only email is unprofessional and disturbing.
12/12/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	TN 383XX	Web
My loan was originally serviced by XXXX XXXX XXXX and recently was taken back by Mid America Mortgage. In early XXXX, I sent a check for {$500.00} to XXXX, not aware that Mid America had taken control of the loan, in which the check was returned to me, stating that it was not half of the full amt due. I was not made aware of any specific amt due at that time, when I sent the payment, and wasn't even aware that Mid America had taken control of the account. The letter was dated XX/XX/2019. After receiving the noticed, I then received another letter from XXXX XXXX stating that I was now in default with Mid America Mortgage, and to cure my account I needed to send {$1400.00} to Mid America Mtg , Inc. at XXXX. XXXX XXXX XXXX, Tx. XXXX, by XX/XX/2019. I also have another letter dated XX/XX/XXXX, " Notice of Servicing Transfer, '' stating that all payments after XX/XX/2019, must be sent to the XXXX, Tx address. On XX/XX/2019, a check for {$1400.00}, amount due to cure my mortgage was sent to Mid America Mtg , Inc. at XXXX. XXXX XXXX XXXX, Tx. XXXX. As of this date, the money still sits in my bank, and no attempts by Mid America Mtg to retrieve the funds to cure my mtg payments. I have made numerous attempts to contact Mid America Mtg and all I get is an ROBO voice placing me on hold and saying to hold on for the next representative. I have sat on hold for as much as 3 hours at a time, waiting for someone to speak with, and yet no live person answers. I have called the XXXX, the original and all they tell me is that the loan was transferred back to Mid America Mtg and that they have the same phone number for them, as I do. I have tried all the contact numbers I have found on the web for Mid America Mtg, and I get the same response, no live person only a robo answering. I am at a total dismay, for I am afraid that because of their not taking calls, that they will try and foreclose on my home, and then I will be become homeless, along with my XXXX mother, who relies on me for a place to live. I also researched the reviews against Mid American Mtg, and I am not the only person having issues. There are numerous reviews filed by unpleasant customers of theirs. I hope that you can help me, for I am doing everything possible to make my payments, and because Mid America isn't doing their jobs, they will possibly cause myself along with other homeowners to lose their homes. Also, when trying to create an online account with them, their site isn't working as well. I also have not ever received my new loan package from Mid America Mtg, so I don't even have my new loan number. Thank you 4
12/21/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	AK 99801	Web
My HUD184 loan servicing was previously through XXXX. Since I had the loan in 2015, I had not made one late payment. I noticed mid-XXXX that my XXXX payment had not been cashed. I called and was on hold for an hour before I could speak to someone. The representative at XXXX said that the servicing of my loan was being moved to MidAmerica Mortgage and they were servicing their own loans. She gave my my account number ( which turned out to be only for LoanCare ) and a number to get a hold of someone at MidAmerica. I called MidAmerica the next day. There was a recording on their phone that stated they were closed for an " unexpected event ''. I called again the next day and again was on hold for well over an hour. I hung up and called LoanCare again as I couldn't get anyone at MidAmerica to answer. I talked to another rep at LoanCare who said that while the account is in transition, that there would be a 60 day grace period. She also said I wouldn't be held liable for any late payments. She said that they had just sent out the notices that they were no longer servicing the loan the week before and I should get it in the mail. I never received the notice from LoanCare. She also stated that MidAmerica would be sending me a welcome packet as well. I never received that. XXXX came and went. I figured I had done my research and that I just had to wait to get something from them in the mail. I also kept checking my e-mail on file with them. I received nothing at either. On XX/XX/XXXX, I still hadn't received anything. I called MidAmerica again. I was on hold for over an hour again. I finally got through to someone. It wasn't actually MidAmerica who was servicing my loan, it was 1st Tribal. Also, she said the account number wasn't theirs, it was XXXX 's, so she gave me a new account number and I was able to login on the portal while I was on the phone with her. My account stated I was two months behind on my mortgage. I now owed over {$4500.00} in two weeks. She said they hadn't sent me a welcome package but that she would talk to her supervisor to have one sent to me right away. I was upset with her. I have never been late and now I had two agencies not send me the information. I had no way of making payments or knew what was going on. I am lucky that I am able to catch up, but not everyone has three months of payments at the holidays. This has also put undue stress on us for XXXX. I don't think this was handled appropriately and it put my house in jeopardy. Someone should know what they've done. I doubt I'm the only one who has experienced this.
03/03/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	GA 30114	Web
My mortgage switched from my original lender/servicer to a new servicer - Mid America Mortgage - on XX/XX/XXXX. I had made my XXXX mortgage payment on XX/XX/XXXX to my original lender, but they transferred that payment along with the loan to the new servicer. That payment was lost in the shuffle and Mid America didnt find/apply the payment to my account until XX/XX/XXXX. My account with Mid America wasnt active until XX/XX/XXXX and, despite several attempts to pay online and over the phone, they were not able to process any payment attempts until it was active in their system. On XX/XX/XXXX, I paid the XX/XX/XXXX and XX/XX/XXXX payments at once. Because of this, neither of those payments were applied in XXXX and I am not getting any credit for the XXXX, and XXXX payments on my XXXX taxes. Additionally, my property taxes were due on XX/XX/XXXX, in the amount of {$2400.00}. It also was lost on the shuffle and it took my calling Mid America several times to get them to pay the amount from my escrow account. Again, this payment was not applied to my XXXX taxes. More importantly, the escrow amount they were claiming they received was not accurate. They said they would looking into the issue and call/email me to confirm the correct amount. I never received a call. The other issue is that the customer service reps at Mid America do not seem to have training and I only seem to get anything accomplished when I connect the customer service representatives from my previous lender with the new service reps at Mid America. And to get in touch with Mid America I consistently have to wait on hold for 1-2 hours before speaking with anyone. Only to be disregarded, told its another department ( which Im not allowed to speak to directly ) and promised a follow-up call from them, which I never receive. Im so sick of dealing with their ineptitude, sitting on hold, and not getting help. And I have zero control over who services my loan. This is a such a frustrating company to communicate and work with. And they have dropped the ball so many times. This is my first mortgage on my first home and the bottom line is I cant trust them to provide quality service or keep accurate records of my payments, escrow amount, or even to make payments on my property taxes on time. Someone needs to kick them into high gear. Its also worth noting that they openly admit that Im not the only customer experiencing these mistakes and my previous lender is getting quite a few complaints from borrows whol theyve transferred to Mid America. I need your help! We all do!
07/31/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92154	Web	Servicemember
In XX/XX/XXXX2019 my escrow/taxes were increased and I did got recieve the notice due to being on XXXX, this caused the auto payment I had to be short. I made the additional payment to correct the issue 10 days later and was told that was all I had to do and the issue was fixed. The following month I recieved a call to call them, when I did I was told I was 30 days late on my payment. I have never been late on a payment and always pay on the XXXX for the next months bill. After calling the company I was told by the person that everything was correct and that they had applied the XX/XX/XXXX payments to principal instead of to my bill ; therefore, the payment I made in XX/XX/XXXX was applied to the now 30 day late XX/XX/XXXX bill. The teller took a note and sent it to the auditor and was told that the issue would be resolved on the XXXX of the month. On theXX/XX/XXXX I checked online and the issue was still not resolved and it had once again been posted to the previous month. I have now been calling every two weeks trying to straighten this out calling on the XXXX of every month when they tell me that everything posts and the following day that i realize nothing was done again. I have talked to 11 people from this company three of them being supervisors and they have still not corrected the issue. Every time i call the place the people read me the notes that were taken by the last person and automatically see the issue. The only thing good i can say about the company so far is since i have been calling them and it is there mistake they have not charged me any late fees. I just want the issue resolved and have given the company plenty of time and reminders to fix the issue and it has yet to be resolved. Below are all the dates that I have contacted the comany in regards to this issue. I am currently on hold with them in regards to this again as the last supervisor stated that it would be corrected and posted by last night and it still isnt fixed. It is ridiculous that as a professional coorparation I can call that many times and get told it will be fixed so many times and nothing changes. This is by far the worse comapny I have dealt with in regards to correcting an issue, every one of your staff admits its the companies fault when on the phone and can see what im talking about but customer service is powerless to help. There is no accountability to get it corrected. XX/XX/XXXX XX/XX/XXXX x 3 XX/XX/XXXX XX/XX/XXXX x 2 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
02/16/2022	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	OK 74701	Web
Not sure exactly when we applied, but the first time our credit was pulled was on XX/XX/2021. Since then, we have been constantly getting current document 's to send them every few weeks. We paid off collections and shown proof of such ( as stated in HUD 's S184 Guidelines ). They do not fallow said guidelines very tightly. It's suppose to be " flexible underwriting '' but it seems as if they are fallowing whatever guidelines as if it wasn't section 184. It has taken 9 months for a " pre-approval ''. Now they are telling us that we need a pin/stake survey prior and post closing that will cost $ XXXX {$2000.00}, after they told us and set up for a survey post closing for {$450.00} ( they set this up about 5 months into this process ). Now here we are 10 months in and getting conflicted on what the next step is. This process has been very invasive and frustrating. We have submitted all documents that were requested, and saved up more money then what they had told us we needed. After everything that has been asked of us, there has always been more document 's needed and never any good information about whether we are approved or not or what the next step is. It has just constantly been a barrage of " I know we haven't called you in a month so we need another months worth of all these documents ''. This has been very emotionally draining for the last 10 months and we feel like we are being tossed around while they just make up more documentations for us to come up with. There is a huge lack of communication. We will be contacted one day and told we will receive a phone call later that day or the next day and a week will go by without hearing a word and we won't hear anything at all until we call them to remind them that we are still alive. Then it's the same excuse again about getting a call soon, and then another week will pass by, we will call, and they need more paperwork again. I've had better luck getting a phishing email to respond to me then this bank. I get that applying for a mortgage is a very rigorous process but when 10 months ( so far ) could be compressed to 3 or 4 months it is ridiculous. When asked for something we would turn it in within 24 hours. The only time they were waiting on us, was when we paid something off and had to wait for letters in the mail. We don't know what else we need to do from here on out. We just want to move forward and get the outcome that we have been working towards.
09/23/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	OR 97206	Web
I have a mortgage through XXXX XXXX XXXX DBA MidAmerica Mortgage. I called around the end of XX/XX/2020 to talk about forbearance options with the CARES Act. I was immediately transferred to Collections department and the agent was 'tough ' about letting the mortgage go into Forbearance the way we instructed. I told her I was experiencing financial hardships with my job and needed to go into forbearance- she wanted to know the specifics of my hardship! I kindly let her know the CARES Act doesn't say I have to divulge my personal detailed hardship. The rep immediately responded with " I need to know the specifics ... '' I just told her that my hours were cut. Her attitude changed from mean sales person to kind customer service. " I am sorry your hours are cut at work- and then instructed me to go into default! in order to be placed in Forbearance. I thought that was odd and again asked why we couldn't just go into Forbearance with my XX/XX/2020 payments? She told me that is not how it works- I would have to voluntarily missed one payment and put loan into default. Once in default, then they would be able to move my loan into forbearance and mail me my repayment options. I kindly asked her to clarify where she was getting that information, The CARES Act does not specify I would need to go into default, to go into Forbearance I only had to contact my bank verbally or email/note with my request and they would send a letter out with my agreement and payment options. She said No- I would have to purposely miss a few months payments, go into default and then call in every month to check in with her about my hardship. This did not sit well with me at all and I said Thank you let me think this over. I called again a week later, was immediately transferred to Collections again and given the same false information and pressured to make an uneducated decision. I reached out to my Mortgage Broker and he mentioned that by going into default as the state of our loan during Forbearance will create more chaos and the loan needs to stay in 'Current Status '' I emailed the company again with my information and request of Forbearance to begin XX/XX/2020 and have not heard anything back from them. I DO NOT want to go into default to take advantage of the CARES Act these are unfair and deceptive tactics and tricks to make the consumer have to pay more in the long run.
07/17/2020	Yes	Mortgage VA mortgage	Struggling to pay mortgage	AZ 85718	Web	Servicemember
I reached out to Mid-america mortgage when I learned that my tenant would be moving out of my house in XXXX XXXX. I had a buyer contact me and started lining up a short sale with mid-america mortgage starting the end of XXXX. Mid-America completely botched the short sale twice. The first time they weren't sending the right documents to the buyer and title company, the second time they raised their expected revenue by $ XXXX on closing day and the buyer walked away. This company has been deceptively slow in transactions and responding to me, and when they acquired my XXXX loan back in XXXX of XXXX, I was not able to make a payment for almost 5 months, even when I phoned nobody would take a payment. I fell behind, hence the loss mitigation and trying to get rid of the house versus getting caught up which I can not afford to do, nor can I afford the $ XXXX maintenance on the property, which magically the Mid America Appraiser ignored compared to two other appraisal performed on the property. I believe Mid America is acting in poor faith and is negligent since last XXXX in regards to the servicing of the house and property at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. During the second short sale attempt, they constantly misplaced documents that the buyer or myself had to constantly resend them. They originally asked for $ XXXX in revenue and bumped it up on closing day and my buyer walked away. I believe this is a tactic for them to be able to report a higher debt on a deed in lieu of or other public record against me, even though the property was XXXX through a chapter XXXX bankruptcy. I fought to get a buyer to benefit them and they blew that back in my face. They are already netting my Va Loan guaranty and there should have been no reason for them to come back and ask for more money. Now, they have sat on a deed in lieu of application for two weeks with no movement, and just keep " notating '' the account and telling me someone will contact me. Nobody from Mid-America has ever contacted me. This house and this company are adding unnecessary stress to a permanently XXXX combat veteran. I feel like this is the time to have the company have external pressure applied to protect my mental health and to do their job in a timely manner and to prevent them from somehow attacking me on the backend.
