MIDFIRST BANK CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
08/12/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30144
Web
I have several complaints about the manner in which my mortgage has been serviced by Midland Mortgage over the past few years, specifically regarding actions taken during and just after completion of my Chapter XXXX bankruptcy, which ended in XX/XX/XXXX, and a subsequent payment plan arrangement that I completed in XX/XX/XXXX. The separate points of complaint are outlined below. The only remedies I am requesting are : - Refund of a {$920.00} fee ( discussed in Item # 3 ) or a suitable explanation of what the fee was for and why I should have to pay it. I believe it to be a legal fee that was either already paid or one that was improperly or mistakenly applied to the mortgage account. - Correction of payment history reported to credit bureaus based on the fact that one of my monthly payments was applied to fees instead of being treated as a payment ( discussed in Items # 4 and # 5 ). The other points of complaint are included to make Midland Mortgage aware of the issues and to go on record with regulators. If there are others with similar complaints or data suggesting improper policies or patterns of behavior, perhaps regulators will be motivated to investigate further and hold Midland Mortgage accountable for their actions. Finally, I have documented two other points of concern to make Midland Mortgage aware of serious issues affecting their customers. 1. Questionable and potentially improper procedures and disposition of Motion for Relief in XXXX. In XXXX we fell behind on our mortgage payments during our Chapter XXXX. We went through the procedures to allow direct communication between ourselves and mitigation specialists at the mortgage company. We were pre-approved for a loan modification which had to be approved by the bankruptcy court. However, while this process was underway the mortgage companys legal representatives were pursuing a Motion for Relief of Stay through the bankruptcy court. We understand that this motion in itself should not directly effect the mortgage and that it would not be out of the ordinary for the mortgage company to continue trying to be relieved of the stay of bankruptcy for future proceedings should the plan not be approved. If the outcome of these proceedings were limited to a decision on the stay there would be no harm in them. However, it seems to be common practice for these motions to result in stipulations concerning payments, schedules and consequences directly relating to the loans themselves. That being the case, it would seem to be more in keeping with anti-double-tracking requirements to suspend Motion for Relief proceedings while mortgagors are known to be pursuing mortgage assistance measures rather than put in place stipulations related to the loan in order to satisfy the court and set aside the Motion for Relief before or while mortgagors are establishing a mitigation plan through other channels. In my case, the last paragraph of the notice of the outcome of the hearing ( Attachment # 1 ) states that our future payments ( for unspecified duration ) would be under STRICT COMPLIANCE ORDER, such that if we were XXXX dollar short or one day late we would have 10 days to cure the default or an Order Lifting the Automatic Stay will be issued by the Judge without any further hearing or notice, and your property will be foreclosed upon. This seems to suggest that the outcome of the hearing became broader than simply covering whether or not the stay would remain in place and expanded into the handling of the mortgage itself. It is unclear how this would have been enforced, but given that the loan modification plan has its own schedule, requirements and potential consequences ( not to mention the Dodd-Frank guidelines ), this language seems to be trying to define a separate, potentially shorter, path to foreclosure in the event that payments at some future date were late or to place additional payment schedule requirements on the loan. Obviously once the payments were caught up, making one payment a day late or a dollar short would not meet the Dodd-Frank requirements of being 120-days delinquent before proceeding with foreclosure. In this case, local hired attorneys were trying to ( perhaps over-zealously ) represent the mortgage companys interests separately and without any communication with the companys loan mitigation personnel. This opens up a concern that these Motion for Relief actions ( and perhaps other bankruptcy related filings ) are being used as a defacto form of double-tracking for mortgagors that happen to be in bankruptcy and that the dispositions go beyond just affecting the stay of bankruptcy to affecting the terms of the loan and/or foreclosure conditions. It may be worth investigating the practices of Midland Mortgage and their hired legal representatives to determine whether bankruptcy filings are being used in a manner that violates the letter, or at least the spirit, of the CFPB anti-double-tracking rules for mortgage servicing. 2. Motion for Relief filed in final weeks of bankruptcy, resulting in unnecessary fees, tasks and hearings. Over the course of our six-year bankruptcy Midland Mortgage actually filed three separate Motions for Relief of Stay. The first two were filed when three payments were 30-days past due and a fourth had come due. The final one was filed on XX/XX/XXXX, stating that three payments had been missed. ( In fact, the third payment had been already been sent and was credited on XXXX XXXX. ) The bankruptcy had actually originally been scheduled to end in XXXX, but the trustee was unhappy with the amount of overtime pay I had received for part of the bankruptcy term so it was extended around one year to be a 100 % plan. The hearing for the Relief of Stay was held on XXXX XXXX, the same day as the very last payment of six years worth of payments was credited by the trustee. Notice of Final Cure of Payment was sent on XXXX XXXX, and the bankruptcy was officially discharged on XX/XX/XXXX. When I went in to speak to my attorney about the motion I asked why the mortgage company would file for relief of a stay that was going to end with the discharge in a matter of weeks anyway. I was told that this very common, but the attorney was also surprised that the motion had been filed with the just the three payments due. It seems reasonable to conclude that the motion was filed not in spite of the impending end of the bankruptcy, but rather because of it. I am not sure why a mortgage company would accelerate this process at the end of a bankruptcy, but there must be a reason it is common. Filing the motion came with a large legal fee of {$1000.00}. ( Maybe this is a make-work exercise for underfunded legal departments? ) There was also an apparent attempt to add additional fees to the bankruptcy ( item # 3 below ). This also resulted in additional time away from work to make phone calls and attorney visits, not to mention extra work for the attorneys, staff and additional tasks for the courts. In the end, my attorneys negotiated a six-month payment agreement to pay the missed payments and all the fees, even though the agreement would stand only for the six weeks or so until the end of the bankruptcy, at which point I would be free to work out arrangements directly with Midland Mortgage on the amount remaining. In my case, the trustee payments were a large percentage of my income and no longer having to make them opened up a considerable amount of available extra money I could use to catch up payments. I imagine this is not always the case with many mortgagors coming out of bankruptcy, and these last-minute actions, with the additional fees and unexpected urgency in catching up payments, might be enough to precipitate foreclosures. Or ( as it turned out in my case ) to force borrowers into mitigation programs ( for which there may be government-funded incentives? ). This practice may already be well known to regulators, but if it is not I recommend looking closely at data related to mortgagors coming out of Chapter XXXX to see if there is a pattern of questionable last-minute actions taken against them that may be intended to make them more vulnerable to actions that benefit the lenders. A Chapter XXXX plan is a long, difficult struggle. Its completion should mark a time for moving forward and rebuilding, not a time for creditors to precipitate or exploit weaknesses. 3. Attempt to charge unexplained, possibly duplicate fees to bankruptcy in last days that were carried over to loan when apparently rejected by bankruptcy trustee. As I was nearing the end of my bankruptcy I was carefully watching the posting of payments to my account on the XXXX XXXX XXXX web site. On XX/XX/XXXX I signed in to find that an additional fee of {$920.00} had been added to the total amount due ( Attachment # 3, Claim No. XXXX on line XXXX ). This was not present when I had last signed on to the XXXX site on XXXX XXXX ( Attachment # 2 ). Of course this was frustrating because it would add at least one more bi-monthly payment to the term of the bankruptcy. I called my attorneys to see of they could find out more about the fee. I knew it to be the exact amount of the legal fee charged for the Motion for Relief filed in XXXX. But I knew I had paid this fee in two installments per the XXXX agreement that came out of that hearing. ( Attachment # 5 ). The fee for the XXXX motion was {$100.00} more and was being integrated into the payment plan agreement from that hearing, so I knew that this one should not be added to the bankruptcy. On XXXX XXXX the fee dropped off of the XXXX account ledger ( Attachment # 4 ). I asked my attorneys why this would have occurred and I was told that maybe the mortgage company had tried to add the fee but that the trustee had rejected it due to the total amount of the bankruptcy being nearly paid off. I wrote it off as a potential mistake that had been corrected. But then that exact amount turned up as a fee charged to the mortgage itself and was included in pre-foreclosure notices received from Midland Mortgage as well as in the paperwork for the payment plan I entered into after the bankruptcy was discharged. I questioned this fee during the application process for the mitigation plan because I knew I had paid or made other arrangements for all of the legal fees associated with all of the Motion for Relief proceedings. I was never offered any explanation for what the fee was or why it had been added. I still have seen no documentation of this fee and believe it to be a mistake. I am requesting that Midland Mortgage credit this amount back to my account or provide sufficient documentation to justify it. 4. Improper application of payment towards legal fees, leaving loan an additional payment behind, forcing us to seek relief again to avoid foreclosure. According to our repayment agreement defined in the XX/XX/XXXX Motion for Relief of Stay hearing and documented on XX/XX/XXXX ( Attachment # 1 ) we were to pay one of the payments of {$1000.00} immediately and begin making regular timely payments of {$1000.00} beginning XXXX XXXX. On XXXX XXXX we sent certified funds by overnight mail of {$1000.00}. This was credited to our mortgage account as our XX/XX/XXXX payment on XX/XX/XXXX as shown in the transaction log on the web site. ( Attachment # 6 ) We mailed in the payment due for XXXX XXXX. On XXXX XXXX the payment was credited to the log, but was not applied as a payment, despite the fact that it was sent with a payment stub and was for the exact payment amount of {$1000.00}, which included principal, interest and escrow for the XX/XX/XXXX periodic payment. It should have been credited as the XX/XX/XXXX payment. Instead it was allocated to Unapplied funds. On XXXX XXXX a fee of {$1000.00} was applied to the account ( the legal fees for the XX/XX/XXXXRelief of Stay filing, separate from the {$920.00} discussed in Item # 3 above ). On XXXX XXXX the {$1000.00} was removed from unapplied funds and used to pay a {$100.00} fee, and a {$920.00} fee ( totaling to the {$1000.00} amount of legal fees for the Motion for Relief ). I called several times to point out the issue and was told by customer service staff that there was no error. Applying this payment towards fees instead of treating it as my XXXX monthly payment seems to directly contradict the guidelines for mortgage servicing ( 12 CFR 1026.36 ( c ) ( 1 ) ( i ) ) as well as the terms of the repayment agreement. Further, in mid-XXXX I made the first of the mid-month additional half-payments scheduled in my payment plan from the Motion for Relief hearing in XXXX, and at the end of XXXX I made a full payment due for XXXX XXXX according to the plan. However, there are apparently administrative delays in transferring accounts internally at Midland Mortgage ( from bankruptcy to regular accounts ) and the XXXX XXXX payment was not credited until XXXX XXXX. The half-payment remained in unapplied funds ( appropriately ). Meanwhile, on XXXX XXXX Midland sent a letter ( Attachment # 6 ) indicating that I was more than four full payments behind ( despite the fact that they had misapplied one payment and already had another in their hands ). I was also contacted by staff at Midland Mortgage involved in handling foreclosures to discuss the situation. By XXXX, I had made what should have been counted as my XXXX payment ( which was applied as fees XXXX. I had made a full payment ( credited late ) that should have been counted as my XXXX payment. I had made one half of my XXXX payment that was waiting in unapplied funds. And I had the second half of my XXXX payment ready to send. If this additional half payment were sent and posted it would have meant that I was actually under 30 days late on regular mortgage payments. But by now my bankruptcy was ended, my payment plan was invalid, the stay was no longer in place and the mortgage company was threatening foreclosure based on the assumption that I was four payments behind, plus extensive fees ( including the questionable {$920.00} from Item 3 above ). Not wanting to risk proceeding to foreclosure I contacted the delinquency assistance department at Midland and began the process of setting up a payment plan to catch everything up. They advised me not to send anything else while the account was in the foreclosure status and we were working on an assistance plan, so I held onto the second half-payment and waited to get the payment plan established. On XXXX XXXX I was sent a conflicting Your Account Status letter that more accurately reflected the amounts paid, but still showed three payments behind. I understand that, with the exception of the contested {$920.00}, the same number of dollars needed to be paid to fully catch up the account ( once all paid amounts had been properly credited ), however the XXXX XXXX payment was applied. But there is a big difference between being a month or so behind and informally paying extra amounts when possible to catch up fees and being compelled to enter into a formal mortgage assistance plan to avoid foreclosure. Nothing I experienced throughout this process leads me to believe that this was a simple error related to just my own account. Instead I believe this issue to be a product of policy. I think it is likely that my experience is commonplace and that Midland Mortgage has adopted these practices not just to prioritize collection of fees, but also compel customers to catch up payments and enter into formal plans and assistance programs, some of which may offer publicly funded incentives. It may also help accelerate foreclosures for problem accounts. Of all of my complaints this one seems like the clearest violation of mortgage servicing guidelines. I would recommend that regulators look into whether Midland Mortgage routinely took and continues to take this harmful action against other mortgagors. 5. Reporting of loan as 90+ days past due ( due to item 4 above ) to credit bureau, damaging credit history. Once our payment plan was complete Midland Mortgage reported the payment history to the credit bureaus as they had it in their own records, indicating that we were 90+ days late for several months during the course of the payment plan when this should not have been the case. This is especially damaging to the credit records of people emerging from lengthy Chapter XXXX cases because it represents a large part of the very limited credit history left when most past accounts have dropped off. We understood and accepted that credit reporting would continue throughout the payment plan and that it would reflect the status of our payments. However, due to the misapplication of a payment towards fees Midland Mortgages records were in error and this erroneous information is what is reflected in our credit reports. We were at least 30 days behind at the time of the bankruptcy discharge, and we might have been counted as 60 days late, depending on reporting dates and the lag in crediting payments. However, applying one of our payments to fees instead of counting it as a payment accounts for a full 30 days worth of late reporting. In addition, had everything been handled promptly and properly there should not have been a strong reason to enter into a mitigation plan at all, which came with additional payment schedule delays and extended by at least one the number of months for which payments were reported as late. I am requesting that Midland Mortgage correct their credit bureau reporting to accurately reflect our account status, counting the misapplied payment as a regular monthly payment and allowing for the delays driven by its own actions. At minimum this should mean reducing the time in arrears by 30 days for each month reported from XXXX through XXXX of XXXX. In addition to the formal complaints above, the following informal observations are included to highlight serious customer service failings that could and probably do contribute to very negative outcomes for Midland Mortgage customers. A. Confusing and contradictory mailings sent throughout payment plan term, as well as low level of support from representatives by phone. After making a payment plan arrangement to catch up my mortgage payments and fees I continued to receive multiple regular pieces of mail from Midland Mortgage concerning my account. The information in these letters seemed contradictory and some of them did not seem to reflect the terms of the plan. I assume that Midland Mortgages automated systems and procedures trigger these mailing under particular conditions and that some of the processes are not aware that mitigation arrangements are in place. - Can we help? mailings ( Attachment # 8 ) At the begging of each month I received a letter bearing the title Can we help?, which provided a list of the months for which payments had not been received, a total due on the loan, and the message, This is a very serious matter that requires your attention. The package included forms and documents needed to apply for a mortgage assistance program. Receiving these mailings can be alarming when you are already in such a program. It makes you think something has gone wrong and your existing assistance program is no longer in effect. - Mortgage Statement ( Attachment # 9 ) In the middle of each month a regular mortgage statement came in the mail. This document showed an Amount Due block at the top with the total amount ( all missing payments and outstanding fees added together ) and a payment due date if the first of the next month. Just looking at the top of this document it appears that you are expected to pay this full amount and not the amount scheduled in your payment plan. You have to look at the payment coupon attached to the bottom of the document to see the actual payment amount and scheduled date from your payment plan. This is very confusing. There are different amounts and dates showing on the very same piece of paper. - Late Charge Letters ( Attachment # 10 ) Also around the middle of the month I received a letter saying that my payment for a particular month had not been received on time and that I should add the amount of the late charge to the payment. These letters showed the amount of the regular payment, late charge and regular payment date ( not the agreed upon payment amount and date from the payment plan ). - Your Account Status letters ( Attachment # 11 ) Around the third week of each month I received a letter titled Your Account Status. This letter referenced the payment plan and the presented data seemed to reflect the actual status of the payment plan more accurately than any of the other documents. I am sure that all of these documents make perfect sense to Midland Mortgage staff ( or maybe not ), but to customers, especially taken all together, they are very confusing. Customers must think, Is my plan still in place? Am I supposed to pay this amount by this date? If I dont, will my home be foreclosed? It doesnt seem like it should be that hard for Midland Mortgage to send out a single statement each month reflecting the terms and status of the customers mitigation plan and including the expected payment and due date according to the plan. Other statements and offers of help should be suspended for the duration of the plan. This makes me very concerned for mortgagors trying to go through mitigation plans who might be elderly, less-educated or otherwise less able to keep up with plan schedules and requirements. These multiple and conflicting notices must create a great deal of undue stress and confusion. It is not hard to imagine that this could lead to people losing their homes over missed deadlines, improper payments or simply by throwing up their hands and giving up. I know a lady in my neighborhood that was facing foreclosure ( I do not know with what mortgage company ) and just started ignoring everything about her situation until officers came to her house and put all of her stuff out on the lawn. She was a foreign national and non-native English speaker. Was she overwhelmed and confused by multiple, conflicting statements like these? B. Slow reporting of positive status to credit bureaus, resulting in unnecessarily long waits with apparent but not actual negative credit history. I completed my payment plan in XX/XX/XXXX. However, my credit reports reflected that I was still in a payment plan until XX/XX/XXXX when current status of the account was finally changed to on time. Midland Mortgage has reported the account as on time regularly every month since then. I understand that there may be somewhat of a delay in transitioning accounts from payment plans to current status, but it should not take three months after completion of a payment plan for Midland Mortgage to begin reporting an account as current to credit bureaus. Mortgage account status is one of the most significant factors affecting peoples credit scores, and Midland Mortgage surely knows this. If this delay in updating the reported status of accounts is purely internal inefficiencies, then Midland Mortgage should address this for the benefit of their customers. However, it may also be worth also investigating whether this delay is a deliberate policy. There must be advantages to temporarily suppressing customer credit scores in certain situations, such as reducing loan risk by preventing customers from adding other credit obligations and perhaps preventing or delaying mortgage refinancing with other lenders. Perhaps Midland Mortgage intentionally waits to the end of the period within which they are obligated to report a change to positive credit status, which may be perfectly legal but is unethical and damaging to borrowers.
12/13/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • OH
  • 44266
Web
CFPB complaint # XXXX was filed with XXXX on XX/XX/XXXX. On XX/XX/XXXX, XXXX replied to my complaint that they were not the appropriate company to review my complaint, and advised that the complaint be re-routed to my current mortgager since XX/XX/XXXX- Midland Mortgage a division of MidFirst Bank for review. On XX/XX/XXXX, I contacted the CFPB to inquire about how I would be able to submit additional supporting documentation to my complaint. I was not informed that XXXX had responded to the complaint that they were not the appropriate entity. I was instructed to withdraw the XX/XX/XXXX complaint and resubmit a new complaint ONLY to be able to add the additional supporting documentation. All the the details in my original complaint, in regards to the loan modifications and FHA Hamp modification were completed by XXXX employees from XXXX XXXX XXXX prior to Midland Mortgage a division of MidFirst Bank being involved. Per XXXX XXXX, I am redirecting the original complaint details to Midland Mortgage a division of MidFirst Bank XXXX I purchased a home with an FHA Loan from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Ohio XXXX ( no longer an exists ) on XX/XX/XXXX. XXXX XXXX XXXX XXXX, did not discuss or disclose that XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX was named as a nominee for the lender, it was not noticeable or easy to read within the promissory note details. The total amount financed was XXXX with an upfront MIP amount of {$2700.00} financed with HUD. According to loan documents, the loan was purchased by XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX, from XXXX XXXX XXXX XXXXXXXX XXXX several weeks after closing. Beginning XX/XX/XXXX, payments were submitted to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX. Despite the documents sent to me, an assignment of mortgage from XXXX XXXX to XXXX was not filed with XXXX XXXX Ohio. On XX/XX/XXXX, one day prior to my husband and I filing for XXXX XXXX bankruptcy, an assignment of mortgage was filed, and the loan was removed from the XXXX system. The XXXX loan number associated with my home is no longer showing ever being active/inactive in the XXXX database. I am contesting XXXX having the right to transfer my loan, and the right to enter into a loan modification, as XXXX was solely a nominee for the lender. In addition, I am contesting the validity of the loan modifications completed in XX/XX/XXXX and XX/XX/XXXX, as well as the loan modification w/principal reduction dated XX/XX/XXXX, which was presented to me by XXXX as a HAMP loan modification. The signed/notarized loan modification agreement dated XX/XX/XXXX states that the loan modification would be effective XX/XX/XXXX. The modification documents that I signed/notarized in XXXX were not signed/notarized by XXXX until XX/XX/XXXX. Escrow statements show nonpayment and multiple adjustments from XXXX XXXX XXXX In XX/XX/XXXX, XXXX received borrow and servicer payments for the HAMP modification/partial claim. Below is a detailed summary of my complaint. Complaint Summary In XX/XX/XXXX, during a catastrophic home loss, my family of XXXX was displaced and out of our home from XXXX XXXX XXXX During that time, we became aware of the loan modifications and FHA HAMP modification w/partial claim ( outlined above ) documents filed with the XXXX XXXX Ohio Recorder 's office. Prior to XX/XX/XXXX XXXX did not provide copies of the completed documents filed. Upon review, it became evident that the home loan modifications and FHA HAMP modification w/ FHA partial claim completed by XXXX between XXXX, should have been included in the XXXX XXXX Settlement. XXXX was one of the lender/servicers held accountable for their wrongdoing regarding improper residential mortgage foreclosures, loan modifications and mortgage servicing. During that time, I entered into loan modification agreements with XXXX in good faith, after completing and sending all requested documentation, in an effort to bring our home loan current and save our home from foreclosure. At no time we were ever in active foreclosure, yet despite being actively engaged in loan modifications and or FHA backed foreclosure prevention programs, foreclosure costs and attorney fees are noted many times in XXXX consolidated payment history, as well as foreclosure costs/fees being included in the XXXX dated FHA HAMP documentation. From XXXX, per XXXX consolidated payment history, our loan incurred at a minimum, 36 monthly {$13.00} XXXX XXXX, XXXX or XXXX inspection fees, various agent fees, and miscellaneous fees. Due to my poor state of health, that including XXXX issues, I relied on the information I was given by XXXX Home Owner specialist ( s ). I was ensured that I had no need to worry, and that the loan modifications and FHA HAMP modification processes were being followed per the requirements for mortgage servicers and FHA guidelines. We found out in XXXX, that we were not notified given all completed documents. We were not given documentation that modifications were resigned/dated, then filed with the XXXX XXXX Ohio Recorders office , and documents were sent to be filed many months to years after completion. The loan modifications and FHA HAMP documents are riddled with inaccuracies, omissions, and errors that were signed fraudulently by robo-signers. Almost the entire life of our loan has been compromised. My current mortgagor is Midland Mortgage a division of Midfirst Bank. I sent multiple QWR 's in XXXX to have a complete review of all loan modifications and FHA HAMP documents completed by XXXX dated between XXXX. I requested copies of full escrow statements, analysis and detailed payment information from XXXX. I was first instructed to contact HUD, and the FHA Resource Center. Between Midland/Midfirst Bank , HUD and the FHA Resource Center , I was told something different by each person I spoke with. I hung up on and yelled at by HUD employees. I have had several phone conversations with Midland/Midfirst Bank XXXX and HUD regarding the excessive inspection fees, agent fees, miscellaneous fees, and the fraudulent foreclosure/attorney fee ( s ) applied to our loan, that is detailed in the consolidated payment history. My QWR 's and or recorded phone calls detailed my concerns regarding the loan modifications having signatures by robo-signers, who were XXXX employees appointed as Vice Presidents as well as being appointed as Secretaries and Vice Presidents of XXXX XXXX XXXX XXXX XXXX XXXX ), although public records and lawsuits against both XXXX and XXXX confirm that XXXX XXXX did not have any employees. Loan modification/HAMP documents were also notarized by known robo-signers. Additional concerns were relayed re : the assignment of Mortgage from XXXX to Midland Mortgage/Midfirst Bank XXXX The assignment of mortgage being prepared and signed by a known robo-signer, a XXXX employee XXXX XXXX XXXX XXXX From XXXX XXXX both XXXX and XXXX XXXX were involved in multiple lawsuits and the XXXX XXXX Settlement. Their testimonies can be found in public records. Although Midland Mortgage/ Midfirst Bank did reply to my QRWs, all of my concerns have not been addressed, nor replied to in full. I received partial responses and documentation. I was systematically taken advantage of by XXXX during times of distress, my XXXX XXXX and XXXX XXXX, that is still present. To date, I have been unable to receive answers to the questions regarding the loan modifications from XXXX, XXXX, and the XXXX or the FHA HAMP modification as it was outlined to me. They were not processed in the timeframes per the loan modification agreements, nor were they processed and completed per CFPB or FHA guidelines. Below is a shortened summary of each loan modification and FHA HAMP details per the limited knowledge I have : XX/XX/XXXX Loan Modification -The loan modification agreement dated XX/XX/XXXX ( attached ) was between XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had no interest in the debt XXXX was soley a nominee for lender. XXXX has not ever and does not take applications, underwrite loans, make decisions or whether to extend credit, collect mortgage payments, hold escrow for taxes/insurance or provide loan servicer functions. XXXX did not have the ability to enter into a loan modification. Nevertheless, the loan modification was completed in XX/XX/XXXX. It was not submitted and filed to the XXXX XXXX Recorders office until XX/XX/XXXX. The documents submitted have the original notarized signatures and dates crossed out with black marker, then resigned by another XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) employee with a new date of XX/XX/XXXX. I was not notified or sent copies of the amended loan modifications with new signatures and dates. XX/XX/XXXX Loan Modification -Loan modification agreement dated XX/XX/XXXX ( attached ) between XXXX XXXX XXXX XXXX a XXXX XXXX non borrower ) and XXXX. The Interest rate was to be lowered from 6.5 to 5 beginning XX/XX/XXXX. Three XXXX amounts of XXXX were completed. The Loan modification agreement was signed by known robo-signer, and the same person, an employee of XXXX, labeled as an Assistant Vice President, and an Assistant Secretary for XXXX as well as the XXXX Nominee for Lender. Prior to the loan modification completing, {$2500.00} was sitting in a suspense account/unapplied funds. Those funds included the XXXX and XXXX XXXX monthly loan XXXX payment of {$1200.00} each. Upon completion of the loan modification, the two loan payments were never applied to the loan. {$2400.00} was used for accrued interest and {$100.00} for an undetailed delinquency expense. XX/XX/XXXX Filed XXXX XXXX Bankruptcy -Due to the modifications not effectively lowering payments, we were forced to file XXXX XXXX bankruptcy. We opted to make payments and retain our home. On XX/XX/XXXX, one day prior to the bankruptcy filing an assignment of mortgage ( attached ) from XXXX XXXX to XXXX was filed. XXXX XXXX, XXXX FHA HAMP Modification -The XXXX HAMP modification was approved by XXXX XXXX, a XXXX homeowner account specialist in XX/XX/XXXX. A XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX application, all requested documentation was completed and submitted on XX/XX/XXXX ( attached ). I was informed by XXXX on XX/XX/XXXX that I had been approved for a FHA HAMP loan modification, to bring our account that was 5 months past due current. There was not a full explanation regarding the FHA Partial Claim. I was further instructed that NO loan payments would be due until XX/XX/XXXX. Beginning XX/XX/XXXX, I would need to complete four monthly trial payments XXXX XXXX XXXX in the amount of {$1000.00}. After the completion of the trial payments XXXX, the second step of the HAMP Modification would then complete and be in affect XX/XX/XXXX. The second step was not explained. I was sent a loan modification agreement ( attached ) and subordinate mortgage documents ( attached ) to be notarized in XX/XX/XXXX. The subordinate Note was sent separate in XX/XX/XXXX ( attached ). Being clueless as to how the FHA HAMP modification worked and very ill at the time, I relied on the information and instructions I was given by XXXX XXXX. I was told beginning XX/XX/XXXX my payment would be XXXX permanently. XXXX in XXXX, stopped returning emails and phone calls. I continued to receive her automated email reminders to pay the next trial payment. When calling XXXX, it went straight to voicemail. If calling directly into XXXX, I would be re-routed to XXXX XXXX voicemail, or told she was the only person that could assist me and to leave a voice message. In XX/XX/XXXX my account was transferred to another homeowner specialist XXXX XXXX, who contacted me via phone, stating she was now in charge my account, and she was trying to get updated on the account. She stated that she would be talking directly to management, she ensured there would be no continued delay in receiving the completed modification documents. I did not receive the attached XXXX escrow analysis documentation until XX/XX/XXXX, in reply documents to one of my QWRs to Midland Mortgage. There were multiple monetary adjustments made that withdrew funds from the escrow without my knowledge or notification. Escrow insurance taxes and pmi were not paid per FHA modification guidelines, yet advanced escrow interest accrued and was deducted, per the consolidated payment history. No Reply from XXXX -Despite multiple requests to be contacted and provided with status and additional information regarding the completed FHA HAMP , XXXX did not respond. I did not receive copies of the completed and signed loan modifications and FHA HAMP documents that were sent to the XXXX XXXX Ohio Recorders office. My loan was then sold to Midland Mortgage in XX/XX/XXXX. Midland Mortgage/Midfirst Bank XXXX XXXX XX/XX/XXXX loan modification agreement documentation with the XXXX XXXX Ohio Recorders Office in XXXX, XXXX, upon receipt of my loan information being transferred. In XX/XX/XXXX, an analysis completed by Midland Mortgage/MidFirst Bank was completed using XXXX XXXX XX/XX/XXXX escrow analysis that was inaccurate, adjusted/modified without notification and part of the CFPB complaint. XXXX XX/XX/XXXX when we became aware, multiple qualified written requests were submitted to Midland Mortgage a division of MidFirst Bank referencing all of the above. Although Midland Mortgage/MidFirst Bank replied to the complaints in writing. All of our complaint was not addressed. I was informed that they were not the appropriate entity to review, due to the fact that XXXX was the loan servicer who completed the modifications. During recorded conversations with representatives always identifying as customer service employees, I was told that they could not assist me. Midland Mortgage/MidFirst Bank is aware of the fraudulent information and foreclosure/attorney fees associated with the FHA HAMP partial claim XXXX identified in the consolidated payment history. On one occasion, I was told from a customer service presentative that I shouldn't be too upset because only {$190.00} was listed in the partial claim as a foreclosure fee. My response that any funds listed in any XXXX modification or the FHA Hamp modification/partial claim documents calculated with false information would be fraud, making the partial claim null/void, was ignored. Midland Mortgage/MidFirst Bank did not complete a thorough investigation or review, even after being mad aware of multiple inaccurate and fraudulent activity, writing in one response that it would be cumbersome to do so. Partial documentation accompanied their written replies and I was repeatedly informed me that they would be unable to assist me, and I would need to submit a complaint to XXXX.
02/04/2022 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • VA
  • 22191
Web
XX/XX/XXXX. Attention : XXXX XXXX XXXX XXXX I am filing a formal complaint against both XXXX XXXX XXXX XXXX and Midland Mortgage. The reasons for this complaint be it may be stemmed from the builder XXXX XXXX. In XXXX XXXX XXXX Builder was actively erecting a gated community which they called the Parc at XXXX did knowingly form an alliance with XXXX XXXX XXXX in funding the property in question on behalf of myself and XXXX others who were on the mortgage. Cornerstone Home Lending and XXXX XXXX Builders failed to report the complete value of the property post construction to the XXXX XXXX XXXX Department to secure a lower cost to themselves upon closing. A mortgage was formulated based only upon the appraisers report on the said property instead of the property plus land. As a result of that, we were given a mortgage based solely on house tax but not house plus land tax. The mortgage drafted to us upon closing in XX/XX/XXXX was {$1700.00} this was our mothers retirement home after working for almost 30 years she sold her house in New York and decided to move to a warmer state where she can live a house to her liking post-retirement. My mom spent at most XXXX weeks in that house after she signed for the closing and then went back to work at the XXXX. That was the only time she saw it and spent time there. She paid her mortgage to Cornerstone Home Lending on time was never late and since then until in XXXX XXXX, she was being told by XXXX XXXX XXXX that she does not have any money in escrow, and she needs to also get home insurance which she does not have anymore. I was away at school at the time and communicated with my mom every day while trying to find our insurance for the house. I asked XXXX XXXX XXXX why this was the case several times but was never given an answer about it they just kept saying there is no money in escrow and that we need to now get insurance for the house. Cornerstone XXXX XXXX then XXXX up a new mortgage payment for us and told us that we have back payments, and we will now need to pay more on the mortgage. My mom was meeting the criteria for the increased mortgage, but she was not able to make the back payments she was being told that she owed which she could not understand why. Both of us were never given an answer as to why this was the case. The mortgage for the property was then sold in XX/XX/XXXX to Midland Mortgage we were notified by letter to XXXX XXXX XXXX about this after they sold it to them. Midland mortgage immediately stated that we owed {$22000.00} in lawyers fee and back payments. They insisted that the back payments must be paid in XXXX lump sum while paying the mortgage the new mortgage that they gave to us. I would like to add that at the time I informed both Cornerstone Home Lending and Midland Mortgage that my brother was away in XXXX and that his paperwork or input pertaining to the property could not be handled. Midland Mortgage was fully aware of this, so they told us to have my brother file along with us a XXXX document to get refinancing for the house when XXXX gets back. Both my mom and I filed our XXXX form together instead of separate, my brother wasnt present yet so his would have to be filed separately from ours those were the instructions given to us by Midland Mortgage XXXX My brother arrived in XX/XX/XXXX from XXXX and immediately filed his XXXX to Midland Mortgage . Midland Mortgage from XX/XX/XXXX through XX/XX/XXXX kept stating that they can not see our documents and when they found them, they were outdated so we needed to file again and again both my mother and me. They also told me in XX/XX/XXXX that they never received my brothers XXXX form when I eventually called them asking if everything was good after waiting for XXXX weeks for them to upload everything again in their system. The wait time was always XXXX weeks for any fax to be uploaded and after every XXXX weeks, they told us that the documents were incomplete and also at times missing as if we never filed anything or that the documents were expired. In XXXX during that phone call, Midland Mortgage also told me that it was too late to apply for the XXXX application because the house was going into foreclosure. This was a very hurtful thing for all of us!!!!!! My mom broke down so badly this was her retirement home, and she could not understand why this was happening to her. For months later following we faxed letters into Midland Mortgage begging them to allow us to keep the house and letting them know that we found out the original mortgage was based only on land tax but not house plus land which someone told us later. Midland Mortgage never responded, and no more letters came in the mail from the following XX/XX/XXXX. I called them several times asking if they received our appeals they said yes and that was it nothing more. This complaint is being filed because there were several fraudulent acts committed by both XXXX XXXX XXXX and Midland Mortgage. Our neighbors at the time also experienced the same problem with their mortgage which they revealed to us upon the loss of our house. I am submitting several supporting documents : - XXXX. A copy of a mortgage statement from XXXX XXXX XXXX that showed the increased mortgage payment and back payments that they said are owed. XXXX Letters that were dated and faxed to Midland Mortgage appealing to allow us to keep our house. XXXX. Faxed text messages of us being contacted by someone who wanted to purchase the property because we did not want it to have any negative report affecting our credit which we were willing to allow for this reason XXXX. XXXX of the property by XXXX XXXX XXXX back in XXXX. XXXX. A Special Warranty Deed on behalf of Midland Mortgage purchasing the property stating that my mom and myself, were aware of them selling the property which is not true because we were never notified at all. XXXX. Special Warranty Deed XXXX of who purchased the property which is the current owner. XXXX. XXXX of XXXX XXXX for both my mom and me. XXXX. A letter that I faxed to Midland Mortgage XXXX Department requesting for them to send me a letter that I could submit to XXXX so that I could be cleared for my financial aid for school. XXXX. A statement of Fair Market Value about the property from Midland Mortgage was sent to us in the mail XXXX for tax purposes. XXXX. A letter that Midland Mortgage emailed to me on XX/XX/XXXX, as I needed a letter to clear me for financial aid from XXXX because I am accepted to go to medical school this letter was not satisfactory for XXXX. XXXX. A letter from XXXX stating why they did not approve me for the loan. I paid XXXX XXXX on XX/XX/XXXX, to try and clear my credit so that I could get a loan for school from XXXX. I never knew that this was on my credit report until I applied for this loan. I also found out that the house was sold on XX/XX/XXXX, this was what Midland Mortgage told me over the phone on XX/XX/XXXX, for the first time! It was very painful all over again just knowing this. I will note that the Special Warranty Deed on behalf of Midland Mortgage did not even include my brothers name on it only myself and my moms, we were also not given any notices about the sale of the property at all in the mail, email, or over the phone or else we would not have been writing to their tax department appealing for us to keep our house after we found out about the mortgage based only on land tax. On all our credit reports Midland Mortgage listed the price for the property as {$270000.00} as the initial balance. They purchased the property back to themselves for {$220000.00} which they sent to us as a tax document after they did so. My mom paid her mortgage since XX/XX/XXXX every month until XXXX XXXX XXXX sold it to Midland Mortgage which we believe stole our house away from us. Our mother died on XX/XX/XXXX, I am requesting an investigation into this fraud between Cornerstone Home Lending, XXXX XXXX Builders, and Midland Mortgage ; I am requesting to have all reports by Midland Mortgage and Cornerstone Home Lending be completely removed from all of my moms, myself and my brothers XXXX credit bureaus it has caused us more than enough grief! Midland Mortgage said that they will be giving me a supporting letter for XXXX after failing to do so the first time in XXXX, but I have to wait for XXXX month to get it. I also dont know how well they will comply with this request because they so far have not fulfilled any of our requests since XX/XX/XXXX. Midland Mortgage sold the house to themselves at a depreciated value to avoid a suit from lawyers or to avoid paying us any profit they made on the sale of the property. Also, the Special Warranty Deed XXXX for the new owner does not show any the value of the purchase which is to me a non-disclosed agreement because of not wanting the sale price to be public knowledge in my opinion! My mom never stopped saying that they stole her house from her, her heart went into that house every material selected was from her heart and to her liking which was taken away from her very easily!!!! This property also belonged to my brother as it is stated on his credit report as well! He was in XXXX for over a year, and he came back and found out that he was losing his house. Both banks were told of his absence and of his military status, which never made a difference! Midland mortgage purposely left out my brothers name on their Special Warranty Deed and they knew it was wrong and what they were doing, they did not care to do the right thing nor for anyone to know!!
03/31/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • FL
  • 324XX
Web
ARTICLE X SECTION 4 OF FLORIDA CONSTITUTION STATES JUDGMENT CREDITOR CAN NOT FORCE THE SALE OF YOUR HOME TO SATISFY A CREDITORS MONEY JUDGMENT. ( They denied knowledge of homestead owner occupancy yet, it is public record of tax exemption for Homestead property. ) A Florida Homestead Is Not Subject To Probate. Probate proceedings involve only assets subject to creditor claims.The Florida homestead is exempt from creditors, so it is not part of the probate estate. 103327.3757. Notice of default and foreclosure sale. Federal code section 807 of title VIII of s2281, s3757 ) ( I was never served properly of foreclosure proceedings. Since I had applied for Homeowners Assistance Fund and eligible, also had notified them of this, and never properly served ; I was under the impression no foreclosure had been started. ) ( In letter reply from CFPB complaint, they stated they notified me of foreclosure in XXXX and XXXX. Yet this was not at all what they sent. Only stated that if delinquent, foreclosure maybe initiated. ) Mandatory Mediation Whereas, the Supreme Court of Florida has determined that mandatory mediation of homestead residential mortgage foreclosure actions prior to the matter being set for final hearing will facilitate the laudable goals of communication, facilitation, problem-solving between the parties with the emphasis on self-determination, the parties needs and interests, procedural flexibility, full disclosure, fairness, and confidentiality. Referring these cases to mediation will also facilitate and provide a more efficient use of limited judicial and clerk resources in a court system that is already overburdened. Referral to Mediation This Administrative Order constitutes a formal referral to mediation pursuant to the Florida Rules of Civil Procedure in actions involving a mortgage foreclosure of a homestead residence. The plaintiff and borrower are deemed to have stipulated to mediation by a mediator assigned by the Program Manager unless pursuant to rule 1.720 ( f ), Florida Rules of Civil Procedure, the plaintiff and borrower file a written stipulation choosing not to participate in the RMFM Program. Referral to the RMFM Program is for administration and management of the mediation process and assignment of a Florida Supreme Court certified circuit civil mediator who has been trained in mediating residential mortgage foreclosure actions and who has agreed to be on the panel of available certified circuit civil mediators. Mediators used in the RMFM Program shall be trained in accordance with the standards stated in Exhibit 12 attached. Mediation through the RMFM Program shall be conducted in accordance with Florida Rules of Civil Procedure and Florida Rules for Certified and Court-Appointed Mediators. Failure to Comply with Administrative Order In all residential foreclosure actions, if a notice for trial, motion for default final judgment, or motion for summary judgment is filed with the clerk of court, no action will be taken by the court to set a final hearing or enter a summary or default final judgment until the requirements of this Administrative Order have been met. In cases involving a homestead residence, the presiding judge shall require that copies of either 1 ) the most recently filed Form A and the report of the mediator, or 2 ) the most recently filed Form A and the notice of borrowers nonparticipation be sent to the presiding judge by the plaintiff or plaintiffs counsel prior to setting a final hearing or delivered with the packet requesting a summary or default final judgment. The failure of a party to fully comply with the provisions of this Administrative Order may result in the imposition of any sanctions available to the court, including dismissal of the cause of action without further notice. False Appraisal The court shall appoint a disinterested appraiser to assist in its evidentiary hearing unless the debtor and credit or mutually waive the appointment of such appraiser. The appraiser shall take and file an oath that he or she will faithfully appraise the property at its fair market value and that he or she will file assigned and sworn appraisal with the court as required by law. Notice of the time and place of the inspection of the property for the purpose of its appraisal shall be given by the appraiser to the debtor, creditor, and sheriff, at least 24 hours before the inspection is made. ( I was never notified of appraisal and they lowered the value even though inflation and market value has almost doubled. My home is worth almost {$180000.00}. Also they have advertised during latest auction that resale value is {$210000.00}. They are committing tax fraud. The tax website shows they bought the home for {$100.00}. ) e.726.104Value. ( 1 ) Value is given for a transfer or an obligation if, in exchange for the transferor obligation, property is transferred or an antecedent debt is secured or satisfied, but value does not include an unperformed promise made otherwise than in the ordinary course of the promisors business to furnish suppor t the debtor o another person. ( 2 ) For the purposes of ss.726.105 ( 1 ) ( b ) and 726.106, a person gives a reason ably equivalent value if the perso acquires an interest of the debtor in an asset pursuant to a regularly conducted, noncollusive foreclosure sale or execution of a power of sale for the acquisitionor disposition of the interest of the debt or upon default under a mortgage, deed of trust, or security agreement. ( 3 ) A transfer is made for present value if the exchange between the debtor and the transferee i intended b them to be contemporaneous and is infect substantially contemporaneous. History.s.4, ch.87-79. Presumption of validity of sale.Any foreclosure sale held in accordance with this chapter shall be conclusively presumed to have been conducted in a legal, fair, and reasonable manner. The sale price shall be conclusively presumed to b reasonable and equal to th fair market value of the property. Pub.L.103327, titleII, Sept.28,1994,108 Stat. 2316a ( Also the acreage is wrong saying its half the size it is. ) Equity Fl.statue 702.AA.All mortgages shall be foreclosed in equity. In a mortgage foreclosure action, the court shall sever for separate trial all counterclaims against the foreclosing mortgagee.The foreclosure claim shall, if tried, b be tried to the court without a jury. History.RS1987 ; GS2501 ; RGS3844 ; CGL5747 ; s.7, ch.22858,1945 ; s.2, ch. 87-217. ( So where is my equity? They have stripped me of all my equity. ) Minimum Time To Begin Foreclosure ( 24CFR203.606 ). With the exception of the three items listed below, foreclosure may not begin unless at least three full monthly installments under the mortgage are due but unpaid. ( See Chapter 8-7 for procedures with respect to the Assignment Program. ) If the mortgagor is making no Payment Whatsoever, foreclosure may begin on the day after the due date of the third unpaid installment. If the mortgagor is making partial payments, all such payments must be applied, and foreclosure may begin only on the day after three full monthly installments are due but unpaid. ( Forbearance should have ended XX/XX/XXXX ; forbearance is not delinquent. I had not missed 3 months of payments. I had applied for forbearance in end of XXXX, after almost losing my life, and in the hospital for weeks ; they did not know what was wrong with me for months during XXXX. ) 7-12 page 109 NOTE : If At " anytime '' before or after the Foreclosure Committee Review there is a possibility that a loan can be salvaged and an assignment or foreclosure avoided, then HUD expects mortgagees to continue to service the loan and to work with the mortgagors. ( Notified them more than once but did so through XXXX XXXX in XXXX through dispute to credit bureau ; requiring 60 days before final judgment could occur. XXXX Authority to assist in default. They Made No Efforts To Aid In hardship ; even denying hardship request in XXXX from submitted application in XXXX that they denied knowledge of. Reported false delinquency and false totals to credit bureaus, stated I was behind since XX/XX/XXXX, and they didn't even take my mortgage over until XXXX the following year. They refused to acknowledge false information, even with proof in paperwork. All loan statements from XXXX through XXXX stated the due date in XXXX. Credit bureau has already deleted false information after my dispute, siding in my favor. Also the credit report showed in XXXX that the mortgage had been redeemed. ) Count1.31 The FDCPA prohibits debt collector from making false statements, misleading, or deceptive representation to debtors in connection with debt. ( They refused to fix credit report in CFPB complaint after making false statements ) ( Now that they have passed new chances for recovery from HAF, and the mortgage company still owns my loan ; they should have to reinstate my loan, and transfer the title back into my name. Hopefully fixing any and all false information, including credit bureau and charges for time in forbearance. )
07/22/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • GA
  • 30507
Web Older American
This letter is an official complaint against Midland Mortgage ( MidFirst Bank ). Midland Mortgage acquired my loan from XXXX XXXX Mortgage in XXXX of XXXX. I never missed nor was I ever late on my payments with XXXX XXXX until Covid-19. I lost my job, was in a waiting period for social security benefits to start, was abandoned by my wife, and had very little income. XXXX XXXX had already approved me for a XXXX Loan Modification that would lower my interest rate and monthly payment substantially ( from 5.125 % interest rate to 3.125-payment from {$1700.00} to {$1400.00} ) and put the past due amount owed on the loan in a junior lien to be paid at the end of the loan. Through my efforts over the past year to receive that Covid-19 Loan Modification approved by the previous lender ( XXXX XXXX ) XXXX I have had numerous problems dealing with Midland Mortgage XXXX I received a letter from Midland Mortgage on XX/XX/XXXX that all payments on the loan would be paid to them because they had acquired the loan from XXXX XXXX. I called Midland and explained that I had been approved for the Covid-19 Loan Modification from XXXX XXXX. ( By the way-every time you Midland Mortgage you have to start from scratch and tell the new operator your entire story and they never seem to understand all that has happened with your case, so you have to try to explain it all again to a new operator. This happens every time you call them ). I was told that the Covid-19 Modification approved by XXXX XXXX would be honored with the 3.124 % interest rate and the lower payment of {$1400.00} but they would have to request all the paperwork from XXXX XXXX Mortgage XXXX It took nearly a month for them to receive the documents and after not hearing from them I called again ( explained the entire story to a new operator ) and they informed me that the documents from XXXX XXXX were not complete. Problem # 1 -Problems with Documents - They informed me that the documents approved by one lender ( XXXX XXXX XXXX were not sufficient for Midland Mortgage XXXX They told me that the documents lacked a witness on the original notarized papers so they would have to be re-submitted with a witness. They told me that an addendum to the originals would be sufficient, and they would send it to me to get notarized with a witness. No addendum was sent. Instead of an addendum they sent me all new forms, so I had to start the whole process over again and get all the documents witnessed and notarized again. My wife, who was also on the loan, was living in another state so the process took about three weeks to complete. Time was beginning to become an issue because there was already talk of interest rates were going to rise and I had no assurance they would give me the lower interest rate I had already been approved for with XXXX XXXX. Through my many conversations with Midland Mortgage they told me that the current payments were optional until all the paperwork was in order, but that advice was misinformation on their part. I got monthly statements saying I owed over {$11000.00}, then {$14000.00} then {$16000.00} but when I asked Midland Mortgage operators, they told me those were computer generated and that the majority of those charges would be put on the junior lien to be paid at the end of the loan. My frustration with Midland Mortgage started to grow at this point and I was beginning to think that they would stretch out the whole process so that they original Covid-19 Modification would somehow be rejected, and it which turns out my suspicions were true. What started out as an online application turned into a lengthy process with Midland taking an unreasonable amount of time to process because of forms having to be mailed back and forth and it seemed to take forever to get anything done ( weeks at a time ). I submit all new forms with required witnesses, and it would be 2 more weeks for a response. In the midst of all this, my wife and I were going through a divorce and as part of the divorce settlement she deeded the property over to me. Problem # 2 Quit Claim Deed and Divorce- Since my wife and I officially divorced I wanted to get the loan strictly in my name, so I sent the divorce decree and a quit claim deed signed by her that deeded the property to me as part of the divorce settlement, with a request to drop her from the loan. Midland screwed up again. THEY DROPPED ME FROM THE LOAN INSTEAD OF HER. I called Midland again ( one of many calls to a new operator and I had to explained again they had made another mistake ). After about two weeks they finally dropped her from the loan, and I am now the only one on the mortgage finally. Again, I suspected that Midland Mortgage was slowing the process for the Covid-19 Modification so they would not have to honor the previous modification approved by XXXX XXXX. Problem # 3-Deliquent payments on loan modification agreement XXXX XX/XX/XXXX, they told me that since the original loan modification was approved in XXXX I had to be up to date with payments from XXXX to XXXX but they never told me that on the phone previously. They said the paperwork was being processed and payments were not an issue until the approval had been completed. Since Midland has a vast number of operators who answer the phone the problem is that they dont tell you all the important issues about your modification until it is too late. They told me in XXXX that I had to get all my payments up to date by a certain date or the original modification from XXXX XXXX would not be honored. I tried to get the payments up to date but missed the deadline by one payment and by a few days and the latest thing from them is that the original Covid-19 Modification was no longer active, and I would have to re-apply. This is very unfair and unprofessional since Midland Mortgage literally dragged out this process for months and months causing me to miss deadlines that were told to me at the last minute and only when I called them about the modification progress. This has made the possibility of getting Covid-19 relief even more of a financial hardship and of course I will not get the lower interest rate and lower payment that I had been approved for while with XXXX XXXX. Problem # 4-Not getting the original interest rate or payment approved by previous lender. I have reapplied and am waiting to hear from them about the modification. Since interest rates have already risen and I have been denied the modification I feel certain that Midland Mortgage will not give me the lower interest rate of 3.125 plus a payment adjustment from {$1700.00} to {$1400.00}. This is unacceptable and I am writing this complaint because I feel they have denied me of my rights to the Covid-19 modification. Why are mortgage companies allowed to treat consumers this way? What can I do about this? Problem # 5-I have been discriminated against. I feel that Midland Mortgage has purposely discriminated against me, for over a year and has willfully slowed the process down so much that they have denied me the chance to get the original modification approved by XXXX XXXX which was supposed to help me financially. I am divorced ( which lowered my income ), am of retirement age and on a fixed income, am struggling financially, and work a part time job driving for XXXX to make ends meet. Summary- I have researched complaints against Midland Mortgage and there are many. I have read many of the complaints and they list some of the exact same problems as I have had. Taking too much time to process documents, making blatant mistakes on loan specifications, different operators who tell you contradicting information about loan guidelines, and not telling consumers the full truth about their polices. It seems to me that this company is very unethical and bordering on the unlawful with some of their tactics in regard to loan management. What can I do? Midland Mortgage is making it impossible for me to get back on track regarding my mortgage. They have misled me, misinformed me, and discriminated against me regarding my Covid-19 Loan Modification program. If I had money, which I dont, I would pursue a lawsuit against them. Since I am struggling financially the only thing I can do is reach out and file complaints to government agencies to see if anything can be done. Are there any other organizations I can contact my complaints against this company? How can a company operate this way and continue to treat consumers this way? Since Midland Mortgage has made such a mess of my modification, I am going to pursue other mortgage companies as soon as I am able, but with my current situation I am not sure I can get approval considering my financial condition. Is there some place I can get counseling or help with my problem?
11/18/2021 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 34759
Web
Re : XXXX XXXX XXXX XXXX ( XXXX XXXX ) Home Loan # XXXX, XXXX Mortgage XXXX XXXX # XXXX, FHA Case # XXXX, XXXX XXXX CT XXXX FL XXXX and XXXX You are hereby in receipt of notice under the authority of the Fair Debt Collections Practices Act regarding your above referenced file number that part, or all, of the alleged debt is DISPUTED and hereby demand validation and verification, in writing, as follows : XXXX ) An authentic signed contract between you and CLIENT MidFirst Bank XXXX XXXX that you and that person and you are now or were at XXXX time in business together and other supporting documentation that gave rise to the alleged obligation CREDITOR is claiming owed. XXXX ) An authentic invoice for goods and/or services you provided. XXXX ) XXXX, under penalty of perjury that : a. You are the bonafide party in interest of the contract and will produce said authentic signed contract ( # XXXX above ) for my own and a judges inspection should there be a trial to contest these matters. b. The name and address of all persons, corporations, associations, legal firms or any other parties and entities having an interest in the collection or legal proceedings regarding the alleged debt. c. As a debt collector you have not purchased evidence of debt and are proceeding with this collection activity solely in the name of the original contracting party. d. You know and understand that certain clauses in a contract of adhesion are unenforceable unless the party to whom the contract is extended could have selectively rejected the clause. e. You will provide written verification from the stated creditor MidFirst Bank that you are authorized to act on their behalf in this debt collection action. f. You have taken reasonable and prudent diligence to verify that the amount claimed owed is in fact a legitimate debt prior to instigating this action and making said claims, and that all relevant correspondence has been reviewed prior to initiating this claim. g. You will prove that MidFirst Bank is the original creditor, if in fact you claim to be, and that the United States XXXX Federal Reserve nor any other entity besides your organization originated these funds. XXXX ) Production of the account and general ledger statement showing the full accounting of the alleged obligation you are attempting to collect from me, signed and sworn by the person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity, and able to testify under oath to that effect. XXXX ) Under the Truth in Lending Act pursuant to XXXX USC XXXX-XXXXj ( full disclosure ), I have a right to know who the true party of interest in this transaction is. As such, I am asking you to stipulate whether you are the holder in due course for my promissory note. If you are not the holder, then you admit to being the servicer of this obligation. XXXX ) Please also stipulate for the record whether or not the alleged loan has been securitized, and if so, the name of the XXXX the alleged loan is bundled with. XXXX ) If the alleged loan has been securitized, then please provide me the pooling and servicing agreement that names my loan as well as any documentation that explicitly gives you the right to service this alleged loan as well as enforce the promissory note in the event of a foreclosure. If you are hiding these facts from my despite my request, then you are hereby notified that you are committing fraud and shall be named in a wrongful foreclosure civil action. XXXX ) Pursuant of U.C.C. - ARTICLE XXXX -XXXX-XXXX ( b ) XXXX ( XXXX ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in XXXX XXXX. If you are unable to provide this proof as I have requested within XXXX days, then you admit to not being a party of interest and can not rightfully enforce your claim under XXXX. - XXXX XXXX XXXX. If you are unable to provide this proof as I have requested within XXXX days, then you admit to not being a party of interest and can not rightfully enforce your claim under XXXX. ARTICLE XXXX XXXX. XXXX ) Under XXXX Code TITLE XXXX XXXX XXXX XXXX XXXX SUBCHAPTER V > XXXX part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter. XXXX ) I am giving you formal notice that failure to respond to this letter through a verified and validated proof of claim within XXXX days as I have asked for, point for point will be taken as an administrative default. Please be advised. A COPY of the said Note nor an Affidavit of Loss or any other forms will not be acceptable. Please provide me the following : XXXX. A statement admitting whether you are the holder in due course or whether you are a servicer. XXXX. A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. XXXX. The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX this alleged loan was sold to. XXXX. The CUSIP number under which my loan was securitized to. XXXX. Make available for visual inspection my original wet ink promissory note ( not a photocopy ). Please contact me in writing to arrange for an appropriate point of inspection. This is my good faith attempt to resolve this matter before I am forced to litigate against your company. I am pleading with you to resolve this matter privately and civilly as to avoid burdening our courts with this matter. If I have to, I will see you in court. Contacting me again after receipt of this notice without providing procedurally proper validation of the alleged debt constitutes a scheme of fraud by advancing a writing that you know or should know is false, with the intention that the courts and/or others rely on the written communication to impair or damage my credit rating, my reputation, my standing in the community as well as intentionally inflicting financial and emotional harm upon me. I take this notice, and my rights, very seriously and expect Midland to do the same. In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. You may want to obtain a legal opinion on this, but I believe that would constitute a scheme of fraud if this debt were to be resold ; assuming that Midland has in fact purchased evidence of debt in this matter. I also will not respond to any future correspondence that is not signed or does not indicate who at your firm has sent the demand for payment. I expect timely responses to the above confirmations and that they be made in writing and sent via certified mail to the address listed below. Alternately, a letter from your firm that the matter has been satisfied and a copy of the letter you sent to all XXXX credit reporting agencies asking them that any adverse credit reporting relating to this transaction to be expunged by these XXXX major credit reporting agencies immediately. Failure to provide these items shall mean your admission that you have no claim, your agreement not to report negatively to the credit bureaus, and your agreement never to contact me or the person named in your correspondence again. Failure to substantiate the claim, Delete accounts immediately from your XXXX and the XXXX credit bureaus.
08/27/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 770XX
Web
Our original Mortgage was financed through XXXX. Each year from time we bought this home our monthly Mortgage would grow XXXX dollars. I went from XXXX to XXXX to XXXX to XXXX in final. After a few years of trying to figure out why they claimed it was a Homestead issue. XXXX of XXXX I spoke with XXXX and they finally agreed and excepted our Homestead documentation from XXXX. They were working on the calculations to reimburse the over charge amount. In which I just wanted to have it applied to the principal balance. All agreed and they said it would take 30-60 days to make official. XX/XX/XXXX. After numerous calls and told it was still in review, I received an answer that my payments were recalculated and would apply the overcharges and it would change my mortgage monthly amount to XXXX instead of taking of principal. I agreed to that. They will send documentation 7-10 business days. XX/XX/XXXX. Hurricane Harvey hit and ended up being a very bad situation for the City of XXXX. Even though our home did not flood all areas around us did. My project and our office were flooded, and we were all put on unemployment due to disaster. When I contacted them to discuss they said due to Hurricane Harvey they had to put my mortgage documentation on hold, and I would have to wait. When they finally came back to the table, they said we dont have your loan and you will have to address the concern with them ( Midland Mortgage ). So before passing to Midland Mortgage there were balance issue due to Homesteading. So, I had to have that carry over without being able to resolve. MIDLAND MORTGAGE XX/XX/XXXX. I spoke with Midland Mortgage on the phone. Numerous calls to them to get this straightened out. Took along time to get someone to help. Couldnt get a monthly Mortgage amount, didnt have an account number, ect. I was in limbo according to their system. Was told once they review my Mortgage, they will reach out for Mortgage payments. They are treating it as a refinance almost. That is one thing I didnt understand. I was current at that time. XXXX XXXX I believe. Due to the Hurricane, I asked Midland Mortgage to give me a 2-month help. I only needed one month. I explained that Hurricane Harvey had put my project and our company business office under water and was unemployed. I just asked for 2 months to get back to work and I would pay Mortgage and extra to pay off past balance. Goal was to pay off the 2 months in 3 months time. They pushed for me to do a differ and explained that I could choose options. 1- Pay off the 2 payments would be pushed to the end of the Mortgage and dont worry about it. Fresh start. 2- Pay your payments and no help and would hurt credit and would attach fees ect. And there were a few that just didnt work or make sense. They also said they cant differ 1or 2 months it would be minimum of 3 months. I agreed to the 3 months differ thinking it would be added to end of Mortgage. In mean time when I started back to work, I would just pay each much extra to delete that deferment. Then I would be back in good standings like I was before Hurricane Harvey. Every week since I updated them about my employment that I was back working and wanted to pay off what I would be behind. Just need the balance. Never got straight answer. Only thing they would say is your in deferment and its under review. Even though I thought it was complete. They continued the review process and kept saying it will take a few months. I wanted to make payments of the XXXX a month until it was cleared but every time, I tried they said its under review. XX/XX/XXXX. Reason for my high payments was Escrow was not correct ( XXXX ) and some other things I didnt understand. I was told to make a payment and each month forward I would have to call them and explain every time that Escrow was messed up and it was on them not me to fix for me not to be charged fees. XX/XX/XXXX. Finally, got someone to review my Mortgage at Midland Mortgage. Found that there was even more of a change on Mortgage from XXXX to Midland Mortgage. At this point there has been no Mortgage amount to be exact, so I knew what monthly was. XX/XX/XXXX. Sent another signed packet for Loan Modification. Every time send a package, they said review would take 30 days. When contacted them to discuss they would say they need more time. That would end up hurting us because there would be no resolve and they would charge fees while they were doing review. Cant pay something you dont know. XX/XX/XXXX. Did not accept Mortgage payment of XXXX and they expected XXXX XX/XX/XXXX. Midland Mortgage claimed they werent added on the Insurance, so they cancelled my Mortgage. XX/XX/XXXX. Sent another signed Loan Modification packet to Midland Mortgage. Certified through XXXX XXXX. Every time send a package, they said review would take 30 days. When contacted them to discuss they would say they need more time. That would end up hurting us because there would be no resolve and they would charge fees while they were doing review. Cant pay something you dont know. XX/XX/XXXX. Multiple times I tried to clear things up with Midland Mortgage from the balance, Monthly Mortgage Payments, and any Documentation to solidify and end the madness. I have been trying since XXXX. XX/XX/XXXX. Filed Bankruptcy with XXXX and City of XXXX Courts. Only filed this when I was forced by Midland Mortgage to either pay the late balance or they were taking home. Its been on them to give me the details on how we can resolve since XXXX. This was not an easy decision since we only need help with Mortgage. All other commitments were current. XX/XX/XXXX. Midland received Bankruptcy Documentation. XX/XX/XXXX. XXXX XXXX filled out and sent our Loan Modification Application. Lawyer said they had until XXXX to respond. Every time send a package, they said review would take 30 days. When contacted them to discuss they would say they need more time. That would end up hurting us because there would be no resolve and they would charge fees while they were doing review. Cant pay something you dont know. XX/XX/XXXX. Midland Mortgage did Credit Check. XX/XX/XXXX. XXXX Mortgage sent a letter not having enough information. Needed one more pay stub. We resent again. XX/XX/XXXX. Midland Mortgage asked for us to resend Loan Modification Application. Evaluation will take up to 30 days. Every time send a package, they said review would take 30 days. When contacted them to discuss they would say they need more time. That would end up hurting us because there would be no resolve and they would charge fees while they were doing review. Cant pay something you dont know. XX/XX/XXXX. XXXX XXXX requested payment information and balance reports. XX/XX/XXXX Sent another Loan Modification Application. Every time send a package, they said review would take 30 days. When contacted them to discuss they would say they need more time. That would end up hurting us because there would be no resolve and they would charge fees while they were doing review. Cant pay something you dont know. XX/XX/XXXX. Midland Mortgage Received Bankruptcy dismissal letter. XX/XX/XXXX. XXXX XXXX sent Loan Modification Application form his office to help. Every time send a package, they said review would take 30 days. When contacted them to discuss they would say they need more time. That would end up hurting us because there would be no resolve and they would charge fees while they were doing review. Cant pay something you dont know. XX/XX/XXXX. Sent me a letter that Mortgage was changing from XXXX to XXXX In which we dont know why or where this came from. XX/XX/XXXX. Midland Mortgage sent me a letter saying Im on a Pandemic Short Term Assist Program in which I did not ask for. Remember I am still trying to close this Mortgage issue. XX/XX/XXXX. Midland Mortgage sent a letter saying Loan Modification is not complete again. All due to a missing pay stub. XX/XX/XXXX. Loan Modification needs more information for the application. Pay stub again. XX/XX/XXXX. Found out Loan Modification was denied due to needing a paystub.
05/28/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • LA
  • 708XX
Web
During the Covid crisis, I applied for forbearance due to lack of work and the inability to pay the mortgage. When I applied for the this process, I was told all payments will be held and the total that was held during the crisis will be tacked on to the back of the loan. I was also told that once I'm ready to start payments again, I will be able to apply for a loan modification program. I contacted Midland Mortgage in XX/XX/XXXX to let them know that I was now working and wanted to apply for a mortgage modification program. I was sent an application for the loan modification and I was approved. They sent me a XXXX package that explained my new mortgage rate of 3.125 % making my mortgage payments much more affordable. I went to the notary to have the necessary papers notarized. However, I was unable to do so because the spelling of my middle name was different than what the spelling of my middle name is on my driver 's license. I contacted Midland mortgage to make them aware of the incorrect spelling on the papers they sent for notarizing and they requested that I send a copy of my drivers license, and SS card. These items were emailed to the email that was given to me for correction on the document. A couple of week passed and had not received the loan modification packet with the correct spelling of my name. Being that getting this notarized was time sensitive, I contacted Midland again to inquire about the due date was only a couple of days away and if it would effect the terms of the agreement that was listed on the paperwork. I was told by the representative that I can just mail the payment listed on the documentation and to send the modified documents once they are notarized which would complete the required paperwork for the loan modification. I mailed a payment for XXXX and XX/XX/XXXX when I was called stating that additional documents were needed. I called Midland to find out what paperwork was needed and they stated that they needed a copy of an electric bill. I explained to them that all the required documents that was requested were sent which is how I was approved for a loan modification agreement which I signed, notarized and made XXXX payments for already. The representative stated that she would look into the matter and contact me with information. When they contacted me a week later, they stated that my loan modification application was denied do to it not being received on the due date. I explained the the representative about the misspelling of my name, the required documents that were sent to validate the correct spelling of my middle name and that I was told that the notarized documents were sent to me too late to meet the initial deadline. I also explained that I was instructed to make payments and the documents would be excused for tardiness because it was not my fault that my name spelling delayed the process making my application tardy. I was told again that they will looking the matter. Their response to the application being denied is because I did not sigh the AKA name ( XXXX XXXX XXXX ) and I only signed XXXX XXXX XXXX. I explained to the worker that the instructions did not say to sign all the names listed above, it just stated to sign the first, middle, and Last name out and do not leave off ( XXXX XXXX XXXX etc ). She stated that they have been having this problem with a lot of notary personnel not have the client sign all the names listed. I then told her that both the notary and I read the instructions and it stated nothing about signing ALL names listed above. Every week I received a phone call from Midland Mortgage and I've had to explain this story over and over again. They requested more information to be sent, and I sent what was requested but the representative would say they couldn't locate it or the conversations that I had with previous workers. I've been trying to get someone to look into this matter but every time they do, I'm asked to jump through another hoop. I asked each rep if they can send me an email about what was requested and the instructions that was given to me because every time I get another rep call, they have no idea what was said and can't locate any notes from previous conversation. I asked her how do I get proof of what was said in regards to the next step needed to complete the process of my initial agreement. She stated she's not allowed to email that information, and that she can only give me her name and call number. One representative told me that my initial application is denied and I would have to complete another application with a much higher interest rate than the initial one. I've talked to 2 different representatives XXXX and XXXX who have expressed to me that they see that I submitted numerous documents that were requested and can see previous conversations with reps and they could not understand why my initial application was denied. I've emailed the XXXX XXXX and haven't had any luck in getting the issue of my initial application resolved. I feel as though this company is jerking me around and now that interest rates have gone up, they want me to complete an application with a higher rate. I've also received a letter stating that I will lose my house if I don't pay over $ XXXX by XX/XX/XXXX although I was approved for the covid forbearance program which was supposed to take all payments not made during the Covid crisis to the back of my loan, now they are requiring that I come up with a large lump sum of money. I am desperate to get answers from someone who give me what was promised or said would resolve this issue in writing. I spoke with someone on XX/XX/XXXX and she said that she see notes stating that I was told to send payments of {$380.00} for the months XXXX and XXXX and that would lock in my initial agreement. But I was told to hold off on payments until a decision was made concerning the application. I explained to her that if that were the case I would have BEEN sent payments and that I am willing to send payments now. I am utterly frustrated and need some answers on the initial application. I can not afford to lose my property or pay them over {$11000.00} by XX/XX/XXXX. Can someone please help me with this mind boggling situation? I've gone on XXXX website concerning Midland Mortgage and saw 100s of complaints concerning this company and how they have gone through the same situation I have and some have even lost their homes. This company is another XXXX XXXX and need to be investigated. They say the record all phone calls so I would request that they listen to ALL the phone calls made to me which will explain everything that was told to me on how to keep my house and for the agreement to be honored from the initial notarized loan modification paperwork
08/20/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IL
  • 60451
Web
I purchased our home in XXXX, XXXX. At the time of purchase, the house was placed into an Illinois land trust, to which my wife and I are beneficiaries as tenants by the entirety. An assignment of beneficial interest, in a form that was approved by the lender, was executed at the time of sale, and the mortgage and title appear on record as to the trust. -------It is important to note that the trust was set up to keep our residential address from the knowledge of my XXXX former XXXX, who is a XXXX XXXX XXXX, and who has made XXXX XXXX from XXXX to XXXX XXXX and XXXX XXXX (her XXXX), in violation of an order of protection. Those threats occurred during our marriage, and were not his first violations of the order of protection. He also on at least one occasion recruited his XXXX to harass my XXXX and XXXX XXXX. -------The loan was initially serviced by XXXX XXXX, and I was always current on every payment, having never made any payment after the due date. On XXXX XXXX, XXXX, I changed jobs and was suddenly terminated without cause after eight days on the job. Even though my mortgage was current, the loan was sold to Midland Mortgage. -------My unemployment persisted, and I applied for and received an unemployment forbearance. I paid the forbearance payments timely. On XXXX XXXX, XXXX, I started a new job, and in compliance with the instructions sent when the forbearance was granted, I notified Midland on or about XXXX XXXX, XXXX, while I made another forbearance payment. I sought a loan modification to push the past due payments into the loan. -------Midland instructed me to fill out paperwork for a loan modification. I duly complied, and sent Midland the requested paperwork. Midland responded by REFUSING to modify the loan unless the trust quit-claimed the deed into my name. Midland would also accept no further forbearance payments from me. My statements about the reasons for the trust were ignored, and I was told -- falsely -- that the quit-claim deed was a HUD requirement. -------At that point I hired an attorney, spending money to do so. She thoroughly investigated the law, and verified that HUD has no such requirement for a quit-claim deed. Specifically she cited Rule 4000.1 and noted that no title requirement exists that requires me to quit-claim the house out of the trust and expose my family information to a XXXX XXXX XXXX. I gave my attorney formal permission to discuss with Midland, and she wrote Midland an explanatory letter on XXXX XXXX, XXXX, including along with that letter copies of the documents that proved that there was no legal requirement, and that the collateral assignment of beneficial interest had been duly executed. My attorney even offered in writing in the letter to execute a second collateral assignment of beneficial interest that specifically named Midland. -------Subsequent to that letter, Midland began repeatedly calling my house phone on a daily basis. These calls persisted. I answered or returned one of these calls (I do not remember certainly) and again tried to make a forbearance payment, but Midland refused to accept it, stating that accepting the payment would jeopardize the modification process. On XXXX XXXX, XXXX, my attorney reached the title department at Midland (they refuse to give my ATTORNEY a contact in the Midland legal department), and was told that the matter was under review. -------I then received a letter on XXXX XXXX, XXXX, in which Midland said the matter was under review. The letter was dated and postmarked XXXX XXXX, XXXX. The next day, Saturday, XXXX XXXX, XXXX, I received a SECOND letter from Midland, this one dated XXXX XXXX, XXXX but postmarked XXXX XXXX, XXXX, that declined my modification because I did not quit-claim the house. I forwarded these letters to my attorney, who began intensive efforts to contact someone at Midland who had knowledge and actual authority to handle this matter. -------Then, on XXXX XXXX, XXXX, Midland called my house phone again, and then about one minute later my other phone. I picked up the phone and the woman calling demanded $XXXX.XXXX for a "trial period" payment supposedly due on XXXX XXXX. ***At no time did I ever receive any notice of any kind regarding a modification trial period!*** I told this fact to the calling party, who placed me on an extended hold. I was then told that the modification FOR WHICH SHE TRIED TO COLLECT MONEY was still not approved. -------I was also told that I still needed to quit-claim the house out of the trust for a modification to be considered. I again mentioned that my attorney had looked into this and there was no requirement to do , and this is a Federally administered program for which Midland was inventing restrictions. Moreover, I noted again that we were trying to protect ourselves from a XXXX XXXX XXXX. She stated that we could leave the trust on the home as a co-owner. i explained that does no good since our names would be on the public record with the house address. I said that I could not compromise my family's safety; the Midland employee seemed unconcerned. --------------In summary, I am unsure if this whole mess is just a series of colossal miscommunications, or if we are dealing with an effort to avoid the modification and force us out of our home. Given that at least one of the statements made to me by a midland employee was actually false, I tend to believe the latter. -------1. Midland has placed derogatory marks on my credit record that do not reflect the true state of the account. -------2. Midland has acted to exacerbate the default by refusing to accept forbearance payments -- thus becoming the sole cause of any delinquency on that plan. -------3. Midland has made plainly untrue statements about a HUD requirement to quit-claim the house that never existed. -------4. Midland tried to collect a "trial" modification payment, for a modification that was either (a) approved but I was never notified, which made me unaware of any requirements; or (b) declined for an unlawful pretext. In either case, Midland exacerbated my default, and I am on the precipice of filing for Chapter XXXX relief, which will ruin me personally. -------5. I am XXXX years old, and being placed into this position is stressful. I have multiple medical conditions, including a serious XXXX XXXX for which I am on XXXX medications, without which I will XXXX. -------I, XXXX XXXX. XXXX, do on the pains and penalties of perjury as set forth in 28 USC § 1746, do hereby swear and affirm that the facts above are true and complete and to the best of my knowledge./s/XXXX XXXX. XXXX/s/
03/11/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • ND
  • 58103
Web
To whom it may concern : I am writing to day to to explain the last 4 yrs. of life and the hardship my son and I have faced. My son and I are both on XXXX and we need help from HUD or a lawyer. I believe our rights have been violated and we need someone's help. If nothing else just help us save our house. In XXXX my husband came to me and told me that the bills were piling up and he wanted to refinance the house. He told me he had looked at lenders and XXXX XXXX said they would help. When XXXX XXXX came back with the loan material I was not on the note. They offered to move him from a 15 yr loan to a 30 yr loan. Plus he would pull out equity to pay down bills. I didn't think this was a good idea I had been on the note for 15 years ; and now you want to take me off it? The gal on the phone explained to me I would have just as many rights as my husband. I would still be on the mortgage. I asked for time to think about things for a while. ( My credit was not that bad, I was working full time and bringing in XXXX ) The agent called two days later and said if we didn't sign the paperwork deal was off the table. Pressure from XXXX XXXX and my husband, I signed the forms but didn't realize just how much I was really giving up. This has been MY home since XXXX. My children and I moved into the house in XXXX before I married my husband. My mother even helped with the down payment along with the XXXX of XXXX. In XXXX I was released from my job due to illness. Doctors had discovered XXXX XXXX in my body. My knees are bone on bone and I need XXXX plus chronic pain. In XXXX of XXXX I found out that my x husband was involved in illegal activity so filed for divorce for my own protection. It was then that he left the marital home. I reached out to XXXX XXXX to ask for help and they wouldn't even talk to me. They didn't care because I wasn't on the note. Get a divorce call us then ; but pay the loan if you want to stay there. I continued with the divorce but my x wouldn't sign the paper work. He stopped making payments on everything. I was forced to run the divorce in the news paper for six months. I was finally granted a default divorce in XXXX of XXXX. The judge gave me the house back free and clear of of my x husband. He also issued a decree stating that if he did not sign a quick claim deed a summary of real estate would be granted by default. The county removed his name from the title on the home. By this time I had exhausted my XXXX and any unemployment benefits I had. On top of dealing with medical issues. Even though I called XXXX XXXX and asked to speak to someone about a modification I was denied. They wouldn't discuss anything with me because I was not on the note. I spoke to XXXX XXXX lawyers assistant and I provided them with my divorce decree. She assured me they would talk to me now because I was a Successor of InteresXXXX due to my divorce. They never did. The loan went to collections immediately ; and sold to XXXX XXXX in OK. XXXX XXXX XXXX XXXX Mid First Bank obtained my loan in XXXX of XXXX. I reached out to the bank to discuss a modification ; but they wouldn't talk to me either. It was the same story, you are not on the note. Meanwhile the foreclosure had started and the sheriff was coming to my home. How humiliating. I was getting no where with the courts, lawyers or bank. Even HUD wouldn't talk to me. In XXXX of XXXX I lost my mother to XXXX nothing seemed to matter at this point. I reached out to a realtor to sell my home in XXXX of XXXX. I was denied the right to sell. I was not on the note. My realtor resent my court documents of the divorce, Summary of Real estate & my taxes. XXXX XXXX would not budge and denied us the information we needed to proceed. They insisted on a Quick claim deed from my x husband. In XXXX pandemic hit ; I called in the end of XXXX and I was shocked when the man on the other end of the line was willing to speak to me. He granted me XXXX relief and I was ever so grateful. I also asked him what had changed ... Why was he talking to me now? He informed me that I became a ******Successor of interest in XXXX of XXXX!!!!! I asked him to send documents showing this. I requested the full amount of XXXX protection for myself and my son. I don't think we should have been granted this as we were already over the allowed days to get after the protection ended. My XXXX was granted in XXXX of XXXX. The judge informed me that my payment would start in XXXX of XXXX. This was great news!! My son and I want to stay in out home. Our combined incomes should allow for this. We have been here for 19 years does this mean nothing? My XXXX protection was going to be up in XXXX the same time that my XXXX would start. I reached out to XXXX XXXX in XXXX to get things started. Assumption paperwork was sent out but my signature and income wasn't enough? Things were never right they played with me like a mouse. I was told to put insurance in my name instead of my x husband 's name as a stipulation to assumption. Then they stated a modification couldn't be granted without the assumption. Or vs versa Then they wanted the outstanding paid off but if course we couldn't do that. We had been living off of my son 's XXXX for a year and a half. There was also an instance where my id didn't match my social security card so they wouldn't accept that. I had to go change my name on my ID so things matched Things were so frustrating working with customer service agents. Birth certificate were requested. I filled out two forms for an assumption one in XX/XX/XXXX and then another in XX/XX/XXXX notorized both. This assumption and modification have been denied. I was told to talk to HUD. We just went back to court on XX/XX/XXXX and the foreclosure had been accelerated. My x husband did not appear in court. We need help!!! This has been a horrible experience. This is why the courts put this law in place to protect the successor of interest. Both banks denied me this right. Now rates have started to increase. If the assumption would have been done in XXXX we would have had a better rate. My son and I should be allowed to apply for homestead rights. My son is fighting for his home I am just his voice. It is in his benefit to stay in his home. XXXX XXXX Sent from XXXX Mail on XXXX
09/14/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30238
Web Servicemember
Re : loan number XXXX On XX/XX/XXXX, after applying for a VA loan, I was denied due to inaccurate reporting by your company XXXX XXXX a division of Midfirst bank. Your company is reporting to all three credit bureaus that I have been making my mortgage payments late for the last 11 months through XXXX. In addition, your company has been charging my account late fees on those payments. The matter of late fees had been settled on XX/XX/XXXX when I paid XXXX {$280.00} to bring my account current of all late fee charges. It was my understanding if I paid the {$280.00} in late charges you would update my credit file account as current and removes the late payments from my credit file. To date that has not happened. In the transaction history, that I am able to access on your website, and the detail history sent to me by your company, there is no record that any additional payments having been made. Although the money was taken from my bank account, XX/XX/XXXX, one day before the regular ACH withdrawal was to occur ( see attached In fact, after reviewing the transaction history on XX/XX/XXXX I noticed while I am paying more than the payment amount of {$580.00} ( I have been paying {$650.00} ) the difference of {$70.00} is being charged back to me as late charges. You are reporting that I am paying my mortgage late. In actuality my mortgage payments were and have been made on the XXXX of every month before the monthly due date through the ACH. According to The Consumer Financial Protection Bureau : 1005.10 ( a ) ( 2 ) Crediting A financial institution that receives a preauthorized transfer of the type described in paragraph ( a ) ( 1 ) of this section shall credit the amount of the transfer as of the date the funds for the transfer are received. '' Although, XXXX has been receiving the payments, you have been, distributing the payments in two parts with the second disbursement of the mortgage paid after the due date around the XXXX of the month or later incurring a late charge and reporting to the credit bureaus as late. For example a letter dated XX/XX/XXXX from you XXXX the letter states you have not received my mortgage payment for XX/XX/XXXX. The letter shows what the payment was supposed to be {$650.00} and assessed a late charge for XX/XX/XXXX in the amount of {$26.00} with a previous late charge of additional {$26.00} bringing the total for my XX/XX/XXXX mortgage payment to the total amount of {$700.00}. The payment was made onXX/XX/XXXX was the first late charge was assessed on XX/XX/XXXX ; However, I was being charged additional monies for " Previous unpaid late charges ''. In contradiction to the transaction history I had a XXXX balance for late fees. After speaking with one of your representatives named XXXX on XX/XX/XXXX I was informed, according to your records in XXXX I had elected to have my mortgage paid through bi-weekly drafting paid in two parts on the XXXX and the XXXX of the month. Even though the ACH payment set through my bank is on the XXXX of every month. Furthermore, I was informed that even thought I pay my account monthly I never informed XXXX on how to apply the payments, and I would need to contact the ACH processing department to instruct them on payment disbursal. I was given the names and telephone numbers of three companies XX/XX/XXXX, XX/XX/XXXX and XXXX because the service representative could not tell me which ACH company serviced my account. XXXX XX/XX/XXXX took it upon itself to hold the payments that were being made and then distribute the funds at a date of your choosing. The funds should have been allocated specifically towards the principle and interest of my mortgage with any additional funds held in escrow. Again, according to The Consumer Financial Protection Bureau Your company was supposed to contact me if it noticed an error was made or to request clarification on how the funds were to be disbursed : 1005.33 ( b ) ( 2 ) Request For Documentation Or Clarification. Request for documentation or clarification. When a notice of error is based on documentation, additional information, or clarification that the sender previously requested under paragraph ( a ) ( 1 ) ( v ) of this section, the sender 's notice of error is timely if received by the remittance transfer provider the later of 180 days after the disclosed date of availability of the remittance transfer or 60 days after the provider sent the documentation, information, or clarification that had been requested. As the a conscience consumer it is my responsibility to make all of my payments in a timely manner. I expect my payments to be reflect being paid in that manner as well. XXXX has failed to do this and through your erroneous reporting and confusing and complex style of record keeping it has caused me great financial harm. In fact, because of XXXX 's erroneous and chaotic reporting system every effort I have made have my home refinanced to another mortgage broker or modified through the HAMP or HARP programs all have my efforts have been blocked by XXXX. For example XX/XX/XXXX my application for assistance through XXXX XXXX for the HARP program was denied. Even though my home was then and still underwater. It is only now that I am aware that my mortgage payments were and are being held as unapplied funds and faulty record keeping is the reason why I was denied. In XXXX I was able to refinance with XXXX for a lower interest rate at the original purchase price of the home. After 9 years of paying on the home the difference was equal to the exact amount of closing costs you were charging. In reality you XXXX XXXX charged me excessive fees close to {$5000.00} to to refinance on my mortgage on a note you already held. Because or your reporting my credit score is low and I am being denied credit credit opportunities. I would like my credit report corrected by XXXX and then I would like to have the excess money that I have been paying in late charges returned to me as well as the {$280.00}.