01/02/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	OK 741XX	Web
We received a letter stating that our mortgage loan was being sold to XXXX XXXX XXXX from XXXX on XX/XX/2019. Our welcome letter from XXXXXXXX XXXX XXXX was dated XX/XX/2019. I was suppose to make my first payment on XX/XX/2019 but when I tried the payment was returned to me. I tried to call multiple times with wait times over 30 minutes. I finally got to speak with a real person and they informed me that my loan wasn't in the system yet and my payment wouldn't be due until XX/XX/2019. Tried to pay two different times in XXXX and both payments were returned to me. I tried to mail a check on XX/XX/XXXX and they mailed a check back to me. I called again and they said I still wasn't in the system yet and they couldn't take my payment until my loan was in the system. I finally got my payment of {$1000.00} to go through on XX/XX/XXXX by paying on their website. I was a month behind, so in XXXX I made two payments of {$2100.00} to bring my loan current. They never added the payment to my account, so my loan has been behind since it has been sold. I have provided bank statements three or four times to their cash department. They informed me that the bank statements weren't enough, so asked for me to get a letter from my bank stating that the payments had cleared. I provided this letter to them and they still haven't fixed my account. A month after my account was sold to them, my payments were raised even though my house insurance went down. When I called about this they didn't have an explanation for me and said someone would get back with me after looking into my account to find out why. This has been going on for over a year now. We have had several investigations opened on our account and they will close the investigation with no contact to us and nothing being corrected. My credit score took a huge hit because they reported that we haven't made payments on our loan even after providing all documents they have requested to prove we have made our payments. On top of them losing the payment, they didn't pay my property taxes last year and we received a letter from our County Treasurer saying a lien was put against our house. They did correct that issue after I had to send in lots of documents proving a lien was put against the house.
01/20/2021	Yes	Mortgage FHA mortgage	Incorrect information on your report Account information incorrect	TX 78245	Web
1. Mid America Mortgage Inc, FHA Mortgage is being reported as deferred ( forbearance due to national disaster/COVID ) payment date not reported for months XX/XX/XXXX XX/XX/XXXX. Account has never been in deferred status. My 3 credit reports ( XXXXXXXX XXXX, and XXXX ) reflect that my monthly payments were {$0.00} for the months of XX/XX/XXXX XX/XX/XXXX ( 6 months ). For the months of XX/XX/XXXX XX/XX/XXXX my credit report payment history reflects No data for this time period. This reporting and deferment were not authorized by me or co-applicant. We contacted the mortgage company and inquired on a deferment due to pandemic, but the terms were not helpful, and we did not pursue a deferment. We did not sign paperwork for a deferment, nor did we provide a verbal approval for deferment or terms of any such deferment. Our credit report is accurately reflecting monthly and on time payments to mortgage account despite $ XXXX monthly payment scheduled. Mortgage company was contacted, and representative confirmed account reflects deferment ; however, monthly payments are being made on the account and confirmed only an inquiry was made in XX/XX/XXXX ; however, no actions to pursue a deferment was requested. Representative requested for account review but can take 5-7 business days. I am currently undergoing a refinance of my mortgage to a lower interest rate ( 2 % ) significantly lower and this inaccurate information on my credit report and that of my spouse is delaying our process. 2. Mid America Mortgage Inc I previously serviced our loan from date of opened account XX/XX/XXXX ; however, it was taken over by Mid America Mortgage Inc, it had reported to credit report account was closed and no payment history reflected from XX/XX/XXXX until roughly XX/XX/XXXX. This inaccurate information significantly lowered our credit rating. a. Telephone call was made to representative and it was returned to active/open account after 60 days, but the report continues to reflect this inaccurate information. Mid America Mortgage Inc payment history has been attached and mortgage statements from XX/XX/XXXX - XX/XX/XXXX to review payments for last 12 months paid on time and no message reflecting deferment on account.
11/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	IN 46235	Web
I have been a XXXX 's XXXX XXXX XXXX holder since XXXX. I have contacted them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding damaging information being reported to my credit report and a reduction of my credit line. Admittedly I was late once this year according to XXXX on XX/XX/XXXX in XXXX. This year I have lost my sister-in-law to a XXXX XXXX, my mom to XXXX XXXX on XX/XX/XXXX, and 9 members of my family have had XXXX. I currently am in XXXX XXXX for XXXX myself. In all of that I have paid my bills to the best of my ability, more than the minimum amount. The reasons she read over the phone for the reduction were lame and couldn't be explained to my satisfaction. She said the amount I was paying was low, but it was always more than the minimum. She said the ration of my payments were low compared my credit limit. She also said my credit score effected their decision. Never mind I have maintained worthy credit with them and everyone else. It was just the inquiries. I explained I felt that what they have done is unjust and unethical. I have had this card since XXXX, with a credit limit of {$5000.00}. I have never owed them more than say {$2000.00}. I understand credit worthiness so I always tried to not maximize more than 1/3 of this limit. Recently they say they sent me a letter explaining this on XX/XX/XXXX, although on today, XX/XX/XXXX, XXXX read the letter because I explained on XX/XX/XXXX I hadn't received it. I was told on XX/XX/XXXX, and XX/XX/XXXX, the letter would be resent to me explaining why my credit limit and went from {$5000.00} to {$1200.00}. They ask now for a minimum payment of {$34.00}. They are damaging my credit score severely. My score was originally damaged because a mortgage servicing broker took from XXXX of this year to XXXX and checked my credit several times to tell me they couldn't do a " streamline '' refinance. Also unjust but I am dealing with this as well. I have asked to have my credit line restored and XXXX told me wait 6 months. A tremendous amount of damage can be done by then I told her. Needless to say, it's not restored nor fixed. Whatever you can do to meditate this would be greatly appreciated. Sincerely, XXXX XXXX
06/09/2022	No	Mortgage FHA mortgage	Trouble during payment process	VA 23227	Web
To Whom It May Concern, It has been made increasingly clear, that the intent of MidAmerica Mortgage is to inflict borrower harm amongst its consumers. As such please take this as my formal notice to file a CFPB complaint regarding the modification handling below. I intend to show clear evidence, Mid America caused irrefutable borrower harm, and ultimately failed to adhere to the guidance provided by FHA/HUD regarding XXXX the servicing of Modification during the Presidentially Declared Disaster. Modification Process Mid Americas Loss Mitigation & Bankruptcy Team negligence contributed to the denial of the modification via : Failing to properly communicate next steps with borrower during the Modification process Failed to apply the trial payments timely Provided inaccurate information regarding the modification status Misapplied payments Failed to properly submit documentation to Bankruptcy attorney during Modification process Failed to bring the loan current during the completion of the modification approved Assessed improper fees to borrower during disaster/XXXX XXXX o Inability to provide itemized breakdown of fees and arrears from borrower and attorney XXXX XXXX Modification Appeal Process Verbal Modification denial received on XX/XX/XXXX. Reason : Failed to make payments in month due. Please see mortgage statements showing payments being received XXXX XXXX XXXX Notice Online Bill Pay- confirming bill pay was set up XX/XX/XXXX XXXX XXXXXXXX XXXX Notice advising payments being submitted and yet not presented for deposit/cash XXXX XXXX XXXX Notices- confirming stop payment issued in conjunction with guidance from Mid America o Mid America misplaced funds , as such I was advised to stop payment and reissue, causing issues with XXXX payment. Please note : I resubmitted the documents XXXX XX/XX/XXXX. Followed up via email XX/XX/XXXX ( allowed XXXXday review ) o Agent was unable to assist as the loan number was a digit off in the subject line, despite all attached information containing the correct loans number. ***Loan has now been sold again in the middle of the modification request submitted in its entirety XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cell : XXXX
02/02/2020	Yes	Mortgage Other type of mortgage	Closing on a mortgage	FL 329XX	Web
A house I purchased on XX/XX/XXXX used a downpayment assistance grant subsidized by the Florida Housing Corporation. The Promissory note states that the Grant, amounting to {$15000.00} is to be forgiven in increments of 20 % on the anniversary of the signing so that on the 5th anniversary the debt is 100 % forgiven. Until the grant is forgiven, it stands as a second lien on the title. If the property is sold or the 1rst loan is abolished for any reason before this 5 year period, the remaining balance must be paid in full upon the 1st liens abolishment. On XX/XX/XXXX, I requested for a refinance of the property along with a payoff statement from the loan handler Mid America Mortgage. They claimed that the second mortgage did not exist. I then proceeded to call the Florida housing corporation ( FHC. ) to see if they still held the debt. It turns out that the loan was originated by XXXX XXXX, but FHC. never assigned the lien to a collector. Upon the realization that they forgot, on XX/XX/XXXX of XXXX an " Assignment of deed of trust '' was issued by FHC to XXXX XXXX. The following day, XX/XX/XXXX XXXX XXXX reassigned the trust to Mid America Mortgage ( MaM. Finally, on XX/XX/XXXX, MaM recognized they owned the trust of the second lien, however they refused to release a payoff statement stating they did not have the proper paperwork and that it was in their special loans department. I called again on XX/XX/XXXX at XXXX XXXX EST where a customer service representative guaranteed the issue had been resolved and that the payoff would be released that day of the following. No Pay off was released in the next 36 hours so on XX/XX/XXXX at XXXX I called again. I requested a supervisor who once again told me that they didn't have the proper paperwork on the trust and couldn't release the payoff. Now I've paid for an appraisal that's expired because these guys cant process their loans correctly. There is no foreseeable end in sight, they keep denying that the paperwork even though they acknowledge public record shows the lien is in their trust. What am I to do and do they owe me a new appraisal for going past the 30-day limit? I can I get out from under this house?
03/29/2018	Yes	Mortgage VA mortgage	Trouble during payment process	TX 78753	Web	Servicemember
This complaint is against Mid America, C/O XXXX XXXX for 8 different RESPA violations under 12 CFR 1024.36c, 1024.36 ( 2 ), ( b ) and or 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) for failure to respond to Qualified Written Request and Notice of Error Mid America Mortgage, C/O XXXX XXXX. Is the Mortgage holder as well as the Mortgage servicer. In XX/XX/XXXX I noticed that the Mortgage company was not reporting our payments to the credit bureau. I have made several Qualified Written Requests in accordance with 12 CFR 1024.36a to Mid America Mortgage , C/O XXXX XXXX. , requesting notes from our service file about the handling of our reaffirmation agreement. XX/XX/XXXX Email to XXXX. XXXX failed to respond within the 5 and 30 business days requirement, Violating 1024.36c, 1024.36 ( 2 ) ( b ) and or 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) XX/XX/XXXX Qualified Written Request sent certified return receipt. XXXX failed to respond within the 5 and 30 business days requirement under. Violating 1024.36c, 1024.36 ( 2 ) ( b ), 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) XX/XX/XXXX Notice of Error sent certified return receipt. XXXX failed to respond within the 5 and 30 business days requirement, violating 1024.36c, 1024.36 ( 2 ) ( b ), 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) XX/XX/XXXXSecond Request for information ( QWR ) sent certified return receipt. XXXX failed to respond within the 5 business days requirement, violating 1024.36c. 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) XX/XX/XXXX Second notice of error sent certified return receipt. XXXX failed to respond within the 5 business days requirement, violating 1024.36c. 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) This is a total of 8 different RESPA violations. Under 12 U.S.C. 2605 [ f ] [ 1 ], 2605 [ f ] [ 3 ]. Since the servicer failed to take one of the required actions within the time limit, under RESPA, as borrowers, we may recover : any actual damages suffered by the borrower, if there is a pattern or practice of servicer noncompliance, additional damages not to exceed {$2000.00}, and attorneys fees and costs.
10/06/2020	Yes	Mortgage Other type of mortgage	Trouble during payment process	OK 74014	Web
I was charged an escrow shortage on my Escrow review period XX/XX/XXXX - XX/XX/XXXX of XXXX through the company XXXX, I paid that shortage in one lump sum on XX/XX/XXXX to avoid having a large monthly payment of XXXX. The payments did go up slightly from XXXX to XXXX, but it was to balance the escrow going forward as this was for a new build home and property taxes were severely under estimated. The loan company continued to try to run the auto-payment for the amount shown on the escrow review as if I didn't make the lump sum payment, XXXX. They eventually resolved the amount taken in my autopay, however they charged me fees for the issue which they stated they would credit off my account, but never did. I called and every time they said they are taken care of, but it would appear on each statement. The company changed from XXXX to XXXX XXXX. XXXX XXXX sent an escrow review on XX/XX/XXXX. The review was wrong right from the start, as it showed my " current payment '' as XXXX, which was the amount from the last review if I didn't make my shortage payment, which as I stated before, I did make that shortage payment in full. It also shows charges for FHA loan and PMI. I do not have an FHA Loan, I have XXXX XXXX Loan. I do not pay traditional PMI, I pay XXXXMI and those payments were set in my amortization schedule I received with my closing documents. The main issue causing the shortage is the difference between PMI I'm being wrongfully charged for XXXX and XXXX MI which was supposed to be XXXX per my amortization schedule. My property taxes also went up slightly XXXX, my homeowner 's hazard insurance with state farm stayed exactly the same. So my shortage should have only been around {$100.00}. I have contacted XXXX XXXX 's customer service who told me the PMI and FHA charges are correct, however I have my loan documents and I not sign for a FHA loan with traditional PMI, my documents specify this is a XXXX XXXX with XXXX. Please review this, I will attach my Escrow review from XXXX XXXX.
01/04/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77385	Web
I purchased a home in XX/XX/XXXX and secured a loan from Mid America Mortgage. I have had continuous payment processing issues since the inception of the loan and have attempted to resolve this issue with the lender numerous times without any success. Today I called and asked to speak to a supervisor and the first agent told me to hold for a supervisor and then hung up on me. When I called back, the next agent refused to let me hold the line so I elected instead to send a complaint. Additionally, I signed up for an XXXX Accelerator Program to make payments on my behalf however, there are still payment processing issues. According to my XX/XX/XXXX statement from Mid America, they are saying I have an outstanding balance of {$4900.00}. Please find below a list of the dates/activities that have occurred as of today : XXXX XX/XX/XXXX - Mortgage Payment Made ( as part of closing ) {$8400.00} XX/XX/XXXX - Payment Reversed {$8400.00} XX/XX/XXXX - Mortgage payment reposted {$8400.00} XXXX XX/XX/XXXX - Mortgage Payment Submitted - {$2300.00} XX/XX/XXXX - Mortgage Payment Reversed - {$2300.00} XXXX XX/XX/XXXX - Mortgage Payment Submitted - {$2300.00} XX/XX/XXXX - Mortgage Payment Submitted - {$2300.00} XX/XX/XXXX - Mortgage Payment Reversed - {$2300.00} XX/XX/XXXX - Signed up for EquityPlus Program XX/XX/XXXX - Canceled ACH Recurring Payment with Mid America XX/XX/XXXX - Equity Plus started withdraws from my account XX/XX/XXXX - Mortgage Payment Made - {$2300.00} XXXX XX/XX/XXXX - Equity Plus sent payment to lender - {$2300.00} + {$10.00} additional principle XX/XX/XXXX - Mid America Reversed the Payment - {$2300.00} & did not show receipt of additional principle ( {$10.00} ) XXXX XX/XX/XXXX - Equity Plus sent payment to lender - {$2300.00} + {$7.00} additional principle XX/XX/XXXX - Mid America shows receipt of payment + additional principle on XX/XX/XXXX statement XXXX XX/XX/XXXX - Equity Plus sent payment to lender - {$2300.00} + {$7.00} additional principle
02/04/2022	Yes	Mortgage FHA mortgage	Trouble during payment process	TX 752XX	Web
On XX/XX/XXXX I made a Principal Payment on my Mortgage in the amount of {$8000.00}. Mid America Mortgage only applied {$7000.00} to my principle payment and will not communicate and is giving me the run around on where is the missing {$990.00} that should have been applied to my mortgage. On XX/XX/XXXX I sent an email ( see attached ) inquiring where is my missing principle payment. I received the following reply by Mid America Mortgage " We have opened a request with our cash department to have the funds reapplied correctly, this should be completed in the next 3 business days. '' On XX/XX/XXXX I sent another email on the status of my request to apply the missing {$990.00} to my loan ( See Attached ). I received the following reply by Mid America Mortgage : " Our records indicate the funds of {$990.00} was applied to unapplied funds. We have opened a request to have those funds applied to your principal. We apologies for the inconvenience of this misapplied payment. '' On XX/XX/XXXX I sent another request to have my principle payment in the amount of {$990.00} applied to my mortgage ( see attached ). I received this response from Mid America Mortgage : " Thank you for your inquiry regarding your loan. Due to the status of the account please contact our Bankruptcy department at XXXX. '' I called the Bankruptcy department and they informed me I had to call customer service. I called the Customer service department and they said they could do nothing and I had to call the Bankruptcy department! I was promised this error would be fixed in two prior responses by mid America mortgage. They have not fixed the issue and now refer me to another department that refers me back to the customer service unit! I am in a circle of hand offs with no one that will fix a problem that Mid America Mortgage created. I am getting the run around and in the meantime {$990.00} is missing as a principle payment to my Mortgage.
05/14/2020	Yes	Mortgage VA mortgage	Trouble during payment process	FL 344XX	Web	Servicemember
We need to get our account corrected by this mortgage company and for you all to find out what you did with the mortgage payment you all took from us but you all are saying we are behind which we are not behind and we need all the late charges credited back to us and if you sent to correction we need you all to correct your mistakes. We have been trying to get this corrected now for months and your company refuses to fix it. We have paid on time for XXXX, paid XXXX, and paid XXXX. They all took XXXX from us and never applied it to our account. We need all late charges payments credited back to us. That is not our fault but your companies fault and we have been told many times that this will be resolved but still nothing have been done to this day ( since XX/XX/XXXX ). If this doesn't get resolved in 1 week. We are completely not statified with this company. The fact that we have sent them proof and 3 months later still nothing. And your company refuses to respond to emails and phone calls. Instead they have taken money from us, put it somewhere and they want us to pay more than we should. We feel like this company is a fraud. We have a VA loan with them, which we will be contacting the VA for assistance in regards to this issue. We have called and emailed more than 50 times with no responses back from this company. Not ethical business practices with a retired XXXX. We have sent all bank statements showing payments were taken : XXXX : paid on XX/XX/XXXX XXXX : paid on XX/XX/XXXX in the amount of XXXX ( to cover both months because you all lost our XXXX check we mailed to you on XX/XX/XXXX so I just ended up paying both on XX/XX/XXXX XXXX '' Paid in full on XX/XX/XXXX in amount if XXXX XXXX : paid XX/XX/XXXX XXXX XXXX : paid XX/XX/XXXX XXXX Attached is all bank statements and we have all emails that we contacted them. Contacted then via phone on several occasions and customer service refuses to help.
01/15/2020	Yes	Mortgage Other type of mortgage	Trouble during payment process	OR 97217	Web
1. ) Our Section 184 mortgage loan was transferred from a 3rd party service ( XXXX ) back to " XXXX XXXX XXXX '' in XX/XX/XXXX. ( XXXX XXXX or XXXX is a subset or DBA of Mid America Mortgage . The link to see this information is XXXX XXXX XXXXXXXX ) 2. ) Despite poor handling of our mortgage by XX/XX/XXXX we had hoped that the transfer to a group that understood what Section 184 loans were would be a good thing. So far things have not gone well. 3. ) I have requested an escrow analysis for XX/XX/XXXX; my next mortgage payment in XX/XX/XXXX will throw my escrow balance beyond the 2 month " cushion '' that is allowed by law. The mortgage lender states that escrow analysis will not occur again until XX/XX/XXXX. 4. ) There is a double withdrawal for the PMI from my escrow on XX/XX/XXXX. I was told over the phone that this was because the original 3rd party service group ( XXXX ) didn't make these PMI payments in XX/XX/XXXX and XXXX of XXXX. I have documentation from both XXXX XXXX XXXX and now our new service group ( XXXX XXXX XXXX ) that shows the payments were made. In my opinion this is an attempt to justify theft ; regardless I have evidence against the contrary. 5. ) XXXX XXXX does not allow anyone to speak with their escrow department. They stated I can email them but emails that go to XXXX have thus far ( since XX/XX/XXXX ) gone unanswered. I received an email on XX/XX/XXXX from XXXX stating that it would be resolved in 48 to 72 hours. This has not happened yet. 6. ) Attempting to contact XXXX XXXX customer service by phone results in wait times exceeding 1 hour every single time. The last time I was able to get someone on the phone they put me on hold and just hung up on me after 15 minutes. It has been a real treat. Regardless the lack of responsiveness is astounding.
12/12/2017	Yes	Mortgage VA mortgage	Trouble during payment process	FL 329XX	Web	Servicemember
Dear CFPB, We have tried endlessly to get this servicer to fix the errors on our mortgage and it is only getting worse. Our mortgage is actually with Mid America and XXXX XXXX is the servicer. Not sure what all these connections mean I only know that I pay my mortgage through XXXX XXXX but my mortgage is with MidAmerica. Meanwhile my mortgage all year long was {XXXX} never missed a payment. Then in XXXX they claim escrow was short and bumped the payment up to XXXX. The problem with that was at the refi last year the homeowner insurance office and the property tax office received a double payment in error from the mortgage transaction of refinancing and instead of them returning the extra money they put it in a suspense account for half of the year and then decided not to return it at all instead they put it on the principal mortgage owed which caused the escrow account to be short for the upcoming year. After it was short they turned around and charged us for the escrow. Now our house payment has increased and we are being charged exuberant amounts for mortgage due and to repay escrow. We ca n't even figure out what exactly is our mortgage payments anymore. We have been given three different amounts in one week from customer service. When you go online to look at the payment history it 's filled with so many misapplications and errors and changes that the average consumer ca n't figure out what the correct amount is that is due. I had a mortgage with a set payment and they broke the contract with all these misapplications and erroneous due payments. Could someone please assist us and tell us what is due and what is going on with this mortgage. I have never seen anything like this. I am a veteran and I appreciate any help you could offer. Thanks for your time.
01/04/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	OH 44256	Web
I was approved a for a trial modification with Mid America mortgage on XX/XX/XXXX ( see attached documents ) I agreed to the terms and made all payments as required to do so on this 3 month trial modification. After making the 3rd payment as stated on the agreement Mid America Mortgage was to send out the permanent loan modification documents which had to be signed and notarized. In XXXX of XXXX after making my last trial payment I called Mid America several times to ask about the finalized documents and they stated they where working on the documents. It took Mid America mortgage almost 18 months to get the documents out to me. Once I received them I notarized and returned them using Mid Americas prepaid Fed envelope. When Mid America received them they advised me they needed my Ex XXXX to sign the documents as well, I advised Mid America XXXX my ex is not on the loan and is not on title she should have to sign them since I am the only one on the loan and title. So because of this Mid America did not accept my documents and had me resign them, this took a few months to get the documents out to me, once I received the new package my ex XXXX and I signed the documents and Fed ex them once again to Mid America, ( Tracking # XXXX ) TRACKING NUMBER DELIVERY XX/XX/XXXX at XXXX XXXX ) after I calling them weekly for document acknowledgment, they claim to have lost them. Now they wont allow me to reapply and have set a foreclosure on my home for XX/XX/XXXX and refuse to stop it even though I complied with the 3 payments as directed and even continued for over 18 months with no closure on there end. I have attached all documents showing proof of my complaint. We also submitted for help in XXXX but Mid America mortgage refuses to acknowledge the documents I sent them
04/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	OR 970XX	Web
I was in the middle of refinancing my home and waiting for XXXX taxes to hand over paperwork when I discovered that XX/XX/XXXX when my mortgage changed who was handling our billing process stopped reporting to any of the credit bureaus. Not XXXX payment has been late. All payments processed monthly. The credit reports show my mortgage was paid off and closed due to the forced change to who handles the billing process in XX/XX/XXXX. That was reason company said the change was happening for. From XX/XX/XXXX to current no data is reporting even though I still have a mortgage with them but they changed from XXXX XXXX to Mid America Mortgage Inc. They are required by law to report this information. My credit score decreased by over 100 pts due to this and now I am unable to refinance. The change to refinance was saving me {$500.00} a month. That is a huge necessary change I needed to do to help offset my business expenses to keep us floating while we are dealing with Corona Virus and financial strain. Not to mention having my score lower decreases other loan changes I may need to do. I have contacted the company 5 times and asked for a supervisor. Every time told they would escalate it but I have never received any response. I get that less people are working but this has been since XXXX. My doors to my office are closed but I am still required to work by XXXX just like the mortgage company is doing. There is no excuse that I am not getting a response. Not only do they need to correct this on all credit bureaus but I want to know how they fix that score that took a huge drop due to their paperwork mistake. The loan is under my name as primary and my mothers name as secondary. Both names need to report on our credit just like the loan has in the past with them.
05/28/2021	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	OH 454XX	Web
On XXXX, Mid America my mortgage servicer levied new debt to my mortgage balance. The servicer increased my mortgage debt to {$100000.00} an increase of {$6700.00}. My statement balance for XXXX is attached - {$96000.00} Mid America never contacted me regarding the new debt. Mid America reported the new debt to the national credit reporting agencies and pursued collection. The actions of my mortgage servicer caused serious financial injury and undue hardship for me and my family. The new debt precluded me from accessing the interest terms that I was entitled to. Since Mid America made no effort to contact me, the debt popped up in the middle of refinancing our family home. Mid America violated the Fair Debt Collections Practices Act previously on XXXX. I tried at that time to resolve their reporting errors directly with the servicer, also to no avail. However, Mid America did respond to the CFPB on XXXX after they received notice of my complaint XXXX # XXXX XXXX. Their response explained their corrections and confirmed adjustments submitted to the credit reporting agencies. That was my initial request. This complaint is for changing the legal status of my mortgage debt on XXXX, failing to contact me, and pursuing the collection of a false debt. This debt prevented me from closing on my new mortgage refinance with a new bank with more favorable terms. I had to accept the interest terms with the false debt attached to my credit file as valid and due, or lose all my fees and miss my closing date in the middle of my new refinance. Mid America damaged my creditworthiness, again, to potential lenders when refinancing my home mortgage.
01/30/2020	Yes	Mortgage VA mortgage	Trouble during payment process	NC 283XX	Web	Servicemember
My loan was transferred to a new company ( Mid America Mortgage ) last XXXX and Payments that I had already made to the previous loan servicer for XXXX and XXXX ( XXXX ) were taken out of my bank account, but not applied to my mortgage. Since then, the new company is stating that I am delinquent on my account and will not allow me to make on-line payments or take a payment over the phone, however payments I have mailed for XXXX and XXXX have not been cashed. They are stating it's my responsibility to provide that I have paid them before they will " move any farther '' on my account. I have provided bank statements for XXXX and XXXX showing the payments taken out of my bank account, but there is no way to " prove '' that I sent the XXXX and XXXX payments other than copy of my check register. I have tried to call them multiple times over the past two months, but wait on hold for excess of 2 hours being told I am " 10th in que '' ( for two hours ) or " next in que '' for over an hour, then the call is disconnected. When I select the " schedule a call back, and you will not lose your place in line '' option, no one ever calls back. A representative from the company called me today to tell me I was four months behind on payment, and when I offered to pay it all on the phone, he said he " could not do that until this is resolved. '' When I offered that paying it would " resolve it, '' he stated he could not do that, and I needed to email them " proof '' that I have made my payments. I am concerned that this will eventually lead to them trying to foreclose on my home, despite me trying multiple ways to pay my monthly mortgage.
04/08/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 76017	Web
Beginning with my XXXX payment ( they bought loan in XXXX ), they stated I did not make the payment and I provided them with the proof of payment. They advised that the loan number was wrong, however, I copied it from the letter they sent. They also stated they would remove the late fee of {$49.00} which does not show to be removed as of this writing. I reported them to the XXXX and they advised the XXXX they removed the payment on XX/XX/2020. I spoke with a representative again shortly after I changed homeowners policies because my escrow went into the negative. The representative advised that since the tax disbursement ( which they paid 3 months late ) and the homeowners were recently paid, he stated that I would be able to catch the escrow " back up '' with no changes to my payment or account. On XX/XX/2020 they made 2 disbursement payments for {$140.00} and the history showed - {$140.00} insurance disbursement and then - {$140.00} escrow. If this was applied to escrow, why the negative notation? Also, 2 payments for the same amount on the same day, they couldn't explain. These disbursements were prior to changing my homeowners policy. Then on XX/XX/2020 the same : - {$140.00} insurance disbursement ; - {$140.00} escrow. The representative could not explain what these were or where the money was applied. Additionally, my payment went up {$110.00}, even after the last representative assured me it would not. Their website does not show where funds are applied or deducted just simple notations with no explanations. I have had to call regarding problems every month for the last 4 months.
05/19/2020	Yes	Mortgage VA mortgage	Struggling to pay mortgage	GA 31324	Web	Servicemember
I currently have a VA Housing loan that was sold to Mid America Mortgage , Inc. in XX/XX/XXXX. It is a rental property and due to the COVID-19 crisis the current tenant has not paid the rent ( which is used to pay the mortgage ) in two months. I have been able to cover this payment until recently. I bought this property while I was in the XXXX right before the housing market crashed in XXXX/XXXX, the XXXX transferred me so I had to move, and still owe more than what its worth which is the reason I have to rent it. Due to COVID-19 protection and the CARES act I can not evict this tenant. The local magistrate will not start eviction proceedings until at least XX/XX/XXXX. I called this Mid America Mortgage lender for forbearance under the CARES Act, and the said that they can differ payments up to 90 days but at the end of the 90 day Forbearance period the entire out standing balance is due. They said that since this is a VA Loan they will NOT renegotiate loan terms to add the time during the Forbearance period to the end of the loan and that any loan renegotiations will have to be done at the end of the Forbearance period. They Specifically stated that the best way to proceed is to NOT make my Mortgage payments then TRY to renegotiate at the end of the Forbearance period. They also said that they could not send me this guidance in writing. All Im trying to do with this company is renegotiate the terms of my loan based on COVID-19 hardships and the CARES Act which was enacted to help. I find it concerning as a XXXX XXXX and XXXX Veteran that the company would not assist me.