03/31/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IL
  • 608XX
Web
Due to Covid and a health crisis I suffered, I was put on forbearance. Once my forbearance period was nearing the end, I reached out to Midland/Midfirst for mortgage assistance options. I was presented a loan modification, however, the payments were unaffordable. *On XX/XX/XXXX I spoke with XXXX Midland/Midfirst XXXX XXXX ID # XXXX & # XXXX. I was advised to submit a traditional hardship application due to my circumstances by agent # XXXX ( which was in the loss mitigation department ). He assured me that I would be protected from foreclosure, and any negative reporting to Midland/Midfirst and all credit bureaus. *I called several times afterwards to speak to Midland/Midfirst reps just to get more clarity on how to complete a hardship application and what my options, because I wanted to stay in my home. I was then advised to contact a HUD agency to further assist me. I did exactly that. I was told all my loan modification app was still active and would remain an option just in case the hardship app results did not work out in my favor. XXXX XX/XX/XXXX, I submitted a traditional hardship application per the advice of agent # XXXX. I just want to note that I spent at least XXXX hours working on this application. I attached XXXX documents per their request. They acknowledged receipt via email on the same day. XXXX XX/XX/XXXX or XX/XX/XXXX My HUD XXXX and I called to Midland/Midfirst to get an update on the status of the application as it had been around XXXX weeks since I submitted it. This is at least the second time I called to get an update on the application. Again, we spoke with XXXX agents, ID # XXXX and then was transferred to agent ID # XXXX. They told me XXXX conflicting things regarding my application status. They also conflicted with what was told to me on previous calls. We were put on hold for extended periods of time, only to be told there was an error made on behalf of Midland/Midfirst. The agent # XXXX was profusely apologetic and said that the documents werent acknowledged due to an error. She didnt go into much detail. Again, I was assured by the agent that I would be protected from foreclosure, and any negative reporting to Midland/Midfirst and all credit bureaus. I was told all my options would be kept open meaning my loan modification app was still active and would remain an option just in case the hardship app results did not work out in my favor. *On XX/XX/XXXX I called to get a status on my application that I submitted in XX/XX/XXXX. I spoke with agent ID # XXXX, and she said that my application was denied and closed because they never received any documents from me! She told me my account was in foreclosure due to failure to submit documents. She kept saying I never submitted any documents. She isnt the only agent that said something like this to me! She put me on hold again per usual several times and all for LONG periods of time, only to come back and said there was yet another error made on their part. She stated that BOTH my hardship application and load modification was accidentally closed back on XX/XX/XXXX after I spoke with the other reps. She told me she was very sorry and that she was uploading my documents as we speak, and that it would be XXXX days for them to give me an update. She explained that my account was now considered behind and was not protected and would be reported the credit bureaus as late. I explained to her that this was totally unacceptable and requested they reconcile the status of my account due to THEIR repetitive errors. She said there was not much she could do, but she could transfer me to upper management. At this point I am feeling beyond misguided, confused, and violated. Again, every single time I spoke to a rep, I was told my account was under review and that I would be protected from foreclosure, and any negative reporting to Midland/Midfirst and all credit bureaus. I was told my loan modification app was still active and would remain an option just in case the hardship app results did not work out in my favor. I was then transferred to agent ID # XXXX and she admitted that I was misguided. She placed me on hold several times and later she explained to me that once they accidentally closed my hardship application, I was no longer protected from foreclosure or negative reporting. She told me to call back on the following week as she was going to try to reconcile my account. In the meantime she advised me to be re-reviewed for a covid modification. *On XX/XX/XXXX I called Midland/Midfirst with my XXXX counselor to follow up as advised. We spoke with agent ID # XXXX and she gave me even more conflicting information. At this point, it was evident that one hand didnt know what the other was doing. She explained that when my covid assistance application was closed by agent # XXXX, my protection ended! NO ONE EVER EXPLAINED THAT TO ME! I was assured over and over and over that I was protected! She also explained that Midland/Midfirst was only able to review 1 assistance program at a time! XXXX XX/XX/XXXX I then received the EXACT same hardship application in the mail as if I never submitted XXXX. The agent # XXXX just told me that she uploaded those same documents??? XXXX XX/XX/XXXX I received yet another identical hardship app identical to the one I previously received an submitted which was labeled Your application Status : INCOMPLETE. *On XX/XX/XXXX I also received a letter labeled, Your application Status : COMPLETE! This is on the SAME day! At this point, I am beyond disappointed, frustrated, and confused. The company has very poor communication. I called several times to inquire about the status of my application, and EVERY rep asked of me assured me of protection and stated my account was under review. I was mishandled, misguided, and misinformed. There were so many conflicting updates as assurances. I feel my mortgage lending rights were violated and I need clarity and reconciliation.
09/21/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Payment process
  • VA
  • 23453
Web
My service provider who is Midland Mortgage company is deliberately reporting a higher balance on my mortgage balance by not updating the accurate amount I truly owe. I purchased my home in 2019 over 4 years ago. I was paying on my loan before covid struck and my loan was sold from XXXX XXXX to Midland in the process. During covid I received financial assistance from VA Mortgage relief program, over XXXX towards my loan. Va relief program is assistance through the government and became authorized users on my account for payment. My first award was XXXX which I will attach proof. The relief program went up on the cap amount assistance and I was able to receive additional funding in relief. I am aware of the escrow which is my interest, taxes, and home owners insurance. My interest rate is only 4 %. However, even if Midland mortgage states only half of the XXXX XXXX dollars VA relief provided went towards my loan balance that would still have me my loan balance way less than XXXX dollars if I started at XXXX. That's not including money I paid towards my balance as well, it's impossible to have me close to the same balance I started at 4 years ago with the aid of $ XXXX XXXX dollars. Currently when I informed Midland mortgage that they are not accurately updating a lower balance because they are showing only XXXX dollars have been applied to my mortgage balance over a 4 year timeframe, Midland mortgage customer service representative stated because only {$100.00} dollars goes towards my balance a month. That is complete insanity, dishonest, and incorrect. She placed me on a long hold and was confused and stated herself something isn't right. Midland mortgage litigation team has not corrected the adjustments and is leaving the matter unresolved. My mortgage is over XXXX dollars a month and she started only {$100.00} dollars is being paid to my mortgage balance. The government already placed over XXXX dollars towards my balance. If Midland mortgage customer service rep math is possible that would indicate XXXX dollars annually goes towards the principle and my mortgage payment is over {$1200.00} a month meaning XXXX payment for the entire year is applied to the principal it Doesn't make sense??? .... my complaint is... it's not true, and why is my service provider who is suppose to be the expert in finances incorrectly reporting incorrect figures to hinder the homeowners such as myself and others. More than {$100.00} goes towards my balance and this needs to be resolved. Midland mortgage goes up and down on numbers when my mortgage interest rate is fixed at 4 %. I don't know how long they have been only placing {$100.00} dollars towards my principal but all numbers needs to be fixed immediately. In addition to inaccurate balance reporting, my service provider Midland mortgage is abusing me physically and mentally. Midland mortgage are sending people to my home under their 3rd party preservation department. The first time they sent the unknown company to my home the individual climbed over my fence, went looking into my windows which caused me to fall trying to find my cell phone to call XXXX. I fell badly running in fear, I was XXXX just out the shower when I noticed the intruder on my property. The trespasser left a notification/note with no identification saying please contact your service provider. I was afraid for my life because the person did not ring the doorbell and didn't have authorization to climb my fence. This is against the law and called trespassing and invasion. When I contacted Midland mortgage to inquire about the trespasser they sent. Midland mortgage stated that they did not have to inform me of the company they use and refuse to give me any information, it's my legal right to know and their duty to announce themselves when coming to my property to check anything or leave any notice. Midland mortgage should be held accountable for injury fees, pain and suffering, as well as violating my privacy while XXXX. Later, I started to receive harassing text messages from their third party preservation team. Midland mortgage does not accept accountability for my fall and injury when it's their fault and said it's out of their control for sending a peeping preservation team to my home while XXXX. The text messages was asking me to sale my home and they can help me if I am struggling to make payments on my home. Every time Midland mortgage sends the peeping preservation perverts to my home to illegally gain access by jumping my fence and stalk me through my windows XXXX the text messages starts back up all over again. Midland mortgage also calls my phone excessively many times a day, everyday when they are well aware VA mortgage relief program is authorized on my account. Midland mortgage refusing to reveal their 3rd party identity that they keep sending to home to trespass on my property, invade my privacy, and harass me with text messages trying to force me to sell my home is not only aiding the crime but condoning it as well. Midland mortgage excuse for the problem is they are not in my area and the company they refuse to identify is at fault and not them. We are living in terrible times and it's not safe for a single woman or unknown people who refuse to identify themselves to trespass on other people property. Midland mortgage is jeopardizing my safety by sending people to my home and refusing to inform me of the company they are using so I can inform the police. I can't take action against the crime because Midland is refusing to provide me information of who they sent. Midland mortgage is withholding information of a crime they committed against me. Multiple occasions I have reached out to Midland seeking a call back from their preservation team and information on who they're sending to my home and they have refused and ignored my safety concerns, fears, and rights to that information. When they do call it's to harass me about when will Va mortgage pay their next payment.
11/03/2022 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
  • 77433
Web
I requested assistance with my mortgage loan which was granted either in XXXX or XX/XX/XXXX from financial difficulties associated with the XXXX pandemic. In XX/XX/XXXX or XX/XX/XXXX I contacted Midland mortgage to review my account. Spoke with a rep named XXXX XXXX she said the review would take 60 days to review and I would be contacted by Midland for next steps. XXXX XXXX Still no update received. Statements indicate a late fee charged. Called and unable to recall rep name- review not received and resubmit request again- wait another 60 days for next steps. In XX/XX/XXXX I received a notice saying I needed to contact Midland before foreclosure proceedings were initiated. Spoke to another rep stating I need to initiate loan modification to keep my home and documents would be sent to me. I looked online, saw document and filled out to submit. Explained that I was no longer with husband and I would be handling all things related to loan going forward. Submitted all requested documents to avoid foreclosure in addition to hardship statement. a few days later received an email stating documents were not received, uploaded a second time. Attempted to make a payment online and calling rep- told I could not make any payments during this time because the information on the account would not be accurate but I was still under the XXXX relief plan so no action would move toward foreclosure and no fees would be incurred. Called back about a week later for status on account- told that estranged husband would need to sign documents for loan modification. I advised rep that I had not seen or spoken to spouse since separation in late XXXX. Rep said we want to help but unfortunately we can not process even though he is not on loan due to state laws. I asked for remedies to keep my home, she advised locate husband and ask to find him, file for legal separation, or outside financial mortgage assistance programs. Asked how long that would take she had no answer. I asked status of loan, she said was due to be referred for foreclosure review XX/XX/XXXX. I withdrew {$20000.00} from XXXX to save my home from foreclosure initiate given no other alternatives. On XX/XX/XXXX I called to make payment of {$20000.00} Initial rep told me event with this amount of payment, my loan would still be submitted for review on XX/XX/XXXX. Asked to speak to XXXX- connected to XXXX XXXX he advised I needed to pay {$20000.00} confirm # XXXX. Total due on account {$28000.00}. After payment remaining balance {$8500.00} and that my account although would remain with foreclosure review team I would be ok because this was a significant payment and I was still not incurring any fees or lay charges. On XX/XX/XXXX I called to make payment- {$2900.00} confirm # XXXX rep said it would cover three payments XXXX XXXX XX/XX/XXXX. Four payments remain XXXX XXXX XXXX XXXX {$5500.00} and still not incurring late fees or charges. I applied for an auto loan on XX/XX/XXXX at two different dealerships and was told due to credit, I would not be approved. I requested the first credit report to see what was on it, I've never had a problem obtained auto funding before. I see that Midland had not reported any payments made to XXXX or XXXX and reported my account as CLOSED to XXXX. Called on XX/XX/XXXX and spoke to XXXX XXXX. payment made {$4100.00} confirm XXXX for three payments {$1300.00} each. Spoke to him about credit reporting and I experience direct adverse reaction from auto lenders based off their reporting. He said " my type of loan '' has caused a lot of problems for lenders with the XXXX XXXX and that my previous lender was not reporting my loan so they would not either. I told him that if their current practice was to report, then they should report regardless of what the preview lender did. This was not true by the way- the previous lender did report to credit bureau XXXX We spent several minutes on the phone reviewing the balances changing over time and fees added to account. I asked several times when the XXXX relief plan was removed from the account and he changed the dates several times- unable to give a specific date because fees were still being charged to the account. I told him every time I had spoken to a rep ( including himself ) I was told I was still under the plan and not incurring any fees, so when was the deferment over and how was I not told? By the end he said " he could credit the account by {$100.00} ''. He asked me to email him screenshot of credit reports and he would have it reviewed. Email was sent with several screenshots and request for reporting. XXXX XXXX after calling XXXX and asking for return call, received a call from XXXX XXXX that account was reviewed and that reporting would be done through XX/XX/XXXX as on time and would be reported " this week or next week ''. XXXX XXXX new dispute results received with same information as " verified ''. I called and left XXXX and voicemail XXXX XXXX returned call from XXXX apologizing for not getting back. Said that they report once a month even with disputes received, the information provided is what is on the account at the time. I questioned logic because my account has been updated with multiple payments and according to him, not on deferment " so why was account not reported as up to date no longer in deferment? '' He had no answer for contradictory actions. Confirmed that report would be updated on " this week '' showing current thru XX/XX/XXXX. He called back a few minuets later to ask when XXXX payment would be made- I said soon. Understanding they would have to report as late. Disputes refiled with reporting agencies on XX/XX/XXXX. Results received show no updated payments since XX/XX/XXXX ; or late for XX/XX/XXXX. Resubmitted auto loan application 2 days prior as need still remains- companies still will not extend or offer extremely high rates because mortgage is showing as not paid.
03/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • XXXXX
Web
2nd attempt plea for help from cfpb. 1st complaint was closed by clever manipulation by mortgage company. Clear retaliation and discrimination regarding alleged XXXX orientation. Problems started when attempted to provide them paperwork from court/county removing missing or dead persons who was at one time listed on my loan and had abandoned property many years ago. It was a man and they immediately asked if it was a legal marriage, or what the status of our relationship was. I replied no relationship, was helping out a down and out co worker in 2004 trying to get life together and also added income to my application at the time to help with lower interest. my original servicer XXXX took the legal documents and like the city of XXXX and county of XXXX and removed the person from loan. At the time they didnt I had an account status that didnt require a credit qualifier to remove. They were able to see their own statements in my name where all payments and deposits had been made for many years. THIS CAN NOT BE LEGAL PLEASE READ THIS DIRECT COPY AND PASTE FROM XXXX AND XXXX XXXX XXXX Major Derogatory MIDLAND MTG/MIDFIRST It looks like your account with MIDLAND MTG/MIDFIRST received a major derogatory status. This usually means that no payments have been made to a past-due account for 120 days or longer. How it impacts your score An account with a major derogatory can lower your credit score and will affect your report for 7 years. Please explain to me again how this isnt clear retaliation and abuse. XXXX XXXX XXXX, no bankruptcy, no late payments on file, because of market, and negative equity I applied for and received a modification that DID NOT REQUIRE ANY PRINCIPAL INTEREST OR FEES TO BE added or forgiven. I was forced by XXXX to not pay my loan for 4 months to be considered for the program, during that time, I put all the monies into an account at XXXX to be sure I was able to pay all fees before the permanent modification, which did nothing to help when all said and done, they changed the sale price of house in fha system to higher amount than paid in 2004, I paid XXXX in lawyers fees and XXXX in mortgage payments, the loan rate didnt actually drop, i already had 4 percent due to auto pay and min dailies in accounts at XXXX. so 10 years added back to loan, no forebearance, no foreclosure, no bankruptcy, and modification was done and permanent 13 months prior to Midland Mortgage purchase of note. I read all the complaints here and online but thought since FHA loan and clean XXXX xfer, auto pay set min 5 days before due date all would be okay, and it was sort of, just typical junk online presence to be expected from places like Midland who think the internet is evil most likely. I could have cared less, until I got a notice simular to the one above saying that a consumer comment had been added by lender and that code stated I was under covid disaster assistance help, I immediately asked for legal help online and it was corrected in days. 30 days later this alert appeared and in my ignorant attempt to rectify myself per the banks request for future issues, there was no live person to help, one voicemail from a fake supervisor who magically went on vacation the day I called and had been on said vacation for 89 days. When I finally asked who was covering for Ms. " Account Super '' some teller got on the line, I heard her making fun and telling someone near her to listen to this, Ill handle this XXXX person, and not in that nice of words. She got on, attempted to explain that it is out of the banks control when and how bankrupt accounts get reported, I said there is no bankruptcy, that was an error that was corrected and removed many years ago from ID theft 9 years ago, then getting more mean and loud with me she started reading some XXXX she XXXX about modifications online. I said the only error you have made is adding consumer statements to my account that were false and lets pretend there was a chapter XXXX bankruptcy 9 years ago, it would have been settled with XXXX as you only took over 3 years ago. If it was real, show me the file from the trustee and chase, along the document that has to be signed by both parties to agree or not to report mortgage from that point. Lets pretend it was not signed, XXXX would still keep the years prior to the imaginary chXXXX on my report and stop reporting upon discharge. That would all be at XXXX. Once Midland bought the loan, they would not have been part of any chXXXX or modification in process in my case and if I did get sold during mod and chXXXX, why would they Midland Mortgage, accidentally report where XXXX left off current, never late, for 35 months. Then apply a specific code that President Trumps disaster declaration created, so it didnt exist prior to covid19, much less 3 years with Midland or 10 with XXXX, so it would have been impossible for that to have taken 35 months to find its was over due to the high volume of paperwork she claimed was involved in tranferring my type of loans and making them work in their system. I tried to reach out to hud and fha, they said that the cfpb handles all their mortgage complaints, so I'm asking again for not only your help in restoring my credit as it was when reported correctly by Midland, but to monitor and be sure that they don't retaliate again at me or any victim of their malpractice. I wish I could tell you what the benefit to Midland Mortgage was or is to damage credit other than keeping their portfolio as attractive to investors as possible by keeping the asset backed credit accounts and sub prime loans at a high percentage for clients with good credit since they know theyll pay. but thats just my guess
08/30/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • KY
  • 42303
Web
We applied for a COVID-19 modification through our Mortgage Company Midland Mortgage. We actually started the process at the end of XXXX, we had applied for a a delay in our payments due to COVID. As my husband ultimately lost his job in XXXX, we had to work to make up the missing income, so applying for this modification would allow us to keep out home while he looked for other employee opportunities. Although it didn't take him long to find a job, he was by far not making the income that he had before. It was reduced by half so we were on a limited income at that point. We had to dip into our savings in order to help bring the account current. In XXXX, I contacted the bank to ask about the progress of the modification because I had not received any communication from them except for thanking us for the interest in the modification itself, that they were working on it. I was told by the representative on the phone the modification had been approved and we would soon received the paperwork to sign. I was told by the same rep, the mod would make us due effective XX/XX/XXXX. It was at that time I asked if I could go ahead and start sending in regular payments asking them to be applied to XXXX payment. The rep told me I could start sending these in, they gave me what my new payment would be after the modification of {$940.00}. Thus, I sent a check in for {$1800.00} representing two payments. No mention that if I send them in before the modification was complete these payment would be applied to back payments due. At this time I sent a check in for two total payments. I waited a few months but I still had not received the paperwork to sign for. I called back in XXXX. I was advised they were still working on the modification documents and now my modification would become due effective XX/XX/XXXX. Never thinking about the two payments that I had sent in for the XXXX modification. I made an assumption they were holding these payments until the due date was rolled to XXXX as indicated. MY MISTAKE. I was advised by the rep at that time that our payment and interest rate were going to decrease as a result of waiting until XXXX 's effective date. I thought to myself well great that is XXXX less thing I have to worry about. The payment went from XXXX to XXXX. I asked at that time if I could go ahead and send in my next payment. As I stated due to being now on a limited income, I wanted to prepay my loan while I had the money to feel secure the mortgage was paid ahead. I sent in a check for {$850.00}. Thinking all along this would be applied to XXXX 's payment since I had already sent in XXXX and XXXX ( Thinking previously it was for XXXX and XXXX ). Two weeks later, again no mortgage documents, but again I wanted to get ahead so I sent in another payment of {$850.00}, thinking this would be for XXXX 's payment. I kept waiting and waiting in XXXX no documents. I was in XXXX that I finally received a call that stated they had everything finalized. They walked me through what to do when the paperwork arrived and to be prompt on returning it back. I mailed the signed paperwork back on XX/XX/XXXX. It was through reading the documents, that I realized they had taken the {$1800.00} that I paid and applied this to back payments that were supposed to be on a delay. I then called in XXXX upon realizing this and was told they can not hold payments and they would be applied as a next contractual payment. And this is where my nightmare has begun. All the while I was sending in payment I thought were being applied to post-mod payments were actually being applied to pre-mod payments due. MY HUSBAND AND I ARE NOT MADE OUT OF MONEY. I have sent over {$9000.00} to this company this year alone, and guess what? I am still not current on my payments because of the way they have posted them. On with the story. When we signed the documents, well we also sent in a payment of {$850.00}. It was at this point, I realized that we would no longer be way ahead based on my calculations. I was thinking okay, the original XXXX and XXXX payments are gone. I have sent in three payments since XXXX, XXXX, and not XXXX, so once those are posted I should be due for XXXX. Then I get my statement, which showed me due for XXXX and that is when I called asap. The rep that I spoke to assured me they would get the unapplied funds along with the Additional principal that was applied reversed and applied to XXXX and XXXX 's payment, along with sending me a payment history so I could go over all of the reversals that I was seeing on my statements. During this call I was explained that it seemed my interest rate was not updated and the post-mod payments were not applied correctly. AWESOME!!! So based on the conversation that I had ( which I was visibly upset ), I was going to send in an additional XXXX to cover the remaining pieces of XXXX. This was mailed and has not been received by the company. WHAT IN THE WORLD ARE THESE PEOPLE DOING WITH OUR MONEY???? I have sent over {$90000.00} now in XXXX to cover my mortgage. If you take my original payment before the mod I would have only needed XXXX to cover this year. You do the math. Something just doesn't add up. Yes we were behind but only up to XX/XX/XXXX. Now to top off all of that lovely commentary, when they applied XXXX 's payment, we were also charged a late fee of {$34.00}. HOW? To my calculation I sent XXXX 's payment in XXXX. Even if they applied the payment I sent in XXXX as XXXX 's payment, it would not have been late. Because of this negligence in updating my account and posting my payments properly, there has been a late fee charged to XXXX.
05/22/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • VA
  • 22015
Web Servicemember
Consumer Financial Protection Bureau Subject : Mortgage Forbearance Issues- Request for Assistance Dear Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, Washington XXXX DC XXXX Mortgage Assistance XXXX XXXX Mortgage Mortgage Assistance XXXX XXXX XXXX XXXX Oklahoma XXXX, OK XXXX XXXX XXXX XXXX : Current address information I dont have available. They went under a consolidation or merger. I hope this letter finds you well. I am writing to bring to your attention the challenges my family and I are facing regarding our mortgage forbearance. We have encountered a series of issues that have caused significant distress and financial strain, and we are seeking your assistance and guidance in resolving this matter. Our mortgage is a XXXX XXXX, and we were not adequately informed about its assumable status when we initially sought forbearance. Our forbearance was initiated with XXXX XXXX XXXX, but shortly after, our loan was sold to Midland Mortgage without our knowledge or consent. Unfortunately, this change in servicing has further complicated our situation. During the forbearance period, we diligently worked to stabilize our finances, with the intention of coming out of forbearance as soon as possible. However, due to the lack of communication between XXXX XXXX XXXX and Midland Mortgage, the latter was unaware of our efforts to exit forbearance. As a result, they are now proposing a loan modification that is simply unaffordable for us. We believe that we were not properly informed about the assumable status of our VA XXXX, which has significant implications for us as borrowers. Had we been aware of this, we would have explored alternative options that could have provided us with more flexibility and control over our mortgage situation. Given these circumstances, we kindly request your intervention to help us address the following concerns : XXXX. XXXX XXXX XXXX : We were not informed about the assumable status of our XXXX XXXXXXXX, which limits our ability to explore potential solutions such as finding a qualified buyer who could assume our mortgage. We would like clarification on why this information was not provided to us initially. XXXX. Communication Gap : There seems to be a significant breakdown in communication between Home Point Financial and Midland Mortgage, as the latter was unaware of our intention to exit forbearance. We request assistance in rectifying this situation and ensuring that all relevant parties are aware of our efforts and goals. 3. Affordable Loan Modification : The loan modification proposed by Midland Mortgage is beyond our financial means. We kindly ask for a comprehensive review of our financial situation to determine a more reasonable and sustainable modification that aligns with our income and obligations. OUR STORY : My father passed away in XX/XX/XXXX. My family and I were residing there then and continue to live there. I was made executor of his estate. We made on time payments beginning in XX/XX/XXXX. He was a XXXX XXXX in the XXXX. He had a VA loan on the home XXXX XXXX XXXX XXXX XXXX, VA, XXXX. My husband, XXXX XXXX XXXX, and I have the house deed in our name, but the mortgage is not. We began the XXXX XXXX program in XX/XX/XXXX w/ XXXX XXXX. We began to exit the program resuming payments per XXXX direction in XXXX of XXXX. They advised us that we needed to make three on-time payments, and they said the balance of the forbearance would be put on the end of the loan. They advised us that the balance would not be paid until we sold the house. We made two payments to XXXX, and they sold the loan to Midland Mortgage. Midland Mortgage was never notified of any of our conversations with XXXX, and Midland did not provide us with any documentation regarding the terms and conditions of the forbearance. Once we were transferred to Midland Mortgage, they immediately put us in a status where they would foreclose. We advised them of the situation and described what we said above. They informed us that we needed to return to the forbearance program again and start applications for assistance. Midland told us again that the balance could be placed at the end of the loan. However, we have been offered a loan modification that is not affordable. Midland Mortgage increased our mortgage. If we accept the loan modification, the revised payment will be over {$1000.00} monthly, higher than our current payment. Our goal is to assume the existing loan on the property and avoid foreclosure. We contacted a HUD XXXX XXXX XXXX of XXXX. She was able to make a 3-way call to Midland to get clarification. She spoke with XXXX # XXXX. XXXX told her that XXXX 's administration stopped offering forbearance in XX/XX/XXXX, and we needed a modification or repayment plan. She also verified the current modification interest rate was 6.875 %. We have complied with Midland for over a year, promptly providing them with documentation and resubmitting verifications. It's deplorable that the company 's departments can not communicate, especially the customer service and loss mitigation departments. We are open to any other suggestions or advice you can offer us. We plan to stay in our home. Thank you in advance for your time and consideration Thank you for your prompt attention to this matter. We eagerly await your response and guidance in helping us navigate through this challenging situation. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/23/2020 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30315
Web
On XXXX XX/XX/XXXX XXXX XXXX XXXX Complainant ) was officially named and appointed by the Probate Court of XXXX XXXX of Georgia the Executor of the Estate of XXXX XXXX. Midland Mortgage Company ( Midland Mortgage ) is a division of MidFirst Bank. On or around XXXX XX/XX/XXXX, Midland Mortgage requested an official appraisal to assess the property 's value in order to continue with short sale procedure. On XXXX XX/XX/XXXX Estate was appraised for {$76000.00} by XXXX XXXX XXXX, a third party for Midland Mortgage in order to proceed with short sale. On XXXX XX/XX/XXXX XXXX XXXX XXXX ( Buyer ) was accepted by Midland Mortgage for {$730000.00}. On XXXX XX/XX/XXXX she received bill for past due balance of {$6300.00} from Midland Mortgage. On XXXX XX/XX/XXXX she received Notice of Acceleration and Foreclosure Sale from XXXX and XXXX XXXX attorney and/or foreclosure servicer for MidFirst Bank. On XXXX XX/XX/XXXX she received correspondence confirming cancellation of short sale from Midland Mortgage. On XXXX XX/XX/XXXX she received Notice to Occupants of Pending Acquisition that includes estimated sale date for XXXX by mail from XXXX and XXXX XXXX on behalf of Midland Mortgage. On XXXX XX/XX/XXXX she mailed Verification of Debt requesting proof of the Original Contract by Priority Mail tracking number XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX XX/XX/XXXX at XXXX United States Postal Service ( USPS ) confirmed delivery by signature confirmation services tracking number XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX XX/XX/XXXX she received correspondence which mentions the processing of her fathers death certificate dated for XXXX XX/XX/XXXX from Midland Mortgage. Midland Mortgage did not meet and/or satisfy requirement of Verification of Debt. On XXXX XX/XX/XXXX an alleged Deed Under Power dated for XXXX XX/XX/XXXX was filed and recorded in the XXXX XXXX of Superior Court by MidFirst Bank and affiliates. MidFirst Bank executed a material breach alongside XXXX XXXX XXXX XXXX by misrepresentation of official documents. On XXXX XX/XX/XXXX she mailed Affidavit and Notice of Failure to Verify Debt by Certified Mail tracking number XXXX XXXX XXXX XXXX XXXX. On XXXX XX/XX/XXXX Affidavit and Notice of Failure to Verify Debt was confirmed delivery by Return Receipt tracking number XXXX XXXX XXXX XXXX XXXX XXXX. Both Verification of Debt and Affidavit and Notice of Failure to Verify Debt were confirmed delivery by XXXX XXXX, a representative of Midland Mortgage by mail. On XXXX XX/XX/XXXX original door locks on Estate were removed and replaced without her consent or any other lawful authority. XXXX XX/XX/XXXX she visited XXXX XXXX Tax Commissioner to discover a discharge in obligor by MidFirst Bank and alleged AIF for XXXX XXXX. MidFirst Bank willfully transferred owners rights to XXXX XXXX XXXX XXXX, a third party to the matter. On XXXX XX/XX/XXXX while cutting yard she was approached by XXXX from XXXX XXXX carrying a concealed weapon. XXXX referred her to XXXX phone number XXXX XXXX XXXX XXXX, administrative support for XXXX XXXX. She did not disclose last name. XXXX transferred her to XXXX XXXX who was the alleged property manager verified by address. XXXX XXXX informed her the only way to receive the owners information is by online purchase. XXXX XXXX is administrative support for XXXX XXXX XXXX. On XXXX XX/XX/XXXX at XXXX two XXXX men in unprofessional attire and service vehicle were trespassing on property. Trespassing signs were placed on all doors of property endorsed by Executor of Estate. Service vehicle was a black truck with construction equipment assembly by rope to top of truck. Service vehicle license plate number XXXX read Educator on tag label with white skeleton head spray painted on rear of vehicle. Personal belongings were removed and disposed of by XXXX XXXX phone number XXXX XXXX XXXX XXXX. Complainant was given contact information for another property manager named XXXX phone number XXXX XXXX XXXX XXXX who referred to the Estate as the job site. XXXX recognized XXXX by name. XXXX is a managing member for XXXX XXXX XXXX. He was given legal notice by phone. Around XX/XX/XXXX Complaint and documented evidence was submitted to XXXX XXXX Superior Courthouse where she previously received advice by law librarian after notifying librarians of incident. As instructed by law librarian Affidavit of Indigency Packet required notary signature and endorsement of presiding judge for the week. Presiding judge by way of the judges assistant denied Complaint for insufficient information and returned notarized documented evidence without case number. On XXXX XX/XX/XXXX she returned to Estate to four XXXX trespassing on property. By neighbors phone, she dialed XXXX Emergency for fear of manslaughter. XXXX XXXX XXXX managing member XXXX XXXX drove Alabama tag SUV license plate XXXX right into the area in which she was standing. ( Reference City of XXXX Report Number XXXX electronically submitted on XXXX XX/XX/XXXX XXXX On XXXX XX/XX/XXXX after being threatened by XXXX on more than one occasion XXXX City of XXXX police escorted her off her own property. ( Reference City of XXXX Report Number XXXX by Officer XXXX Badge Number XXXX XXXX. On XXXX XX/XX/XXXX she filed Complaint and documented evidence at United States District Court for the XXXX XXXX of Georgia as follows Sasha Ferguson v. Midland Mortgage Company et. al. Case Number 1:20-CV-3744.
11/21/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • XXXXX
Web
My complaint originates with my previous Mortgage Lender, XXXX XXXX, XXXX XXXX XXXX XXXX. However, my current Mortgage Lender ( Midland Mortgage ) is also closely involved in this matter as they have not been very helpful in reaching a reasonable solution to the problem I will be presenting. In XX/XX/XXXX, I reached out to XXXX XXXX and advised them as to why my Mortgage payments had fallen behind and I was looking for any possible solution to help alleviate the situation. My wife and I moved into our home in XX/XX/XXXX at which time my wife was the primary/higher earner, being in XXXX XXXX with her former employer. She was unfortunately diagnosed with XXXX XXXX shortly after we moved into our home. My wife was placed on short term XXXX through her employer. We are still currently fighting to get her approved for XXXX through the state. Once my wife 's short term XXXX ( employer ) expired, I became the only source of income for our family and that still remains the case. So more than half our house hold income was lost and we were struggling to make our mortgage payments. In XX/XX/XXXX when I reached out to XXXX XXXX to seek assistance we were approximately 50 days delinquent on our loan. We began the long and very difficult process of applying for a Loan Modification, I had to work with more than four " Dedicated Loan Specialist 's '' throughout the entire process. We were finally approved for a " Trial Period Plan '' in XX/XX/XXXX. I was advised by our first Dedicated Loan Specialist to not allow the Loan to get more than 60 days delinquent, so I continued to make payments throughout the process. When this four month trial period was offered to me I was told that I had to make contact with XXXX XXXX via telephone or in writing to let them know I intended to accept their offer, which I did. I also had to make my first Trial Period Payment, which I agreed to over the phone with a " Dedicated Loan Specialist '' to have debited out of my bank account on XX/XX/XXXX. I was also advised during this phone conversation that I did not have to make a payment in XXXX, and that this Trial Period will start in XXXX. I also asked if there was anything else needed from me and was told that the phone conversation and agreement to have my account debited was all I was required to do. On XX/XX/XXXX Midland Mortgage took over our loan from XXXX XXXX/XXXX XXXX. At that time, I thought I had agreed to have all my trial period payments taken directly out of my account, in order to avoid missing any payments. When I noticed that nothing had come out for XXXX, this was when I learned that Midland had taken over our loan. It was unfortunately brought to my attention that Midland did not intend to honor my agreement with XXXX. I have recently discovered by looking through old correspondence from XXXX XXXX that they dissolved our Trial Period Plan because I failed to return the executed trial plan agreement. I find this to be simply unacceptable and egregious. I can prove that all that was required by me to accept the offer from XXXX XXXX I have complied with. Furthermore the permission I gave to XXXX XXXX to have my personal account debited and the action taken by them in debiting my account further proves that I met all obligations set forth by them. Their finding that I failed to provide one form, which I was not even informed about by the " Dedicated Loan Specialist '', is not sufficient to dissolve the agreement. Therefore since Midland Mortgage has acquired all rights to this loan from XXXX XXXX I see fit that they honor the agreement set in place between myself and the aforementioned, XXXX XXXX. I will be attaching several documents to this complaint, which substantiate my claim that there was an agreement made between XXXX XXXX and myself and they were erroneous to dissolve the agreement. I will also be attaching transaction history with XXXX XXXX and Midland Mortgage. These prove that I continued to make payments to XXXX XXXX through the Loan Modification process and that my loan did not get more than 60 days delinquent during that time as advised to so by my first Dedicated Loan Specialist. And it was not until XXXX when I didn't make a payment, as advised by the Dedicated Loan Specialist, that my account became more than 60 days delinquent. I am also attaching a letter that was sent to both XXXX XXXX and Midland Mortgage in XXXX asking for a resolution to this matter. I also sent two certified checks as payment to Midland Mortgage ( XXXX and XXXX ) with the reduced payment amount I reached with XXXX XXXX. I was told in XXXX, we do not qualify for a Loan Modification with Midland Mortgage. Therefore I agreed to a Delayed Payment Plan for a six month period, because this seemed like my best option at the time. This plan is set to expire at the end of XXXX and I am still no closer to a resolution that is reasonable for my family. Midland Mortgage has informed us that we have two options : 1 ) Extend the Delayed Payment Plan for another 6 Months or 2 ) We can complete an application for mortgage assistance. In addition we have received statements from Midland Mortgage informing us that the repayment amount will be {$24000.00} due XX/XX/XXXX. At this current time I do not see many positive outcomes for my family and we are still hoping to avoid a foreclosure on our home.
06/21/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AZ
  • 85308
Web
My complaint is with Midland Mortgage Co., based out of XXXX XXXX, Oklahoma. They serviced my mortgage loan from XX/XX/XXXX until XX/XX/XXXX but are very unwilling to provide the loan information I 've requested, time after time. I 've asked for a comprehensive transaction report to include the resulting principle balance after each transaction in my account history, plain and simple. Unfortunately the principle balance is never included. Nothing in the report is meaningful without the resulting ending balance to show the transaction 's impact on the account. In the 11 years Midland Mortgage Co. serviced my loan I never received a detailed monthly statement as they considered the annual payment coupon book sufficient enough. Unfortunately it was not. Unfortunately the payment coupon book did n't include anything more than the payment due and a due date. What it did n't include was an accounting of monthly payments made, dates those payments posted, how those payments were applied, or how those payments effected my principle balance. In fact the monthly payment coupon book only appeared to benefit their accounts receivable department in identifying the account in which to credit the incoming payment to and not to offer any details to the mortgagor about account activity. That would come with the XXXX year end tax and interest statement until XX/XX/XXXX, but after XX/XX/XXXX monthly transaction history was completely eliminated from the XXXX statement and account activity was no longer made available. I have called Midland Mortgage Co. a countless number of times with questions regarding issues with my escrow account, payment increases, questionable late charges, and various other fees assessed to my account, insurance dispursements, etc., etc., etc., and again, for transaction history to include an ending principle balance, only to be reminded of their lack of transparency and uncommitment to customer service. I 've waited weeks at a time for reports that promised a resulting ending principle balance only to receive yet another report without a resulting ending principle balance or to receive no report at all, or more recently a report that excluded 7 years of payment history I requested out of 11 because, '' this information is not available ''. Midland Mortgage Co. has also structured their company such that disputes and/or complaints are handled only by departments that are unavailable by phone. In my opinion that is a failure of obligation as a loan " servicer ''. And because they are based in XXXX XXXX and have no local office, sitting down with someone to discuss account activity is not even possible. They are owned by Midfirst Bank but I have been assured by Midland Mortgage Co. that Midfirst Bank has no access to my loan information so I can eliminate that as an option. Lastly, my account was removed from their website the day my balance was paid off in XX/XX/XXXX. The information I have received is inconsistent. The information reported on the XXXX year end tax and interest statements does n't match the annual escrow statements which do n't match the payment history which does n't match the letter correspondence which is n't consistent with other letters and other reports they have mailed. A monthly statement might have eliminated all the confusion and the countless hours, days, weeks, and months I 've spent trying to piece this all together to ensure my account was serviced properly and accurately. As a recap, Midland Mortgage has failed to : 1. Provide a resulting principle balance with each transaction on my account. 2. Provide adequate information in the payment coupon book. 3. Provide year end payment history and account details after XX/XX/XXXX on the XXXX year end tax & interest form or otherwise. 4. Respond responsibly to requests for specific account information. 5. Provide accurate reports consistent with other reports & statements. 6. Offer transparency in their accounting departments. 7. Accomodate account holders with phone communication with the departments that handle disputes complaints. 8. Follow through with generating and providing specific requested information. 9. Maintain my loan information and provide me with online access beyond the payoff date. 10. In general, fulfill their basic obligations as a mortgage servicer. My complaints with Midland Mortgage surely do n't end there as the more I dig the more questionable activity I find. Unfortunately I 'm told that complaints and/or disputes can only be submitted in writing to departments that do n't accept phone calls. That is definitely part of the problem and not part of the solution. It would be very difficult to put 11 years worth of transaction history issues in writing, and considering a 30 day turn around time for disputes, the total process could become quite lengthy with more disputes. And, based on past experience with Midland Mortgage Co. I have my doubts as to whether my disputes will ever be fairly and properly addressed. Perhaps an intervention by the regulators would be helpful. Therefore, with much respect, I am requesting your Office of The Consumer Financial Protection Bureau to investigate this matter and assess whether Midland Mortgage Co. is meeting their legal obligations as a mortgage service company.
02/26/2022 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
  • NC
  • 27284
Web
I sold my home XX/XX/22. Thereafter, I realized my credit wasn't good. There were a few collection accounts I was unaware of due to an ex spouse. I started working on paying off those collections and other accounts that were hurting my credit. I needed to find a home to rent and I was repeatedly being denied because of my credit. So around XX/XX/22 I started paying off accounts that I knew were mine and if the balance wasn't big, I paid off other accounts I knew weren't mine and starting disputes. A major issue was/ still is my mortgage still being reported, even though it's paid in full. Since XX/XX/22 to current I've been disputing accounts that are 100 % paid in full and not questionable. There's literally nothing to investigate because I have either paid in full emails or letters directly from the lenders. After disputing my mortgage as being paid in full and closed by me, the day after the dispute concluded the account is accurate, suddenly the next day it showed I owed something like $ 20k AND a late payment. This was about 4 weeks ago. My score dropped XXXX points in a day. I couldn't believe it, I had already been living in a motel for 2 weeks because no one would rent to me before this happened because my credit score was only XXXX. Now it is XXXX. I then disputed it again and uploaded official docs directly from lender, a paid in full letter along with my closing disclosures from the house sale. 2 weeks later, again, dispute denied. A week prior I received a official lien release satisfaction of instrument document from the lender and another paid in full letter. The day after this, the account then updated to close to $ 35k past due and over 120 days late. I couldn't believe it, so I called XXXX and told them verbally the facts and the documents I have that prove my dispute. This time I upload the satisfaction of instrument, screenshots of my mortgage account that shows paid in full and {$0.00} balance. No late payments. Loan is was satisfied and closed. I also disputed another account I paid, XXXX XXXX, that I paid in full. I had already disputed this as being paid in full prior but the lender told me that it would be deleted. It wasn't my physical account in the first place, my ex spouse used the card. The dispute did change the status from past due to closed and paid in my favor, but I wanted it removed like agreed. So I disputed it again. This time, XXXX changed it from paid and closed back to {$560.00} past due and late!!! I'm waiting on what they will do with the latest mortgage dispute. I have filed a complaint with the XXXX for Midland mortgage ( the account in question ) due to the fact they are continuing to report lies on my credit apparently, unless this is XXXX doing the reporting themselves. Back Around XX/XX/22 I called Midland Mortgage to ask if they could report my mortgage as paid but they said they can't expedite the process of reporting the real status ( paid on full and closed ), and every time I dispute it, they report something even worse the next day after the dispute is closed in their favor. I'm sick of it, i had to live in a hotel for a month because of this credit reporting agency and my old mortgage company, while I sit here with HARD EVIDENCE directly from these lenders proving what I am disputing is TRUE. Something is fishy and I don't know why, but each time I dispute a PAID IN FULL CLOSED ACCOUNT, the dispute is denied and updated to even worse report than before. I've had it! I can't work on my credit when these companies are ruining it over accounts I am proving without doubt are paid in full. I even have all the phone calls recorded. I have emails from these lenders/ collectors. Bank statementz. Legal documents and direct letters that were mailed to me from the lenders. There is no way that they can come to the conclusion that these accounts are open unless they are lying, really not investigating anything and doing their job, collusion between XXXX and these lenders, who knows but it's ruining my credit completely and they're doing nothing about it and they are purposely making it worse because they apparently haven't looked at any of the documents I have given them. If these lenders are reporting to them that the accounts are open, I need to know. Because someone is about to get sued for ruining my credit by repeatedly lying and giving me the most difficult time finding a home to rent. The distress has been way too much to handle while I'm a single dad with a XXXX XXXX XXXX. Luckily I found a house to rent after a month living in a hotel, but if these Credit Agencies aren't going to really fix my credit and undo the damage that they did purposely for whatever reason they have, someone needs to answer and give a clear reason why they are reversing their own dispute decisions on a second dispute of the same account. Seriously, finding in one dispute that I paid it and it's closed and then in the next dispute reopening the account and now past due. I guarantee after my mortgage dispute, now the third dispute of same account, is going to show even worse than before. Thats been the clear pattern. The funny thing is, this mortgage company actually owes me a refund. I don't owe them anything and they owe me like {$400.00} from escrow.
08/21/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TN
  • 38104
Web
On XX/XX/XXXX this year the Trustee and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hired a private investigator, notary. The notary sent presentments/dispute iniating the administrative procedure for the XXXX behalf. The notary serves as a qualified 3rd party and will be a witness in federal court for non-response to him. This presentment includes ( attached ) disputes and affidavit of fact on the security fraud that was discovered by private investigator expert XXXX XXXX and a lawyer. The XXXX sent this presentment of new information to midland mortgage QWR address requesting for certain documentation. XXXX XXXX spoke with a MidFirst Bank customer service and told her she will not be signing the partial claim because she does not agree with the terms and conditions of the contract. To add to the Fraud in XXXX of XXXX Midland Mortgage forged XXXX XXXX name on unsigned, unagreed upon, partial claim documents that included a new promissory note, a new deed of trust and in the verbiage it says that XXXX XXXX can not request from HUD any verification of documents or notary presentments disputes may be sent, if so they have the right not to answer. Midland mortgage has XXXX XXXX XXXX name on partial claim papers that she never agreed or sign ( attached to show nothing was signed ) This is violating the law Title XXXX, Title XXXX Defences and Claims of recoupment, holder in due course rule Title 16 of the FTC. In contract law the contract has to be mutual and agreed upon. Forbearance of Covid 19 related issues does not give midland mortgage or HUD rights to forge my name on documents that I did not sign on my own free XXXX will. The XXXX say where there are 2-3 witness let every word be establish, XXXX XXXX XXXX According to 226.39 Mortgage transfer disclosures a ( 1 ) A covered person... .it goes on to say a servicer of a mortgage loan shall not be treated as the owner of the obligation, and if any assignment is only treated to memoralize a transfer and not to indicate a sale and is solely for administrative purposes. Midland Mortgage is not the holder in due course as evident by a lawyers affidavit after a deep investigation. Neither was XXXX XXXX given a mortgage loan. What has went on is security fraud which the evidence is attached to this complaint please read. There is a lot wrong with this mortgage transaction that I will probable have to take to federal court for XXXX by XXXX for security fraud. I was not given full disclosure on XXXX XXXX, i was not aware the my property was going into a trust or XXXX, XXXX was not aware that the tangible note was never delivered or endorsed, the real party of interest is not Midland Mortgage its XXXX XXXX XXXX and XXXX securities XXXX XXXX XXXX Trust which is no where to be found on any assignments or endorsements, In which there are no endorsements anywhere on any note. The tangible note is lost and was never negotiated upon. The assignment in XXXX XXXX is fake due to the fact that midland mortgage customer service informed me they were not lenders they were only servicers of debt. However they have provided false furnishing to the 3 credit reporting agencies that they gave me a loan. However for a full view of all the fraud please read carefully the discovery of the lawyer the XXXX hired and private Investigator finding. I spoke with FHA today and told them what has happened, they instructed me to file a CFPB complaint and include documentation of the private investigator findings so they can do further investigation in the who mortgage transaction. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO IN XXXX OF XXXX RECONVEYED THE MORTGAGE INTO FOREIGN TRUST. THE TRUSTEE XXXX XXXX HAS FILED XXXX WITH DEPT OF TREASURY AND PRESENTED A TREASURY GIFT WITH WRITING OF 12 USC 411 REDEEM IN LAWFUL MONEY ON DEMAND AT THE FEDERAL RESERVE BANK .... Also midland mortgage accepted a Full settlement paid in full of an ACCORD & SATISFACTION instrument that was sent by the XXXX XXXX XXXX XXXX XXXX XXXX this was done in accordance with Article XXXX. Midland Mortgage cash it which mean they accepted the terms and conditions of the accord and satisfaction. Before an accord and satisfaction payment was sent a letter was sent by the trust via the Notary presentment that midland mortgage did not respond to, so followed the trust sent accord and satisfaction payment. This was offered when the fraud was discovered by the hired private XXXX to settle privately. However Midland Mortgage has dealt with XXXX XXXX without due process and has attempted to covered up the fraud and ignore the letters that was sent to them by notary presentment without responding to qualifed XXXX party. XXXX mortgage also provided a photocopy of a promissory note with a forge signature thats not mine signature. Romans XXXX says recompense to no man evil for evil, provide things honest in the sight of all men, this its what XXXX XXXX has done but the midland mortgage, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, has all been dishonorable in this mortgage transaction.
01/19/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MD
  • 206XX
Web
This is to request that CFPB follow up with XXXX XXXX, via an investigation, to insist that they remove unfair, unwarranted preservation fees from my account. I reached out to CFPB for help ( See CFPB Case # : XXXX ). After CFPB intervened, I received the photos and notes associated with the actions XXXX contractors took on my property. The photos and notes are startling, and prove that XXXX and its contractors violated my rights by entering my condo without my knowledge or permission to perform work that was unnecessary ( inside and out ), and then applied exorbitant charges to my account. For example, they charged me {$400.00} for grass cutting when homeowners are not even responsible for grass cutting in my community. XXXX XXXX documentation further validates their reprehensible business practices, and supports why XXXX should not have charged my account {$1300.00}. Now that the evidence is available, I need the CFPB to analyze XXXX XXXX XX/XX/XXXX, response and communicate with them directly to provide them the opportunity to resolve this issue by removing preservation fees from my account. CFPB already has all the documentation associated with my original complaint. Below, I addressed the inaccuracies in XXXX XXXX most recent response to CFPB. Please contact me directly if you have any questions. RESPONSE TO INACCURACIES IN XXXX XXXX XX/XX/XXXX LETTER TO CFPB XXXX most recent letter to CFPB, dated XX/XX/XXXX, included inaccurate statements, apparently to attempt at justifying their unethical ( and potentially illegal ) actions. Below are my responses to those inaccuracies according to their paragraphs to avoid providing personal information. RESPONSE TO PARAGRAPH # 3 : My husband and I contacted XXXX numerous times using a variety of methods beginning approximately late XX/XX/XXXX. XXXX XX/XX/XXXX, response to one of our inquiries was a document that referred to the charge as Total Miscellaneous Fees Due : {$1200.00}, which did not outline what the fees represented. XXXX opens its XX/XX/XXXX, document by stating that it was In response to an item of correspondence we received Also, in XXXX, my husband spoke with a representative who said that he did not know what the charges were for, which XXXX listed on our monthly bill as, Total Fees and Charges, {$1200.00} ( no note or explanation ). The rep recommended we fax our inquiry to XXXX to obtain an explanation. After XXXX did not respond to our fax, we continued to call back and re-fax, and kept being transferred to different divisions, and told different answersnone of which resulted in an explanation of how these charges were derived. On XX/XX/XXXX, XXXX provided a list of Fees Assessed which had increased from {$1200.00} to {$1300.00}, and under Fee Description showed Property Preservation, and still did not identify what property preservation fees actually represented. XXXX XX/XX/XXXX response to my XX/XX/XXXX fax was a table that included work their contractors performed. In my letter to XXXX, dated XX/XX/XXXX, I addressed why each item was unwarranted. Despite CFPBs intervention, XXXX still has not responded specifically to the fact that the actual work on their table was not valid for my property. RESPONSE TO PARAGRAPH # 4 : XXXX XX/XX/XXXX, response to my XX/XX/XXXX, letter deferred to preservation statements within my Deed of Trust as their justification for performing the work, instead of addressing my questions regarding the bogus tasks completed. In fact, XXXX actions as my lender were not in compliance with the terms and conditions of my loan documents. The statements related to preservation do not give XXXX the right to enter and manipulate my property, then charge me exorbitant prices for unwarranted work. The Deed of Trust states, Lender may take reasonable action to protect and preserve such vacant or abandoned Property. XXXX actions were clearly unreasonable as evidenced by their photos and notes. They did not contact me at all to determine whether my property was vacant or abandoned. My contact information has been the same for over 22 years and XXXX did not write one letter or make one phone call to ask me the status of my property. It is not reasonable to perform an inspection of someones property without contacting them first. They have no problem sending my bill timely each month. Their notes indicated that they knocked on the door to determine vacancy before entering. That is not a reasonable approach for XXXX to use to determine whether property is abandoned. It is not reasonable to determine that a property is abandoned just because it is vacant. Further, this paragraph of XXXX letter states that my loan was delinquent for three months and that is a false statement. It is not reasonable for XXXX to use false statements to justify their unsavory actions. Its interesting that XXXX never mentioned that it in any previous correspondence over the past several months. I wonder how many other victims have been affected by their disgusting tactics.
10/07/2021 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • TX
  • 77084
Web Servicemember
I am a XXXX XXXX XXXXXXXX XXXX XXXX I have a VA Home Loan. I participated in the CARES Act Covid - 19 Home Mortgage Forbearance, beginning in XX/XX/XXXX initially for a 6 month period, then requested an additional 6 month forbearance period which ended in XX/XX/XXXX. I entered into an agreement with my mortgage servicer, Midland Mortgage, Division of MidFirst Bank on XX/XX/XXXX, Loan Disaster Modification Program for a 3 month period which began on XX/XX/XXXX and ended successfully on XX/XX/XXXX. On XX/XX/XXXX, I received a Loan Modification Document, Read, Sign date and return, which ( 1 ). showed an increase in my interest rate, from the fixed rate that I signed in XX/XX/XXXX at 3.375 % -increased to 3.500 % on the documents, but was really 3.548 % ; { according to Section 1024.41 ( c ) ( 2 ) ( vi ) for certain loan modification options ... .. to be eligible for the proposed new exception, the loan modification option would need to satisfy certain criteria. Specifically, " not increase the required monthly principal and " interest payment '', not charge a fee associated with the option, and waive certain other fees or charges '' ... ( 2 ). For loan modification to qualify under the proposed new exception, they must not charge interest on amounts that are deferred and will not become due until the mortgage loan is refinanced, the mortgage property is sold or the loan modification matures. ( 2a ) It would appear that Midland Mortgage was in error in that the payments I made in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were applied to the amounts that were deferred during my participation in the CARES Act. ( 2b ) It also appears that fees were not waived and despite my insistence upon receiving a detailed accounting of " exactly how much money I owe for the period of my forbearance '' I am still uncertain of the exact amount, simply because I am not exact as to what " interest rate '' was used by Midland and because of a fluctuation in the monthly amount owed beginning in XX/XX/XXXX. During my conversations with Midland over the past couple of months, it appears that Midland Mortgage and its Modification Managers are " not aware '' of the { Section 1024.41 ( c ) ( 2 ) ( vi ) ( A ). Treatment of Certain COVID - 19 Related Loss Mitigation Options; Under the Real Estate Settlement Procedures Act ( RESPA ) ( REGUALTION X ). I am not all convinced that they are " unaware '' of these rules and guidelines, put simply, I am concerned that Midland Mortgage is attempting to skirt these rules and regulations! I understand that as of XX/XX/XXXX the rules and guidelines were in an " interim final rule effective on XX/XX/XXXX and that was open for comments on or before XX/XX/XXXX. I also admit, with my limited knowledge of law, that there may have been some changes to the law, but in my research I have not found any changes that would suggest that " Servicers are under any other guidelines concerning Government Backed Mortgages ( my VA Mortgage loans is, I hope, still valid for these guidelines and rules for " modification of mortgage upon exiting from CARES Act XXXX Forbearance ). I believe the rules that are set would be advantageous to my situation and would help alleviate issues that could create a hardship for me and family based upon my limited and fixed income. I am writing to CFPB in hopes that you and your staff would consider taking an in-depth look at my situation and the situations of other Veterans who may or may not know the protections CFPB has set forth need to be enforced and that Servicers who manage VA Loans must abide by them! I have contacted my DVA Mortgage Case Manager and He assisted me in getting Midland to restore my initial " fixed interest rate '' at 3.375, yet, I haven't been given a reasonable explanation as to " WHY '' Midland Mortgage even dared to change my interest rate to begin with? I honestly feel that this action was intentional and derelict with the express intent to " put free money into their pockets '' at my expense. This should not have happened and I wonder how many other VA Loan Mortgage Holders have experienced this action? This action of increasing the interest rate upon exiting a CARES Act forbearance period should be thoroughly investigated! Also, is or was it an " illegal action '' on the part of Midland Mortgage to use the monies I paid during my participation in the Disaster Loan Modification Program to pay back payments on monies that was supposed to be " set aside '', without the penalty of drawing interest, until the property is refinanced, sold or the loan matures? I am not even sure, after repeated inquiries as to exactly where Midland has placed the " deferred amount ''! Your attention to this matter is of great importance to me and my family! Thank you! Semper Fi!
05/04/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • GA
  • 30215
Web Servicemember
Good Afternoon, I am a 100 % XXXX Veteran who served in the United States XXXX XXXX. I am currently living in XXXX XXXX ; GA and I am writing for your assistance. In XXXX, I requested Disaster Recovery Assistance through XXXX Mortgage, my loan servicer. During this time, I was suffering with some financial difficulties and fell behind on my mortgage payments. Also, during this time, I was awaiting a VA XXXX decision which would award me backpayand also assist with getting caught up on my mortgage payments. As an option for the Disaster Recovery Assistance, I was offered a repayment plan to make payments starting XX/XX/XXXX, through XX/XX/XXXX. Although, unsure if I would be able to make the payments as they were higher than my normal mortgage payment, I agreed to the repayment plan. Ultimately, I was denied as the XXXX and XXXX payments were late, but never 30 days past due. The denial notification prompted me to immediately apply for a loan modification. I applied for a loan modification on XX/XX/XXXX and at that time XXXX requested additional documentation which was provided. I also received a request for a hardship letter in XX/XX/XXXX to supplement my loan modification request. While my application for a loan modification was under review, I continued to make payments to bring my account current. For reference, I was awarded backpay from the VA and was able to make a double mortgage payment on XX/XX/XXXX. I made a single mortgage payment on XX/XX/XXXX, and another double mortgage payment on XX/XX/XXXX, and XX/XX/XXXX. All payments made between XXXX and XXXX brought my account current. However, on XX/XX/XXXX, I received a notification from the credit bureau that XXXX reported a late payment for XX/XX/XXXX. It is important to note that the loan modification application was under active review in XXXX and XXXX. It is also important to note that during this repayment plan trial period XXXX confirmed that credit reporting was being reported to the credit bureaus as under review. I raise concerns with the manner in which my account has been handled and the manner in which information has been reported to the credit bureau. On a positive note, I was able to bring my account current and while making payments in XXXX and XXXX towards my outstanding balance, XXXX did not report past due payments. XXXX also refrained from reporting a late payment for XXXX. However, since bringing my account current, XXXX has chosen to go back in time and report a late payment for XXXX and will probably do so for XXXX. This inaccuracy has injured my credit but is also inaccurate as my account was still under active review for a loan modification in XXXX and XXXX. I was not aware that financial institutions could arbitrarily decide when and what to report to the credit bureaus. It is hard for me to understand why XXXX chose to report that my account was past due in XXXX when my account was under review for a loan modification, and I was making active payments. Consequently, this reporting has affected my credit score negatively. More importantly, I am concerned about XXXX business practices, ethics, and the treatment of their customers. XXXX has contested that they have reported the correct information and that reporting is behind a month. However, they also confirmed that my account was under review for a modification in XXXX and XXXX pending a decision. It is important to note that XXXX requested a written hardship letter for my loan modification in XX/XX/XXXX confirming that my request was still under review. The goal during this time was to try to keep me in my home and I achieved this by bringing my account back current. However, as a punishment to me as a customer XXXX has decided to report my account as past due for XXXX instead of under review as they did in the months prior. I just want this company held accountable as I have seen many similar accounts of the same behavior from this company. The attachments I have included confirm that my account was under review for a modification in XXXX. My account was still under review for a modification in XXXX when I brought my account back current as well as they requested a Hardship letter from me. Why this company chose to harm a customer in need is beyond me... but they need to be held accountable. Regardless of the fact that I was able to pay the debt off while under review for different assistance ... my account should be updated as under review. As XXXX 's goal was supposedly to keep me in the home, their goal should be not to materially harm their customers by reporting negative information.
01/20/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • OH
  • 44266
Web
Midfirst Bank ( Midfirst ) became the owner of my FHA home loan on XXXX XXXX, XXXX ( refer to Midfirst Bank letter dated XX/XX/XXXX, that I did not receive a copy of, attached ). The loan servicing was still being performed by XXXX ( XXXX ). As of the Fair Debt date on XX/XX/XXXX, Midfirsts loan records indicated the entire payoff of my loan was {$130000.00}, including the unpaid principal balance ( refer to the Midland Mortgage letter dated XX/XX/XXXX, that I did not receive a copy of, attached ). The XX/XX/XXXX Midfirst letter and XX/XX/XXXX Midland Mortgage letter that I did not receive a copy of, were included with enclosures from Midland when they responded to a QWR from XX/XX/XXXX. On XX/XX/XXXX, HUD received a payment of {$120.00}. A regular monthly PMI payment during that time was {$64.00}. Per the enclosed XX/XX/XXXX Midland Mortgage Escrow Summary, no monthly PMI payments are reflected being paid in XXXX or XX/XX/XXXX, {$64.00} x XXXX = {$120.00}. PMI in the amount of {$120.00} is not listed on any escrow statement I received. I wasnt notified, nor was it disclosed that there were any adjustments to PMI. From XXXX {$2200.00} was accessed to our loan account or deducted from escrow for : modification fees, modification title fees and attorney costs through an unknown 3rd party , for a FHA XXXX loan modification that was to have completed on XX/XX/XXXX, however backdated to reflect the mortgage terms and effective date of XX/XX/XXXX, without my consent or notification. On XX/XX/XXXX, per the consolidated note history, a yearly servicer XXXX incentive in the amount of {$710.00}, and a yearly Borrower XXXX incentive in the amount of {$770.00} was received for the FHA XXXX loan modification that was improperly executed and partially processed. On XX/XX/XXXX, per XXXX XXXX, Supervisor of XXXX XXXX Department, XXXX XXXX XXXX, XXXX stated that the XXXX FHA Loan Modification ( XX/XX/XXXX Modification agreement ) was sent into the XXXX XXXX XXXX, XXXX Ohio office to be recorded On XX/XX/XXXX, the servicing of the loan officially transferred to Midland, Midfirst 's mortgage division. On XX/XX/XXXX, Midfirst or Midland submitted the XXXX FHA XXXX Loan Modification from XXXX, with knowledge that the loan modification had been improperly executed, fraudulently processed, and invalidly recorded and lender insured. XXXX used the XXXX payments and loan payments my husband and I made for XXXX months to bring the account current, not by an advance of funds from them. The XXXX FHA loan modification payments were backdated to reflect XX/XX/XXXX, being the effective date of the modified mortgage terms ( please see XXXX 's Consolidated Note History and XXXX FHA Loan Modification ). The FHA XXXX loan modification and FHA partial claim with a fraudulently drafted Stipulated Partial Claim Agreement ( that I do not recall receiving or reviewing the stipulated partial claim agreement ). Two sets of subordinate documents were sent to me for signature and notarization via XXXX XXXX XXXX on separate dates. Despite my signature being present on the 2nd page, I dispute having the full document provided. The stipulated partial claim agreement submitted and received by XXXX in the amount of {$33000.00}, with terms that I am still being held to by Midfirst, was deceptively drafted, and was NOT in compliance with FHA guidelines. On XX/XX/XXXX, Midfirst submitted the XXXX FHA XXXX loan modification to be recorded with XXXX XXXX Ohio XXXX XXXX. On XX/XX/XXXX, per XXXX XXXX, the XXXX FHA XXXX loan modification was recorded by XXXX XXXX XXXX, a subsidiary of XXXX XXXX XXXX On XX/XX/XXXX, the XXXX FHA XXXX loan modification ( XX/XX/XXXX loan modification agreement ) was endorsed by XXXX XXXX XXXX. Endorsement No. XXXX attached to Policy No XXXX ( refer to the ALTA 11-06 endorsement attached ). Midfirst took part in the fraudulent processing, the invalid recording of title and insurance, and the misconduct surrounding the XXXX FHA XXXX loan modification, subordinate mortgage documents, and the deceptively, fraudulently drafted stipulated partial claim agreement sent to XXXX. Midfirst has been aware of and took part in the misconduct surrounding our loan payment processing, and escrow account processing. Midfirst had knowledge of and contributed to the delays in having repairs begin during our whole home loss in XXXX, we had loss of use to our home for XXXX months, with over {$80000.00} in damages to the dwelling of our home, not including everything we lost inside our Midfirsts loss draft department management was involved.
10/04/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MO
  • 640XX
Web
I have a mortgage with Midland Mortgage, a division of Midfirst Bank based in Oklahoma. Last year during Covid, I stopped being able to work my second job and got on their covid forbearance plan. I was on forbearance for payments for one year. When the forbearance was ending I applied for a mortgage assistance program and was approved through HUD. I signed my documents by the deadline and returned them to the bank. They received them XX/XX/2021. They said it would 1-2 weeks to update my account to the new terms. My new payments based on a new amount resumed XX/XX/2021. So far I have made 3 payments for XXXX, XXXX and XXXX for the new plan. However, three months later they still have not updated my account to reflect the new terms. I get weekly threatening phone calls and voicemails and today I received another threatening letter that if I do not pay the full balance ( previously owed before the new mortgage agreement ) that I will get foreclosed. Ive called the company multiple times to address this and they keep saying they have all my paperwork and are receiving my payments ( the money is leaving my bank account to them ). When I check my account online, the new payments I was making were being applied to the old missed payments. And it was starting to show that I owed less on the old balance. Today I checked my account and they added more missed payments than I had before and show my account in delinquent status. I have called atleast five times and each time the employees reassure me that everything is fine with my account and that theyre just really backed up and not able to update it at this time. However, I do not want to go through the entire process of foreclosure before they finally get around to updating my account. I have a copy of my new mortgage agreement and proof that Ive made every payment toward it since it began. Im concerned they will continue to ignore the delinquent status and auction my house and never fix or update their system to the new terms. I have a family and we all live here and are getting increasingly concerned. The new terms started three months ago. In XXXX they told me they would update it in 1-2 weeks. In XXXX they told me the papers barely went to their recording department on the XXXX of that month. In XXXX they said keep making on time payments and theyre sure my status will be updated by XXXX. Now its XXXX and the only action being taken is that Im being threatened of foreclosure in phone calls, letters, and emails regardless of the fact Im up to date on my new terms. No one at the bank is taking any action to fix things. When I called to make my XXXX payment they said they would submit a ticket to have this fixed immediately. Days later I check back and it says now that I owe more than I did before I even applied for the assistance. Their numbers are changing as far as how many payments I was behind during the covid forbearance plan. And when I started making my new payments, they were applying some of them to the old debt from the forbearance, and others they put into a separate account. The number of payments I was behind started to get smaller and I called to ask why my payments were not being applied to the new terms they said not to worry that it will all work itself out and when they apply the HUD money from the partial claim that what didnt get applied retroactively will count for payments that it should have counted toward the new terms. XXXX not okay with this type of record-keeping. Its unethical, inaccurate and seems like an unprofessional and mismanaged way to deal with money. It doesnt give me confidence in the payments that Im making currently and it gives me concerns about the accuracy and integrity of their record keeping. Also, their foreclosure threats just keep piling up and they tell me to ignore them but I cant. I want to reach out to whomever can help me seek action on this matter. I dont want to lose my house due to this kind of negligence and I have not been on a covid assistance plan since XXXX. Ive paid every month since XXXX when my new terms began. I imagine maybe theyre collecting covid funds on behalf of my account if they still report it delinquent or something along those lines because the way my account is dragging on in delinquency status when its not delinquent seems fraudulent to me. I dont understand the motivation to keep my account reflecting this status and its causing more harm than good to my family. We are very concerned. I appreciate any assistance in this matter.
02/06/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • CA
  • 92058
Web Servicemember
To Whom It May Concern, 1. Midland Mortgage ( Mid First Bank ) is improperly processing Applications for Mortgage Assistance. The issue at hand is sometimes referred to as Dual Tracking. Dual Tracking is a deceptive practice that violates the terms of the Mortgage Assistance Application Process communicated by Mid First and is in violation of State and Federal Law/Statute. Dual Tracking is when an applicant has applied for Mortgage Assistance, and he/she is told that collections are on hold while they work towards and amicable solution. At the same time and contrary to what is being communicated by the lender, the lender is actually moving forward with collections, sending official notification that the loan is in Default, Foreclosure, and other actions. After discussing this matter with my Veterans Administration representative, my representative is going to be discussing this illegal collections method ( by Mid First and other banking institutions ) at an upcoming Federal Government Meeting. 2. It has also come to my attention that Mid First improperly assessed my previous application for Mortgage Assistance. This improper assessment limited my ability to participate in Mortgage Assistance that I qualified for. Essentially, they did not include my income for being a 100 % XXXX Veteran ( over {$3000.00} monthly ) 3. Mid First is not evaluating my proposed 12 Month Repayment Plan ( dated XXXX XXXX XXXX XXXX XXXX XXXX ) in a reasonable amount of time. In fact, the only relevant communication I receive from Mid First occurs when I call every one to two weeks to check the status of my proposed Repayment Plan. Every time I call I am told that nothing has changed and I should try calling again in about a week. I generally send a follow up email as well that goes unanswered. Its established by the numerous emails and documented calls, that I have consistently attempted to work with Mid First. I often called and emailed Mid First on a weekly basis. I have responded to any additional requests for information and documentation, and I have even preemptively provided documents that Mid First may need. The actions of Mid First are outrageous. The actions and or lack of action by Mid First jeopardize my employment, risk the welfare of my family, and have caused undo pain and anguish upon my entire household. A full copy of this complaint is being provided to the United States Veterans Administration and State and Federal Agencies. If Mid First has not engaged in meaningful communication by XX/XX/XXXX, I will request the assistance of The Honorable United States Senator XXXX XXXX, The Honorable United States Senator XXXX XXXX, and the Honorable Congressman XXXX XXXX. I will also be seeking the intervention of the court where I will request General, Compensatory, and Punitive Damages. Proffer : 1. I demand this practice of Dual Tracking and all collections actions to cease. 2. I demand an Official Letter from the lender that my loan is not in Default. 3. I demand that my current/past loan history reported to Credit Agencies be amended to reflect that my loan is current, I have never missed a payment, and the removal of any and all negative notices or comments. 4. I demand that Mid First agree to my proposed 12 Month Repayment plan ( email dated XX/XX/XXXXXXXX XXXX XXXX XXXX ) in exchange for a payment of {$5000.00} that will be applied towards the past due amount. 5. I demand the removal of any additional fees or monies beyond the principal amount past due, e.g., late fees, service fees. Attached : 1. Letter from Midland Mortgage dated XX/XX/XXXX, that stating that my Mortgage Assistance Application was complete, and explaining that collection actions would be limited, i.e., they would not move forward with Foreclosure. 2. Letter from Midland Mortgage dated XX/XX/XXXX, ( the exact same day they sent a letter stating that collections actions would be limited they sent another letter ) that stated my loan was in Default, demanded full payment of {$25000.00} by XX/XX/XXXX, or they may proceed with a Foreclosure. 3. Email communication dated XX/XX/XXXX to present, that shows that I have consistently communicated with and provided information to Mid First. More specifically, my email with the proposed 12 Month Repayment Plan ( dated XXXX XXXX XXXX XXXX XXXX XXXX ) that has gone unanswered, as well as follow up emails showing a {$5000.00} Good Faith Payment, and follow on requests where I have inquired about the status of my proposal.
03/20/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • CA
  • 95827
Web Servicemember
In XX/XX/XXXX, I refinanced my VA home loan with a company called Low VA Rates. During that time, I fell on hard times and was unable to pay my mortgage for several months during COVID, so I requested my mortgage be placed in forbearance. Over the next several months, I started receiving statements from a couple different mortgagers, the last being Midland Mortgage. I figured my loan was sold to this company, although I never agreed to do so. In XX/XX/XXXX, I received a mortgage statement from Midland Mortgage for hundreds of dollars more than the terms I refinanced with no explanation as to the reason for the increase. Additionally, there were extra fees added, causing my mortgage balance to increase drastically. On, XX/XX/XXXX, I applied for mortgage assistance with the Virginia Mortgage Relief Program ( VMRP ). I was approved for assistance to pay any delinquent amounts to up to {$40000.00}. Even with all the added fees, my balance was well below that amount at the time. However, although I was approved for assistance with XXXX, and Midland Mortgage acknowledged VMRP as an approved third-party to make payments on the account, Midland Mortgage absolutely refused to cooperate with VMRP. Both I and my VMRP caseworker attempted to contact and hasten the process with Midland Mortgage for months to get a SINGLE form back so XXXX could pay the balance. But, any time either of us called, we were told the customer service representatives dont have direct communication with that department and the most they could do was send an email expressing our complaints. However, Midland Mortgage continued to harass and call me directly EVERY WEEKDAY for payment. But when asked about accepting payment from XXXX, again they told me their department doesnt handle that portion. This cat and mouse game continued for 2 months until XX/XX/XXXX when I received a letter from XXXX and XXXX XXXX, the attorney for MidFirst Bank XXXX XXXX Mortgage ) stating that they were going to start the foreclosure process instead of just taking the funds made available by XXXX. I called Midland Mortgage AGAIN to try to figure out what was going on. The customer service representative I spoke with told me again that the department handling the mortgage assistance was a separate department and she could do nothing to help me. As if this wasnt headache enough, as a result of this call, Midland Mortgage erroneously told my homeowners insurance company that my home was VACANT when I asked them to send mail to my mothers home in XXXX after she had a XXXX XXXX. I NEVER told them I abandoned the home. This caused problems and unnecessary inspections with my insurance company. I reached out to XXXX again to let them know that Midland Mortgage had started the foreclosure process instead of taking the funds made available for the last 2 months. The caseworker requested the foreclosure letter and attempted to reach out to Midland Mortgage XXXX to no avail since there was no way to contact the department receiving and processing homeowner 's assistance payments. Eventually, my totals added up to over the {$40000.00} threshold and I received the attached denial letter from XXXX on XXXX because they could no longer assist me after over 5 months of trying to get payment to Midland Mortgage. XX/XX/XXXX, XXXX changed its policy to increase the threshold to {$50000.00}. Again, if my mortgage payment was at the {$1400.00} XXXX originally signed for with Low VA Loans, I should be well below that threshold. XXXX attempts to pay the balance with Midland again, but because this payment amount is increased and these mysterious fees have been added on, I am AGAIN over the threshold. The failure of Midland Mortgage to properly service my loan, inflated amounts, and mysterious added fees have caused unnecessary stress and obstructed my process to have my mortgage paid and enjoy my home in peace. By continuing to harass me daily while refusing to accept the funds made available and threatening to take my home, Midland Mortgage has violated 15 USC 1692d and 15 USC 1692f. Additionally, harassing calls at XXXX and XXXX am demanding payment are repeated violations of the Telephone Communicatons Practices Act and the Fair Debt Collection Practices Act.