05/11/2020	Yes	Mortgage VA mortgage	Trouble during payment process	GA 30115	Web	Older American, Servicemember
Hi : I am having problems with Mid American Mortgage Company. I received a letter from them dated XX/XX/2020 stating that I have an escrow overage of {$2400.00} and that I would be receiving a check for this amount within 30 days of that letter ( I assume the overage is because I got a applied for a property tax break some time ago due to my age ). In any case, I have not received the check. I have been in touch with people several times on the phone and recently with no results - even though they say they will do something about it ( see the attached letter that I never sent because I am giving up on trying to communicate with these people myself ). I even asked them to call me to let me know if there were any problems - if they were unable to send the money but I go no call. About three days ago, I emailed the escrow department. When I have gone back to look for a response, there is no response - In addition, I can not even see the email I sent! In any case, I am current on my mortgage payments and have not had any problem with that. I am attaching my escrow statement which has the amount that they are supposed to send to me in addition to the notation on the bottom that the money would be sent within 30 days. It is now going on two and 1/2 months and I am getting terribly frustrated with these people. I understand that covid is out there but we still have to pay our bills. I am hoping that you can help me out. If you are unable to help me, please let me know what I need to do. This has been a terrible experience. Thank You, XXXX
07/20/2022	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	LA 705XX	Web
We entered into Loss Mitigation with our Mortgage company. Our documents were due on XX/XX/XXXX. We overnighted all documents and have proof of receipt. We never heard back from the mortgage company about receiving any documents so on XX/XX/XXXX we called to make sure everything was done. We were initially told that they received nothing and they sent us a declined letter on XX/XX/XXXX we pointed out that we had a signature that our paperwork was received. After putting us on hold they found who signed for the paperwork, said they must have put it somewhere and assured us they were going to get everything in order, let us know if they needed any additional information within 3-5 days, then a decision would be made within 30 days. On XX/XX/XXXX after not hearing anything for over 60 days we made contact to get some sort of an update. We waited until XXXX in the XXXX for someone with the loss mitigation team to reach us and mid call, the worker hung up and never reached back. When we tried to call back we were told the loss mitigation team was gone for the day and they would return our call.. the representative we talked to also told us that in the system the paperwork looks like it was never received, the only thing in there was the declination from XX/XX/XXXX and we will have to start the entire process over with new documents and information. We sent them over 150 pages of information that they needed and they neglected to do their end. Its the afternoon of XX/XX/XXXX and we have still yet to hear from anyone.
04/01/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	TX 76137	Web
On XX/XX/XXXX I discovered that my lender had increase my monthly mortgage payment without sending me any notice or explanation of the charges. Today XX/XX/XXXX I called and spent over two hours attempting to resolve this matter. I initially spoke to a representative name XXXX ID XXXX who confirmed that there was increase however he was unable to verify exactly what the increase was for and informed me there may have been some errors. XXXX explained to me that he would be sending a request to his escrow department for review. I was not confident that this would be done because there was still no explanation of the charges so requested to speak to a supervisor. I was then transferred to a gentlemen name XXXX agent ID XXXX who immediately told me there was no error without reviewing my account. This was extremely frustrating so I requested to speak to his supervisor which he said was XXXX XXXX and that she was unavailable. I then called back in to verify that at least a request was being sent to escrow and spoke to another associate name XXXX who gave an agent ID of XXXX. The customer service I received was absolutely horrendous! No one could explain reasonably with a break down of where the charges occurred after the previous representative confirmed there may have been an error. I finally spoke to XXXX who was the supervisor and I'm still in disbelief that she's an actual supervisor. I will be filing a separate complaint and requesting the telephone calls to be pulled regarding the customer service received.
01/25/2022	Yes	Mortgage FHA mortgage	Incorrect information on your report Account information incorrect	CO 807XX	Web
Loan XXXX with Mid America Mortgage was modified XX/XX/2019, but my monthly statements never reflected the modification or showed me current ( and yes I was making my payments ) until the loan was transferred and sat on for 4 months. Loan balance at the time of modification was {$130000.00}. with a maturity date of XXXX/2047 this was reflected on XX/XX/2019 statement. On XX/XX/2019 statement my monthly payment as well as a payment amount of {$25000.00} was shown in my unapplied balance. Neither amount was posted so I was still showing past due. I called the servicing company and asked why this was and was told they were working on my loan so I continued making payments over the phone. Then my loan transferred to XXXX XXXX XXXX loan # XXXX and I finally received a statement in XXXX after not receiving XXXX. I was upset to see that the program made to help XXXX XXXX came at such a huge cost. My new statement still showed me past due with additional fees added that came from the previous servicer according to XXXX XXXX. Well after 2 years of phone calls and life changing events I was able to bring my account current and hoped they would take me seriously and correct all the months of fees and interest that accrued in error. And post my payments correctly so my statements are understandable. I have sent several requests and made more phone calls and have gotten no response. MidAmerica Mortgage operates under several names and seems to change servicers following a modification or charging you huge fees.
01/16/2021	Yes	Mortgage FHA mortgage	Incorrect information on your report Account status incorrect	CA 95823	Web
Hello, In XXXX I was laid off due to COVID-19 pandemic. I reached out to my mortgage company, Mid America Mortgage Inc. Dba . XXXX XXXX XXXX, and they advised they could place me on a forbearance. They advised it will not affect my credit and will be in affect until XXXX. When it got close to XXXX they reached out to me to see if I was working. I advised I wasn't so, they extended my forbearance. In XXXX, I finally was able to start working again. Mid America Mortgage Inc. reached out to me again to see if I was working yet, I advised I was. They offered to do a deferment for the time I was on forbearance, so I would not have to stress about paying the large sum back. I signed the paperwork for the deferment and thought everything was going to be ok going forward. On XX/XX/XXXX ( Saturday ) I received an alert from XXXX stating my credit score dropped by 28 points because Mid Mortgage Inc. reported me 180 days past due ( Attached is screenshots ). I contacted Mid America Mortgage Inc. by phone on XX/XX/XXXX ( Monday ) and was advised to send an email which I did ( Attached is our email communication ). I finally received a final response XX/XX/XXXX stating they reported correctly to the credit bureaus. Per our phone conversation with Mid America Mortgage Inc. back in XXXX and per HUD, being impacted by COVID-19 should not affect my credit report. Well, it did affect my credit report negatively. I've attached copies of my credit report for XXXX and XXXX. Please help resolve this.
02/02/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	AK 99504	Web
MidAmerica mortgage is my servicer for my mortgage. They charge a fee for paying online that begins on the XX/XX/XXXX and the fee goes up the closer to the XX/XX/XXXX you make your payment. Due to this I mail my mortgage payment to them as I dont want to be charged {$4.00} plus for online payments. In XX/XX/XXXX I mailed my payment and didnt see the check clear. I emailed the XX/XX/XXXX as I didnt want to incur a late fee. To date I have not gotten a response. The check cleared my bank account on XX/XX/XXXX. The back of the check says their bank ( XXXX XXXX ) received the check on XX/XX/XXXX. MidAmerica did not post my mortgage payment to my account, according to my online account, on XX/XX/XXXX. I received a delinquent notice today ( XX/XX/XXXX ) that shows I have a late payment of {$41.00} due. Also today I received my mortgage coupon that shows I owe two payments for a total of {$2500.00}, which also includes the late fee. This is not the first time they have not posted my payment on the day they actually received it but this is the first time they have tried charging me a late fee. If their bank received my check on the XX/XX/XXXX I shouldnt be charged the late fee as I have until then according to every mortgage payment I have received from them. The first attachment is where they show the payment being applied on XX/XX/XXXX and the second attachment shows the back of the check with a date received of XX/XX/XXXX.
02/28/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	TX 77845	Web
XX/XX/XXXX, 2018-Called and spoke to customer service regarding PMI cancellation. I asked why PMI had not yet been cancelled. From what I understood, I had met the requirements. Young man was unsure why it had not been cancelled but agreed I had met the loan-to-value requirement. Offered to put in a request to cancel. I was instructed to call back after XX/XX/XXXX to ensure cancellation. XXXX XXXX-Since it was a Sunday, I submitted a request online to the Escrow Department for confirmation that my PMI had been cancelled. Other than an auto-response confirming receipt, I received no response. XXXX XXXX-I spoke on the phone with a customer service representative in the Escrow Department. I informed him that I had received a written notice that my mortgage insurance had been cancelled, but my account still showed disbursements occurring. He informed me that the PMI department did not take calls directly, but he would put in a request for them to reach out to me. I was informed that the projected completion date for my inquiry would be XX/XX/XXXX. I have not heard from the company since. I've been told that the PMI department does not speak to anyone directly when I've called customer service and no one can answer my question about why my PMI continued to be dispersed from my loan payments after it should have been cancelled. Each call to customer service requires a lengthy wait on hold just to speak to anyone.
09/16/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	RI 02904	Web
I was notified on XX/XX/XXXX by mail that my escrow account is in the negative and i owed them {$5300.00} also my mortgage would be going up starting XX/XX/XXXX. I called starting on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX several times to get a explanation on why my account is in the negative and i was told several different things by 2 different supervisors but no one was completely sure, they asked me to send an email to your department at that time i refused because i wanted to talk to someone in person about this matter, i was then told by both supervisors that my concerns were escalated to the escrow department and someone would be contacting me within 5 business days. Today is XX/XX/XXXX and i have not received a answer yet on why my escrow account is in the negative. Today is XX/XX/XXXX and no one has emailed or called me. I was promised by 2 female supervisors and one male supervisor named XXXX that they would personaly call me back and no one has contacted me at all. I will be sending additional complaints to the necessary over seeing authorities. Because they mismanage servicing and are very evasive to their customers by not returning calls with concerns about what they sent to you and not allowing you to speak directly to the necessary department you call them for, And as i looked at complaints on many websites this issue has been going on for a long time.
09/06/2021	Yes	Mortgage VA mortgage	Trouble during payment process	CA 94928	Web	Servicemember
We began receiving notifications in the mail in XX/XX/2021 that we were in default on our mortgage with Mid America. When I checked our payment history on the mortgage website, I noticed that our payment for XX/XX/2021 was not listed. I checked our bank account ( we have our mortgage payments set up on Bill Pay with XXXX XXXX ), and the XXXX payment was indeed sent ( albeit late ). I sent an email to the mortgage company on XX/XX/2021, with a screenshot of our bank transactions showing that the XXXX payment had been deducted from our account. The mortgage company responded and asked for our bank statement, which I sent to them the next day ( XX/XX/2021 ). After ZERO response from Mid America, other than continued letters of default, we called Mid America on XX/XX/2021. We explained the situation, and they found the statement I had sent back in XXXX, but they needed more info from the bank. So I called XXXX XXXX immediately and got the transaction number and the date the check was cashed for the XXXX mortgage payment. I immediately called Mid America back and gave them the information, and I was told they would get back to me within 2 business days. We have heard NOTHING from them, and it is now almost a month later. Our account is still showing that we are a month behind on our mortgage payments, and consequently, our credit scores have been severely affected.
04/06/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 76227	Web
My Mortgage company, Mid America Mortgage, has refused to comply with the basic requirements of the CARES Act which allows homeowners facing difficulties because of COVID-19 to get a 180 day forbearance from paying the monthly mortgage premium. It enjoins the mortgage servicing company not to charge any late fees or report the lateness to a credit bureau. It even gives room for a further 180 day extension or any other further assistance. When contacted Mid America Mortgage last week, I could not get a representative. When I finally got through this morning, I was advised by a representative, XXXX, that they can only commit to no late fees and credit reporting for the period, but that I must still make a payment during the period. Also, that the entire amount for the 180 days will be due at the end of the 180 days if no payment is made. In addition, she directed me to the website to download and send a Loss Mitigation form with supporting documents in order to secure approval for any forbearance.She used the term, " informal forbearance ''. found that strange and contrary to the CARES Act. It is illegal to have a mortgage servicing company violate an Act of Congress even in this trying period. The palliative offered by the Federal Government is being made impossible by this lender. We hereby file this formal complaint against them as a result.
01/29/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	CA 952XX	Web	Older American
Our loan is managed by XXXX XXXX XXXX upon receiving our XX/XX/XXXX statement our payment was raised from {$1400.00} to {$1900.00} I contacted them and was told that I had a shortage in my Escrow impound.. I was never sent any notice that a shortage had developed something they were aware of starting at the end of XXXX. I asked if this could be paid over 24 months instead of 12 because a XXXX increase would cause me a financial hardship. They denied my request based on my ability to pay the extra XXXX. I feel they should work with me because they should have made an adjustment in my impound account a year ago and sent me notification. I found out about the increase in monthly payment when I looked into refinancing and was told my current monthly payment was listed at {$1900.00} In the past I always received notification and an opportunity to catch up my impound and there would be no shortage. I have requested 3 times for information from XXXX XXXX and have received nothing. I believe my request to spread out this shortage over 24 months is fair but they are playing hard ball with me. With the current economic conditions caused by the XXXX lock downs you think they would work with people. When XXXX XXXX took over processing of our loan didn't know they were a collection agency and not a Mortgage Company
04/01/2020	Yes	Mortgage FHA mortgage	Closing on a mortgage	TX 762XX	Web