04/08/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • WA
  • 98404
Web
So, I was married to my ex husband in XXXX. In XXXX we brought a house. Prior to buying the house there was a lot of emotional abuse. Once moving into the house thing got worse and the physical abuse happened. I was under so much stress that in XXXX I woke up with half my face paralyzed. XXXX XXXX caused by too much stress. Once obtaining a protection order ( XXXX ) after being physically assaulted by him, I had him removed from the home. I did not extend the protection order as I was more worried about my safety than ever. I ended up getting another one later as he came to my house and was screaming and yelling at me and banging on my door. I filed for divorce soon after using the help of the XXXX XXXX XXXX legal services. I was a student and not working and my ex was the bread winner. At the divorce hearing I had a really good case in order to be able to get alimony as well as part of his large XXXX and his medical. I was also going to ask for the house especially due to the XXXX. I even had a recording and transcript of it of him yelling at me and making threats. But he begged and pleaded for me to drop it and just get divorced. He swore that he would just walk away and leave me be. So, on our divorce decree, with the house it says *parties will decide at a later date*. He tried to take me back to court in XXXX to force me to sell but the judge denied him. He is still on the house. During this, my credit went from XXXX down to under XXXX. I had to file bankruptcy. My car, his truck, loans etc. I have been living in the home and providing all maintenance care for the home and paying the mortgage. Ive never gotten a dime from XXXX. I finished school, started working as a XXXX XXXX advocate which has led me to my position today which is helping people who are facing homelessness. A place I was before. My house is much older. After covid hit, it seemed like everything was hitting me at the same time. My family members passing away from covid, being immune compromised myself and things starting to break left and right in my house. Since I no longer had credit to rely on, everything had to be paid in cash in full. Broken pipe in the upstairs bathroom leaked down to the first floor. {$1000.00} for a plumber to come fix the pipe, but thats it. The ceiling still has to be repaired. I had water pipes under my house bust that cost almost XXXX to fix. I just had a hot water pipe burst in the garage a few weeks ago. All things that I had to pay upfront. . This caused me to have to choose between repairs or paying my mortgage. I got on the forbearance plan thinking it would be ok because they would just move my missed payments to the end of my loan. I told them several times XXXX does not live here. No problem they said. I decided to take my self-off the forbearance plan early. I turned in the documents they asked me to right away. I then got a statement that says there is XXXX due and its considered late. When I called, they explained that unless my ex signs the paper then my only option is a repayment plan which is payments on top of my mortgage payment. Not to mention that my escrow is negative now and property taxes increase significantly. What that means is they are going to raise my regular payments anyway from XXXX to whatever needs to be added to cover the loss of the escrow to make my payments for taxes. My first stimulus was spent on a lawyer when my ex took me to court. I have saved the last 2 stimulus checks plus money I borrowed to total XXXX. I was going to put it down on my escrow, so my payments dont increase anymore. Then after begging my ex to sign, I offered him the XXXX to see if he could please just sign the paper to help me apply. He wouldnt. He said I should refi ( cant due to credit ) or see and buy another house ( cant buy for a few years due to credit ) then he said that I should be paying him monthly for him to sign. Its required since his name is on the house. Midland Mortgage tells me they are sorry for what I am going though but that with him on the house in WA state, their hands are tied if he wont sign. They offered me an extension on the forbearance so I have more time. but if I cant get him to sign, I dont know what I can do with extra time except incur more costs.
08/04/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • LA
  • 701XX
Web Servicemember
There is a LOT of detail to my case, but ultimately the issue is that Midland Mortgage has used deceptive and bad-faith tactics to mislead me about the status and amounts due on my mortgage loan AND worked through multiple channels to obstruct my ability to have the loan refinanced through a different lender. I was offered a forbearance on the loan in XX/XX/XXXX as was typical at the beginning of the Covid Pandemic. I ceased making payments to Midland in that month and did not pay much attention to the status of the loan through many personal and family struggles during XXXX and XXXX. I did begin action to search for a refinance lender in XX/XX/XXXX, as interest rates provided an opportunity to lower the monthly payment and refinance in general seemed an ideal way to exit the forbearance, as it was unclear at the time what the response would be from government or industry about the ending of the pandemic forbearances. There were many delays and obstacles to overcome during the attempts to refinance, including the proposed lender being unclear at times what was necessary to close a loan, and which type to offer. Eventually we made progress with a VA IRRL refinance option, but progress was hindered at every turn by Midland making it difficult or impossible to obtain required documents and refusing to answer simple questions about the status of the loan. For example, it took a tedious, multi-day, multi-step process to request a payoff statement, which then they would only send by postal mail, and had no way of assuring that the document was being prepared and sent as requested. At least twice I requested and received no such letter, and on at least one other occasion it took so long to receive the requested payoff letter that it was obsolete and unusable by the time it arrived. Around XX/XX/XXXX however, the refinance option ultimately fell apart within days of closing because Midland refused to provide legally clear documentation on the status of the loan, e.g., was it in good standing or in forbearance or some other status? The documentation they did provide alleged that I was delinquent on all payments since XX/XX/XXXX despite clear communication from Midland that my loan was put in a government-directed forbearance program and that missed payments from XX/XX/XXXX until an unspecified future date would not be considered late or delinquent. As part of the attempted refinance, I made three payments to Midland during XXXX to show ability to pay and with an intent to bring the loan current and out of forbearance. It was after this point that Midland became elusive with information and refused to give legally required information to me as a borrower. I am now attempting to begin regular repayment to Midland, but they are making even that difficult. Yesterday I mailed a check to their payment processing center for an amount that I was best able to determine represents my current monthly amount due for principal, interest, and escrow. They refuse to allow me to make any kind of electronic payment on my account and will only interface with borrowers through a poorly-staffed telephone line. I have no means by which to contact them by any electronic online forms, internal messaging applications, online chats, or even ordinary pedestrian email. They have rebuffed my repeated efforts to obtain clear documentation on my loan, the terms of the forbearance, or to respond to my protests that they are failing to abide by the terms they offered me in XX/XX/XXXX. I have a hard time discerning the intent of this company towards me and presumably many other residential borrowers who are undoubtedly in the same situation. It's clear to me that they had no intention of cooperating with any attempt to have the loan paid off through a refinance offered by another lender. It now looks like they intend to extort terms from their borrowers by falsely labeling their loans as delinquent and threatening foreclosure. I would appreciate any assistance available, and I hope there is an effort by your agency to consolidate similar complaints against these highly irregular and unfair business practices. Thank you.
08/04/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CA
  • 92311
Web Older American, Servicemember
First, I must explain how I ended with Midland Mortgage this year ; a company called " horrible '' by those I called for mortgage help! But then when I mentioned Midland they said, we can't help you if you're with Midland, they are horrible and uncooperative, and we would only waste our time! These days : since I moved to XXXX, I've been a victim of at least a dozen fraudulent so-called financial help. It all began with XXXX XXXX XXXX, when they turned off our benefits unlawfully, when I was in the middle of moving, but I have ten days to notify them. As my senior son 's caregiver, just because I purchased my home, they turned our benefits for two months destroying XXXX good credit score. As a XXXX XXXXXXXX senior having moved here from XXXX XXXX, CA, I had no idea after moving to XXXX XXXX that I was moving to the XXXX XXXXXXXX XXXX of XXXX XXXX. is literally ladled online as " the king fraudsters, which, is XXXX XXXX XXXX, CA. And then the first so-called XXXX XXXX XXXX XXXX tells me that they had sent a cease-and-desist letter to XXXX XXXX. But then simultaneously, I get a letter the day before from XXXX, indicating that I was not with them. the fraudster before Midland told me they had sent a cease-and-desist form to Midland, and to save 5 payments in a savings account due to reconstruction of my loan modification. Because they said they were going to reduce my house payments by {$450.00}. And the end of the 5 months, the fraudsters XXXX XXXX urges me to send them a cashier 's check for the 5 months ' house payment without giving me the information as to who the next servicer was going to be! I soon cancelled them and reported them. And then yesterday I received 2 letters from Midland telling me that my modification was denied because I had not complied with the request. I even copied XXXX XXXX and sent the original copies via email on the self-addressed envelope, after having notarized the report as they requested. I received 2 letters, and the 2nd letter was dated a day XX/XX/XXXX. Then I received 3 more letters. In other words, from XX/XX/XXXX Midland Mortgage sends me daily threatening letters of payoff or we're going to foreclosed. I had even sent Midland the first payment but told me it was late. I sent it thon XX/XX/XXXX and Midland told me I had until the XXXX. And then Midland tells me they must inspect my home and must submit proof or residence. I have gone through XXXX with fraudsters and XXXX is aware of it, but then she is subjecting me to a worst financial fraud than anyone else, but that is ok, since I'm no longer with Midland, so I thought. I wanted to move on so I can refinance and drop my MIP insurance. I will be filing complaints to the Attorney General, Inspector General and to the HUD executives and all over online regarding Midland, even class actions! First of all, when I contact those offering me a better mortgage refinance opportunity, they refuse to help me because they're unable to deal with Midland. Midland is a mind twisting company, because they keep twisting things around back and forth say, yes will accept your late modification to no you no longer are with us we have disallowed the modification because we didn't receive the contract, nor your payment and we must evict you from your home, according to HUD! They have quite a track record online from class actions to from customers telling a similar story like mind. I just want them to release me from their claws and to stop victimizing me. I try to repeatedly explain to them the truth, but they don't listen! Some law firms are waiting to help me against Midland but first I wanted to try and see if you can help me. My head spins with so much fraud! Right now, Midland wants {$12000.00} to catch up, but they are including the time I was with XXXX XXXXXXXX, who reported me to the Credit Bureaus, but I don't owe them. It has been enough that I have already gone thorough 4 XXXX XXXX. I just want to do my best since, I'm my severely XXXX son 's caregiver. enough is enough.
06/28/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NJ
  • 07508
Web
Loan : XXXX To whom it may concern, Please be advised I have submitted a complaint to the Consumer Financial Protection Bureau due to the fact I or my authorized third party have been given the run-around with regard to obtaining updated Payoff and Reinstatement Quotes. A Payoff Quote was received from XXXX onXX/XX/XXXX with the quote expiring on XX/XX/XXXX. On XX/XX/XXXX we requested updated Payoff and Reinstatement Quotes as the Quote we received only contained Payoff information, not reinstatement information and only allowed 7 days to fulfill the Quote. On XX/XX/XXXX we contacted the bank to request that you postpone the foreclosure sale that was scheduled for XX/XX/XXXX as I had already used one adjournment and I want to retain my second adjournment as there are no other guaranteed adjournments that will be offered to me from the state of New Jersey. We were advised to contact the foreclosure attorney to get the proper steps to follow. XXXX XXXX from XXXX advised to send a letter stating my request with proof that reinstatement funds were being obtained and he advised to email that to XXXX The letter requesting the bank postpone the foreclosure sale was emailed to XXXX onXX/XX/XXXX On XX/XX/XXXX we attempted contact with XXXX to discuss the postponement request. A message was left advising the letter was emailed to the inbox provided and a call back was needed to confirm receipt. Later that day the reinstatement quote that was requested onXX/XX/XXXX was finally received, however the quote stated the date the quote was valid through was XX/XX/XXXX. Additionally, the quote states to submit the reinstatement funds three days prior to the expiration date to allow processing and mailing to our client. On XX/XX/XXXX XXXX returned a call to my authorized third party to state they never received my written request to postpone the foreclosure sale set forXX/XX/XXXX. While on the phone with my third party, the representative from XXXX discovered the email and ensured it would be forwarded to the correct department to work. We spoke to XXXX onXX/XX/XXXX and they advised the postponement request had been forwarded to the bank for approval/rejection. I was forced to use my second adjournment on XX/XX/XXXX to stop the sale scheduled for that day. We called XXXX on XX/XX/XXXX for an update on the updated Payoff and Reinstatement Quotes. A message was left to return the call. A return call was not made. I filed bankruptcy on XX/XX/XXXX. Documentation was faxed to the bank and XXXX. We called XXXX on XX/XX/XXXX to verify they received the bankruptcy documentation and to inquire about the Payoff and Reinstatement Quotes. A message was left. XXXX called my third party back to advise the sale was stayed, and she faxed documentation to support that. On XX/XX/XXXX my third party requested an updated Payoff and Reinstatement Quotes from the bank. They were advised it can take up to 10 days to process the request and the Quote will only be valid until XX/XX/XXXX. We further requested the quote be valid for a longer duration as the Quote will have expired or be within 3 days of expiring by the time the request was processed and faxed to us. The representative stated that she will request the quote be valid until XX/XX/XXXX. On XX/XX/XXXX my third party called the bank to inquire on the status of the Payoff and Reinstatement Quotes, they requested that the Quotes be expedited. The banks representative stated we would need to speak to the foreclosure attorney to request the Quotes be expedited. They called XXXX and again left a message for a call back. XXXX called my third party back onXX/XX/XXXXXX/XX/XXXXand advised that Payoff and Reinstatement Quotes were processed on XX/XX/XXXX and valid until XX/XX/XXXX. I nor my authorized third party have received these quotes. My third party asked again for the Payoff and Reinstatement Quotes that were requested on XX/XX/XXXX to be valid for a full two weeks instead of the very limited time given in each of the previous Quotes.
11/08/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Funds not received from closed account
  • OK
  • 73120
Web
XX/XX/2022, started a request for service treasury management and lock box account to be added to my commercial account which questing wasn't a great idea XXXX XXXX discriminated against by stand-in supervisor XXXX XXXX today she hung up on me after I called to see where my check was from the forced closed account that happen few weeks prior because of my XXXX XXXXXXXXXXXX XXXX XXXXXXXX status I believe we live in a world where you can't ask for public services if your certain XXXX aka race I asked. for treasury management services and lock box service for my business needed XXXX XXXX took it personal that I requested these services I was told by her that I had to make an appointment to add these services it couldn't just be done like that so she referred me after long questionnaire. sent. a email request XXXX XXXX Over Treasury management would be the person. to return my request it wouldn't be today she stated I told her I was visiting for few days needed to have services added before I left I was told by her it was a mobile service however she rubbed me wrong so I called the corporate office to request the services myself for reassurance the next day XXXX XXXX Called me we spoke over the services the was XX/XX/2022 she asked and sent email for services requested ... ..so from here to the XXXX of XXXX. my account was being shut down for whatever reason after requesting Public Services offered to business owners that was sent to my email Fast forward to today XXXX XXXX no funds refunded yet that was remains in the account so I called no notes on the account. Just business reasons ok looking for my funds to have been sent they said the account was closing the XXXX account closed check is cut that day its been three weeks plus I get back to XXXX XXXX supervisor on XXXX XXXX and spoke will XXXX delightful she was but XXXX XXXX Gets on the line states and I Quote " This is XXXX XXXX XXXX XXXX I remember and have all the details of your account you should be or should have received a letter stating our account is being closed for business reasons Im unsure when but that check should be out within 30days ME Quoted how many people do you deal with daily to remember my situation she stated : because the services you asked for and I had to have XXXX contact you But anyways your account is closed it seem as if there is discriminated against me and my business needs never have I done anything wrong which was told to me numerous conversation the day my account closed I called other locations and corporate office in XXXX I told XXXX XXXX XXXX that I knew she was the reason why my account was closed she yelled and hung up slamming the phone down as we spoke ending the call which results in the these results Unsure if XXXX XXXX Powered company. does business this way Not touching bases on How XXXX XXXX XXXX Stated she couldn't start me with the exact type I wanted due to credit etc but had even took me threw the proper steps to obtain the account mean run my credit etc. to deny me the service amount prior to proper step taken to do so its just a lot of Questionable things going on at this banking location now I've never had this type of service prior to dealing with XXXX XXXX or XXXX XXXX so just appalled of there action and just want the public to see how the CONSUMER is treated still no check that she entire point of this kick me to the club. and I call and the account was just closed yesterday XX/XX/2022 so account was frozen XX/XX/XXXX. no reason. then I order my fund to be sent to a mailing address. they update my account address as I moved. which wasn't what I asked for then I received that letter 3 times one at my home and twice to my business location and no check now the account is closed XXXX XXXX never returned my call or emails anymore after offering there services I believe its because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wouldn't want anyone treated this way truth is truth.
12/08/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
  • IL
  • 610XX
Web Servicemember
Our family was impacted by Covid resulting in income loss and our original mortgage company XXXX XXXX offered the CARES act forbearance as required by the government. Once the hardship was resolved and the forbearance ended they followed government guidelines and began the process of reviewing our financial situation for a solution to address the arrearages and were told they were likely going to recapitalize this amount into the balance of our loan. However, the loan then got transferred to XXXX XXXX and instead of completing a review for options to recapitalize or defer or modify the loan to address the forbearance payments they instead demanded full reinstatement. ( Statement attached ). This is in complete violation of CARES program guidelines as servicers are REQUIRED to work with borrowers and review financials to offer all options to address the forbearance arrearages. Servicers are FORBIDDEN FROM DEMANDING FULL REINSTATEMENT on VA loan through CARES. We were led to believe that was the only possible option. Because of these actions by XXXX XXXX we were denied access to programs that they were required to review our loan for. We did not have the ability to reinstate the loan and instead we fell further behind and the loan was then transferred to Midland and we were immediately put into foreclosure. No one at XXXX XXXX or Midland explained to us that they were REQUIRED to provide access to programs to address the arrearages ; instead we were told the only option was full reinstatement. We could not pay the full past due balance and as we went into foreclosure a representative from VA told us we had options and rights with VA loan so we applied for assistance through Midland as well as the Illinois HAF. Due to upcoming foreclosure we filed bankruptcy. Our Attorney said submit the regular monthly payment of {$2800.00} for XX/XX/XXXX so we submitted this amount that was accepted. Unbeknownst to me, we had been approved for a trial loan modification with a monthly payment of {$3300.00}. We did not receive any type of correspondence in the mail or any approval notification on the online dashboard. When I went back online the following day to verify that my payment was accepted I saw a screen that showed our old payment that was due from XX/XX/XXXX for {$2600.00} and below that in small letters it listed modification plan with payment of {$3300.00} with start date XXXX. XXXX. ( attached ) I immediately attempted pay the remainder of payment since I had paid less than the trial due to the lack of communication but the system would not accept. When I called in to discuss I asked if I could wire the difference I was told that since I did not make the full payment all at once I had been kicked out of the trial modification. This was an unbelievable turn of events and unacceptable. This problem should have been resolved in early XXXX if Midland and XXXX XXXX followed guidelines. When they finally agree to provide the help I should have received 18 months ago they dont even NOTIFY ME! I applied again over the phone and recently was approved for a Covid disaster modification and the new payment is {$4600.00} a month which I cant afford. I was eligible for a Covid disaster modification in XX/XX/XXXX when my CARES forbearance ended. Now my arrearages are at $ XXXX because of malfeasance, unethical business practices and incompetence. We then found out Illinois HAF approved us for {$60000.00}. However Midland refused to provide any plan or program to address the additional past due balance above the $ XXXX paid for by HAF. The VA DOES allow for the servicer to modify the portion of delinquent arrearages that are not covered by HAFin this case Midland was legally required to provide information to HAF related to a modification offer based ONLY on the arrearages not covered by HAF. At this time that would be a modification with terms based on arrearages of $ XXXX not $ XXXX.
08/08/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • NY
  • 14304
Web
I have been enrolled in bi-weekly payments for the past 10 years and 9 months ; my mortgage payment is automatically deducted from my bank account and paid to my mortgage on the first of the month. The reason for enrolling in this program is so that each year I am making one full additional payment per year and paying down my mortgage quicker. I have never missed a single payment as my payments are automatically made each month, for the last 129 months. My lifelong credit score was excellent, generally remaining at a XXXX-XXXX. Midland Mortgage bought out my mortgage from XXXX and the trouble then began. Midland raised my mortgage payment ; it was approximately {$86.00} short each month from what was being deducted. But, as I have stated, every 30 days they automatically receive the next month 's payment as well as one full entire additional payment per year. This is where the very questionable practice of Midland Mortgage comes into play. Because the payment was short they would " hold my payment in a separate account '' until they received my next month 's payment, withdraw the missing amount from that next payment and then apply it to my mortgage. Over and over and over each month continuously creating a late payment they could classify as delinquent. No one ever once notified me of such a practice of retaining these funds and not applying them as received. Even more suspicious is the fact that they strategically wait to apply these funds until the payment is exactly at the point where they can report it as 30 days past due. They do n't apply the funds as they receive them, they create this highly suspicious secondary account without my knowledge to " hold '' these funds and they ironically choose to apply my payment only when it becomes a delinquency on my credit report. How is this a legal ethical practice on the part of Midland Mortgage? Furthermore, I did not realize what they were up to while destroying my credit until they had already given me approximately XXXX derogatory marks. I only saw this in my credit rating when I went to check my score in preparation for purchasing a new home and applying for a new mortgage. My formerly excellent score was then dropped to a XXXX due to the inaccurate delinquencies reported by Midland Mortgage which then took a snow ball effect and all of my credit lines slashed my available credit to the balance amounts. This has prevented me from purchasing a new home for the last several months. To my understanding, when an erroneous mark on your credit prevents you from doing something ( i.e. purchasing a new home ) that legally falls under defamation of character. If this can be considered defamation of character on the part of Midland Mortgage I will also be pursuing legal action if they continue to not remove these marks. I have corrected the deducted monthly payment amount to accurately pay the full payment each month, however Midland Mortgage is still reporting my account as delinquent to XXXX, prolonging the period of time that I am now waiting in order to purchase a new home and obtain a new mortgage. They are also continuing to strategically withhold the funds that they receive until a date that makes the payment late rather than applying these funds when they are actually received. I have been trying to have this situation resolved for the past several months and Midland Mortgage has done absolutely nothing to rectify this situation and they continue to engage in these highly questionable practices of withholding payments and creating lateness. I want these marks removed from my credit, and I want them to cease from continuing to report my account as incorrectly delinquent because it is preventing me from purchasing a new home. They have completely destroyed my lifelong excellent credit rating and I want it restored as soon as possible so that I can purchase a new home.
11/20/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • WA
  • 98118
Web
This complaint is about a messy mortgage situation I am in but more importantly its about possible fraud, and scamming related to the real property I purchased, in XXXX, WA XXXX. This complaint emanates from the purchase I made through XXXX HXXXX XXXX XXXX aka XXXX XXXX XXXX. The mortgage is FHA and insured by the FHA. The problem is I recently discovered 2-3 months ago, after applying for a refinance the lender of my property XXXX XXXX XXXX XXXX had its rights to be in the mortgage business removed, by the federal government and had its license to do any business revoked by the state of WA in XXXX. XXXX XXXX was ordered to leave WA state and restricted from doing any business with any resident in WA state. Also, the problem is based on facts that XXXX XXXX a division of Mid First Bank, without evidence implies the company has a beneficial interest in my property nevertheless my property has never been paid off, endorsed over, transferred, sold, or repurchased, nor has any company of record ever provided, offered, or recorded any valuable consideration for my property to establish a valid assignment against the property. XXXX XXXX, XXXX XXXX nor Mid First Bank never informed me via any correspondence ; i.e., written or verbal regarding any change to my mortgage, my property Deed, Note nor Title. I do recollect about XX/XX/XXXX XXXX XXXX sent mortgage coupons to me via US mail indicating future mortgage payments be sent to XXXX XXXX. Thus, I thought XXXX XXXX was the same company as XXXX XXXX but now know my thoughts were in error. About XXXXhree ( 3 ) months ago I discovered HUD placed 2 liens against my property one ( 1, ) in XXXX and one ( 1 ) in XXXX. In XXXX XXXX XXXX received approximately {$23000.00} from HUD without my knowledge or signature. In XXXX XXXX XXXX received approximately {$49000.00} without my knowledge or signature. In XXXX, after the above XXXX sent me a loan modification agreement that I was coerced to sign stating I agree to pay {$43000.00} back to HUD, for a deferred loan. According to HUD the money both XXXX XXXX and XXXX received was to reduce my mortgage balance, principal and monthly mortgage payment, but the money HUD sent in XXXX was never applied to my mortgage. Additionally, approximately {$6000.00} according to the modification agreement I signed in XXXX was also not applied to my mortgage loan balance.I have made many attempts to understand and resolve the outstanding monetary differences with XXXX Mortgage and Mid first Bank to no avail. About two ( 2 ) weeks ago I requested and received a current title report from XXXX XXXX XXXX. The report shows I am the only owner of my property, my loan is still FHA insured and shows XXXX XXXX XXXX XXXX as the lender of my property since XXXX when I first purchased the property. The names of XXXX XXXX nor Mid first Bank have never been recorded against or on my property Note, Deed or Title. I have never signed, acknowledged or executed any agreement with XXXX XXXX or Mid First Bank regarding my property. There has never been any entry or change noted within the history and or chain of my title, aside from the two ( 2 ) liens placed by HUD. After discovering the problems herein, I disputed my loan balance and demanded XXXX XXXX and or Mid First Bank validate any claim, debt, etc. the companies assert, if any, against my property. To date no response has been received. Couple months ago, and still to this date I continue to ask XXXX XXXX and or Mid first Bank what happened to the money HUD gave, for reducing my principal balance. Their silence is extremely loud. Nonetheless, XXXX XXXX representatives did state, during a telephone discussion with me, about early XXXX that if XXXX XXXX XXXX XXXX provided XXXX XXXX documents the documents were lost or unable to be located.
08/23/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • 07090
Web
I applied for the New Jersey HAF program in XXXX of XXXX and was accepted into the program in XXXX of this year. I had already taken out a loan to continue making payments to my mortgage company, Midland Mortgage ( a Division of Midfirst Bank ) in XXXX while waiting for the HAF process to be completed, which I was assured I'd receive an answer soon. When my wife and I were approved in early XXXX, I had already scheduled the payment for XX/XX/2023. Since it was close to the middle of the month ( XX/XX/XXXX, I believe ) when we were approved, I was told to get to the title company and get everything done as soon as possible by NJ HAF so assistance payments could be sent to Midland. My wife and I took our daughters with us to a title company the very next day, a Saturday, XX/XX/XXXX, and signed all the documents for the loan, the total of which came to {$21000.00}, or roughly 5 months worth of mortgage payments. We were told HAF or NJ XXXX as its called in New Jersey would wire the funds as early as Monday, XX/XX/XXXX since we'd completed the paperwork right away. So we wait ... and wait ... and wait ... and Midland doesn't show any funds received. Now we have a late payment on our account, are getting phone calls about it, emails, and a statement that doesn't reflect receiving the funds. I was told by the HUD counselor to be patient, and it'd all be retroactively fixed, it just takes a minute for the mortgage company to set it up. So we did that and by XX/XX/XXXX or so, maybe the XXXX, I called Midland and they said they had no record of receiving a payment. I called HUD and the NJ XXXX office and they said it was wired right after we signed the documents, so XX/XX/XXXX. I call back Midland and they said, " Oh, we see you do have an agreement with them, as we do, usually in the next few months they send it the first few months. '' It does show up on XX/XX/XXXX and everything goes through and they retroactively remove the late fee. I was told that HAF would send the remaining four payments on the XXXX of each month. So my wife and I wait again ... and wait ... and wait ... they said it can take up to 30 days to apply the funds. I called them yesterday only to find out from Midland that they have no evidence of receiving the funds. I'd emailed the XXXX program and HUD and received no reply, but I did sign into the XXXX page and, to my surprise, they have a page reflecting each payment, when it's scheduled to be wired directly to Midland and, sure enough, it says that the XXXX payment was wired on XX/XX/XXXX. I called Midland back and was told to send a screen grab of the screen reflecting the payment had been sent to XXXX. I did that and received no answer. Seeing as its close to the month and this is urgent and, because I do not know who is telling the truth, I will not pay off the loan I took out in the meantime and am wondering if I should just make the XXXX payment. But then I was told by Midland that the funds from HAF might get reversed if I make a payment on my own while in the program. Yet they are now saying they have no evidence on their end that I'm in continuation of the program... who is telling the truth? Where did the money sent to them on XX/XX/XXXX go? Why is the communication so poor with this program? In going on XXXX and other discussion sites, it seems like potential foreclosure, stress, and lack of accountability means most people should probably go straight to a lawyer. My wife and I now have a lien caused by the HAF loan that either isn't paying out or Midland is lying about receiving the funds and playing some kind of game of chicken with HUD and homeowners. Either way, I am sick and tired of the run-around and just want some answers as I'm sure so many others do.
11/06/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • AZ
  • 85374
Web
I opened a Midfirst account online around XX/XX/21. The bank said it had to make a deposit and withdrawal on my funding account to verify it was indeed mine and that it could take a couple of days. Around XX/XX/21. I decided to call Midfirst and they were unsure of the issue. Finally when someone was able to help me they stated that found out the account was stopped from being created. I later tried to speak to a supervisor by the name of XXXX but she had to call me back the following day. By the time XXXX called me the following day I had called a local branch and asked them if they knew anything and the first representative told me they use XXXX to run a credit check and if it came back bad that is the main reason they would not allow me to open a account. When XXXX called me back the following day she simply said she could not do anything and that she had no further information for me and she was sorry. I explained she is a bad supervisor for not knowing that they use a credit checking software by the name of XXXX and she got extremely quiet and said she's not able to speak about that or what it had to do with me. I told her that its unkind to lie by omission and that using a credit software system for creating a checking account was absurd because I can only spend my own money. Put simply it is not a credit card so you have no reason to run that type of check. After I got off the phone with her I contacted XXXX and asked about the issue. The gentleman could barely speak XXXX and it was loud in the background. I asked him what report his company gave to Midfirst about me and he instructed me to get a copy of my free consumer report. I eventually pulled it up and was amazed to see a bank I currently use, a credit card I currently use, a credit union that I recently closed as they were terrible business people and Midfirst bank. I asked him why they inquired about me and he had no ideal. I told him to take it off because I have no idea why they are there and did not approve anyone to search for me. Then over the course I received letters in the mail letting me know that each inquiry was moved from viewed by other to viewed only to me. By this time it is XX/XX/21. I decided to go try to open the account because surely that must have been the reason XXXX denied me a account. Nope, I was wrong. They still denied me and instead handed me a piece of paper to contact XXXX. Which is completely a waste of time because they have nothing to do with the Midfirst bank that denied the account. It even clearly states that the report from XXXX was used for our decision but that they would be unaware of why you were denied. Both of these companies are acting like children. Midfirst says oh the issue is with XXXX then you repair your consumer report and think your ready to go so you go to try to open the account and Midfirst says no sorry go talk to XXXX we cant help you. All while every time you speak to someone at XXXX they get to play XXXX and say we have no idea what is wrong. You need to talk to whatever bank used our service. Needless to save Midfirst is garbage because they wont come out and tell you why they wont open a account with you but just place the blame on XXXX but they throw the blame back at Midfirst and we as the consumer pay the price. XXXX is a terrible company and should be liquidated and put out of business. They sale our information just to make a profit but they do not even care what they are reporting. Midfirst could use some work as well. It completely obnoxious to run your company that way and not even have anyone on staff to talk to about why your being denied. If you want to deny people from having a account then you should very clearly tell them why.
03/10/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 32034
Web
My account was approved by Florida HAF ( Homeowners Assistance Fund ) XX/XX/XXXX for past due and 18 months of forward payments. Florida HAF will send monthly mortgage payments to my borrower for 18 months. Everything was going fine, 3 monthly payments ( XXXX XXXXXXXX ) were sent to Loancare on time and the mortgage was current on XX/XX/XXXX. Then our loan was transferred to a new mortgage company, Midland Mortgage beginning XX/XX/XXXX. During the transfer of the loan, HAF continued to send XX/XX/XXXX and XX/XX/XXXX payments to XXXX. XXXX informed me they sent both payments to Midland Mortgage as per their welcome letter, 2 payments were forwarded by the loss mitigation department at XXXX to Midland Mortgage at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Every day in XXXX and XXXX I called Midland Mortgage at XXXX referencing my loan # XXXX. Everyone at Midland said they see nothing. On XX/XX/XXXX, I saw in my transaction history at the Midland Mortgage website that a payment posted at Midland Mortgage, so I called and they said they see nothing. They said I am 3 months late, and have begun sending me information to save my house. The rep at Midland Mortgage said XXXX did not ever send those 2 payments for XXXX, and asked me to get an address if they really did. So I did, and XXXX Loss Mitigation said they sent both payments to the address Midland Mortgage provided, XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I called Midland Mortgage back and explained this to them, the rep told me that is the address for mail correspondence, and rarely monitored. They were going to open a ticket. To my amazement, the next day, the transaction history at Midland Mortgage now shows 2 payments received XX/XX/XXXX, another on XX/XX/XXXX. A total of 3 payments received, still none posted towards the balance. I was told to wait a few days, these things take time to cycle through. So, I waited until XX/XX/XXXX, and now another payment ( 4th ) from HAF posted on Midland Mortgage transaction history XX/XX/XXXX, a total of 4 payments received, and one was finally posted towards the balance XX/XX/XXXX. I called Midland Mortgage and told them they are now in receipt of 4 mortgage payments from HAF, yet only 1 posted towards the balance. I was sent to a supervisor, who told me that one payment was for XX/XX/XXXX, so I informed her they received my loan XX/XX/XXXX with {$0.00} balance, she realized the error, and said that would be corrected. As far as the other 3 payments, she is not sure where the funding went or where it was applied, she would look into it. She told me she was going to open a XXXX investigation, and in a few days would be able to see where the money is. This is the 3rd time I was told in 3 months they were opening an internal investigation, nothing ever comes of it. In the meantime, I am getting letters and calls about being over 90 days late, and Midland is not recognizing that on their own website, it shows exactly when the funds were received, they just remain unapplied. Midland Mortgage told me to ignore the transaction history, that they will figure it out in time. Midland told me that payments usually post in 14 days. I said what about the 2 payments you received XX/XX/XXXX, 43 days ago? They did not have an answer and told me to be patient and they will figure out how to apply the money. I don't seem to be making any headway with Midland Mortgage, and I hope that your professional position and reputation in this industry can get them to take this issue more seriously. Please call or email me if you need further information, I keep very detailed records and can assist you any way I can. Thank you for your consideration, your help, and your time!
10/27/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
  • NC
  • 285XX
Web
I am in foreclosure because Midland Mortgage as well as the former servicer XXXX XXXX have engaged in unethical servicing practices and have denied access to government programs that they were required to offer to borrowers who were impacted by Covid income loss. I was granted the government mandated CARES act forbearance because I have an FHA loan and was severely impacted by the pandemic. After the forbearance ended, XXXX XXXX and Midland Mortgage both failed to conduct any type of formal review of financial circumstances, ability to pay or provide access to any government programs that they are required to make available to struggling borrowers. Instead of conducting a review XXXX XXXX kicked the can down the road and sold the loan to Midland Mortgage. Instead of working with me to provide options to address the payments that had been set aside due to forbearance Midland told me there were no programs available and that I must pay full reinstatement to stop the loan from going into foreclosure. This is a violation of the CARES act that was mandated by the government, Midland is required as servicer to provide options to recapitalize or defer the missed payments or to consider a loan modification or repayment plan. This never happened. I have worked as a XXXX XXXX XXXX XXXX XXXX XXXX for 10 years and my wife XXXX is a stay at home mom caring for our XXXX children ranging in age from XXXX to XXXX. Within a month or two of Covid outbreak in spring 2020 many of the workers caught covid and unable to work and it started infecting the entire crew. To date I have had it XXXX times and my wife XXXX times. When I first got sick they made me quarantine and would have to get a positive test then wait two weeks before I went back. When my wife was sick and there was no in person school I would have to stay home to take care of the kids because we could not afford day care. At that time I contacted previous lender XXXX XXXX and they told me about the CARES act forbearance which helped us out for XXXX months. I ended up having to renew the six month forbearance 3 times because I was still struggling financially due to the impact of XXXX. When the last forbearance ended in XXXX I asked XXXX XXXX about resuming payments, and they said that I should just hold off on payments and they were going to look at a loan modification that would roll the payments back into the balance of the loan. After several months I contacted XXXX XXXX again to ask if they needed to review my financial documents or if they needed anything to review me for assistance and they said no. They were not sending me delinquent notices or attempting collections and I trusted them and waited. They never requested financial information, they never gave me any answer or feedback on the review that was allegedly being conducted and instead next thing I knew was that the loan was being transferred to Midland. I tried to talk to Midland agents about looking at a loan modification. Instead of providing access to government homeowner assistance programs as required their agents obstructed the process and denied my family access to the government programs that should have been made available. I was told that the only option was full reinstatement, in direct violation of CARES act forbearance guidelines. Midland told me they were going to start foreclosure proceedings so I ended up filing XXXX XXXX bankruptcy to fix the problem. Unfortunately while on the road at a job site my zoom meeting with creditors went offline and as a result the bankruptcy was dismissed. I am worried that Midland will foreclose on my home now
10/05/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • GA
  • 30087
Web
I enrolled in the Covid Forbearance Program due to financial hardship I incured as a result of the Covid lockdown order. The program ended XX/XX/XXXX On XX/XX/XXXX I filed to request for partial claim of the forbearance amount and a COVID Advance Loan Modification. I filled out the required forms online and uploaded the supporting documents to the Mortgage Assistance Center platform. Once I uploaded the documents, the status changed to Pending Review, as expected. A few days later, I logged in and found out the status changed back to Not Received ( without notifying me by mail, email or phone ) as if I didn't upload any documents. I resubmitted the documents. To avoid any delays in processing my application, I followed up with a phone call to XXXX XXXX XXXX to confirm that they received these documents on their end. I later received a letter dated XX/XX/XXXX denoting that my application is complete as of XX/XX/XXXX and it is going through the review process. A day later, I received a statement dated XX/XX/XXXX requesting that I pay the full forbearance amount of {$15000.00} by XX/XX/XXXX. As I am unable to pay this amount by the due date, I called the XXXX XXXX XXXX to speak with a representative who stated that " they understand if I can not make the payment '' but offered no reassurance of adjusting the amount, or explaining the repercussions I may face if I do not make the full payment by XX/XX/XXXX. The front line representatives are cordial and professional, but do not seem to have a grasp of what the review process entails ( Training/Access Restrictions ). Accordingly, I feel that I can not rely on their answers and just wait in limbo while risking the loss of my home due to unnecessary and avoidable delays. On XX/XX/XXXX, I logged into Midland 's Mortgage Assistance Center and saw that they are listing the initial application for assistance, which I filed on XX/XX/XXXX, as " Not Received ''. I sent a second email to the company at XXXX explaining that I had already filed this form a month ago, to which I have not received a reply, other than the automatic response that my email was received. I performed an online search for similar issues, and it seems that there are a lot of complaints against the company, including an article on the XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, many of which in regards to the same practice of submitting and resubmitting documents which delays the process and results in homeowners defaulting and potentially losing their homes. I do not want to face a similar ending. Now I am faced with the total amount of Forbearance due which I can not pay and I am late on as of XX/XX/XXXX, and even though I received a letter confirming that the application is complete and is pending review, the Midland Site now shows that the Application Form itself, the main document to start the process and which I filed 30 days ago, is marked as " Not Received '' as if the process itself has not begun. I had also submitted their Unemployment Affidavit form and Letter of Job Offer, both show as " Not Received '' in the " Income Verification '' field. I understand that there may be a spike in the workload due to the Forbearance program ending, but the discrepency between the information on the portal ( showing that my documents were not received ) and what the customer service reps are telling me ( that they have all the documents ) is worrisome to me, as I do not want to continue to be in the infinite loop of submitting and resubmitting documents and risk my application being delayed and losing my home due to technical glitches/oversights.
02/18/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 787XX
Web
I purchased my home, the above address, in XX/XX/XXXX with an FHA loan as a single working mother. My loan is through Midland Mortgage. I got married the summer of XXXX. I am going through a divorce that has resulted from my husband 's assault with a deadly weapon and several other charges. My home is separate property, I purchased this home with only my name on the mortgage, title, deed, etc ... on purpose to save my children and I from any possible chance of my home being taken away from us. I have been on an 18-month COVID forbearance that ended XX/XX/XXXX. I was told that the amount of forbearance would be deferred to end end of my loan and would be due if/when I sold my home or paid it in full. My mortgage company knew I was separated and never asked for my husband 's signature on any documents at that time or said this would be an issue, and I did not think to ask as I am in real estate and know my home as separate property. I have been in contact with Midland Mortgage throughout the entire process. Towards the end of the forbearance I called them several times to make sure all was okay with my loan and asked them to recalculate my loan, making sure my homestead exemption was taken into account. When I called to make my first payment in XXXX, Midland Mortgage informed me they would need my husband 's signature on the paperwork and would need a divorce decree. I explained to them he has nothing to do with this, and furthermore don't have a divorce decree yet. They told me I couldn't make a payment and they needed to see my title. I sent them everything I could, including the public information on the XXXX XXXX 's website showing the house in my name only. I continued to be in contact with them, they would tell me my request was in processing a few times. I called them anywhere from 30-50 times. My divorce attorney, who is pro se and works with the women 's shelter that was helping me. She tried to explain to Midland that they were reading the law wrong-this actually is separate property. They would not budge. I had a representative with HUD contact them with me, they would not budge. My home is now in foreclosure with a sale date of XX/XX/XXXX, I was just informed!!! This is public information and I am receiving so manty calls and texts every single day. I do not want my kids to know this is going on as this is not their worry and/or fight. Midland has tacked on all kinds of fees and has added this onto my credit as being behind on my mortgage on my credit. Aside the facts that I have never missed a payment, all the PMI and downpayment and EQUITY I have built up over the years, and the amount they say I owe is way more than I even purchased my home for. How can my government-funded ( secure ) loan be foreclosed on in this manner, just by them misconstruing the law wrong? I have lupus and am a single mother on disability now. I am trying to get back to work, this has made me so sick! My children are teenagers now-daughter just started college and is living in my home and my son who is a sophomore in high school. My son has XXXX and has a pitbull for his best friend and therapy dog. I do not have a large income, being on disability, my credit is terrible now. I would not be able to afford or get approved for anything, and my son can not lose his dog!!! Any help that y'all can give us, is so appreciated! I was so excited you reached out to me, thank you!! You can contact me at your earliest convenience in any way with anything and if you get my VM-please leave a VM, thank you so much again and I look forward to hearing from you soon.
06/06/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NY
  • 11967
Web
I want to express my frustration working with XXXXXXXX XXXX as so its called, in working on a Loan Modification on my subject property located in XXXX, New York. I'm very certain that XXXXXXXX XXXX are receiving many lawsuits due to mismanagement of files, and also misdirecting clients and forcing some clients to loose their house to foreclosure due to not understanding the the situation of the client. My complaint has been going on with XXXXXXXX XXXX for a while. It started over a year ago with the simple request of a Loan Modification due to I was facing a Hardship and could no longer afford to pay the mortgage of my house. All the time through the process, they kept requesting the same documentation over and over again with no results. They claim most of the time that documents were not received or mishandled. All the time we tried contacting the bank for an update of our process, there was a different representative, not only did they not know what was going on with the case and file, but they could not even find any updates nor any documentation regarding my file. Most of the time they kept telling me that there were no current updates and that the account specialist will follow up with me regarding the file, which they never did.It is not my fault that i felt behind on my mortgage and have caused this large debt to be accrued. I have done everything in my part as they have requested, until this date no resolutions has been reached. I finally was able to execute a complete package, and have the correct income to qualify for not only my mortgage, but for the Loan Modification as well. Now, for the past Loan Modification reviews, they have denied me for the same deal. First, they keep saying my income is not enough to support a payment. How is this possible, our income is above {$4000.00} a month, our mortgage with principal is only {$1000.00}, that is not even 50 % of our monthly debt.In other instances, they deny me because they can not do a loan modification for 2 years, my last one was more than 2 years ago, but at the same time, they keep pushing the foreclosure upon my property while advising me that I can not be reviewed until at least XX/XX/XXXX. I attached copies of the last denial. Also, to make matters worst, the Foreclosure attorney " rejected '' the answer I gave regarding my mortgage summons, and also withdrew the case from court as default. Please I need your help understanding my situation, I want to keep my house, and I need your help to keep it. I do not want to face a foreclosure and be forced to live in the streets with my family. All I'm looking or is for HELP!!! You have all required documentation with updated information for a review, and you do not want to open a template for a review of a loan modification for a possible solutions, all you want is to sell my house on a foreclosure auction unless we can reinstate. If I was able to reinstate the loan, I would not be asking you for help when I really need it. I believe you have executed " dual tracking '' on my case. If I was in the process of a Loan Modification, foreclosure should have been placed on hold until the review is completed. You are against the Law at the moment for not opening my case for a Loan Modification, and forcing me to foreclosure. I believe its just not fair that you can't give me the opportunity to have the file be review for a Loan Modification, to give me the opportunity that I can show you I can afford my house, and have a win win situation not only for myself as your client, but for the investor of this loan.
07/05/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • OR
  • 973XX
Web Servicemember
Early XX/XX/XXXX I called XXXX XXXX XXXX because our Covid deferment plan we entered into in XXXX was still not reflecting on the home page. I was told the loan was being sold to Midland Mortgage and that everything would go on with no interruptions and they would be honoring the agreement. My first new payment on the plan was required in XXXX and I had made every required payment according to this plan. I told them I was concerned that the agreement was not reflecting on my loan. I was told there were no issues. I then received paperwork from Midland that they now owned my loan and a payment coupon with the agreement amount on it. I immediately called them as my loan showed 8 months delinquent. They told me they did not have copies of this agreement and that I needed to call XXXX XXXX XXXX and get them. I did this and uploaded the documents per my instructions. This individual was XXXX XXXX XXXX. I called the following Monday and they said they couldn't take them from me they needed XXXX XXXX XXXX to send the documents and would reach out to get them. This did not happen. They kept saying they had time according to the law. I called one a week getting the same or different answers being told I would need to apply for mortgage assistance with them. They were not honoring the agreement with the previous lender. But the previous issue was covid related. My husband is a XXXX veteran with a XXXX XXXXXXXX issue now. Finally I was able to get assistance from XXXX at XXXX XXXX XXXX and her supervisor. She then got on a conference call with XXXX XXXX with Midland and told her that I did nothing wrong. All paperwork had been executed properly and signed by the VP in XXXX prior to the sale of the loan to Midland. XXXX and XXXX exchanged emails and contacts and agreed to work together to resolve and call me that Friday. No call came. I called and left a message the next Monday with XXXX XXXX no call back. I called again the next week and was told yes the VP signed in XXXX and they had the copy and they were just trying to finish everything up and they would call me that Friday. No call came. I called today XX/XX/2023 and spoke to a supervisor XXXX XXXX who again stated that XXXX XXXX XXXX did not complete the covid plan correctly and send it over to them correctly so it was null and void. I would have to begin a mortgage workout program with them which would destroy my credit at no fault of my own. I tried again to explain the situation and that in a joint conference call between the banks it was determined that I had done nothing wrong and that Midland needed to honor the agreement. I was again told I would need to start a workout with them and the covid agreement would be null and void. I called XXXX XXXX XXXX and again they said the agreement was completed and signed XX/XX/XXXX and the loan sold XX/XX/2023 and because it was completed that XXXX XXXX is required to honor it. They are refusing. None of this is due to any error on my part. This is only an issue because the loan was sold. XXXX XXXX insists that this is a fully signed agreement and must be honored as it was completed prior to the sale. Midland is violating my rights by refusing to honor the previous agreement. As of today XXXX XXXX sent an email to send yet another copy of the agreement to them directly. XXXX XXXX continues to refuse to follow the agreement most likely per XXXX XXXX because it did not like the terms. But the agreement was fully executed and my rights are being violated and Midland refuses to communicate or resolve this situation.
04/04/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IN
  • 460XX
Web
In XX/XX/XXXX I bought my house and my mortgage company was XXXX and I had not one problem with them. In late XX/XX/XXXX my mortgage was sold to XXXX XXXX and it was pure torture and frustration from that time on. Payments made on time but were not applied to account or were received " late ''. If payment did not include the late fee it was considered a partial payment and not accepted, you then had to send a check for the entire payment including the late fee. I received a letter that my XXXX payment was received late even though I had mailed it in on XX/XX/XXXX, the letter was received after I had mailed my XXXX payment in on XX/XX/XXXX, both payments mailed 3+ weeks early. I called XXXX and was informed that I was now a month behind and that I needed to send in 1 check for both months including the late fees to bring my account current. I was informed that my checks had been shredded so I sent them the double payment plus late fee check. All 3 checks went through my bank, all on the same day. Over {$3200.00} taking from my account which overdrew my account with only {$800.00} going to my mortgage account. It got to the point where I had to send payments in 3 weeks early AND include the late fees before they would accept them. In XX/XX/XXXX I received a letter stating that I was in foreclosure. When I called XXXX they said it was because they haven't received a payment since XX/XX/XXXX. I informed them that I had all my cancelled checks and then they asked for the checks, not notarized copies faxed to them, but the original checks. I called a lawyer to help me out and we did a refinance. I started having my payments electronically transferred from my bank and I Still received letters that my payments were late and to send a payment that included the late fee. I had the bank 's legal department call them numerous times-about every 3 to 4 months.It took them only 18 months to put me in foreclosure. In XXXX it started again where they said my payment was late, this time because the money went for " undisclosed fees '' and late fees. When asked about how much in late fees, I was told over {$1400.00}, divide it out by the amount of my late fees, I would have been late every month for almost 10 years-2 years before I was with them, again I was going in foreclosure, I had to take withdraws out of my retirement to keep up with their demands and constant threats. I sent them almost {$150000.00} over the entire time I was with them, where the money went I have no idea and nobody can tell me because they do not have access to that information. When asking for a payoff amount I was told different amounts from {$100000.00} to almost {$120000.00}, on a house I paid just under {$96000.00} for in XXXX10 years earlier. I feel like I have been XXXX over and over again by these people. They have wiped out my retirement and trashed my credit. I did a short sale and during the process I quit making payments. XXXX decided that my house was abandoned on XX/XX/XXXX, but I was still there. XXXX gave me until XX/XX/XXXX to be out of my house, but they put a lock on the door on XXXX and I lost everything, furniture, appliances, family heirlooms, my kids baby pictures-stuff that can never be replaced. Then 2 weeks ago I received papers that say they reported the difference between what they sold the house for in the short sale and my balance to the government as income ... .so now I get to pay taxes on all those " undisclosed fees '' that somehow became income. Somebody please stop these people.
05/16/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • GA
  • 30038
Web
Our mother passed away in XXXX XXXX XXXX, we notified the mortgage company at the time and continued to pay the mortgage, however our mother was the primary earner and with her death came a 90 % decrease in household income. In XXXX XXXX XXXX the Mortgage company sold the mortgage to another mortgage company. We notified that mortgage company of her passing. Our mother died in XXXX and we filed for administration to begin the process of locating insurance policies and beneficiary information from her retirement fund. However due to COVID-19 the courts were closed and there was a XXXX month delay in getting letters of administration. When the letters were received, there was additional delays getting a response from insurance companies and the XXXX XXXX XXXX ( XXXX ). These delays significantly impacted our ability to make mortgage payments and we requested a forbearance with the intention to request a modification. We started the Modification assistance process on XX/XX/XXXX, we submitted an application along with the supporting documents listed and began the process. Since that time, we have experienced what we have come to find out is a docsing, we were continually asked to provide additional information and when the information was provided, we would receive a correspondence saying the information was not provided. This has continued for months. My god-brother who occupies the property is XXXX and receives XXXX income which would not cover a mortgage. We advised the servicer of our plan to vacate a condo so taht it could be rented and the income applied to pay the mortgage as part of the modification. They requested proof of ownership, and a executed lease which we provided. They continued to request documents taht had been previously provided including the letters of administration they claimed they did not have even thought the correspondences received are addressed to the Estate of. This process has been exhausting and freighting because we truly up to this point felt that the objective of the servicer was to help us, instead we have come to realize that it is not. Despite continually providing and updating information requests, we were notified in a correspondence dated XX/XX/XXXX, that we received on XX/XX/XXXX that we were not approved because we did not provide proof of hardship ( death certificate ), utility bills, recorded transfer of ownership, all of which had been provided to them. They immediately placed the account in foreclosure. We were advised that our only option was to re-apply which we did, submitted all the documentation required and previously submitted. Even though the application was in process we received a foreclosure sale date. In speaking with the attorney handling the foreclosure he stated he was unaware of the modification in process. I am told that this is called dual tracking and is not permitted under the FHA guidelines. With the new modification application comes the same games, despite calling and getting confirmation that all the required documentation has been received, we continue to get told that something submitted has not been received. In two separate correspondences dated XX/XX/XXXX and XXXX XXXX, it confirms that the application status is complete. However on the website it says that items are missing. This servicer is engaging in a practice that is unscrupulous and underhanded taht does not conform to the guidelines established by the FHA with regards to the COVID modification process.
11/27/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IN
  • 46052
Web
Please reference complaint IDs XXXX, XXXX, and XXXX Regarding the company response in XXXX, MidFirst did not have appropriate authorization to winterize and inspect my property. Once again, XXXX Properties at the direction of MidFirst was in my house doing a 48-hour meter reading test on XX/XX/XXXX. They have now resorted to stalking me when I am not home and going in my house. I have provided plenty of proof that I am currently occupying the property and even posted my electric bill in a complaint on CFPB. This all falls back to MidFirst thinking I am under XXXX XXXX and must report to them when I am home and when I am not home. They have no business or need to know whether I am home 1 day a week or 7 days a week. They had no business entering my house without notification, my permission, or any court order. They have my mailing address, phone number, and both email addresses with my name and account number. We have had communications with all and there is no reason they should not be contacting me if they think the house is vacant. Repeatedly, I have proven and told them the house is not vacant, with CFPB as witness documented in these complaints. Further, they claim I seem to meet the requirements for a short sale, yet, according to the website, I am ineligible for a short sale when I go into the mortgage assistance application to fill out for a second time. They also said the application was pending evaluation. If we have not been in communication, how would I have an application pending evaluation? I would not select a short sale. I would keep the home and make payments ( exiting covid forebearance plan of adding past due to principle and continuing to make regular monthly payments ) or sell it. I chose to sell it. They claim they have had no communications with me. My phone logs, emails, and letters I have received from them tells a different story. So, not only are they blatantly lying to me every time I communicate with them, but they are also now blatantly lying to the CFPB in response to my complaints. The house is sold. There is no need to apply for a short sale or submit a second mortgage for assistance application as I have received my payoff with Midland Mortgage and that will be paid in full within the next two or three weeks just prior to closing on or before XX/XX/XXXX. The house has since been de-winterized and there is no reason or need for XXXX XXXXMidFirst bank to enter my home when I am not home and especially without my permission. I will gladly provide more photos, video, and neighbor statements that proves how dishonest MidFirst bank is being. I am presently putting all documents and communications in chronological order. If MidFirst/XXXX properties enters my house one more time I am going directly to The Michigan Attorney General. This is going above and beyond encroaching on my rights and freedom. The bank does not have any court order that allows them to dictate when I am home and how often I must be home. My last communication with MidFirst was on XX/XX/XXXX at XXXX p.m. with XXXX at XXXX for an account status and this was MidFirst response : The account is still in forebearance and we have a memo from you stating you are able to make a payment until the house closes. I have that memo along with several others. She indicated there is no purchase agreement on my account which was another lie. That has been sent to MidFirst 6 times and posted once on CFPB in a complaint sent directly to them.
04/26/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 77433
Web
On or about XXXX XXXX I contacted MidLand Mortgage about a letter I had received about my flood insurance policy. I was told that the current policy was being replaced ( I was told today by XXXX that there is a letter in my file stating it canceled because I lived in a mobile home - NOT TRUE -however it was said to me today on a recorded line ) I was told that flood insurance placement was put for on my home me - the way it was explained was it was exactly what I had. At the time I did not know that placement was a bad thing. I thought it Midlands way of continuing to take care of my insurance like it had been being taken care of. At the time of my call ( It was a year ago ) I was told that what I was being placed was the same as I had. I asked about the cost since it went from {$360.00} to over {$1000.00} and was told that Flood Insurance was Government issued and with all the recent floods the cost went up and that was the reason for the increase. I can barely pay my mortgage so when I called in XXXX of 2015 had they told me that the placement insurance was 3 time the amount of the flood insurance that I needed ( See XXXX page for 2015 ) and not nearly what I had I would have gotten to the bottom of why the XXXX insurance was not still in effect - I was told that what was placed on my mortgage was the same as I had and the cost was Government regulated and it was what it was!! I live in a what is considered a very high risk flood zone I am required to have XXXX insurance after talking to the XXXX XXXX XXXX XXXX being in a flood zone I was advised by them that even when a mortgage company does placement insurance it should be through the XXXX insurance program which was not done. I know now that XXXX did not cancel my insurance because I lived in a mobile home they canceled it for NON PAYMENT! My insurance was escrowed so it was not canceled because something I had done it was canceled because something Midland Mortgage DID NOT DO! I have a copy of the renewal that was sent to Midland Mortgage for 2015 by XXXX they sent it directly to Midland not to me. I did confirm with XXXX today that the address they sent it to was correct and it was not returned to them. I should have never had forced placed insurance on my mortgage I should have had the XXXX XXXX insurance for {$360.00}. I have property damage from the recent flood and now I am being told that I have no coverage - AGAIN THIS IS NOT BECAUSE OF SOMETHING I DID! It was because MidLand DID N'T pay the bill! I was advised to contact someone in the corporate office of Midland and make them aware of my issue and damage and give you the opportunity to fix it. Please be advised that I have thousands of dollars in property damage that I am being told now is NOT covered - this is WRONG on so many levels. I did nothing to have this happen to me! I pay my mortgage it my be late because I struggle to pay it ( again I asked why the placed insurance was so high and was told it was regulated by the government and that 's what it was! ) If I knew I could save $ XXXX a year I would have researched what was going on!! Here is a link to the damage that I have XXXX I currently have no running water in my home! This is a serious matter and need attention right away! I also need information on forbearance with my loan because of this disaster that has happened to my home and my community. Thank you in advance with your help with this matter! XXXX XXXX XXXX
05/06/2020 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
  • 32225
Web Servicemember
In addition to accessing my credit report without disclosure, outside the realm of monthly reporting, to interchangeably submit information related to 2016. whose purpose was to update historical information and not affect my score, caused a severe score drop that adversely changed my credit rating in all three credit bureaus, Midland representative XXXX XXXX told me the submissions were required by FEMA, Of which I called FEMA and was advised this was not at all the case, I was later told by a different Midland representative that it was an in-house practice. Pertaining to these matters I have not yet received any emailed correspondence to date that I asked for and was told I would receive. It was necessary to make reference to the above related complaint filed previously with CFPB, because the undisclosed reporting initially causing a 41 point drop in my score, was the start of a domino effect that has caused an additional 34 point decrease in my credit scores Midland advised me they would submit a correction because of the manner in which they submitted the remarks did not include the time frame which was 2016, XXXX XXXX said the line was not long enough to indicate that it was 2016. After spending many hours on the phone with XXXX, XXXX, XXXX and MIdland representatives, who are unemphatic to the emotionally stressful situation they have caused me, impatient and not willing to talk to me, but transfer me to voicemails, XXXX, a Midland representative presented an option of sending a form to the credit bureau which would stop Midland from their in-house practice of reporting information to the credit bureaus not related to the normal monthly practices of account reporting ( i.e. payment status ), in the process, Midland has cause my score to drop 34 additional points by re-reporting the late payments from 2016. These payments during my modification in 2016 should already have been accounted for years ago and a part of the detriment of my score in 2016. Why did Midland not report the late payments during the Modification in 2016? If they did then they need to advise the credit bureaus of this instead of the late payments that happened in 2016 being added to my record like new late payments. If Midland did not report them, they should not be allowed to do so now. Midland representatives display the lowest level of professionalism when I call, giving me the run-around, initially being accountable for their errors, now unwilling to speak to me and not accepting responsibility, them changing their stories, no uniformity, and very impatient to my distress caused by them. I pay ALL of my bills on time and have an exceptional payment history even with them, however during this precarious time of a pandemic, instead of being able to focus on myself and my family staying healthy, I am distressed and emotionally distraught beyond words fighting for something I've worked so hard to obtain ( my XXXX credit scores, ) and watching it being snatched from under me by the careless and unfounded actions of Midland Mortgage. XXXX XXXX keeps saying they are not responsible for how the credit bureau determines score after they submit information, however the real issue is why the XXXX are they submitting information not required by law in the first place about matters they have NOT disclosed to me, the customer? Midland Mortgage has violated my rights as a customer and the Fair Credit Report Act
06/13/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • VA
  • XXXXX
Web
We are facing a foreclosure sale date on XX/XX/XXXX due to the fact that our mortgage lender XXXX XXXX has denied us access to government homeowner assistance programs that they are supposed to be considering us for. We have an FHA loan and there are programs for distressed homeowners that could resolve this matter. Our issue is that XXXX has ignored our requests for assistance -- we talk to a different person every time, and then they tell us to send paperwork in but it gets lost or misplace and we spend months on the paper chase. When they finally have all of the documents we are told that we are not eligible to be considered for modification programs because we had received help in the past. They don't review us for a repayment plan or some type of compromise so that we can fix the problem, instead they just set the sale date. We never received proper notification of the sale date and we never received XXXX XXXX paperwork which is required to be sent out in order for XXXX to set a sale date. We were only a few months behind and this was a problem that could have been fixed and a foreclosure that could be avoided. However, XXXX decided to ignore the rules and guidelines and do things their way and now we are in this terrible situation. We bought our home in XX/XX/XXXX with an FHA loan through XXXX XXXX, which was transferred to XXXX after about a year. I work as an elementary school teacher ( going on 40 years here ) and my wife had worked as an office clerk but went on medical XXXX several years ago. We had no problem with our monthly mortgage payment of {$1100.00}. A couple of years ago we had some financial problems and applied for and were approved for a modification that lowered our payment about {$80.00} a month. About 18 months later my wife and I began having some marital problems and this led to stress, legal costs, time missed from work etc. We sporadically missed some mortgage payments but kept trying to get caught up. XXXX was gladly accepting our payments for several months then suddenly in early XX/XX/XXXX we were told that they would no longer accept our payments and that we were going into foreclosure. We wanted to resolve the matter and were told that we needed to pay back the three months of delinquent payments along with thousands of dollars in late fees, legal fees and junk fees. We were unable to do this and prepared a package of our financial information to submit. We were given the runaround and the paper chase by their agents -- we were never assigned a designated point of contact and an actual review never took place -- instead we were told that we were not allowed to be considered because we had been modified less than two years ago. This was never explained to us at the beginning since we had no point of contact. Additionally, we could have been considered for a repayment plan or even for a simple partial claim since we were only a few months behind but their agents refused to lift a finger. Instead of working with us they filed paperwork to auction off our home. We are facing foreclosure on XX/XX/XXXX, and feel the sale date should be postponed so that we can be considered for government homeowner assistance programs that XXXX is required to offer. The two year moratorium on modifications has passed, and there are also OTHER options that XXXX blocked us from including repayment plan and partial claim.
08/25/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 94534
Web
I received an alert on all 3 credit reporting agencies that midland reported me late in XXXX. I called midland and spoke to a rep who informed me that it was an error on their part and it would be fixed and here we are in XXXX it has not. Furthermore, when I applied for the mortgage assistance program in XXXX, I called yo verify when was the last date for the paperwork to be due since I had also applied for the state assistance and the rep told me to mail it no later than XX/XX/XXXX. I mailed it in about XX/XX/XXXX, XXXX confirmation it arrived before XX/XX/XXXX, only to be told that they couldnt accept the document because the rep told me incorrect information and it was due earlier and that it was my fault for the rep telling me wrong information because I can read and the paperwork stated XX/XX/XXXX. I informed the rep that his behavior is so unacceptable because we rely on the reps as subject matter experts and if the information told me was wrong, it wasnt my fault and who even makes such a comment Nevertheless, I went and put in a new application for mortgage assistance right away and when I called to follow up, I was informed by the rep that for some reason the system errored out and I needed to complete a new application so I have consistently made payments and been in touch with midland so there should not be any late payments reflected Please fix my credit report and stop blaming me for your error and misinformation Another incident occurred yesterday XXXX, when I returned to the states after burying my father in which I saw that my monthly mortgage payment had increased. I spent an hour with the girl arguing me that the higher payment was due to a calculation that their evaluator performed and when I pressed her how was the amount derived she said she didnt have the information, when I asked her to reach out to the evaluator she says she didnt have access to the evaluator giving me the run around. She then changed her story after I asked her if it was her back account or any of her acct if she would be satisfied not knowing how an extra payment was calculated she then came back and incorrectly said the calculation was due to escrow evaluation showing a shortage in my acct. I asked to be transferred to the escrow department in which he informed me the rep told me the wrong information as I actually have a surplus in my account and then I asked to be transferred back and asked to speak to a supervisor who apologized for the miscommunication and I brought his attention that their own website under the escrow tab shows I have a surplus, therefore their should have been a decrease and not an increase and he apologized said he couldnt fix it on his end but he would forward to the appropriate department. As of today XXXX, I am waiting for the fix per suoervisor XXXX who stated he escalated my concern and correction of my account As of XXXX, I spoke to supervisor XXXX- id XXXX, who is again looking into the credit reporting issue to get this resolved All in all, it is very frustrating and take days out of my time and work having to deal with midland mortgage incorrect information by reps, inaccuracies and blaming the customer and ultimately going back and forth with the customer to fix their error of information in a timely manner
09/23/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NY
  • 109XX
Web
Background : During the XXXX while my loan was on forbearance XXXX sold my mortgage to XXXX XXXX. I have always made my mortgage payments when one was due and am currently up to date. Every experience with XXXX XXXX has been horrible. At best they are incompetent but I fear there could be something else in their business practices that requires further investigation. Issue 1 : XXXX XXXX informed me I was eligible for a loan modification. The first document they sent me had my name as well as my Tenant in XXXX ( XXXX ) listed as borrowers. They were clearly trying to add liability for the loan to someone that was not on the original loan they bought. I informed them this document was unacceptable and XXXX would not sign it. Issue 2 : They provided me with an updated loan modification document that still required my tenant in common to sign in all areas I needed to sign. The document still called my tenant in common a borrower. All that was added was something that looked like it was added by an intern saying " XXXX is not liable for this mortgage ''. They still required her to sign everywhere as a borrower, referred to her as a borrower but put in 1 line to make whether she was liable questionable. We consulted a lawyer who said it was the worst document he had ever seen and that she should not sign the document. At this point to complete the modification I paid for a " Quit Claim Deed '' to be processed to remove her name from the deed so she would also be removed from the loan document. Given the stress of this process I was happy to mail in the completed documents and confirm with their customer services that everything was complete. I was relieved to finally be done with their incompetence and questionable business practices Unfortunately this week ( XX/XX/21 ) I received a call from them that the documents I submitted had been rejected. Finally XXXX XXXX admitted the error was caused by them. They confirmed I had done everything correctly and that their underwriting had caused the error. They demanded I re-sign all the documents within 2 days to correct their errors. They would not promise me any compensation for the time and stress they have caused me. They would not promise the person that made the error on their end would be punished. In the end because of their mistake I had to suffer the lost time and anxiety. Given the proven incompetence and questionable business practices outlined in Issues 1 and 2 I will not need to spend hours reviewing and signing the document in order to get the modification approved and XXXX XXXX admits fault yet will not suffer any negative consequences of their actions. I have written on many review websites about this experience but I assume XXXX just buys Mortgages and does not care how they treat their clients or about their awful reviews since the clients do not choose them and have no way out. This is why I have turned to the government agencies to hold them accountable. I strongly encourage you to review whether this company should be permitted to purchase loans and treat other people in the same manner they have treated me. I did not choose this company and now am stuck with their questionable business practices, inept customer service and horrible management for 30 years.
08/28/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 275XX
Web
In XX/XX/XXXX I contact Midland Mortgage about my account # XXXX regarding Hurricane Michael and some damage it had caused- a power surge had killed my dryer and fridge. I was inquiring about help with mortgage so I could also replace those. It was more expensive to file an insurance claim than to just replace the items. Midland suggested I apply to go under the disaster forbearance plan, seeing my county was declared a natural disaster. They put me into the plan until XX/XX/XXXX. They then told me that if I could not repay by then that I needed to call a month earlier to start a modification process to keep my account in good standing so it wouldn't affect my credit. on XX/XX/XXXX I applied for a modification of my loan- as I had been instructed. I sent in all documentation the same day as it was requested, and was on top of it. I wanted to be sure this did not affect me. I was not past due on my loan prior to entering into the forbearance and didn't want anything on my credit to change. They came back for more information, which I would send back. Finally, on XX/XX/XXXX I received the Trial period agreement with a start date of XX/XX/XXXX. I was informed not to make a payment prior to that date. Then and ONLY then in 1 tiny little statement when its way too late is there a statement about credit reporting does it say something about it- but again- I didn't think much about it considering all I had been told and I had done all that was asked of me. I sent in a cashiers check and they processed it XX/XX/XXXX. I then made the 2 following trial payments on time as well. I received the final modification package to sign XX/XX/XXXX, and have made each and every payment as requested. I did everything requested within or before requested of me. I just recently tried to take out an equity loan, as I had major XXXX XXXX earlier this year, and have some medical bills, and credit card bills I would like to pay off. But, I discovered at that time, that Midland has hit my credit hard with past due marks during this ordeal. Something that was not communicated to me during the process. I was told during the very first conversation, that if I didn't want it to hit my credit that I needed to modify before the forbearance was over, or seek modification so that wouldn't happen. That is on recording at Midland Mortgage. And that is exactly what I did. Why would I mess up a perfectly paid account instead of seeking other options? I was misled into this plan, and now my credit has been affected. And they " apologize '' for the miscommunication. It was on their end. They stated to me on XX/XX/XXXX that the Federally declared disaster area ended XX/XX/XXXX. So by Federal law they had to start reporting in XX/XX/XXXX. However, my plan states I'm in a disaster forbearance the entire time. That is misleading. Also, my credit isn't marked for XX/XX/XXXX, but it is in XX/XX/XXXX, which is also misleading. I am asking that the negative remarks be removed from my credit. I understand, I didn't make payments during that time. I was doing so under their advisement, however, negative remarks are not on me, unfair and deceptive considering I did everything possible I was told to do in order to avoid them according to Midland Mortgage.
08/04/2021 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 34759
Web
FINANCIALLY SETTLED! Dear, Mr. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, and XXXX It is apparent that you have overlooked or ignored my request to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form. Accordingly, unless I receive your written confirmation that you will accept payment from me in consideration of your delivery to me the original instrument of indebtedness in its original form on or before XX/XX/2021, I will conclude that you are either unable or unwilling to comply, and I will thereafter consider the matter between us to have legally and financially settled. Letter sent certified mail and Fax on XX/XX/2021. UCC 3-501 also requires servicer to show authority to make demand for payments, if it does not own the note, but is servicing. In the event a note holder or servicer or will not exhibit the note or perform other legal requirements when requested to do so by the borrower, this UCC section allows the borrower to discontinue payments WITHOUT DISHONOR until such time as the note holder or servicer complies with all laws or contract provisions. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. VIOLATIONS of the Federal Debt Collection Practices Act ( FDC PA ), Truth in Lending Act ( TILA ), Privacy act, Identity theft and Fraud. FTC Please provide all the requested documentation requirements on the Notice and Demand to Cease and Desist Collection Activities Prior to Validation of Purported Debt dated XX/XX/2021, XX/XX/2021 and XX/XX/2021. Furthermore, must herein provide a true and certified copy of the complete audit trail of said account. In order for MIDLAND MORTGAGE to validate the debt FOCA, please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l conventions. I would also need a copy of your Tax Registration certificate! ( Exhibits, Homepoint Mortgage PAID IN FULL statement, FTC, XXXX and Attorney General Complaints ). Breach of fiduciary duties, failure of consideration, Misrepresentation of a material fact, unjust enrichment, no loan or consideration was given, Fraud! Intentional act of fraud. Fraud, deliberate concealment of material information, fraud is a felon. Failure to substantiate the claim, please settle account immediately within the next ten business days from XX/XX/2021. Warm Regards, XXXX XXXX XXXX XXXX XXXX and XXXX Reserving all my rights without prejudice Executor of the Estate XXXX XXXX XXXX
06/26/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 32246
Web Servicemember
This complaint is against Midland Mortgage. The loan number in reference is # XXXX. My name is XXXX XXXX XXXX and I am the XXXX & XXXX of XXXX XXXX and XXXX XXXX. My mother, XXXX XXXX passed away in XXXX of XXXX. The property has a mortgage of {$28000.00} remaining My brother and nephew wish to retain the property and reside there as their primary residence. The payment was being taken from my brother 's bank account via automatic debit. The property insurance increased in XX/XX/XXXX causing an increased mortgage payment. Midland attempted to withdraw funds from the account but payment was returned due to insufficient funds with the increased payment. Midland drafted a payment on XX/XX/XXXX for the XX/XX/XXXX payment. A letter was sent to the property address stating that the XX/XX/XXXX payment was due and there was an escrow shortage of {$830.00}. We went online and attempted to make a payment but were not able to because the returned payment or the account was in default. Nonetheless, a payment in the amount of {$830.00} was sent to bring the account current and the remainder to escrow to lessen the shortage. Midland took it upon themselves to place the entire amount in escrow. The standard procedure is any payment slated to go to the principal or escrow should have a written request accompanying the payment. I called customer service to address what had happened. I explained to the representative that my mother was deceased and I needed to talk with someone regarding the mortgage. On XX/XX/XXXX, I sent a copy of my mother 's death certificate, my birth certificate, and the Will identifying me as Executor of the Estate. The rep transferred me and I was asked to provide the mortgagor 's information. After doing so I was told that I misrepresented myself as the deceased mortgagor. I explained that the call was transferred from XXXX and I was calling on my deceased mother 's behalf and had submitted the requested information to discuss her account. I asked to speak with a Supervisor in hopes of having the payment reversed to bring the account current. We were prepared to pay the escrow shortage over the phone but I was met with unprofessionalism to more or less get me off the phone. The XXXX, XXXX XXXX # XXXX was no help and even admitted that Midland made a mistake in posting the payment to escrow. I asked her how did I know this would not happen again if I sent another payment and she could not guarantee that if would not. As XXXX of a XXXX XXXX XXXX, I have never been met with such reluctance to do the right thing. Midland appears to want this account to go into default and subsequently foreclosure. I mailed in the entire mortgage amount due for XXXX and XXXX. Their servicing practices are creating hardships rather than preventing them. If a mistake was made by the mortgage company , the mortgagee should not need a request from a deceased mortgagor to correct their mistake. I have been in the housing counseling industry for two decades and I have never encountered such unprofessionalism and reluctance to solve a mortgage delinquency. Mortgage Companies conducting substandard services to its mortgagors should not be allowed to service FHA loans.
05/09/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 33617
Web
XXXX, Now in a battle regarding the pipe repairs with the Insurance company the mortgage company has been receiving the mortgage payments and have not been applying the payments. Working with XXXX at XXXX XXXX, a XXXX XXXX advisory group on a group call and this is what came of the call " he was questioning the letter received which is a copy of the latest XXXX your office received about XXXX through XXXX payments and the outstanding XXXX due XX/XX/XXXX. XXXX was interested if they received XXXX in the last 30 days why had it not been applied to the case and the rep advised it was due to attorneys were listed on the case and they were awaiting an outcome just in case they needed to return the money to us. XXXX then asked is there a foreclosure attorney assigned to the case and he advised no and XXXX went to advise of the procedures before that level could be attained. He asked were we up to date and the agent advised that the next payment due was XXXX. He then asked about the outstanding payment of $ XXXX. Apparently, their story is when they bought the loan in XXXX from XXXX mortgage that was the amount due and they were recuperating it 15 years late '' With this being said. Midland Mortgage is not applying the payments and once the moratorium is lifted they can run an immediate foreclosure and refund the money already paid. As of today we are sending another mortgage payment that again they will not apply to the account. The loss mitigation was completed per the letter from Midland Mortgage XX/XX/XXXX. The payment agreement was not forwarded to the creidt bureau so it is affecting our credit report as not paid in several months and not reset as in the past. Why are they allowed to not apply the money that on XXXX they advised in a letter that was required ASAP. There must be something to offset the likelyhood of this foreclosure that is looming that they will spring at the latest possibility. a complaint has been forwarded to XXXX who have advised since they are not based in Florida the complaint has been forwarded to XXXX which handles banking issues nationwide. At this point i am looking toward who can assist. The bottom line the XXXX XXXX does not want to pay for the pipe claim because it is costly. We have just had an independent company run cameras through the pipe to verify the severity of the damage. So to avoid any payout from XXXX XXXX, Midland Mortgage is refusing to apply my mortgage payments to allow a foreclosure can be put in place for non payment. Adding an unknow fee of {$21000.00} supposedly owed from XXXX XXXX from XXXX when Midland Mortgage purchased the loan that they want due immediately or they will ask for the entirety of the loan to be due. Once Midland Mortgage purchased the loan from XXXX there was not a separate amount due from us to completed the transaction since the purchase was not done with our knowledge. Since we are not behind in payments and are not in foreclosure our issues differ than standard ways of assistance that can be provided. This does not take a rocket scientist to see the shadiness that is afoot. The question is in what direction can we find assistance.