We closed our mortgage with Mid America Mortgage , Inc. ( Loan # XXXX ) on XX/XX/20 as we sold to another buyer. We had an escrow balance due for refund of {$3000.00} and still have not received as of XX/XX/20. Per CFPB rule 1024.34, b ( 1 ), the servicer SHALL return to the borrower any amounts remaining in the escrow account within 20 business days ( exlcuding Saturdays/Sundays/holidays ). Based on my pay-off date, 20 business days would be XX/XX/20. As of XX/XX/20 ( today ), it is the 45th business day and we still have not received the refund. I have called ( XXXX ) XXXX ( Mid America Mortgage Customer Service ) about 8 times to check on the status of my refund. I was initially told that a check is normally sent for escrow refunds, but there was a problem with the check servicing company. As a result, they said the refund would be sent via bank draft and at that time took my checking account information. I have spoken to a supervisor multiple times, emails have been sent back and forth between customer service and the escrow department, and nothing has been resolved. I am looking to resolve this matter as I know that I am not the only person that is having this issue as a customer service representative blatantly expressed that I was not the only customer experiencing this issue.
06/01/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77062	Web
My original mortgage was sold to another company - Mid America Mortgage. My taxes were assessed and my escrow amount increased. I paid the amount in full in order to avoid an increase in my monthly mortgage note. The company did not apply the amount to my escrow. This has been 2 years of a battle, I call at least once a month. I speak to multiple different employees, supervisors, etc. I have been promised the error has been corrected. However, since then - my insurance was not paid out of my escrow - as was originally set up. And each month, I get charged for late fees and past due amounts. Even though I have paid every month on autodraft from my bank, have always paid each month in full or over, have paid my escrow in full. I have been promised each month this would be corrected. It has not been corrected. I attempted to refinance with a different company, however due to mid americas error, it looks as if I am in poor standing on my mortgage. but I have paid every single month. one representative even admitted there was no incentive to correct the problem because I would refinance with another company. I have never had this issue with any mortgage company before. I am infuriated that I pay my bills - in full and on time - and their error reflects poorly only on my end.
02/23/2021	Yes	Mortgage FHA mortgage	Incorrect information on your report Account status incorrect	MI 48182	Web
I initially asked for loan modification in XX/XX/XXXX as my monthly mortgage payments were rising due to escrow balance shortage approx. {$100.00} in 2 years. I called them in XX/XX/XXXX and talked to the Loss Mitigation Dept. regarding the conditions of the trial payment period for the loan modification primarily information I received via letter. The letter stated it started trial would begin in XX/XX/XXXX and I asked what about the XXXX payment as I was not late and wanted no issues with being late. I was told to start with the XX/XX/XXXX payment per the letter. I made each payment and called each month once the late letters started. I told each CS rep in Loss Mitigation I did not want any issues with payments being late or I would have made XX/XX/XXXX payment.This went on monthly until XX/XX/XXXX. Never when I asked, was I told about I was late and I would have 8 late payments applied to my credit or I would have made XX/XX/XXXX payment. This company needs to pull all recorded conversatons for XXXX to review. I also want a copy as they are deliberately not addressing the real issue. Misinformstion to a client by their Loss Mitigation Dept .Why did this Dept not inform me to make the XX/XX/XXXX payment when I first asked over the phone for clarification
04/25/2018	Yes	Mortgage VA mortgage	Trouble during payment process	CA 90660	Web	Servicemember
My mortgage is through MidAmerica, but serviced by XXXX. Recently, they sent us a letter stating that they were increasing our escrow portion of the monthly payment by over {$150.00}!! This happened because our property taxes increased and there was a shortage upon paying the property tax of {$390.00}. Upon my learning of this shortage, I immediately paid XXXX the {$390.00}, the same day that I received their letter. I have been trying to call them t discuss this issue. The amount the property tax increased comes to no more than an additional {$35.00} per month, so why are they asking for {$150.00} more per month. When I call XXXX they say to email them. Which I did. I requested that we close the escrow account so I can pay property tax and insurance myself. They sent a letter stating that they could not close the escrow account because our loan to value was more than 80 %. They were basing that off of the purchase price of the home! Our current loan amount is {$290000.00} and our home is worth at least {$560000.00}. Ive tried calling several times, only to be on hold for anywhere from 30 to 120 minutes, with no one ever answering. I simply can not afford to pay an additional {$150.00} per month and need to speak to a live person about it. Please help me.
08/22/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 27284	Web	Servicemember
I had a house fire back in XXXX. I am with Mid America mortgage company based in Texas. I hired a contractor to do the repairs and so far he has only received one payment out of three requested from this Mortgage Company. My insurance company has paid out to this Mortgage Company all the funds for the repairs. But my contractor has been trying since XXXX to get a second and now a third draw for this money that is owed him. Now, since this mortgage company has not paid, my contractor has stopped working on my house. it has been 3 weeks with nothing further getting done. Last inspection put us at 95 % complete, but he can not finish because this bank will not pay him. Now my insurance company is saying that they no longer can keep me in my rental house past XXXX because ample enough time has been provided for repairs and the bank delaying payment is not a good enough excuse to continue rental lodging. So now we are going to have to find another place to live at our own expense because Mid America mortgage hasnt paid my {$65000.00} contractor in months. This is a really poor bank process and I do not know why they are delaying funds to my contractor. I don't know how else to complain about this to make them pay any help would be appreciated thank you
05/13/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 750XX	Web
In XX/XX/2021 I did a 12 month COVID 19 Forbearance with Mid-America Mortgage. They assured me through the CARES Act that it would not report negatively on my credit. At the end of it I chose an option, allowed to me as a XXXX XXXX loan, to do a streamline modification. They tried to force me into other options by sending me the wrong docs, and I finally got them to do the streamline. They told me that their policy is to have me pay 3 payments and that after that it will be streamlined. I just made my third payment, and got a notification from XXXX that there has been a massive change to my credit score. They reported me as missing 12 payments totaling over {$33000.00}. It dropped my credit score from the XXXX to XXXX. I reported it to them and they told me they would put it under review and it could take up to 45 days if they were to fix it. That was last week. As of today they reported me late again. My understanding of the Cares act is this should not be reported as delinquent unless I defaulted on the loan after the forbearance was done. To this day, I can not make payments online. They still have me marked as in a loss mitigation and I have to make payments by calling them.
11/08/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 28205	Web
I received a call from Midamerica Mortgage a few days ago informing me that my homeowner 's insurance had been cancelled due to nonpayment in XX/XX/XXXX. I was informed by Midamerica mortgage that the insurance was not paid back in XX/XX/XXXX because the documentation provided to Midamerica mortgage stated that payment was due XX/XX/XXXX. However, my insurance provider ( XXXX ) has said that all documentation shows a due date of XX/XX/XXXX. XXXX indicated a new policy could be underwritten, however it would be more expensive as the original policy was written in XXXX. I was later informed after many phone calls that no such documentation showing a due date of XX/XX/XXXX exists, and that the mistake was made by Midamerica Mortgage. The escrow department ( only reachable by email ) insists it has an obligation to pay the difference in old and new policies for this year ONLY. I do not find this acceptable considering their mistake will have knock-on effects for the entire time I own the home. It's honestly unbelievable that they neglected to pay the insurance on time and let my property go uninsured for a full 2+ months. What if my house had burned down in that time?
07/29/2021	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	TX 77571	Web
In XXXX, my wife and I went through a messy separation and we split so I vacated the home and she stayed. She did not make any payments on the loan allowing it to go further and further into default. Due to domestic issues, I was not able to move back into the home to reinstate the loan or complete a loan modification. My wife vacated the home last year, leaving it to foreclose and I have been trying to rectify the default since. I have submitted a complete short sale packet, all documents required of me have been sent to the mortgage servicer. They agreed to postpone a foreclosure that was previously scheduled since I submitted documents but they still have the short sale under review and they still have an auction date for XX/XX/XXXX scheduled which is unfair to me since I did everything that was needed. They have deemed the short sale packet completed so all that is needed is additional time to be able to close out the sale. I am still suffering financially due to my separation and desperately want to avoid a foreclosure that will only put me further in the hole. Please assist me with getting in contact with my servicer to help me get this auction stopped.
05/04/2022	No	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	IL 60431	Web
On XX/XX/2022 we received a pre-approval from XXXXXXXX XXXX XXXXXXXX # XXXX to purchase a home in Minnesota. Interest rate at 4.125 % XXXX fixed with no points. On XX/XX/XXXX we sent them an executed contract for a home we are purchasing. In an online exchage on XX/XX/XXXX XXXX XXXX told us there was no expiration on the approval. On XX/XX/XXXX we reached out again to ask a question about closing and interest rates and were told by XXXX he would get back to us. On Monday XX/XX/XXXX we received a voicemail from XXXX XXXX informing us they were indeed not licensed in Minnesota to do loans and that we were basically out of luck as far as them being able to service the loan. We already have executed contracts and purchase agreements to buy this home and are left to scramble to secure new financing and not be in violation of the contract. We have been lied to since day XXXX about their ability to service this loan. They have mislead not only us but the seller and their agents. This will cost us thousands of dollars in interest rates based on the new rates we will be forced to take since this preapproval was never legal and the rates were not locked in.
07/02/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	TX 76017	Web
My loan was paid off XX/XX/2020 and when refunding my escrow they deducted an additional PMI payment for XXXX. As per my previous complaint, by their very response the XX/XX/2020 double payment covered XXXX and XXXX. The other PMI payments were as follows : XX/XX/2020 for XXXX, XX/XX/2020 for XXXX and XX/XX/2020 for XXXX. As with previous complaint in addition to this one, I have requested a full audit of my escrow account, they only provided through XXXX and it was in a statement form. Additionally, they answered in an email without documentation. On XX/XX/2020 I requested information on why there was a XXXX PMI disbursement when the loan was paid off in XXXX. Finally, on XX/XX/2020 they responded with a document date XX/XX/2020 which does not account for XXXX whatsoever. I also requested a full accounting of my entire mortgage payments etc and those requests have been ignored. The account was paid in XXXX, they can and should provide a full escrow accounting through the end of the account. Lastly, they now state that PMI is paid in arrears. This was never disclosed and there have been many questions and email which they barely, if at all, answer.
01/02/2019	Yes	Mortgage VA mortgage	Trouble during payment process	NC 283XX	Web	Servicemember
My home was damaged during Hurricane Florence. My mortgage company servicer XXXX decided to progress monitor my claim. This required me to endorse all checks to them. After finally getting the insurance company to approve the damages and finding a contractor that was willingly to work with me and meet the requirements that the mortgage company servicer set forth, the work began on my house XX/XX/XXXX. The mortgage company servicer stated that before work began I would be sent 25 % of funds to pay the contractor. An additional 25 % would be paid when the contractor was at 50 % completion of repairs and the remaining 50 % when the work was completed. I requested the inspector to come out to inspect the property on XX/XX/XXXX. Per there policy the inspector was to contact me with 6 days. It is now XX/XX/XXXX and I havent heard from the inspector. Whenever I call XXXX requesting an update they put me on hold for extensive times and tell me they sent it to the escalation department. I didn't receive the full 25 % up front. Of the XXXX they are holding I have received only {$2000.00}. The contractor is waiting on funds and the repairs are 100 % complete.
02/07/2022	Yes	Mortgage VA mortgage	Trouble during payment process	UT 84096	Web	Servicemember
Mid-American Mortgage company required people to send in checks. They were sent in on time, they were not cashed in a timely manner, and when they were cashed, their automated system had already added late fees. XXXX is correctly updated after many hours of phone calls, but XXXX and XXXX was not. Here are the checks that I sent in XXXX : Date : XX/XX/XXXX Amount : {$1500.00} XXXX : Date : XX/XX/XXXX Amount : {$1500.00} XXXX : Date : XX/XX/XXXX Amount : {$1500.00} XXXX : Date : XX/XX/XXXX Amount : {$1500.00} XXXX : Date : XX/XX/XXXX Amount : {$1500.00} XXXX : Date : XX/XX/XXXX Amount : {$1500.00} XXXX : Date : XX/XX/XXXX Amount : {$1500.00} : XXXX XXXX, but have bank statement XXXX : Wire transfer Texas XXXX XXXX XXXX XXXX Amount : {$1500.00} We closed the house in XX/XX/XXXX, but they charged me for that month as well and will not remove it. The issue has been me trying to get into rent or a home and their inability to update reports, make me jump through a long drawn out process ( prove to us you paid us ) and their departments lack of desire because the account is paid off and closed. Is now hurting my ability to move forward.
04/14/2020	Yes	Mortgage FHA mortgage	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43537	Web
My mortgage was purchased from XXXX XXXX XXXX by Mid America Mortgage XXXX. XXXX XXXX XXXX, TX XXXX on XX/XX/XXXX. I have made numerous phone calls asking Mid America Mortgage why my mortgage with them is not reporting to the credit bureau. They have told me over and over again since the middle of XX/XX/XXXX that it will be next week. I spoke with XXXX, Manager ID # XXXX on XX/XX/XXXX and she stated they are running their test data and she is hopeful they will have the reporting in by XX/XX/XXXX with all data supporting payment history back to XX/XX/XXXX. She stated they are required to have this completed by XX/XX/XXXX or they will not be able to update the credit bureau and my credit rating. Since my mortgage is no longer on my credit report my credit score has dropped by over 100 points. I have damages associated with Mid America 's inability to perform their tasks as they should based upon the Fair Credit Act. I am very did-satisfied with Mid America Mortgage and expect them to report my credit history immediately and I in turn expect to be compensated for the damages I have incurred due to the reduction in my credit score.
03/21/2020	Yes	Mortgage VA mortgage	Applying for a mortgage or refinancing an existing mortgage	MI 48382	Web	Servicemember
I've refinanced my VA mortgage. The old lender, MidAmerica Mortgage, has been paid in full, and there is a surplus Escrow amount of {$2000.00}. The loan was paid in full on XX/XX/2020, and this, along with the Escrow surplus is indicated on the website. I've contacted MidAmerica mortgage multiple times ( 3 calls to their Customer Service Center, @ XXXX XXXX XXXX regarding the status of the Escrow refund, the fact I haven't received the refund check via US Mail, and the fact that the refund is due no more than 30 days after the loan has been fully paid. I've been given 3 different stories ... each alleging they have processed the refund as far back XX/XX/2020, in one case, in another case, I've been notified I was to receive the check by XX/XX/XXXX, and finally, during the 3rd call, I was notified it should arrive by XX/XX/XXXX. Today is XX/XX/XXXX, and I've now been told they don't know why I haven't received my refund check. Their failure to release the funds is clearly a substantied violation of CFPB guidelines, and I'd ask enforcement procedures commence.
11/02/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	TX 77320	Web
Servicer did not pay my Property taxes for XXXX. I have FHA escrow account. I XXXX XXXX ended Forbearance on XXXX XXXX I notified Servicer I was able to resume regular mortgage payments. I qualified for Partial Claim on XX/XX/2021. I signed documents on XXXX. Called once a week for updates. On XXXX was told my partial claim was denied and was verbally Threatened Forcosure Proceedings will start Immediately and was also told ( By the way you are behind on your Escrow XXXX ) Tax Due is XXXX Past Due, in the ReD. I verified this with County Tax Accessor. In Danger of Tax Lien, penalties, fines in XXXX. Mid America Mortgage has been uncoperative from the beginning of Forbearance. Also was told I need to pay lump sum to avoid Forclosure. Servicer has updated total amount with interent, fees, other charges on Statement. No other options were offered. I also made a mortgage payment for XXXX for XXXX. Not Credited to XXXX Mortgage. 1. mis-allocated payments- used for other accounts. 2. Lied about having paid Property taxes. 3. Intentional Harm to force Forclosure.
04/19/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	GA 30080	Web
Hello, I closed on my home in XX/XX/XXXX. I had an FHA loan. The Value of My property as listed in my mortgage company 's system is {$45000.00}. My initial Total Loan was for {$47000.00}. I was reported that PMI on my loan would be removed once my principal balance was less than 80 % of my total loan AND once my loan was 5 Years old. The 5 Year Mark was XX/XX/XXXX. 80 % of my total loan is {$38000.00} 78 % of my total loan is {$37000.00} Here is the history for my principal balance : XX/XX/XXXX Principal Remaining {$37000.00} XX/XX/XXXX Principal Remaining - {$37000.00} XX/XX/XXXX Principal Remaining - {$37000.00} XX/XX/XXXX Principal Remaining {$36000.00} I have reached out multiple times included today to my mortgage company without giving a reason to why it hasn't been removed. Today I was told it was be a system error in one of their departments and to submit another email request to see if it gets taking care of. Instead of submitting another email request, I would prefer to try this route now to ensure the right people are looking into the situation.
03/30/2021	Yes	Mortgage FHA mortgage	Incorrect information on your report Account status incorrect	TX 78245	Web
In XXXX of XXXX, there was a report from Mid America Mortgage saying that I had a late payment in XXXX of XXXX. I had made sure to provide a copy of my bank statement that the money was indeed given to them on time. As it turned out the department that handles the processing of money seemed to have some oversight in processing my check. In XXXX of XXXX, I had another lender look at my finances in order to purchase another home. They noticed that there was still a delinquency note on my credit history. Since then I have been calling Mid America Mortgage to get it resolved only being told that they would escalate the problem to management and that they would get back to me in a few business days. It wasn't until late XX/XX/XXXX after calling every few days or so that I was able to finally speak to a supervisor. The supervisor then said that because my complaint had not reached them before the XXXX of the month that they were going to be able to fix my credit report. Instead, they would fix it on the XXXX of XX/XX/XXXX when corrections to accounts are to be made.
05/02/2020	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	OK XXXXX	Web
I spoke with an Loan Originator XXXX XXXX XXXX XXXX from XXXX XXXX XXXX on Wednesday XX/XX/2020 in regards to refinancing my home. I submitted the application immediately. Several days went by of hearing nothing and so I called to verify everything was okay. Was informed everything was received and we should close in three weeks tops. A week went by and I heard nothing again. No email, no letters, no phone calls. I call to speak with him and am informed he has left on maternity leave??? So I ask for my file to be transferred to someone else because I dont want to just keep waiting and am informed that isnt an option. So I wait another week and FINALLY am contacted by XXXX and given a simple spreadsheet of closing costs but not the official Disclosure Statement required by Federal Law. I emailed XXXX on XX/XX/XXXX and requested this Disclosure and now its been 10 days since I requested and not only do I not have my Disclosure but no acknowledgment whatsoever. Again no emails, no letters and no phone calls. Very disappointed in this mortgage lender.
02/15/2016	Yes	Mortgage FHA mortgage	Credit decision / Underwriting	SC XXXXX	Web
I applied on line to Mid America Mortgage for a FHA loan on-line. Their representative, XXXX XXXX took my application and issued a letter of qualification and sent me a request for some additional documents. I was not returning the documents fast enough for XXXX and he began to call me daily and become difficult to deal with. Finally, I told him to leave me alone and that I would get the loan elsewhere. XXXX XXXX then called my real estate agent and complained that I was not living up to the purchase contract for the property. Unbeknownst to XXXX, my real estate agent is my wife. XXXX was obviously using private information that I had given him during the application process to damage my purchasing the house because I would n't use him or Mid America mortgage. When I called him, he said that he had every right to do it and that I was the one in the wrong. He has violated the basic rule that my information is private between us and not for any use other than what I intended it for when I gave it to him.
04/11/2018	Yes	Mortgage VA mortgage	Trouble during payment process	AZ 85712	Web	Older American
Escrow I have a 30 year fixed, 3.25 % VA loan with P & I monthly @ {$510.00}. Someone appears to be defrauding my escrow account as my payments have escalated from $ XXXX/month to over $ XXXX/month in less than 6 months. Prior to XX/XX/XXXX my Insurance costs were $ XXXX/year and my monthly payments were {$620.00}. My insurance premium is only $ XXXX/year now and I am being billed $ XXXX/month. I have asked the company to explain how my insurance premiums ballooned on XX/XX/XXXX when I was already paid and covered from XX/XX/XXXX - XX/XX/XXXX.. no one, not even their advocate has explained this to me. I have attached three insurance forms to show something is terribly wrong with my account. I have also attached a screenshot of my existing account which is BIZARRE. Please note that I have never missed a payment and that I have NOT been charged a late fee, but they insist on charging me $ XXXX/moth. My XXXX should be : {$510.00} + ( T= XXXX/XXXX= XXXX ) + ( I = XXXX/XXXX=XXXX ) = {$640.00}
11/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OR 97217	Web
My mortgage service provider ( MidAmerica Mortgage/XXXX XXXX ) continues to operate poorly in their management of my Section 184 mortgage loan. The current amount of money owned on our mortgage is {$350000.00}. However on XX/XX/XXXX we were assigned a fee of {$99000.00}. This was a large error on the part of MAM/XXXX. It took an entire MONTH ( XX/XX/XXXX ) to get this fee waived. However, because they dragged their feet on this my current credit report is showing, incorrectly, that we owe {$450000.00} because that amount is including the fee that was waived. So as a result of this negligence my current credit score has dropped 21 points. It is a constant struggle to have to be this hypervigilant when it comes to making sure I'm not being XXXX by this service provider. I have to check literally every couple weeks and constantly try to email/call individuals at this organization to resolve my issues. This lack of oversight and due diligence from this group is subpar at best currently.
01/10/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 75126	Web
Please be advised that our home payments increased to near triple of the monthly payments. Wife lost her job as she was XXXX and could not work so we lost income. All the home in this newer community are for sale. We tried all options with the lender and were not able to get anywhere. We have a short sale package over the the lender and filed a complaint with midamerica to let them know their communication has been ZERO. The lender does NOT answer the phone they place you on hold over an hour and drop the call. We have tried to verify that the lender has all our short sale docs in review and we are not able to communicate with them. Over 3 weeks of calls and nothing at all. When a borrower is in distress we are in URGENT need to communicate about the status of our loan and the review of all options as a consumer. We need help to make sure the lender is contacted about getting this resolved NOW! as I am in a situation that is timely and needs attention right now. Thank you.
03/08/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75098	Web
As explained and ignored in the previous complaint filed with CFPB XXXX on XXXX the XXXX payment MidAmerica claims to have received on XX/XX/XXXX was paid to them through XXXX directly by me. The documentation was provided in the previous complaint along with all documentation to show the loan should not be past due. They claim to have received funds from XXXX to bring the loan current but it does not appear they have done so. I have since spoken directly with XXXX ( XXXX Agent ID XXXX ) on XXXX and they have stated they can see all the documents I provided and have yet to receive correspondence back from MidAmerica as supposedly MidAmerica was not in receipt of any of my loan docs from previous servicer. I have once again attached the XX/XX/XXXXpayment received by XXXX on MidAmericas behalf showing this was paid by me and not an adjustment of funds from XXXX. The loan should only be due for XXXX which was mailed by my bank on XXXX.
12/23/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	MD 20737	Web
On XX/XX/XXXX i lost my job in the process i begin to try to catch up with my mortgage payments i only had two months behind i was told to put in the paperwork to start a process with assistance for my mortgage it was approved on XX/XX/XXXX my first payment was XX/XX/XXXX i made that payment along with XXXX XXXX and XXXX and XXXX and XXXX payment i am now waiting for them to cash the other payment that i sent out on XX/XX/XXXX i had to cancel the payment with the bank and resend they didnt ' still take my payment i don't know what they are doing but i submitted paperwork on XX/XX/XXXX with everything that i submitted early this year and know one has reach out to me i have been calling they have been hanging up on me i don't know what to do i have XXXX in my retirement that i will be paying back to the back loan but i am in the rear more than that i am trying to keep my home i have a XXXX child with XXXX XXXX and i need some help.
05/17/2021	Yes	Mortgage VA mortgage	Trouble during payment process	TN 371XX	Web	Servicemember
While securing our mortgage we had to include escrow fees up front..After 2 years now with them switching names back forth ( still the same company ). Now they say I am {$1700.00} short on my escrow..Their answer raise my payment {$500.00} for 1 year = {$6000.00} XXXX My original payment was {$1700.00} ... New payment $ 2,242..I actually believe they are trying to force my wife and I into default which they calmed this month since I did not pay the extra last month while trying to work things out the paper said I owed {$2700.00} while talking to the representative about the situation .. She stated I owed {$2900.00} to meet my obligations.. I am a XXXX veteran and this has put my wife and I in financial bind .. Truck payment or house payment ... I do not know exactly what or You is behind this ..But Im asking You what are my rights as a XXXX veteran
12/17/2019	Yes	Mortgage VA mortgage	Trouble during payment process	AL 363XX	Web	Servicemember
My mortgage was being serviced by XXXX, but then was sold to Mid America Mortgage on XXXX XXXX. I never received a welcome letter or notice of transfer of my mortgage. The only way I found out was calling XXXX to pay my XXXX mortgage. After paying the XXXX mortgage, I have seen no evidence of the payment going through. Now I am trying to pay my XXXX mortgage and have tried to contact Mid America numerous times through many different avenues. I've been on hold several times with the longest time being 3 hours before I had to hang up. I've sent emails that have gone unanswered. Their website is broken and I am unable to create an account, because I have no idea what my new account number is. I'm in the process of trying to buy another home and I do not want this to affect my ability to purchase the new home. All I want to do is pay my mortgage.
12/20/2020	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	OH 454XX	Web
Complaint : My loan servicer MID AMERICA MORTGAGE accepted direct payments from the CARES ACT in a lump sum for my mortgage payments in the summer of 2020, then reported late payments to my credit file with the national credit reporting agencies in XX/XX/2020. The actions of my servicer were intentional causing serious financial hardship to me and my family during a National crisis. Because of the administrative actions of my servicer, my credit rating dropped to less than favorable, triggering a higher interest rate and closing costs to refinance. Now I can not afford to refinance. Mid America Mortgage accepted taxpayer funds, assuring consumers they would not harm their credit rating. They mislead consumers causing more financial harm to already struggling American families. I have made contact with the company to no avail.
03/07/2018	Yes	Mortgage VA mortgage	Trouble during payment process	AZ 85712	Web	Older American, Servicemember
I have a 30 year fixed, VA loan at 3.25 % with Mid America Mortgage. My payment has historically been XXXX/month until I was notified that my payment would increase to XXXX/month beginning XX/XX/XXXX and another increase to XXXX on XX/XX/XXXX. I was told that this was due to increases to insurance premiums. My insurance is only $ XXXX/year and the cumulative increase from XX/XX/XXXX to XX/XX/XXXX is XXXX or XXXX/year. I was already paying PITI monthly when my payment was XXXX/month so something is drastically wrong with the management and administration of my account. I have brought this to their attention ( Your reference/ticket number is XXXX ) but no one is responding to me. When I attempt to call customer service, the automated menu system does not recognize my SSN or account and dumps me out.
09/27/2021	Yes	Mortgage VA mortgage	Trouble during payment process	KY 403XX	Web	Older American, Servicemember
When I received my VA mortgage I was told that I would need to pay my Flood insurance premium one year in advance. approx. {$1700.00} which I did. Mid America Mortgage escrowed that amount and refused to reimburse me. Mid America claimed a shortage in my account and raised my monthly mortgage escrow by some {$300.00} even though my taxes were reduced, my flood insurance had been reduced and my homeowners did rise by {$100.00} per year. After refusing to help me regarding this problem, I changed mortgage companies. Mid America Mortgage still owes me {$720.00} remaining in my escrow account after paying off my mortgage. Mid America Mortgage refuses to send my remaining escrow to me. This is Theft!! Please help me resolve this matter. XXXX XXXX XXXX XXXX Mortgage account number XXXX XXXX XXXX
05/25/2018	Yes	Mortgage FHA mortgage	Closing on a mortgage	FL 335XX	Web
XXXX at XXXX XXXX XXXX and her team failed to review our appraisal and the fact that a repair was needed per the appraiser. Two weeks before closing, her team is telling us that the underwriters are requiring a repair with photos of an issue that was disclosed in the appraisal that was distmissed by XXXX XXXX XXXX. This result is costing us {$800.00} in financial burden and possibly a rent extension on our current apartment of up to {$2000.00} if these repairs delay closing. We are less than 2 weeks away form closing and XXXX And her team refuses to pay for the repair even though XXXXne of her Assistants, XXXX stated that this was their fault. XXXX is saying that it was a mistake but that mistake is costing us. I am looking for a lender credit of {$800.00} to cover the costs of fascia repair.
11/12/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	OR 97217	Web
This is the continuation of an issue related to the service fee/mortgage insurance associated with Section 184 loans. Our current mortgage loan has reached a threshold of 77.9 % LTV and the service fee/mortgage insurance for XXXX ( {$73.00} ) should not have been withdrawn from the escrow account. The fee should not be withdrawn any longer actually due to the LTV calculation and the confirmation from HUD that the amortization schedule associated with our loan is correct due to the remove of the upfront loan fee that is applied when the loan was first generated. This not only affected my loan but all other Section 184 loan LTV calculations as well. Due to incorrect LTV calculations I am uncertain how many of these types of loans have been having escrow withdrawals that were not necessary.
02/25/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77573	Web
My mortgage company has not giving me account credit for payments made, they have filed against my credit for payments stating they were 30-60 days late, and they continue to change me late fees. I have not missed any payments and all payments have been made within 15 days of payment due dates. I made a payment for XXXX over the phone with their agent and they are now stating the payment was refunded however I have bank statements proving the payment went through which I have already sent them. They are stating the statement is not enough prove all while continuing to change me late fees and file against my credit. I have all bank statements and credit report to show proof of whats happening.
10/19/2021	Yes	Mortgage VA mortgage	Trouble during payment process	OH 45459	Web	Servicemember