12/17/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • MS
  • 39212
Web Older American, Servicemember
I purchased this home in XXXX with XXXX XXXX as the loan servicer. Some time later the loan was sold to XXXX Mortgage and later to Midland Mortgage. Every since Midland Mortgage got the loan I have been having issues with everything from just rude people to getting lender placed insurance. At first Midland place an insurance policy on the home for the then balance of around {$30000.00} dollars. In recent years I was told that they had to place lender place insurance that would insure the replacement cost of the property - roughly {$140000.00} even though the loan balance was around {$20000.00} at the time. The reason Midland placed the lender forced insurance is because the insurance company I had insurance with canceled my policy stating that I needed to put a new roof on the home. I purchased a new home in XXXX of XXXX and could not afford to do repairs on the midland financed home. Around XXXX of XXXX, the tenant that I had in the home relocated to another state and I could not get someone else to rent the home. I started getting behind on the property and have not been able to get caught back up. I have gone to Midland so many times since then trying to at first do a short sale and then a deed-in-lieu. At first Midland would not approve the short sale because they said that the house had been rented more than 5 years during the term of the mortgage. I contacted the XXXX about this and they told me to ask Midland to do variance. But when I went back to Midland and told them what the XXXX told me, they miraculously told me that the short sale was approved and that they would be letting me know what short sale price they would accept. About a couple of weeks went by and they then told me that the short sale could not be completed because there had been damage reported to the home and an insurance claim was open on the property. I was later told that I needed to complete or have a contractor complete the repairs with the insurance check that was sent by the insurance company to Midland. Also I needed to pay a {$1000.00} deductible. I asked Midland if they would just apply the insurance check to the balance on the loan and let me try to sell the home on the short sale basis. Midland told me that I would need to either fix the damage and apply the insurance check toward the repairs ( plus pay the {$1000.00} deductible ) or figure out a way to sale the property and pay the payoff balance minus the amount of the insurance check. I was excited about the second option until when I received the latest payoff which has new fees of {$5500.00} that I do n't know what for. Now I am stuck with trying to sell a house that appraised for {$6500.00} recently and payoff a Midland payoff amount that has mysteriously increased from {$9000.00} several months ago to {$16000.00} payoff now. Lastly Midland stated that the deed-in-lieu was not an option unless I choose to fix the property damage. They said that if I choose not to do either of the options above, they would proceed with foreclosure!
04/17/2018 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • PA
  • 17602
Web Servicemember
I bought my home with a VA loan that is currently held by XXXX XXXX. This companys agents have made misrepresentations and claimed that since I have a VA loan and I am delinquent that there are no options to restructure or modify the loan except for full reinstatement of the late payments. After a temporary hardship I contacted XXXX to ask for assistance and was told initially that they could help me and that I qualified for help. A few months later after a review they told me that I was denied due to lack of income. This puzzled me and they did not give a lot of details, and I believed that they had made some type of mistake. I resubmitted and updated package with the same income and a few months later was denied again.this time for too much income. I was confused and did not see how this made sense and began asking lots of questions. That is when I was told that since I had a VA loan and I was delinquent that there were no options. I checked on this and found this information to be false. There are modification programs, forbearance programs, repayment programs and they also can restructure the loan and incorporate the arrearages into the balance. I dont understand how or why XXXX XXXX thinks they can get away with this. Instead of working with me they scheduled a foreclosure sale date! They are denying me access to government programs that I qualify for. I bought my home with an adjustable rate VA purchase loan back in XX/XX/XXXX through XXXX XXXX. I have paid my mortgage as agreed with no issues until early XX/XX/XXXX when I suffered a fall ( I am XXXX years old ) and was injured and unable to run my XXXX and XXXX business for several months. This eventually led to a default on our loan ( after 12 years of on time payments ). As soon as I was back on my feet I began trying to apply for modification assistance. As I explained, their agents were very helpful at first and led me to believe that I qualified for help. After submitting all of my financial information a review was conducted, and ultimately I was told that I did not qualify due to a lack of income. I was certain that this was some type of mistake, so I resubmitted a new package documenting the same income that had been submitted in the original package. After a period of time I was told that I had been denied againthis time for too MUCH income. I was flabbergasted and started asking questions, and thats when their agents stopped giving answers. I continued to try and get XXXX to review me for government programs that are available for struggling VA homeowners but instead got the runaround. I was then told by one of your agents that there are no programs for delinquent homeowners with VA loans which I found to be false. I am a XXXX XXXX veteran and senior citizen and I do not deserve this treatment by XXXX XXXX. My hardship was temporary and I am back on my feet and able to afford a reasonable mortgage payment. I need the opportunity to be reviewed for all programs so that this situation can be resolved.
12/06/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Paying off the loan
  • CT
  • 064XX
Web Servicemember
I was forced to move to another state. House didnt sell prior to move. I fell behind on the payments, couldnt pay for two households. House went up for sale and was under contract to be sold on XX/XX/XXXX. This got pushed to XX/XX/XXXX. A payoff was ordered and it showed a per diem rate to be paid. That per diem rate was calculated and added. The payoff in the amount of XXXX was sent overnight mail to Midland Mortgage . Midland confirmed receipt of the check on Thursday XXXX. I asked them on XX/XX/XXXX if the account would be closed out and if everything was good. They told me yes, its processing. I called twice on Friday XXXX. Late in the afternoon on XXXX, my real estate attorney receives another payoff with about XXXXXXXX XXXX in charges. These charges were, from what I gather, to deal with a full foreclosure sale. However, they just referred my property for foreclosure on XXXX w/o telling me. I told my attorney, I dont owe any XXXXXXXX XXXX corporate advance, XXXXXXXX XXXX anticipated restoration fees, and XXXXXXXX XXXX in other charges. Furthermore, the lender told me that I was paid in full and everything was processing. Although, they refused to show me any information and my account was blocked online. I proceeded to call twice on XXXX, and I spoke to XXXX the Foreclosure Hotline supervisor and he tells me that everything is fine and that the check is processing. I called on XXXX to check on status and a lower level employee tells me that its processing and it will take 10 business days. He also tells me that I have to pay lawyer fees. I had enough at this point! Telling me this information today, after asking over and over. I was transferred to a supervisor and she refused to give me any payoff information. I was called by XXXX and he tells me the fees are legit. I said what inspection am I paying for! He tells me an inspection that happened in XXXX of XXXX. This is crazy! Then he tells me if you want things in writing, send us what you want in writing. I then called their foreclosure attorneys and I was given even more ridiculous info for all these anticipatory charges. I was told Midland has to cover what can happen between today and XX/XX/XXXX. Im confused what can happen?!?!??!!! There is a family already living in the house, the lender was paid in excess of XXXX, and theyre acting like there are still grounds for a foreclosure! They are trying to steal XXXXXXXX XXXX based on some strange reasoning. The attorneys accountant says if they dont use the money, they will send it back. Why am I sending money for such a reason, when a sale occurred and they have received a significant amount of money! The lawyers office continues to harass my real estate attorney asking for XXXXXXXX XXXX!!! I can not believe they are so hard up for money that they have to scam XXXX . Im paying for anticipatory restoration!!! Are you serious! The house is sold, what are you restoring!!!! This is an FHA Loan. There has to be some violations on the so many levels with this.
05/20/2021 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 34759
Web
I am writing to dispute an account # XXXX fraudulently opened in my name. I am a victim of identity theft. Midland Mortgage is attempting to collect an alleged debt on the basis of fraud. Midland decided to ignore my demands for ValidationValidation of the debt XXXX XXXX, XXXX and XXXX.I need an ( actual accounting ) 2. Verification of claim against me ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties under Federal Debt Collection Practices Act ( FDC PA ). UCC 3-501 also requires servicer to show authority to make demand for payments, if it does not own the note, but is merely servicing it. In the event a note holder or servicer or will not exhibit the note or perform other legal requirements when requested to do so by the borrower, this UCC section allows the borrower to discontinue payments WITHOUT DISHONOR until such time as the note holder or servicer complies with all laws or contract provisions. I would be happy to pay any financial obligation I might lawfully owe as soon as these documents are received. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Please provide all the requested documentation requirements on the Notice and Demand to Cease and Desist Collection Activities Prior to Validation of Purported Debt dated XX/XX/2021. I request that you immediately CEASE and DESIST all actions with me. Under the Fair Debt Collection Practices Act Section 805 ( C ), it is my right to request that you cease contact with me. I am exercising my right to do so with this letter. I request that you immediately CEASE and DESIST all actions with me. With this notice, under the law, you can now only contact me to : To advise me that your company 's further efforts are being terminated ; To notify me that your company may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or Where applicable, to notify me that your company intends to invoke a specified remedy. Unjust enrichment, fraud on the homeowners and consumer. Midland actions among others are violations of the federal Fair Debt Collection Practices Acts ( FDCPA ) of multiple state and Federal laws. Intentional act of fraud. Fraud, deliberate concealment of material information, fraud is a felon. This is XXXX in commerce, Fraud, XXXX, and XXXX. I have attempted to resolve this matter formally before filing a complaint and lawsuit!
03/15/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NJ
  • 08016
Web
Contacted Midland Mortgage regarding loan assistance in XXXX however the revised amount ( approx {$1900.00} ) was higher than the last initial amount ( $ XXXX ). Kept in contact with Midland on a monthly basis and began making double payments XX/XX/XXXX to XX/XX/XXXX. When I contacted them in XXXX noticed my mailing address for notifications was incorrect ; I called them to update my mailing address, due to USPS mailing issues. I also asked how much time was left before any forclosure process. They indicated payments and forclosure determination is. In XX/XX/XXXX I sent XXXX checks for {$50.00} each. Mid XXXX, I received XXXX out of the XXXX checks back with a note requesting the full amount of {$2000.00} is required. When I called them to establish the requested monthly payment, to my surprise, I was told to stop paying my mortgage and that I'm now in the forclosure process. I was confused and asked if i sent in the full amount would tgey send it back, they gave an unsure response but assured me to stop paying all together. I moved forward with applying for loan assistance over the phone and asked them for next steps. They indicated that I could ask for a determination amount for the account to come current and that they would negotiate the terms with their attorney. They gave me the attorney 's contact information. When I called the attorney 's office, they said it's not true, it's the full amount or go to court. They also confirmed Midland did not request to have a complaint filed and to call Midland back asking if they could remove me from the attorney list and the status. I called Midland back and spoke to their forclosure office. They indicated that my assistance application is under review and they are using outdated documents to make the determination; was open to updated documents being sent in. They were unable to answer about the complaint process saying it's their attorney that makes the decision ; they were unsure. Updated documents were submitted the first week in XXXX. On XX/XX/XXXX - XXXX XXXX left a notice on my door with a summons and filed complaint. I explained to the Service processor I work out of state and not my home resident state. Serving should be to the updated address provided to them. XXXX confirmed they will update their records and inform Midland Mortgage ' attorney. I called Midland to ask them about the status of my loan assistance application the same date, i was informed it would take another XXXX days for determination. Midland is conducting dual tracking, did not provide proper notice and gave incorrect information forcing me into forclosure when I was making faithful double payments. Now i have to go to court utilizing the money to pay my mortgage payments, for a forclosure defense attorney. This doesn't make sense at all when they were being deceptive, creating unnecessary confusion and illegal activities according to the NJ forclosure statute.
05/27/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • XXXXX
Web
Good day. This has been a long and stressful situation. Due to a reduction of work hours back in XX/XX/XXXX-XX/XX/XXXX because of illness. I fell behind in with payments for my home. I then received legal papers from the loan service company XXXX XXXX based out of XXXX. I hired a law firm that also did loan modifications. We applied numerous times and every time. XXXX XXXX always came back with a denial. always claiming some paper was not delivered or the application wasn't complete. Etc They hired the law firm to start the foreclosure process in XXXX County XXXX. Supreme Court. My lawyer at the time I believe answered every motion and although the state of XXXX XXXX requires the lender to have a preliminary conference to try and settle. Here in XXXX county. We have a judge that deals with his cases in what is knowed as a " rocket -docket " and in over 95 percent of the time doesn't bother to read papers submitted by defendants and always agrees with the banks. He has been reversed a number of times on appeal. No settlement offer was made to my attorney ( he never informed me of one if in fact the lender did ) and the case has proceeded for a few years now. Fast forward to this complaint. I then went to XXXX XXXX housing center which is an approved XXXX XXXX State housing service that is contracted by XXXX XXXX to help homeowners stay in there home and works on dealing with the lenders and homeowners to get loan modifications approved. After meeting with my housing counselor. A few times. Gathering all paperwork that is required from the bank. And submitting my application again. The loan servicing company XXXX XXXX once again came up with the excuse that they didn't receive paystubs. Now please keep in mind. Paystubs is one of the most basic parts of the application and everyone knows that and especially me after dealing with this process as well as a licensed non for profit agency that paystubs gonalong with the application. XXXX XXXX housing crisis has submitted over ten thousand requests and I myself have submitted a few so that was nothing but a blatant lie by XXXX XXXX when it. Denied my application for a modification. This is what these lenders due. It's a well documented process. I have letters from my former lawyers. Letters from the non fornprofit that submitted the last application. And in reading the CFPB role and seeing how you. Have investigated other lenders who partake in these type of rule breaking games such as XXXX XXXX as well as XXXX. I'm filling a complaint and ask that you look at and investigate XXXX XXXX track record and there process. I'm willing to be interviewed and willing to turn over all papers. They have broken and violated the consumer protection boards rules on a number of issues. 1- not meeting timelines to inform applicants about any missing documents2- not acting in good. 3- violations in regards to time deadlines and other issues
03/21/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • AZ
  • 85040
Web
I know I am the consumer and original creditor and is protected by the Truth In Lending Act, Fair Credit Reporting Act, Fair Debt Collections Act, Equal Credit Opportunity Act to ensure accuracy and fairness. According to the federal law governed on credit In pursuant to 15 USC 1602 ( i ) The adjective " consumer '', used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a NATURAL person. Now if MidFirst Bank look in this federal statute, look at all definitions, MidFirst Bank is not going to see the words loan, or borrower because those do not apply to me the consumer and original creditor. The only thing I did was enter a consumer credit transaction in which the creditor was the seller which is me. In pursuant to 15 USC 1602f defines credit as granting the right by creditor, As I know am the original creditor I granted MidFirst Bank the right to extend my credit. I granted the right to extend my credit with my credit card which in pursuant to 15 USC 1602 ( l ) is defined and will prove my Social Security Card number is the card credit device existing for me to obtain money. On XXXX XXXX I did a consumer credit transaction, when attempting to extend my credit to MidFirst Bank, as I know am the original creditor in pursuant 15 USC 1602 ( g ), for MidFirst Bank to extend back to me, they denied me. As required MidFirst Bank sent averse action letter and an email. But the reason they put does not abide by the Truth In Lending Act in which MidFirst Bank honors. In pursuant to 15 USC 1681 ( a ) ( k ) - adverse action. No where does it mention denial of credit. Why is that? Dont you think under the laws governed on credit that it would mention credit under adverse action if can deny? Well it does not and that is because there is no denial of credit. Again I know am the consumer and the original creditor. How is MidFirst Bank original when there are multiple MidFirst Bank, its only one of m? Everything listed for denial are factors from a consumer report but not deciding factors. MidFirst Bank can not deny me an extension of my own credit. In pursuant to 15 USC 1611 MidFirst Bank are criminally liable for misrepresentations, giving false and inaccurate information and also failing to disclose accurate information. I spoke with XXXX a manager from MidFirst Bank in Oklahoma, he have me his direct number which is XXXX. He stated over a recorded line that he talked to MidFirst Bank attorneys and underwriters about violating my rights under 15 USC Chapter 41, and that even with given exhibits that MidFirst Bank do not care and will continue to do so. Now Im demanding MidFirst Bank approve me and extend my credit that I originally extended to MidFirst Bank back to me. Regardless of what MidFirst Bank have to say, they can not deny me of my credit. Otherwise show me the law that states it.
12/19/2023 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Can't close your account
  • TX
  • 78641
Web
I attempted to open an account online with Vio Bank and tried to fund it from my XXXX XXXX account . When I called XXXX, they had to verify additional information with Vio so we both got on the line with MidFirst Bank. The MidFirst Bank representative was incredibly rude to me and he put me and the XXXX rep over to Vio Bank. When the Vio Bank came on the line, I told her I was not going to proceed to open the account as the MidFirst Bank rep was snotty and rude. She said ok, she'd close the account. That should've been the end of it. To date, I'm receiving a slow drip of emails as an, " Online Banking Alert - Account Verification Required. '' I've replied to these emails XXXX to stop send them to me and they continue to auto send. The reply I've gotten from the reps is to call in and verify my information so they can further assist. Today ( XXXX ) I called in and the rep was once again totally unhelpful. He told me I had to have logged into their online banking and I'd need to do so again to shut off alerts. I told him I never got that far with his bank and he needed to stop sending me these alerts. He then said he'd verify me through his system and try and help. He asked for a lot of information : Full name, SSN, DOB, date account was opened, funding source, funding amount, and a few other things. I provided what I knew - my full name, dob, SSN, funding account and told him, " I don't know '' for the other items. He said he couldn't verify me through and I'd need to hang up, research the things I didn't know and call them back. That is totally ridiculous. I was able to provide my most sensitive information and couldn't provide the date the account was opened or the amount from months ago on a never fully opened and funded account? This is bad practice and these emails are harassment at this point. I've received numerous emails from their automated system to fund an account that is closed and have no options to make it stop. The rep today told me to log into their online banking and shut off the alerts. I don't have any information to do so, but tried all user IDs I would normally use and tried the Forgot Username? link on their site. Since I've never logged in, the system is saying, " Verification Unsuccessful '', so there is nothing I can do with these harassing emails but to close an email address that I've had opened for XXXX years. They also emailed me my account number not using any security methods or practices. That's scary and totally bad practice. I will never do business with Vio Bank or MidFirst Bank ever. This has been a terrible experience and I've been senior management at banks across the country for XXXX years. I should not have to stop spam marketing alerts or funding account alerts from a bank I told to go away and was confirmed on the phone with me that the account was closed.
09/02/2023 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Public record information inaccurate
  • CA
  • 93314
Web
I had filed bankruptcy, which was finalized in XX/XX/XXXX, chapter XXXX due to a divorce. My mortgage and my truck was not included in my bankruptcy. Those were the XXXX exemptions I choose. I had gotten laid off due to XXXX, so I was on the XXXX XXXX mortgage assistance program, not only is this mortgage company reporting that my mortgage is late 180 days during those months that I was currently on the XXXX mortgage assistance program, but they also reported to all three credit bureaus that my mortgage closed and and filed under chapter XXXX bankruptcy. Which absolutely makes no sense because I just sold my home in XX/XX/XXXX XXXX Mortgage is the one who sent over the final statement balance in order for the people who purchase my house to officially buy it. I contacted the mortgage company and they didnt give me any information. All they told me was, well we just reported that we received your bankruptcy paperwork. I said I understand that, but it clearly stated that my mortgage and my truck were the XXXX items that are exempt, therefore not under my bankruptcy, so that doesnt make any sense? and then I said why have you not reported to the credit bureaus that I sold my home for which my loan was in good standing, and I was protected under the care act to the XXXX She shrugged and said she doesnt know, that its normal to report that they received bankruptcy documents, and I told her that is fraudulently reporting to credit bureaus that I filed bankruptcy and including my home so XXXX is in charge of this bankruptcy department doesnt know what theyre doing if they wouldve read it and not only that he can clearly see that the last transaction that was ever made was a big check petting them off, so She told me that I need to contact the Credit bureaus and dispute it so I contacted the credit bureaus. I tried to dispute it and they still denied it. I have my closing documents of my home to prove that I sold my home in good standings. I have the documents proving that I was under the care act so they should not be reporting my payments as being late, and I also have a copy of my bankruptcy documents, showing that my mortgage and my truck was not included in my bankruptcy, and it is killing my credit and nobody cares and thats a really big thing to falsify on someones credit report that they foreclosed, and they found bankruptcy on a house which they did not, and they sold the house in good standing. And she told me that there is no department that I can call or contact XXXX XXXX regarding the huge mistake that they made and then she told me I had to go and jump all through these hoops and write a letter. I just dont understand how they could possibly report my mortgage thing for close and bankrupt on when it clearly states on my profile that it was paid off in full in good standing I just dont know wh
02/16/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32209
Web
I have an insurance claim and the insurance check was sent to my mortgage company for them to send out to me and my attorney. They got the check on XX/XX/XXXX. My attorney sent in the adjuster worksheet and contractor bid on this day via fax. They told us they were going to mail the check to me that day. I did not receive it soon after so my attorney called to follow up on XX/XX/XXXX. They needed their XXXX form to release the check so my attorney faxed in their XXXX that same day. The attorney called to follow up on XX/XX/XXXX to make sure they got the XXXX, they confirmed they did but had not sent the check out due to processing times. My attorney again called to follow up on the check being mailed out on XX/XX/XXXX, they then told the attorney 's office that they need the type of loss and contractor bid or supply list. My attorney office sent this to them again, they originally faxed it to XXXX on XX/XX/XXXX. My attorney office followed up on XX/XX/XXXX, they told the attorney office that they received the bid and are processing the check and it will be mailed out in 5-10 business days. On XX/XX/XXXX, the attorney called to follow up, she spoke to loss draft department and they told her they now need the XXXX for the contractor. The attorney sent it in. They told her to call back wednesday ( XX/XX/XXXX ) to follow up on funds. On XX/XX/XXXX, attorney called to follow up, they told her they need a letter stating that the contractor is aware and ok with not being on the check and having my attorney pay them in disbursements. They got and sent this letter in the same day. On XX/XX/XXXX, my attorney called to follow up, they said the check was approved today. we requested that they send the check overnight and take the fee from the insurance check. they confirmed it would be done. they said the check would go out in the next 2 business days. On XX/XX/XXXX, attorney called to follow up because the check had not been received, the loss draft department said the check was mailed on XX/XX/XXXX via REGULAR MAIL and that regular mail takes 5-7 business days to get to you. The attorney asked for a tracking number, there was no tracking number done on the check. We continuously checked both of our mailboxes until today when it is the 11th business day. My attorney called into the mortgage company today to see where the check was. They told the attorney they THINK it was mailed on XX/XX/XXXX but that they tried to call me and couldnt reach me so that is why it was not overnighted weeks ago. I called in today as well to tell them to stop pay and overnight the check with my attorney on the line. They said it will be another 7-14 business days for them to stop pay, reissue, and overnight the check. I asked them to overnight it to my attorney and they said they " might '' be able to do that but the girl wasn't sure.
05/09/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 285XX
Web Older American, Servicemember
My complaint is harassment and penalizing treatment by Midland Mortgage aka Midfirst Mortgage aka Midland Bank, incorrect information reported to credit reporting agencies, misuse of escrow funds, over charges of escrows, forced insurance purchase, not abiding by established mortgage terms after purchase of loan from XXXX XXXX. XXXX XXXX XXXX Midland Mortgage purchased my mortgage from XXXX XXXX. Hurricaine Florence hit XXXX XXXX my area was declared a disaster area by FEMA and the President. I requested a deferment from XXXX, and was granted a via letter dated XXXXforbearance thru XX/XX/XXXX w/ my loan being current the next payment due XX/XX/XXXX for a total of 3 payments. Immediately upon being notified of the new mortgage servicer Midland I contacted them early XX/XX/XXXX and sent copy of the granted forbearance. From that point I have received countless letters stating I was delinquent despite the approved deferment/forebearance. They sent me a letter on or about XX/XX/XXXX my wind and hail ( extra insurance NOT REQUIRED by XXXX ) was expired. That Midland purchased w/my escrows Wind and Hail from their Ins. Co., ( Force Purchase, Midland a party to a past class action suit force purchasing Ins. for homeowners ) I on XXXX XXXX XXXX provided proof of Wind and Hail I purchased good thru XX/XX/XXXX and was paying for in good standing. This forcing Midland to cancel their Forced Purchase. Midland at that point Took funds from my Escrow Acct. and purchased Wind and Hail again at full price of {$1700.00} ( I was already paying for causing Duplicating payments ) ) causing my Escrows to go in arrears. They also are demanding xtra escrow above the needed balance to pay the bills. My monthly escrow payment went from {$240.00} to {$650.00}. Midland Mortgage pressured me to apply for a Loan Modification and sent applicable plan which increased my Mortgage Interest rate to more than 5.4 % from a 3.8 % I currently had. This would have given Midland more than {$100000.00} over the life of the loan. I refused the modification and informed Midland I would pay up what I owe n my own. I spoke w a male supervisor who threatened me if I did not accept the Modification plan that they would report to the credit reporting agencies late payments. I rebuffed and stated the previous forbearance d/t disasters should not report the forbearance as late or delinquent. I subsequently expressed Midland was unfair, harrassing and deceptive in not explain consequences of a forbearance in my initial notification to them. I paid all owed mortgage payments w/I 3 months. and am current in my mortgage since. Midland reported to the credit agencies 90, 60 and 60 days late payment even though I pain all owed. All conversations and calls to them have been recorded by them. I had an attorney sent a letter w/no resolution.
06/12/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 117XX
Web
Our office would like to accelerate this file to the investor of the loan. We do not believe that the investor is aware of a down payment offer made during the last modification request of {$100000.00} We understand, as per the denial, their contractual payment will increase should the modification be approved however, our clients are now generating the necessary income to sustain the higher payment. Mr. and Mrs. XXXX are doing very well with their finances and have offered a down payment of {$100000.00} in efforts to lower the amount that is owed to Midland Mortgage. Although they can sustain the current or a higher PITI payment, they do not have the ability to reinstate the loan. Thir current escrow shortage is on or about {$150000.00}. As per our records our clients unpaid balance with arrears is on or about {$810000.00}. Should our client be allowed to keep the current deferment of {$220000.00} with a down payment of {$100000.00} the interest bearing portion of the loan would be on or about {$480000.00} yielding an estimated monthly contractual payment of {$5200.00} ( PITI ) if allowed to have a 30 year maturity. Although this is higher that their previous payment, our client has the ability to sustain the higher payment. Our client has sustained a bankruptcy trustee payment of {$5700.00} per month proving that they can sustain a higher payment. If our client is provided with a waiver and allowed to receive a deferment for some or all the arrears, they will be able to resume their mortgage payments to Midland Mortgage. If possible, moving the maturity date to 30/40yrs at a lower interest rate, the payment will be affordable. This waiver would allow our client to resume making their payments and save their home. Our clients are devoted to saving their home and keeping it in their family indefinitely. Mr. and Mrs. XXXX became delinquent on her loan due to circumstances outside of their control. Although they were modified in the past, they suffered additional hardships forcing them to default again. Their hardship is now over. Unfortunately, they encountered a temporary loss of income and unforeseen extensive property damage due to hurricane Sandy and hurricane Irene forcing them to default on their loan. They depleted their savings trying to keep current however, they were not able to keep up. Our clients are now employed full time and can resume making their payments should a waiver be granted. Our client is committed to paying their debt to Midland Mortgage and the current investor of their loan. If they are given the opportunity to resume their payments, they will not default again. Thank you for your time and consideration in this matter. I can be reached at XXXX Monday through Friday XXXX XXXX to XXXX XXXX Eastern Time or by email at XXXX XXXX
12/31/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • An existing modification, forbearance plan, short sale, or other loss mitigation relief
  • OH
  • 44139
Web
I SPECIFICALLY REQUESTED THESE DOCUMENTS BELOW AND WAS IGNORED AND SENT THE SAME OLD COPY OF DOCUMENTS THAT I SOLELY SIGNED. I AM REQUESTING SPECIFIC DOCUMENTS AND THEY ARE LISTED BELOW : 1. The mortgage contract is void ab-initio because Midland Mortgage a division of MidFirst Bank lied and never intended to lend a single cent of their own asset or depositors money to the buyer ( XXXX XXXX XXXX XXXX A valid contract must have lawful or valuable consideration. The contract failed for anticipated breach. Midland Mortgage a division of MidFirst Bank never planned to give the buyer/borrower ( XXXX XXXX XXXX any valuable consideration. 2. Midland Mortgage a division of MidFirst Bank breached all its fiduciary duties to the buyer ( XXXX XXXX ) and is therefore guilty of criminal breach of trust by failing in its good faith requirement. Midland Mortgage a division of MidFirst Bank concealed the fact from the buyer ( XXXX XXXX ) that it would be using the buyers ( XXXX XXXX ) promissory notes ; first to clear all the liens and encumbrances in order to convey clear title to the buyer ( XXXX XXXX ) and then use the second promissory note to obtain money from the Federal Reserve Bank or other institutions that by and sell mortgage-backed security. Midland Mortgage a division of MidFirst received up to three times the amount of money required to purchase the property and kept the proceeds to itself without telling the buyer ( XXXX XXXX ). 3. Midland Mortgage a division of MidFirst Bank violated its corporate charter by lending credit or nothing at all to the buyer ( XXXX XXXX ) and then charging interests on make believe loan. Banks are only licensed to lend their own money, not other peoples money. Midland Mortgage a division of MidFirst Bank used the buyer ( s ) ( XXXX XXXX ) promissory note to clear the title which essentially purchased the property from the seller. This transaction is an ultra vires transaction because Midland Mortgage a division of MidFirst Bank has engaged in a contract outside of its lawful mandate. An ultra vires contract is void or voidable because it is non-existent in law. 4. Everyone involved in this undertaking with Midland Mortgage a division of MidFirst Bank, starting with the loan or mortgage officer, the lawyers, the land title office and even the central bank are equally guilty by association by aiding and abetting Midland Mortgage a division of MidFirst Bank in its commission of its crimes against the buyer ( XXXX XXXX ) and the people who would eventually have to absorb all of the loss through increased taxes, etc. SEND THE SPECIFIC DOCUMENTS REQUESTED THAT WAS STATED IN THE DOCUMENTS THAT WAS SENT CERTIFIED MAIL NUMEROUS TIMES. IF THOSE DOCUMENTS CAN NOT BE PROVIDED THERE WILL BE FURTHER CONSEQUENCES. THANK YOU!
10/26/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 90037
Web
On or about XX/XX/XXXX I closed on my property with XXXX XXXX. On or about XX/XX/XXXX I became severely affected by the coronavirus and had to enter into a 3 month Covid-19 Mortgage Forbearance Agreement. I had extended for a third time in XXXX with XXXX XXXX that gave me federal protection under the CARES Act for the months of XXXX, XXXX and XXXX. Later in XXXX I receive a letter from XXXX XXXX dated XX/XX/XXXX giving Notice of Service Transfer. It confirmed the total balance of my mortgage and read my payments will resume XX/XX/XXXX ( the letter has typo of year XXXX ) please see attached. It also confirmed Midland Mortgage will be my mortgage servicer after XX/XX/XXXX and they will be expecting payment on XX/XX/XXXX. On or about XX/XX/XXXX I setup my account with Midland Mortgage online. Once in my online Midland Mortgage account portal I noticed that that they had my Forbearance ending XX/XX/XXXX and payment required XXXX XXXX. Immediately alarmed by the discrepancy I notified Midland Mortgage and informed them I was a transfer and that my Covid-19 Forbearance plan ended in XXXX of XXXX. The Midland Mortgage representative just refused to acknowledge the facts of the guaranteed federal protection time period I was granted with Movement Mortgage. I got no where with the first Midland Mortgage representative after forty-five minutes on the phone. So on XX/XX/XXXX I reached out to a Movement Mortgage loss mitigation named XXXX who confirmed that my Covid -19 Forbearance was in place from XXXX - XXXX and she acknowledged the typo for my payment start date. She further reminded me that my account was transferred to Midland Mortgage and they know the proper protocol for these matters and advised me to call them, my new mortgage servicer, Midland Mortgage, again. So after hanging up I called Midland Mortgage wasted forty-five minutes on the phone with they loss mitigation ( imposter ) who was " taking notes ''. Finally, he admitted he was not loss mitigation and he cant give me a number but can transfer me to loss mitigation. Finally, I spoke to loss mitigation rep XXXX ID XXXX who actually looked at information for another forty-five minutes and could not provide a answer for the wring dates. I asked how they knew I was on the CARES Act and what documents did they use to determine it ended in XXXX? No answer. I asked who put the information in the computer? No answer. It had to have been put there wrongly deliberately. She said she would research the documents I will have answers at a later date. I told her this impacts my life and family lively-hood and I will be reaching out to consumer advocates for help. I do not understand how Midland Mortgage cant explain how they wrongly got my Covid-19 federal protection ending in XXXX and refuse to fix it.
08/14/2017 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • MD
  • 21228
Web Servicemember
XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, Iowa XXXX Complaint against- Midland Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Loan # XXXX Complaint : I received my annual Escrow Account Statement the second half of XXXX, outlining that my principal and interest would not change for the next year of XX/XX/XXXXXXXXXX/XX/XXXX ( see enclosure ). Near the end of XXXX Secretary of Treasury stated that the Federal Interest rate would increase by a 0.25 %, after which, Midland Mortgage sent me another notice stating that my interest rate would increase by 0.25 %. I received this notice less than 25 days of when the change would take place ( which is required by my contract ), despite the date on Midlands statement. Never the less, I accepted the change and made the payments. Other conditions that Midland has not been compliant with, are them providing me the index that they use to calculate the change in rate and date of that index as well as other requirements in The Adjustable Rate Note, Interest Rate and Monthly Payment Changes, # 5 A-G. XXXX, I am informed that Midland Mortgage is increasing my interest again by 0.125 %. This would also permit them to adjust my Change Date. Midland Mortgage citing they made an error is not a defense that is acceptable. It is not justifiable that Midland Mortgage or any mortgage company be allowed to make changes to customers ARM, every time they make an error. If this were permitted, then the yearly Change Date would be futile. What I want to happen : I do not want Midland Mortgage be permitted to increase my rate after the effective Change Date of the contract. I do not want Midland Mortgage to be changing my Changing Date of my contract. Midland Mortgage trying to increase my rate is just another example of million/billion dollar companies taking advantage of consumers. This problem addresses the issues of these big companies always cheating consumers by shaving a little off the top. Such large companies shaving a few extra dollars from millions of consumers equates to billions of undeserved revenue for them and increasing the financial struggles of the American consumer. Frequently encounter examples of : XXXX overcharging for over usage of data, even though I have been close, but not over. XXXX charging for cloud usage, $ XXXXm for years, but never used, not knowledgeable of ; XXXX XXXX charge for equipment/services not requested, not used. XXXX advertised additional cost services, but later eliminate such services ( hide cancellations in small print/terminology non-specific ), but they still collected for those services. These companies know that it is counter-productive for consumers to engage in legal battles for such small amounts, therefore they are forced to pay.
12/08/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • An existing modification, forbearance plan, short sale, or other loss mitigation relief
  • OK
  • XXXXX
Web Older American
To Consumer Finance Protection Bureau : This letter is to file a complaint regarding my mortgage company and notify you of the following mishandling of a condominium property at XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX GA XXXX. Regarding Midland MidFirst Mortgage I have had multiple discussions with people in different departments at Midland MidFirst Mortgage requesting assistance in the following circumstances which have resulted in major hardships and affecting FHAs property. Having purchased my FHA loan, my mortgage broker explained that Midland has to uphold FHA guidelines. I finally reached out directly to FHA/HUD and was directed to one of their housing counseling agencies. Their representative said to file a complaint with the CFPB, because 1. Midland could have helped me but did not and now FHAs property is compromised, and 2. that FHA needs to be made aware. I have documents and notes regarding Midland Mortgage that I can provide. 1. As ofXX/XX/XXXX, my homeowners Insurance was canceled due to disrepairs of my buildings failing foundation and crawl space, water intrusion, mold, likelihood of collapse, etc. 2. As part of a townhouse condominium bylaws and covenants, the foundation, exterior, and roof repairs are the responsibility of the homeowners association / HOA as stated in the agreement signed at closing in XXXX. 3. Since notifying the HOA in Fall XXXX of the issues, nothing was done, and the HOA is in breach of contract and has misappropriated funds and lacked adequate reserves to maintain or make the repairs. 4. I paid an engineer to provide a report and a quote to remediate and seal off my interior. He said without the foundation and crawl space being repaired and remediated, the interior walls, ceilings, floors, pipes, etc. will continue to detach, and that the mold and sewage gasses enter from too many areas - your property is unsafe to inhabit. 5. As a result, the property is not livable, and I am therefore homeless and sleeping on friends ' sofas since XX/XX/XXXX. 6. In XXXX I tested positive for XXXX and XXXX XXXX. This has required extensive medical visits and I have had to delay testing to determine treatments because of the costs. 7. The property is vacant and is not sellable or rentable. The HVAC sits in a crawl space where water continues to accumulate and therefore can not be replaced. 8. I have continued to pay all mortgage payments since XXXX until recently, HOA dues, utilities, etc., but this has drained my savings and retirement ( now XXXX ). I need your help. Thank you for offering this service. A PAPERLESS response is requested, and I can be reached at XXXX or call/text XXXX. Sincerely, XXXX
07/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OK
  • 74137
Web
My mortgage was sold to midland mortgage in XXXX who in the first year did not put the right amount for my escrow and at the end of XXXX, I was told I am over XXXX short and I need to make up my payments. I had to take a loan from a friend to match correctly their Issue. XXXX- Midland added an enforced insurance policy on my mortgage changing my payments & asking me to make payments for not having insurance when my insurance agent & had uploaded/ faxed & posted the proof of insurance documents. Then they started charging me late fees because the forbearance had ended. I showed them again that I have never missed a payment but the forbearance was being used as a safety precaution because my business was suffering due to covid, but I had never missed any payments, But I have always made 2 payments a month. XXXX & XXXX on autopay since those were the days I got paid. Then again they did not escrow my account correctly and creating me to make a larger payment at the end of the month. Now XXXX It has been 5 months I have been trying to get my mortgage company to correct posting 2 lates on my account when I have my account set up on auto-pay as I stated on the XXXX & XXXX. They have posted 2 late on my credit report for XXXX & XX/XX/XXXX. I have provided them the proof that my account is set up on auto-pay every 2 weeks. I have sent them the proof from my bank validating my statement & I have matched the payments against my mortgage payment history in their portal which is also showing every month I make 2 payments that are received by them for that calendar month. I am being told by agents that my lates are because I make 2 payments and the second payment gets to them a few days after the XXXX so I am late! If I want to keep making 2 payments a month I should apply for Mortgage assistance to not be considered late. I also did loose my job in XX/XX/XXXX due to COVID and I did get a great job offer with a financial institution and they saw that I have this comment on my credit report and they would like something from the mortgage company stating its a mistake or an error which they won't. They finally sent me a generic reply where they state they decline my request and the reason is according to Fair credit reporting all payments must be received before the end of the month, which means they have to remove it but they haven't. I have tried every way to get them to correct this before I made this complaint. I just don't know what else to do. I have seen over 100 reviews on XXXX from other customers complaining about the same thing! I did not choose them as a lender & I am stuck with a company that is running my credit & jeopardized my employment.
02/03/2023 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • AZ
  • 85208
Web
I was in the process of buying a new home for my XXXX children, wife and myself when the lender informed me that XXXX Mortgage is reporting I made my XX/XX/XXXX payment late on XX/XX/XXXX. This is absolutely false and I have the confirmation email from XXXX Mortgage dated XX/XX/XXXX that the payment was made. I spoke to multiple agents first being XXXX who was the rudest excuse for a XXXX agent Ive ever encountered. She raised her couch at me and insisted I made the payment on XX/XX/XXXX and would not even listen to me that I made it on XX/XX/XXXX and had the confirmation email to prove it. She spoke over me, outright refused to connect me with a supervisor after many clear requests and basically called me a liar and kept saying Whats crazy is Im looking right at it and you scheduled it on XX/XX/XXXX. Another agent, XXXX ID # XXXX ( on XX/XX/XXXX ) stated she could see that we made the payment on XX/XX/XXXX and this happens sometimes because of the holiday and weekend and they were closed on XX/XX/XXXX and XXXX so it didnt post until XXXX but it was made on time in XXXX. She told me the payment will not be reported as 30 days late and would be auto back dated. However, when I did a conference call with XXXX who was confirming for the lender, that agent ( also named XXXX but different from the previous XXXX XXXX said she does not see that and reported that the payment was made 30 days late on XX/XX/XXXX. She would not do anything to help or verify the information I was giving and even refused to allow me to forward them the XX/XX/XXXX confirmation email stating that the cashier she was escalating to would be able to see it. She would not provide a timeframe at all for resolution even when I explained this was preventing us from closing on our new mortgage. I called again on XX/XX/XXXX and again explained we are waiting for this issue to be resolved and that I have been calling for XXXX weeks and being told different answers and no one is helping. I begged the girl to help me resolve it today as our closing date was the next day, XX/XX/XXXX. She put me on hold and then stated her supervisor had escalated the issue to the cashiers and would call me by the end of that day. That was XXXX days ago and I still never heard from anyone. As a result of this, my new home loan was denied and I am now left with my family of XXXX staying in my mother in laws XXXX bedroom home with her, all in our things in a XXXX XXXX, we already enrolled our kids in new schools, set up utilities, changed address with the post office and the sellers of the home we were to purchase already moved out as well. Our lives have been absolutely turned upside down because of this.
12/22/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • CA
  • 93534
Web Older American, Servicemember
We were on a 3 month plan to pay the last payment of {$2100.00} to XXXX XXXX XXXX XXXX on XX/XX/2021. Approx the middle of XXXX, we received a phone call from XXXX XXXX telling us they were transferring our loan. We didn't understand at the time nor did we accept the offer. We called XXXX XXXX and no one would give us answers or explained why they were transferring our information to a 3rd party. XX/XX/XXXX we received a letter from a different Servicer stating we must now start paying them on XXXX, 2021. We called XXXX XXXX to inform them and they stated our loan has been transferred. XXXX XXXX, 2021 we received a letter stating we owe the new Servicer. We called Midland Mortgage on XXXX XXXX, 2021 spoke with the receptionist XXXX ( XXXX ) asking her to please send Validation of this new contract, she said she not allowed to send anything. We asked her to please give us the information to the financing officer, she said she wasn't allowed and transferred our call to her Supervisor XXXX ( XXXX ). We asked XXXX to produced the contract that we signed with Midland Mortgage he stated he can only send the payoff sheet, then transferred our call to XXXX the Manager, whom we asked to send the contract that we have with Midland Mortgage and she said she couldn't because they bought the contract from XXXX XXXX who sold it to them in XX/XX/2021. This is a completed violation of the FDCPA 15 USC 1692, as a consumer and the original creditor also violation of 15 USC 1692g when the Midland Mortgage Corporation would not validate an original contract between us and Midland Mortgage Corp. They're also in violation of 15 USC 1692f ( 6 ) and 15 USC 1692d by using unfair practices, sending us a delinquent notice and threatening us that if we do not pay on this alleged loan we will lose or home and entitlement to my VA home loan guaranty, dated XXXX, 2021. When calling Midland we were yelled at assumed to be lying when we had our authorized representative speak on our behalf, which is also violation of 15 USC 1692d ( 1 ) ( 2 ). They are also in violation 15 USC 1692e, 15 USC 1692b, 15 USC 1692b ( 2 ) sending written communication ( violation of 15 USC 1692c ) claiming I owe an allege debt to their company. As the natural consumer 15 USC 1692a, and original creditor 15 USC 1692 there is no debt owed because the we extended the credit, it was sold without our consent or signature on a contract between Midland Corp and ourselves. They were not authorized to use our credit violation of 15 USC 1692p Unauthorized Use of credit. My wife and I our stressed, anxious, nervous lately on edge and in fear of losing all we have and worked hard for.
08/20/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • CT
  • 06790
Web
I never wanted Midland Mortgage, my mortgage was sold to them. I 've been stuck with their poor customer service for years. At the same time I 've had the same insurance carrier and renter for 15+ years. Every now and then I 'd get a warning letter and one would also be sent to my insurance company saying, 'It has been brought to Midland 's attention that my house is abandoned, or that they want to report that I have a renter. I 've had the same renter for over 15 years..that 's not a surprise. Then one day I received a call from Midland and the female service rep started asking me all sorts of personal questions ; I told her nothing has changed that should be reported to Midland but she persisted. Since I did n't want to continue with her I told her I was going to hang up, which I did. Within a few days I received a letter from Midland saying that since I did n't have insurance on my home, Midland was going to have another company insure my house for over $ XXXX+ for the year because I had let my insurance lapse. I immediately called Midland to say my insurance has been combined with and paid with my mortgage payment since I first signed for a mortgage, they could check their records. And I told Midland in a phone call that all this was probably due to me not wanting to answer their rude service rep 's questions and to please review the phone conversation if they taped it. I followed that call with one to my insurance carrier and they still had me insured. Instead of correcting their error, Midland continued to bill for this additional, higher premium insurance with my monthly mortgage payment. I called and sent proof of insurance in again and made Midland sign that they received the paperwork. When I 'd call to follow up, they said they did n't see any correspondence on file. So XXXX forced me to pay twice for insurance for a full year. This additional $ XXXX charge was broken down and added to my monthly bill. I called again and sent in paperwork to prove my house was insured and followed this with letters requesting help and documents to the Oklahoma State Attorney General, the Oklahoma XXXX and the Federal Trade Commission. Not one responded. And the extra charges built up with late fees if I could n't make the full payment on time. After one full year, Midland stopped overcharging me but they never corrected their mistake and never paid me back. I think it was all due to that one service rep who wanted me to answer a ton of personal questions and I refused. My mortgage is paid off now but in the decades I was stuck with Midland Mortgage they never once replied to a letter or correspondence I sent them.
01/12/2024 Yes
  • Mortgage
  • VA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • Trying to communicate with the company to fix an issue with the application process
  • VA
  • 22556
Web Servicemember
At the start of Covid I had applied for mortgage assistance XXXX XXXX had me sign a document that would push my mortgage back until I was caught up. The amount was for like {$77000.00} and some change. That was the first lien put on my property because I have a VA loan and so that being said there should not be another lien on my property. The first one was signed on XX/XX/XXXX of XXXX to keep me in the home to help me with my payments to lower them, etc. etc. Then on the XXXX month of XXXX XXXX XXXX took it upon themselves without my knowing and my knowledge and a Forge signature, put a second mean on my property for {$21000.00} and some change. I did not find out about it until I started a refinance because I wanted to pull money out so I can do home improvements and to invest into four different investments, and to start my XXXX XXXX well the process started in XXXX the documents were requested in XX/XX/XXXX and the mortgage said OK well get this back to you in seven days. They realize that they put two liens on my property and failed to take it off within 30 days here it is now, XX/XX/XXXX. Now it is XX/XX/XXXX, XX/XX/XXXX, and so on and so forth mortgage has failed to present anything to take the lien off, and the reason is because they committed fraud by them doing this, it is preventing me from getting my four whole life policies which were locked in an age XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Im taking all their assets all of it number XXXX I have XXXX whole life insurance policies that were locked in at XXXX. If those policies go up because Im not able to pay for them because I was going to use my refinance for that then XXXX XXXX is going to pay for that as well separately, so that is why Im reporting this because they filed an incorrect lien on my property for my signature and then recorded it at the staff courthouse and the person is responsible XXXX XXXX XXXX for the notarization and the prepare XXXX XXXX and the problem is there can not be error of reporting because if it was air reporting you missing some XXXX or adding some XXXX let me one maybe Ive done it a week after this was done months after five months after so this cant be a clerical error. This is fraud to prevent me a person XXXX XXXXXXXX from prefer pursuing life of XXXX and all that this was purposely done XXXX XXXX mortgage to keep me from doing what I need to do
09/30/2023 Yes
  • Mortgage
  • FHA mortgage
  • Problem with fraud alerts or security freezes
  • MO
  • 630XX
Web Servicemember
XXXX XXXX was not licensed in the state of Missouri at the time these documents were produced. XXXX XXXX produced a FHA loan in XXXX XXXX name, XX/XX/XXXX. XXXX XXXX produced a loan in XXXX XXXX name, XX/XX/XXXX. Both for the amount of XXXX total of XXXX FHA loans as shown from XXXX XXXX XXXX website. XXXX XXXX ' email XX/XX/XXXX stated the Note was damaged when in fact the note was never signed or agreed. XX/XX/XXXX new XXXX XXXX sent the Missouri attorney generals office a document stating that it was a Note we signed. XX/XX/XXXX XXXX XXXX XXXX sent XXXX XXXX a Note with different signatures as shown in the documentation. As shown in the documents provided I have sent new American funding documents showing clear evidence. XX/XX/XXXX email questioning XXXX XXXX about the situation, XXXX XXXX stated XXXX XXXX was added later, the reason being not married. XXXX XXXX was added later, how is the loan dated 2 months apart with XXXX loan XX/XX/XXXX and XXXX XXXX XX/XX/XXXX? XX/XX/XXXX is the date they have on the addendum only in XXXX XXXX name Stating he was married, he worked at XXXX XXXX, documents are robotic signatures. He did not work at XXXX XXXX at the time. He was not married. Stating the no cash out refinance was due to a bona fide financial crisis. I have attached a XX/XX/XXXX statement showing we were ahead XXXX payments until XX/XX/XXXX. No payments were ever missed, we were never in any financial crisis nor did we ever state we were in any situation of financial distress. As shown in the document provided In fact we both were not working at the time both receiving unemployment due to XXXX XXXX. New American funding received forbearance money XXXX cares act filing form XXXX with the irs XXXX tax documents. I believe the information from XX/XX/XXXX was used As you can see the dates XXXX XXXX XXXX loan and XXXX XXXX loan XXXX. XXXX XXXX name was removed from the original loan dated XX/XX/XXXX. I have sent proof of new American funding using unsafe methods including naf technology open source software and projects to hack into my ip address. I have more information and documents I am more than happy to provide, I am not the only person they have done this to the federal government has been made aware XXXX XXXX XXXX has been fined by the federal authorities and have been charged in court for the same reason as I have provided evidence of this is ongoing. Underwriting as many FHA loans as possible for issuance payments including modification of documentation and information other than provided or not provided to new XXXX XXXX.
06/02/2020 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • NC
  • 27610
Web
Due to COVID-19, I was laid-off from my job on XX/XX/2020. On XX/XX/2020, I called our VA loan servicer, Midland Mortgage, and requested a mortgage deferment under the COVID-19 CARES Act. The representative that I spoke with said I was approved for a mortgage deferment for XXXX, XXXX XXXX, XXXX, XXXX and XX/XX/2020 mortgage payments. The Midland agent explained that our deferred payments would be placed on the back end of our loan. The Midland agent further said that if we chose to catch up the late payments before XX/XX/2020 our account would be back to a zero balance. Because of previous experiences with Midland Mortgage, I asked the representative to repeat what we were being approved of and I recorded it. Later, after not receiving the email that I was told I would receive, nor any written confirmation from Midland Mortgage of our deferment, we logged into our Midland Mortgage online account. In the account summary page, it stated that over {$6000.00} would be due on XX/XX/2020. We called Midland Mortgage on XX/XX/2020 ( at XXXX, XXXX, XXXX, XXXX ), XX/XX/2020 at XXXX and XX/XX/2020 at XXXX to request that they send us something in writing stating the facts and agreement I was told on XX/XX/2020. On all three instances, Midland reps stated that Midland does not offer deferments to move those payments to the end of the loan and we would have a lump sum payment due XX/XX/2020. They stated that they would consider extending for another 6 months or other options after XX/XX/2020. All three reps stated that deferment to the end of the loan can not be done at this time. I recorded these conversations with Midland Mortgage as well. Also, on XX/XX/2020, I received a letter for their short-term mortgage assistance program that will allow us to delay payments for 6 months. It did not reference the deferment that we requested to place these payments to the end of the loan that was initially approved and verified on XX/XX/2020. Instead the letter stated a lump sum payment of over {$6000.00} would be due at the end of XXXX. I have spoken to several representatives of the VA Regional loan center who has verified by phone and in writing that it is our choice to request a lump sum payment or put those payments to the end of the loan right now, not evaluate in 6 months. Please help us with getting the Deferment for our mortgage with our loan servicer, Midland Mortgage as illustrated in the rights of the CARES Act. We have attached several documents to support our complaint. Those previously referenced recordings are available upon request.
05/18/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • MD
  • 21136
Web
My loan was originally serviced by XXXX XXXX. Midland Mortgage purchased the loan more than a year ago from XXXX XXXX. When the loan was sold, I was in a repayment program with XXXX and never informed of any change until I called in to make a payment. Once I received noticed the loan had been sold I had to go through the series of steps needed to begin an agreement with Midland. This was a nightmare just as dealing with XXXX was. Despite the difficulties, I provided all information needed and was approved for a new repayment program. It should be noted that over the course of both repayment plans I have lost thousands in fees. I completed the program successfully and months later received notice that my payment would be increasing from $ XXXX/mo. to $ XXXX+/mo. due to XXXX not adjusting the escrow. At the present time, the monthly payment requested is around $ XXXX+/mo. I ca n't afford that nor am I responsible for having to pay an increase to the owed amount. The escrow had to be adjusted since it was no longer a primary residence. I was n't aware of this until much research and agony discussing with Midland. Despite XXXX being the main culprit, I had to submit an application to Midland for my repayment program that one of the questions asked if the residence was tenant occupied and not my primary residence to which I clearly answered " Tenant Occupied ''. Midland provided me with an agreement ( a legally binding contract ) that I agreed to after reviewing my application. I completed it. Now Midland wants nearly {$10000.00} of additional escrow money. This is money that was owed ( unknown to me ) before Midland purchased the loan. Midland did n't do their due diligence and now want me to pay for their ( and XXXX 's ) negligence. I do n't see how I should be on the hook for something that I had no idea i was responsible for. I am not a mortgage company. I am a consumer. I pay what is requested. I only became late after losing my job and worked extremely hard and very responsibly for several years to keep this house while I could have foreclosed and added to the housing markets troubled volatility. I never made a payment late to Midland since they purchased the loan until now. I refuse to pay them as this seems fraudulent, corrupt and completely disrespectful and unethical in regard to the repayment program Midland agreed to. I am seeking my monthly payment be returned to its prior amount and once I make my next payment, having the missed months put back into the loan along with no negative remarks on my credit.
08/05/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • AR
  • 71913
Web
I purchased my home in XX/XX/XXXX. One Month later the bank transferred my loan to XXXX XXXX and they increased my payment to XXXX from XXXX. I'm on a fixed income and this was a shock however I paid it. In XX/XX/XXXX, I was notified by XXXX that XXXX hadn't paid the house Insurance and if I wanted to keep my car and house Insurance, I would need to make a XXXX payment for XX/XX/XXXX. At the same time, XXXX sent a statement to me that I would need to pay XXXX for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in order to offset a deficit in the escrow. Being on a fixed income I had NO WAY to pay both XXXX and XXXX in the same month. I couldn't didn't have that much coming in. I started looking for a part time position to help supplement my income. I paid XXXX for XX/XX/XXXX. Kept my house and car Insurance. In XX/XX/XXXX, I contacted an Arkansas Credit Counselor in which she helped me try to straighten out what was going on with XXXX XXXX and why XXXX wasn't getting paid. After 2 weeks of calls with both her and I on the phone with AmeriHome we find out that 2 ( twice ) XXXX had sent XXXX a check to pay for the Insurance however without my Account number on it!! So each time it was returned. Because of XXXX demands that I pay XXXX for 3 months due to their error, it went unpaid due to lack of funds. Midland Mortgage took over my account and I also took in a roommate to help with that note. I had XXXX XXXX in late XX/XX/XXXX which didn't help matters. I began to pay the XXXX. After those 3 payments were past, I began paying the XXXX a month payments while being considered for a FHA Home Affordable Modification loan. I kept my payments coming in. In XX/XX/XXXX, I was notified that my application was approved. And payments of XXXX would need to be made from that point on til XX/XX/XXXX. Which I completed. I was notified in XX/XX/XXXX that I was approved for the FHA Affordable Modification Loan Program to be effective XX/XX/XXXX. Payments of XXXX. All would be caught up and a zero negative balance. XX/XX/XXXX and XX/XX/XXXX are paid. My credit report should reflect this. My Credit report states that I did not make my mortgage payments at all. Lord knows I did. I need to have this credit showing. I have included all of my receipts for the payments that I made. I realize that I was behind from not paying XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX however with Midland Mortgages help I was able to get back on my feet again. One does not set out to purchase a home to just lose it a year later. Thank you for your time. God Bless
11/10/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • OR
  • 97206
Web
I am XXXX payments behind on my mortgage with XXXX XXXX Mortgage due to financial difficukties due to the pandemic. I requested mortgage assistance from my XXXX XXXX, ( XXXX ), who offered a number of different options, including adding the XXXX payments to the principal, or getting a XXXX interest loan from the government to catch up, and the loan would be added to the back end of my mortgage. I spoke to XXXX a few times about what was required to submit my request and application and I provided what they asked for along with additional proof that my financial issues were directly cause by the pandemic. I was told that it would take XXXX weeks for determination. I thought I did due diligence. I evicted a tenant who was in the lower unit at the property after not receiving payment for XXXX months. I live in another state and had a trip planned in XXXX weeks to repaint, do repairs, and re-rent the aprtment. XXXX XXXX immediately changed the status of my property to " Vacant '', although I have XXXX other occupied apartments in the building. XXXX XXXX, ( an independent contractor with XXXX Inspections in XXXX ), then broke into the recently vacated apartment and changed the locks, right after I had paid to have the locks changed. They posted a notice on the door that the property was now under the management of XXXX XXXX XXXX. None of the phone number listed on the posted notice for XXXX XXXX XXXX are answered. XXXX inspections do not aknowlege XXXX XXXX as an employe, or that they know who he is. I called XXXX and they admitted that they had listed the property as vacant and gave me a number for XXXX, a property preservation company that was supposedly handling my case. I called XXXX, and they had no information about my property, but they admitted that XXXX gives out their number very frequently. XXXX is giving me the run around and, scaring my tenants by making them think my property is for sale/foreclosed and lying about who is managing the property while at the same time telling me that they " will work with me '' to find a way for me to better afford my XXXX late payments. They also sent me a notice saying that they require proof that the property is insured, although they pay my insurance policy with XXXX quarterly directly. I don't think harrassing my tenants or not telling me what they are doing is legal and of course it is immoral, not that I can expect that. Feel free to TRY to reach anyone at the telephone numbers provided by the property preservation company. What is my recourse if any?
05/21/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MO
  • 63114
Web Older American
I have an FHA insured Mortgage Loan serviced by Midland Mortgage, of Midfirst Bank. I went online to pay my " on time '' payment for XX/XX/2020, I am current and have not missed a payment in over 8 years or more. When I logged into their site my account had been entered into some program of theirs ... they " Midland '' applied. I did not sign up for anything nor was I asked or prompted about signing up to any programs at Midland. I called Midland Mortgage at the regular 800 number for customers to enquire about my account and situation. I was informed I was contacting a debt collector about a loan and any information provided is for the collection of that debt,,, a recording? I'm not in collections, or in arrears of any kind. The agent at Midland claimed I was. The agent was very protective, and playing games, being a smart aleck. I asked how I got into this collections program and he told me I had signed up for it in XX/XX/2020. I pressed him how this was possible and he changed his story ; he now claimed the " system '' did it, signed me up automatically. Without my permission or consent, because I was late on payments? He said that's right, it did it to every loan holder automatically. I challenged this claim by him and he got defensive and argumentative forcing me to ask for a supervisor, he had no intention of helping me and wanted to pick a fight instead ... I'm XXXX and XXXX, I told him this upfront. I had to have my wife finish the call for me with the supervisor, the agent at Midland caused my condition to escalate requiring medication ... he was that bilerant and unhelpful, taking advanatge of me and my condition. The supervisor told my wife the company would take me out of the program and send me a letter that I am not in collections and was removed, that my credit rating would not be affected by any of these moves initiated on my account by Midland.. We received no such letter and were once again bullied by the Loan Servicers agents, taking advantage of physical weaknesses exactly what " bullies '' do to people, cowardly acts of taking advantage of others using their illness against them as their tool? I was placed into collections by Midland Mortgage and entered automatically into their program without my consent or knowledge, I was not provided a heads up any warning, or any information about what they were doing or why. They promised to send a letter and failed. We made the phone call and stayed on it for a long time, we did not record our conversation.
07/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • SC
  • 29349
Web Servicemember
MidFirst / Midland Mortgage violated federal laws regarding the CARES ACT Forbearance and VA Partial Claim in that they charged unlawful late fees and other erroneous fees to my federally backed VA mortgage before and after the VA Partial Claim - even though my mortgage was never late, and then MidFirst / Midland Mortgage reported on my credit reports for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that my mortgage was late, delinquent, and past due between 120-149 days as of XX/XX/XXXX ( which is fraud and lying as I was current on my mortgage when I received the CARES ACT Forbearance in XX/XX/XXXX and through XX/XX/XXXX ). MidFirst / Midland Mortgage then issued a threatening letter in XX/XX/XXXX - after receiving the VA Partial Claim payment in XX/XX/XXXX that if I didn't pay late fees and other erroneous fees by XXXX XX/XX/XXXX then they would call the entire loan balance due and begin foreclosure proceedings. We disputed these late fee and erroneous fee amounts and stated this was in violation of federal law, but we paid the fees with the request that the fees be refunded. MidFirst / Midland Mortgage continues to assess late fees and erroneous fees during the time in which the mortgage was protected by the CARES ACT Forbearance - thus continuing to violate federal laws with regards to the CARES ACT Forbearance, VA Partial Claim agreement, TILA, FCRA, RESPA, FDCPA, while engaging in Fraud, Lying, Extortion, Racketeering, and Conspiracy to Commit. MidFirst / Midland Mortgage illegal actions and violations of the law caused me harm as my credit report suffered by losses at and over 100 points in XXXX, XXXX, and XX/XX/XXXX. My VA mortgage account number with MidFirst / Midland Mortgage is XXXX. MidFirst is the parent company of Midland Mortgage and their contact number is XXXX. U.S. Government Official - VA Official XXXX XXXX has evidence to support and substantiate this claim and his contact information is ( XXXX ) and his telephone number is XXXX option XXXX, then option XXXX - extension XXXX. This information regarding violations of federal law and criminal activity by MidFirst / Midland Mortgage was reported to the FBI as of XXXX XX/XX/XXXX, as they are engaged in a conspiracy with XXXX XXXX XXXX XXXX, XXXX ( the former mortgage company between XX/XX/XXXX - XX/XX/XXXX ). The victim, a 100 % XXXX Combat Veteran can be contacted by telephone at XXXX or by email at XXXX or by mail at XXXX XXXX XXXX, XXXX, SC XXXX. ///NOTHING FURTHER TO REPORT///
10/05/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • IL
  • 60657
Web
I opened a XXXX XXXX spend checking account on XX/XX/2021 under a {$250.00} promotion which stated that {$250.00} would be credited to the spend checking account if certain requirements were met. XXXX XXXX is a division of MidFirst Bank. The requirements entailed that two direct deposits of {$1000.00} or more were made to XXXX spend checking account within 90 days of the account opening. If the requirements were met, then the {$250.00} promotional bonus amount is to be issued within 90 days of meetings the requirements. I successfully had two employer direct deposits of {$1000.00} on XX/XX/XXXX and {$1000.00} on XX/XX/XXXX to my XXXX spend account- thereby satisfying the requirements to receive the {$250.00} promotional bonus amount. Therefore, the latest date I should have been issued the {$250.00} promotional bonus amount was XX/XX/2021, as that is 90 days from the date of the second direct deposit I had ( XX/XX/XXXX ) which would be considered the date that I satisfied the requirements of this offer. I still have not received the {$250.00} promotional bonus to my XXXX checking account as of today 's date, XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX and spoke to a representative, XXXX XXXX, who told me that she did not see the two direct deposits in my account activity. I told her that I clearly see the transactions within my account history and XXXX asked me to email her screenshots of the two eligible direct deposits to her email address at : XXXX. I did this on the same day, XX/XX/XXXX. Since then, I have received XXXX response or acknowledgement from XXXX. I've sent XXXX two follow up emails on XX/XX/XXXX and XX/XX/XXXX to ask if she received my screenshots and if she can help move this matter forward and confirm that my account clearly had the two required direct deposits of {$1000.00} or more which satisfied this promotion. I'm now at a loss due to the lack of assistance or acknowledge from XXXX Bank. It makes no sense to me how the bank can tell me that they do not even see a record of the two direct deposits within my checking account. It is evidently there in my transaction history when I login and view my account from my end. XXXX XXXX has not provided me with the {$250.00} promotional bonus amount that I signed up for when opening my checking account and this is now considered late and the {$250.00} should be issued to me as I successfully completed all of the offer requirements within the timeframe.
12/15/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 90037
Web
Midland Mortgage is still being deceptive and undermining the COVID-19 CARES ACT by not giving consumers the right options nor following the rules provisioned by the CARES ACT. I am currently in the process of exiting my Forbearance on XX/XX/XXXX ( please see complaint XXXX for reference and more context on my experience with MIDLAND MORTGAGE in regards to the CARES ACT provisions ). I would also like point out that they XXXX is not they loss mitigation number, its customer service. If you don't know to ask for a lost mitigation agent, customer service will pretend to be one and waste your time. On XX/XX/XXXX at XXXX pst I called XXXX and spoke with XXXX XXXX who acted like loss mitigation then confirmed she was not loss mitigation and I had to ask to be transferred and was greeted by XXXX XXXX XXXX a loss mitigation agent. I asked what are my options she stated I can go on the website and see the two options. They are the partial claim and foreclosure. I told her I wanted neither option but was interested in a partial claim Covid-19 re-modification and I did not see that option online. She did some mumbling incoherently and I asked again if she was loss mitigation. She said you and then began to take the application for the Covid -19 re-modification. My current mortgage is XXXX she stated me a re-modification number at XXXX. I informed that was still kind of high and can we get a lower number. She said no either take that number or enter foreclosure. I told her I would do anything to avoid a foreclosure. I then asked her how did she get that number and she stated she did not know the computer gave it to her. I told her I would be filing a complaint because the information I read on XXXX was very different from they are doing it. I read it would be a 25 % reduction and that the mortgagee will coherently calculate everything. I then asked XXXX XXXX if I had to pay the XXXX on XX/XX/XXXX or will they have it figured out by then. She stated she did not know and for me to wait until I receive mail from them. On XX/XX/XXXX XXXX pststill concerned I called XXXX spoke to " customer service '' got transferred to loss mitigation agent XXXX XXXX who finally acknowledged the provisions but clarity, proper proposal or extension. Midland Mortgage is not being very forward about this process nor fully following the process and it is stressful enough already dealing with this not too mention all the other things going on.
04/18/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • SC
  • 29488
Web Servicemember
My wife had the responsibility for making the mortgage payments. I had no idea of the delinquent status of our loan until I was served with the foreclosure suit. Ive determined that my wife has been suffering from some sort of XXXX XXXX and doesnt understand the gravity of not making mortgage payments timely. My wife indicates that she had previously requested forbearance under the CARES Act. After the foreclosure paperwork was received we received a demand for full payment of the loan. After receiving the foreclosure notice My wife applied for a mortgage assistance program and it took over a month to receive a denial with only a couple days left to appeal. The denial letter was dated XX/XX/XXXX. It was post marked XX/XX/XXXX. It allows 15 days from the date of the letter to appeal. 6 of those days expired BEFORE the letter was even mailed! 5 more expired while the letter was en route. Ive assumed responsibility for making mortgage and insurance payments for our family. I immediately began making payments of {$300.00} every two weeks via postal money order. I tried to establish a direct payroll draft but Midland has blocked that option for me. My payments were never posted to my account and returned by Midland. Midland posted a Deed in lieu of foreclosure on my credit report. At NO time did I consent to such an agreement. Ive provided proof of my income of over {$100000.00} per year to show my ability to make the mortgage payments. Ive been employed at my current employer for over XXXX years so interruption of my income is not likely. Direct payroll draft would ensure that payments are made timely and regularly. I have a XXXX savings ( XXXX -type ) account with a balance of over {$170000.00}. I will not be eligible to withdraw funds until early XXXX when Im XXXX XXXX. My intent is to fully pay off the mortgage at that time. I will double-check with the fund to see if they have a hardship policy for foreclosures that will allow me to bring the account current. I am fully ready and willing to resume regular payments of our mortgage. Midland Mortgage refuses to accept the payments. They seem to be on a fast track to sell my home. In light of Midlands unprofessional handling of this process and unwillingness to allow me to resume regular payments Im beginning to believe that their intent has always been to seize my home and somehow profit from misery by creating another homeless veteran.
07/25/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • OK
  • 738XX
Web
My account was hacked by someone who charged around {$1400.00} to XXXX. I tried to dispute this with the bank on XX/XX/2018. I was told that the bank wouldn't do this that I had to contact XXXX to do it myself. So I spent 3 days on the phone with XXXX. Emailing, phone calls etc and finally on XX/XX/XXXX I was allowed to file a dispute. When I went in on the XXXX the teller made the comment that there were so many it was going to take forever to do and so I would just need to do it myself. I went to the main branch on the XXXX and was told that my provisional credit would be in my account within 48 hours after filing my dispute. Mind you I have done research and emailing and phone calling to prove this fraud. I have even provided the bank with all documents and access to my personal email to prove this. Right after I left the bank on the XXXX the VP from the other branch where they wouldn't file the dispute called me from her personal phone wanting to know what I was doing. I told her I just got done signing the dispute papers and she wanted to know with who and why. Truly it isn't any of her business but was weird that she called me right after I left the main branch. I have been calling and emailing the bank daily since this has happened wanting to know what is going on. At first they were talking with me and now no one will talk to me at all. When I call the moneyline number there is literally a note in my account to transfer my calls to this branch over here in XXXX and no one is to discuss this with me. They have been very rude and have made me feel very unvalued as a customer. I have done everything I can to help them and have cooperated fully with them and I am being treated like XXXX. They are ignoring me. Today marks the 10th day since my dispute and I have not received my money back or provisional credit at all. And no one will contact me back! This has caused horrible stress on me. I was told by the guy I spoke with on the moneyline and by a lady with the CFPB that the law is 10 days. I am filing this complaint because I do not know what else to do in this matter. I am very angry as would anyone else be. I am sure I am leaving details out but this sums it up. I do have a lawyer as XXXX XXXX XXXX XXXXXXXX so I know how to do my research. I have been researching and investigating myself into this matter on my end and providing the Midfirst Bank with plenty of evidence and information.
12/13/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MD
  • 20774
Web
XXXX. The mortgage was taken out in my name in the autumn of XXXX ; my wife could not be a co-mortgagor because she was not resident in the XXXX at the time of purchase. XXXX. Mortgage was paid on time until the XXXX pandemic when my wife and I were compelled to go into forbearance, which was offered by the original mortgage company, XXXX XXXX XXXX. XXXX. XXXX later assigned the mortgage to Midland Mortgage. XXXX. Forbearance continued XXXX. About XX/XX/XXXX, Midland offered me a loan modification, which we accepted. XXXX. I signed and notarized the documents the same day I received them, and returned them to Midland via courier. XXXX. Unbeknownst to me, Midland gave only 1 day turnaround time -- meaning I received it today, notarized it today, and had to ensure that it arrived at their offices the following day. XXXX. I have no idea whether this is best practice or even what regulations determine the setting of such tight timelines XXXX. The notarized application was rejected because it came a day late. XXXX. I chatted with a Midland representative afterward by phone to restart the process. I mentioned the unconscionable turnaround time and asked for notice by email of updated documents being sent to me. XXXX. Midland emailed me updated loan modification paperwork online, which I printed out, notarized and sent by XXXX the same day at a XXXX XXXX XXXX. Midland rejected this one also because of page numbering 13. Midland then sent me another loan modification application, which I again notarized and sent for next-day delivery XXXX. " Next day '' according to the date provided by Midland was a Sunday. This indicated to me that return-by dates were set arbitrarily. 15. I nonetheless paid the cost required for the documents to be delivered the next day, although the package would not be delivered until the following Monday. XXXX. During this period ( forbearance and the modification runarounds ) I was XXXX ( XXXX XXXX ; XX/XX/XXXX to present ) due to being laid off twice XXXX. We were meeting the mortgage on my savings and my wife 's income ; but in XX/XX/XXXX, my savings were exhausted. XXXX. The accumulated forbearance plus interest has now grown to over {$70000.00} XXXX. We received a letter from a law firm Midland retained informing us of their intention to foreclose. 20. I have submitted another modification request and will follow up with an extension of time request.
09/15/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30044
Web
On XX/XX/XXXX my house was struck by lightening and hail that seriously damaged my roof, sidings, ceilings and electrical components of my air condition unit. I filed a claim the same day with the insurance company ( XXXX XXXX XXXX ). It took till XX/XX/XXXX for the insurance company to send a check of {$11000.00} as their final offer made payable to my mortgage company XXXX Midland Mortgage XXXX. Midland sent me the check on XX/XX/XXXX to endorse which I did the following day and sent back to them. My XXXX estimate was {$12000.00} after shopping around was the lowest with same warrantee. I have fixed the air condition at cost of {$4800.00} with my own money because I could no longer wait for them due to the heat.I continued to call and write midland mortgage for the insurance check, they will tell me bring this document next time another, eventually XX/XX/XXXX they acknowledged that all documents are complete. It took till XX/XX/XXXX to send me {$2800.00} after many calls and emails to start work which the XXXX refused as inadequate to do anything. I contacted Midland and they told the XXXX to send payment schedule which he did XXXX start XX/XX/XXXX - XX/XX/XXXX XXXX half at start and balance at finish. As at today XX/XX/XXXX, I have not received a dime, I call and send email every other day, is XXXX excuse after the other. I can not get a reason why they are holding the money but I am paying {$2000.00} a month. At this point my roof is about to collapse and the hurricane wind in XXXX did not help. When I ask to speak to a supervisor they will put me on hold and the same person comes back and claim to be a supervisor that is when I started to record them which I informed them but that did not stop the shady practice. I bought this house XXXX years ago, the horror I have had with midland mortgage is beyond XXXX dishonesty and deceit is almost criminal at best.They never acknowledge or respond to letters that is why I only send emails for documentation.I paid for the insurance and I am not asking for a hand out plus they are not paying interest on the money.When I contacted XXXX Adjusting, they told me there is nothing they can do for me and would not give clear reason why they send the check to XXXX mortgage except that is there contract with XXXX XXXX want my house to habitable before XXXX XXXX XXXX enforcement unit steps in which will be troublesome.
09/19/2022 Yes
  • Mortgage
  • VA mortgage
  • Closing on a mortgage
  • WA
  • 98499
Web Servicemember
My name is XXXX and I am a XXXX by trade. My husband, XXXX, is active-duty XXXX and we are stationed at XXXX XXXX XXXX. We were promised a VA partial claim by our lender and they have denied us a partial claim and our attempting to modify our loan. WE NEED A PARTIAL CLAIM, PLEASE HELP. In XX/XX/2021, XXXX and I requested a Covid-19 forbearance from our lender because my employment was terminated due to lack of stability during the pandemic. When I contacted the lender they informed me that I would have three options at the end of forbearance if I was able to resume my monthly payments : 1 ) pay all at once, 2 ) make partial payments that are added to my payments for a set amount of months, or 3 ) file a partial claim with the VA where the VA assumes the missed payments and it is paid when the loan matures or the property is sold. We selected option 3 and were told that the VA would NOT modify our loan and we would not be forced to pay the money all at once. I made contact with the lender several times throughout the year and they maintained that there was partial claims being submitted. I was informed the week of XXXX by Midland staff that partial claim was still available and would be fine. After the forbearance started I took a job with a $ XXXX a year decrease. We have exhausted all our resources to get back into a good place and for me to start a new position that pays more than when I lost my job in XXXX. We are fully ready to resume our previous payment. I contacted Midland Mortgage in XXXX to inform them that we would be ready to make our payment in XXXX. Midland informed us that the VA gave us two options now : make $ XXXX payments to catch up ; or, have the VA pay the amount due and Midland would modify our loan and increase the interest rate to market value. THIS IS NOT HELP. THIS WOULD PUT US ON THE STREETS. We were told by the VA and the lender that our loan would not be modified and the amount would be covered by the VA until the maturity of the loan without penalty. Our current interest rate is XXXX and market rate is about XXXX, this increase would force us out of our home and likely bankrupt us. Please help us get what we were promised, a VA partial claim added to the loan without modification. My husband works every day serving this country and this is not the way that soldiers should be treated. Please help.
04/21/2021 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
  • Problem with personal statement of dispute
  • NC
  • 28027
Web
In XX/XX/XXXX, I was having trouble getting refinancing on our current home mortgage with Midland Mortgage. I spoke with several lenders and they said our payments were showing late for many months. I pulled our free credit report and sure enough they are showing I was late for so many months. I pay our mortgage 2x a month breaking out the payments based on our pay periods. I have been doing this for a couple years now as jobs have changed. In XXXX we filed for a hardship program and we were awarded this program. They told us that we wouldn't be reported to the credit bureaus if we complied with all guidelines. Which we did. It is still showing on our credit report that we are 120 days late which isn't true due to the program we followed, this raised our interest rate and pushed the loan out 3 months longer. XX/XX/XXXX when Covid hit NC I was furloughed and had to go on unemployment. Took a few weeks to get that up and running, in the meantime my husband was working so it took a little longer to pay the mortgage so yes we were a little late on that one. We didn't file a Covid 19 hardship issue as that wasn't the case for us we were able to stay on track. The mortgage is always paid with in the month and if after the XXXX the late fees are paid as well and we were putting an extra XXXX down on principal. On XXXX XXXX I sent them a letter after I spoke with them and they told me either to write or fax why we need this corrected on our credit report. 2 weeks later we get a response saying they report according to the fair credit reporting act. ( Thats XXXX ) I looked at all 3 agencies, and Transunion doesn't even show anything but 2 mos of XXXX, Experian shows many late payments past 30 days, XXXX has missing months. They don't report correctly at all and not fair. I pulled my bank info as I send the payments the day of payday they are wired to them via the bank and there isn't a missing payment in each month. When I pulled their payment statements, it doesn't match mine and all I see is applied to ie : XX/XX/XXXX? I want this corrected. We are in the process of selling our house and need to purchase a new one. This company are crooks, I didn't ask for them they took over our original mortgage when we purchased this in XXXX. They don't respond when you call, all you get is send letters.. They don't communicate and they are rude..
10/21/2020 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
  • NC
  • 287XX
Web Older American, Servicemember
On XX/XX/XXXX I closed the sale on a property I owned which was financed by Midland Mortgage and with in a few days ( XX/XX/XXXX ) I received the sale proceeds from Midland. In the process of applying for a XXXX XXXX XXXX refinance on another property several weeks later in early XXXX I noticed that the outstanding debt on my credit report was still about {$150000.00} higher than it should have been and to my surprise the payoff in early XXXX was still not showing a month later as having been payed. Ironically I had used mortgage payoff disbursement proceeds from Midland Mortgage to pay down {$24000.00} on my XXXX XXXX and it was showing paid off the very next day in early XXXX. I filed complaints with both XXXX and XXXX and they both reported back in mid -XXXX ( XX/XX/XXXX ) that the Midland Mortgage loan was still showing open. I again called both XXXX and XXXX and they advised me that the Midland Mortgage account still showed open based on Midlands latest report to them. There in lies the problem, if my loan had been paid off one week earlier In XXXX, Midland would have forwarded their monthly report on XX/XX/XXXX ( less than 20 days ) to the various bureaus, but one week later they dont report until XX/XX/XXXX. So when I called on XX/XX/XXXX the Midland report of the loan payoff ( XX/XX/XXXX ) had not yet been able to hit the XXXX files. So a full 41 days after my payoff my credit score still showed a full {$130000.00} more outstanding debt than it should. Therefore my full outstanding balances was {$410000.00} or a full 33 % higher than reality. I could never know how the credit union scoring system works, but certainly 33 % debt can only improve my XXXX SCORE ( by XXXX points ) AND earn a lower interest rate on my VA refinance! I dont know what advantage slow reporting of payoffs gives to banks. After all its really just computers programmed to report to other computers. Maybe a bank shows more loan assets for longer. Certainly it cant just be sloth! If XXXX reports in one day, or I can pay a mortgage from my bank to XXXX electronically in XXXX day ; Midland can report my {$130000.00} payoff to all credit bureaus within the same period. AND NOT ADVERSELY EFFECT CONSUMER CREDIT REPUTATIONS AND SCORES! All creditors should be able to report credit status twice monthly! If not daily like XXXX XXXX
05/17/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • GA
  • 30294
Web
On XXXX XXXX, 2015, I filed a law suit against Midland Mortgage for an alleged loan that was in default. The case is still pending in XXXX XXXX XXXX Court. I received the attached threatening letter from XXXX XXXX XXXX ( debt collectors ) stating my home is in foreclosure as a result of the property owner 's default. XXXX XXXX XXXX did not obtain my prior consent to contact or speak to me. This is identity thief because you have my name and address and have communicated with me via the mail without my consent. The letter states " within the next XXXX XXXX days, title to the property is expected to be transferred to Midland Mortgage, a division of MidFirst Bank. Sometime thereafter, ownership of the property will probably be transferred to the Secretary XXXX ( XXXX ) ''. I dispute the letter in its entirety. What allegedly account number and loan number? Is XXXX Bank, Midland Mortgage, and MidFirst Bank XXXX in the same? This is deceptive collection. Who are you hiding behind? Are you a creditor? XXXX XXXX did not validate nor verify anything. Where is the alleged debt validation or verification? Please cease communications until the alleged debt is validated and verified and my questions answered. Who are all of these people? I will sent a Notice of Dispute and Debt Validation Notice along with a copy of the case filed against XXXX Bank, excluding my private information. If you would like to be added to the case that exist in XXXX XXXX against XXXX Bank, please let me know. If the alleged loan is expected to be transferred to XXXX Mortgage and will probably be transferred to XXXX, who allegedly owns the loan in default now? Is it MidFirst Bank? Why is a XXXX account number at the top of your letter if they do not have the alleged loan now? If they have the alleged loan now, why did you sent a XXXX employment verification form and a XXXX Occupancy Conveyance Form if XXXX does not have the alleged loan? If they have the alleged loan, they would have the information that you are requesting. Why should I send my private personal information to a debt collector? I will also add damages for the violations that you have committed against me utilizing my protections under the Fair Debt Collection Practice Act. This is fraudulent, deceptive collections and a threat against me as a natural person, consumer, and creditor.
02/24/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • UT
  • 84606
Web Servicemember
I filed for Bankruptcy a little over 3 years ago. I was having medical issues and had accumulated a stack of medical bills and had gotten behind on my mortgage. I was following my bankruptcy payments and making payments until I got sick again I got behind on both my Bankruptcy payments and my Mortgage again but was able to catch back up. I had a habit of rounding my payments up and the extra money went into a partial payment ( unapplied ) account. I incurred fees due to falling behind on my Mortgage and sent extra money to cover them, however this extra money kept getting put in the unapplied account and my statements still showed a small past due amount. when I received my XXXX statement I noticed that I had built up this amount quite a bit and calculated the difference for what I needed I submitted my payment with a note to combine my payment with the unapplied amount and bring my account current. The Mortgage company put it all in the unapplied funds account instead. My XXXX statement showed {$910.00} past due and {$910.00} in my unapplied account. more than enough to cover the payment. I made my regular payment and again asked the Mortgage company to apply the unapplied monies to my account. Each statement even includes a note that states " Once we receive funds equal to a full monthly payment we will apply those funds to your mortgage. '' They continued to ignore my request to do this. My XXXX statement showed {$910.00} past due and now {$910.00} an increase of {$4.00} from my rounded up payment. In XXXX my statement showed that they started adding fees to my account and they took {$290.00} from my unapplied account to put towards these fees. including an outrages {$200.00} Late fee. My payment was never late only diverted into the unapplied account by the Mortgage company so no late fees should have be charged, they should have followed their own policy as stated on each statement and as requested by me and applied the amount to my account. The other fees are not even explained and on my XXXX statement another {$500.00} was added. They have misused the funds I have sent them. Ignored my requests and are now bombarding me with unreasonable fees. I also received a letter stating that they did not receive my XXXX payment even though it shows they did on my XXXX statement. It was processed on XX/XX/21.
02/26/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30034
Web
Good morning, I fell behind on my mortgage payments with Midland Mortgage for rental property that I owned out of state during the pandemic. I was in and out of work, changing jobs several times beginning in XX/XX/XXXX. I entered into deferred payments with Midland Mortgage sometime around XX/XX/XXXX thanks to the CARES Act. I made payments when I could. The opportunity to sell the property presented itself XX/XX/XXXX and I leapt at the chance. The house sold in one week. I spoke with Midland Mortgage shortly thereafter explaining that the house would be empty for most of the time up until closing, and that I wouldn't be able to continue with my payments until the sale closed. I informed them that they should expect to be paid in full and estimated the closing for early XX/XX/XXXX. All of the representatives at Midland Mortgage that I spoke with said that that would be fine. One of their agents went so far as to say that I wouldn't be in any serious danger of repercussions until XXXX of XXXX. To my disappointment, the closing was delayed a number of times and stretched into the new year and closed on or around XX/XX/XXXX. Midland Mortgage then reported " Serious Delinquencies '' of past due payments of over 120 days to the credit agencies. I called Midland Mortgage and expressed my disappointment because I understood that the CARES Act protected me from negative reporting. The agent at Midland Mortgage agreed with me stating that I have the option to submit a dispute, which I did XX/XX/XXXX. XX/XX/XXXX they denied my request. The short version of my story is : Not one of Midland Mortgage 's agents made mention of the possibility of a seriously bad credit report. If I had known in XX/XX/XXXX that Midland 's derogatory reporting would prevent me from obtaining another mortgage or even getting an apartment, I would have found a second job. I used to have good credit and all of my bills are paid early, with the exception this rental property mortgage because the CARES Act afforded me some relief. This pandemic has been hard on a lot of Americans. I'm one of the more fortunate ones. I don't see how my bad credit report benefits Midland Mortgage. They have their money. My account is closed. All I am asking is for Midland to amend the reporting. Thank you for taking the time to hear my complaint. XXXX XXXX
01/10/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 33015
Web
I started a loan modification back in XXXX XXXX, I passed my trial period and was accepted and granted the loan modification in XX/XX/XXXX, a new subordinate mortgage was created and an official agreement for the Loan Modification, with the new principal and interest totaling out to {$1000.00} till the maturity date of loan which is XXXX/XXXX/XXXX. I was relived when I received the official documents signed from Midland Mortgage for the approved Loan Modification. Every month since then I have made every monthly payment on time as per the agreement. On XX/XX/XXXX I started receiving robot calls from Midland in regards to saving my home from foreclosure, I disregarded it at first but after 2 days of nonstop robot calls I logged into my account just to view it, it showed I owed {$100000.00} due immediately for failure of 33 payments. I immediately called customer service, I was advised not to be alarmed that my Loan Modification was under review and my account would be righted within a couple of days. After a week I received over 20 notices in the mail that I was passed due on my mortgage and need to remedy it via a Loan Modification, Program, or Short sale. I called again, now with my account showing 11 payments behind on top of fees totaling out to {$33000.00}, I was told by Supervisor XXXX XXXX that there was an error made on behalf of Midland Mortgage and they are reversing the loan modification and I will need to pay that dollar amount to bring my account to current to avoid foreclosure, that I could apply for another Loan Modification, and an assistance program to divide the XXXX XXXX into several payments, this amount is also including late fees, even though I have never been late on a monthly payment. They arent complying to our contract, they are breaching it, without explanation other than an error, with letters being sent out, with threats on losing my home. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the best answer I can receive from Midland Mortgage is they are working on putting an explanation in writing and they understand my struggles. Now I have to hire a lawyer with funds I do not have to force Midland Mortgage to honor and comply with a Loan Modification that they approved.
01/11/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MO
  • 64134
Web
My ex husband and I opened a mortgage with Midland Mortgage on XX/XX/XXXX. In accordance of the divorce decree my ex husband refinanced the mortgage with Midland Mortgage on XX/XX/XXXX. Midland Mortgage kept the same account number but removed my name. Midland Mortgage reported to XXXX and XXXX who reported appropriately the account was paid off and closed. XXXX however has continued to report my ex husband 's mortgage on my report. When I wanted to dispute this with XXXX I had to pay for their credit monitoring service prior to being able to dispute.The dispute was filed XX/XX/XXXX. The dispute came back on XX/XX/XXXX with report number XXXX that the account had been updated or removed. When I viewed the report it said terminated. The responsibility for the account had been terminated due to XXXX not receiving a response from Midland Mortgage. Now the account reports as terminated when lenders pull my FICO 2 report. It does not report my responsibility for the account was terminated. On XXXX my report through them shows account PAID, closed on the accounts on my report summary page. When you click on the account it says responsibility terminated account closed. The account still reports payments from XX/XX/XXXX to XX/XX/XXXX. This includes 17 late payments on the account. To add insult to injury the 17 late payments occurred seven to eight years after my name was removed from this account with the most recent late payment being XX/XX/XXXX. This is dragging my credit down significantly according the lender I am working with to try to buy a house. I opened another dispute with XXXX on XX/XX/XXXX. I can't get ahold of a person at Midland Mortgage to talk to them. The only thing I can do is make an automated payment when I call customer service for Midland Mortgage. When I call XXXX customer service all they say is I have to file a dispute and the dispute center has to process it. Customer service for XXXX is not able to remove any item correct or not correct. Now the second dispute says, " This item was updated from our processing of your dispute in XX/XX/XXXX. '' The dispute center says it is under dispute until XX/XX/XXXX. I want the credit report to be correct. This mortgage was closed XX/XX/XXXX and paid in full with no late payments on the account.
05/22/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NE
  • 68105
Web
On XX/XX/2021, I opened an account with XXXX and deposited 3 checks, totaling {$1400.00}. My decision to open an account with XXXX was made after ending my relationship with my former bank, XXXX. Considering that I had 3 checks to deposit, I selected XXXX as a convenient, online way in which to achieve this. The details of each check deposit are as follows : {$1.00} ( check number XXXX ) ; final disbursement of funds from my XXXX account closure {$890.00} ( check number XXXX ) ; payroll check from my employer {$550.00} ( check number XXXX ) ; settlement from at-fault partys insurance company following a vehicle collision. I received email notifications that the checks were approved, but my pending account balance did not reflect the deposits I had made. On the evening of XX/XX/XXXX, I received an ominous message to explain that a hold had been placed on the funds related to one of the deposits ( the {$1.00} check from XXXX XXXX while XXXX processed my check. As per the attachments below, the message stated that the full amount ( presumably {$1.00} XXXX would be available within five business days. I did not receive similar messages that indicated a hold was to be placed on the other two checks. On XX/XX/2021, while attempting to check the progress of my deposits, I found myself unable to log into my account online. Upon calling XXXX support team, I was told that my account had been closed for business reasons, and that I would receive a check for the balance of my deposits, along with a letter to confirm the accounts closure, in the mail. When I attempted to expand on the reasoning behind the accounts closure and request more information regarding the status and location of my money, the representative refused to give me an explanation. Upon asking whether the representative/institution could send an email to explain the situation, the representative declined to do so, and did not provide a reason for the banks inability or unwillingness to do this, despite my multiple requests for such during the call. I am now in a position where the entire balance of my account is held at the mercy of XXXX unexplained processes and actions, and I fear that my funds have the potential to be subject to theft by this institution.
09/14/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Trying to communicate with the company to fix an issue while managing or servicing your loan
  • CO
  • 80923
Web
On XX/XX/XXXX, an automatic payment went out to Midland Mortgage from XXXX XXXX, this was an error since my mortgage was fully paid off, this led me to make a formal request for a refund of an overpayment on my mortgage account, in the amount of {$1200.00}. Since then, I have been experiencing a series of setbacks and have been given the runaround by your customer service representatives and some supervisors. Despite numerous attempts to resolve this matter amicably, I find myself at a dead end with no resolution in sight. Over the past month, I have called Midland customer service department multiple times, approximately a dozen, inquiring about the status of my refund. Each time I reached out, I received no substantial information or assistance. Instead, I was repeatedly directed to contact my bank, XXXX, for a resolution. This situation has been both frustrating and time-consuming, as I have spent a total of approximately 4 hours on the phone with my bank, who, in turn, informed me that they have no knowledge of any transaction involving a company named XXXX. My most recent interactions with Midland provided me with the information that a refund check was allegedly sent to XXXX on XX/XX/XXXX. However, I have no familiarity with XXXX, and their involvement in my refund is perplexing. I implored Midland customer service representatives to reach out to XXXX and investigate the situation on my behalf, as I believe it is your responsibility to ensure the resolution of this matter. Unfortunately, I was met with the same response, instructing me to contact my bank. This frustrating cycle of being bounced between Midland and XXXX has persisted for over a month now, and it is imperative that this issue be addressed promptly. I have been patient and understanding throughout this process, but I can no longer tolerate this lack of communication and unresolved matters. I want to emphasize that I have been a loyal customer of Midland Mortgage, and I have always upheld my financial responsibilities faithfully. I had expected a more efficient and respectful handling of this situation. I am sending this complaint not out of choice but out of necessity to ensure that my concerns are heard and that this issue is resolved promptly.
04/17/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 604XX
Web
To whom it may Concern, This is a reply to the alleged response Midland Mortgage claim they sent me. I never received a reply to my original complaint that was mailed to their office on two occasions and I have received confirmation letters stating they received both of my letters. My claim that my escrow analysis covered a period less than 12 months is true and I have attached a copy of the document. The reply from Midland to CFPB is contradictory. First, they say at the time of my analysis I was due for a XXXX payment and that all payment made since my previous analysis were utilized in my current analysis. That being said I have a credit for XXXX and XXXX Escrow payments and I dont. If you look at the Escrow Statement reviewed XXXX my Escrow History covers XX/XX/XXXX thru XX/XX/XXXX whereas my Statement reviewed XXXX my History covers XX/XX/XXXX thru XX/XX/XXXX which is not 12 months as I stated in my original complaint. My complaint stands that my payment was based on an inaccurate Escrow Analysis. I dont understand how my account being due for a XX/XX/XXXX payment at the time of an XX/XX/XXXX analysis would cause a larger escrow shortage. What that statement says to me is that at time me of my analysis Midland had received my XXXX, XXXX and XX/XX/XXXX payments and my XX/XX/XXXX analysis should have a Escrow credit for XXXX, XXXX and XXXX. I dont have a credit for XXXX or XXXX. Also, once my mortgage payments were brought current my past due escrow payment should have been reflected in my Escrow History and they are not including in my History. What happened to my Escrow payments for XX/XX/XXXX, XXXX thru XX/XX/XXXX? What you will see on my History is there was a double payment in XX/XX/XXXX to cover XXXX and XX/XX/XXXX. Nothing recorded for XX/XX/XXXX or XXXX thru XX/XX/XXXX. However, in XX/XX/XXXX I received credit for {$1000.00} which include two payments at {$330.00} and one payment at {$430.00}. I was only short one payment of {$330.00} and several at {$430.00}. It is my understanding that I am required to have a 12-month Escrow Analysis and Midland has not provide me with a proper Analysis. I believe my payment have been misapplied to my account, I just dont know how far back this misappropriation goes.
03/22/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IL
  • 60451
Web
Due to several circumstances, I fell behind on the mortgage. This house is contained in an Illinois XXXX XXXX in order to protect my family from a XXXX XXXX. Midland instructed me to fill out paperwork for a loan modification. I duly complied, and sent Midland the requested paperwork. Midland responded by REFUSING to modify the loan unless the trust quit-claimed the deed into my name. This was a problem in XX/XX/XXXX, and CFPB helped me. See case XXXX. At that time I hired an attorney, spending money to do so. She thoroughly investigated the law, and verified that HUD has no such requirement for a quit-claim deed. -- -- -- Specifically she cited XXXX XXXX and noted that no title requirement exists that requires me to quit-claim the house out of the trust and expose my family information to a XXXX XXXX XXXX I gave my attorney formal permission to discuss with Midland, and she wrote Midland an explanatory letter on XX/XX/XXXX, including along with that letter copies of the documents that proved that there was no legal requirement, and that the collateral assignment of beneficial interest had been duly executed. My attorney even offered in writing in the letter to execute a second collateral assignment of beneficial interest that specifically named Midland. At that time Midland did execute the modification without forcing me to endanger my family by doing this title assignment. -- -- -- - Today, XX/XX/XXXX, I spoke with " XXXX '', teller number XXXX, and she told me that Midland refuses to modify without the quitclaim deed, and said so AFTER reviewing the documentation from the previous incident. I am just a few days shy of XXXX XXXX XXXX, and being placed into this position is stressful. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This situation is placing me under stress and causing aggravation of my medical conditions. -- -- -- - I, XXXX XXXX XXXX, do on the pains and penalties of perjury as set forth in 28 USC 1746, do hereby swear and affirm that the facts above are true and complete and to the best of my knowledge. XXXX XXXX XXXX
07/19/2017 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • FL
  • 32725
Web Older American
hello my name is XXXX XXXX. i 'm in dire need of ur assistance. re : hamp, my pay for perfornance incentive. facts : im in my 6th year to rec'v $ XXXX. my anniv. date is XX/XX/XXXX. i 'm closing XX/XX/XXXX altho ' im in good standing my mortgage company is saying i need letter from treasury to say okay to close and still rec'v my incentive of $ XXXX. since i still lived here on anniv. date. and closing 3 days after anniv date. otherwise, they will not pay me. can you please help me? i wish to close on XX/XX/XXXX and not XX/XX/XXXX. it messes everything up. i had just spoken to treasury dept this morning, and guy told me treasury is n't paying me directly ( he checked using my ss number ) treasury is paying your mtg company, so as long as you are in your home on your anniv. date of XX/XX/XXXX, i should be entitled to my final payment. to call my mtg company. i just did and left message. can you pls call me? i have been in contact with XXXX XXXX since XX/XX/XXXX ; first the denial of my $ XXXX was bcos i was not in good standing, i proved i was, she checked with my mtg company who agreed with me ( XXXX ) that i was in good standing. then i was n't eligible bcos i am closing XX/XX/XXXX, and my anniv date is XX/XX/XXXX. so i moved it to XX/XX/XXXX. to play it safe. now, its bcos treasury is paying them around XX/XX/XXXX, so since my loan has been paid in full i am not getting my monies. since when it goes by when treasury issues funds to mtg co?? its the anniversary date from what i been told 7 years ago!! i did all i could by calling everyone for help including writing letter to President Trump this morning. I can not afford to change my closing date, as it will cost me more monies with airlines ( for moving men to fly home ), rental truck, etc ... .. i am XXXX years of age and certainly do n't need this stress or runaround. i called XXXX XXXX XXXX this morning letting her know that i s/w treasury, and he told me its not federal, and not paying me directly. pmt made to mortgage company and they can send me seperate check to new home address when pmt is received to them by treasury. yet they seem to fight me on this. please help me. i 've done all i can. thank you for your time and attn. sincerely, XXXX XXXX XXXX
03/31/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NC
  • 28152
Web
I requested for a Covid-19 Loan Modification with the servicer. The servicer approved the Covid -19 Loan Modification but did not give me the required 14 days to review and return the Loan modification documentation. I then called the servicer after realizing that i the payments were going to be to much and the servicer told me that due to the rising interest rates my mortgage payments would be higher. I asked the servicer if i could get the partial claim modification and the sericer told me no. I then told the servicer that i was not given the required 14 day as allowed by law to review and return the documentataion and the servicer said that i had until XX/XX/XXXX to return the documents along with the first two payments. I then told the servicer that i would do that after i reviewed the documents. XXXX days later i received in the mail a Notice of Denial due to my refusal of the offer. I never denied any offer of the Covid 19 Loan Modification. After reviewing my account with the servicer on the servicers website i found that the servicer put me on a repayment plan that i did not agree to nor did i sign a contract to repay XXXX. I thought that was the whole point for the Covid-19 Loan Modification Plan was to reduce the mortgage payment. When i did finally get off from work to get the documents notorized and signed i find out that the servicer has my wife`s name wrong on the documents and as a result i could not get the documents notarized due to the servicers error. After several emails and phone calls to the servicer i am still no closer to getting the correct documents from the servicer and i am still on a plan that i did not agree to nor can i afford. After reading the Loan modification documents i found that mortgage payments have not been applied to my mortgage by the privious mortgage servicer nor by this servicer after the mortgage was transferred to this new servicer. I sent to the servicer a Quilified Written Request XXXX weeks ago and still i have heard nothing. This is a violation of law. The servicer is suppose to acknowlegde that they recived my QWR within five days. The servicer has not acknowledged this. Can you help me get a Covid 19 Loan Modification from this servicer i can afford.
05/01/2020 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 77584
Web
Midland Mortgage acquired our mortgage in XXXX of XXXX. We were already in a loan modification process with our previous servicer, XXXX. We immediately started over with that process with Midland. In XXXX of XXXX, as part of the loan modification process, we were asked to make a payment to begin finalizing the process. We then made three trial payments in XXXX, XXXX and XXXX of XXXX as part of the loan modification process. In XX/XX/XXXX, we completed the loan modification process. We have made on-time, regular mortgage payments ever since the loan modification was completed. In XX/XX/XXXX, we tried to refinance our mortgage through another lender. The lender said we had four months of 120 days late on mortgage payments on our credit reporting. When we looked at our most recent credit report from XXXX, we saw that the four months reported as late were the months where we paid Midland as requested by the servicer. We reached out to Midland to get this corrected. We were told by a supervisor that it was Midland 's policy to report loan modification borrowers as late when those borrowers made the trial payments and fees as requested by Midland. We were told we were " not meeting our contractual obligations '' and therefore Midland would not remove the negative reporting from our credit. This is entirely unfair. We followed every step of the process as requested by Midland. We did what we were supposed to do. Now our mortgage servicer wants to punish us for doing the right thing. Outside of our personal situation, we are horrified that Midland would do this same thing to the many homeowners who may be struggling due to the COVID-19 pandemic and seeking a loan modification. The choice should not be, follow the process set out by Midland, keep your home but have your credit punished for following those rules, OR lose your home in foreclosure. That's what Midland told us. " You didn't have to take the loan modification '' The supervisor set up that stark contrast for us when we asked them to take the negative report off our credit. At no point did Midland tell us it would be negatively reporting us to the credit bureaus for following the loan modification process set out by the company.
06/12/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • PA
  • 18015
Web
I opened an account with XXXX on XX/XX/XXXX via their XXXX app. I received two emails welcoming me and confirming my open account. On the same day, I electronically deposited a {$100.00} check into the new XXXX account via their app and received notice that the funds would be available within five business days. I then setup trial deposits from another of my bank accounts so that I could transfer to/from XXXX. On XX/XX/XXXX, I saw the trail deposits in my XXXX account, so I set up a transfer from my external account to XXXX for {$1000.00}. Later in the evening on the XXXX, I was unable to log into the XXXX app. Since these issues do sometimes occur, I did not contact support at that time. On XX/XX/XXXX, I still could not log into the app, and even trying to reset my password yielded an error that I should call support. So I did and was told that I could not access my account because XXXX closed my account " for business reasons. '' I received no notification of this closure prior to my conversation with this rep on the XXXX. The rep told me to expect a letter in the mail. I then asked about the status of my funds. The rep told me that the {$1000.00} transfer should be rejected and returned to my originating bank because it had not yet shown up on their end. But the rep then told me that the {$100.00} from my check deposit would be held until XX/XX/XXXX because even though the account is closed as of the XXXX, it will not " process as closed '' until XX/XX/XXXX. Then they will send a certified check for {$100.00} on XX/XX/XXXX. I asked if I could withdraw the funds via the app, but the rep told me that my account access was locked and could not be reinstated because my account was closed. Thus, I seem to have no way to retrieve my funds before XX/XX/XXXX even though I received no advance notice of this closure or even a specific reason for the closure, and I was offered no alternative way to retrieve my funds besides waiting until no sooner than XX/XX/XXXX ( plus mailing time, most likely ). I do not believe XXXX acted in good faith in this instance and request that my {$100.00} be released immediately to me either electronically or via certified check on the next business day.
12/17/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • AZ
  • 85268
Web
I bank with midfirst. I cashed my check in store with a teller then went to atm in store added extra cash to make even XXXX and deposited that cash into my account. Cash deposit should be available immediately. But it wasn't. Not even a dollar. I don't know a single bank or anywhere that doesn't honor cash instantly. Even the policy says available instantly unless ... in which case 24 hours funds will be available. This is already a major issue but what can I do. I wait 24 hours and check to see that no none of the money is available. And my direct deposit made on the XXXX was held supposedly till XXXX on the XXXX but yet still at XXXX in the afternoon 24 hours later none of my money available. So I went to the branch and said what the XXXX oh sorry if its after XXXX it will take 2 days. Well it wasn't after hours it was XXXX XXXX and its now XXXX so 27 hours after I gave them XXXX cash. And no money is available to me. I sat with customer service on the phone who then waisted my time by placing me on hold 2 times when obviously they knew from the beginning they weren't gon na do anything about it. They ended up telling me the funds will be available at midnight. So another 5 hours. We will see. Not looking too promising since so far they have broke 2 of the companies policies. And so I just want to close my account and they can't do that because there still busy stealing my money. To me I view this as the bank has robbed me stolen from me. They deserve to be punished accordingly. And I want compensation. They hold back charges and clear them in order that makes you go negative and then charge overdraft fees and then they want to steal cash from me. They owe me for my time hassle embarrassment and hunger. I want ever monthly service fee and overdraft anything I've ever given them back plus I want my XXXX credited to my account like uhh 27 hours ago.. they seriously waited 3 days before then put 7 atm service fees all tacked on at 1 time 3 days later. So my account went negative. Hello, thats old news XXXX was sued over that XXXX long ago and now midfirst who use to not even charge atm fees is now pulling that shady XXXX. Amd now they won't give me my money. No I don't think so.
10/13/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • An existing modification, forbearance plan, short sale, or other loss mitigation relief
  • CT
  • 06053
Web
On XX/XX/XXXX I was served Forclosure documents when I was unaware of one. Court documents dated XX/XX/XXXX. I have requested payoff statement online and via phone on XX/XX/XXXXXXXX and other future dates from mortgage company. I put My house on the market on XX/XX/XXXX. I am due to close on XXXXXXXX I did not recieve any information regarding a Forclosure risk. I was informed by mortgage company today that my forbearance ended XX/XX/XXXXXXXX and they referred my loan to a Forclosure lawyer on XX/XX/XXXX. I spoke to the judicial court civil clerk where the Forclosure I was served was filed. They informed me that nothing has been filed just yet & I do not have a docket number. I only have a return date of documents of XX/XX/XXXX. I have spoken to the mortgage company on many occasions. Asking how can this be possible that I am on forbearance. They advise me that recieved my attorneys most recent pay off requests dated earlier this week in response to the Forclosure and they were pending their Forclosure attorney to add his fees before getting it back to my attorney. We recieved new updated pay off which includes the following : Principal Balance {$210000.00} Interest from XX/XX/XXXXXXXX to XX/XX/XXXXXXXX {$21000.00} Escrow Advances {$17000.00} Property Inspections {$95.00} Recording Fee {$70.00} Outstanding Attorney Fees and Costs through XX/XX/XXXXXXXX {$2200.00} Total Payoff Amount Due as of XX/XX/XXXXXXXX : {$250000.00} Please note that this payoff quote expires on XX/XX/XXXX. Please not that my prior payoff was as follows : Principal Balance : XXXX Amounts : Deferred Principal Balance* : XXXX Interest Calculated to XX/XX/XXXXXXXX : XXXX PMI/XXXX Premium Calculated to XX/XX/XXXXXXXX : XXXX Escrow/Impound Advance Balance : XXXX Late Charge Balance : XXXX XXXX Anticipated Late Charges : XXXX Optional Product ( s ) : XXXX Prepayment Fee : XXXX Statement Fee : XXXX Release Fee : XXXX Expedited Delivery Fee : XXXX Fees Currently Assessed : XXXX Unapplied Funds Retained : XXXX Less Unapplied Funds : XXXX Less Escrow Balance : XXXX TOTAL AMOUNT DUE : XXXX Any and all information and guidance will be greatly appreciated. Thank you, XXXX XXXX XXXX
09/27/2016 Yes
  • Mortgage
  • FHA mortgage
  • Settlement process and costs
  • FL
  • 32738
Web
I recently had a flood in my home due to faulty XXXX, my laundry, bathroom, back bedroom and living room had all water damage. My insurance company quickly came provided me an estimate of damage along with a check for XXXX in turn I needed to have submitted to my mortgage company to have them endorse and return the funds. Midland Mortgage asked for the following information : Endorsed check, insurance estimate ( all pages ) and receipts of items purchased. I sent all items requested and they confirmed receipt of all documents on XXXX which was a long time since I mailed them over night on XXXX. I felt it was unsafe for me and my family to wait for the money to be dispersed by the mortgage company so I went ahead and purchased all the materials and paid to have the work done with my savings. It has been approximately 15 business days since they claim they received the documents according the to post office they received them on XXXX ( which that would be 21 business days ). I have contacted Midland Mortgage repeatedly to ensure I sent them all the correct documentation and that my claim was being processed I was advised all documents needed were received and they would begin processing it. I was first told they were working on it, I paid my mortgage payment on the XXXX of XXXX and called on the XXXX to follow up in a weeks time and they than told me that they just started working on it and it could take up to 20 business days to process. I called today 14 business days after they claim they received the paperwork and was told I would have to wait at least another 7-10 business days for processing than at that time a decision would be made. I do n't understand what decision has to be made? My mortgage payments are up to date, the damage has been fixed all of it, my insurance company worked quickly and provided me the monies to avoid a mold issue, luckily I had the savings to cover the cost if not my family and I would be living in a house that would be prone to mold. Midland mortgage should not have the right to hold the money that is rightfully mine as I pay for my insurance as I am not behind in any of my payments, especially if the work is already completed.
10/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OK
  • 738XX
Web
I am writing in regards to our mortgage company reporting late payments while in Forbearance. We entered Forbearance in XX/XX/XXXX after my husband lost his job in XXXX to COVID restrictions, the company went out of business. We began making our payments in XXXX and asked to end our forbearance. We agreed from the start to roll our missed payments to the end of our note, per the rules stated in the CARES Act. I called & spoke with our mortgage company at least every 7 to 10 days to see when our paperwork would go through ; each time the recording or team member would tell me that our home was protected by the CARES Act : it would not be reported to our credit, our home was protected from foreclosure and that you do not have to make a house payment while in forbearance. I received paperwork at the beginning of XXXX and much to my surprise it was for refinancing our home for 30 years at a wonderful interest rate. I called and spoke to a team member and explained that we were not interested in a 30 yr. mortgage and that we wanted what we agreed upon to begin with back in XXXX. She stated that the refinance was implemented in the CARES program to lower monthly payments and that she would put in the request to roll our payments to the end but it would be another 3 to 4 weeks until I should expect them in the mail. We began looking for refinancing on our home for a 10-year fixed rate because the interest rates had dropped so low. We had a credit score of 750s or so I thought, I checked our scores and they were XXXX & XXXX, I was told that until our forbearance ended that they could not begin refinancing paperwork ( CARES Act rules ) and that our credit had to be a XXXX or above and that the interest rate was higher with scores this low. I received our house paperwork and had to have it signed, notarized & postmarked by XX/XX/XXXX. It was done and completed. So my problem is my credit is ruined because my mortgage holder did not follow the guidelines and we have lost out on a chance to save thousands of dollars in interest on our home/farm. I have filed a dispute with XXXX, XXXX and XXXX on this matter and also wrote to the mortgage company about this matter.
03/21/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32205
Web
Initially when Midland Mortgage took over my account during Covid they attempted to add XXXX plus funds to what was owed. I wrote the company and stated they can not do this ; remove those funds as this is not accurate I then supplied my last statement from XXXX. They complied. A few months passed and Midland Mortgage again attempted to add the XXXX plus funds back to my account. I again emailed them and told them to remove this erroneous amount. They complied. Fast forward to when I received the funding from the Gov't for the Covid arrearages. The way Midland Mortgage applied the funding vs what they say I now owe does not seem correct. I am not completely convince this process was done accurately and within the Gov't guidelines on how to process the funding. I requested an audit. The beginning of 2023 I received a letter stating my Escrow was short {$240.00} plus change. The letter stated I could pay this amount before the end of XX/XX/2023 to reduce the now new payment amount effective XX/XX/2023. With my XX/XX/2023 statement I submitted {$50.00} towards XXXX in the area designated for XXXX. I was going to pay the remaining {$200.00} before the end of XXXX. When I logged on to do this I saw my {$240.00} amount did not change. I emailed Midland Mortgage and asked where the {$50.00} dollar payment is? They called me. I did not answer as I often request they answer me in writing yet they refuse to do this. Evidence who knows?! Nevertheless I again emailed Midland Mortgage and requested they NOT call me but provide and answer to me in writing as to where the {$50.00} dollars is and why it was not applied to the arrearages? Again a phone call. I do NOT want a phone call I want something in writing. This surely does not seem like an outrageous request. Last week I received a letter in the mail telling me they tried to call me. I am pretty sure it would have taken less time and money to simply respond to my email by answering the simple question. A question a five year old could understand. With this said I still want to know where the funding went. Additionally I would like a third part, not related to Midland Mortgage, to audit my account for accuracy.
08/08/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30274
Web
Midland Mortgage division of Midfirst bank. I am in the beginning of XXXX XXXX bankruptcy. I filed because of credit card debt not because of my mortgage. I pay on time and only had problem during covid. I was with " another mortgage company at that time. I was given a forbearance followed by a partial claim. Since then I had no problems until I went online at the first week in XXXX and discovered no online options for payment were available for me. I called customer service and was told because I am in XXXX XXXX, I will have to mail or overnight my payments. I commented that is causing a hardship for people trying to hold it together. The said that is just the way bankruptcy customers payments are accepted by the company. I had received no communication from them alerting me to this procedure. I was upset and hurt because I believed I was dealing with a pretty good company that cared for customers. I called back and I was informed that I could wire my payments. I wired my payment that day. I had to pay my credit union {$15.00} to wire it and pay the mortgage company {$8.00} to receive it. That was XX/XX/2023. I called today XX/XX/XXXX and I was first told they didn't see it. Then they informed me that my payment would be credited to my account within 5 business days of them pulling it down? ( I think that's what she called it. ) I asked them to provide me with written acknowledgement. The said I could see that info on my statement. I told her I checked on line for payment history and it was turned off. She said, yes bankruptcy customers don't have access to that information. I don't think this is right. I can't get confirmation, I can't see my payment history, I have to pay money to get payment on time and they do not immediately apply the money to my account. Please help me. This is bad business! I just want a receipt when i pay my bill l and having to go through so much to pay money on time and I can't see or get confirmation is like dealing with a loan shark or some other type of villain. I don't trust this kind of dealing. My payment is XXXX per month and I have no way to acknowledge or see when it is posted until my statement is sent.
07/20/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 60466
Web
Midland mortgage miss manage my payments from XX/XX/XXXX though XX/XX/XXXX and SAYING MY HOUSE IS VACANT, now they are threatening to foreclose on my home, If I do n't send them XXXX by XX/XX/XXXX. I do n't owe them payments I mail those payment out to midland mortgage, THEY received the checks, and the checks cleared. I even fax them the copies of the checks. They are stressing me out and I get the run arounds when I call. ALSO no one could tell me were the money is. SINCE those checks cleared. RETURN THE MONEY. I think something FRAUDULENT is going on with Midland Mortgage and they should compensate ME IN THIS MATTER. ALSO ANOTHER MATTER YOU SHOULD LOOK INTO XXXX XXXX reason why, I had a claim on my house back in XX/XX/XXXX they found asbestos, THE CLAIMS adjuster recommend that I go with a company THAT DOES THAT TYPE OF WORK FOR THEM ALL THE TIME IN THESE CASES. THE NAME OF THE COMPANY IS XXXX XXXX XXXX. THEY LEFT MY HOUSE A MESS, DUST AND PARTICLES EVERYWHERE, THEY LEFT PIECES OF XXXX TILE ON THE FLOOR AND IN THE AIR DUCTS THEY DID NOT CLEAN THE FLOOR ADHESIVE CALLED XXXX XXXX INSTEAD THEY COVER IT UP WITH SOME KIND OF PAINT EXPOSE ME AND MY FAMILY AND MY FURNITURE TO XXXX WHEN THEY SAID THEY WERE FINISHED, SO WE CONTACT THE STATE TO INSPECT OUR HOME, THE FINDINGS WERE CONCLUSIVE, POSITIVE, XXXX IN THE HOUSE.WE HAD TO GET ANOTHER CLEANING CREW. WE BLAME XXXX XXXX. COMPANY FOR RECOMMEND US A CONTRACTOR THAT WAS UNSUITABLE TO DO THIS PARTICULAR TYPE OF JOB, EXPOSING US TO XXXX. THE CONTRACTOR RECEIVED TWO VIOLATIONS. SO WHY DID XXXX CLAIM ADJUSTOR AND XXXX XXXX XXXX CONTACTED MY MORTGAGE COMPANY TO RECEIVED A PAYMENT FOR A JOB THAT WAS N'T COMPLETE, BOTCHED UP, AND INCOMPETENTLY DONE, AND IN DANGER ME MY SON, MY FIANCE AND HIS SON WHICH PUT OUR LIFE IN DANGER BY INHALING PARTICLES OF XXXX IN OUR XXXX ALSO I RECEIVED A LETTER FROM MIDLAND MORTGAGE SAYING THAT XXXX ISSUED A CHECK IN MY NAME IN THE AMOUNT OF XXXX AND THAT MIDLAND WAS NOT TO BE INCLUDED AS A PAYEE WHICH I HAD NO KNOWLEDGE OF THIS CHECK I AM VERY CONCERN THAT THIS IS FRAUDULENT AND THAT I AM BEING SCAMED.CAN YOU PLEASE DIRECT ME TO THE RIGHT ATTORNEY, I NEED HELP
04/25/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • VA
  • 23320
Web
We mortgaged the house in XXXX with XXXX XXXX XXXX XXXX. They sold our mortgage to Midland Mortgage Compnay same year. The issue is : When we bought the house in XXXX the initial loan amount was {$190000.00}. We have been paying for the house since XX/XX/XXXX. As of to date the balance that is indicated in the account is {$180000.00}. We did have two ( 2 ) modifications, the years are as follows : XXXX due to devorce, and XXXX due to loss of contract for the business. The amount that I was owing at this time of this modification was {$3000.00}. Since XXXX up to XXXX the mortgage amount {$1300.00} to XXXX was paid. Amount varies depends on the change brought by escrows, hence I mentioned {$1300.00} to {$1200.00}. Between XXXX and XXXX I was paying about plus or minus {$350.00} towards the loan principal. That is eight years ( 8 ). If I have to calculate {$350.00} XXXX XXXX a year, for eight years I would have paid {$33000.00} towards the principal. I questioned Midland mortgage about the high balance when I have been paying for 15 years. They told me that every time the loan was modify they add 10 years on the loan. Also, there are fees that are not justifiable. I also applied for modification during pandemic. I was told that the modification has been granted by they are waiting for deed confirmation to date. Also, they sent somebody to change the lockers at the house while I was gone overseas due to death in the family. The person they sent stole yard equipment that was stored in the shed. I notified Midland about the incident and I sent police report and the value. Names of the stolen items were attached to the police report.They told me they are investigating the situation. Since then I have never heard any thing from them. I have been calling them so may times about the issue, but I always get an answering machine and no one is returning my calls. In XXXX of XXXX, I sent a letter to Midland addressing my frustrations. They denied any wrong doing. They believe the loan balance and fees are correct. Also, they mentioned that in regards to personal property they do not have evidence to substantiate the allegations.
01/09/2024 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
  • NC
  • 27591
Web Older American, Servicemember
I did an application for mortgage assistance, that started in XXXX of XXXX I called and talked to someone in XXXX to see where we were at. I was told that my application was not complete. I asked what they needed and was told that on the borrower income I did not complete that form. I said I did not have any other income but our social security. She said I still needed to put XXXX in all the other aeras of income. So I printed that form and fax it in to them that day. I did not here from them so I called in a couple days and this lady told me I needed to complete another application and make sure I completed and mail in or fax to them. I printed another copy and finish it and I took it to a office depot and had it faxed to them. I went there because I would have a receipt that they got it. I waited for about XXXX days and called them and at first the employee told me my application was not complete. I told her that I had had faxed it and had receipt that they have it. In a few minutes she found it and told me it would take about 30 days to complete and they would let me know then. In XXXX my husband became very ill and we spend a lot of time in hospital and doctor offices. In XXXX he had XXXX XXXX to save his life. We also had our hot water heater go out and our fridge went out. With being on fixed income it is hard. I summited everything in writing of what we went through and even gave them copies of my husband medical records. As I have set and look over the non approval notice, they did not approve me and my husband because of a credit score. Yes my credit score has taken a hit, when you do not make your house payments it will tank your credit score. I have been in my home for 23 years and I am XXXX XXXX XXXX. Have I always had perfect credit no but what we have been through and I summited everything to them I feel like we were not treated fairly. If you can help I thank you and if you can't I understand. I am trying to hold on to our home. Thank You I fog to say in XXXX that would not accept a payment from us it had to be all or nothing. Our payment are XXXX per month and in XXXX they had added a lawyer fee to us.
11/25/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75241
Web
My husband and I was in the process of selling our previous home where payments was due with XXXX XXXX A Division of MidFirst Bank. As of late XX/XX/XXXX early XXXX we requested a payoff. In XXXX I received a call from XXXX XXXX but no message was left. So, I returned the call because I wanted to find out why they were calling because I knew I was current in payments. The young lady that answered the phone went though their protocol by asking me all of my information. Then she processed to ask me what I needed, I responded stating that I had a missed call but no one left a message. I then stated, Im not actually sure why anyone would be calling because were current with our payment and she stated yes I see that. She stated that she was not sure who and why anyone would be calling you. Well, come to find out back in XX/XX/XXXX we applied for mortgage assistance but didnt go through with it but we came up with the pass due on XX/XX/XXXX and brought current. At that time a cancellation for the mortgage assistance was done. Now, that we have requested a payoff XXXX XXXX has used a third party company by the name of XXXX XXXX to run our credit on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX causing a hard inquiry on both of our reports causing our score to drop. Plus, causing issues to move forward with purchasing our new home that was to closed on back in XX/XX/XXXX. Once, I found out this information that caused us a delay in purchasing our new home I reached out to XXXX XXXX to find out why were they running our credit for mortgage assistance when we wasnt behind and havent been for over six months. No one could answer my question so I asked for a supervisor, then she couldnt answer me either. She tells me that I need to give them permission to run my credit so she can see if it was XXXX XXXX that did what I was claiming. I told her no because they have already ran our credit without permission twice and cause my spouse and I credit to have a hard inquiry that needs to be removed immediately. I informed they lady that I was very unhappy and dissatisfied with XXXX XXXX and discontinued the call.
09/13/2019 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Unable to open an account
  • NJ
  • 080XX
Web
On XX/XX/2019 I discovered online that VIO Bank ( based in Oklahoma ) was offering 2.52 % APY for its high yield online savings account. I did some research and even called its customer service ( XXXX ) to ask a few questions. After my questions were answered, I decided to open a joint savings account, but was instructed by the operator to complete the application online. On the same day, I completed the application for a joint account using personal information. The application also contained some questions for identification after the personal information was entered. I completed all the questions and submitted the application. As a result, I received a message indicating Unfortunately, we can not process your application. I tried reapplying for the account for three times afterwards, but received the same results. My application was rejected. I called the customer service number ( XXXX ) on XX/XX/2019 to inquire about the rejection. The lady operator asked for my SSN. After looking at the application, she mentioned she could not reveal the reason why my application was rejected and instructed me to reapply online at a later time. I asked to speak to a manager but was informed no additional information would be provided by the manager also. I expressed my concern that VIO bank collected my personal information, failed to explain the reason for rejecting my application, and may possibly divulge it. It wasn't fair for them to hold my personal information without providing any service. I have an excellent credit score, and there wasn't any reason for a rejection. But the operator couldn't provide any further assistance. I reapplied later on XX/XX/2019 for one last time, but was rejected again. I am not satisfied with Vio Bank. They're hoarding my personal information and not providing any resolutions. On their website, I discovered other people also had the same ordeal and voiced their experiences. Neither its website nor its live customer service were useful. VIO Bank needs to be held accountable for their shady business practices. I'm demanding some action be filed against them. Thanks
05/25/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IL
  • XXXXX
Web
I am having a problem with Midland Mortgage who is the holder of the FHA mortgage loan on my home. They have misled me and not been honest and seem to be trying to deny access to programs for struggling homeowners. I was in an agreement with Midland Mortgage but unexpectedly had the IRS come after me for back taxes and garnish my paycheck. As a result of this garnishment I could not afford my bills and I defaulted on my modification. I immediately contacted Midland and they told me they would work with me and to contact them as soon as I was back on my feet financially. In a matter of months I was able to get the IRS to put me into a payment plan and began receiving my regular paycheck. I tried to make a monthly payment to Midland but they would not accept my money and told me I had to repay all missed payments as well as late fees, Attorney fees etc. I was not able to do this. I was told I could go through the loss mitigation review in order to resolve the late payments and get considered for a modification. I submitted the financial information and was told that everything looked good. Then I was told that since I had received assistance through HUD in the past that I could not be reviewed for assistance again. I dont believe this information is accurate and when I asked Midland to explain they could not give me any straight answers. I have owned my home si nce 2009 and have worked as a XXXX XXXX for 26 years. I ran into a true hardship when the IRS unexpectedly garnished my paycheck and it caused me to default on this loan. As soon as I got the matter resolved I tried to work things out with Midland, but have run into a brick wall. I believe that I qualify for assistance through HUD with my FHA loan based on the income but Midland is refusing to open a review. I believe that there are options such as partial claim, special forbearance or modification available for me. I dont understand why Midland agents tell m e to apply for help and that everything looks good then tell me that they wont help me because HUD helped me in the past. This does not seem right.
02/17/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 32068
Web
My Mortgage was recently bought by Midland from XXXX XXXX XXXX XXXX .When I was with XXXX I applied and was accepted to the HAF or Homeowners Assistant fund .As I was in forbearance due to covid and losing mine and my wife jobs. The state of Florida Department XXXX XXXX XXXX the payments directly to the holder of the mortgage what was first XXXX and then now Midland I was awarded 18 future of mortgage payments that started in XX/XX/XXXX till XX/XX/XXXX at 3 payments to XXXX and carried over to Midland on XX/XX/XXXX till stopping XX/XX/XXXX .And I was notified in late XXXX the XXXX XXXX by Mail I was behind on payment and need to submit payment of XXXX XXXX call Midland to report the mistake and get a different answer or deliberately put on eternal hold or hung up on.A few times they will look into it or its been completed my HAF is over. And just ask for payment .I even gave what I could till resolved they said I had Unapplied funds {$290.00} in my account and I made a payment of {$500.00} on XX/XX/XXXX to pay XXXX Missing payment that they reported to me never received from HAF. XXXXXXXX XXXX went missing as well and warning me late on XX/XX/XXXX and in default .They received XXXX payment from Haf but put it on XXXX making me late for XXXX And Midland said they would open up a inquiry to what happened to my HAF funds that the state verifide to me by phone twice that the And Midland said never received.They even told me my Haf has ended All payments have been sent to Midland by The Florida XXXX HAF Funds and I should still be current. Using only 5 Payments accounted for of 18 payments awarded 3 payments applied to XXXX and 2 Payments applied to Midland and 2 payments missing by Midland .Reported as sent by the state for HAF to Midland .The state has opened a Inquiry and have not heard back but they only opened it for one payment and will do the 2nd payment once any receivement date has passed. I ask Midland to stop putting me in default remove bad credit reporting and till the inquiries to missing funds and or 2 payments have been returned and applied.
12/27/2021 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 34759
Web
This notice is to inform you that you unlawfully reported fraudulent accounts open in my name XXXX XXXX. The Following account is a result of Identity theft and was not initiated by me, I demand that account be DELETED immediately. My identity has been stolen you are herby put on notice.Aggravated Identity Theft pursuant to 18 U.S.C. $ 1028A ( 1 ) In General.Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.An identification of me has been used with out my permission to open this fraudulent accounts # XXXX that have damaged my reputation and damaged my mode of living because you furnished a false information to consumer reporting agency without my written permission as stated by Federal Law.15 USC $ 1681b Permissible purpose of consumer reports. I have attached all the relevant documents pursuant the above Section of the law. Attached Identity theft Affidavit police report, driver ID FTC identity theft report and XXXX XXXX XXXX. 15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability. company shall delete the any information in the file of a consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by consumer ( 1 ) Appropriate proof of identity of the consumer : ( 2 ) A copy of an identity theft report : ( 3 ) The identification of such information by the consumer : and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. I have attached all the relevant documents pursuant the above Section of the law. I demand this Fraudulent account be DELETED immediately from consumer reporting agencies.
02/05/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 77433
Web
I started my modification loan process XXXX for title search on the property. Title search completed wrong persons names with lien on the title search. I called 2-3 days every week for updates only to be told there was nothing I could do it takes a while, mind you that my home is only 5yrs old. Finally spoke with rep. that told me I had to call tax office XXXX XXXX, XXXX, to have lien removed and ask for a letter of removal since it's not me and this was done immediately and sent over within two days. I asked why this was not shared with me earlier than now since the title search has been completed since XXXX XXXX and clearly you know that I am the only one listed on the loan. I was told by two supervisors that my interest rate@ 2.87 % one in XXXX XXXX and XXXX XXXX I was locked in, and I should receive my modification documents within 7 business days or download from my portal when available. Now it's XXXX I received my modification documents at the rate of 3.50 % and no one is honoring the promised 2.87 % interest rate. As I stated to the supervisors and representatives this was out of my control not my fault and I have tried to assist you with any situations concerning this modification process and should be granted the promised rate of 2.87 %. I was never sent the not affidavit to sign nor offered to sign one until this day still, this part of the process of acknowledgment of liens. I have asked to speak with managers and was told none are on duty or available to speak with me, supervisors have said they will call me back and never have until this day. I feel that they held my process of modification loan until the interest rates went up, since I have been corresponding with them weekly sometimes 2-3 calls a day speaking with different representatives and supervisors cause its very fairly rare to get the same person, and some were more willing and helpful than others. Action taken by company XX/XX/XXXX researching phone calls will take until the XXXX of XXXX to complete but the rate is 3.50 % since they have to follow FHA guidelines. UNFAIR Process.
08/22/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MA
  • 01843
Web
on XX/XX/2019, an attorney that represented Midland Mortgage was send to tell me that the bank was filing a foreclosure on my resident. I reached out to the bank to apply for a repayment plan. I emailed and faxed to midland mortgage my application. I reach out to the a week later, they said they never received my application. so i send it again. For two weeks, I have been reaching out to them. I have spoken to 10 plus representative and a manager they claim was a lost mitigation manager and he was a collection person. I have not spoke to ANYONE from LOST MITIGATION. Every time I tried to talked to that department, Midland Reps. stated " they can't be reach or there's no way of calling them ''. On XX/XX/2019, XXXX bank wanted a quit claim from me which I email and faxed to them on XX/XX/19. On XX/XX/XXXX, i called and they said I was denied for a repayment plain because my net income was not high enough which I found was weird cause during the same week they asked me for a divorce decree. My net income is {$7100.00}. I spoke to a manager and he told me to send {$6000.00} in and see if they would put the {$5000.00} attorney fees toward the back end and send in my child support doc.. I called on XX/XX/XXXX, I spoke to another rep. who said that they need a letter from Massachusetts saying I was getting child support. I am so confused on how they can denied a claim in 2 days and no one single person from lost mitigation representative is assign to it where I can talk to them instead of 10 plus people from different dept. etc. customer service and collection but I have not spoken to Anyone from lost mitigation. I have called every other day and spoken to so many people that is not from that department who have given me no answers to question I ask or wrong answer. I would like to have the CFPB help me find a solution with this mortgage company since I feel they are not even working on it and just denying a chance for a repayment since I only owe {$11000.00} which part of that is attorneys fee. I can make a {$6000.00} payment on tuesday XX/XX/19.
06/08/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 122XX
Web
I, XXXX XXXX XXXX does submit a statement to the Consumer Financial Protection Bureau ( CFPB ), not necessarily as a complaint, but as a resolution to a current foreclosure matter that can be easily resolved. Over one year ago, I took possession of a home where the owner needed to move back south to XXXX. Initially I tried to refinance the property, but because the property was already in default, there were no traditional mortgage programs that would approve the transaction. I was also in a period where I was rebuilding my personal credit. I then tried borrowing funds at an excessive rate of 14 %, but the math simply made the transaction a huge loss for me to go through with it. When the property went into a foreclosure status in XXXX of 2018, I was in the position that I had to defend the action pro se. However, I have attended the property needs such as repairs, and I desire to move into the structure as an owner/occupied property, make mortgage payments, acquire property insurance, and eventually refinance the home altogether. I am requesting that {$40000.00} of the current balance be placed in forbearance. The amount should cover the unapplied balance. The current interest rate is an exorbitant 9 %, which needs to come down to 3.5 %. In this fashion, I can afford a payment that will be reasonable, and I will agree to refinance the property after 24-monthly payments. There are simply too many foreclosures in the XXXX, XXXX XXXX area, and the property I own does not need to be in those statistics. Accordingly, I request the CFPB to be a go between on this matter, post the file on the internet as a foreclosure workout scenario, and place the complaint with the Comptroller of the Currency and/or the Federal Deposit Insurance Corporation as a mandate showing that there are reasonably solutions to foreclosure matters that does not require years of litigation. The judge at the XXXX County Supreme Court desires to see this matter worked out without the option of foreclosure, and I am in a position to do exactly what is best for this situation.
07/21/2023 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • FL
  • 328XX
Web
We are in a CARES Act protected program in consideration by HAF/DEO Florida - We applied in XX/XX/XXXX when 18 months was the allowed period of time. We are a family of whom three persons have XXXX. Our case was decided 5 months late so as to group us into XX/XX/XXXX when FL Executive order decided to reduce federal fund payouts to only 6 months. Rapidly our case was closed to make it inaccessible since. We are whistle blowing and pursuing the 12 months still owed separately by formal appeal XX/XX/XXXX after a wage-earner within the family has long XXXX and XXXX XXXX as a result. There have been covid funds questions since as missing funds may have been diverted away from the benefit of homeowners like us. Meantime, Midland Mortgage & MidFirst Bank are aware of all this as the fact of a government review being fully noted on our mortgage. Instead, the bank is pursuing delinquency. They did not follow the CARES Act and on our case which is fully certified and underway by HAF they reported both mortgagee homeowners to the credit bureaus, ignoring a Forbearance request sending a form letter requesting documents prohibited by the CARES act. They ignored an online application filed XX/XX/XXXX when non delinquent and while refusing to reply under the Americans with XXXX XXXX as pre-notified they reported us to the Credit Bureaus so our good standing credit of XXXX dropped almost XXXX points. Every loss mitigation step we qualify for including streamlined USDA refinancing on our government-guaranteed mortgage was bypassed. We noticed they started pursuing debts days within the 15 day grace period when they hadn't yet defaulted, as well as fees which Statute prohibits. Every effort to resolve by our reaching out repeatedly with proof was ignored, instead accelerating us into foreclosure. This is bad faith by the mortgagors which has worsened our health and they are liable for job impact directly caused by continued non compliance and non response. The online access seems to exist as a front to purport to be following statute and stipulations.
05/20/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • TX
  • 78705
Web
I opened an XXXX checking account on XX/XX/XXXX since they advised I will receive {$250.00} welcome bonus if I make 2 direct deposits within 90 days. But I didn't receive the {$250.00} after I made two payroll direct deposit to my account within 90 days. I contacted customer service in XXXX and the representative said I still need to wait 45 days after my second direct deposit ( which deposited on XX/XX/XXXX ) and there is nothing more I need to do since I already fulfilled the direct deposit requirement for welcome bonus. On XX/XX/XXXX, I found I still hadn't received any bonus. So I contact customer service again. This time I received a different response. I was told I can not receive the {$250.00} since I didn't have {$1000.00} balance at the end of 90 days after I opened my account ( which should be around XX/XX/XXXX ). But they doesn't mention this {$1000.00} requirement on their disclosure ( and they even changed the new disclosure, a screenshot of the old one is attached ). On the disclosure, the only sentence mentioned about {$1000.00} is " XXXX relationship must be open and in good standing with a minimum balance of {$1000.00} to receive promo incentive ''. This sentence doesn't say anything about 90 days. So in short, the disclosure said : 1. The Requirement : two direct deposits within 90 days. 2. When to Receive : 90 days after meet requirement ( the second direct deposit ) 3. How to receive : Have a open account with {$1000.00} minimum balance I don't have {$1000.00} balance at my account now, but I could still deposit before the 90th day. But XXXX customer service just told me I am not qualify since they want a {$1000.00} minimum balance on 90th day from the date I open my account ( It is easy to notice that this explanation is different to disclosure ). XXXX bank are trying to be dishonest on their promo disclosure and refuse to pay customer the promised bonus. Their first customer representative said I don't need to do anything and would see my bonus in 45 days. And they didn't compliance to it too.
05/10/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • NV
  • 89101
Web
Hello. I have XXXX XXXX. I also on XXXX XXXX XXXX opened a Monifi ( online checking account by midfirst bank ) On XX/XX/XXXX thru my monifi app I transferred XXXX from my XXXX XXXX to my Monifi. Before I got my monifi debit card in the mail Monifi suddenly closed my account " business reasons '' is all they would tell me. ( officially closed XXXX.They still to this day refuse to give me my money back. They say XXXX XXXX has to ask them for the money back. Finally I got thru to somebody in the claims dept who took the time ( 2 hours on the phone w her ) she researched the bank asked me questions to figure it out, very thorough. This was not a fraud claim, i know it and so does XXXX XXXX, that was the department i had to go through they said. So she filed a claim to get it back. XXXX XXXX then put XXXX back into my account along with sending me a letter stating I was in the right and case closed. Now months later on XX/XX/XXXX XXXX XXXX takes XXXX out of my account leaving me overdrawn XXXX. First excuse was that i had account before i opened this one and i was negative XXXX so they took it. A lie. Second excuse is that whoever did my claim did it wrong. Now they say that because it wasnt a fraud claim they decided to take it back. They knew from the beginning it wasnt a fraud claim. All I needed them to do was to pick up the phone call Monifi and give the ok for them to give me my money back. They responded like i was asking them to call me a taxi to tKe me to the XXXX house in outer space so I could walk my dog XXXX!! I am well aware that the law states when a bank closes your account for any reason they have to give you your money back. I dont owe monifi anything. Still they refuse. Along with telling me XXXX XXXX never filed a claim for anything. Now any deposits coming in or auto pay bills they are taking and not paying. This was all the money i have in the world. They are steLing from me, both banks, i feel like because who am I? What am I gon na do. I hope this makes sense Thank you XXXX XXXX XXXX XXXX XXXX XXXX
04/25/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 76013
Web
My husband XXXX XXXX ( successor in interest ) and I ( his spouse ) applied in the fall of XXXX for the HAF program ( state of Texas ) due to falling behind on mortgage payments due to the Covid-19 pandemic. It has taken several months for approval but Midland Mortgage finally sent a letter to HAF that they needed {$14000.00} to bring the loan current. The principal balance currently is {$14000.00}. HAF sent me a letter on XX/XX/XXXX confirming approval and advising a payment of {$14000.00} was sent to Midland Mortgage. Midland Mortgage received and noted the loan with " applied funds '' but DID NOT POST MY PAYMENT. I called Midland Mortgage on XX/XX/XXXX and spoke to a customer service representative. I requested the late fee balance be waived and asked them to post my payment. I was told that they wouldn't waive my late fees and that they needed instructions from HAF on how to apply the payment. So I contacted HAF and spoke to a representative. I told them that Midland Mortgage didn't post my payment and needed instructions on how to apply the payment. The representative told me that they are supposed to apply it to all the missed payments and late escrows. She sent a message to my case worker. It is now XX/XX/XXXX and my payment is still not posted. I new statement has generated with a larger balance due and fees and interest continue to accumulate. I called Midland last night and told them to apply my payment and they advised me that it takes 30 days to post the payment. They received the payment on XX/XX/XXXX. They noted it as " applied funds '' and then on XX/XX/XXXX they removed the payment completely. The payment is no longer visible when I check my loan information on line and they have not posted my payment. HAF told me that they need to contact the " loan servicing support team '' on how to apply the payment. I am certain that Midland Mortgage already knows how to apply the payment for individuals in my situation. I can not be the only homeowner approved for assistance under the HAF program.
12/12/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • OK
  • 74055
Web
I contacted my bank, Midfirst Bank, on the evening of XX/XX/2019 informing of fraudulent transactions processed on my checking account. At the time I was only aware of 3 separate transactions of {$17.00} each processed on the same day. I filled out a dispute form explaining these charges were fraudulent and was given a new debit card. I informed the banker I have a XXXX account, however, I use my Midfirst Credit Card to pay my monthly fees. The dispute department researched and declined my fraud claim because they said there was a pattern of charges. I called the area manager furious about this decision. She explained to me that there were separate charges for different amounts going back to XX/XX/2019. She assured me that I could fill out another dispute form and she would forward them to the appropriate department for review. Within a week or so of the newly resubmitted forms I received some letters stating they found fault with the transactions from XXXX, XXXX, and XXXX. However, they stated they would not refund the transactions from XXXX and XXXX. In other words, even though the debit card was compromised they refunded some of the XXXX charges, however, refused to credit back the 6 charges totalling {$100.00}. Some of these charges have alleged signatures and some are labeled as XXXX. I spoke with the area manager a few days ago, actually going into the bank stating that I would like to resubmit a form for fraud on the remaining 6 transactions. She stated, " I wouldn't worry about submitting the forms again, they'll just get rejected again. '' Is that how a banking manager should act toward a customer? Taking away my right to dispute fraudulent transactions. I wanted a copy of my signature, and proof that I authorized those transactions. Proof they could not provide. I attempted numerous times speaking with the area manager and someone who is above her. As a longtime customer of Midfirst this situation is extremely frustrating. All they had to do is make the situation right, it's just that simple.
06/30/2023 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 190XX
Web
We received notice from XXXX XXXX XXXX in XX/XX/XXXX that all three credit agencies ( XXXX, XXXX and XXXX ) were reporting that our mortgage with Midland Mortgage was delinquent by over 120 days. After reviewing our payment/transaction history on Midland 's website, my husband and I were able to confirm that our payments had been successful and on time. At that time, we called Midland 's Customer Service number, and over the course of multiple calls with both Customer Service reps and Supervisors, we were told our ticket was expedited with their IT team, and it was later discovered that their reporting system was malfunctioning and reporting delinquent payments in error ( when they were able to confirm successful payments ). The reporting error began in XX/XX/XXXX and continued through XX/XX/XXXX. As of today 's date, delinquent payments are still being reported by all three credit union agencies and have not been removed, despite disputes with all three credit unions. Additionally, after being told that the reporting system issue had been found and resolved, we received notice today ( XX/XX/XXXX ) that Midland is again reporting delinquent payment, even though our payments have been successful all this time. Some background : We were forced to move to an FHA mortgage after being involved in a pre-foreclosure situation around the time of COVID, and have been struggling but able to make our payments on time since the transfer to Midland. Midland 's continued, repeated negligence has made our credit score suffer due to their payment system 's inferiority. We just want what's right- the removal of any and all delinquent notices with all three credit unions, and Midland to take responsibility for their reporting system mistake and see it through so that this does not continue to happen. I would not wish this treatment on anyone, and hope by publishing my experience that no one has to suffer the tears and heartache my husband and I have been going through for months with no resolution.
11/27/2021 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • VA
  • 22204
Web
Dear Sir or madam : I have requested a Loan modification from Midland Mortgage since XX/XX/XXXX ( XXXX ). And they have not responded yet with a Plan. However in the past instead of helping me, they increased my payment and my rate. I already sent all the information requesting a Loan Modification. They are delaying and they have not responded to my request for Loan modification even though I already sent all the information. They are making things difficult. I need to make sure I can take advantage of the low rates. Apparently I am not allowed to try to refinance with anybody else. They lock me and are keeping me hostage with debt. This time I should be helped since I am the home owner. As the FHA guidelines suggest. My hardship has been : 1. I suffered health issues due to my XXXX illness. XXXX XXXX XXXXXXXX XXXX See pictures. 2. Because of the pandemia, I lost my job in the hospitality business XXXX in the software branch XXXX XXXX. I am attaching the documents that prove the statements I declared : Attachment I. - XX/XX/2021, Sent the paystubs that you required. Attachment XXXX. XX/XX/2021. Sent ALL the documentation including application everything included in the email. Attachment XXXX. XX/XX/XXXX Official Loan Modification request. Attachment IV. Pictures of my XXXX XXXX I have not sent anything else after XX/XX/XXXX ; therefore they claimed that I completed until XX/XX/2021 that is not correct. And I still have not received resolution on XX/XX/2021. I am being blocked from getting the low rates. Mortgage companies have resources that home owners do not have. I am requesting you a decrease of the rate as it is suppose to help the home owner. The delay is causing that I can not take advantage of the great low mortgages. I need help!!! If you would require more information or clarification, my email address : XXXX, please do not hesitate in calling the XXXX ( XXXX ) XXXX XXXX. And if we miss your call please leave us a message. Sincerely yours, XXXX XXXX XXXX
12/01/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • TN
  • 38104
Web Servicemember
Through CFPB my XXXX checking account was successfully reopened back from XX/XX/21 complaint XXXX. I qualified for the {$250.00} Direct Deposit Bonus as well as the {$25.00} Savings Goal bonus once my account had been reopened. I never received the bonus and my account again was closed but this time due to inactivity. I spoke with XXXX XXXX, XXXX line Support Team Supervisor, ( XXXX ) XXXX back in XXXX about the {$270.00} bonus I never received and was told by him there had been many errors on numerous accounts regarding the bonuses not attaching to the account and my account was one of them. Since my account had been closed for inactivity, whereas it had been active since I made several direct deposits into the account ; he apologized for the mishap and said he would have a check for {$270.00} cut and mailed to my home since it could not be placed into a closed account. He also said he would get back to me within 72hrs and if he did not for me to contact him directly. Unfortunately, he never contacted me back and I have attempted to contact him and leave messages on his voicemail several times in regards to this matter ; I still have yet to receive a callback nor the check for {$270.00}. I have also contacted the customer support line twice since my failed attempts of contacting XXXX. I first spoke with a young lady named XXXX XXXX who said my check was on the way. This call took place back in XXXX and here we are in XXXX still no Check. I called again today and spoke with another customer support team who tells me they see everything in the notes regarding my account and the {$270.00} should be sent to me but XXXX XXXX is the only one who can handle it. The CSR said he would email him letting him know I am still waiting for this situation to be resolved and a callback from XXXX. Still no call back and I personally don't think I will receive one. This is very disturbing and has been a long drawn process to receive what I earned. Please help. Thank you
11/14/2023 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Unable to open an account
  • MA
  • 019XX
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam, I am writing this letter to register a formal complaint against Vio Bank ( a division of MidFirst Bank ). I have applied online for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and received an automatic denial to open this account. When I contacted Vio Banks customer service at XXXX, I was informed that they could not tell me the reason why my application to open a savings account was denied. I have excellent credit and banking history and large account balances in my current banks, so there is no legitimate financial reason to deny my application because I am not a high-risk customer. Furthermore, the bank refused to give me a reason why they denied my application for this account. So basically, I received a denial without any reason for this denial. I believe that this denial decision by Vio Bank was based on illegal discriminating against a XXXX XXXX XXXX XXXX XXXX XXXX XXXX like myself. Please investigate this situation for the following reasons : 1 ) The bank needs to provide a reason for a denial to open a savings account. They stated that they do not have a reason for this denial. If this decision was based on any financial factors such as XXXX they need to issue an adverse action notice and let me know the reason for this denial. 2 ) I believe this was a case of illegal discrimination against a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 ) I have an excellent credit and XXXX banking history, high account balances with other banks, and I never bounced a single check in my life. So I believe that Vio bank had to make their denial decision due to illegal discrimination based on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please let me know if you have any additional questions. I can be reached at XXXX XXXX XXXX I believe Vio Bank denied me because of illegal discrimination against me and this situation has to be addressed. Thank you, XXXXXXXX XXXX XXXX XXXX XXXX XXXX
10/26/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • NJ
  • 08094
Web
My mortgage was transferred to XXXX, then to XXXX XXXX XXXXXXXX, then to XXXX, now to XXXX. XXXX XXXX holds my half mortgage payment until they receive the whole mortgage payment. I pay them on time or within the grace period. They retain the interest they are earning on holding my half payment. They hold the half payment until they receive the other half and then apply it to my account. I called them XX/XX/18 to discuss this and they insist that it is not their policy to accept biweekly payments. This policy is not listed in the " Welcome! '' materials they sent me. I did not ask to have my loan transferred, yet again, to a company that I can not trust is following ethical and legal banking practices. The supervisor in customer service at XXXX tells me that they also can not apply extra funds to my account unless I tell them where to apply it. Logic tells me to automatically apply extra funds to principal unless I ask them to apply to interest or escrow. XXXX insists that i have to tell them where to apply the funds. My XX/XX/XXXX payment had an extra approximately {$5.00} included. They automatically applied it to principal. Yet on the phone, they tell me that I need to tell them where to apply it. After I pay XXXX 's payment in full, if I send them a half payment on XX/XX/XXXX, they will automatically apply it to principal instead of hold it for XX/XX/XXXX payment. This directly contradicts what they said about holding payments until they receive full payments. I believe XXXX XXXX is not allowing me to pay principal faster, forcing me to pay full interest when I am sending them money ahead of the due date. They are also retaining the interest earned on holding my money. It needs to stop. They are stealing my money, fraudulently holding it for their own gain, and misleading financially sound consumers trying to pay their mortgage down faster. This system is set up to fail the homeowner and only pads the pockets of mortgage companies. It needs to stop.
09/26/2023 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Problem accessing account
  • AE
  • XXXXX
Web Servicemember
On XXXX XX/XX/2023, I opened a high yield money market savings account with Vio bank. I am a military member overseas and XXXX while convenient for military members does not have decent interest rates so I wanted a supplementary account for my accessible savings that would make more interest. I got a notice on XXXX XXXX that my account was ready to go. I funded it with a {$1000.00} transfer from my XXXX account, and when I got paid I scheduled another {$5000.00} transfer. I received an email on XXXX XX/XX/2023 that the transfers failed because " The account you are transferring to can not currently be used for transfers '' according to an email. I tried to log in but it said my log in did not work and to contact customer service. I tried to call, but since I am overseas, the time difference makes it difficult to call during their opening hours. I emailed, and they told me to call. Today I received an email that my account was closed with no explanation. I stayed up late to call the bank and try to figure out why and they said they closed it per their terms of service and would be providing no further information. I requested to speak with a supervisor and they said one would call me, and then hung up on me. While I was on the phone with customer service demanding information, I said this better not impact my flawless credit history just because they closed a bank account with no explanation. I can not imagine what could possibly be the issue other than I am a military member overseas. I have my home of record in Iowa at the house that I own and maintain a residence. We are in XXXX under orders pursuant to the XXXXXXXX XXXX XXXXXXXX. It is not like we are expats. I wanted this account so my savings could actually make some money for once but after dealing with their awful customer service, really all I want is to make sure there is nothing negative on my credit history just because they refused to let me transfer money to a bank account they approved.
03/03/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 33317
Web Older American, Servicemember
On XX/XX/XXXX I sent in a payment to Midland Mortgage in the amount of {$860.00}. I later on received a statement stating that my mortgage was modified and my payment would be reduced to {$210.00}?? So on XX/XX/XXXX I requested that {$300.00} be return to me and they approved my request. XX/XX/XXXX I called them to let them know I did not receive the reverse payment of {$300.00}. They stated that they couldnt return just the {$300.00} that they had to reverse the full amount. I said fine Why wasnt I told that at the initial conversation. XX/XX/XXXX still no funds applied to my account for {$860.00}. XX/XX/XXXX called Midland to ask about funds stated that since I did the transaction through Bill Payer 3rd party they would have to send the funds there then they would apply to my account. I said what do you mean cant you just reverse the charges, in which they stated no they couldnt and had to send a check to Bill Payer 3rd party. I said fine was their any proof for security reasons a tracking number or how was it mailed? They did not know but would call me and give me more info on that. XX/XX/XXXX spoke to XXXX supv stated that a check for {$860.00} was sent to regular mail through the post office box on file in the name of the 3rd party Bill Payer with no security or certification what so ever. I said how can a bank send out such a large quantity of funds through regular mail with no secured application?? Now XX/XX/XXXX no funds have been applied to my account and now no way to find out where this check is and no payment has made made on my mortgage for XXXX and now late for XXXX. How can this be possible dont they have to by law send out funds with some kind of security measures? I would never send any funds anywhere without some kind of security or certification or proof. They XXXX XXXX has advised me that to wait 20 days if I dont recvd the funds and within 3-5 business days they would issue another check to Bill payer.
08/19/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33470
Web
On or about XXXX XXXX I spoke to a representative at Midland Mortgage and explained that I was experiencing extreme financial difficulty due to a family crisis and would like help with my mortgage payments to avoid late fees and negative credit reporting ( if applicable ). The representative did a financial intake of my current expenses and offered an alternative payment plan where I would pay 1/2 of my XXXX payment and add the balance of the XXXX payment to the XXXX and XXXX payments. I received written confirmation from Midland on XXXX XXXX. The letter stated that on XXXX {$780.00} was due ; XXXX {$1900.00} was due ; and on XXXX XXXX$1900.00} was due. I called on XXXX to pay the agreed upon {$780.00} as agreed. The Midland Mortgage representative and supervisor stated that the agreement was " entered wrong into the system and the system had cancelled the agreement. Therefore the entire mortgage payment was due AND late fees are accrued on the account. '' I payed the entire mortgage payment. However, my concern and complaint lie in the fact that Midland Mortgage clearly did not hold up their end of the agreement, did not attempt to eliminate the late fees and seem to be engaged in practices not conducive to customer satisfaction. At the very least, the late fees should be eliminated. I contacted the mortgage company prior to the payment becoming late and sought assistance from them in advance as the company states on its website and on their recorded phone line. My experience determines that Midland makes false promises and engages in practices that involve unfair practices. We made a verbal agreement and I received written confirmation of our verbal agreement. Midland Mortgage should not be allowed to retract or renege on the agreement. Please help me to eliminate the accrued late fees and investigate Midland Mortgages customer support practices. I will forward the letter to you as verification of my complaint.
05/17/2022 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • VA
  • 23435
Web Servicemember
I am writing to receive assistance in getting my mortgage on track and up-to-date after my forbearance ended. At the time my forbearance period ended, Midland Mortgage purchased my mortgage from XXXX Mortgage in XX/XX/2021. I called Midland at that time and every few weeks since and each time I was told I was in the forbearance process and to please be patient it could take up to 90 days. I was told by Midland that they were trying to get any modification that was being processed by Dovenmeuhle- I told them I didnt think there was any serious attempt for modification by Dovenmeuhle because the loan had been sold. Midland asked me to be patient. I received a letter in XXXX stating Midland was processing my loan modification and Id have something in 10 days. I called and was told that the modification needed to be submitted to the VA for approval, afterwards I was told there was a Mistake by Midland and they needed to resubmit to the VA. I have been sent bills for the entire forbearance amount and Midland continued to ensure me I was in the process and not required to make any payment until a modification is determined. I was asked to submit documents for mortgage assistance a few months back and clarified with Midland that I wasnt applying for mortgage assistance and I wanted a modification per the CARES Act and VA guidelines. Midland told me to disregard any emails requesting assistance documents and everything was proceeding and I have nothing to be concerned about. A week or so ago, I was asked for more documents to apply for mortgage assistance and I must apply to retain my mortgage. I spoke to a manager who said she couldnt figure out what was going on and it didnt make sense and shed get back with me. I have recorded most all phone calls that describe what Ive outlined above. I started recording after a month or so when I was getting a strange feeling and felt like I was getting a run around.
10/28/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 78218
Web
Midland Mortgage has taken so much from many consumers and should not be allowed to get away with THIS!!! THEY ARE THE WORST!! In 2019 I became very ill and we fell behind on our mortgage. We reached out to Midland Mortgage for assistance, which we now regret. Our mortgage contract was sold to Midland Mortgage from XXXX. The only option we were offered was a loan modification. We were placed on a " 3 month trial period '' where they lowered our payment by {$300.00}. This just didnt seem right and was very misleading. They had instructed and promised that this would not be reported to the credit bureau as it was during the trial period and considered as forbearance. We paid as we were asked for the 3 months. After the 3 month trial period we were sent more paper work to sign, I was physically ill and just needed help with catching up on our mortgage. Well, we decided to sale in XXXX of this year, and finding out there is a 2nd lean on the home-HUD. This was overwhelming!! I have never cried so much in my life, feeling we were taken advantage of. I reached out to Midland and HUD and was given the run around regarding how they determine the amount owed to the 2nd lean. The balance we owed to HUD was like a 2nd mortgage over {$90000.00} not counting the {$230000.00} owed to Midland. We continued forward and sold our home but, had to come to the table with a closing cost of {$18000.00}. I had to borrow money from my retirement account so that we could close on the home. We just wanted from under this horrible company. To add insult to injury, we just found out they reported us being 120 days late on our mortgage. Our score dropped about 50 points and has affected us horribly. ALL THIS going on and being sickened with COVID!! We are very disappointed with this company and will not recommend them to anyone. Please put a stop to this company they should not get away with what is taking place. A TOTAL RIP OFF!!!
07/26/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • OK
  • 73099
Web Servicemember
On Saturday XX/XX/2022, I was selling an item on XXXX XXXX when I fell victim to a scam. The scammer pretended to be interested in an item I was selling and asked to pay using XXXX. They got my email and began sending me spoofed emails from who I thought was XXXX. The email stated that the buyer had sent the payment using a business account. As a result, the buyer had to pay an additional fee for the payment to go through. They went on to ask me to upgrade my account and refund the buyer for the supposed upgrade fee. The scam email also pressured me to transfer the funds quickly if I wanted to receive the initial payment. Once I sent the extra funds back, I realized the scammer hadnt sent any money. I immediately called my financial institution, Midfirst Bank, to dispute the charges. I then called XXXX to let them know what happened. I also called my local police department to file a report because the scammer had my address. On XX/XX/XXXX, I went into my local Midfirst and signed the dispute paperwork as well as provided all the documentation from messages between myself and the scammer, all the emails I received, police report, and screenshots of all transactions. The same day, {$400.00} was placed into my account by Midfirst Bank. On XX/XX/XXXX the funds were removed back out of my account without any notice from the bank. I called on XX/XX/XXXX and spoke to a representative named XXXX to let him know that I would be filling this report with the CFPB due to their resistance of refunding these scam payments. He let me know I may or may not be reached out to by someone in the consumer complaint tracking service, but when asked for a number to their department and when I could expect to be reached out to he refused to answer. I believe I should be refunded the {$400.00} due to being a victim of a scam on an app they host and own as well as providing all the documentation that shows it was a scam.