XX/XX/XXXX I called because my mortgage company incorrectly coded my residential home as a condo with a HOA. They incorrectly levied on me a {$2600.00} HOA insurance payment. I called 6 times over the past 2 weeks to get taken care of. They did not refund the money nor update my escrow account. On XX/XX/XXXX I got an escrow statement that says I have a $ XXXX shortage and they have not applied the amount. I called again on XX/XX/XXXX 2 times and they transfer me to a manager. Come to find out they are not managers and keep transferring me back and forth. I can not get a resolution of them to fix my loan type and refund the money taken from my escrow account.
11/04/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	OK 73160	Web
The mortgage company can not find a payment I made in XX/XX/2021. They have charged me over 12 times for a property inspection of {$20.00} each occurrence. I have called and requested to speak with the department that is supposed to research payments. Ive requested to speak with supervisors. They will not allow me to speak with a customer service rep who will take notes and then say someone will call me back. I have never received a call back. I sent the bank information of the payment on XX/XX/2021. The mortgage company says they can not find the payment although I have sent the documentation showing the payment I have made.
07/13/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	CT 067XX	Web	Older American, Servicemember
The closing on the house we sold was on XX/XX/2020. The loan was over paid by {$8600.00}. According to my lawyer, the mortgage co : Mid America Mortgage had 30 days to refund the over payment. Today is XX/XX/XXXX, 90 days later and we have not received our money. I had spoken with them multiple times over the last 60 days and each time I am assured we will receive our refund ; this way or that way. I feel I am getting the run around and they have no intention of returning our money. My husband and I are both retired and on a fixed income. Mid America Mortgage loan # XXXX for property at XXXX XXXX XXXX XXXX. XXXX, CT XXXX
11/10/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	TX 752XX	Web
On XX/XX/XXXX a charge was on my Step Father 's mortgage statement for {$120.00} with the description " Fee Billed ''. We have called Mid America Mortgage and emailed them trying to get details on this fee with no success. Mid America Mortgage refers us to a different 800 number and when I call I am told to email .I sent an email three times now and called again today at XXXX and spoke with XXXX ID XXXX XXXX that no one is responding to the email inquiries and she informed my step father there is nothing she can do but escalate the issue. I have attached a copy of the latest mortgage statement for reference.
04/05/2018	Yes	Mortgage VA mortgage	Struggling to pay mortgage	GA 30329	Web	Servicemember
I am requesting a short sale on my property ( XXXX XXXX XXXX XXXX XXXX MD XXXX ) and it has been under contract since XX/XX/XXXX. Mid America Mortgage/XXXX XXXX reviewed the file including the current offer on XX/XX/XXXX and marked the file as complete yet they have not made a decision as of XX/XX/XXXX. We have followed up with them daily to request them to expedite their review but to no avail. The buyers are getting weary of their lengthy process and is threatening already to terminate. Can you please assist in making XXXX XXXX escalate this file so we can have a speedy resolution?
04/12/2020	Yes	Mortgage FHA mortgage	Unable to get your credit report or credit score Other problem getting your report or credit score	TX 754XX	Web
Our former mortgager XXXX XXXX transitioned to our new Mortgage company Mid America Mortgage at the end of XX/XX/XXXX. I received a letter from the new mortgage company stating that they will report our mortgage as current in 60 days which would have been the end of XX/XX/XXXX. It is XX/XX/XXXX more than 90+ days and they are still not reporting our mortgage payments on our credit report. This has effect our credit and ability to refinance our home. I am told when a mortgage is moved over to another servicing company they have 60 days to report to the credit bureaus.
02/27/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	ID 833XX	Web
My husband and I refinanced our home and closed on the property on XX/XX/XXXX. Our original lend was MidAmerica and they are a nightmare. We have not yet received our Escrow payment. MidAmerica will not answer phone calls or emails. It has been well over 20 days. Our new lender, XXXX XXXX, our title company, XXXX XXXX and myself have attempted many many times to contact anyone from MidAmerica to resolve this problem to no avail. We are either kept on hold for more then 2 hours or just not responded to by email or any other means of communication.
05/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 342XX	Web	Older American, Servicemember
Mortgage was transferred to another bank and incorrect charges were applied to my payments. I was in contact with the bank for almost XXXX months and then they reported me to the credit bureau. I attempted to refinance my mortgage and found I had been reported as delinquent by XXXX days for XXXX and XXXX XXXX . I have since received a letter from the company apologizing and stating they will notify the credit bureaus within XXXX days. I need this resolved as this is the only adverse information on my account and I need to refinance.
02/09/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	TN 383XX	Web
I am having continuous problems with MidAmerica Mortgage Co, for over a year. I have made my payments, even paying extra, on the mortgage payment, and this company has not given me credit for almost a years worth of payments. Since XX/XX/2020, they still have not updated my account, and have me delinquent on my payments, which I am not. This is the 2nd time I have filed a complaint with the Consumer Finance branch. I have tried to communicate with this company, and all I get is, " we're taking care of it, '' but still they have not followed thru.
05/09/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	GA 30080	Web
Federal Law ( 12 U.S. Code 4902 ) requires that PMI be AUTOMATICALLY terminated on the date when the principal balance is scheduled to reach 78 percent of the original value of your home. For my loan, this should have taken place in XX/XX/XXXX and DID NOT. PMI should have been removed when my loan balance was scheduled to reach {$37000.00}. XX/XX/XXXX - My loan balance was {$37000.00} I was charged PMI for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Why is this company NOT AUTOMATICALLY removing PMI as it is required to do so by Federal Law?
10/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77511	Web
For one i have multiple. Inquiry within the grace period. That all should be counted as one. 30 days i do believe. Or 15 either way it's in that time period. Secondly I've only approved one to run my credit. The others should not have ran my credit so. Idk why i have 3 others. I need these removed immediately because now it is affecting my credit and makes it look like I am searching for more credit when I'm not I'm trying to build my credit and this is messing with it I only approved one not four
03/05/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	TX 77088	Web
A new mortgage company has taken over our loan, but we can't contact them. They don't answer their phone nor return emails. They raised our mortgage payment up even thought we are in a fixed rate. But they are doing things without contacting us but only by mail but the don't answer any questions or concerns. We paid 3 mouths in advanced to make sure anything fishy could happen. They are not even acknowledging we made those payments. Its nerve racking and disturbing. Please help us.
02/26/2022	Yes	Mortgage VA mortgage	Struggling to pay mortgage	CA 92530	Web	Servicemember
I have had a very difficult time with Mid American Mortgage. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Mid American Mortgage always seemed to lose my paperwork, which I constantly had to re-fax. I am a XXXX Veteran who can afford his mortgage. I have been declined and I do not believe I was correctly reviewed. I do not believe the underwriter used my correct income for review.
04/26/2021	Yes	Mortgage VA mortgage	Trouble during payment process	TX 78254	Web
In XX/XX/2021, Mid America mortgage increased my escrow amount from {$66.00} to {$600.00} per month ( see attachment ). At the time of this increase, there was already {$840.00} in escrow. My last years home owners insurance policy was only {$670.00} ( see attachment ). I believe the increase was excessive, and exceeds the federal maximum a lender can hold in escrow. Further, I was hung up on when attempting to discuss the matter with a Mid American mortgage representative.
09/17/2020	No	Mortgage VA mortgage	Trouble during payment process	TX 75087	Web	Servicemember
XX/XX/2020, a final inspection was processed reflecting 100 % completion to the property for damage due to smoke and water. MidAmerica Mortgage has yet to release the balance of insurance claim funds held in the amount of {$22000.00}. Numerous calls and emails have been made to their customer svc dept, loss draft dept, and to the president ; however, no one knows why the funds have not be released or when they will be released. They are in violation of Texas Insurance Code.
11/26/2019	No	Mortgage VA mortgage	Trouble during payment process	GA 30028	Web	Servicemember
Mid America Mortgage changes payment processing handlers. They did it again. Sent letter telling me they changed and to expect new account number in the mail. Nothing has come by mail, call number provided and you hang on for HOURS. XXXX Payment expected on the XXXX of XXXX. They change loan payment handlers frequently. Lost my escrow from XXXX XXXX several yrs ago when they changed hands. Apparently Mid America doesn't do audits. They shouldn't be in business.
11/03/2017	Yes	Mortgage VA mortgage	Trouble during payment process	TX 786XX	Web	Servicemember
I 'm in a fixed rate of 3.75 on a 15 yr. mortgage and my note has been XXXX and suddenly changed to XXXX without me agreeing to it. I contacted the mortgage company and have n't gotten a response and I received a escrow overage check but I never agreed to a increase in my monthly note. Account # XXXX Mid America Mortgage And my info is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Tx XXXX XXXX my e-mail is XXXXXXXXXXXX Cell ph. # XXXX Hm. ph. # XXXX thanks.
06/26/2020	Yes	Mortgage VA mortgage	Closing on a mortgage	FL 32757	Web	Servicemember
I have a VA Loan with Mid America Mortgage. I have a buyer that wants to assume the loan. All calls to Mid America Mortgage are transferred to XXXX. A call center in XXXX has all of my personal info for my VA Loan. The call center would email me scam. This should be a crime. I have called Mid America Mortgage at least 10 times, I have emailed them. No response. They are clearly not able to do there jobs. Can you revoke there license.
04/06/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	KY 41051	Web
I received an annual escrow disclosure statement from Mid America Mortgage company on XX/XX/2017 informing me that my escrow payment was going up {$200.00} a month due to a 473 % increase in my city taxes. This was not accurate and I have since been trying to request a new escrow analysis and updated payment. It has been over four months now that I have been requesting them to look into and resolve the issue, to no avail.
03/16/2020	Yes	Mortgage VA mortgage	Trouble during payment process	TX 77375	Web	Servicemember
During the change of the loan server Mid America Mortgage changed from XXXX XXXX to doing the collecting of mortgage payments through their company. And from the start it has been a disaster. The don't reflect the true balance of my payments when I get a monthly statement. My statement keeps reflecting {$1700.00} dollars a month which should be XXXX a month. My payments are current but the statements are misleading.
11/23/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	LA 704XX	Web	Older American
My Mortage with the help ofXXXX XXXX XXXX have fraudulent removed more than {$8000.00} from my escrow account the companies that got my money is XXXX XXXX XXXX XXXX {$4200.00} Flood Insurance Certificate NoXXXX XXXX XXXX XXXX {$1800.00} Home Owners Insurance Policy No. XXXX, XXXX XXXX {$1700.00}. Homers Owners Insurance. Policy XXXX all this was done by Mid American Mortage , Inc. XXXX XXXX XXXX XXXX TX XXXX
09/29/2020	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	TX 78006	Web
Mid America Mortgage failed to disburse surplus escrow funds in the 20 days required by " XXXX Timely escrow payments and treatment of escrow account balances. '' upon payment in full of the loan. Multiple attempts were made to request additional information about the process and only upon threatening to raise the issue to authorities did the servicer make any noticeable attempt to correct the issue.
02/05/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 86409	Web	Older American
mid america debited my account although recurring payments got cancelled due to the fact that I paid 10 mortgage payments in advance. XX/XX/XXXX the money was debited after several phone calls and hours of waiting on the phone they assured me on XX/XX/XXXX that the money will be wired back. Today is XX/XX/XXXX and I still don't have the money. amount we are talking about is {$710.00}
03/16/2022	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	TX 77532	Web
Struggling to make payment. i have had loss of income due to covid-19. i reach out to Mid America mortgage for a forbearance or payment plan and the rep dismissed me and told me they are going to foreclose and i will not be approved. I also sent in a request for mortgage assistance detailing hardship and still no payment plan forbearance. predatory servicer focused on foreclosing
01/27/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	LA 704XX	Web	Older American, Servicemember
My mortgage company is not applying my payments to my account properly on XX/XX/2020 I had a {$0.00} payment on XX/XX/2020 had a {$0.00} payment then on XX/XX/2020 had a payment of {$1700.00} then on XX/XX/2020 had a payment for {$1800.00}. I am XXXX years old these people are stealing through creative accounting they call it Misc. Receipt.
03/11/2016	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	TX 77042	Web
I was told it was best to shop mortgage companies when refinancing, but XXXX of these companies submitted XXXX hard inquiries on my credit report, though I was given the impression they would only be soft inquiries. The very thing they tell me is bringing down my score! Not removing these will keep me from refinancing my home. Please help.
04/30/2022	Yes	Mortgage FHA mortgage	Trouble during payment process	TX 78840	Web
The mortgage company disallowed me from making my mortgage payment using the online web page. MID AMERICA MORTGAGE forced me to submit a cashier 's check, which I did, but took almost a month to process the payment which resulted in a negative mark on my credit report. All due to the processing of the check which was out of my control.
02/24/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	LA 704XX	Web	Older American, Servicemember
My mortgage company has been some my advance payment a miscellaneous account then telling me I'm behind I notice that since the pandemic a lot of good company people are doing bad things like fraud and embezzlement has become a common practice here in the South their are systematically discriminating in handling people Money.
07/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WA 98208	Web	Servicemember
InXX/XX/2019Mid America Mortgage stopped reporting to the credit bureau which caused my credit score to tank drastically. They have yet to report even after many attempts to get them to report. Credit bureaus will not allow you to report your mortgage even with verified payment from mortgage website.
10/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33573	Web
Companies or lenders obtained my personal information either fraudulently or had no authorization to request or obtain my credit report. I have tried to persuade companies and credit bureaus to actualize or update inaccurate or unlawful obtained information from my report.
01/04/2020	Yes	Mortgage VA mortgage	Struggling to pay mortgage	KS 674XX	Web	Servicemember
My homes mortgage is behind and I have tried to contact the company, Mid American Mortgage every day for weeks now and I can not get anyone to contact me back. I have sat on hold for hours but never get through to a person. I just need someone to talk to me.
09/16/2021	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	TX 77532	Web
I have had hardship with making payments on XXXX XXXX XXXX XXXX, XXXX, Texas XXXX due to Loss of income/Employment from Covid-19 and expenses have increase. I am seeking a request for mortgage assistance in resolving this property debt
03/06/2020	Yes	Mortgage VA mortgage	Trouble during payment process	VA 23060	Web	Servicemember
I have been trying to pay my mortgage for 3 months the mortgage was sold to another company I've called that company for different times and told him my address to send me a statement they still have not done that.
12/17/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 162XX	Web
Mid America Mortgage has cash my check for a payment on this mortgage loan but has not applied it to the loan. They refuse to answer or return my calls.
08/13/2021	Yes	Mortgage FHA mortgage	Closing on a mortgage	LA 704XX	Web	Older American, Servicemember
On XXXX XXXX I paid my mortgage off in full but I have not gotten the DEED to my House .FHA Case:XXXX Loan No:XXXX Pay off amount {$130000.00}
07/14/2022	No	Mortgage Conventional home mortgage	Closing on a mortgage	NC 28630	Phone