11/24/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IN
  • 46052
Web
Please reference complaints XXXX and XXXX. Midland Mortgage is retaliating against me for filing these complaints. They deleted all my information from the first mortgage assistance application ( attached proof everything was submitted on website ). XXXX at Midland Mortgage 's lost mitigation department called me on XX/XX/2021 @ XXXX p.m. and wanted to do everything verbally over the phone. I am not sure another application is needed for a XXXX-day review to extend payment delays as I will explain the house is sold. They are being very crooked about all this. I also spoke with XXXX XXXX at Midland ( XXXX ) at length on XXXX and he was having my house de-winterized by XXXX properties. Midland assumed the house was vacant because I moved to a new job in Indiana but I do go home to my house quite a bit on weekends and Holidays ; it has never been vacant, abandoned, or unoccupied. He explained that XXXX may be outside taking pictures to ensure someone was there but I am not under house arrest by the bank and they do not have a right telling me how often I have to be there and I do not have no court order where I have to report to the bank when I come and go in my own home. There is more than enough proof that has been submitted to show I am still occupying and in control of my house. They had no right going in and changing the locks without my knowing or consent. The house has been sold. I sent the purchase agreement several times to Midland Mortgage. That was the only other document they were requesting for the mortgage assistance plan process. The buyer 's inspection is complete and all we are waiting for is appraisal ( scheduled ) and then closing on or before XX/XX/XXXX. I am submitting these complaints in hopes of preventing Midland Mortgage and XXXX Properties from stealing my house before the sale is complete. This mortgage company is breaking a lot of laws and violating my rights.
10/06/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • FL
  • 324XX
Web
I have tried multiple times to contact the Hud office as well as the county offices that are supposed to help with dealing with mortgage companies. I was not offered a fair partial claim as I was told by the FHA lady when I spoke to them about the issues of this company trying to take over my mortgage and stating I owed more than I owed my original lender. Also I was told I must pay the XXXX for the partial claim in XXXX. The mortgager states I am 659 days past due which is not true. I was in forbearance until XX/XX/2022. I was not offered the 25 % deduction, or offered for the partial claim to be added to end of my loan. They were trying to say it was for XXXX when I only ever had a mortgage for XXXX with XXXX XXXX. This all violates my rights via the American Rescue Plan and the Cares Act. They are violating my rights as an American citizen. I never was served any foreclosure documents, I was not signing a partial claim that violates my rights. I alerted the company in XX/XX/2022 via XXXX XXXX and the credit bureau that I had been accepted and eligible for the Home Owners Assistance Fund. I have paperwork stating different things and different information on each. I just want my mortgage to offer what I am supposed to be offered via American Rescue Plan. I do not have a phone to contact the company themselves. I have tried to reach them on the website but they have shut down that possibility as well stating I need to call them. They do not offer a way to email them. They are trying to violate my rights as well as steal my home from me. I was never offered what I was supposed to be offered. I did not have {$13000.00} because I paid {$17000.00} when buying my home. This amount was to be added to the end of my loan, as well as the numbers they have tried charging me were all incorrect. I was accepted by the HAF program and eligible but yet they do not want that to happen.
01/12/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 08618
Web
I recently filed a complaint about XXXX XXXX XXXX a Division of MidFirst Bank on XX/XX/2017 through the Office of the Comptroller of the Currency. My issue was that they would not release funds for me to rebuild my home after a category three sewage problem damaged my home on X/XX/2017. Finally in XX/XX/XXXX after I submitted my complaint they began to release the first payment. The problem with that, was they sent the check in the name of the Contractors buisness and I was not able to prevent any fraudulent action or actions from taking place. I did not know if the Contractor would take my money and run!!! When I addressed my concerns to XXXX XXXX XXXX, they said that only the first check would be in the Contractors name the rest would come directly to me so that I would be able to dispense the money as needed. After the work began and I needed more money for materials, XXXX XXXX XXXX said that they needed an inspection of the property. The inspector came and did his job and submitted his findings, which were satisfactory to XXXX XXXX XXXX. As it stands I expressed my concerns about allowing someone to control my funds to rebuild my property!!!! The Mortgage Company insist this is how it will be done until the Contractor states that he is finished with the property. I feel as though the Mortgage Company is committing an Nefarious Act against me, this is my home and it is in my name and I still pay a mortgage on this property. I have no say in anything as far as the Mortgage Company is concerned ... .it is not fair and truly unjust. In today 's society we have to constantly stay aware of those we believe we can trust. It took my life to own my home and I am not willing to allow someone to take it all away from me because of an Nefarious Act that is being committed against me. Respectfully Submitted I would truly appreciate your help concerning this matter!!!!!! Thank You
12/09/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • OH
  • 441XX
Web
During a serious hardship, I was misplaced from my home due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The mortgage is in my name only, so I had to pay my mortgage by myself, while I stayed at extended stay hotels, additional expenses, until the divorce was finalized, then I could return home. Due to my ex not paying any marital debt, I had to pay all the bills. I needed help financially, I contacted the mortgage company for forbearance assistance, I was told not to worry that there would be assistance, instead I was given a 6mo repayment plan, much higher than the original payment amount, no other options and was forced to repay starting the following month. I agreed to the terms and paid accordingly, after the forbearance was paid off, I was hit with a 2 months late credit hit of XXXX XXXX and I had no idea that would occur. As well, I was told that I owed additional escrow since the repayment agreement plan amount of {$1300.00} ( started in XX/XX/2022 ) occurred before the escrow was completed in XXXX, which was added to that payment and the subsequent. So I dont understand how I still owe as much as {$340.00}, but there was no awareness until after the forbearance was paid off and they are still holding my mortgage payment, saying theres only a credit of {$740.00} which has not been applied, and I paid the amount due of {$1000.00} as the normal mortgage payment starting in XX/XX/2022. Not until that payment was made, did I get charged with escrow XXXX, taken from my mortgage payment, causing my account to appear a month behind, this practice is not fair to the consumer, paying the late fees is better than penalizing good paying customers for years, when they are already trying to avoid foreclosure and stay in good standing, I dont understand how that benefits the company to hurt its consumer financially by hitting their credit score.
08/17/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • 080XX
Web Servicemember
Midland Mortgage was sent a payment by wire transfer of XXXX on XX/XX/2022 for XX/XX/2022 payment to cover check that was returned due to having fraud on bank account. I contacted Midland to confirm receipt on XX/XX/2022 and was told it was received and applied. After the XXXX of XXXX I received notice payment was not received which prompted immediate contact to XXXX to find payment. Every department I was connected to couldnt give correct information, this continued from XX/XX/2022 to date XX/XX/2022 contacting their, customer service department, XXXX XXXX department, XXXX department, XXXX department, XXXX times weekly I made multiple attempts to rectify the issue with no resolve and being told XXXX receive a call the end of the week or to call back. I continued to make on time payments which are being posted as late payments leaving the account delinquent. I provided Midland Mortgage with copies of successful and received payments to Midland Mortgage from my bank. Ive wrote the Vice President of Midland Mortgage a complaint, I put in an additional request once uncovering that the payment was in error being split between unapplied funds and escrow notifying them they made an error and it needed to be reversed, I called back for XXXX weeks the request hadnt been processed, I called back the XXXX week only to be told the request was completed however that was false information and the account wasnt bought current, with no justification as to why and wanted to resubmit another request after asking numerous times to speak to a supervisor I was placed on hold for over an hour by XXXX, then spoke to XXXX ( XXXX ) who identified herself as a supervisor who stated I have no idea why this wasnt complete properly, I would need to do some research, and have someone contact you by Friday XX/XX/2022, I replied XXXX contacting the CFPB this has gone on long enough.
05/23/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 11550
Web
on XXXX XXXX I took out a mortgage loan with XXXX XXXX XXXX XXXX XXXX for the amount of {$300000.00}. I was promised a low interest rate and low monthly payments, as advertised. The lender did not fulfill its promise ; the mortgage monthly payment and interest rates were higher than promised and it only kept increasing. I defaulted on my mortgage because I could not keep up with the increasing mortgage payments and inflating interest rates. On XX/XX/XXXX, there was an assignment of mortgage filed with XXXX County Clerk 's office. The assignment of mortgage assigned the mortgage from XXXX XXXXXXXX XXXX XXXX XXXX XXXX as a nominee for XXXXXXXX XXXX XXXX, a New York Corporation to XXXX XXXX XXXX XXXX XXXX XXXX as trustee on behalf of holders of XXXX XXXX XXXX Pass-Through Certificates, XXXX XXXX. The assignment of mortgage has the date of mortgage as XX/XX/XXXX in the amount of {$350000.00}. How is that possible when I purchased my house on XX/XX/XXXX in the amount of {$300000.00}? On XX/XX/XXXX XXXX started an action against me in the amount of {$350000.00}. How is that even possible when I had paid well over {$91000.00}. I have tried fixing the problem several time. Every time I submit a loan mod it either take a long time for them to process or I am always getting denied. I am a victim of the housing crisis and I feel that there is a fraudulent element to what is happening to my mortgage loan. I filed for bankruptcy in XX/XX/XXXX and wanted to submit a loan modification once the bankruptcy was discharged. So I had my attorney 's office try to get a modification package from the banks attorney. My attorney 's office has been trying to obtain a loan modification package from the banks attorney since XX/XX/XXXX, they didn't get a response bank until XX/XX/XXXX. That was almost a month that went by and their office never got back to my attorney.
05/29/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • AZ
  • 85396
Web
Last year our mortgage was sold to Midland Mortgage ( not our choice ). At some point we asked them about their assistance program to see if we could lower our monthly payments. They recommended we do a 3 month trial period where we pay a smaller mortgage ( was literally only {$200.00} less a month than we normally paid ) and at the end of this trial they would send us new terms to look over. Well NEVER did they mention to us that A ) this would be a HUD loan they would be trying to get us to do and B ) that this would affect our credit score. Obviously once this " trial period '' was over, we declined the new terms and said we were not comfortable doing a HUD loan. At this point we just had to pay the {$600.00} total that we were not paying during the 3 month trial to make the trial period over and we would go back to our normal terms. They ended up reporting to the credit bureau that during those 3 months we were delinquent. I have statements showing they requested a {$200.00} less a month payment and we paid what they requested. NEVER did they tell us ( not even AFTER we told them we did not want to proceed with the new terms after the trial period ) that this would affect our credit. I have called the company MULTIPLE times and talking to their customer service is HORRIBLE. They are rude, know nothing, and do not offer to help at all. Apparently there are no bosses or managers at their company when you ask to speak to someone above the customer service rep. I will at this point be fighting it on my actual credit score. We have had 5 different mortgage companies in the last 3 years due to our mortgage getting sold. Midland Mortgage is by far the worst company. I have never gone online and written a bad review about a company before until now. I would never give this company a dime of your money. They will take advantage of you.
01/12/2024 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Trying to communicate with the company to fix an issue while managing or servicing your loan
  • GA
  • 30294
Web
On XX/XX/XXXX I closed on a Mortgage with XXXX XXXX. After being transferred between 3 different lenders XXXX XXXX, XXXX XXXX and Midland Mortgage I put in a request to Midland Mortgage for my original loan documents. I realized that I didn't have full understanding nor was I given full disclosure, explanations, documentation and legal requirements by law on how this process actually works from said lenders via mail. After receiving the requested documents on XX/XX/XXXX I noticed alterations and discrepancies in the documents. Alterations and discrepancies : I noticed a gap in the chain of ownership that the 3rd current lender Midland Mortgage is shown on the note insinuating they were present during the original closing date. This Signing of the promissory note took place without all parties involved being present. My second Lender XXXX XXXX XXXX was never mentioned on the promissory note as the next 2nd owner. These alterations and discrepancies raised my concern on the validity of the Ownership and servicing responsibilities carried out by Midland Mortgage. On XX/XX/XXXX i sent a certified letter ( qualified written request with a debt validation ) requesting proof of ownership, from date of original closing up to current, servicing contracts and judgments validating the servicing responsibilities and legal standing of all companies involved, a Validation of the debt owed to Midfirst bank serviced by Midland Mortgage. My overall complaint is that Midland Mortgage has not replied to the QWR and Debt Validation letter that was sent on XX/XX/XXXX. Midland Mortgage failed to show proof of legal standing, proof of ownership, proof of claim, judgements, and any other documents to validate their right to collect. Thus Far Midland Mortgage is continuing to collect without proper documentation to support their claims.
09/11/2020 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Company closed your account
  • MD
  • XXXXX
Web
I HAVE FILED NUMEROUS WRITTEN COMPLAINTS AGAINST YOUR CONSUMER FINANCIAL PROTECTION BUREAU AND ITS REPEATED REFUSALS TO PROTECT THE CONSUMERS. CONGRESS NEEDS TO IMMEDIATELY DE-FUND THE CONSUMER FINANCIAL PROTECTION BUREAU DUE TO ITS REPEATED INABILITIES AND REPEATED REFUSALS TO PROTECT THE CONSUMER.THIS COMPLAINT IS RELATED TO THE ONE THAT MY BROTHER, ATTORNEY XXXX XXXX HAD PREVIOUSLY FILED WITH YOUR NON PERFORMING CFPB. ON OR ABOUT, XX/XX/XXXX MY BROTHER, ATTORNEY XXXX XXXX HAD OPENED UP AN ONLINE SAVINGS ACCOUNT WITH YOUR VIO ONLINE BANK DBA MID FIRST BANK XXXX XXXX XXXX, OKLAHOMA. ALL OF THE MONEY THAT WAS DEPOSITED INTO THIS VIO ONLINE BANK ACCOUNT BELONGS TO MY BROTHER, ATTORNEY XXXX XXXX. I, XXXX XXXX HAD RECEIVED A LETTER FROM YOUR VIO ONLINE BANK THAT STATED THAT THE VIO ONLINE BANK HAD THE RIGHT TO CLOSE MY ACCOUNT. THE LETTER HAD ALSO STATED THAT ALL OF MY MONEY WOULD BE MAILED TO ME IN A CHECK ON XX/XX/XXXX. IT IS NOW ALMOST XX/XX/XXXX AND I HAVE NOT RECEIVED MY MONEY. A VIO BANK 'S SPOKESPERSON KNOWN AS " XXXX, LAST NAME UNKNOWN '' HAD REPEATEDLY STATED TO ME THAT MY MONEY WAS RETURNED BACK TO XXXX THROUGH AN AUTOMATIC CLEARING HOUSE ( ACH ) TRANSACTION. HOWEVER, XXXX HAD REPEATEDLY STATED TO ME THAT THERE IS ABSOLUTELY NO HISTORY OF VIO BANK AND/OR MID FIRST BANK ATTEMPTING TO RETURN ALL OF MY MONEY. FURTHERMORE, THE XXXX ACCOUNT THAT WAS PREVIOUSLY LINKED TO MY WRONGFULLY CLOSE VIO ONLINE BANK ACCOUNT IS NOW CLOSED. I, XXXX XXXX AM DEMANDINFG ALL OF MY MONEY BACK PLUS ACCRUED INTEREST MADE PAYABLE UP TO THE DATE THAT I HAVE ACTUALLY RECEIVED MY VIO BANK 'S PAPER CHECK/CASHIER CHECK THAT ACCURATELY AND CLEARLY SHOWS A PAYMENT AMOUNT OF ALL OF THE MONEY THAT WAS DEPOSITED IN THIS NOW CLOSE ACCOUNT PLUS ALL INTERESTS UP TO THE DATE THAT I, XXXX XXXX HAD ACTUALLY RECEIVED THE PAPER CHECK/CASHIER CHECK.
08/25/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • LA
  • 70072
Web Servicemember
A few years ago something happened to make my mortgage goes into the delinquent status sso I called the mortgage company and they explained to me that I had missed a note two years ago so I brought the note current and they came back three years later and did the same thing which caused me to go into a foreclosed I know I had missed a note because I kept very good track of the payments after that the mortgage company did not want to hear what I have to say I've wrote letters and complain it an asked them to correct the matter they didn't prolong the issue until there was not enough time to correct the matter I had to file bankruptcy to save my home after showing them that I had not missed not one payment that still didn't matter being that I have the FHA 's very strict contract they disregarded all of the guidelines legal statutes and laws in my FHA contract through the FHA contract they found they could not foreclose on the book only put me through a forbearance plan and they had to get permission from the Bar Association to consist however I brought my long comment begin did everything that was asked of me through the forbearance plan and completed it and gain some interest back that was not replied to my principle about a long XXXX XXXX dollars that went into overpayment to bring my loan and reinstate my insurance however that didn, t happened I have spent money and time to fake foreclosure and now I am on a fourth fake foreclosure and I know and have record that I never mixed not on payment so I havenever should have been either foreclosed and look like to get rid of this one I'm going to have to file bankruptcy again mid First Bank is repeatedly committing bank fraud in predatory lending insurance fraud and breach of contract not to mention the sentence of 15 years of emotional distress and mentally anguish
08/22/2017 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • FL
  • 344XX
Web Servicemember
I wish to submit a written complaint against Midland Mortgage for reporting errors of late payments for the months of XXXX XXXX, XXXX XXXX and XXXX XXXX. These errors are keeping me from getting a loan on a house in Florida and the loan for the home on XXXX, Texas will close and the loan paid off in full on XXXX/XXXX/XXXX. I have submitted written requests and verbally addressed the accurate reporting of loan payment activity to Midland Mortgage to correct payment activity. I have also followed up with the President of the company and have not received any corrections reported to the 3 lead credit bureau agencies. Midland Mortgage XXXX XXXX XXXX XXXX, OK XXXX XXXX It is my understanding under the fair debt collection act enforced by the FTC, that I have the right to have payments that I have made applied to the particular debt that I indicate. As a debt collector Midland Mortgage is prohibited from unfair practices, under the Fair Credit Reporting Act, enforced by the FTC. I am entitled to have erroneous information on my credit report corrected. I have filed a complaint with the Department of Veterans Affairs and the XXXX Department of Housing and Community Affairs for assistance. I did my due diligence and submitted requests in writing to have payments applied to the months that I specified. As a XXXX Veteran, I was discriminated against and denied my right, by a Midland Mortgage representative, which he declined my request to revise accurate credit reporting. The loan information has been requested to reflect as follows, account number is XXXX. XXXX XXXX payment onXX/XX/XXXX XXXX XXXX payment on XX/XX/XXXX XXXX XXXX payment on XX/XX/XXXXXXXX XXXX XXXX payment on XX/XX/XXXX XXXX XXXX payment onXX/XX/XXXX Your prompt assistance to address this filed complaint and credit reporting correction is requested.
09/20/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Opening an account
  • Account opened without my consent or knowledge
  • WY
  • XXXXX
Web Older American
On XX/XX/23 {$11000.00} was transferred from my checking account at XXXX XXXX to an account that was opened using my identity ( name, SSN, DOB ). I had no knowledge of this account. I filed a fraud claim with XXXX XXXX and Midfirst Bank/Vio bank denied the claim, as they stated it was authorized. It was not authorized. I have spent the last 3 months trying to get my {$11000.00} back. XXXX XXXX claims Midfirst bank is responsible for returning the money, and Midfirst Bank claims XXXXXXXX XXXX is responsible. I spoke to customer service at Midfirst bank on XXXX was told this is being investigated, red flags were raised, it was unusual and someone from the fraud department would contact me. They could not give me the account number. I was told there was a good chance I would get my money back. No one contacted me. I called Midfirst back on XX/XX/23 and was told XXXXXXXX XXXX filed the claim incorrectly, as this is identity theft. They also informed me the account in my name had been closed. I called XXXX XXXX and they told me they submitted a new claim on XX/XX/23. I did not hear back from either bank and each bank told me to call the other bank. XXXX XXXX stated the identity theft claim should have been initiated by Midfirst bank, and they are responsible for refunding my money. Midfirst Bank stated that they did not receive the claim that was submitted on XX/XX/23. ( I received a letter of confirmation from XXXX XXXX of electronic fraud ) They also stated that the claim was submitted incorrectly, and more than 60 days had passed, so they do not have to refund my money. They stated that had the claim been submitted correctly, they would have to refund the money. Midfirst bank opened an account in my name and did not properly identify the person who opened this account, and they should refund my money.
03/26/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 60628
Web
I was previously delinquent on my mortgage with XXXX XXXX mortgage company. I entered a loan modification agreement with XXXX XXXX and made all 4 on-time trial payments from XX/XX/XXXX to 1XX/XX/XXXX. I made an on-time payment in XX/XX/XXXX as well. On XX/XX/XXXX the mortgage servicer was changed to Midland Mortgage and I have continued making on-time payments to Midland Mortgage. I have called Midland Mortgage each month to make a payment and ask them if they have my loan modification paperwork. Midland says that they have received my payments and that they have not yet processed my loan modification paperwork. It has been over 60 days since Midland Mortgage has begun servicing my mortgage. The current Midland Mortgage Statement says that the amount due as of XX/XX/XXXX is {$8600.00}. There are {$6700.00} in overdue payments and {$730.00} in fees and charges. My loan modification says that my monthly payment should be {$750.00} principal and interest as of XX/XX/XXXX. The principal and interest on the Midland Mortgage statement shows {$860.00} which is {$100.00} than I should be charged. I am paying what they ask because I don't want them to take my house. I am also concerned about delinquent payments showing on my statement when I should be starting fresh with only my agreed loan modification payments on my statement and no late fees or previous past due payments. I would like to complain against both Midland Mortgage and XXXX XXXX and request that this situation be fixed immediately. I kept all documentation which includes the current Midland Mortgage Statement, a payment history from XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, a good-bye letter from XXXX XXXX showing that the servicer changed to Midland Mortgage on XX/XX/XXXX and the signed & notarized loan modification agreement.
02/25/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • XXXXX
Web Servicemember
I reached out to Midland Mortgage in XXXX of XXXX after I was laid off from work XX/XX/XXXX. I was able to pay the modified payment of XXXX for XXXX but explained and asked if there was any assistance to help me. I was informed to submit an application, hardship documentation, and proof of income or lack thereof to verify my status. I began submitting information in XXXX and Midland Mortgage finally responded XX/XX/XXXX stating they need the hardship affidavit and proof of income. I submitted the information XX/XX/XXXX and received no further communication until today XX/XX/XXXX after receiving messages that I needed to contact them to avoid further collection activities. I spoke with XXXX agent XXXX, who proceeded to inform me that they had received my information but had closed my application. I asked why and she stated because they hadn't processed it and didn't know what I wanted done with it. I explained the situation and she said they could offer the Corona virus plan but that it would take my payment up to {$1500.00} based upon the interest rate. I asked what the current interest rate was, and she stated she didn't know and that I could XXXX it. She also stated that while they received my documentation I could either go the traditional route and qualify or take what she was offering and my payment would be {$1500.00} or higher, maybe lower but that if I took what she was offering, no further documents would be needed. They have had my information and knew I was struggling but wouldn't do anything with it. I thought the purpose behind a modification was to lower the payment so that people can keep their homes, not continuously raising the payment and even lowering the interest rate. How is it possible to lower my interest rate and my payment increase? This doesn't make sense.
11/19/2021 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • CT
  • 06410
Web
We are trying to close on this property ( we are the sellers ) and suffered a loss due to theft of copper pipes, appliances, and damage to doors and floors. We jumped through every hoop set forth by Midland including the contractor choice being influenced by them in order to get the check endorsed by them and expedited back to us. We got them the insurance check on this Tuesday morning ( the XXXX ). The person we spoke with on Tuesday or Wednesday indicated Midland had everything they needed to get the check endorsed and sent back to us overnight per our request. The contractor will not start work until they are paid in full because the bulk of the bid is for materials and appliances. Now we are being told that they are treating this case per their delinquent mortgage process because they have us listed as and reported as delinquent under the CARES Act COVID forbearance we signed up for. They state this is because we were delinquent as of XX/XX/20 even though we brought the loan current by way of a permanent XXXX after XX/XX/20. We requested the CARES Act COVID forbearance as of XX/XX/20. As a result of their misinterpretation of the CARES Act, they are reporting us as late and will only release the insurance proceeds in stages, which our contractor will not accept and will not perform any work on or purchase materials for the property until they receive all the funds. This is putting us at a disadvantage because Midland and its fraudulent practices are keeping us financially beholden to them and preventing us the means to pay this mortgage loan off in full. Our buyer might back out if the closing is pushed out again. The only thing holding up payment of the mortgage loan in full is Midland itself. Failure to pay this loan off is also harming HUD as this is an FHA loan.
11/24/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MI
  • 48038
Web Servicemember
On XX/XX/XXXX, Midland Mortgage Co. Issued me pay off excess check in the sum of {$1300.00}. I notified Midland Mortgage Co. That I did not receive the check nor was it cashed I was told that I could not receive a replacement check by Midland Mortgage Co. representatives. My claim was made well within a 5-year period requried by federal law. I have contacted Midland concerning this matter consistently throughout the years. The retention of a copy of this check was verified as recently as XX/XX/XXXX when I spoke with Midland Mortgage Co personal concerning this matter supervisor XXXX XXXX was made aware of the conversation. My wife found the misplaced check which was never cashed, and she contacted Midland Mortgage Co. in an attempt to resolve the issue. Mrs. XXXX presented check numbers and other identifying information to Midland Mortgage Co in hope that this would assist in resolving the matter. She was rudely laughed at by a Midland Mortgage Co. representative and told the company would not issue another check which constitutes criminal theft. I have formally contacted multiple departments via mail and fax at Midland Mortgage Co. on numerous occasions. In a call that occurred in XX/XX/XXXX a customer service representative confirmed she could in fact see record of the check for {$1300.00}. The representative stated she saw no signs of the check amount in the unclaimed funds account of Midland Mortgage Co. In response, I stated that you also should be able to verify that the check was not cashed, and she agreed. I have kept detailed written transcripts of conversations with Midland Mortgage Co. concerning this matter as well as the physical check copy. I am prepared to pursue legal action if the company will not respect my attempts to resolve this matter amicably.
07/17/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • WY
  • 827XX
Web
To whom it may concern, We are contacting you, with the hopes that you will assist us in resolving a very unfortunate matter that has happened between us and our lender, Midland Mortgage. As a result of a medical hardship and defaulting on our mortgage, back in XXXX of 2017, we applied for mortgage assistance with Midland on XX/XX/XXXX . We heard NOTHING from them, until XX/XX/XXXX when I received a denial letter.. with no explanation. When I called Midland, I was told that our home had been sold on XX/XX/XXXX . On XX/XX/XXXX I received a letter stating I still had time to save my house. I received NO Notification of Sale, I also never received Notice of Publication and when I looked on my own, I only found 2 publications. the requirement is publication, being 4 weeks in Wyoming. When we spoke to Midland on XX/XX/XXXX , we told them that the sale of the house must have been done illegally - and they hung up on us. We called back on XX/XX/XXXX and when we brought up the improperness of the sale, Midland hung up on us a SECOND TIME. To complicate matters even more - this sale was conducted in XXXX XXXX County. We live in XXXX XXXX . I 'm not an attorney, but I do believe that makes the sale null and void. They are currently being represented by XXXX and XXXX and we are getting little to no cooperation from them either - they have hung up on us, when we called on XX/XX/XXXX for information. This complaint is being filed, not only with the Consumer Financial Protection Bureau, but with the Consumer Complaints division of the Wyoming Attorney General 's office. Please contact us immediately, so that we may resolve this matter and go back to the table in good faith negotiation with Midland Mortgage. Sincerely, XXXX XXXX XXXX XXXX
04/04/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MN
  • 55076
Web
- Account holder passed on XX/XX/XXXX - I was nominated as personal rep of the estate via the court approved will and a letters testamentary effective XX/XX/XXXX - At the time I was named personal rep of the estate, account was held by XXXX XXXX - Provided documentation showing me as personal rep to XXXX XXXX and was added to account - XXXX XXXX mortgage service transferred to XXXX XXXX from XXXX XXXX. I continued to receive mortgage statements each month since transfer occurred. - XX/XX/XXXX - received tax statements from XXXX Mortgage - XX/XX/XXXX - Filed final accounting for estate with court ( estate funds on freeze until approved by court through hearing meaning I was not able to make payments ) - XX/XX/XXXX - XX/XX/XXXX - Received multiple calls and made numerous calls to XXXX XXXX to regarding delinquency and updating on status of estate. No issues at these times. - XX/XX/XXXX- XXXX approved closing estate to fund trust. Informed XXXX and had no issues accessing account at this time. - XX/XX/XXXX -received email and phone call from XXXX XXXX Called back to provide an update that trust has been funded and delinquent amounts will be paid in the next couple of days and was informed I am not authorized on account. A couple of issues to be addressed : 1 ) If I am not authorized to provide updates on the account, why would they be sending me monthly statements and tax documents or calling me about delinquency? This is a huge concern with their servicing process. 2 ) I provided all documentation showing court approval prior to account being transferred to a new servicer. Servicers should be transferring this information between one and another - this should not be left on the consumer to re-complete work because of flaws in an internal process.
07/07/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • IL
  • 625XX
Web
We had a house fire in XXXX 2015 and have been making repairs to the home in order to move back in. Over the course of the repairs all money from the insurance company was required to be submitted to Midland Mortgage then dispersed to us as repairs were made. Along the process they required arbitrary inspections to determine the amount of our insurance money we were entitled to. At one point they declared us at XXXX % complete, then shortly after decided we were actually at XXXX %. Now we are towards the end and need the final funds to complete our repairs and get back into our home. The most recent inspection stated the house was XXXX % complete. At this point, we have used all of our available cash and maxed out XXXX credit cards to purchase building materials because of delays caused by Midland. In addition, we are paying {$1000.00} per month rent as well as utilities on XXXX houses. Midland refuses to release us from the requirement of the insurance money going to them first even though XXXX XXXX of Midland stated once it got to XXXX % complete they would release us. They are now stating the house needs interior doors, landscaping and carpet in XXXX bedrooms. They claim this is XXXX % of a $ XXXX claim. We have approximately XXXX due to us from the insurance company that would allow us to complete the house and move in this month yet they refuse to release us. It is my belief they are attempting to force my mortgage into default and seize my home. As of now we owe approximately XXXX on the home and once complete it should appraise for approximately XXXX, incomplete it should be worth considerably more than my mortgage balance, meaning their collateral is secure and they should be working with me to get me back into my home and my home completed.
10/24/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • AZ
  • 857XX
Web Older American
A couple of months ago or so I called Midfirst Bank of Oklahoma to inquire about opening a new checking account that offers a {$300.00} cash bonus for doing so. I talked to a XXXX and we went over the eligibility thoroughly a couple of times. She told me I could be eligible for all of this by applying online from XXXX, Arizona even though there are no Midfirst banks in this area. The closest one is in XXXX, Arizona, which is one hundred miles away. She assured me that I don't have to go into a branch to apply and get the bonus. I have applied several times over the time frame I mentioned above and I get a message stating the application can't be processed. It said nothing about being denied or approved. Their online banking department told me it could be a system issue on their end and to try to apply later, which I did. They never told me I was being denied, but that it may be a technical problem according to the message after submitting the application. I talked to several online banking employees and customer service representatives who told me the same thing and they didn't know what was going on. Then on XX/XX/XXXX or XXXX, XXXX, { I can't remember the exact date } after applying one last time and failed, I called them again and now they are telling me I must go into the branch to apply and it maybe a denial. I don't have a vehicle to drive one hundred miles to the branch and I take the city bus. This is not fair to get my hopes up and then have no option to help me from XXXX, especially during this virus situation where some bisnesses tell you they are there to help. And I could use the money since I only get about {$800.00} a month for Social Security. Thank you for anything you can do. Sincerely, XXXX XXXX XXXX XXXX XXXX }.
03/15/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • OK
  • 748XX
Web
I have been experiencing an unusually high rate of insufficient fees with MidFirst Bank in Oklahoma. I do acknowledge that I will be low on fund at times and utilize the overdraft protection service, however, when I began to closely monitor my account, I noticed a pattern that my debits were/are being rearranged in a way where it appears MidFirst could charge additional insufficient fees. When inquiring about this often, various representatives understood and reversed some of the insufficient charges ; others, like one this morning, was adamant the fault was my own. I have heard several different excuses from representatives : " it's out of the bank 's hands when a charge will go through '', " it's on the merchants when the charge will go through '', and " it can be confusing how the charges reflect and how the debits rearrange ''. Further, I had been told for years, since opening my account in XXXX, that if a deposit was made within 24 hours of a debit, no insufficient fee would occur. When I was charged a fee for a debit that incurred less than 24 hours before a deposit, the representative stated she'd never heard of that before. The rules, procedure and communication should be crystal clear and not waffle from week to week. I also found that in XX/XX/XXXX, without any notice at all, the MidFirst bank rate for insufficient fees went from {$32.00} to {$34.00}. Nothing should be confusing about my money being deducted out of my account. For this reason, I feel like MidFirst has unnecessarily taken hundreds of dollars in insufficient fees from my account. I will be transferring my funds to another bank soon, but wanted to advise the CFPB of what appears to be deceptive practices by MidFirst and/or its employees. Thank you,
07/24/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • GA
  • 30045
Web
In XXXX I filed for mortgage assistance and received paperwork that would change my mortgage payment to XXXX per month and HUD would cover portion of the claim. At the time I was over {$6000.00} past due. Due to some serious personal issues, I failed to return the paperwork by the due date but faxed the information back anyways. I received a denial letter dated XX/XX/XXXX stating they were unable to offer me mortgage assistance because the signed documents were not returned. I proceeded to file again and was offered a way worse option. I was informed that my payments would increase to XXXX, my loan would be refinanced with a higher interest rate. When I purchased my home in XXXX of XXXX, I had a fixed rate of XXXX. The new terms changed my rate to XXXX and changed my maturity date from XX/XX/XXXX to XXXX/XXXX/XXXX. If I was unable to make the previous payment, why refinance my loan with a higher interest rate, payment, and increase my maturity date. I filed the modification to help me reduce payments and I want to keep my home. I had a relationship that resolved that left me with a huge debt, in household income and XXXX children to take care of. I also had XXXX children that caught XXXX, digital learning had begun and bills begun to pile up. If HUD was willing to provide the previous offer, why was I not allowed to be offered the same offer of XXXX when I reapplied for the modification? I went online to view my documents related to all of my modifications and was unable to see any of the documents that were sent out to me or the documents that I sent in. I was forced to accept these terms due to me not wanting to lose my home and be homeless with XXXX kids. I think that the actions taken against me was unfair.
09/07/2022 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • DE
  • 19720
Web
I contacted Midland Mortgage company in XXXX for a payoff statement, when I received the statement I had questions about some of the charges listed on the statement. the charges was over XXXX XXXX dollars with no line item description on what the charges was for. I called and spoke to a representative that told me they will get back to me with the information. After waiting a week, I called back and was told, they could not provide me with the information in the time they told me and transferred me to another department that could help me. The lady I spoke with said she do not understand why I was told they couldn't help me or provide me with the information because it is possible but it would take 24 hours. It has been 3 weeks and I have not been contact by anyone from the mortgage company. I even wrote an email to the Vice President on XX/XX/2022. My complaint was they claim they charged me {$20.00} every time they could not verify occupancy. They claim the charge is because they had to send someone to my house over 83 times. I told them at no time did anyone come to my home to ask me o my XXXX children if I was home or occupying the home. During the years of XXXX and XXXX I was working from home so I know for sure that no one never came to my home. I was asking them to refund me my money and no one never go back to me. All I want is my money back for those charges and other charges that they can not explain that was listed on my payoff statement and was paid during the sell of the home on XX/XX/2022 I will be attaching the payoff statement and the charges in question is described as fees currently assessed. These at supposed to be several different charges that they can not explain and will not explain.
07/14/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33914
Web Older American, Servicemember
On XX/XX/XXXX, Hurricane Irma damaged my town, in Southwest Florida. It resulted in me losing my job. I was unemployed a few months. I fell behind. They allowed me to do a repayment plan. They waited for 3 months after the disaster to report payment history on customers ( XX/XX/XXXX ). From that point forward they reported me late at 120+ days even though I was paying. My issue isn't that though! I was grateful for this assistance. My issue is that I am now paid up to date and they said they will not report it to the credit bureau because I am in a disaster zone. Well, that " benefit '' has been lifted for over 6 months now! They reported me badly all during those repayment months and now that I am completely up to date ( I have XX/XX/XXXX paid as well ), they will not report me current. It shows I haven't paid since XXXX. The disaster excuse is completely an excuse and a lie. When I review the payment history on their website, they take my payments and put them in an " Unapplied Funds '' account. I keep asking that they to not do that, and to pay my mortgage. They claim they are considering it payment for mortgage. There is a major clerical error going on and it's not only hurting me, it's hurting my mother 's credit who co-signed for my mortgage. She is moving into a community that does credit checks. Her credit is in the 500 's because of this! Why are they punishing hurricane victims this way? I made no claims against my insurance policy. I never have! Not reporting on bad credit scenarios is one thing. But those hat are paying should not be punished this way! I am very concerned that if they have this many errors going on, I will likely be file lis pendens upon, and be in a foreclosure status soon.
08/01/2022 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Banking errors
  • VA
  • 22204
Web
XXXX ( recently rebranded as MidFirst ) illegally withheld interest earned in my checking account. On XX/XX/XXXX, I called to close my XXXX account. The representative informed me that although I had brought my balance to zero, my account had earned interest that had not yet posted. She asked whether I wanted to forfeit that interest by closing the account before the interest posted. I said no, I did not want to forfeit the interest, so I would wait to close the account until after the interest posted. I asked when the interest would post. She said early XXXX. I told her I would wait until the interest posted, then call back in XXXX to close my account. My bank statement dated XX/XX/XXXX accurately states that I had " interest earned '' on my account. But that interest had not yet posted. On XX/XX/XXXX, I called to ask when that interest would post. A representative named " XXXX '' claimed that I had forfeited that interest by closing my account. I said no, I had neither forfeited the interest nor closed my account, as evidenced by the XX/XX/XXXX recorded call. He said XXXX had closed my account. I asked when XXXX would send me the interest earned, as other banks do after an account is closed. He argued with me and interrupted me repeatedly, and finally agreed to submit a " call review request '' for a supervisor to review the recorded call and then contact me about it. No one has contacted me. In sum, XXXX blatantly disregarded my instructions, closing my account prematurely so that it could avoid paying out earned interest. XXXX has rebranded itself as " MidFirst, '' apparently to avoid the stigma XXXX earned for treating customers badly. REAL banks pay out interest earned, even after account closure.
11/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60628
Web Servicemember
Approximately XX/XX/XXXX I received a letter from Midland Mortage Co saying welcome they would be taking over my mortgage. I found this very odd and requested documentation proving they indeed bought my mortgage or was assigned to the title as the new lien holder I was never sent anything in writing proving such so XXXX approximately XX/XX/XXXX they begin to report on XXXX XXXX and XXXX credit burueas stating I open an account with them in XXXX which is an absolute untruth as well as a fraudulent statement when questioning them about it I was told it would be removed and the only thing they did was change dollar amount and also had a company called XXXX XXXX run a hard pull through XXXX XXXX which I disputed and was never removed I was told by them Midland ordered the hard pull and if I felt it was fraudulent theyd just make it a soft pull which is also fraudulent and an untruth. Midland has never been assigned to my title or recorded of deed I went to my county processor office to verify I also have satisfaction of mortgage documents from XXXX mortgage company saying debt was paid in full and satisfactory I would like Midland to be charged for fraudulently reporting on my credit report in which they have no merit or ownership to do such my credit is in jeopardy every time they report the amount owed differently its been 3 changes since XX/XX/XXXX on my report by them I was referred to youll because credit bureaus disputes arent enough to stop or block them Ive never signed any documents or never taken a loan out in XXXX with Midland if theyre the owners of the mortgage they have never been assigned to title as well as Ive gotten satisfaction or Mortage recorded with the XXXX county assessors office
02/13/2023 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 08520
Web
I previously modified my mortgage through Midland Mortgage during XXXX due to financial hardship. During the application process I was informed from Midland Mortgage that no negative credit reporting would occur. That was correct and Midland did modify my mortgage XX/XX/XXXX and no negative reporting occurred during this process. Unfortunately the monthly payment was not reduced and actually increased due to an escrow shortage. I reapplied for mortgage assistance XX/XX/XXXX looking for a payment deferment or other options while I contemplated putting my home up for sale. At application, I also inquired about negative reporting during the application review period and an associate ( i will not name ) of Midland Mortgage informed me that there would be no negative reporting during the application process. The bank kept on requesting documents and a second phone call on XX/XX/XXXX also yielded the same response that Midland would not report negative late payments during the application process. I also have the name of the person that I spoke to from Midland. In XX/XX/XXXX I ultimately sold my home and the loan was paid off in full. A recent check of my credit file showed Midland reported me 30 days delinquent in October 2022, 60 days in XX/XX/XXXX, and 90 days late in XX/XX/XXXX. This has a devastating effect on my XXXX score and my inability to secure financing in the future because of the erroneous information Midland Mortgage provided me both at application inception and during the review period. I in good faith sold the home and paid off the mortgage in full ( it was not a short sale ) and Midland Mortgage did not act in good faith by providing me incorrect information. I would like this resolved.
08/03/2023 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
  • AL
  • 35749
Web
This company advised me at the beginning of last year that I would be eligible for a loan assistance program and I signed up for it. They told me to wait until they approve it and that I didn't have to make payments until the approval was complete and they find a clear title. I followed up on the info they gave me within a couple of weeks then they advised it would take at least 30 days to get the title and they told me to continue to wait and I would get something in the mail or a phone call from them. I did what they said and waited 30 days then when I called back to check on it a rep told me that someone had submitted a death certificate on my account which was not possible because I was the only XXXX authorized to handle anything regarding my mortgage. Shortly after they sent me a certified letter in the mail saying my house was in foreclosure. I did everything they told me to do and they flat out lied to me and put my house in foreclosure without honoring the assistance program paperwork. I later filed for bankruptcy XXXX XXXX and it was discharged, then mortgage company challenged it through the courts advising me I needed to pay or foreclose. I started making payments an they honored the assistance program but after the bankruptcy discharged they advise me they will not report the payments I am making on my credit because the bankruptcy lawyer needed to do a reaffirmation. The lawyer advised it was up to the Mortgage company to do the reaffirmation so I kept getting the runaround and here I am still paying and its not reflecting on my credit and my Mortgage payment increased. I have had nothing but issues with this company, they lie and every time I call someone tells you different things.
09/11/2020 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • KY
  • 40219
Web
I opened an account with them on XXXX and did not know how to use it. I had not done much with it and on XXXX I got a letter in the mail dated XXXX for accounts ending in XXXX & XXXX stating they closed the accounts. I had not used the accounts and was puzzled. On the same day, I also got a letter dated XXXX saying welcome for opening your accounts on XXXX. I found this very odd. I called in and spoke with a lady who told me that the reason the account was closed was that I used my cell number which is from a XXXX area code. It was not the same as my address and it was considered fraud. I asked how a cell number I have had for a long time would be considered fraud just because its from a different state? She could not answer. So, I asked for her supervisor. XXXX XXXX got in the line and was very rude and unprofessional. He refused to address me by the title that I earned as XXXX. XXXX XXXX. He kept calling me Mr. XXXX after I addressed this to him. He would try to over talk me. He refused to provide me answers to why my account was closed. He told me he did not have too. I asked him that say question I asked the lady before and he refused to answer. I told him I worked for a news agency and wanted to know the media contact for the bank and he said he did not know the bank had one. He was very being very unprofessional in answering a question to a consumer. This bank and its side company need to be investigated. They need to provide answers to consumers as to why they close accounts and not just be allowed to close accounts with no accountability. Consumers have the right to get answers and not be stonewalled. After the complaint is submitted I will forward the letters for the record.
07/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 326XX
Web
My account with Midland mortgage was originally reported by Midland as having a late payment for XXXX of 2023. I disputed the late payment because at that moment I was in the process of a mortgage assistance application and such report should not have been made. After my dispute, Midland agreed to change the late payment to report as suppressed. XXXX and XXXX changed the information for XXXX 's payment as suppressed, but after two requests from Midland, XXXX has not changed the information as yet. Additionally, XXXX is also reporting my XXXX and XXXX mortgage payments as being late when Midland did not report such information, as the payments were NOT late. XXXX is the only credit bureau that's reporting XXXX, XXXX and XXXX as being late. None of the other credit bureaus are doing so so. The other credit bureaus are reporting XXXX as suppressed and XXXX and XXXX as paid on time. I have reached out to XXXX twice. First, to inquire about the XXXX payment not being reported suppressed. They requested that I asked Midland to send the information to them once again. Midland Mortgage assured me that they would re-send the request to suppress XXXX 's payment. XXXX still has not changed the reporting. Now they're reporting 3 months incorrectly. Midland Mortgage also assured me that they never reported any payments late for XXXX and XXXX to the credit bureaus. I reached out to XXXX again today XX/XX/2023 and they are adamant that the information they have received for all three months is information they got from Midland Mortgage. I would like XXXX to do as requested by the mortgage company. To change XXXX 's payment as suppressed and to change XXXX and XXXX payments as paid on time.
09/21/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30016
Web
We have property damage claim that was filed with XXXX XXXX XXXX in XX/XX/2018. XXXX XXXX has paid 100 % of the claim. Because XXXX XXXX is a lender on our property the insurance checks from XXXX XXXX were made payable to us and XXXXXXXX XXXX. We have received {$25000.00} from XXXX XXXX and have sent the payments/checks to XXXX XXXX. XXXX XXXX has only released {$11000.00XXXX XXXX XXXX XXXX payments on XX/XX/2018 and XX/XX/2018 to pay a portion of the repairs. Contractors finished that portion on XX/XX/2018. There is still a remaining {$13000.00} that XXXXXXXX XXXX is still holding. Our mortgage is up to date and according to XXXX XXXX XXXX protocol, in order for additional funds to be released, they require an inspection. Contractors are finishing the repairs based on our claim. We have scheduled via XXXXXXXX XXXX two appointments to have this inspection completed so funds can be released to the the contractors for work completed per our contract with them. The inspector has FAILED to show up both times, has not called and will not return our calls. WE have expressed this to XXXXXXXX XXXX both times. They have given us the number to the inspector that THEY have contracted with to resolve. This is not acceptable. We have contacted XXXX XXXX to get this resolved to no avail. WE do not have the personal funds to pay the contractors for the work they will finish in about XXXX day. We have also made XXXX XXXX aware that this issue is going on. However, XXXX XXXX says they have any authority to help resolve. Since XXXXXXXX XXXX has taken longer to pay out disbursements, other damage, MOLD damage has occurred. This will cause an ADDITIONAL claim to be submitted to XXXX XXXX for Mold Remediation.
09/27/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • Payment process
  • WA
  • 98290
Web Older American, Servicemember
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, WA. XXXX RE : Midland Mortgage XXXX XXXX XXXX XXXX XXXX, OK XXXX Account # XXXX On XX/XX/XXXX, I initiated a letter of grievance to Midland Mortgage to dispute the handling and timing of my mortgage account. They told me I would receive a reply in 30 days. To date I have yet to receive an answer to my grievance. Timeline XX/XX/XXXX I moved into my house via a VA loan through XXXX XXXX. XX/XX/XXXX Midland Mortgage buys my mortgage from XXXX XXXX, I didnt like that. XX/XX/XXXX M M offers me a forbearance for one year due to Covid pandemic. The agreement was put that year on the end of my 30-year mortgage. XX/XX/XXXX M M suggests I apply for a grant from the state of Washington. That would pay for the forbearance year. I took the necessary channels and applied to XXXX XXXX. I was told it would take a couple weeks. XX/XX/XXXX - XX/XX/XXXX M M reports my account as negative and none paying to the three credit bureaus. WRONG. XX/XX/XXXX - XX/XX/XXXX Washington state granted me the grant for {$39000.00} and forwarded said funds to M M. XX/XX/XXXX I called M M to request documents on my home for tax purposes. They said we cant honor my request because they didnt post the monies to my account until that day! WRONG It has been nearly 60 days since my grievance was filed and no reply. I seek a correction to the reports submitted to the three credit bureaus. I would like my XXXX points lost on my XXXX score returned. I seek restitution for my pain and suffering. I asked them to adjust their calculations, to put XXXX at the end of my contract and start new XX/XX/XXXX. Please CFPB, I seek your help in this matter. Sincerely, XXXX
05/25/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92083
Web
We bought our property in XX/XX/XXXX and it was under my husbands name and my brother 's name. And within few months of purchase we transferred the property under a trust. And last year we have applied for loan modification in XXXX. And we have submitted proof like copy of recorded deed showing that the property is under a trust and copy of living trust to Midland Mortgage. But our mortgage company keeps adding my brother on the loan modification document who is no more the property owner and they want his signature on the document, which is not possible, because he is not on the deed. Midland mortgage is unable to resolve the issue for over a year now and now the interest rates have went so high that it has increased our monthly mortgage big time. All we want is the mortgage company to put the trust name or the trustees name ( my husband ) on the loan modification document but they are unable to do so, as a result its under review for almost a year now and now they want us to sign the documents with wrong names and pay higher interest rate. i have submitted all the documents and proof on time but nothing happened. all i want is the mortgage company to offer me the same interest rate that it did earlier when i applied for loan modification. i don't understand how is it our fault if the mortgage company is unable to resolve the issue for almost a year now with all the documents and proof showing the property is under a trust. So why should i pay higher interest. And if this gets delayed for another 6 months and interest rates keep going higher then i guess my payments will be way higher than it was before Covid. please help to resolve this issue.
08/27/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 91763
Web
My loan originated with XXXX XXXX, XXXX. on XXXX. In XXXX, I applied for COVID-19 hardship forebearance, due to less income at my job and my spouse being laid off. I got a 3 month forebearance, and I was told over the phone and in writing that my 3 months would be applied to the " back of the loan '' with no penalties. At the end of the term, I discussed the plan and was told that the agreement stands, and that I would be getting papers to sign to have an interest free balloon payment at the end of the loan. Instead, I got a letter saying that my mortgage was sold to Midfirst Bank or XXXX XXXX DBA Midland Mortgage. It was stated in the welcome letter that I would have access to my mortgage and ability to make a payment on XXXX. I then received threatening letters dated previous to the date of XXXX stating the mortgage is in default. I called on XXXX to pay my mortgage ( which I did ), and i was informed that NO RECORD of my agreement with XXXX XXXX was noted. They agreed to put me in THEIR COVID-19 relief program, and even though I was already enrolled AND approved in XXXX XXXX 's program, the new company is not insuring that this would be approved, and they have been making the process extremely difficult. I feel that this is horribly unfair, considering that I was previously approved, no questions asked, and it is in no way MY fault that XXXX XXXX decided to sell my mortgage to a smaller company. Due to my interactions with Midland Mortgage I do not feel as if my mortgage is being serviced properly, I also do not believe that they are equipped to handle the COVID crisis as well as a larger bank would, I feel as if my mortgage is in jeopardy.
08/17/2023 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NY
  • XXXXX
Web Older American, Servicemember
Was accepted for a Covid deferral back in late XXXX. Since early XXXX I Went to get off it and refinance the deferral? I started making payments again. I signed the contract and a couple of days later was contacted by the mortgage company as to a problem with a secondary XXXX from the USDA on my primary that hadv to do with my wife 's separate farm property which my mortgage company already had a subordination agreement from previously. They requested a new subordination agreement from them. Since the farm was up for sale, I went back and forth with everyone about this until the farm was actually sold in XXXX of XXXX. Turns out he USDA filed the lien releases on the farm but not on my primary residence. I received the secondary lien releases for my primary property and filed them in XXXX of this year. Since then I've gone back and forth with the mortgage company about a single equipment lien that they admit they have but because it doesn't have a certain number on it. I've traveled to the county courthouse 5 times and was assured the lien in question was discharged. Still a problem. I applied to the mortgage company to have the USDA Farm loan officer speak as a third party but they denied it. ( He also spoke with the courthouse previously to assure the lien was discharged ) I told them I would complain to the Congressional office and the next day I received notice it was cleared up, i called and to verify that it was? I received a a new contract ( at almost twice the interest rate then when i started this whole process? which I signed and sent back. Only to receive a call again about the title problem. And here we are again.
11/14/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Escrow, taxes, or insurance
  • FL
  • 32092
Web
I started the loan modification process to resolve being behind and during the process an evaluation was done on my Mortgage. At no time did the modification team communicate to me that my payment would down nearly $ XXXX, telling me only that due to the interest rate increase, that my payment would temain the same. I was not offered any options ( quitclaim deed with FHA, or opportunity to take the lower payment and make up difference/back payments ), and I believe this was so they could collect more interest from my a cou t - a deceptive practice taking advantage of a consumer under financial stress- it is an issue under UDAAP. Additionally, when I discovered the reevaluation information and I called I was told a check would be sent for the overage of my escrow but since the modification had been signed there was nothing they could do. That overage check never appeared and dueing the initial call I was told I could NOT speak to a supervisor, but they would request a call back. No supervisor called. I called back again and today was told the escrow overage was used towards my Principal during modification, but on a previous call I was told that escrow funds could not be used towards the balance. More deceptive practices. No one seems to know where the escrow funds actually went - I was transferred to several departments all telling me they didnt have that information and another dept would have to answer. This is absurd, for a financial institution to not know and be able to tell me where money went! And to intentionally withhold information that may have benefited the consumer for thier own financial gain is disgraceful.
11/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • WA
  • 98516
Web Servicemember
In early XXXX, I entered into a forbearance under the CARES Act where I was allowed to postpone my mortgage payments for a duration of up to a year due to XXXX hardship. However, after attempting to exit my forbearance and make a payment plan, as stated under the CARES Act, Midland Mortgage refused my payment plan and demanded payments in full. When I would try to apply for the payment plan, they would use every excuse possible on why I didnt qualify and instead tell me that I owed them over $ XXXX as a XXXX time payment. During this process, I still continued to make regular monthly payments to cover my mortgage, including during the months of XX/XX/XXXX to XX/XX/XXXX. However, since the CARES Act states that a mortgage company can not mark forbearance periods as late payments, Midland Mortgage decided to work around this by instead counting the payments I would make towards different months. For example, the payment I made on XX/XX/XXXX would instead be applied to the XX/XX/XXXX payment, even though the payment was made by me towards the XX/XX/XXXX payment and not the forbearance amount, as that was under a XXXX XXXX application. They are currently reporting to my credit bureaus as my payments being late from XX/XX/XXXX to XX/XX/XXXX. I did make payments during these months and these payments were the exact payment amounts that were agreed upon. I was not late on my payments during the months reported. I submitted a dispute to XXXX with the exact above information, but XXXX did not update my information even after attaching the transaction history that shows I submitted payments for those months.
01/17/2019 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • NE
  • 68046
Web Servicemember
Had an insurance claim check sent due to hail damage, paid {$8000.00} out of pocket to get repairs done before snow. Confirmed with multiple reps we have all required paperwork, sent endorsed check, insurance estimate and proof of completion by contractor. Had the paperwork tracked, they received paperwork on XX/XX/18. Waited 10-15 days for processing for check to come in the mail. Finally grew impatient and called only to find out they left messages for insurance company to call them back to confirm damage. We contacted insurance company and they verified no contact with them had been attempted. Called XXXX XXXX back to prove direct phone number of our adjuster to be told they will try again, call back in 3 days to allow more time to call again. Called again following week that they are missing paperwork and have not called insurance company. Approximately 7 calls later finally speak to someone who stated they only need me to verify type of damage and now we need supply list of additional work needing to be done. We get a supply list, email it to them on XX/XX/XXXX, call on XX/XX/XXXX to be told wait 2 more days to process. Called on XX/XX/XXXX to find out they didn't receive the email even verifying address was correct. Forwarded email directly to loss claim rep and still no response. This has been 45 days now with continued " processing '' with no resolution in sight. XX/XX/XXXX paperwork received, XX/XX/XXXX paperwork processed, XX/XX/XXXX letter sent more paperwork needed, XX/XX/XXXX postdate of letter, XX/XX/XXXX letter received. XX/XX/XXXX additional paperwork sent, XX/XX/XXXX nothing accomplished.
02/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30340
Web
I have reached out to Midland Mortgage to correct their reporting data to show my account was not past due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My account was approved to be in forebearance under the CARES ACT and Midland mortgage advised me that the payments will not be reported to the credit bureau as late payments while under this program. Midland Mortgage in turn did report my account as 90 days and 120 days late to the credit bureaus for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I disputed the items directly to the credit bureaus and as of XX/XX/XXXX Midland Mortgage continues to report as late payments for this timeframe. I reached out the Midland Mortgage around XXXX and XX/XX/XXXX. XXXX XXXX ( Supervisor ) advised they would correct the inaccurate reporting. XXXX ( Supervisor ) call me around XX/XX/XXXX or XX/XX/XXXX to advise she would correct the reporting by sending the correct information to the credit bureaus. She even emailed me a letter from Midland Mortgage stating the information was inaccurate and should be removed from my credit report. I have a copy of the letter. My chief concern is that even after Midland Mortgage assured me they would rectify the inaccurate reporting, the credit bureaus still to this day are receiving information back from Midland Mortgage that my account is 90 days and 120 days past due for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Midland Mortgage must immediately correct their system and update the credit bureaus. Due to this inaccurate reporting, I was denied for a mortgage. I am beyond frustrated with Midland Mortgage and wish that they correct their errors.
09/20/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Loan sold or transferred to another company
  • SC
  • 29072
Web
XXXX XXXX XXXX XXXX handed my original mortgage to a small bank in California maybe a year ago. My mortgage was up to date and in good standing. XXXX would not take my payment. The new bank would not send me a bill/statement for several months but instead sent me applications to refinance and also applications to modify my loan. Which I responded that I was not delinquent I would like to pay my monthly bill. I also told them I would not sign any new contract with them. My mortgage was paid up and was not delinquent when all of this initially transpired. I then began researching and started the administrative process with XXXX XXXX and also with this new bank. First I sent via Certified mail, an FOIA request to This new bank in which they did not respond in timely manner and did not provide proof of standing through answering request in full or providing ORIGINAL PROMISSORY NOTE with WET INK SIGNATURE/debt instrument I sent a second request, via Certified Mail, they did not answer timely and again could not provide proof of standing. Finally, on XX/XX/XXXX I sent via Certified Mail, a NOTICE OF DEFAULT and CEASE & DESIST to them. I received a letter from an attorney down in XXXX yesterday asking for me to contact him and let him know how i wanted to handle my debt with them. Then about an hour ago I was served a stack of around XXXX different electronically filed papers ( XXXX XXXX, SUMMONS AND NOTICE ( non jury mortgage foreclosure ), COMPLAINT, and CERTIFICATE OF EXEMPTION/WITHDRAWL FROM ARBITRATION AND MEDIATION ) Of course, I have copies of everything I ve shared here
07/09/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 776XX
Web Older American
I am being victimized by Midland Mortgage with a predatory loan. I bought my home in XX/XX/XXXX and MM bought the mortgage in XX/XX/XXXX. I paid my mortgage payment each month. MM sent a letter in XX/XX/XXXX stating due to a shortage in escrow I owed XXXX or my payment would increase from XXXX to XXXX. MM created a shortage by purchasing windstorm coverage and charging me double. I contacted the hope helpline and a HUD-approved counselor who negotiated a loan modification. The counselor told me the payment was XXXX with 5 yrs added to the mortgage, she also told me it was legal for MM to charge double so to have a cushion. I later received a letter from a law firm who was suing MM because for doing this to many. It became a class action. I got a check in the mail for XXXX, MM got to keep the rest of my XXXX that they stole from me. A person from MM called me in the last week of XX/XX/XXXX and told me the new payment was XXXX due XX/XX/XXXX, I paid it. In the last week of XX/XX/XXXX MM sent a letter saying I was past due on my XX/XX/XXXX payment. I complained to XXXX XXXX. A person named XXXX calls me and tells me the payment was applied to XX/XX/XXXX and wanted me to pay an extra 100 a month to make up the missed payment that I actually did not miss, It's just a scam ran by MM. I paid 50 extra for months and MM reported me late each month to the credit bureau. In XX/XX/XXXX my payment was XXXX which included homeowner, windstorm, and taxes. MM raised my payment to XXXX in XX/XX/XXXX. I believe an investigation would prove MM increased the payment illegally. ( MM ) Midland Mortgage.
03/22/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 75002
Web
My home is in foreclosure I have tried to sell the home but was unable even on a short sale. So I have decided to keep the home and rent it out. Found a renter he is in the home and has been since XX/XX/XXXX well actually XX/XX/XXXX because he had some issues with turning on the electric in his name. I have filled out the application for assistance to help me keep my home. I have sent in all info the application my 2 mos of paycheck stubs the rental agreement and also the receipt showing he paid the rent. But I am being told that Midland Mortgage is asking for two mos of bank statements. I don't receive bank statements number 1 and number 2. The person has only been in the house maybe 3weeks. How would I have two bank statements and # 3 why am I sending in the bank statement. That is my main question. I asked why and they said the receipt is not acceptable because it is handwritten and I have a month to month lease. The reason the lease is month to month is because the house is in foreclosure. I have also requested this info in writing. But I can not get that info in writing. I have sent this receipt in twice to Midland Mortgage and they have not told me in writing why my receipt is not acceptable. I had to call and say I have sent this receipt in twice what is the problem. To protect myself and my renter I can not by law say he can live in the house for a year knowing the house is in foreclosure..this is my first house first foreclosure. I want to do right by my renter and disclose all info. I just want to stop the foreclosure pay the mortgage and be forced to be a landlord.
10/24/2023 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • Confusing or misleading advertising or marketing
  • SC
  • 291XX
Web
Was told about the Assumption Process in XXXX of XXXX. They later told me I needed a Credit Qualified Assumption, as I was attempting to remove my ex-husband from the loan. Was told it would take 30 days, then 90 days, then 90 more days as the paperwork had to be sent over and approved by the FHA directly. I filled out the XXXX XXXX packet multiple times. I could never reach or received a reply from the person listed in the paper work, XXXX XXXX. I was consistently threatened in the paperwork language, that my application would be cancelled, if information that was mailed out to me were not received back in 15 business days ; despite it often taking 15 days to arrive to me. No guidance on how to complete the paperwork, what they were looking for regarding " buyer '' and " seller '', constantly asking for my ex husband to sign documents ; despite me providing them the XXXX XXXX stating that he had " no interest in the home ''. It was a nightmare, and I could have been held in contempt of Court due to them not completing the process in a timely, honest and professional manner. Process wasn't complete until XXXX. They even send me a letter stating the they could not complete the process because I had not yet made that particular month 's payment ( I had until the XXXX before a late fee would even be processed ). I had been paying the Mortgage independently for more than 12 months. They charged me {$550.00} to drag out a simple process, not provide support and lie regarding the FHA having to approve the process. It was way worse than obtaining the mortgage from the beginning.
08/28/2022 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • OH
  • 44121
Web
In XXXX of XXXX the courts here in Ohio granted me ownership of the property at XXXX XXXX XXXX XXXX Ohio through a divorce decree and was to take ownership starting XX/XX/XXXX after rental tenants have moved, Upon moving in i reached out to Midland mortgage to get the necessary items and information needed to make this court ordered transaction smooth. They continuedly changed the terms of what i needed verbally only ( nothing in writing ) on what is needed. they have changed the information needed and even changed the mortgage amount from XXXX XXXX without any letter to me explaining the change amount. which is illegal, It has been over 1 year now since these things started and all the correspondence from them I have sent in at least twice including the divorce decree and assumptions paperwork and all county transfers from XXXX XXXX which I am a employee. The tactics that Midland Mortgage have been using are a violation of ethics and a violation of my rights .Practices like that should not be happening in XXXX. I sent in six ( 6 ) payments from my bank account and now this is not enough. If you read the TWO ( 2 ) correspondence they all state just 6 payments from my checking account, That's what i was given and that's what I followed, now I'm tired and my family continues to disrupted by these unethical practices. I challenge Midland Mortgage to show me any correspondence other than what i provided where i have not fulfilled their obligations. This has continued to disrupt my children and there well being with the tactics used by Midland Mortgage. This must stop now
10/01/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • ND
  • 58103
Web
I am currently a Successor of interest on my FHA loan. I have been trying to make a payment or work out payment arrangements since XXXX. At first they refused to acknowledge my divorce documents. Then when COVID started and forcloser proceedings were stopped. I entered into COVID protection for XXXX months. Two months prior to my forbearance being up I reached out to my servicer to work out a modification. I even filled out assumption paperwork per their request My servicer insisted that my x husband sign a quick claim deed ; he will not that is why the judge did it for him during the divorce. A default judgement was entered against my x husband and myself - I couldn't obtain legal counsel to fight the forcloser. Once I did he just seemed to hold my hand through the process. Doing nothing to actually fight for me. The bank proceeded with the forcloser but did have me fill out yet another modification forum for the third time- they made an offer in just a few days and said they needed XXXX days to do a title search, weeks later they took it off the table saying it never happened. My attorney did not get it in writing nor did I. We had no proof of the offer so they told me it didn't exist. I dreamt it up!!! I applied for XXXX XXXX and my servicer REFUSES to talk to my state agency. I informed Midland Mortgage in XX/XX/XXXX and again on XX/XX/XXXX that I applied for XXXX but they refuse to acknowledge.. I received a letter from the state of ND dated XX/XX/XXXX and the Midland Mortgage has yet to contact them. Regarding my XXXX application. Please help me!!!!
08/24/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30013
Web
The property in which my parents had a mortgage on is now paid in full as XX/XX/2020. Both of my parents are deceased and my name is on the account as an authorized party. There's a refund check for approximately {$5800.00} made out to the Estate of ( my Mother 's name ) and an insurance claims check for approximately {$8000.00} ( made out to both the Estate and Midland Mortgage ). I was unable to cash the checks without proper documentation of proof that I'm authorized to deposit the checks and my bank said the checks need to be made out to me because of the amount. My parents did not have a Will ; therefore, a real estate attorney drafted an Affidavit of Heirship And In Aid Of Title document and had it recorded in the state where the property resides. There are 4 heirs ( including myself ) and the Affidavit includes all of our names. I forwarded all documents to Midland Mortgage as requested. They acknowledged receipt and have said since XX/XX/2020 that my documents were under review. I was told I would receive the checks in my name by the end of XX/XX/2020. I called the first week in XX/XX/2020 to inquire about the checks and was told it was still under review. Then they said the checks would have to be placed in all four ( 4 ) names. I said ok, and emailed the names and addresses of all XXXX siblings as requested. I called again the week of XX/XX/XXXX and again was told my matter was under review. After getting irate, the rep then said the checks will go out via XXXX that week. I still have not received any checks nor confirmation of the XXXX tracking number.
01/29/2019 Yes
  • Mortgage
  • VA mortgage
  • Incorrect information on your report
  • Information is missing that should be on the report
  • MO
  • 64155
Web Servicemember
My mortgage loan was bought out by XXXX XXXX prior to XXXX of XXXX from XXXX. XXXX XXXX within a week of XXXX closing my loan, my credit score tanked by over 70 points. I waited and expected XXXX XXXX to report my loan in good standing the following month, but this did NOT happen. With an abundance of caution, I mistakenly waited until early XXXX to verify one more time to see if my loan would be reflected in my XXXX credit score. Unfortunately, XXXX XXXX did not report my loan in good standing again. On XXXX XX/XX/XXXX I contacted XXXX XXXX informing them of my concern and asking that they rectify the discrepancy. On XXXX XX/XX/XXXX I received a message from XXXX XXXX XXXX XXXX ( attached ) informing me that they will NOT take any action until early XX/XX/XXXX. I contacted XXXX XXXX by phone on XXXX XX/XX/XXXX and after a length conversation with their " customer service '', they stated their policy of not reporting to credit bureaus for a period of 90 days is hard and fast and can not be changed. For personal reasons, I need a good credit score. XXXX XXXX is unfairly preventing me from pursuing actions I need to take in my life because of their discriminatory policy of not reporting to credit bureaus in a timely manner. I did not ask for XXXX XXXX to sell my mortgage to XXXX XXXX and I do NOT deserve to have a negative credit score/history as a result of this action. I expect XXXX XXXX to rectify this reporting injustice and, necessarily on a case by case basis, report mortgages in good standing if so requested by the owner of the mortgage.
11/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • LA
  • 71105
Web Older American
My ex-wife and I entered into a mortgage in XXXX, with Midland Mortgage Company to secure a loan on our former matrimonial domicile. We divorced in XXXX or XXXX, and entered into a divorce judgement through which my ex-wife received 100 % ownership in our former matrimonial domicile. It was my understanding and my instructions to my attorney and, I believe, the instructions of the Court that I be removed from the mortgage. In XXXX, XXXX my fianc and I applied for a mortgage with XXXX XXXX on a home we purchased. As part of that application, XXXX XXXX researched our credit, and the aforementioned mortgage appeared on my credit report. I was surprised because I have not heard from nor had any dealings with Midland Mortgage since the time of my divorce in XXXX or XXXX. I contacted Midland Mortgage on XX/XX/XXXX, and they told me that I was not on the account and, therefore, not authorized to receive information about the account. They suggested I address the issue with XXXX XXXX who, in turn, referred me back to Midland. I called Midland back, and they again told me that I was not on the account and not authorized to receive information about the mortgage. Despite this, they did tell me that I was not a debtor on the mortgage and that I was not a debtor on any mortgage with their company. They suggested that I file a dispute with Midland which I did. A copy of my letter to Midland Mortgage Company dated XX/XX/XXXX, is attached hereto. Any help you might provide in removing Midlands mortgage from my credit report is greatly appreciated. Thank you
11/05/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 606XX
Web
I am a former customer of Midland Mortgage. My home was sold in XXXX. Midland Mortgage has not refunded the escrow money. I called in XX/XX/2020. I was told that the funds would be sent. The money never came. A letter was sent around XX/XX/2020 stating that the funds would be given to the State of Michigan if I did not claim the funds. I did not receive the letter until XX/XX/2020. I called again to Midland Mortgage who said they needed twenty days to check on the funds. I gave Midland Mortgage 20 days and called again on XX/XX/2020. Midland Mortgage stated that I then had to wait twenty business days. At that point in time they have no clue where the funds are. They told me to call back Monday. I called back again on XX/XX/2020 and XX/XX/2020 and spoke with XXXX XXXX who is a customer service supervisor. He told me that the funds would be overnighted to me. He assured me that he would call me XX/XX/2020 to inform me that the funds were sent. I did not receive a call from XXXX XXXX. I called again on XX/XX/2020 to customer service. They told me that they could not locate XXXX XXXX and then hung up on me. I called again on XX/XX/2020 and informed Midland Mortgage that I had not received a phone call as promised. I spoke today, XX/XX/2020 to XXXX XXXX after following up again. XXXX XXXX informed me that they failed to overnight the check as promised. I still do not have the check at this time and Midland Mortgage has made no attempt at sending me escrow funds that are over {$900.00} dollars. No proof has been provided with regard to the check.
10/28/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IN
  • 46260
Web
I have been battling my mortgage company ( XXXX XXXX ) for almost two years now. Last year they assessed fees on my account for what they claimed to be related to them having contractors perform maintenance on the residence. We were in the process on doing construction on the property when they came out and changed the locks. One day we came home and actually found people in the home who claimed to have been sent by the mortgage company. We called the police and filed a report and the men in the home were ordered to leave. Afterwards we called the mortgage company to find out exactly what was going on and they thought the home was vacant and that we needed to provide utility bills to show that we were still living in the residence ( which we did ). Shortly afterwards we starting noticing that our monthly statement included misc fees that no one could explain to us. I called several times and spoke to several people over several months, but never got any resolution. The mortgage company claimed that the fees were from their contractors coming out and doing repairs to the property and maintenance. This was a totally fabricated story because we paid to have repairs done to the property and lawn maintained ( which can be proven with receipts from the service providers ). As of today 's date they are threatening foreclosure, not due to the fact that we haven't paid but because of their wrongful fees that they've assessed to the account. I would like to keep the home that I've owned for over 10 years now and need some help fighting this company.
07/13/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CO
  • 802XX
Web
When they first offered mortgage assistance on their website in XXXX of this year, there was no explanation as to terms or ramifications just straight delay payments up to 3 months, but then, it suddenly went to 6 months. For over a month I had no information on what would happen at the end of the delay period nothing for almost 2 months, then all of a sudden, I am getting a payment assistance application in the mail, along with letters stating I have no payments due until XX/XX/2020 AND then I am notified you put a derogatory comment on MY CREDIT REPORT! At first, I thought the missed payments would be added to the end of the loan and I thought, this is a sweet deal I can use my mortgage payments to knock down other debt and make it up on the back end of the loan LIKE SO MANY OTHER COMPANIES offered. Then I had a phone conversation with someone who said that isnt how it works well they COULD HAVE led with that in XXXX. made it very clear upfront So then I thought, ok I will just bank my payments and earn a bit of interest, THEN they put a derogatory comment on my credit report AFFECTED BY DISASTER IMPLIES A LOT OF DIFFERENT THINGS AND IT IS AN UNFAIR AND LEADING STATEMENT. I received a letter in XXXX indicating my escrow went up and my payment would go from XXXX to XXXX in XXXX. I sent my XXXX XXXX and XXXX payments all at once, including the extra money for XXXX and they didn't even apply it correctly! Now they say my payments have gone to XXXX - again for escrow. XXXX? I don't think they actually know what they are doing
09/25/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30344
Web
This XX/XX/XXXX, my XX/XX/XXXX escrow analysis showed an escrow shortage. As a result, my mortgage company gave me two payment options : 1 ) pay it through an additional {$100.00} a month added to my monthly payment or 2 ) pay the entire shortage up front with a {$31.00} increase to my monthly payment. The second option confused me but I looked at it as a proactive preventive escrow shortage increase, so I thought okay. I too like to move proactively so I paid the escrow shortage in full but went a step further by taking the additional {$31.00} increase multiplied it by 12 and sent that in amount as well ( marked for escrow only ). This was done so that I could stay within my tight budget for the next year and continue paying what i was paying prior to my escrow review however, my mortgage company is still charging me the {$31.00} increase with my monthly payment. I've reached out multiple times asking them to make the adjustment to my monthly payment, but they said they can't make any changes after the analysis is done. I've talked to FHA, XXXX, HUD Counseling and, XXXX XXXX and all advised that my payment should be back to the amount prior to the escrow analysis since the shortage plus an additional payment was made. XX/XX/XXXX will be the third month paying this additional amount and still they have not made the adjustment. With the two escrow payments made plus the regular monthly payments my escrow will be funded with enough to pay all my insurance and taxes plus have the required two month federally mandated minimum left over.
03/19/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IL
  • 60612
Web
Since 2018 we have been trying to get mortgage assistance. We have been denied twice based on what they decided which we know we could of qualified. In our 3rd attempt we, with the same info previously provided, have been getting the run around in all types of documents they are wanting. What was a small amount of monies in arrear is now getting double of that because of their delay in application process? In their most recent request, they have wanted to have us have quitclaim deed, the house insurance, etc. While all of this is going on and we are in constant contact with them, they have us still going to court because they say the foreclosure process does not stop. Then why have us provide all this info and await a decision if you are still foreclosing? We are now chasing them by calling every day and still no official decision or approval paperwork but yet, they dont stop the foreclosure proceedings or update their attorneys. In Illinois, document states that if a loss mitgation application is in the works, they should of never proceeded with foreclosure proceedings but allow us enough time to resecure the debt. As mentioned in the beginning, we started this process a very long time ago when we fell into a financial issue of job loss. We started with a temporary relief of an unemployment application which just put us more into issues because by the time you are done with the payment plan, it consittes 1 whole month of mortage but yet you are now 6 months more in dedt. I believe they set us up for failure to take our home away.
03/21/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 92223
Web Servicemember
I made a payment in XXXX which paid my account in full in XXXX I got a letter certified mail saying that I didn't make the payment and then I was in jeopardy. It cost me so much anxiety and stress and I thought I was going to lose my home because of this letter. How can I send this kind of stuff when I am in full rights of my homeownership and I made my payments how can I scare me and do this to me make me feel as if I didn't fulfill my financial responsibilities. From this letter I received caused me to reach out to my friends and family and acquaintances to borrow money to fulfill my financial obligation but the problem is I already fulfilled my financial obligation and now I look like an XXXX to all my friends everybody knows my financial situation just because this letter was sent to me. I want to speak to somebody who is responsible for sending this letter to me and for me to be able to have rectification. I believe this letter is cost me so much undo stress and anxiety causing me to call for counseling to keep my sanity when I knew I paid and was told I wasn't paying. My example of receiving this letter is like receiving a letter telling you that someone has passed away. I took this information as true because it was certified mail coming to me. It was false information sent to me and I want somebody responsible to reply to me and tell me why would they do this awful unlawful letter. Please someone respond and tell me why they are allowed to do this to me. I paid my mortgage then they said I didn't with a certified letter.
04/27/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IL
  • 60451
Web
I filed an application for a modification ( Partial claim ) with Midland Mortgage. The reasons were for increased expenses for the household and for my recently-diagnosed medical condition. On or about XX/XX/2023, Midland approved said application, but the payments for the modified mortgage has INCREASED the payment by {$400.00} per month. -- - I contacted Midland and asked why, and I was told that my interest rate was being doubled and that the payment was what it was. I asked if anything could be done and the person with whom I spoke said she would check. XXXX specifically asked her if this would affect this plan to ask, and she definitely said NO. *** -- - Nonetheless on XX/XX/2023, I received a default notice in the mail and logged on to see that the approval was changed to a DENIAL! I called and spoke with XXXX, XXXX XXXX, in the mitigation department, and she told me, to my surprise, that I had " refused '' the modification! Which I NEVER did. I was also told that the approved modification was dead and could not be revived. I was also told that I needed to re-apply and the payment could be different ( which I took to be higher ). I also understood that I could be out of luck altogether, because there is some new process where the options would be discussed over the phone ( which eliminates the paper trail, which existed with the prior approved plan ). -- - The end result is that I am losing my house because Midland acted to remove my options and offered a " plan '' that it knew I could not handle.
06/24/2019 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Unable to open an account
  • NY
  • 10012
Web
On XXXX/XXXX/19, I submitted an application to open a savings account following an online targeted ad. The website instructed me to call to customer service. Customer agent XXXX instructed me to send a copy of my drivers license to the banks email address ( unsecured ) to complete verification. I followed up on XXXX/XXXX/19 : representative XXXX escalated my case to supervisors XXXX and XXXX who promised to come up with the decision by XXXX/XXXX/19. On XXXX/XXXX/19, representative XXXX informed me that XXXX made a decision not to process my application because their internal system was unable to generate questions to verify my identity. XXXX refused to use alternative methods of verification ( statements from other banks, text messages on registered phone, copies of other forms of ID or credit cards ). Vio bank refused to send me an official letter explaining the reasons for denial. 1 ) The banks actions violate my FCRA rights. 2 ) Their verification protocol has disparate impact ( based on race and national origin ). The bank refused to open my account as a result of this discriminatory protocol, thus violating my civil rights. 3 ) The bank exposed me to increased risk of identity theft by forcing me to send them a copy of my DL through unsecured channels, even though they knew or should have known that my DL would not have affected their decision. 4 ) Representative XXXX refused to transfer me to their legal team stating that only litigants represented by accredited attorneys have that privilege.
06/01/2022 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Banking errors
  • VA
  • 22204
Web
XXXX, a division of MidFirst Bank, has not fulfilled its referral promise. I opened my XXXX deposit account on XX/XX/XXXX pursuant to a XXXX advertisement. The bottom of XXXX 's website states : " XXXX MidFirst Bank. XXXX is a division of MidFirst Bank. Member FDIC. My direct deposits to XXXX appeared on my earnings & leave statement as deposited to " XXXX XXXX XXXX Bank. '' XXXX then encouraged me to " refer friends to XXXX, '' with the promise of {$50.00} for me and {$50.00} for a friend who opens and funds a XXXX account. I referred my friend to XXXX, and sent him the XXXX link designated for the referral promotion. He opened and funded his own XXXX account. We fulfilled all terms of the promotion, and our respective bonuses should have posted by late XXXX. I called XXXX about this on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The first two times, I spoke with a customer service representative who identified himself as " XXXX, '' and who confirmed that we had satisfied the requirements for receiving the referral bonuses. He said he would research why the bonuses had not yet posted. The third time I called, a different customer service rep answered. I explained the situation, and told her of the " XXXX '' I'd spoken to before. She said he would arrive to work shortly, and she would ask him to follow up about this. My friend and I still await the promised referral rewards. MidFirst Bank and its XXXX division engaged in false advertising and deceptive practices. CFPB, please help us!
05/08/2021 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 19152
Web
I have to date made 6 attempts at trying to resolve having my current payments with Midland Mortgage reflected with the 3 credit bureaus. At this point. I have shared multiple times that this is preventing me from getting a new mortgage to purchase a house. Additionally, this has stopped me from being able to sell my current property due to not be able to obtain a new mortgage The only viable communication I have received is from XXXX XXXX on XX/XX/XXXX showing that the last reporting to the 3 credit bureaus took place onXX/XX/XXXX, but Midland only reported updates thru XXXX, even though my XXXX and XXXX payments have posted on my mortgage account prior toXX/XX/XXXX When I spoke to XXXX, my payments were sitting in Unapplied funds and she explained thats why my credit hasnt updated. XXXX mentioned this is because of a Covid backlog. When I asked to speak with someone responsible for updating and reporting my payments to the credit bureau, I was told they wont help you, they dont even answer us At this point Im starting to feel that this is discrimination and their attempt to stall the credit bureau reporting so that I can not start a relationship with another lender. XXXX spent many days and hours traveling, my time and money, looking at properties under the belief that Midland was going to update all payments thru XXXX at the end of XXXX. I have tried to secure a mortgage with other lenders. But have been declined due to their negligence in reporting. XXXX XXXX XXXX
05/22/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TN
  • 37013
Web
We have a mortgage with Midland Mortgage. Three years ago ( XXXX ) my husband was on FMLA and we began getting behind, he got back to work and a garnishment ( we did not know about garnishment it was sent to XXXX and we live in XXXX ), we contacted Midland to ask for a loan modification or refinance. They suggested loan modification. We filled out all requested paperwork, application, and submitted all documentation. We were told 15-30 days we would know something. Every week or so, we would get a call or email stating they did not receive this documentation or that documentation, so we would send again. Then with in a week or so, another request for a piece of documentation they didn't get. This would go on until all documents previously submitted were out of date and we would have to start the application all over again. This has been going on since last part of XXXX. Last time they could not read a date, I spoke with someone in the foreclosure department and they stated they had all required documents ( XX/XX/XXXX ) and a decision would be made within two weeks. I just received an email stating all documents had expired! I believe this is the third time on one application that this has happened! We called on XX/XX/XXXX and were told they had all they needed and should be reaching a decision soon. On XX/XX/XXXX, I receive an email stating that all documents had expired! We continue to make payments and they are charging late fees and having us jump thru hoops! PLEASE HELP!
08/21/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 33470
Web
I mailed an insurance settlement check to XXXX for a settlement involving damages that were completed. XXXX requested a copy of the settlement agreement. I complied. The settlement agreement was mailed on XX/XX/2018. The XXXX representative advised me that processing would take up to 10 day. I waited. In early XX/XX/2018, I called XXXX to check on the status of the settlement check. At this time, they requested an inspection for damages unrelated to the claim in question. I complied. The inspection was completed XX/XX/2018. I was told that processing the settlement check after the inspection was complete would take 10 days. I waited. I called today, XX/XX/XXXX, and was advised that I had to provide receipts for the repairs that were inspected and granted a 95 % completion status. I advised that the documents were submitted with the original insurance claim check as this is an ongoing claim that went to litigation with the insurance company. I advised XXXX that the repairs were completed in XX/XX/2018. The requested documents, receipts, etc. were submitted when the original claim check was processed without incident. I advised XXXX that the settlement check was for the same damages that have been inspected twice. I asked to speak to a supervisor and was placed on hold for 30 minutes. At this time, I am requesting assistance to ensure that XXXX is working in Good Faith and to ensure that no rules, policies, statutes or laws are being broken. Your assistance is appreciated.
09/28/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AL
  • 35244
Web Servicemember
Midland mortgage has added {$5500.00} to our mortgage statements. When we spoke with them they stated that charge was from the previous Mortgage Company that service the loan. However, for over 1 year and half they have failed to produce any receipts that validate this charge per written request to the Office of Vice President at Midland Mortgage. We just completed a modification as a result of COVID -19 and making payments. However, the statement due we received is now showing nearly {$8000.00} ( Statement Attached ) due when I payment is {$1600.00}. Even though we just modified the statements still show we are behind, but there is no validation of the fees. This mortgage was transferred to Midland on XX/XX/2016 ( Transfer Document Attached ). It was nearly four years before we saw these charges appear on our statements. Midland is stating the fees are attorney fees from XXXX who they purchased the loan from in 2016, but provided no documentation. In addition, they are stating the fees are for {$20.00} fees a month for someone driving by our home. I have emailed Midland and spoken with them to request these charges be removed. We spoke with them again today and receive the message don't worry those charges are only due at the end of the loan, but the charges are appearing due now on the statement. We are doing all we can to pay our mortgage and in the middle of all this pandemic and an extra {$5500.00} is added to your mortgage without any standard of justification.
04/26/2019 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Unable to open an account
  • VA
  • 23188
Web
MidFirst Bank is engaged in systematic discriminatory behavior through its marketing and account set-up processes. As a citizen of the United States who was targeted by online marketing regarding " Vio '' online savings rates, I attempted to open a savings account which was declined, to which the bank when I called would provide no information as to the reasons why. Their explanation was that the process was controlled by XXXX and they had no control and no insight as to the reasons. I called XXXX at the number provided and they said they could not provide me the specific reasons, but rather required I order a credit report. I have an 800+ credit score and exemplary experience with deposits so this is alarming to me. Concerned that MidFirst bank is engaging in discriminatory behavior, I then called XXXX to inquire about the bank 's compliance with the Community Reinvestment Act. Financial institutions compliant with the CRA are required to make the location of their public file available to the public upon request. I made this call on XX/XX/2019 at XXXX. The agent referred me to XXXX XXXX XXXX which has to do with mortgage lending, but not the the actual CRA compliance file. They then said they would mail me a copy. The fact that this financial institution is able to engage in discriminatory behavior operate outside the bounds of it's federal charter to " serve all members of the community '' needs to be investigated and remedied by the federal government.
08/04/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • WA
  • 98118
Web
XX/XX/XXXX Dear Mid-First Bank and or Midland Mortgage : On or about XX/XX/XXXX I contacted Midland Mortgage about misinformation the company made and placed on my credit report. I disputed the information and contacted the XXXX, ( XXXX XXXX XXXX ), a Midland third party partner. I spoke with XXXX who told me Midland had provided the information I was disputing to XXXX, XXXX and XXXX XXXX. Specifically, XXXX said Midland reported as of XX/XX/XXXX I was more than 120 days past due on my mortgage. That information is untrue. XXXX also said Mid-First Bank and or Midlands policy is to report mortgages as delinquent or late even if the mortgagee continues to make payments which I did after contacting Midland to request mortgage assistance. I was approved for a reduction in payment plan in XX/XX/XXXX and thereafter placed on a modification plan with a 3-month trial payment period that I paid as agreed. Nonetheless Midland reported to the credit agencies I was 120 days delinquent in XX/XX/XXXX. I believe incorrect reporting violates the Consumer Protection and Fair Debt Practices Acts. Any payments not made on my mortgage occurred because Midland instructed me to not make payments until after my modification was completed. I did as Midland instructed. I want my credit reports corrected and future reporting to be accurate as according to law. I want a statement from Midland explaining its policy with supporting legal documentation. I look forward to hearing from you.
09/27/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Paying off the loan
  • PA
  • 152XX
Web
Hi Governor, thank you for getting back to me. I have a 30 year mortgage, and I purchased my home XX/XX/1997. Long story short, a couple of years ago my escrow account came up short of {$2600.00}. When I contacted Midland Mortgage about a resolution to get caught up on my escrow shortage. The mortgage company advised us that there was an easier resolve, that they can just put the {$2600.00} at the end of our loan. Being as though we had a previous shortage from about 9 years ago placed at the end of our loan we felt that it was okay to do that. They told us is that all we had to do was to get the agreement notarized and send the papers back to them. We purchased our house for {$57000.00}. Earlier this year I started paying more attention to our remaining balance. I noticed that it states a remaining balance of XXXX. When I asked the mortgage company about it they told us that by moving the {$2600.00} escrow shortage to the back of our loan gave them the right to lock us into our mortgage with a new maturity date of XX/XX/2057. XXXX XXXX I am XXXX with XXXX XXXX, I won't be alive in XXXX. Midland Mortgage told us that they're not obligated to advise us of the new maturity date, that they're allowed to do that. I have been trying to contact legal help, I wrote to the Attorney General 's office. Please, I need help. I am a XXXX XXXX that was XXXX XXXX XXXX when I purchased my home. Very rare coming straight from project housing. Can you please help me?
06/13/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • CA
  • 92832
Web
Opened XXXX checking and savings account on XX/XX/22. Met requirements for {$250.00} Bonus for opening an account ( XXXX deposits of at least {$1000.00} within 90 days of opening account ). XXXX deposits submitted on following dates below from government benefits ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/22 {$1000.00} XX/XX/22 {$2000.00} XX/XX/22 {$1000.00} Offer states {$250.00} USD will be credited to savings account within 45 days of meeting promotion requirements. Its been greater than 90 days. Ive contacted XXXX multiple times and was unsuccessful in getting this matter resolved. Last outreach made on XX/XX/22 with XXXX representative ( XXXX ). Please see complete terms advertised by XXXX below. For a limited time, you can earn $ XXXX when you have XXXX payroll direct deposits of at least {$1000.00} into your Spend Balance. Start Today! *Disclosure : Receive {$250.00} when you set up direct deposit to your Spend XXXX and receive XXXX ( XXXX ) direct deposits of {$1000.00} USD or more within 90 days of opening your XXXX XXXX. The direct deposits must be an electronic deposit of the account owners paycheck, pension or government benefits ( such as Social Security ). Limit XXXX ( XXXX ) incentive per customer. {$250.00} USD paid as a credit to your Save Balance within 45 days of meeting promotion requirements. Offer may be changed or withdrawn at any time. XXXX XXXX must be open and in good standing to receive promotion incentive.
02/23/2018 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • MS
  • 39532
Web Servicemember
Hello, I was promised a disaster assistance program for 3 or 4 months. My concern when I received the letter for the assistance which was over {$6000.00} to pay by XX/XX/XXXX. I called XXXX XXXX two times regarding the amount and I was told to apply in XX/XX/XXXX for mortgage assistance. However, after receiving letters of promise for mortgage assistance, when I applied it took 2 months to get back to me after the application due to documents needed to be sent in. I also received a letter stating I did not have to fill out an application to receive mortgage assistance. Well as time came near XXXX XXXX was not truthful to me about the mortgage assistance and I am about to lose my home to foreclosure due to an excessive amount of over {$9500.00} I can not afford unless I pay in chucks of payments. The company defaulted and mislead me when I was given the time for forbearance of my loan for those 3 to 4 months. Now, they stated I do not make enough to qualify and will not send the information to VA and I am looking at foreclosure. Not sure of the date as of yet. I have items on my credit report in dispute and they added those items in for liability. My family is looking to be homeless. I am employed but they stated I have negative income and they will not allow VA to obtain a waiver for me to modify due to one modification 2 years ago. VA is willing to submit the waiver paperwork but XXXX XXXX said they will not send it to them. I in need of help.
04/11/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • VA
  • 23324
Web Servicemember
I have a mortgage with Midland Mortgage, they have provided some assistance when I was unable to pay due to COVID-19. Now I have become XXXX XXXX XXXXXXXX through the VA and requesting that my mortgage be reduced which I am entitled and it seems to be a bit more difficult. I have attempted to send the documents via fax and the initial fax number was not a good fax. Then I faxed them using a fax at the library this occurred in XX/XX/2022. I continued to follow up, also let me remind you that I also applied for a reduction in my mortgage due to my XXXX and my income being reduced so they had all of the paperwork the early part of XX/XX/2022. I sent them all of the documentation which shows that I'm XXXX XXXX XXXX and most states have many benefits for Veterans one of the is not paying Real Estate Taxes. Yet, here we are and I'm still waiting for them to deduct them from my mortgage. I've been following up since them and I've been told if it doesn't have a numerical value it will delay the process. Which the document from the city states that I'm entitled to XXXX XXXX exemption. I'm fearful that this Mortgage company is going to start foreclosure process. I attempted to make a payment and had to use two methods of payment and it was refused. I've been struggling to pay many of my bills because I'm adjusting to getting paid once a month. It's unfair for them to say it will take 30 business days when Veterans should take preference in the process.
09/13/2019 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Confusing or missing disclosures
  • MD
  • 21009
Web
I recently applied online for a joint Savings account with Vio Bank, a subsidiary of MidFirst Bank, and I received an onscreen message saying that my application could not be completed, and to call them. I contacted them in the hopes that they needed additional information which I could provide, but they instead told me that my application was denied. I asked why it was denied, and they pointedly told me they would not disclose the reasoning, but that I was welcome to apply again. They further indicated that information they received from a reporting service is what their decision is based on. But, they would NOT tell me what information they received and what agency provided said information. Further, they stated that I would not receive any adverse action notice or any clarifying information from them, as I requested. I even spoke with a Bank Manager who adamantly stuck to the same line of explanation. I am uncertain as to the seemingly negative information that this bank has about me, and they are not giving me a chance to take steps to fix it, especially since I am unaware of its overall implications. I have successfully opened bank accounts in the past without any problems. I need to be able to know what adverse/negative information they accessed, where it came from, and how I can correct such. Vio Bank is unresponsive to my request for any information pertaining to my application and their subsequent decision to deny the application.
06/16/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • CA
  • 92009
Web
After XXXX XXXX, internet based private bank in XXXX XXXX, closed my account in XXXX, 2022 without noticing me, they said they sent my balance check, {$1600.00}, by mail to my bank. However, according to their tracking number by USPS, it has been lost since XXXX 2022. I called numerous times to get proper information on the check. However, they refused to give me right answer. Whatever they said they did were simply not making any sense. They kept on avoiding and delaying my request for proof of check sent and cleared. I even checked with my current bank, XXXX, for delivery confirmation. XXXX can't do any research without check number, address, account number. XXXX kept saying since the casher 's check is cleared, they are not responsible for anything. According to them, it's between me and my bank. However, XXXX kept refusing to give me a check information. If they refund money to me, it should be to my residential address instead of XXXX. Still if they sent a check to XXXX, they should have information about my account on that mail. However, they simply said they sent a check to XXXX. they are not providing check number, branch address, account information. Customer service manager, XXXX, even lied the check had been cleared after month of waiting. However, they can't even track the check on their system. I can't wait any more. It has been more than 4 month. I think XXXX is simply trying to avoid my case instead of researching.
07/30/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • AL
  • 35758
Web
On XX/XX/2021 I was unable to access my XXXX account via the mobile app. I had used the app previously with no problems, but on that date it gave an error that my device did not meet security requirements. I called customer service and they suggested accessing the account through a browser. I tried several browsers on different computers and got the same error, but was finally able to log into online banking from an incognito window. The CSR said I would be unable to use XXXX ( my reason for logging in that day was to send {$1000.00} for a car downpayment ) from the browser, and it would only work from the mobile app. She said they would open a ticket and look into the issue and get back to me. I was never contacted about this issue again, but was able to borrow money from a family member to get the needed funds that day. Starting on XX/XX/2021, I was no longer able to access online banking through any method ( an error said my credentials were incorrect ). I called to have this resolved on XX/XX/2021. I was told I would no longer be able to access my account due to " business reasons '' and my account would be closed. I asked to have my funds transferred to another bank and was told they would not be able to access my funds, but sometime after my account closure, they will my me a check. At this time I can not even check my balance or transaction history, and have no way of verifying if they are actually accounting for my funds.
05/16/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • FL
  • 32578
Web Servicemember
I placed my mortgage into forbearance in XXXX oXXXX XXXX and missed 7 total payments. XXXX of XXXX was the beginning of XXXX and the forbearance guidelines were not fully established by any company. I was assured, however, by Midland representatives upon placing my mortgage into forbearance that the process was simple and that no penalties, no interest, no credit reporting would be enacted by the company and that my misses payments would simply be put on the back end of my mortgage. Long story short, I have been trying to resolve this problem for years! I owe more on my mortgage now than when I started this process, how is this possible? Midland mortgage has reported me over 180 days delinquent to the credit bureaus not once, but twice which is illegal during a XXXX forbearance plan. These actions prompted the filing of 2 prior CFPB reports against midland. This is the only way to get any competent individual from that company to call me back. This complaint is an attempt to try to resolve this mortgage assistance program that midland put me in and never fully approved. I was told they were waiting on the VA, when I have an approval letter from the VA. Bottom line, I am trying to pay what owe and noone can figure this out. It is honestly easier at this point to work the account backwards starting with my original loan balance. The process used by midland is so confusing that the customer nor the employees understand it.
05/15/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NY
  • 114XX
Web
I was a XXXX customer. I went into foreclosure and they received FHA insurance payments towards the loan but did not inform me for 6 months. I contacted The HUD executive team via President Obamas cabinet and immediately I was granted the modification in fact it had been approved for months. I made my payments on time but 5 months later the roof caved in in one bedroom. I contacted XXXX XXXX XXXX. They sent XXXX! XXXX XXXX gutted the entire top floor leaving only the shell of the house. I was informed that I had to pay the contractor to avoid the house from catching a fire due to exposed electrical wiring. I was compliant. The insurance company waited 3 months to submit the check with the contractors name attached. I BEGGED EVERYDAY FOR THE BANK TO MOVE QUICKLY. I CONTACTED THEM EVERYSAY TO AVOID GOING BACK INTO FORECLOSURE BUT they informed me that there property damage and customer service team were both a part of XXXX but did not communicate or collaborate. Soon thereafter I was placed in Foreclosure AGAIN!!! The bank said I had to wait a year to qualify for assistance I waited I was told then that I was misinformed I had to make payments for a year. I was livid!!! I was then transferred to Midfirst Bank. I provided them with all documents but received a sell date of XX/XX/2019. The sell date was made before the midfirst ownership. Midfirst told me that I DID NOT QUALIFY ON XX/XX/2019. Please help me! Please
09/08/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 32225
Web
Hello, I have a Mortgage payment processing issue I'm currently on a Covid 19 forbearance which started XX/XX/XXXX and ends XX/XX/XXXX. I made ( 3 ) Payments and ( 1 ) escrow shortage payment as directed by CSR at the Mortgage Company. I know I'm not required to may any payment but I didn't want to get to FAR behind once the forbearance periods ends in XX/XX/XXXX. I purchased ( 4 ) United States Postal Service money orders and wrote a " descriptive letter and notated my Mortgage information in detail on each ( 3 ) {$600.00} and the ( 1 ) {$42.00} escrow shortage. Sent them overnight on XX/XX/XXXX via USPS priority mail. They were signed, delivered at XXXX on XX/XX/XXXX at the Front desk, mailroom. I started calling on XX/XX/XXXX once the " collections calls started coming from the Mortgage Company. TO this day no one can find the " package '' even with the USPS Tracking # which I have the " full history and provided Mortgage Company. My call history started on XX/XX/XXXX, XX/XX/XXXX, XXXX and XXXX and today and no one has any idea where they are and still no " payment credit to my Mortgage still shows due for XXXX XXXX. Today I have spoken to 3 different Departments to no avail. I called the FHA HUD FHA Resource Center RE : XXXX. I left a message for the XXXX XXXX XXXX and now I'm submitting a complaint. Any assistance to the matter or guidance will be greatly appreciated. Best Regards,
07/27/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • AZ
  • 85212
Web
We, XXXX XXXX XXXX and XXXX XXXX XXXX, attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a paid U.S. Postal Money order, which clearly states at the bottom that it is a negotiable instrument that we bought and paid for the rights to negotiate it. Money order number XXXX was made with the proper clauses and provision based on banking law in the amount of {$420.00}, XXXX in accordance with HJR-192 Public Law 72-10, U.C.C 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to Midland Mortgage , a division of MidFirst Bank XXXX XX/XX/XXXX. They accepted my instrument but did not credit my account. I did call on XX/XX/XXXX and spoke with XXXX XXXX, XXXX XXXX and XXXX XXXX, a supervisor ; this call has been recorded. They refused to stand in honor of the law by applying the proper payment ; even with the agreeing that they do accept legal tender, which is what I provided and the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on. Please see attachments. I've also sent them readings on the " Banking Act of 1933 ''.
03/27/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 79902
Web
From : Midland Mortgage To : Affected Covid-19 Borrowers ( They are requesting that borrowers pay entire amount of the three delayed payments immediately after the forbearanceXXXX. Most borrowers will simply not have the available funds ) Midland Mortgage wrote : COVID-19 update for our customers For customers who may not be able to make their mortgage payments because of the coronavirus, we are offering a short-term mortgage assistance plan that delays mortgage payments for three months XXXX, XXXX and XXXX. How the plan works : You arent required to make regular monthly mortgage payments for three months. And for those three months, no late fees will be charged and delayed payments wont be reported to credit agencies as past due. At the end of the three months, all three delayed payments ( and any other past-due payments ) will be due. If you are not able to make the payments then, well evaluate you for additional mortgage assistance options. If you decide you dont want or need to delay your payments for three months, let us know on our website or reply to this email. Next steps : Well send you a letter outlining all of the details of this short-term mortgage assistance plan and the next steps to take. If you have any automatic payments scheduled for XXXX, you should go ahead and cancel those. Thank you for your patience while weve worked on ways to assist our customers during this crisis.
12/31/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • IN
  • 46052
Web
Please reference complaint IDs XXXX, XXXX, XXXX, and XXXX Once again, Midland Mortgage is being XXXX and retaliating against me for filing with CFPB and XXXX. First off, in reference to the city shutting the water off, that could not be further from the truth. I have attached photos of the water turned on from my faucet. I also attached the notice from XXXX properties that was on the door stating they shut the water off. XXXX properties is the property management group hired by Midland Mortgage falsely claiming the property was unoccupied and vacant. There is overwhelming proof that disputes that. We closed on the house and the new owners took over on XX/XX/2021. Midland keeps harassing me, calling me every week, asking if the house is occupied. It even shows on my account as being paid off. To make matters worse, they fraudulently reported to the credit bureau a 180-day delinquency on XX/XX/2021. I have never experienced such blatant fraud committed against me from a financial institution. The house has not been in my name since I sold it on XX/XX/2021 ; plus, I was in the covid protection plan until at least the end of XXXX like so many others. Off to The Michigan AGs office I go. I wonder how many people they have done this to? They do not even have any branches or offices in Michigan. I am not sure why XXXX sold my mortgage to this bank but you can believe it was with bad intentions.
03/04/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • TX
  • XXXXX
Web
During the month of XX/XX/2015 I made a lump sum of 80,000 to pay off my mortgage. I then contacted my mortgage company about lowering my payments because the amount I owed was less than what I owed on my car. The mortgage company XXXX Midland Mortgage ) suggested that I modify my loan to lower my payments. They said my payments would go down from 1200 to 600 if I participated in a modification program. I was then told to not make a payment and that the company would be sending me new loan papers. I then received a late notice in the mail after I did as I was instructed and I called the company to notify them that I was confused on why I was getting a late notification when I was told not to pay my loan by their representative. They then told me to ignore it and that once I complete the modification the loan would show current. I did as I was told but at no time was I notified that this was being reported to my credit bureaus as late payments as it was my understanding that the loan was being modified internally. I was a customer that did not have problems paying my loan as I had just paid 80,000 to my loan. If I follow the plan that they want me to stay on, for a balance of around 24,000 dollars I would end up paying them XXXX for the life of the loan. The company wanted me to appear as if I was struggling to pay my loan to get federal approval for the modification when that was not the case.
12/01/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 11550
Web
onXX/XX/XXXX I took out a mortgage loan with XXXX XXXX XXXX XXXX XXXX for the amount of {$300000.00}. I was promised a low interest rate and low monthly payments, as advertised. The lender did not fulfill its promise ; the mortgage monthly payment and interest rates were higher than promised and it only kept increasing. I defaulted on my mortgage because I could not keep up with the increasing mortgage payments and inflating interest rates. On XX/XX/XXXX, there was an assignment of mortgage filed with XXXX County Clerk 's office. The assignment of mortgage assigned the mortgage from XXXX XXXX XXXX XXXX XXXX XXXX as a nominee for XXXX XXXX XXXX a New York Corporation to XXXX XXXX XXXX XXXX XXXX as trustee on behalf of holders of OPTEMAC Asset Backed Pass-Through Certificates, Series XX/XX/XXXX. The assignment of mortgage has the date of mortgage as XX/XX/XXXX in the amount of {$350000.00}. How is that possible when I purchased my house onXX/XX/XXXX in the amount of {$300000.00}? OnXX/XX/XXXX XXXX started an action against me in the amount of {$350000.00}. How is that even possible when I had paid well over {$91000.00}. I have tried fixing the problem several time. Every time I submit a loan mod it either take a long time for them to process or I am always getting denied. I am a victim of the housing crisis and I feel that there is a fraudulent element to what is happening to my mortgage loan.
04/12/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 90037
Web
To whom it may concern ; Midland mortgage, is still being deceitful in their dealings and business practices with me. On XX/XX/XXXX I filed a claim against them for not being clear about my recovery options and being illusive in regards to the calculations I received. On XX/XX/XXXX at or around XXXX XXXX XXXX, XXXX XXXX offered me XXXX for my new monthly payments, which I accepted. I wrote in to CFPB make sure it was calculated according to the rules, due my poor experience with Midland mortgage. Midland mortgage responded stating, that is the agreement and to get my utility bill in asap. I immediately complied and sent them the document. After calling in several times, they finally verified receipt of document and later sent a letter confirming. On or about XX/XX/XXXX I looked at the modification Midland mortgage has sent and it is totally different than the amount we agreed to and it has a higher interest rate and amount to the price of XXXX. I called in and spoke to a loss mitigation officer who told me, that the interest is calculated from the time it is offered. They made error in calculating my mortgage with the recent rates. The records clearly shows and confirms my offer was made on XX/XX/XXXX at XXXX XXXX by XXXX XXXX and confirmed through correspondence. Please find attached Midland mortgage modification, acknowledgement of offer and confirmation of utility receipt. Thank you
09/02/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 92592
Web
Prior to being discharged from our Chapter XXXX bankruptcy in XXXX XXXX, we have encountered nothing but problems with Midland Mortgage. Since XXXX, they have shown resistance to helping us. Only with the help of loan modification lawyers combined with our bankruptcy was some measure of relief provided for us. Upon receiving notification that our Mortgage Interest Rate and Payment were going up, we submitted a request for help on XXXX XXXX. After weeks of miscommunication and " submit these required documents '' -- of which they had already, and repeatedly received - we were told this morning, XXXX XXXX, that they could not help us as our income was too high. We repeated to the person on the phone that the income submitted had overtime included. Overtime is not guaranteed and their decision should stem from the base pay. Further, we were told that we would not be eligible for the HARP program unless we missed a payment, a sign of hardship. Since our records show we were current, we have essentially shown we are in not in a position of hardship. Midland has shown from the moment they took possession of our loan that they do n't care for us as homeowners. We are trying to get away from having to ruin our credit and save us from the hardship from the near {$4000.00} house payment on a single income. However, it 's clear to me they 're all too happy leading us to both those results.
07/11/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 90027
Web
My brother, XXXX XXXX XXXX, passed away on XX/XX/2021. My brother had a long bout with XXXX before he passed away. Beginning in XXXX of 2021 I have been trying to assume his loan along with seeking mortgage assistance from the assistance department. This process has been absolutley horrific. It took Midland Mortgage 4 months to send me an assumption package, while telling me over and over and over that it had been sent. I notarized and returned the package immediately, on XX/XX/XXXX, have called multiple times to confirm that they had all the documents they requested only to have them request the same documents over and over. I have sent his death certificate so many times that it is at the point that another request of this is inhumane and borders abuse. The same has happened with the Assistance Department. I have sent all the documents requested, have been told that my file is complete over and over, even in writing only for Midland to kick my file out for not being complete and place the property in foreclosure. I have been proactive, calling several times a week to make sure that my application and assumption is on track. I have been told that it is only for someone else to kick out my file and request all the same documents over and over again. This needs to be resolved and regardless of all my efforts Midland Mortgage has still be unable to make this happen. It's absurd.
10/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OH
  • 44143
Web
I opened a montage with XXXX XXXX in XXXX of XXXX. Never been late. In XXXX of XXXX I took advantage of the Covid Relief program. From XXXX of XXXX to XXXX of XXXX I was in the program. I was contacted by Midland Mortgage around XXXX or XXXX of XXXX, letting me know that my loan was sold to them. We made arrangements that I will come off of the Covid Relief program on XX/XX/XXXX. I made a full montage payment of XX/XX/XXXX, another full payment in XXXX, XXXX and XXXX. I sold my home in XXXX and on XX/XX/XXXX the title changed to the new owner. My loan was paid in full on the date and I was issued a check for what was left over. At that point my credit report was fine as it pertained to my mortgage. They didnt mark me as late or on time. XX/XX/XXXX I checked my credit report and Midland had reversed my covid relief status and thus making my forbearance period I had the previous year all delinquent. This is one of the promises of the program for homeowners not to get adverse credit reporting due to the pandemic. Not only have I never been 30 days late on my montage, this bad credit reporting all happened after I paid my mortgage off. On top of that, Midland is reporting 3 different things on the 3 major credit bureaus. All showing I have a balance with them although I dont have a balance. Midland wrote me a check for over $ XXXX on XX/XX/XXXX for what was owed back to me.
09/02/2022 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
  • MD
  • 206XX
Web
During XXXX, I was placed on the FHA COVID Forbearance program via Midland Mortgage because of income loss during the pandemic. I was told while on forbearance, therell be no negative reporting on my credit report. XXXX forward to XXXX, I recently found a job that will help me pay my mortgage and was advised by Midland to apply for a partial claim to cover the balance thats in forbearance, in addition, while awaiting approval for the partial claim I will not be subject to negative credit reporting. I received the partial claim package on XX/XX/XXXX with a submission deadline of XX/XX/XXXX. On XXXX XXXX, I received notice from XXXX that I was reported for being over 120 days late on my mortgage. Please keep in mind that I was told continually that there wouldnt be any negative reporting during this whole process. So, I called the mortgage company to inform them of the issue and they said the decision to report the negative rating for the forbearance period was by the credit bureaus. They ( Midland Mortgage ) also said that they didnt send negative information for them to report. I contacted XXXX on XXXX XXXX and they stated it was Midland Mortgage that reported my account late. Unfortunately, no one is able to assist or willing to investigate the issue. Please see attached documents from Midland indicating forbearance and negative credit reporting protection.
05/11/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 76013
Web
I was approved for a grant through the Federal HAF program. My principal balance is only {$14000.00}. Midland Mortgage sent a message to Texas HAF that they required a payment of {$14000.00} to bring my loan current. HAF sent the payment amount of {$14000.00} that Midland Mortgage received on XX/XX/2023. Midland Mortgage refused to post the payment to my loan for 23 days. I made several calls and complaints to Midland Mortgage during those 23 days and repeatedly asked to speak to a manager but was never able to. Midland Mortgage finally posted the payment on XXXX, but are now saying that I still owe over {$9000.00} for my principal balance and that my loan is past due for 2 months!!!! Midland Mortgage has been charging me erroneous {$20.00} fees when they are not supposed to be charging ANY fees while my loan is under HAF review. Midland Mortgage needs to adjust my loan by waiving all late fees, erroneous " other fees '' and reapply the entire payment to my principal balance. The whole point of HAF is to help homeowners bring their loan current and help with 3 future payments until the homeowner is able to get back on their feet. Midland Mortgage has caused me and my family severe stress since I applied for the program back in XXXX. I just want my loan balance zeroed out and I will pay my own taxes and insurance at the end of the year. I want my lien released.
09/19/2022 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • VA
  • 227XX
Web Servicemember
I started a deferment on a mortgage with XXXX XXXX in XXXX of XXXX. I have been furloughed from my job from the beginning of the pandemic until XXXX of XXXX. The accepted the deferment. Once I was ready to get off the deferment I was approve for a modification of payment with the company because I had a VA loan. The moment I completed my 3 payments of XXXX the sold my loan to Midland Mortgage and the problems began. I filled out documents because they said I need to resubmit everything in XXXX of XXXX. In that month they have me denied by the VA to modify my loan. They say I must be current. They say on XX/XX/XXXX midland mortgage says no worries we have all the documents to resubmit your paperwork. They dont. I call back on the XXXX of XXXX. Nobody resubmits. Midland mortgage expresses dont worry we will resubmit, they give me I dont know what happened. I pay XXXX, XXXX and XXXX! And then the say they need to stop taking my payments because they started the foreclosure. I get a letter from the attorney saying you have 10 days to pay XXXX. Midland mortgage can not supply with with record that they resubmitted my request the additional 2 times that they said they would. My credit score is to the point where I can not get a loan for the money nor do I have enough time to apply for assistance. The reviews for Midland Mortgage are mostly just like my complaint.
05/13/2020 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60451
Web
In complaint XXXX, the company agreed to report the account, which was timely paid under a trial plan, as current. The exact words : " MidFirst has requested the credit reporting agencies to which it reports to revise the credit for the consumer to show the loan paid-as-agreed for the months of XX/XX/XXXX through XX/XX/XXXX. MidFirst has not received any communications in response to this request and, because it thinks that the credit revision resolves the consumers concerns, has not planned any follow up action in response to the complaint. '' On or about XX/XX/XXXX, the action described above was taken on all three credit bureaus. However, Midland has now reversed course and worse. As of today, XX/XX/XXXX, Midland reported numerous >90 past due for XXXX, PLUS it has failed to record the timely-paid XXXX and XX/XX/XXXX payments to the loan, and added a note that claims that I am not paying the loan because I am " affected by a natural disaster. '' This reversion to the history presently appears in my XXXX report, and the other two reports include the refusal to report my timely XXXX and XX/XX/XXXX payments and the notation that I am not paying the loan because I am " affected by a natural disaster. '' I attach proof of Midland 's reneg on its previous commitment as well as proof of timely payments and a copy of the previous complaint and resolution.
11/28/2020 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • CT
  • 060XX
Web
I have a mortgage with midland mortgage a division of mid first bank, out of XX/XX/XXXXXXXX ok. We pay our mortgage on time every month. We have had to contact them several times about posting our account as late, when it is not. We requested a print out of all of our history. Which we paid {$100.00} for which was not a full history and was not correct. They continue to send statements every month after we have paid our mortgage. And they dont make sense, with Outrageous fees that continue to occur over a period of time. We called for a pay off amount. They could not provide that either. This is Affecting us dramatically. We are in the process of waiting for a home equity loan. I have a medical condition and need to have a medically Necessary XXXX. That continues to be prolonged do to errors on the mortgage company part. Which are effecting our credit. We have worked very hard to get this loan. My life is at risk. My family and I where informed I should not wait any longer to have my XXXX. And this is causing things to be pushed out further then Necessary. We our completely frustrated with going back and fourth with them to correct this. We need this loan now. And this mortgage company needs to get there records in order. Its there Responsibility to their consumers and their customers. We pay our bills on time we expect things to be reported correctly.
04/29/2019 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • AZ
  • 85224
Web
Midfirst Bank came to my orientation at XXXX university. They offered a {$100.00} bonus if you open a bank account with them that day. I spoke with them after the presentation and gave the guy my application. He stated he would come back in a few hours to help me make my initial deposit and get me my bank card. The representative never returned and I had to go days later into the bank at XXXX to speak with the manager about why my application was not processed. He apologized several times and said he would make it right. He helped me get my card and stated I would receive more information via email or mail and I never did. I setup direct deposit and waited. They told me I would get the {$100.00} a week after and it never came. The lady on the phone said I would get the bonus, I would just need to wait 4 weeks. I waited and still no bonus. I called today and they are refusing to give me the bonus. I advised the manager when I went in to the office I told them I would NOT open this account if I could no longer get this bonus. He clarified several times he would take care of me and not to worry. I called today and spoke with someone at the branch, he said he spoke to the manager and he said he would not honor it. I advised again he promised me when I went into the branch originally I would get the {$100.00} bonus that was advertised at the orientation.
09/13/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 335XX
Web
I have a mortgage with Midland Mortgage. I am being charged extra fees on the account monthly. I am not late on the payment, paid well in advance. It is a modification loan from XXXX. I have requested several time for a reason for the fees and a history of the account as well. I get transferred from person to person, they tell me they are going to mail to me in 7 to 10 days. I have yet to receive the documents from them. I also made a large payment on account back in XXXX and have called to find out what happened to the payment and to provide how it was applied, no documents provided. I have emailed the VP of Midland, as well. Have not received any responds, as well. I am finally had a place in my life, that i can deal with the stress and try to get answers from them. I was over paying my mortgage each month as they estimated my escrow account by almost {$100.00} a month. Then they created these extra fees and started applying the over payment each month to the fees instead of principal on the loan. When ask to speak to a supervisor, they transfer to another co worker instead. I have looked online and several other people are having the same issue. They prey on people when they are at the weakest and take advantage of them with this so called fees. I have made several attempts to work this out with Midland Mortgage with no results. Thank you.
12/22/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
  • GA
  • 302XX
Web Older American
We were charged legal fees on XX/XX/XXXX in the amount of {$1500.00}. We have been paying on that in the amount of {$50.00} per month. 8 months later they started adding additional fees which is listed below We have extra fees being billed. XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX The only thing it says is Legal Fees. I want to know what these legal fees are for and they are not explaining this. It appears as if each month they are billing Legal Fees. This is unacceptable. Every time we inquire about this, they tell us they are investigating this matter and this has been going on for 3 months now. On XX/XX/XXXX we spoke with Midland Mortage and they indicated that these extra fees were related to the first Legal Fees of XXXX on XX/XX/XXXX and that XXXX XXXX was the one that instigated these additional fees. They advised us to contact XXXX XXXX. We did contact XXXX XXXX and they advised that there was a delay in filing the paperwork with the courts and that they sent a copy of what they filed to Midland Mortgage. There was absolutely nothing that Midland had to do other than open the mail. They did not have to file or sign any paperwork. We are paying additional money per month to the principle in order to pay the mortgage off sooner and it appears that since we have started doing this, now we are being billed additional fees.
11/17/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • AZ
  • 85704
Web
I have received no written communication from Midland Mortgage or their attorney about foreclosure of my home, prior to a non related 3rd party arriving at my house XX/XX/2022 telling me I was in foreclosure and asking to buy the house. I assured him there was an error as I had spoken to the bank a few days prior about a modification, as I had the HAF funds applied to my account and have been approved for a COVID loan modification. He told me a title company gave him the info. To date, no one with Midland Mortgage or their foreclosure attorney office has been able to provide any confirmation i received any information from them and have told me they mailed it. When asked if there were any signatures or certified documents, I was told no, they mailed them 1st Class and referred to the attorney. After explaining to the foreclosure attorney ( I had to contact Midland to get the information for the attorney as, again, I had and still have no info ) the situation on XX/XX/2022, I was told that they mailed it, and told by her I received it. When I asked how she knew I received it, she said because they mailed it. When I asked about proof, she told me to get an attorney and hung up. Within an hour of thqt exchange, a man arrived and taped a photocopy of the trustee deed of sale on my door, took a picture and left. He didn't ring the doorbell.
04/06/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • MD
  • 20744
Web
Do to wage loss- we fell behind and currently have a foreclosure date of XX/XX/XXXX. Midland Mortgage has not been very helpful w/ providing assistance. In XX/XX/XXXX, the rep said my only 2 options were 1 ) pay the balance in full or 2 ) get a short sale. Not until I called in XX/XX/XXXX w/ a HUD Counselor that they considered another option of partial claim. After applying & weeks of waiting- now they have stopped processing because my income is insufficient for partial claim. It should not have taken 3 weeks to review my pay stubs to determine that .... before making me gather all my bills, etc. Also, in XX/XX/XXXX they told me XX/XX/XXXX was my last modification and I have to wait until XX/XX/XXXX to apply for a new one. Technically, that would be XX/XX/XXXX. Only today, they changed it to say 2 yrs from the recorded date which is unknown to them??? " You can re-apply in XX/XX/XXXX and maybe we 'll be able to process it then '' she said- so uncaring. I have a foreclosure date of XX/XX/XXXX. What if it was recorded 2 months later? My house will be gone by then? I 've had this home for almost 20 yrs. And do n't want to lose it. Although it takes 6 weeks on average to record a deed, the purchase date is always used because that 's when you became the owner, responsible, etc. Everything is settled at closing ... not when recorded.
10/26/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • An existing modification, forbearance plan, short sale, or other loss mitigation relief
  • MD
  • 21146
Web
On XX/XX/2023, my XXXX XXXX FHA mortgage was sold to Midland Mortgage while I was in the middle of a medical forbearance. In XX/XX/2023, I started receiving aggressive threatening collections calls more than once a day. A month after Midland Mortgage received my mortgage, they sent me a pre-foreclosure letter giving me a short amount of time to correct the situation. I called Midland Bank in XXXX to inform them the mortgage was in a forbearance until XX/XX/XXXX at that time they informed me that XXXX XXXX never gave them anything stating that, I spent over an hour on the phone with them and finally someone told me they located the mortgage documents, and I was on the Unemployment Plan. I stated I never heard of an unemployment plan and how XXXX information on this new status they have given me. I was instructed by Midland to re-apply for their mortgage assistance, but I informed them FHA stated they had to honor the terms they obtained the mortgage with. I thought during the forbearance period I was under some type of federal production? The Midland Mortgage representative instructed me that I was in pre-foreclosure on a recorded call. I have been forced during a forbearance period to try and prevent my mortgage from foreclosure so I am seeking legal counsel. Additionally, I was file a complaint with the XXXX regulatory entity.
03/12/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AR
  • 72120
Web Older American
I took a loan forbearance due to Covid. I applied for assistance through the Arkansas Homeowners Assistance fund. I was approved in XX/XX/XXXX for funding. It took months and numerous contacts for the mortgage servicer to locate the form authorizing a wire transfer. Funding of {$16000.00} was wired on XX/XX/XXXX. It took weeks of calls and contacts for the servicer to " find '' the funding. The funding was posted on XX/XX/XXXX and did not start getting applied until XX/XX/XXXX. I have made numerous requests to have " fees '' now totaling {$260.00}, explained to me as well as a review of my escrow account. I have tried to figure it out by way of their website to no avail and got no response from the servicer. The mortgage payment amount they claim due is not accurate. By my calculations, tax {$860.00}, Insurance {$2100.00}, MIP {$120.00} for a total of {$3100.00} divided by 12 equals monthly escrow of XXXX plus P & I {$410.00} equals a monthly payment of {$670.00}. The application of the assistance funds is posted out of order and includes unapplied funds. No clarification of this has been provided by the servicer despite repeated requests to do so. I have another complaint, XXXX regarding credit reporting that I have been trying to get resolved since XXXX. They continue report inaccuratly and verify the information as accurate.
01/23/2024 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Unable to open an account
  • CT
  • 06511
Web
On XX/XX/XXXX, I attempted to open an account with Vio Bank at www.viobank.com. I received a notice that my account was opened successfully and that two trial deposit amounts would be put into my existing bank account and I needed to confirm the amounts of the small deposits. Nothing was ever deposited into my existing bank account. I contacted Vio Bank customer service on XX/XX/XXXX and was told that my existing bank refused the deposits and that I needed to open a new account at viobank to try again. Customer service said they could not open an account over the phone. I then submitted a second account request and received a notice of adverse action. My husband and I contacted customer service for VioBank again via phone and was told they can not tell me why my second application was denied. They said it was not credit based, but likely something in my application did not match their databases. I do not understand what did not match in XXXX that matched in XXXX. How can I possibly address this without any further information why I'm being denied? This isn't a credit application, this is for me to be able to deposit my money in their bank. This is nonsensical to be denied access to open a deposit account without any explanation or clarity. This process is denying access to the XXXX and anyone who is not clairvoyant.
12/17/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TN
  • 37075
Web Servicemember
My FHA Mortgage was originally with XXXX XXXX. I have always paid my Mortgage on time. However during the pandemic shutdown when I was kept from working, I had to put my mortgage on a COVID-19 Forbearance. When that Forbearance ended I signed a XXXXartial Claim Deed Of Trust stating that the balance was to be paid back if I sell my house, in the case I refinance or by the due date of XX/XX/2049. Now Midland Mortgage has purchased my loan from XXXX XXXX and they have not been honoring the Partial Claim Deed Of Trust I signed back in XX/XX/2021. They have been sending default letters in attempt to collect that debt claiming that if I do not pay in full by XX/XX/XXXX they will escalate to foreclosure. Besides the fact that my partial claim deed of trust clearly states the balance isnt owed until XX/XX/2049, that balance is owed back to XXXX, XXXX, not Midland Mortgage. Ive made several attempts to resolve this with Midland Mortgage. Ive sent Notices of Errors, I have sent request for accurate Information & I have made several phone calls. Every time I speak with Midland Mortgage they claim they are waiting on all the documentation needed from my previous lender XXXX XXXX in order to update my account. However when I contact XXXX XXXX they claim they have transferred all of my documents required to Midland Mortgage.
08/13/2021 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TX
  • 78212
Web Servicemember
I was going through a divorce in XXXX, we were contacted by an investor who offered to take over the payments and drew up contracts promising to pay off our mortgage and take it out of our name in 5 years. He stated at any time if they were late on a payment or failed to maintain the home we had the right to take our home back. Every time a late payment was made I attempted to contact the investor, the mortgage co and was threatened with a lawsuit if I ever contacted the mortgage company again. I now own a home that is in need of major repair, I attempted to get an equity loan to pay for the necessary repairs, my credit was declined due to debt to income due to the above property. This is always an issue when I apply for credit. I have tried speaking to lawyers about this issue and the story is always the same : the house is no longer mine and there is nothing I can do about it. I have the contract that we signed and he failed to comply with the terms. After we signed the contract the Title company attorney that drew up the papers was on the news for frauding homeowners and scamming people. The Mortgage company allowed them to take our credit and do a wrap-around loan of some sort. The investor turned around and sold the property to a Mr.XXXX accepted a lard down payment and did not apply it to the loan.
09/12/2021 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account information incorrect
  • VA
  • 23324
Web Servicemember
During the pandemic, while out of work and sometimes having my hours decreased I took advantage of having my mortgage payment deferred with Midland Mortgage which was a great help to me. There were no late payments and no interest during this time period which I want to say occurred for a period of at least 18 months. After that time, I did a modification with Midland Mortgage and my mortgage was decreased to {$1000.00} approximately. On my credit report, Midland Mortgage did not report at all the removed the mortgage all together as if I don't own a home and this impacted other creditors where they either closed my accounts or decreased them dramatically to credit lines of {$100.00}. I have other accounts where they are in deferment like student loans and they just state the facts which is what you are to do that the account is being deferred. However, this is not what Midland Mortgage did to my loan. Also, I am not permitted to make my payments online like other customers and have to call in the payment. I feel like I'm being treated differently, because of the Pandemic which is not my fault. I'm making a formal complaint for the credit reporting or lack thereof and an immediate correction and anyone creditor that reviewed my credit to receive an update with the correct information and an explanation.
04/27/2021 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
  • UT
  • 84119
Web
XX/XX/2020 I tried to pay my mortgage late. It was denied and XXXX XXXX XXXX put me in the COVID CARE ACT refusing to accept XXXX/XXXX payments, marked late on my credit reports, sold the loan to Midland Mortgage as a refinance raising my monthly mortgage payments, sold to HUD with a Partial Deed of Trust. I have had my credit repair company work with me in sending XXXX XXXX XXXX monthly letters for six months with NO reply or repair on my credit reports. When my home went into contract to sell the property in XXXX the Partial Deed of Trust showed up on the title records to the property with payment to be made in full to the Deed Claim. The refused payments were made to Midland Morgage in XX/XX/2020 along with the XXXX payment to bring the mortgage current. Midland also made several attempts to understand the split of the loan and could not get communication from XXXX. I have mailed letters to the Secretary of State, XXXX XXXX XXXX, and CFPB by certified mail and am still waiting for a report on financial facts proving my statement as NOT owing the Partial Deed of Trust. I am nor was in Bankruptcy. I am nor was in Short Sale. I am nor was in Foreclosure. WHAT I AM is XXXX with cash to buy my next property and can not get a loan due to the false reporting of XXXX XXXX loans on my credit reports!
09/23/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • UT
  • 84070
Web
Midland Mortgage bought my loan from XXXX XXXX XXXX on XX/XX/2020. I was in the COVID-19 Deferral Program when my loan was bought. I owed {$8400.00} in deferred payments. On XX/XX/2020 Midland mortgage asked if I wanted to continue with the deferral program and I said yes. On XX/XX/2020, I was able to make all past mortgage payments and get myself caught up on my payments. On XX/XX/2020. I made my regular monthly payment. All payments were drafted from my account and credited to my mortgage. However, when I asked to be removed from the COVID-19 deferral program on XX/XX/2020 and XX/XX/2020, I was told that the process was in place and that I would be taken off the program. This was never done. In fact the opposite was done and they continued to extend my deferral program to future dates instead of removing me from the program. On XX/XX/2020. I requested that the process is completed again as well as a status letter be mailed to me and was told there everything was in process again and to check back in two more days. I have been trying to refinance my mortgage and take advantage of the lower interest rates and they are putting that process in jeopardy. I honestly feel that this is a breach of contract and they should be held accountable for their actions.
05/26/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IN
  • 46322
Web
Midland Mortgage from Oklahoma XXXX. i send a paymet of {$8200.00} to cover my last 2 months and also pay 3 months in advance due to my health issue i didnt wanted to have to worry about mortgage i send it thru mail certified letter post office advice my midland mortgage should receive letter by monday i called wed to make sure everything is good and payment was applied as i explain 2 past due and 3 months in advance to my surprise XXXX ID XXXX advice me no payment have been posted she said she was going to email cashier and payment shoul be posted by the end of the day i explain to her tracking # is telling me letter was received monday she said no to worry to call tomorrow which i did spoke to XXXX id XXXX i asked her if payment has been posted she stated no payment has been received i explain to het i spoke to XXXX and she was going to email cashier she said no email was sent and she has to put a summit of lost check and is going to take time to track payment... how does a payment gets lost????? I WANT MY MONEY APPLIED TO MY MORTGAGE IMMEDIATELY AND WAIVE FEES THEY HAVE CHARGING ME FOR THIS COMPANY MIDLAND MORTGAGE IS NOT HERE TO HELP OR HELP US SAVE MY HOME I FEEL THEY WANT ME TO LOOSE MY HOUSE, AFTER I HAVE DONE EVERYTHING THAT IM SUPPOSE TO PLEASE HELP ME.
09/16/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • CA
  • 91011
Web
XXXX XXXX XXXX gave me a term sheet on XX/XX/21. My loan broker, XXXX XXXX, dealt with the bank 's VP, XXXX XXXX. There is written communication between them clearly showing the bank 's rep made a mistake which triggered a higher rate than what's on the signed Term Sheet. In spite of assurances to take care of the excess charges & incorrect fees, the bank is refusing to honor their rates & fees per the term sheet. Based on the bank 's mistakes in changing the locked interest rate to a higher rate, XXXX XXXX gave written assurances to credit the {$4800.00} loan fees. In addition to this, the bank has made several written promises to send the {$250.00} excess charged incorrectly by them for an inside appraisal fee. They also owe the difference of excess title fee charge of {$420.00} ( charged {$1700.00} as opposed to {$1300.00} ). Loan closed on XX/XX/21. I have made numerous attempts to resolve the matter with various senior representatives of the bank. They are not honoring the commitment made verbally and in writing by a vice president and relationship manager of the bank to the borrower. The Senior VP & Regional Manager, XXXX XXXX, has been using a delaying tactic to defraud the borrower. She has even refused to let the borrower know who her superior is.
11/04/2022 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • NJ
  • 07621
Web
I was trying to refinance my home with a new lender, and during this process we found out that we needed to have the Covid relief HUD partial payment paid off before we can refinance. Unfortunately, our current lender Midland Mortgage never claimed the partial payment from HUD and due to this negligence I am now not able to refinance my home before the new lender rate expires. I have contacted HUD, who stated that Midland never claim the partial payment and they have no record of such lien. I have tried resolving this issue for several weeks now and just keep getting the round around from Midland Mortgage. I have spoken to several reps and supervisors ( rep XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Loss Mitigation supervisor XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and all I get is lies. They claim that they submitted the claim in XXXX but HUD has no record. They claim that they don't know what happened and that the claim is " in limbo ''. REALLY!! Then they claim that they were having problems processing the claim with HUD.???. Today XX/XX/2022 after several weeks OF LIES now they claim that upper management is working on it. I am unable to refinance my home and have lost the rate with the new lender due to the incompetence and negligence of Midland Mortgage.
09/12/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • WA
  • 989XX
Web
Midland Mortgage ( XXXX ) is currently servicing my FHA mortgage. I have also applied for a loan modification on numerous occasions and XXXX has refused to submit the modification requests for underwriting to the FHA. Since the FHA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the FHA is unaware of the partial claim, they were clearly in the dark on the loan modification process. XXXX is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. XXXX also has an obligation to process the loan modification with transparency and clarity per the National Mortgage Settlement of XX/XX/XXXX. XXXX has refused to cooperate and has set a foreclosure sale date of XX/XX/XXXX. Based on the violations listed herein, I am seeking your assistance on this matter. XXXX is in clear violation of CFPB mortgage servicing rules as well, since they have refused to complete underwriting on complete loan modification packages submitted. XXXX has implemented a foreclosure sale date of XX/XX/XXXX. Overall, I feel deceived by XXXX on a number of counts and I am seeking your assistance on this matter.
04/27/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NJ
  • 080XX
Web
I am currently a victim of a tornado. A tree fell on my house. My insurance company issued a check to me and my mortgage company. My mortgage company has only given me {$25000.00} first installment to complete the roofing part. For the past eight months they have asked me to submit several types of paperwork to get the second round of checks for {$26000.00}. To fix to fix bathroom. I have given them itemized bills from my contractor. My contractor and I have been keeping in touch with Mid mortgage about starting the second phase of my house. Its now going on five months and they are still refusing to issue me the second part of the check. As a result black mold has grown. Other problems are existing because they are not keeping up with the end of the contract now they are talking about for closure and keeping my money. The insurance money thats left over. The initial check was for XXXX. Plus extra if I ran into it. I did run into extra but my insurance company said that I took too long and that money expired. So now Im only working with XXXX instead of XXXX. I was just Thought they were not going to fix the new problems because they arent on the original list. What can I do and who can I talk to so I dont lose my house and I can get my home repaired
03/30/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IL
  • 62002
Web
In XX/XX/XXXX I went on unpaid FMLA for giving birth to twins. I fell a couple of months behind on my mortgage and applied for temporary mortgage assistance with XXXX XXXX XXXX. In XX/XX/XXXX I was placed on a forbearance for 3 months. I started a new job XX/XX/XXXX and in XX/XX/XXXX my forbearance was extended until XX/XX/XXXX and a plan was set up for me to make a payment every XXXX weeks so that I would be current on my loan by the end of the extension. On XX/XX/XXXX I called to schedule the next payment for my mortgage and was told my loan had been sold to First Midland Mortgage. When I reached out to Midland Mortgage they told me to call back after XX/XX/XXXX when they would be able to access my loan details. I called them on XX/XX/XXXX and was told that I was two months behind on my mortgage. I asked why my forbearance did not transfer with the loan and was told they don't have any record of me ever being on a forbearance and that they would be reporting a late payment on my credit report. This should not happen as I had a plan and a date to be current on my mortgage. They told me I would need to reapply for assistance with them and wait up to 30 days for approval, but even that would not stop the negative remark on my credit report.
02/03/2023 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • OK
  • 741XX
Web
I have a mortgage with Midland Mortgage and I have two offers. I have sent that info to Midland Mortgage. And yet I have not received anything. I also have a complaint about the XXXX that Hud sent Midland Mortgage to apply to my loan that was NEVER applied..I have not received anything about that. It has. I have been told that insurance is being paid twice a year and taxes are paid more than once a year. I seriously do not understand these charges that I am not aware off. And when asked I get no answers. I need a print out of the interest that has accured and also the insurance payments and the tax payments. I have yet to receive anything and when I call no one has a clue I am talking to the wrong dept. This mortgage company has alot of explaining I believe these are bogus charges. My insurance has NEVER changed. Paid once a yr and the insurance is less than XXXX a yr and also the taxes is less than XXXX a yr. They are saying they paid $ XXXX in insurance and taxes. Show me! Why is it taking Midland Mortgage so long to send me the proof and info. This Mortgage company is a scam and a fraud. I need answers. I am trying to sell the house to get away from this Mortgage company and it's scam..the government needs to looks into this company.
05/15/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30157
Web
My issue is with XXXX 's continued use of two accounts on my credit file. They are XXXX XXXX XXXX and Midland Mortgage. Both of these accounts were reaffirmed in a bankruptcy I filed in XXXX. The derogatory marks on my credit report related to that bankruptcy SHOULD NOT be reflected on my credit report. It is important to note that XXXX does not show these accounts! Further, both of these accounts have been closed for quite some time XXXX XXXX account was closed on XX/XX/XXXX and Midland Mortgage was closed on XX/XX/XXXX. ) I was NEVER late on either of these accounts! There should not be anything derogatory on my credit file - whatsoever. I contacted XXXX to advise of the situation, and they said there was nothing that they could do. They said it had to do with the " reaffirmation of debt '' status and THAT IT WOULD NEVER BE REMOVED!! This is so ridiculously unfair and has to be illegal!!! They said that I had to dispute with XXXX and Midland! WHY when they should be removed from credit file - the companies have already reported 100 % on time payments and closed! There should not be any negative/derogatory remarks on my credit for a bankruptcy filed over ten years ago!! I want these removed immediately - as per FCRA guidelines.
05/28/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 33321
Web
On XX/XX/XXXX at XXXX I called XXXX Mortgage to make my regular monthly payment of {$2200.00} for the month of XXXX. I spoke to XXXX and she informed me that an escrow analysis was done on XX/XX/2021 and that a letter was sent to me dated XX/XX/2021 advising me that effective XX/XX/XXXX my payment is {$2700.00}. I told XXXX that while I understand there may be an escrow shortage Midland Mortgage has to provide me with a 30 day notice before any changes take effect and increasing my payment XX/XX/XXXX is a violation of XXXX XXXX XXXX transferred me to XXXX in the escrow department and I asked XXXX to transfer me to a supervisor. At XXXX I finally got to speak to XXXX XXXX a supervisor in that department only to hear the same information. They refused to take my payment of {$2200.00} because according to their system it was {$2700.00} Im extremely concerned that Midland Mortgage personnel seemed to have to have no clue about XXXX XXXX or what I was trying to explain. I wonder how many more mortgage holders who dont have knowledge of lending regulations they have done this to. Based on my conversation yesterday with multiple employees I think an audit needs to happen because I know I cant be the only client going through this with them.
02/03/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • XXXXX
Web Servicemember
I applied for the TXHAF program in XXXX of 2022 and the agency began correspondence with Midland Mortgage to ascertain information pertaining to my loan. They have requested the I-record every week since then and according to multiple agents from Midland Mortgage they haven't received anything asking for documentation. I have repeatedly called to get this resolved and have been met with rudeness and dismissive attitudes. Midland Mortgage is notorious for foreclosing on homes and I have assistance available but they aren't doing anything to assist me. I reached out today again to Midland Mortgage and asked to speak with XXXX XXXX and was again stonewalled and given a po box to correspond with the corporate office. Midland Mortgage reps stated they have sent a ticket to get information for the TXHAF program. They consistently lie or deny preventing assistance for mortgage relief. One rep stated they receive thousands of applications and I will just have to wait my turn. I spoke with 5 reps from the TXHAF program and they stated Midland Mortgage isn't responding to any other their requests and if they don't receive something soon they will deny my application and close it. This is so wrong. Agents for Midland Mortgage XXXX and XXXX
03/07/2023 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Banking errors
  • CA
  • 91910
Web Servicemember
I sent an email to XXXX on XX/XX/23 with this message : My account XXXX, i got the 1099 and it says you withheld money from me, why did this happen when i am not subject to withholding? They replied with information that had nothing to do with my inquiry so i called XXXX and spoke to a supervisor on XX/XX/23 requesting my original application paperwork that i signed and completed, it was supposed to arrive in 15 min and it did not, i was supposed to respond to this missing email with my fax # in order to also receive my previous 1099s I called on XX/XX/23 and no supervisor was available and i was told i would receive a call within 48 hrs, that did not happen I sent an email on XX/XX/23 with this message : Hello, I spoke to a supervisor on XX/XX/23 requesting my original application paperwork that i signed and completed, it was supposed to arrive in 15 min and it did not I called on XX/XX/23 and no supervisor was available and i was told i would receive a call within 28 hrs, that did not happen I want my paperwork sent to me and i will not call again and waste my time, if i do not get this paperwork within 28 hrs i will assume VIO is refusing to send it and i will be filing a CFPB complaint XXXX XXXX told me to call the XXXX #
06/08/2023 Yes
  • Debt collection
  • Mortgage debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30019
Web
This debt collector, XXXX XXXX XXXX XXXX XXXX, is attempting to ( 1 ) steal excess proceeds following the foreclosure sale of my primary residence as attorneys fees, ( 2 ) erroneously pay alleged personal debts to entities they do not represent, and ( 3 ) require a waiver of my legal rights to receive the funds. The firm acted as counsel for the mortgage holder in the foreclosure. They failed to respond to numerous communications seeking documentation on the sale, an accounting of the proceeds, including how the amount due mortgage holder. Furthermore, among the funds to be collected by the mortgage holder, were {$4000.00} in foreclosure attorneys fees. Yet, the firm attempts to deduct an additional $ XXXX dollars in attorneys from the proceeds due borrower. Additionally, the firm seeks to pay an alleged personal debt out of the proceeds which it lacks the right to do. In short, of the ~ {$17000.00} it states is the amount of excess funds, this debt collector claims it and other entities that it does not represent are due ~ {$13000.00}. Finally, the firm is forcing me to sign a Hold Harmless Agreement which seeks to waive my rights to challenge the calculations or seek other judicial relief in order to receive the funds.
10/04/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30016
Web
REOPENING COMPLAINT : XXXX THIS IS NOT RESOLVED. The inspector came out and XXXX did issue a PORTION of the insurance money they were holding. However, the inspector called to say that she did not get pictures of one of the repair areas and would need to come back. Until her report is complete the balance of the funds will not be released by XXXX. The inspector was to come back on Monday, XX/XX/XXXX. Today is THURSDAY, XX/XX/XXXX. There has been no COMMUNICATION at all from the inspector. So, the issue is NOT RESOLVED because the same issue is repeating by the inspector failing to show up or call. This is NOT CLOSED. XXXX needs to respond and get on this ASAP. We have to pay the contractors! They came on Monday, expecting to be paid. XXXX STILL HAS NOT COMPLETED WHAT THEY NEED TO DO TO RESOLVE THIS ISSUE. JUST BECAUSE THEY ARE EXPLAINING THINGS DOES NOT NEGATE THE FACT THAT THEY STILL ARE HOLDING FUNDS DUE TO THEM DELAYING THE INSPECTION AND NOT HAVING THE COURTESY TO COME TO COMPLETE THE INSPECTION AS PROMISED. OUR TIME IS VALUABLE AND WE MAKE SPECIAL ARRANGEMENTS TO MEET THE INSPECTOR AT THE AGREED UPON TIME ONLY FOR THEM TO BE A NO SHOW. WE NEED THE BALANCE OF THE FUNDS SENT TO US ASAP SO WE CAN PAY THE CONTRACTORS.
11/13/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IN
  • 46052
Web
Please add this to complaint XXXX On XX/XX/XXXX, I spoke with XXXX XXXX XXXX Midfirst. She viewed my proof of occupancy ( electric bill ) and said she would contact XXXX property management group to change my locks back. I came home to the keys in the mailbox ( anybody could have walked in ) and the locks still not changed back. They still went on my property and winterized it on XX/XX/XXXX. They are purposely interfering with me selling my property and trying to steal it. I received a call from XXXX at a company called XXXX XXXX. They asked if they could come over, look at the house, and make a cash offer. I said sure, just go through my realtor. She said they only buy property from owner and do not buy property that is listed. My house has been listed since XXXX. The only way they got my contact information is from MidFirst or XXXX property management group selling my information. XXXX XXXX did not even know it was officially listed. More proof MidFirst and XXXX are trying to steal the house. Midfirst calls everyday and all that is needed for mortgage assistance is proof of purchase offer. We are actively trying to sell it. It's very harassing and I am not being given a fair chance to sell it for profit I deserve.
04/01/2022 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60451
Web
In complaint XXXX, I noted that I had been given a COVID-19 partial claim but was still being reported as delinquent. Two of the three major bureaus were edited to remove the inaccurate COVID information ( but not to reflect the timely unemployment forebearance payments ), but there has been nothing done to resolve the XXXX report, which still shows the inaccurate information. * * * As previously stated : " I have a FHA mortgage with Midland Mortgage. My previous employer went out of business in XX/XX/2021, and I received an unemployment forbearance. After that, I found new employment and applied for and received a COVID Partial Claim. So far so good. I have made all payments since the partial claim before due date and without incident. However, the credit report reads a 90 day delinquency for XXXX through XX/XX/2021. As the attached guidance shows, the mortgage company should not report a delinquency for those three months, and in addition, the unemployment forbearance payments were all timely made. Therefore all months from XX/XX/2021 to date should show timely. This has been an issue before when I had a previous unemployment forebearance and modification. The CFPB was extremely helpful in getting this corrected. ''
05/02/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • OH
  • 45420
Web
My servicer, Midland Mortgage has approved me for a loan modification to bring my loan current. Midland has set an auction sale date on XXXX that starts on XX/XX/23 and ends on XX/XX/23. The first set of loan modification documents that I sent back to Midland, they said the notary made a mistake on the documents and they had to mail a new set out. The law firm that represents me in the foreclosure case has repeatedly reached out to Midland 's attorney to cancel the sale as there is a resolution to the issue that I have agreed that I am accepting. Midland 's attorney stated that Midland will not cancel the sale until they received the completed loan modification documents back and they are finalized. That is completely unacceptable as I still have not received the new set of loan modification documents they want me to complete as well as the law firm that represents me said they have never seen a servicer take this stance in all of the years they have been handling mortgage foreclosures when a resolution has been reached. The law firm has filed a motion with the court to withdraw the sale, but I am asking the CFPB to intervene as this is not right. I appreciate your assistance in getting them to cancel the sale. Thanks
06/16/2023 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • OR
  • 973XX
Web
I am requesting that the mortgage company prove that they are the holder in due course as well as some accounting information as well as proof that they loaned me " money ''. A contract is NOT valid without equal consideration and it is not valid if there is fraud and non disclosure. Also an unanswered affidavit stands as fact in a court of law, proving guilt. I have requested this information at least 10 times to no avail. per RESPA regulations, when a consumer askes for information, the alleged lender is to confirm receipt of the communication in 5 days and respond in 45 days. it has been almost 2 years and i am yet to receive an answer. There is NON disclosure from the start of the alleged loan. There is FRAUD and RESPA violations. As per UCC 3-603 the loan was paid in full yet they are still claiming non payment. There is non transparency, deceptive and predatory lending practices. 15 USC 1692 states congressional findings and declaration of purpose about abusive practices. Not only are they not responding to my request which by law they MUST, but they have the nerve to start foreclosure procedures ... epitome of abusive practice. I have certified return receipts going back 2 years with all notarized requests.
03/01/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CA
  • 92530
Web
My mortgage was held by a company called XXXX XXXX. I took advantage of COVID forbearance and at the end was offered a modification that took my mortgage to the $ 2500/mo range . In the middle of this modification my mortgage was sold to a company called Midland Mortgage, part of Midfirst Bank ( loan number XXXX ). Midland is either completely clueless or, I suspect, is actually trying to deny me the modification I am entitled to through the various federal COVID relief programs. My last mortgage statement was only showing an escrow amount of {$230.00}. This is insufficient to cover my PMI, homeowners insurance ( $ XXXX ) and property taxes ( over $ 8000/yr ). When talking to them they said my actual mortgage payment is going to be nearly $ 3000/mo. I can not afford that and it is contrary to the documents I had already signed with the previous mortgage holder for the modification down to {$2500.00}. When I asked to speak to a supervisor, I was just transferred around among other tellers and left on extremely long holds. They clearly were just trying to wear me down. Again, it is my belief that this nonsense represents an intentional attempt to deny me relief that I am entitled to from the federal COVID relief.
08/03/2022 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • IN
  • 46410
Web
In XX/XX/2022 I successfully completed the mortgage modification process with Midland Mtg/Division of MidFirst Bank and I made two payments of the new modification dollar amount of XXXX. I sent the completed paperwork back to Mldland Mortgage and I even called Midland and spoke with a rep before completing the paperwork to make sure I had done everything accurately. I mailed it back and called about one week later to make my third modification payment and was told my plan had been cancelled because the notary that signed it was licensed/authorized in IL not IN. No one told me the notary had to be IN because the property is located in IN. This specific rule is NOT listed on the instruction sheet I received for the modification paperwork. Now at this point I did request the have the papers sent to me again so I can correct this and was told ok, I waited five days called back and was told foreclosure proceedings had been started against. Now my credit file is ruined, has dropped over 50 points and court papers have been filed. This company gave me misinformation which caused all of this and it did not provide me with clear and accurate instructions. The harm caused here is serious to me and my family and my future.
01/29/2024 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Company closed your account
  • MN
  • 55305
Web
I had an online savings account with Vio Bank. At some point, this account was closed. I called them to get information on the last transaction or disposition of the account, and they told me that they could not provide me with that information. I tried logging into my online account, and gave them my username, which then has a popup to verify my account by texting me at my mobile phone. I received the account code and tried to log in and it said that I needed to check my cookie setting. Which is wrong. So I called them to see if I had closed the account, or if it had been closed because of inactivity or something. They verified my information, but then told me that I had no account and they could not tell me when my account was closed or how it was, but that they would never close an account if it had a balance in it. I told them that wasn't true, there are state escheat laws that could require them to forfeit an account to a state under some circumstances. They said nevertheless they had no information and could not retrieve anything, but were sure I would have gotten my money from the account. it is possible that I even closed it, but in order to ensure that the money came to me, I want to be certain.
03/21/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • FL
  • XXXXX
Web
I originally signed up for a XXXX in late XX/XX/2022 with the intention of receiving {$250.00} for a sign up bonus that this bank was offering. I met the requirements by depositing {$1000.00} on XXXX & XXXX which met the requirements as stated below : " *Disclosure : Receive {$250.00} when you set up direct deposit to your Spend Balance and receive XXXX ( XXXX ) direct deposits of {$1000.00} USD or more within XXXX days of opening your XXXX Relationship. The direct deposits must be an electronic deposit of the account owners paycheck, pension or government benefits ( such as Social Security ). Limit XXXX ( XXXX ) incentive per customer. {$250.00} USD paid as a credit to your XXXX XXXX within 45 days of meeting promotion requirements. Offer may be changed or withdrawn at any time. XXXX XXXX must be open and in good standing to receive promotion incentive. '' XX/XX/XXXX would have been the XXXX day and the {$250.00} was credited to my account and no one on the XXXX seems to know why. It is important to note that XXXX 's current disclosure states that within 90 days it will be paid out but when I signed up the above agreement was the one provided. I have attached screenshots of transaction and disclosure.
12/28/2021 Yes
  • Mortgage
  • FHA mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • VA
  • 20147
Web
Reached out to Midland over a month ago and was told we'd have the letter in 10 days, then called back and was told it was 10 business days. Then called back and was told that they hadn't received a copy of the credit report showing the inaccurate info. The XXXX is picking up that they last reported in Bankruptcy XX/XX/XXXX et the XXXX XXXX was over 7 years ago. The only way that the XXXX can be fixed is if Midland provides the letter that states the account was not included in the XXXX whcih it wasn't it was paid. They are refusing to provide an accurate time line nor the letter confirming it was not discharged in the XXXX. Midland was simply notified previously that we had filed XXXX but not that Midland Mtg was included in either XXXX filing. The letter is a simple request that we were told we could have upon initial call, and the agent confirmed that Midland should have never sent an XXXX Update on XX/XX/XXXX. They are preventing us from obtaining new financing. There was no reason to recently update XXXX XX/XX/XXXX regarding ourMidland Account and a XXXX this is what the XXXX is pulling up. Again, the first rep told us they never should have updated anything with XXXX XX/XX/XXXX.
09/10/2019 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account information incorrect
  • WA
  • 982XX
Web
Diagnosed with XXXX XXXX XXXX. mortgage had just been sold to new Servicer, Midland Mortgage . I was unable to work due to weekly XXXX treatments and XXXX wouldn't start until XX/XX/2019. Husband also on XXXX. We contacted mortgage company immediately. We made XX/XX/XXXX and XX/XX/XXXX pmts. Went into the hospital in XX/XX/XXXX for XXXX. Stayed in contact with their DAC who agreed to let us make modified payments until my XXXX started. We made all those payments on time. Midland did not report anything to the credit bureaus until after we started the repayment program in XX/XX/2019. At that time unbeknown to us they reported us late for 2 instances, 60 days in XX/XX/XXXX and again 120 days in XX/XX/2019. We prequalified for another home loan before putting our house on the market at the end of XX/XX/2019. We were given a prequalification letter so continued with the house sale. After house was sold and closed, we were supposed to close on a new home within days only to have the loan pulled by underwriting due to the way Midland had reported our forbearance plan. Now we have nowhere to go and are unable to obtain another home loan. We would have never sold our original home had we known.
10/18/2021 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • VA
  • 22204
Web
XX/XX/2021 Consumer Financial Protection Bureau RE : Midland Mortgage Loan Modification does not respond. Dear Sir or madam : I have requested a Loan modification from Midland Mortgage since XX/XX/XXXX ( Attach_I ). And they have not responded yet with a Plan. However in the past instead of helping me, they increased the payment {$500.00} dollars per month. They increased my rate and increased my Home Insurance and made me pay more. I already sent the information but being the same company they are doing the same. Delaying and they have not responded to my request for Loan modification even though I already sent all the information. They are making things difficult. I need to make sure I can take advantage of the low rates. Apparently I am not allowed to try to refinance with anybody else. They lock me and are keeping me hostage with debt. This time I should be helped since I am the home owner. As the FHA guidelines suggest. My hardship has been : 1. I suffered health issues due to my XXXX illness. XXXX XXXX amputation XXXX. 2. Because of the pandemia, I lost my job in the hospitality business XXXX in the software branch Interval International. Sincerely yours, XXXX XXXX XXXX
12/19/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 77382
Web
Do to Covid both my wife and I were furloughed from our jobs at the same time. My wife returned 8 months later but my position was lost. We reached out to our mortgage company and were put on a forbodence plan. Last month a realtor stoped by my home and wanted to know if I wanted to sell my house because it was on the foreclosure sale list. That was on XXXX. That is how I found out that I was in foreclosure, I didnt get notified by the bank or the attorney until days later. And that was not even done by certified mail it was just by regular mail. I contacted midland mortgage on XXXX I was told that there were a few motifacation programs that I may qualify for I started the process that day on the phone with XXXX badge number XXXX. I was told that all foreclosure procedures would be stopped during the review process. He said that I would get a conformation letter stating that which I did receive. As of today my home is still on the auction list for XX/XX/2022. At this point I am back to work and am able to make payments as per my mortgage agreement. I explained that to my mortgage company and even offered to start paying my payment at which point I was told not to do that at this time.
05/06/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CA
  • 94534
Web
I applied for mortgage assistance with California mortgage assistance program in XXXX XXXX ( XXXX ) appealed ( XXXX ) and again ( XXXX ), and each time the state informed us the midland continues to send wrong information through their internal communication system of what my conforming loan limit is. I went a step further and contacted XXXX XXXX who is the original loan servicer to provide documents showing how my loan qualified as an fha loan and how it met XXXX XXXX conforming loan limit and they were kind enough to provide that. I then provided those documents to midland and asked that during the verification process that they provide those documents to the state and once again the state informed me that midland provided them incorrect information and as a result they declined me again and suggested that I get XXXX on the correct path. I have no idea how to help XXXX at this point as their incompetence has proven too much. Please assist. I have also reached out to XXXX XXXX ad of Friday XX/XX/2023, informing them that the servicer they transferred my loan to has shown incompetence and to see how best they can facilitate and escalate it to the management team within midland
11/29/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • Foreclosure
  • SC
  • 290XX
Web
Company : Midland Mortgage did the loan for my parents ( XXXX XXXX & XXXX XXXX house. My parents left the house to me. So I tried and tried to get my name on the loan ( assume the loan ). Midland mortgage unknown to my knowledge kept making me do application after application, but they had me doing a regular application like I was just trying to buy a house with terrible credit which I knew I had but that was not the case. I should have been given the application and lead to assume my mothers loan for her house that was almost paid for. Sad to say I know yet its life. I was in prison when my mother passed away so I came home to a total mess, family tore apart, house on the verge of foreclosure and they totally mislead me and took advantage of my lack of knowledge to swindle me out of my parents home. I even tried to file for bankruptcy but it would have taken everything I had into it which I also didnt know so I didnt file and they had me do another application which they made me fill out the same kind of application only to deny me for a new mortgage with a terrible credit score. They took my parents home that we lived in over XXXX. Please help me! Wish I knew of you all then.