05/26/2022	No	Mortgage FHA mortgage	Trouble during payment process	TX 78121	Phone

05/15/2022	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	MS 38671	Web

03/22/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 43065	Web

03/21/2022	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	TN 37354	Web

03/07/2022	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	WA 98584	Web

03/03/2022	Yes	Mortgage VA mortgage	Trouble during payment process	MS 39194	Phone	Older American, Servicemember

02/22/2022	Yes	Mortgage VA mortgage	Struggling to pay mortgage	FL 33905	Web

02/22/2022	Yes	Mortgage FHA mortgage	Trouble during payment process	CO 80010	Phone

02/21/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 70583	Web

01/07/2022	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	NC 27242	Web

12/29/2021	No	Mortgage FHA mortgage	Struggling to pay mortgage	TX 76244	Web

10/16/2021	No	Mortgage FHA mortgage	Trouble during payment process	TX 78216	Web

10/12/2021	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	OH 43613	Web

09/30/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	IL 60423	Phone

09/17/2021	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	TX 78061	Referral	Older American

08/05/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 92022	Phone

07/20/2021	Yes	Mortgage Other type of mortgage	Trouble during payment process	TX 78061	Referral

07/16/2021	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	KY 41018	Web

06/23/2021	Yes	Mortgage VA mortgage	Struggling to pay mortgage	TX 76087	Web	Servicemember

06/23/2021	No	Mortgage VA mortgage	Struggling to pay mortgage	TX 76087	Web	Servicemember

06/23/2021	Yes	Mortgage VA mortgage	Incorrect information on your report Account information incorrect	NV 89131	Phone	Older American, Servicemember

05/12/2021	Yes	Mortgage FHA mortgage	Incorrect information on your report Account status incorrect	CA 95823	Web

05/05/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	OH 45459	Referral	Older American

05/04/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	CT 06512	Web

04/29/2021	Yes	Mortgage VA mortgage	Trouble during payment process	AZ 85711	Phone

04/20/2021	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	NC 28356	Phone

03/26/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Phone

03/23/2021	Yes	Mortgage VA mortgage	Trouble during payment process	AE 09180	Web	Servicemember

03/13/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77573	Web

02/23/2021	Yes	Mortgage VA mortgage	Struggling to pay mortgage		Phone	Servicemember

02/11/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	IL 60639	Web

01/28/2021	Yes	Mortgage VA mortgage	Struggling to pay mortgage	TN 37803	Web

11/10/2020	Yes	Mortgage VA mortgage	Struggling to pay mortgage	TX 76087	Web	Servicemember

11/04/2020	Yes	Mortgage VA mortgage	Struggling to pay mortgage	TX 76087	Web	Servicemember

10/29/2020	Yes	Mortgage VA mortgage	Trouble during payment process		Phone	Servicemember

10/02/2020	Yes	Mortgage Other type of mortgage	Trouble during payment process		Phone

09/21/2020	Yes	Mortgage VA mortgage	Struggling to pay mortgage	MN 55024	Web

09/08/2020	Yes	Mortgage VA mortgage	Struggling to pay mortgage	TX 76087	Web	Servicemember

08/20/2020	No	Mortgage Other type of mortgage	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	HI 96740	Web	Older American

08/19/2020	No	Mortgage Conventional home mortgage	Trouble during payment process	TX 76206	Web

06/29/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 70422	Web

06/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	OK 73132	Web

05/21/2020	Yes	Mortgage Other type of mortgage	Trouble during payment process	TX 78640	Web	Servicemember

04/30/2020	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CO 80634	Web

04/14/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	MT 59824	Web

04/06/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	MD 206XX	Web

03/24/2020	Yes	Mortgage VA mortgage	Trouble during payment process	MN 55311	Web	Servicemember

03/13/2020	Yes	Mortgage FHA mortgage	Incorrect information on your report Account information incorrect	MO 63301	Phone

03/12/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 96007	Web

02/29/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 77356	Web

02/03/2020	Yes	Mortgage VA mortgage	Trouble during payment process	TX 76028	Web	Servicemember

01/21/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	CO 80010	Phone

01/17/2020	Yes	Mortgage VA mortgage	Trouble during payment process	TX 78665	Web	Servicemember

01/09/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NV 89506	Referral

01/07/2020	Yes	Mortgage VA mortgage	Trouble during payment process	TX 77523	Phone	Servicemember

01/03/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	MD 21231	Web

01/02/2020	Yes	Mortgage VA mortgage	Trouble during payment process	TX 78660	Web	Servicemember

12/18/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	AZ 85138	Web

12/13/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 86403	Referral

12/12/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WY 82601	Referral

12/05/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 80452	Web

09/25/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	AL 36066	Web

09/12/2019	Yes	Mortgage VA mortgage	Trouble during payment process	FL 32922	Postal mail

09/09/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	NM 88011	Phone	Older American

08/01/2019	Yes	Mortgage VA mortgage	Trouble during payment process		Phone	Servicemember

05/06/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	CO 80010	Phone

03/29/2019	Yes	Mortgage VA mortgage	Struggling to pay mortgage	GA 30906	Web	Servicemember

02/19/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 98038	Web

12/20/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	LA 705XX	Web

12/20/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 43912	Web

08/13/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Phone	Servicemember

07/03/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30329	Phone

05/14/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30329	Referral

03/13/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 85308	Postal mail

01/30/2018	Yes	Mortgage VA mortgage	Trouble during payment process	GA 30114	Web	Servicemember

01/01/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	UT 84302	Web

10/20/2017	Yes	Mortgage VA mortgage	Trouble during payment process	GA 30114	Web	Servicemember

04/16/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	OH 44143	Referral

06/21/2016	No	Mortgage FHA mortgage	Loan servicing, payments, escrow account	TX 77532	Web

03/03/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	IN 46227	Phone

02/22/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	IN 46227	Phone

08/28/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 93611	Web

02/04/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 80907	Web	Older American

12/27/2013	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	CA 94066	Web

11/21/2013	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	MD 20841	Web

08/25/2013	Yes	Mortgage Other mortgage	Credit decision / Underwriting	CA 90815	Web

07/17/2013	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	TX 75231	Web

07/11/2013	Yes	Mortgage FHA mortgage	Credit decision / Underwriting	MT 59102	Web

05/15/2013	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	IN 46038	Web

11/30/2012	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	CO 80022	Web

04/17/2012	No	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	TX 75070	Web