02/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AR
  • 72120
Web Older American
I have an FHA mortgage with Midland Mortgage and utilized the Covid relief program. I also applied for assistance with federal funding through the Arkansas homeowner assistance program. I was approved in XX/XX/XXXX and advised the mortgage company. After numerous calls to the servicer, they found the document dated XXXX in XXXX to authorize wire transfer of funds. XX/XX/XXXX transfer of {$16000.00} was made to the servicer. On XX/XX/XXXX, the servicer reported an increase to my mortgage balance of {$11000.00} to the credit bureaus. After numerous calls and emails the servicer finally " found '' the funds on XX/XX/XXXX. Those funds have just begun to get allocated to my mortgage on XX/XX/XXXX. I filed a dispute about the credit reporting with XXXX, but they verified the posting as accurate. Numerous requests to the servicer to correct credit reporting or explain fees added to the mortgage have gone unanswered. My mortgage payment has been increased due to an escrow shortage, which by their own mortgage statement should not exist. It appears a mortgage payment in that amount is expected on XX/XX/XXXX. I received certified letters on XX/XX/XXXX about foreclosure proceedings.
11/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 94521
Web
XXXX XXXX false credit reporting. Long story short once the pandemic hit my wife hours got cut and decided to call XXXX XXXX and ask for assistants. This was around late XXXX early XXXX. We were told we should do the loan forbearance for three months. Once the three months was coming to an end we called to see about what options we had for re-payment. They said it would take 1-2 month to review and we should extend our forbearance to 6 month. So trusting XXXX XXXX we agreed. This was were it got bad! We were waiting on paperwork that we never got. Then we get a letter that XXXX XXXX sold our loan to midland mortgage. This was around XXXX/XXXX. We then had to go through the repayment process with midland that took another 2 months, We ended just paying everything off in one lump some to get us back to current. Our credit is reporting late payments that were not late, they reported the XXXX late payment to Experian in XXXX. How can you have a late payment that month? I was not even able to pay XXXX XXXX anymore, my payment were to go to Midland Mortgage. This has caused extreme stress in my wife and I lives and our credit is so bad now we can't do anything we want to do.
08/05/2021 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TX
  • 79705
Web
I am refinancing my current mortgage. My current mortgage company is Midland Mortgage. The refinancing company is requiring that I obtain a forbearance agreement from Midland mortgage. I am no longer in forbearance but the refinancing company is requiring this agreement even though I am no longer in forbearance. My complaint is with Midland Mortgage. I have been asking for this agreement to be sent to the refinancing company and nothing happens. I have been asking for the last three weeks. I have called them six times requesting this agreement. Their answers range from, they are not able to email, only fax or mail, they told me it takes two to three days to fax and a week to mail. The third time I called they said they dont email. The fourth time they said they can email but in three days. The fifth time they said they can put a rush on it. It has been a week since then and still no agreement. I am beginning to think they are doing this on purpose. In this day and age, how can it take this long to get something sent? I can not refinance with out this agreement so that it the only thing keeping me from a better interest rate and better monthly payments. Please help me.
07/29/2022 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Unable to open an account
  • CA
  • 94582
Web
Tried to open an online savings account with Vio Bank on XX/XX/2022. Declined. Called customer service number provided. Would not provide a reason for decline. Escalated to manager level. Received similar response -- could not provide reason for decline, despite my request for one. Also, asked for compliance group number for further explanation and written response for why account declined -- would not provide either. Given this, asked they document my conversation and save recorded conversion with representative / manager for future reference. My credit/ financial history is pristine so seems like there is another factor at play here, possibly outside the bounds of ordinary business practices. Also, had contacted representative prior day due to technical issues ( proxy errors ) in submitting/ processing my application. This representative was very helpful and understanding, reviewing information and possible issues. Representative suggested reapplying later that day and, if encounter same issue, try again the following day, which I did and prompted call to customer service noted in prior paragraph. At this point, application was in submittal / processing stage.
07/12/2021 Yes
  • Debt collection
  • Mortgage debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • OK
  • 741XX
Web
Midland Mortgage has violated several federal laws. *Fact, the Fair Debt Collection Practices Act 15 U.S. Code 1692h Multiple debts states *Fact, Midland Mortgage is failing to observe a law 15 USC 1692j - Furnishing certain deceptive forms. *Fact, Midland Mortgage is failing to observe a law 15 USC 1692e ( 11 ) Fales or Misleading Representations *Fact, Affiant is aware and has proof in attachment labeled as exhibit C that this debt collector is failing to observe a law 15 U.S. Code S 1692d ( 2 ) - Harassment or abuse. *Fact, Midland Mortgage is infringing on my rights of 15 USC 1692k. *Fact, Midland Mortgage is failing to observe a law 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer Of a credit card or similar device SHALL NOT be listed on their consumer report. *Fact, Midland Mortgage is failing to observe law 15 USC 1681a ( 2 ) ( A ) ( l ) *Fact, Midland Mortgage is failing to observe a law 15 USC 1681b ( 2 ). *Fact, Midland Mortgage is failing to observe a law 15 USC 1681 ( 4 ). *Fact, Affiant is aware of that Midland Mortgage is in violation of 15 USC 1681n exhibit D.
01/21/2022 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • MI
  • 48234
Web
My father died about 4 years ago this was his home and I lived here when he died me and my family moved here. and I got a loan modification which worked until my wife abandoned me and covid 19 killed my business. Midland Mortgage had a suspended payment plan. I signed up the put me on delayed payment very good I lose business have to pay other bills and divorce hurt my income so they take me off of the plan tell me to apply for a loan modification I do from the start to finish this company have not tried to help me its been miss filing info info repeated denial 's and many mistakes i have sent the same proof of income XXXX time so with the latest drama disapproved again the reason this time my income dost match but they never give me a chance to say i can afforded it just constant no and i have recovered some what enough to pay XXXX on my bill and XXXX a month they offer no help for the present situation that is caused by covid. midland mortgage engage in under handed tics to take homes. i have sent forms such as income verification one after another only to receive no offer I have even ask if i can make a large payment to get help they said no she don't know.
06/30/2022 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
  • NV
  • 89107
Web Servicemember
My mortgage loan account credit reporting is reporting the mortgage account as " An Account With Adverse Information ''. My understanding is that this is inconsistent with the CARES Act. I have recently modified my VA mortgage after Covid-deferment and mortgage modification. I have fulfilled my obligations every step of the way. I have made the last four principal & interest payments early. This is not showing on my credit reports even though I have uploaded proof. My understanding is that the VA is behind on their paperwork and they owe my mortgage company a check for {$9800.00}. Well & good, but it isn't appropriate for there to be negative information on my credit report on that basis. Put the negative information on the VA 's credit report, by gum. Please see my uploaded and / or US Posted documentation which I have long since provided to the credit reporting bureaux. I am in process of restructuring my insolvent finances, so this incorrect credit reporting, which dropped my scores by about XXXX points, could literally have life & death effects on me. So please do hurry to do that which will restore my credit reports. Thank you, yours sincerely, XXXX...
03/17/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 78237
Web
XX/XX/2020 I had a water leak at my house my insurance XXXX XXXX issued me a check for my water damage lost of XXXX to me and my lienholder Midland mortgage I have been having trouble since XXXX trying to get funds to fix my house Ive suffered With this weather related in XXXX that we had I do not have floors, kitchen or walls it all got demoed due to water damage my house was very cold 52 Ive been back-and-forth with Midland submitting paperwork every time I call to follow up Ive been told different by all different operators that I even asked my insurance agent to help me we called on a three-way line to try to get some help for me all Im asking is for them to release the funds so I can fix my house back I am going on for months with my house being destroyed I am stressed out about the situation Ive been in my house for 22 years I am asking for somebody to help me with this issue yes I did receive XXXX Of the XXXX but that was nothing I had to buy material for the floors at least upstairs my sons room is plywood when I called back now theyre telling me that I have to do another stack and wait 10 more days for them to research it I think this is ridiculous
12/13/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 19606
Web
They allowed me to default for XXXX months. Sent me paperwork stating everything was good and I had to make my first payment on XXXX. They evidently set up an automatic payment unbeknownst to me so they took that and I paid again on XXXX. Now its a double payment for {$1200.00}. They said it was emailed to me. No it wasnt. She said well its online in your account. What??!! Here we are XX/XX/13. I have spoken to XXXX different customer service people who started with saying Id have it back by XXXX. Yesterday another one said the account was closed so I should get my payment today. Today XXXX supervisor said it takes XXXX days no matter what and we have to wait for your money to settle. I said both have settled in my account. I have been- {$1100.00} since XXXX. They wont help me and keep saying the money will be there tomorrow, tomorrow. I have XXXX children and no credit cards. So Ive had no money since XXXX. Please help me. The last woman I spoke with wouldnt put a supervisor on the phone or give me the name of the one she spoke with. XXXX not asking for both payments back. Only XXXX. I dont know what else to do. This is with Midland Mortgage Company.
04/28/2023 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
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • TX
  • 77079
Web
To Whom It May Concern : Loan # XXXX for XXXX XXXX XXXX XXXX XXXX TX XXXX under the names XXXX XXXX and XXXX XXXX is being reported late to the credit report. This is in the process of getting mortgage assistance due the corona virus because of financial hardship and loss of income. We were told it would not be reported late until after the process was completed. However, there have been 2 late payments reported to XXXX credit agency. I am requesting this be taken off ASAP as you have done this in the past. This is the 3rd time you have done this and this lowers our credit score. There should be NO LATE PAYMENTS REPORTED while the application is in process. If you need to contact me please contact me at XXXX. Please remove this ASAP. You reported this as late on XX/XX/2023 on XXXX. The late payment information is below : Credit Alert Delinquent Account Reported By MIDLAND MORTGAGE - A DIV Reported On XX/XX/2023 The loan is under a mortgage modification program due to corona virus and should not be reported late at all and no negative information should be put on the credit report because of this. This is the 4th time Midland has reported this late!!
08/24/2019 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • CA
  • 90047
Web Older American
I live in Colorado and my mom passed away in XX/XX/XXXX and left the home to my sister and brother and myself. And at that time there was a balance of {$3500.00} left on a {$25000.00} loan my mom took out in XX/XX/XXXX to fix the house. Well my family and I decided that who ever lives in the house would pay the that amount left. My sister XXXX XXXX paid that loan without missing a payment or late fee til it was finished. But for some reason when I file chapter XXXX in XX/XX/XXXX midland mortgage popped up trying to collect {$500.00} from my bankruptcy that I was paying and I had nothing to do with that payment. Not a one payment in my name was I responsible for. My sister paid all of the it and received payment confirmation and they released the deed. Question why does it show every payment paid except for the last one that midland added at the end? I believe that the motive was to capitalize on my bankruptcy that was the only reason I could come up with. I try hard to keep my credit up but I seem to fall in one pitfall after another.I try to do the right thing in life and people and companys take advantage of every opportunity for a dollar.
08/15/2022 Yes
  • Mortgage
  • VA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TN
  • 37211
Web Servicemember
XXXX XXXX XXXX XX/XX/2022 Loan # XXXX To whom it may concern : I was transferred over from XXXX Mortgage in XX/XX/2022, before I was transferred I completed my Loan modification in XXXX of XXXX Since then, Midland mortgage continues to say that my loan modification hasn't been completed and that they are waiting for the VA to accept the partial claim. I contacted the VA and spoke to the assigned representative handling my case. She advised that the partial claim has been completed and that Midland Mortgage should have all the information to update my account. However, every time I call Midland, they tell me that they are waiting for the VA. This delay has caused me stress and is delaying my refinance since I can't order a payoff until my account is updated to reflect the partial claim. I've spoken to multiple agents at Midland and asked to speak with a supervisor but they continue to tell me that my request is pending review. I have done everything on my end but I continue to get the run around from Midland. Please help me get this resolved so I can move forward with my refinance. XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
08/29/2019 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Unable to open an account
  • PA
  • 15212
Web
I have tried to open an online savings account with VIO Bank twice and been denied. The bank refuses to give a reason, though I was told on the first application it was a Consumer Credit Agency report problem and asked for additional information ( facsimile of Driver 's license ( which was provided ) ). The bank refused to provide a letter stating the reason for the denial. On XX/XX/19 I filed a new application, which was again denied online. A call to the bank resulted in the customer care representative telling me that he could not disclose any reason for the denial. I told him I would request the reason for the denial in writing. After consulting with his supervisor, the VIO Bank rep reported " that is only for brick and mortar institutions, we are strictly an online bank ''. When I asked if any Consumer Reporting Agency was used to deny my application, the rep refused to answer. It is obvious that SOME Consumer Reporting Agency was used because the personal identification questions that the bank used were directly from my credit history and that information was provided during my initial application by a previous representative.
09/13/2018 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem accessing account
  • AZ
  • 85381
Web
I've disconnected my phone service. Nothing in my account agreement nor the online agreement requires me to have a phone number to access online services. MidFirst sometimes wants to call a phone number as a sanity check. That's not possible for me anymore. One day my online access will be stopped or I'll get a new computer and won't be able to get it restarted. I've complained about the online calls, and I've asked 8 times for them to remove my disconnected phone number, and they have the idiocy to tell me that I have to " call. '' Seriously, I don't have a phone anymore, and the request was sent while I was logged in securely. My user ID and password are enough to send a billpay to get money out of the building, but I can't get my disconnected phone number removed. What about when they try to call " me '' with that number, and get someone else. They'll expose that I have an account there after I told them the number is no good. I think this is unintentional XXXX discrimination, and it must be corrected. I'm willing to bet that more XXXX and XXXX are less likely to have phones and MidFirst 's policies won't accommodate alternatives.
11/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MN
  • 55304
Web
Starting XX/XX/2022 I worked with XXXX Mortgage to resolve a missing payment issue. This payment was missing due to the transfer from XXXX Mortgage to XXXX Mortgage in XX/XX/2022. I did not receive a statement specifying where to send payment to XXXX so I continued to pay XXXX. The XXXX payment was lost by the mortgage service provider. I provided mortgage statements, payment history and bank statements to XXXX Mortgage to verify the payments were made on time. The completed their investigation and finally provided a letter on XX/XX/2022 stating the payments were made and their records were updated. They also mentioned that they never reported anything delinquent to my credit report. I investigated my credit reports and found the late status was reported to the bureaus and it affected my score by XXXX points per report. I have requested the bank reverse this information and they told me I need to MAIL a paper copy of my credit report to their XXXX XXXX po box and they would review. This is a completely unacceptable solution and frankly a dangerous one considering the high volume of identity theft. I have attached their letter as proof.
07/21/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 32073
Web
MIDLAND MORTAGE. In XX/XX/XXXX my payment went from XXXX to XXXX a total increase of XXXX per month. I have contacted them till I am blue in the face. They just keep explaining the escrow process to which I know. I went on line to look a the escrow info. My escrow did indeed increase but only by {$41.00}. In XX/XX/XXXX I had a huge jump in my payment. Once looking into it, i saw they went and purchased insurance for the house of over {$5000.00}, which is an insane amount for my home. Causing my payment to go from I believe XXXX per month to XXXX. I couldnt afford that. I found my own insurance with the exact same coverage for {$1600.00}, bringing my new monthly payment down to {$1300.00}. What they have done is taken they highest amount of {$1500.00} to which I only paid that amount for about 4 month 's until my new coverage. And added the XXXX to that causing me to now have to come up with {$1500.00}. The new amount should have been calculated off my payment of XXXX having a new total of {$1300.00} not XXXX. I have had to rent a room out because this is just too much. This has been going on since XXXX to which no-one has corrected.
10/03/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Payment process
  • KY
  • 40258
Web
I filed a complaint XX/XX/2023 on MIDLAND MTG home loan, nothing was resolved they still resend my checks if I miss one, and throws my account off on whatever day or date they want too, I looked over payment history and they forced another payment to come out because they were trying to foreclosure my home this company is horrible to the community and proud home owners I will report every day if I have to until it is resolved they, are XXXX they think they can treat customers any way because of FHA LOAN put big envelopes on your door take pictures of your house like they bout to sale it tomorrow, if I wasnt a XXXX mom Id pack my things and move, they will not run me out of my mortgage, the paper work they sent over said nothing about how they resend checks if they bounce every week until it clears they dont talk about the harassment in the paper work either all it said was my agreements from XXXX , so nothing got accomplished. Currently accounts are showing behind 120 days when they are in fact current. This loan company has tarnished my credit and will not negotiate with the consumer, nor have they reported correctly on my report.
06/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • LA
  • 705XX
Web
Midland Mortage a Division of Midfirst Bank in Oklahoma held my Mortage Acct XXXX XXXX for a few years. During this time they sent in a negative credit report for an alleged late payment that had to be corrected by them. Now again they have negatively impacted my credit by putting in 3 months of late payments on the Big 3 credit Bureaus for XXXX, XXXX and XX/XX/2023. My loan was paid off on XX/XX/2023 with the sale of my home. I also called them prior to the sale of the home to inform them that this sale would be going thru and asked if I needed to make a payment in XXXX and the agent stated that as long as it was paid in full by XX/XX/ that it would be fine and that he would note the account. Clearly this didnt happen on Midlands parXXXX. I called Midland today and spoke with an agent and she stated that their system doesnt show any negative reporting but sometimes things happen and she would note the account accordingly. I am working with XXXX XXXX now trying to finance a new home and these negative impacts have me at a stand still until resolved because their credit pull reflects the 3 recent late payments on a paid off account.
04/27/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IL
  • 616XX
Web Servicemember
In XX/XX/XXXX my husband, XXXX XXXX, Was laid off due to XXXX going out of business. He was out of work for a year. He applied for unemployment and called the mortgage company as soon as he got home. He explained to them it would take up to a month to receive the first check. They told him to send the payments when it starts. When he got the first full check 5 weeks later we started sending the payments. This was in XX/XX/XXXX. In XX/XX/XXXXwe received a check and a letter stating we were XXXX dollars short of the full 3 month payment. In anger XXXX tore up the letter. We were immediately put into foreclosure. In the next 6 years we did 13 modification packets, got a lawyer, went to every hearing, did a mediation that lasted a year. In the end we filed chapter XXXX to save the house. We were not able to do so. In XX/XX/XXXX the house was sold and we now are residing with our daughter and her husband. During the mediation we were told that there were count of fraudulent act with in our mortgage. We were never able to prove it. We would like this to go on record against XXXX as we did everything in good faith and got screwed.
08/18/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 91945
Web
During Covid 19 pandemic in 2020. I asked for assistance to defer payments to my mortgage because I was struggling to find work to support my family. The mortgage company offered to help- I had no payments due for about a year and a half. At the end of the assistance- I was told I could modify my loan. I really feel I was mislead and falsely informed by the mortgage company representative. I was 12 years into my loan and when they modified it they put it back to 30 years and they added aprox XXXX to my loan. I have no idea how this amount could be correct. I was shocked. I have tryed asking the right questions but no one can give me a clear simple answer. I was 100 % thinking that my loan was deferred- meaning just stop payments and resume when I find stable work. But they clearly didnt explain that to me. If you look on XXXX my home says I should owe aprox {$100000.00}. I am asking for them to retroactively approve this for my loan because what they tryed doing is wrong and not helpful to a family during a worldwide pandemic that needed assistance to keep their family safe in a home. I appreciate your thoughts and support.
08/10/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NC
  • 28027
Web
I had a chapter XXXX bankruptcy all arreage payments were made and current payments to the lender and were credited and current, during this time the bank was charging us extra fees. We made our current payments after we opted to transfer to a chapter XXXX to clear our other debt. The lender accepted these payments then sent our XX/XX/XXXX payment back and put a forclosure sale date on our home even though we were current. The bank will not speak with us we have been trying to communicate since XX/XX/XXXX when we found this out. We have the banks attorney and our attorney trying to get this straightened out. We have received 5 diffrent payoff requests from the lender that do not even match our balance, once again they will not communicate with me or my attorney. We have all documentation of payments made through our bankruptcy and my current payments that were accepted.They have now returned XX/XX/XXXX payment and have said we have not made payments since XXXX XXXX that were made through bankruptcy. Our reinstatement was paid in XX/XX/XXXX the court paid XX/XX/XXXX and XX/XX/XXXX payments we paid XX/XX/XXXX and XX/XX/XXXX.
06/14/2019 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Confusing or missing disclosures
  • NY
  • 11201
Web
There isn't a box for this issue, and it applies to many banks across the country. Banks use micro-deposits to link bank accounts. The banks then withdraw the funds. Some banks withdraw the money in one lump sum, but others like Mid First Bank remove the deposits in two separate transactions. The withdrawal counts as one to two transactions when the US government permits only six transfers in a month. These are not real transactions, and the government should not count them as one or two of the six. If the government continues to count them, then the government should require banks like Mid First to withdraw the monies as one credit versus two. An alternative is to use another system rather than the old method of micro-deposits to verify the legitimacy of the bank accounts. The consumer is not in a position to negotiate the methodology but is impacted by it. The banks have no incentive to update the system. Banks like XXXX XXXX XXXX recognize the issue and leave the micro-deposits as a gift in the banker 's account. I am not familiar with any other institution following this practice. But, it solves the dilemma.
06/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • GA
  • 30157
Web
XXXX continues to report bankruptcy related information on a bankruptcy filed more than 10 years ago ( filed in XXXX ). My Midland account was reaffirmed in my bankruptcy, so the remark on my credit report is " reaffirmation of debt ''. I should not continue to be penalized or have a " derogatory '' account in my credit file for a bankruptcy filed more than 10 years ago. In accordance with the FCRA, the derogatory marks on my credit report related to that bankruptcy SHOULD NOT be reflected on my credit report. This same situation was happening with XXXX, so I filed a CFPB complaint involving XXXX, XXXX and Midland. ( It is also important to note that the XXXX account was closed on XX/XX/XXXX and Midland Mortgage was closed on XX/XX/XXXX - both with perfect pay histories. ) XXXX responded to the complaint ( and my phone call ) advising that XXXX and Midland had to request the removal. XXXX has already done so, but Midland refused to take action. Until Midland takes action and asks for my credit line 's removal, I will continue to have a " derogatory '' remark on my credit file - and this is a violation of the FCRA.
08/15/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • OR
  • 97060
Web
I have an ARM with this company. They bought my mortgage from XXXX awhile back. They are supposed to review my mortgage and adjust it according to the rate the XXXX raises. The XXXX raised rates .25 % this year and I got a letter saying that my rate was going up. A week later I got a letter in the mail saying they made a mistake and my rate was going up another .125 %. They have raised my rates every year and now I 'm almost at the rate for a 30 year fixed mortgage. I believe they are using the doctored paperwork they got from XXXX and I want a 100 % audit for the time they have had my mortgage, I want a copy of the paperwork they are using to calculate my rate to compare with my original paperwork and I want them to sell my mortgage to a competent company. They proved that they ca n't handle their work. They have ignored my repeated attempts to contact them. I 've sent four e-mails and their offices are only open XXXX to XXXX Central time. I work swing shift on the west coast so I can not call them before XXXX Pacific time. To sign up for an online account they require that I enter my SS #, which I will not do.
09/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OH
  • 44708
Web
This is the second time I had an issue with this mortgage company reporting my account as delinquent. I tried both times to reach out to Midland Mortgage and neither time have they made an effort to resolve the issue. The first time, they took over my mortgage from another lending company that sent them my payment that was already made to previous servicing lender. The payment was sent over to Midland Mortgage after 30 days and I tried to explain to Midland Mortgage the payment was made and previous lender advised me not to make double payment and they reported my account past due to credit bureau. Recently, I have never been 30 days past due with Midland Mortgage and thought payment was made and when I realized it wasn't I submitted payment immediately which was XX/XX/XXXX and Midland reported me as delinquent. When I called to resolve to have it taken off in good faith they declined to offer any help. I am great at paying my bills. Their reporting caused my XXXX credit score to drop XXXX points. Account is current. I believe Midland Mortgage should be more fair to consumers in regards to financial reporting.
11/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 287XX
Web Older American, Servicemember
I have contacted all of the credit bureaus, Midland Mortgage, MIDFIRST Bank and CFPB MULTIPLE TIMES OVER THE LAST THIRTHY DAYS. I realize that I am impatient but the application for both improved term and rate on 15 year VA IRRL refinance is time sensitive. It is apparent that none the agencies which are reporting inaccurate credit information on my credit file are reacting to my inquiries, as my Beacon score has reduced by 13 points in the last two days despite my total indebtedness decreasing by {$140000.00} or 27 %. This is a function of Midland Mortgage reporting my mortgage as 60 days late during the forbearance period permitted in XXXX and XX/XX/2020 and at the same time failing to appropriately report the closing and payoff of my {$140000.00} for 52 days after the payoff due to their sloth, malfeasance or both. I have called Midland Mortgage, XXXX, XXXX, and XXXX at least seven times in an effort to rectify these errors and all parties lay it at the feet of Midland Mortgage and MIDFIRST Bank who have refused to contact the credit reporting agencies directly to correct their errors.
04/17/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 78045
Web
I asked for assistance from the mortgage and my options were to apply for a modification for my mortgage. The problems start when i get my paperwork to sign the modification and the names don't match the title of the house. Midland mortgage is using another name saying that this other person is the owner of the house and the paperwork states that she doesn't have the obligation to pay for the house, only the original owner. The title of the house is only under the name of XXXX XXXX XXXX and XXXX XXXX XXXX ( deceased ) since XXXX that the house was purchased. When i called Midland Mortgage I testified that the modification was incorrect Under the name of XXXX XXXX XXXX and XXXX XXXX. The representative XXXX told me that my paperwork was correct and it was like that in the title of the house. I told XXXX that I don't know who is XXXX XXXX. XXXX said to me to go find XXXX for her to sign the paper work because the title came that way and that I didn't remember calling me an ignorant and dumb. I have the paper work under my power. The Only owners are XXXX XXXX XXXX & XXXX XXXX ( Deceased ).
08/31/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IL
  • 60649
Web
I have a FHA loan, Midfirst Bank is servicing the loan ... I asked for a downward modification because I lost some income, ( second job ) ..Midfirst Bank refused XXXX I made partial payments ... I explained to Midfirst Bank my payments needs adjusting according to my income. the next things I know was Midfirst Bank filed a foreclosure action against me. My mortgage agreement has FHA/ HUD guidelines pursuant to 12 USC subsection 1717f and 42 U.S.C 3535 ( d ) Title 24CFR Part 203 Subpart C- Servicing Responsibilities, including, but not limited to 203.500, 203.501, 203.600 203.604, 203.605 ( a ), 203.614 and 203.616 a ) Duty to mitigate. Before four full monthly installments due on the mortgage have become unpaid, the mortgagee shall evaluate on a monthly basis all of the loss mitigation techniques provided at 203.501 to determine which is appropriate. Midfirst Bank, never attempted to contact, XXXX XXXX to attempt to arrange a face-to-face meeting with her to discuss her options, and certainly not within 30 days prior to filing this foreclosure action, as required by HUD guidelines.
08/09/2021 Yes
  • Debt collection
  • Mortgage debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29461
Web
My husband and I had a modification done on our home in XX/XX/XXXX, my husband developed some health issues and could no longer work his part time job, we were happy to learn that we could qualify for a modification to bring our home mortgage down, unfortunately we were not given the full understanding of what this would entail. We are in our late XXXX 's and needed to refinance, we learned that the mortgage company has a lien on our title for XXXX XXXX dollars!! We believe we were duped by Midland Mortgage, we really thought that they were interested in helping us with this, but behind the scenes they used HUD and us to get funds that really benefited them. I have spoken to both the mortgage company and HUD, according to HUD it is all based on the mortgage companies standards for this amount. Had we been thoroughly informed that we would have been responsible for an amount like this we would not have gone through with this modification, they only lowered the bill by {$100.00}!!. I do not believe we should be responsible for paying them this money..Thank you, XXXX & XXXX XXXX
03/20/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • SC
  • 29406
Web Servicemember
Midland Mortgage bought my loan from my first lender in 2022. The first lender provided all documentation, including a partial claim created due to the COVID relief period. They did not follow up or create an account with the USDA department regarding this partial claim. Even though they were given the information, their irresponsibility made a legal loop cashing the title of my house to have a partial share and no account on the USDA department about that partial claim they received. They have not provided any solution, assistance, help, guidance, or way to solve this matter. They are unwilling to help me do any of the steps mentioned before. Their customer service is rude, lies, and does not understand the legality of the case, but they avoid the calls, and when they respond, they argue with me as a customer instead of helping me to create this case! This has affected my ability to sell the property and has made derived costs for the seller and buyer in my case. They are wholly irresponsible and deceive me as a customer into following their unreasonable customer service.
02/22/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NC
  • 275XX
Web
My home loan was through midland mortgage. I was in the forbearance program for approximately 16 months. I sold XXXX home on XX/XX/XXXX 2021.My outstanding balance on my mortgage was XXXX, in which all my statement reflect this balance. My statements also show that there is no late fees due on the loan as dictated by the government for FHA loans. Midland Mortgage took the {$11000.00} in interest which was due as reflected on my tax statement. Midland Mortgage also took another {$13000.00} in which they keep telling me that it it interest and fees. I have reached out to a live customer service rep on several different occasions and they dont really tell no specifics but just saying I owe it. Back in XXXX when they first took the funds they had in my online file that the money was interest but they have since deleted the statement from my account. I also believe that the interest is calculated wrong at a 7.25 % rate the interest should have been {$7300.00} in interest charges. The buyers of my home sent the check to Midland mortgage first and they just took what they wanted.
07/22/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NC
  • 286XX
Web
We received assistance through NC Assistance Fund for our mortgage. We have a mortgage with Midland Mortgage. An ACH payment of {$11000.00} ( payment ID XXXX ) on XX/XX/2022. Midland mortgage still has not applied the funds and keeps sending us loan modification documents we didn't request. We tried working with Midland mortgage and sent back three signed separate loan modification documents at the beginning of the year. They kept denying the forms saying I hadn't signed them correctly. They never processed the modification after trying to work with them for four months. We then qualified for assistance with the state of North Carolina through the NC Assistance Fund. Now our mortgage company is refusing to process the payment and trying to pressure us into accepting a loan modification that is quite a bit higher per month than what I pay now. The funds from NC Assistance brought our account current and they are to receive a payment in XXXX, XXXX, and XXXX. Please help me with my mortgage company applying the payment. They accepted the payment and haven't reversed it.
01/19/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • FL
  • 34472
Web
Hello, Midland Mortgage Company is screwing me over! I am desperately needing help to argue that what my mortgage company is doing and has done to me is and should be illegal. I was approved for a loan modification in XXXX XXXX XXXX which was to bring my loan completely current. But, in fact they decided to tack on a ton of fees that i shouldnt have even have happened on top of the loan that they say is past due and also the amount keeps going up instead of staying the same amount which is what the mortgage company told me it would do. They also told me that i did not have to pay that past due amount till the end of the loan, but it is on my credit and also i can not get assistance from any agencys because it shows that i have a past due amount of over XXXX XXXX XXXX right after i had been approved for a modification! After all this I wasnt even supposed to have any fees at all since the application for a loan modification was supposed to put the whole account on hold while the application was being processed so that too should have been illegal. Please help!!
12/20/2017 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AZ
  • XXXXX
Web
XXXX XXXX XXXX we successfully received a loan modification on our home. The process was smooth and XXXX XXXX a division of MidFirst Bank was very helpful. All past dues was rolled into the new modification as clearly noted on our attatched modification paperwork. We have reached out to XXXX XXXX and they have stated over the phone that our mortgage is current and has been current since our XXXXXXXX XXXX modification. They claim that they did not send anything to collections as they do not have anything to send. The mortgage has always been current. We have also reached out to XXXX who is attempting to collect the debt. We have explained this every way we know how. They can not even explain why they are collecting the debt. We have provided them paperwork on the modification that clearly states that all debts have been satisfied and that we are have been current. We just have not been able to make any progress with them. We feel that we are being taking advantage of and treatened for no reason. We need your help. Thank you for your help. XXXX XXXX XXXX
09/11/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IN
  • 46260
Web
As of XXXX/XXXX/XXXX, Midland Mortgage ( a divison of Midfirst bank ) is alleging that I am behind 4 months in payments, and owe {$9300.00}. This is not accurate. Midland is holding a partial payment of {$330.00} and has n't applied the funds. Also, there was a payment of {$400.00} mailed last week ( XXXX/XXXX/XXXX ). My monthly payment is {$370.00} so once this payment is received, I will only be behind for two months. In XXXX of XXXX, we came home and found some unknown contractors in the house moving furniture around and they said they were hired by the mortgage company because it was in foreclosure. Upon this encounter, I immediately called Midland and the gentleman that I spoke with informed me that the property was NOT in foreclosure and that no one should 've been in the home. The police were called to the home and the officer made them leave, this is documented. With my monthly payment being {$370.00}, the most I owe is {$800.00} XXXX roughly rounded ). Midland is trying to force a foreclosure on my account and has no legal ground to do so.
06/10/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • FL
  • 32250
Web
I opened a checking account with XXXX on the XXXX of XXXX ( over three weeks ago ) motivated by a cash bonus for opening the account and completing some additional requirements. I have deposited over XXXX into the account. This institution does not have physical branches. I have zero access to my money or account through their app or website. I have not had access virtually since I opened the account. I know my user name and password with 100 % certainty. When I enter them it does not tell me they are incorrect. It says I can't login right now and to call customer support or something vague like that. Even so, I tried to reset the password multiple times. When I enter my information to reset the password it tells me there is not a user with that info. They have admitted fault in this issue. They told me that a batch of user accounts were accidently deleted. It has been weeks. Every time I call ( at least 3 times ) they tell me they are working on it. Then a week goes by and nothing happens. I have no access to the XXXX and they can not fix it.
08/08/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 76013
Web
This is the 3rd complaint that I have filed against Midland Mortgage for their failure to post my payments to my loan. Currently I am receiving assistance through the Texas HAF program. My XX/XX/2023, XX/XX/2023, and XX/XX/2023 payments were sent by HAF to Midland Mortgage ; who received those payments on Friday, XX/XX/XXXX. Today is XX/XX/XXXX and my payments have not been posted to my loan. The total amount past due was paid. I am still within my grace period for my XXXX payment and will pay that payment once I receive funds from my student loan on XX/XX/XXXX. There is no excuse for my payments being held by Midland Mortgage. They continue to hold my payments and show a past due status and charge my loan for erroneous late fees. Why are they getting away with this?? They held my payments that were sent in XXXX and held them for almost a full month before posting them. This is against the law and I do not understand why they have not been reprimanded. This is a FHA loan and payments received must be posted immediately. Please help me.
08/25/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NJ
  • 077XX
Web
I started the forbearance program in XXXX of XXXX with XXXX. During this time my job was secure and i was still making all my monthly payment on time and in full. Recently, in XXXX of XXXX i lost my job due to the pandemic, and have stopped making my mortgage payments while on the forbearance program in XXXX. In XXXX of XXXX Midland Mortgage purchased my mortgage from XXXX XXXX. i extended the forbearance once. So now im 5 months into not paying my mortgage. Midland Mortgage is stating because i started the forbearance in match of XXXX regardless of the fact that i have been paying all that time and have now only been delinquent for 5 months that i can no longer extend the forbearance program. So does this also mean i can go back to XXXX XXXX and tell them hey since i was on the program I want all my money back that i stood and paid during the forbearance program? This is completely unfair and does not make any sense whatsoever. This complaint to with my current mortgage holder Midland Mortgage, a Division of MidFirst Bank.
04/09/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • CA
  • 93033
Web
Greetings, I opened a XXXX XXXX XXXX' checking & saving accounts with XXXX Bank on XX/XX/XXXX. At the time, XXXX was offering a {$250.00} bonus for opening & funding new XXXX XXXX XXXX XXXX XXXX accounts, provided certian conditions were met. I met those conditions yet did not receive the {$250.00} bonus. I've contacted XXXX several times and have been advised that the matter is under investigation but never receive a cofirmation of the monies due. According to XXXX 's terms & conditions, in order to qualify for the {$250.00} bonus, one must receive ( 2 ) direct deposits of at least {$1000.00} within a 90 day period from account opening. I submitted deposits as follows : XX/XX/XXXX : {$1000.00} - XXXX XXXX | XXXX Distribution XX/XX/XXXX : {$1000.00} - XXXX XXXX XXXX XXXX Distribution As I've fulfilled the required as stated per XXXX 's terms & conditions, I respectfully request XXXX credit my account XXXX with the {$250.00} bonus I am due. Thank You, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX
02/18/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • XXXXX
Web Older American
In XXXX, due to a medical emergency that was not covered by insurance, I had to use my money to pay for the procedure and missed two mortgage payments. In XXXX, for two months, I made my regular mortgage payment and an additional payment which should have brought the account current. I have not missed another payment since that time. The mortgage lender has not properly credited my account. The lender at the time was XXXX XXXX. The sold the loan to Midland Mortgage. They continue to send me letters stating I am three months behind ( they count the current month ) and inform me that I am on the brink of foreclosure. I have been in my home since XXXX. I have sent them information to show them where those additional payments were made, but have been unsuccessful in my attempts to get them to properly credit my account. They want me to do a loan modification, but i have no desire to start my loan over again and I should not have to do that. If they did not credit those funds to my account, where did the money go? I need help!
03/06/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MO
  • 63366
Web Older American
my mortgage was sold to midland mortgage by XXXX XXXX XX/XX/XXXX, i have filed for a assumption of the loan since my name is on the title, XXXX XXXX XXXX XXXX XXXX XXXX is why im trying to assume loan, also filed for modification of loan because of that, and storm came through and took tree halfway down home insurance would nt cover that this was in XXXX of XXXX fathers day weekend, i used two house payments to have the split tree taken down and thats the only payments to mortgage i have missed, XXXX and XX/XX/XXXX, fast foward to mortgage being sold to midland mortgage by XXXXXXXX XXXX this mortgage company keeps sending me bills saying i stopped paying them, which i have bank statements saying other wise they have done nothing to my files of the assumtion packet i filed, they did send me a trial modification packet in XXXX of XXXX for XXXX dollars a month which isnt helping anyone, only to find out that FHA HAMP EXPIRED IN XXXX THIS IS A BOGUS trial modification this mortgage company is not trying to help me at all.
11/15/2022 Yes
  • Mortgage
  • FHA mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • TX
  • 77072
Web
I applied for assistance with my lender. I was informed that my payments would not show as late on my credit report if I applied and got approved for the assistance. XXXX I add that I have never been late on my loan. They approved my assistance. I was told by a representative the month of XXXX that as long as I made the full payment by the end of the month it wouldn't be reported late. It is not reported late till after 30 days of not making the full payment. I paid it in 22 days. I paid the full amount by the XXXX of XXXX. They reported it late on my credit report. The representative when I called stated that they where going to put in a request to get it fixed. They stated they declined my request due to me paying late. So the representative was misleading in the Mortgage Assistance hotline. I did everything they told me to do. Now they are back tracking on what they said that their policy was. I submitted emails of the credit reporting agency 's that reported it late to the lender so they could fix it on XX/XX/22.
06/08/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 78703
Web
I opened an account with XXXX on XX/XX/2021. On XX/XX/XXXX, a cumulative {$2300.00} was transferred to this account. On this very same day, I attempted to log in and was unable to access my account. After calling XXXX, I was informed my account was closed for " business reasons, '' and no specific reason was given. They have informed me it will take 1 week to formally close the account and another 7-10 business days to mail the check to the address on file. A supervisor named XXXX is monitoring my account and will notify me by email when the check is mailed. However, I am submitting this CFPB complaint, as this is truly the most outrageous experience I've had with a bank. On the day I transfer funds to this bank, they close my account and hold my funds XXXX for 2-3 weeks. It is incredible that they would not let a customer transfer the funds out prior to closure and instead hold the funds for several weeks. There is also no way for me to access the account to monitor the funds. This situation is extremely alarming.
08/11/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • CA
  • 92058
Web Servicemember
Hello, I am a XXXX XXXX XXXX Veteran. I have a Veterans Administration ( VA ) Mortgage with Midland Mortgage. I had a COVID-19 Forbearance Plan. I am able make my monthly payments again, but I am not able to repay the balance of my Forbearance. I have made a good faith effort to find a resolution to the situation, but Midland Mortgage has done everything possible not to cooperate. They continually claim that the documents necessary are either incomplete or that they were not received. I have confirmation that that the documents were received and I have resent them the same items multiple times. They are use the the threat of damaging my credit and taking away my home as a was to pressure me into paying the full amount, which I do not have. I have contacted VA about this, and VA said that they are improperly servicing the loan according to the COVID-19 Forbearance and VA Home Loan Mortgage regulatory guidelines. VA said that I should file this complaint. I have even filed a complaint with their Executive Staff.
08/11/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • AZ
  • 85282
Web
I deposited cash into my checking account once I noticed my rent had cleared. It was before XXXX AZ time and I was told previously by MidFirst bank representatives that I had to make any cash deposits before their XXXX Central time cut off. I made sure the account was positive when I left the bank after depositing cash. Two days later they returned my check and can not explain why? Now I have late rent and fees totaling over {$100.00}. They have offered no help and blame me for the entire situation. I deposited cash the first chance I got the day it went negative. They refuse to reimburse my apartment fees that they caused by simply not honoring my check when the funds where available in cash the same day before XXXX when the account first went negative. They gave me zero opportunity to deposit cash and allow my check to clear. This is illegal as I had no idea or notice of such procedures and they have disclosed zero information on check processing to me. No emails or phone calls and management is a joke.
05/31/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • OR
  • 97060
Web
I am unfortunate enough to have a mortgage through XXXX XXXX. They are very incompetent and dirty. I had my homeowners through XXXXXXXX XXXX and recently changed it to XXXX. I informed midland mortgage on XX/XX/XXXX that I was changing my carrier from XXXX to XXXX. I sent them the message, via email, with the new company and the new policy number. My old Policy did not expire until XX/XX/XXXX at XXXX, while my new policy became effective at XXXX on the XXXX. They never even read the email I sent to them. S now they are trying to make me pay for a {$1800.00} 3 month policy even though I have had homeowners insurance the whole month! They said I had to go to their website and update my policy, which I did, and it sent me to a third party site. I filled out all the information, but when I tried to submit the form, it would not do anything. it just sat there. It was not locked up because every time I clicked submit it went to the middle of the page. Once again, XXXXXXXX XXXX proves how incompetent they are.
11/01/2018 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Funds not handled or disbursed as instructed
  • AZ
  • 85225
Web
Using the online bill-pay service from our bank to our landlord, the physical check that was mailed by the bank arrived beyond the guarantee delivery window promised by our bank. When utilizing the bill-pay site, when a payment is selected to send on Monday the delivery date reflected is the following Friday. Our check arrived the tuesdat of the following week. This late arrival of the check incurred a {$75.00} fee ( plus {$10.00} each additional day ) from our landlord due to late payment. Our bank has a 5 day delivery guarantee for mailed checks or they will refund the fees. Upon presenting the bank with a printed statement from the property manager on their letterhead explaining the fee and late check delivery, the bank has yet to make good on its policy. It has been over 60 days of calls and visits and follow up on my part. Their position has changed several times, currently the bank is refusing to reimburse us the fee. It is unclear why they will not honor their own policy to their customers.
02/20/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MN
  • 55117
Web
In XX/XX/XXXX I received an email from my bankruptcy attorney XXXX XXXX regarding a back payment on my mortgage XXXX XXXX XXXX XXXX in the amount of XXXX dollars line XXXX in this paperwork states the motion is denied. this Mortgage was sold to Midland Mortgage XX/XX/XXXX. Knowing I was behind I wanted a clean slate with the new lender and sent them a cashiers check from my bank in the amount of XXXX dollars XX/XX/XXXX and according to the transaction history I recently requested from Midland mortgage because it's blocked were I can't access online this was never applied to my mortgage. This caused my escrow account insufficient. on XX/XX/XXXX I received notice of postpetition fees, expenses, and changes for late fees. for XXXX dollars. Most resent I received a notice of mortgage change dated XXXX to the amount of XXXX from XXXX. As of XX/XX/XXXX all my payments that I pay thru my bank are recorded as misc receipt. Midland mortgage have not applied all the payment since they acquired my mortgage.
11/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30122
Web
ACCOUNT # XXXX Midland Mortgage gave a payoff estimate to the buyer ' s of my home. Payoff amount as provided, was wired to Midland mortgage and sale closed. I moved out of property because buyer ' s were investors and required that I move out immediately. Midland Mortgage then realized that they made a mistake with the payoff estimate that they provided. They claimed that there was a shortfall of about {$2000.00}. Midland Mortgage started to report that as late payments on my credit report for all the months that they were trying to resolve this issue with buyer. Eventually, it was resolved, and extra payment was wired to Midland Mortgage. The multiple late payments which was not my fault has made it impossible for me to get a mortgage for another home. I have spoken to Midland Mortgage about this severally, but they have done nothing. Also, the mortgage loan is still showing as open and having a balance when in actual fact, the mortgage is fully paid and closed. Please help me sir/madam.
06/08/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • VA
  • 22191
Web
Reporting unfair business practices and policies by Midland Mortgage / Midfirst Bank. I was behind on my Mortgage by 6 months working on mortgage modifications. On XXXX XXXX , XXXX my house was scheduled for auction at the court house without any communications whatsoever from the bank / bank lawyers. I learnt of the sale through online solicitation of lawyers asking me to file bankruptcy to stop my foreclosure. When I called the bank five days from sale, the foreclosure sale was cancelled. It was later rescheduled for XXXX XXXX , XXXX . I never got the official denial of the modification. I was forced to file bankruptcy to stop the sale of my home. They have continued with their harassing phone calls despite notice by attorney XXXX of the foreclosure on XXXX XXXX , XXXX . The bank sends their personnel to my house on weekly basis peering and knocking on doors to leave a flyer to call them freighting my children and billing me for the unappreciated visits.
12/30/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NC
  • 28215
Web
Loan has been transferred several times after a modification was approved by XXXX XXXX in XX/XX/XXXX. With a first payment to be due XX/XX/XXXX. Then the loan was transferred to XXXX XXXX. they said to continue to make modification payments but they hadn't set it up and stated that I hadn't sent my trail paperwork back on time which was not true as I have fax transmissions to show that I sent the documentation. A representative was advised of this and states that the fax transmission was not proof that I sent the documentation but that's how they asked for the documentation to be sent. Shortly after this my loan was transferred again to Midland Mortgage. Midland Mortgage says that XXXX XXXX didn't send over all proper paperwork and are waiting on a title clear and that's what was holding Midland Mortgage up from sending the paperwork for the loan modification. I am now facing foreclosure on XX/XX/XXXX as nothing has been done and it seems that I am getting the run around with no assistance.
03/17/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • AZ
  • 85281
Web
Midfirst Bank sent me a Overdraft notice on my account. I never over drafted my Account and had My Identity taken over my cyber attacks on me I froze all my credit reports after this happened and spoke toy bank Midfirst Bank explaining these were unauthorized charges!!!! They said I was correct and the best thing to do was to shut the Account and that way charges couldn't happen again!!! They said they would credit the Account back to XXXX as I never had a negative balance in over XXXX years of banking there!!! I was a elite customer. Next thing I I know I go to open a new Bank Account and they placed me Midfirst Bank into XXXX XXXX and collections!! These are not my charges acct was closed with a XXXX balance. This is crazy and redicolous. Tried talking to collections at Midfirst Bank today they said pay the XXXX and they would remove me from XXXX XXXX. What am I supposed to do??? Pay unauthorized charges will if I have to buy there not my charges!!!!! Please advise as to what to do
08/04/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • CA
  • 90804
Web
I opened an account with XXXX on XX/XX/22 and enrolled in a welcome offer of {$250.00} by making XXXX direct deposit of {$1000.00} within 90 days and maintaining $ XXXX balance for XXXX ( XXXX ) calendar days following the second eligible direct deposit, offer details is attached. I have met the requirements by making XXXX {$1000.00} direct deposit on XX/XX/22, XXXX {$1000.00} direct deposit on XX/XX/22, XXXX {$1000.00} direct deposit on XX/XX/22 and XXXX {$1000.00} direct deposit on XX/XX/22, and kept the balance required. I also received XXXX of the direct deposit confirmation emails sent from XXXX after such direct deposit was made, please see the attached screenshot. However, I have not received the bonus as terms stated. XXXX is a division of MidFirst Bank ( stated at the bottom in all of their emails ), so I am looking for CFPB 's help to look into this fraud and have Monifi / MidFirst Bank credit me the {$250.00} per the offer terms. Looking forward to hear back from you!
12/23/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 300XX
Web
On XX/XX/XXXX, I sent a dispute complaint letter to midland mortgage and the XXXX confirmed delivery of the letter to Midland Mortgage, XX/XX/XXXX. As of today, XX/XX/XXXX, I have not received any confirmation from Midland mortgage nor any attempt to correct my issues I addressed in the dispute. ( XXXX ) Midland mortgage has been misappropriating the funds in my escrow account for the last XXXX years and ( XXXX ) this year they even pulled funds out of my escrow account to pay for fees and penalties that arose due to their negligence and lack of due diligence. ( XXXX ) As of today XX/XX/XXXX my property taxes still show a balance due for the XXXX tax year!!!!!! I have addressed all of this in my prior complaint letter to midland mortgage and I have called midland mortgage on numerous occasions before I sent the complaint letter and they refuse to address my concerns. My mortgage has been paid months in advance since XXXX so their treatment of my account is fully inexcusable.
09/16/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 33411
Web
On XX/XX/2022, payment was made to MidFirst Bank, regarding Account XXXX, held on the books of Midfirst Bank, by way of Registered Mail # XXXX XXXXXXXX XXXX XXXX XXXX, in an effort to satisfy the the Obligation. Pursuant to the uniform Commercial Code ( UCC 8-505 ), with MidFirst being a Securities intermediary, they are obligated to the Entitlement Holder for a payment or distribution made by me being the issuer of the Financial Asset. It is the duty of Midfirst to settle the obligations and provide notice to the Secured Party. Payment has been made via a Negotiable Instrument for the full satisfaction of the alleged debt. Please UCC 3-104. I need this Company investigated to get to the bottom of this matter. They have received payment and yet the account is reflecting a balance due and this account is being erroneously reported on the account credit report. This action meets the element of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida. XXXX XXXXXXXX thank you
01/09/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 754XX
Web
I have been in contact with the company since XX/XX/XXXX with multiple documents that they say are required to start the process to look into modification/assistance. I have faxed multiple times as well as emailed the documents on many occasions and receive calls and letters telling me that the documents I have sent aren't enough. I am now receiving letters and calls from investors and companies offering to buy my home. It is my understanding that they have 30 days to review my information to see if I am eligible for assistance. I paid them last month over 1400.00 and will be paying another XXXX on the XXXX but they appear to be lying to me just as XXXX XXXX did when they sold my loan to XXXX XXXX. I have know I have met the qualifications for the mortgage assistance but if they have already posted my home for foreclosure then they are stringing me along and intend to take my home without offering me a way to keep my home that won't stretch me beyond what I am able to pay.
11/27/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • TX
  • 782XX
Web Older American, Servicemember
I had a loan serviced by XXXX which I had complained earlier about taking almost a year to clear the forbearance issue. They placed the payments at the end of the mortgage after I cleared forbearance then even gave me a higher interest rate. At the end of the process they sold my mortgage to Midland Mortgage after I complied with all of their requests. Now Midland Mortgage who JUST took over the loan XX/XX/XXXX is telling me that I owe them a {$1000.00} payment for XXXX of 2021 when the loan was with XXXX and I complied 100 % with Dovenmuhle during the process and XXXX told me that ALL I had to do was pick up the new payment this month with Midland. I feel that Im a victim of both Midland Mortgage and XXXX who both did a very poor and unprofessional job. I should not owe Midland Mortgage for a forbearance that was approved and negotiated with XXXX. Midland just took over the mortgage XX/XX/XXXX so how am I responsible for XX/XX/XXXX when XXXX approved this already?
01/23/2021 Yes
  • Money transfer, virtual currency, or money service
  • Traveler's check or cashier's check
  • Lost or stolen check
  • AZ
  • 85381
Web
The IRA Department issued an improperly payable trustee-to-trustee cashier 's check in the name of an FBO that is NOT me. It also claims that the account number provided by the new custodian was wrong, but that's a load of garbage. The instructions by the new custodian ( that were originals that had been mailed when first received ) had been run through a fax machine at least three times, and it was the bank 's fax machine and procedures that caused the account to appear illegible XXXX made 6s look like 8s ), and none of that matters because the main problem was the payee designation. The error was 100 % the IRA Department 's fault, but the IRA Department will not send new funds until the incorrect check is returned. The incorrect check was never in my possession. It was all handled by the IRA Department. The IRA Department 's failures should not become my problem. Attached are copies of the improperly payable check and the illegible faxed instructions.
09/13/2019 Yes
  • Checking or savings account
  • Savings account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NY
  • 11101
Web
I recently opened an online savings account with Vio bank. I requested transfers from my XXXX checking account to Vio for the following amounts : XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$25000.00} XX/XX/XXXX - {$25000.00} XX/XX/XXXX - {$25000.00} I then received a notice that my checking was overdrawn because another transfer was requested on XX/XX/XXXX for another {$25000.00}. I then received a Vio email that yet another transfer was unable to process on XX/XX/XXXX in the amount of {$5000.00}. These additional transfers have overdrawn my XXXX Checking account and put me at serious risk of not being able to pay my bills. I asked Vio bank to stop the excess transfers and they told me they would need to open a dispute which could take up to 90 days. I finally put a stop payment for the excess {$25000.00} with XXXX that cost me a {$30.00} fee. I don't know if my account was hacked or how the excess transfers were initialized, but they were not done by me.
04/26/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • OH
  • XXXXX
Web
My mortgage fell behind due to unemployment. While applying for a mortgage modification, XXXX sold my defaulted lo an to Midland Mortgage/ Midfirst Bank . I then immediately began the modification process with Midfirst. I was told that they had received all of my documents for the modification. After a couple of weeks of waiting to hear about modification options, Midfirst s ent me a document stating that they have not received all of the documents for consideration of a modification. On the same day I received a notice that they 'd submitted my mortgage to an attorney for foreclosure actio n. Attorneys filed to foreclose on my property on XXXX XXXX , 2017 , without any consideration of a workout plan. I have been trying to apply for a modification and resubmitted my entire application online, but I am still getting notices in that they have not received all of my documents. While their online portal reflects that those documents have been received.
05/28/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • TX
  • 77479
Web
I referred a friend to XXXX XXXX, XXXX, in early XXXX. Both my friend and I were supposed to received a {$50.00} referral bonus after she completed the referral requirements. The requirements for the {$50.00} referral were to open a XXXX account using my referral link and making a {$300.00} deposit within 7 days of account opening. She completed these requirements and received her referral bonus the very same week. I received nothing, So I called XXXX. They told me to call back after 30 days if I don't receive the referral bonus. I called after 30 days and still received no help. All the customer rep keeps telling me is they emailed the promotions team and they're waiting for a response from them. I called multiple times after this and received no update whatsoever. Please get these people to credit me my referral bonus already. Here is the name and email of the friend that I referred so they can verify my referral. Name : XXXX XXXX Email : XXXX XXXX
06/30/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Opening an account
  • Unable to open an account
  • MA
  • 021XX
Web
On XX/XX/ I applied to open a Money Market account with Vio Bank responding to Vio Bank 's public advertisement. Vio Bank has declined my application and provided me with a Notice of Adverse Action ( enclosed ). The Notice of Adverse Action from Vio Bank has not listed any specific reasons why my application was declined nor it included my name on the notice. The Notice of Adverse Action had referenced a consumer reporting agency claiming that the information on a report from that agency had influenced Vio Bank 's decision. My consumer report from the consumer reporting agency that Vio Bank had listed on the report does not contain any negative information that could have been a reason for Vio Bank to decline my application. I believe that Vio Bank in their decision has not relied on the information obtained from the consumer reporting agency, but made its decision on their internal policies based on prejudices against non-typical customers.
02/02/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NY
  • 147XX
Web
I contacted Midland Mortgage in XXXX, during the XXXX XXXX, to inform them I was unable to work due to economic shutdown. I was approved for a program that put a hold on monthly mortgage payments. However, that program expired after a certain time period and I was informed all of the back payments were due to be paid. Unable to pay arrears to bring the loan current, I applied for a loan modification program to re-finance the mortgage. Unfortunately, I became XXXX and no family member could afford to make the initial instalment required to process the modification. Unable to process the 1st loan modification, I later re-applied for a 2nd but Midland Mortgage refused to process the modification until XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments were received with the paperwork. In order to " get ahead '' of the required modification instalment, I applied for a 3rd loan modification and was recently denied due to the property being vacant.
04/12/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • CT
  • 06010
Web
XX/XX/2020, I had sold my house under the representation of my realtor and attorney. ( joint with my ex-husband ). Two years later, HUD states we owe them over {$16000.00} including fees and interest. Originally {$11000.00} and they had sent wage garnishment without contacting either myself or my ex. After research, I found out that HUD was sending letters to the old address of which we sold the house. I have been in communication with HUD. I have sent in a letter for an appeal, all the proofs I had from the sale of the house and my address change information including mail received with the new address. I have given HUD a full explanation of our account. I have also contacted the mortgage company and have not received reasonable action. My attorney and myself have received the title and payoff letter from Midland stating " XXXX balance. '' This is a clerical issue on Midlands behalf and I will not be responsible for their operational errors.
11/24/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Trying to communicate with the company to fix an issue while managing or servicing your loan
  • TX
  • 75002
Web
I am currently behind in my mortgage and I am trying to sell the home. But it is liens on the home. The house was in foreclosure so to stop the foreclosure I had to sign some papers that added XXXX more to my mortgage. I had no choice. Now I have a offer but the offer does not cover the new amount and the liens. I have asked for a short sale once before and the liens would not accept less. Here we are in the same position. I feel the mortgage company is trying to make this house go into foreclosure again so they can take the house. I have tried everything I can to sell this house. But they refuse to go down on the price of the house. Or at least honor the original price so the house can be sold. I will not get a dime out of this house. And I am okay with this. I just want the house sold. But no one wants to work with me. This house has ruined my credit since covid. It's almost year later and I can not get any assistance with selling this home
08/31/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • LA
  • 70817
Web
I applied for mortgage assistance through the Louisiana XXXX XXXX XXXX. I was approved for $ XXXX, they are waiting on documents from Midland. When I call Midland Im being told that the Louisiana XXXX XXXX XXXX denied my application, I did a conference call with Midland and the Louisiana XXXX XXXX XXXX, the XXXX XXXX XXXX told Midland that they hadnt denied the application they are still waiting on them to send in documentation, the representative for Midland said she was notating the account and the matter would be resolved. As of today XX/XX/2022, this matter is on going. Whenever I call Midland its always the same thing, homeowners fund denied your application I tell the rep no thats incorrect Midland put those notes in there, its always a debate. Everyone I speak with at Midland always tells me something different, I have XXXX XXXX even thinking about calling, I feel like theyre trying underhanded practices to make me lose my house.
03/30/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • SC
  • 29681
Web
I am disputing the negative credit reporting to my credit report. I have worked hard to not have any negative credit reporting from Midland Mortgage. A stop payment was put on my account by my bank XXXX XXXX that I did not authorize. I paid my mortgage before it was 30 days late. When the payment was returned because of the stop payment. The bank realized that the stop payment was not authorized and removed it. I sent the payment the next day and it was paid. I sent my mortgage company a copy of an email from the bank saying that the stop paid was not authorize and removed. I asked the mortgage company to remove the negative reporting from my credit report because this was not my fault. Also, I have negative reporting status while I was under a modification plan. I do not feel that I should still be reported 120 or later while I was completing a modification plan. I was out of work 13 weeks and was late on my account. I had XXXX XXXX.
03/12/2021 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Unable to open an account
  • TX
  • 78665
Web
ON XX/XX/2021, I unfroze 4 bureaus that I have frozen, and applied for a savings account via Vio Bank. My scores are all above XXXX, and all information provided on the application is accurate. The website denied the application, without providing any reasons. The website did provide a phone number, which I called, but the agent said they can not provide any information nor the databases they used to deny my application. The agent suggested I tried again on the website. So I tried again two more times on XX/XX/2021, and again once on XX/XX/2021. Same result. I have decided to take my cash elsewhere ( I am just trying to maximize FDIC coverage by opening more bank accounts ). I do, however, demand that this bank inform me, in writing, about the reason ( s ) for denial, as well as the source of any and all information they have used to reach their decision, so I have the opportunity to contact the sources and rectify any errors.
08/30/2017 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • TN
  • 382XX
Web Older American
hello, i spoken to treasury yesterday and from what i was told midland mortgage received the morgagtor payment for incentive in final year of {$5000.00}. as of today midland mortgage ( the agency ) has yet to debit it to my account. I also was informed, the payment was sent bcos i met my standard guideline and stayed in home until my anniversary date of XX/XX/XXXX. i will now wait until XX/XX/XXXX to receive my monies. if i do n't see the debit coming in and credit going out of my account, i will be forced to seek legal action. as by law and right, that incentive of {$5000.00}, belongs to me the mortgager. i will also seek damages for stress and interest as well as my attorney fees to be paid. i have all documentation regarding this matter documented with midland mortgage as well as XXXX XXXX and XXXX XXXX from midland as well as treasury dept. i will now just wait 8 more days from today to pursue this course. XXXX
11/16/2023 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Unable to open an account
  • OH
  • 444XX
Web
This bank after having a mma and cd before, has continuously denied me from opening an account. They have no solid evidence to deny this. I have reached out to XXXX as I have a clear and clean record, and I have a perfect 800+ credit score with no freezes nor fraud alerts on my credit reports. This bank needs to be investigated as to why they refuse to allow me to open an account unless its because they are discriminating against me for my support of the XXXX XXXX XXXX XXXX XXXX which most banks hate. I have consistently XXXX to XXXX XXXX XXXX and XXXX XXXX presidential campaigns with the XXXX XXXX which is disclosed on tax forms. The bank would have knowledge of this and this is why after having closed my previous accounts they refuse to allow me to open a new account. As mentioned above there is no solid evidence with XXXX or the credit agencies as to why midfirst ( Vio-Bank ) deny the accounts from being opened.
05/01/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 75501
Web Servicemember
My payments were current until XX/XX/2023 at least that is what I thought after making my XXXX payment everything was showing that I was current and then a week ago I receive a statement saying that I was 2 months behind to my surprise and being told a few days ago without my knowledge that they had reversed my XX/XX/2023 payment to pay on my escrow payment and today they claim that my payment in only a year after being traded from my other lender that they have raised my payments 2 times by XXXX. But yet without my knowledge they reversed my XXXX payment and this has put me behind again and they won't me to allow me to make payments online because of their mistake. I have also reported the company to FHA. I am scared that they are trying to take my house away from me for their fraudulent acts. I have a XXXX XXXX child and a XXXX 's XXXX. My mortgage is supposed to be a streamlined and fixed rate. Please help me.
05/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OK
  • 73130
Web Servicemember
On XX/XX/2022 my divorce from my ex-wife was final. She was awarded the house providing that she removed me from the mortgage and deed. She has also filed a financial release of responsibility to the company. Midland Mortgage has refused numerous times to stop reporting the mortgage loan under my social security number. Ms XXXX has also contacted the VA and has assumed full responsibility for the VA portion of the loan. This amount of debt still showing on my credit report is impacting my ability to purchase my own home. The VA has said that it should not be showing on my credit report. I don't understand how I can be removed from the loan and the financial responsibility of the note yet it still shows on my credit report. I can't call or access anyone because my social security number is not in their system. So then how and why are they reporting it? Any assistance in this matter would be greatly appreciated.
03/02/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IL
  • 604XX
Web
I was approved for a loan Modification in XX/XX/2020. The payment was $ XXXX monthly. All payments were made as scheduled on time. Out of nowhere I received a letter from the Mortgage company around approximately XX/XX/2020, stating the Mortgage will be increasing approximately {$2000.00} due to an escrow shortage. This is not because the property taxes or homeowners insurance went up significantly high. This is because, of a {$7000.00} shortage created during the loan modification. I have been trying to get help to resolve the problem in some kind of way and have not gotten any help or solid information from the Mortgage company. The new amount is a drastic change for my budget and now the Mortgage is behind again. Midland does not call back to follow up as promised. Ive made all the follow up calls and still made payments to avoid the Mortgage from falling further and further behind. This is an FHA Loan.
10/06/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Improper use of your report
  • Reporting company used your report improperly
  • MO
  • 65201
Web
I sent your XXXX XXXX my dispute on XXXX, 2022 to validate the permission I gave to report inaccurate amounts and share my information with any third party reporting. I need for this to be properly investigated and stop reporting on my credit without my permission. I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you and my signature 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth? 6 ) Was there a release signed that gave you permission to share my information. I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results
10/04/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MA
  • 012XX
Web
Midland Mortgage is being difficult and not offering any post covid forbearance help on my FHA loan asking for unecessary documents to delay it, they bought out the mortgage at the time it was going into forbearance from XXXX who was always difficult to deal with. I've asked to be assessed for covid relief after coming out of forbearance only to be treated rudely from them. I've had to get an attorney with XXXX XXXX and will do the same if Midland doesn't respond soon with my loan modification documents, I've called and emailed them including the Vice President. Midland did send me a bill for almost {$30000.00} due the very next day after coming out of covid forbearance XX/XX/XXXX due XX/XX/XXXX in full. I know this Company is bad news and likes to cause people problems after reading similar complaints online at XXXX. I'm requesting my loan documents regarding a modification loan be sent directly ASAP!
07/06/2020 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Unable to open an account
  • VA
  • XXXXX
Web Older American
When I completed Vio Bank 's online application process for a " HIGH YIELD ONLINE SAVINGS '' account ( at XXXX XXXX XXXXwww.viobank.comXXXX XXXX, I got the following message : Unfortunately, we can not process your application. For assistance, please contact us at XXXX. When I called that number and spoke to XXXX ( sp? ) and XXXX, they both said they could not provide a reason for my rejection. However, I told them I needed to know because it may be an issue that I could correct, such as a credit freeze ( which is on my account because of past attempts to steal my identity ). I know I do not have a credit freeze on XXXX, but am unsure about XXXX or XXXX. I told XXXX that, under the Equal Credit Opportunity Act ( ECOA ), Vio Bank is required to tell me the specific reason [ my ] application was rejected. However, she adamantly refused to provide those reason ( s ) [ either orally or in writing ].
12/07/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other service problem
  • CA
  • 93705
Web Older American, Servicemember
I'm an XXXX XXXX XXXX widow. My XXXX passed away on XX/XX/XXXX. He had a XXXX in his name with Vio Bank. I waited the required 40 days following my husband 's death. In XXXX I called Vio Bank at XXXX to ask what documentation was needed to transfer the CD to my name. I sent the documents, the death certificate and affidavit for collection of personal property, via certified mail and it was received by Vio Bank on XX/XX/XXXX. On XX/XX/XXXX, I spoke with XXXX XXXX. The same day he sent me an email stating that they had received the documents, and that they were being reviewed by the legal department. Once approved, they would close the account and send the payment. Since that date, I have sent two emails requesting an update : XXXX on XXXX and another on XX/XX/XXXX. As of today I have received no response. I would like to receive assistance in getting a response and settling this matter.
03/12/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • TN
  • 37075
Web
URGENT! I have a closing next Friday XX/XX/22 In order to close on time I need my Partial Claim Payoff Statement from HUD. In order to receive my Partial Claim Payoff Statement I need Midland to file the partial lien claim with the Department of Housing and Urban Development in XXXX computer system. Midland still hasnt done this. I keep calling Midland to get this resolved and no one has taken any action to correct this for me. Instead Midland keeps pawning it off on HUD. They keep telling me to call HUD. Yet HUD has explained to me how this works and how Midland has to file this in the HUD computer system in order for them to move forward and issue me my Partial Claim Payoff Statement. Ive attached a email from XXXX who services the Partial Claims for HUD. They are also stating that Midland has to file the partial lien claim in order to move forward. I need this corrected ASAP to close on time.
10/02/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 33064
Web Older American
Our home in XXXX Florida sustained substantial damage during Hurricane Irma in XXXX. We settled with our insurance carrier and a joint check was issued to us and the mortgage company, XXXX Mortgage / Midfirst Bank in the amount of {$51000.00}. The settlement check was XXXX XXXX to XXXX Mortgage XX/XX/XXXX and the money was placed in an escrow account. In the following 6 months, XXXX has released less than {$6900.00} of the insurance proceeds, despite repeated requests for payment to contractors and reimbursement for out of pocket expenses. The last six phones calls have resulted in requests for information that was previously sent on multiple ocassions, or promises of payment that never came. To date we are out of pocket over {$5800.00} and will most likely have to pay at least another {$7100.00} to avoid having a mechanics XXXX put on our property, which would impact our personal credit.
04/09/2020 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Old information reappears or never goes away
  • PA
  • 190XX
Web
In XXXX I took out a mortgage with midland mortgage. In XXXX I got divorced, I gave the house to my ex wife. I had an attorney draw up property settlement agreement giving my ex wife the property. I shortly after that filled out and notarized the mortgage assumption paperwork Midland Mortgage sent me. I have been told several times by midland mortgage I am no longer on the mortgage and do not have any rights to information pertaining to the mortgage. My ex wife has modified the mortgage two times in the last 9 years. Both times in her name only. However Midland Mortgage stated that they have not released me from liability on this mortgage. Its very confusing because if Im not on the mortgage and she can change and modify this mortgage without my consent however it still reports to my credit. Please help me understand why she assumed the mortgage however I am still responsible? Thank you
11/05/2018 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • FL
  • 32309
Web Servicemember
XXXX XXXX XXXX XXXX is a lender based policy taken out by XXXX XXXX who is my mortgage lender of my VA loan. I had a slab leak XX/XX/2018. I re-piped my home XX/XX/2018 to avoid another leak. XXXX assigned XXXX XXXX XXXX to handle this claim. They would not repair the leak but stated they would repair items in the home damaged by the water leak. The claim number is XXXX, adjuster in charge of the claim is XXXX XXXX. Phone # XXXX, ext XXXX. I have called and left messages with no return call. I need to know what repairs they will authorize so I can move forward. My Home is in disarray and I'm frustrated at their lack of regard. Adjuster for this company came out two weeks ago and the contractor I want to do the work came out and met with the adjuster to discuss the repairs needed to get my home fixed. No response from anyone on what they will or will not approve. Please Help this VET!!!
09/13/2021 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • CA
  • 92344
Web
I am currently in the middle of a refinance with another lender and Midland mortgage has made it a pain to try and get documents for me to close on my refinance. Ive requested a document which we are going on a months time and still havent received it. I feel like they are preventing me from refinancing the loan and have been the worst mortgage company Ive dealt with. Every time I call no one is capable of helping me or sending me the right documents. We are in 2021 I shouldnt have to fax things over and hope they receive it since I do not get any confirmation. Im hoping they can get their things together and look to help out their own customers. It makes me very upset since its costing me money every single day that I have to wait for them to send me something that is so simple and could be easily emailed over even if its in a few days NOT MONTHS! Midland mortgage has been a pain!
04/19/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19023
Web
I have a mortgage showing on my XXXX credit file from XXXX XXXX. This mortgage was obtained in XX/XX/2002 by my mother. We both have the same name and I'm certain this is probably why her mortgage is was mistakenly placed on my report. The mortgage is not negatively affecting my report, however I am now trying to obtain a mortgage myself and this is causing a problem for me. When the home was purchased I was only XXXX old at the time which would make it impossible for my to obtain a mortgage, I was only in the XXXX grade. I have made attempts to have this removed so that I can start my home buying process but it has been a hassle. My mother and I do have the same name, however our social security numbers, age, and other things will verify that this mortgage DOES NOT belong to me and I am requesting that it is removed from my XXXX report and any other report it may be reporting on.
11/17/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TN
  • 37664
Web
I bought my home from XXXX, then they sold the loan to midland mortgage and my house payments started going up. No reason either the taxes were the same and the Insurance was the same. they claimed I missed a payment which I did not. Have proof of this then CoviXXXX hit. they had turned me in to the credit report co. my house payment was {$500.00} but after I tried to refinance my home is when I found out that they had destroyed my credit with lies. I then went to Credit repair to restore my credit. That's when midland mortgage told me the escrow was messed up and placed my payments at XXXX a month because they claimed I owe them. then put me into a forbearance that I never agree on. Credit repair found I had not missed any payments until thee Covid-19.I am XXXX with XXXX XXXX and on a fixed income. I have tried to reason with these people but they will not help me in any manner.
12/29/2022 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • NV
  • 89149
Web Servicemember
I took the COVID Relief option through the VA and Midland Bank. I was told that all payments owed during that time would be moved to the back end of the loan. I was told on XX/XX/2022 that if I send in all docs for the program to the Midland by XX/XX/2022 that I would not face foreclosure. I needed to also send in a payment of XXXX which would cover 3 months I owed ( XXXX, XXXX, XXXX ). I did that. I even called that Midland from the bank to confirm that I have the info correct. I was told to use Acct # XXXX XXXX # XXXX. I did this via XXXX at Bank XXXX XXXX teller. I was even given a confirmation number. I did all this docs and payment on XX/XX/2022. Now I get a notice on my door that I am in foreclosure and Midland says " they can not find my money even thought Bank XXXX XXXX confirmed that the payment was sent accurately. I need your help. I am a 100 % XXXX XXXX Please help
12/03/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NC
  • XXXXX
Web
I have applied for modification two times within a year. The company keep denying the application by telling me " I did not include or send in some required documents or it didn't received the documents verifying reason for falling behind on payments '' and/or " the documents I sent is unreadable. '' In short the company concluded, " I did not provide the documents required to evaluate me for MORTGAGE assistance program. '' To the best of my knowledge I sent my bank accounts statements, income pay stubs for the household and written statements to explain the reasons for falling behind on the mortgage payments. I do have copies of the application and everything I sent to company. I am concern now that the company is discriminating against me because I am a minority XXXX American family. Even the company have recently referred my MORTGAGE account to an attorney for foreclose.
04/08/2021 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NJ
  • 08043
Web
I was on a mortgage forbearance from XX/XX/2020 to XX/XX/2020. I returned to making regular mortgage payments in XX/XX/2020 and have made timely payments to date. I am now attempting to refinance, however, Midland Mortgage is preventing me to do so because I was unknowingly entered into a repayment plan and my statements show that I am late and that I have an outstanding balance ; which is a red flag for the bank I am attempting to refinance with. When I agreed to the forbearance via phone ( no documentation was required ), I was informed by Midland, that any unpaid amount would be added to the balance of my loan. I am now attempting to reduce my monthly payments by refinancing so that I can reduce my interest rate, lower my mortgage and ultimately stay in my home. Midland continues to push me into a repayment plan when I am aware that HUD offers other programs i.e. XXXX.
10/26/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30238
Web Servicemember
After a complaint to XXXX Mortgage about reporting my mortgage payments as late the mortgage company is now reporting that my mortgage loan account was modified. This reported information was and is not true. I applied for the mortgage assistance program in XXXX and was denied XXXX/XXXX/XXXX but In XXXX I again tried to apply for a loan modification that was denied on XXXX/XXXX/XXXX. There was nothing regarding any type of modification on my XXXX credit report or the XXXX report. The information is just now being reported by XXXX mortgage on my credit report after they had to do corrections regarding my payment dates In addition the {$70.00} from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX that I have been paying over the regular mortgage that XXXX had been charging back to me as a late fees has not been credited back to my account as additional principle or refunded back to me.
12/30/2022 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32218
Web
Midland Mortgage reported my account as being delinquent due to them receiving the Home Owners Assistance Fund and proof of wire transfer from previous Mortgage carrier XXXX XXXX XXXX for both the month of XXXX and XXXX. I have made a dozen calls to Midland Mortgage and to the XXXX XXXX XXXX to confirm that the payment was wired from XXXX XXXX XXXX to Midland mortgage for both XXXX 's and XXXX 's payment to avoid them reporting negatively on my account. Today i get an alert showing that Midland Mortgage reported on my credit report that my account was delinquent when i did everything i could possibly do to prevent this and was told that on XX/XX/28 that i did not have to worry about this issue because they are working hard to locate the wired payments that XXXX XXXX XXXX wired to them in XXXX and XXXX. I need this fixed immediately because i take my credit very serious.
08/09/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 322XX
Web
I was awarded funding through Florida 's Homeowner Assistance Fund ( HAF ) to help with mortgage payments that were behind due to COVID-19. I was awarded the funding on XX/XX/XXXX in the amount of {$10000.00} that was paid directly to the mortgage company MIDLAND Mortgage. For 6 months the mortgage company failed to apply the funding to the mortgage payments and held the funds in a separate " unapplied funds '' account. I've made several complaints to the company for holding the funds and applying late fees each month instead of using the funding from the state. After the complaints the company used some of the funds to apply to the monthly mortgage but still charged late fees. As of today, XXXX XXXX XXXX the company has stopped applying the remaining {$7200.00} and began sending past due statements when I still have funds available that can be applied to the mortgage.
03/29/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • AZ
  • 853XX
Web
I have been a victim of fraudulent activity on my account. I have made a Police Report with the XXXX County Sheriff 's department under XXXX, in which I described how someone used my debit card information and charged nearly {$310.00} cents from my account. I called the dispute deparment of Midfirst bank, and told them that someone used my card, and the dispute department closed my case saying that someone had the card and used it physically. Some of the charges are as follows XXXX XXXX XXXX- XXXX XXXX XXXX, XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX car wash XXXX XXXX- XXXX XXXX XXXX There was even a XXXXXXXX XXXX charge on the account for nearly XXXX. The police officer who took the report indicated that my information could of been taken with a " skimmer ''. The dispute department at Midfirst have failed to even look into this as well.
01/01/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • FL
  • 32824
Web
My loan was approved with XXXX XXXX for loan modification in XX/XX/XXXX. 1st Trial plan payment was paid XX/XX/XXXX and XX/XX/XXXX. In midst of loan modification approval, my loan was serviced transferred to Midland Mortgage. I created an account online for Midland mortgage and saw that the loan modification was denied, but it stated that I had until XX/XX/XXXX to turn in the sign trial plan without having to reapply for LM. So I emailed the signed trial plan to Midland mortgage on XX/XX/XXXX to the email address the representative over the phone gave me, but as of XX/XX/XXXX the loan has not been reopened so I can complete my final trial plan approval. I would like for Midland mortgage to reopen my LM application so I can pay the final trial plan and complete my modification approval, but they are not cooperating. They are requesting that I reapply for LM.
10/28/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Trying to communicate with the company to fix an issue while managing or servicing your loan
  • TX
  • 75089
Web Older American
I called Midland Mortgage to ask about Mortgage assistance. I was told that someone would CALL me back explaining the process etc. I never got a call! I received a letter stating that I would be notified if anything was needed. When I called to pay my mortgage for XXXX, they had changed my payment from {$2700.00} to {$3600.00} without notifying me about this or to see if I wanted this program in which I DO NOT! I tried to call and was unable to speak with anyone. I was not notified of this. Midland Mortgage did this without discussing this with me! I Am furious. I want to pay my regular payment and late charge for XXXX! Now, I cant pay it because when I called they had me with a payment twice as much. I did not ok this because no one called me with any information I want to pay my XXXX payment and they have changed the payment amount with my authorization.
04/10/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • SC
  • 29607
Web
I sold a closed on my house on XX/XX/XXXX. When I sold my house, I received the closing statement from the buyer 's attorney that listed the partial claim that was going to be paid back to FHA at the closing of {$35000.00} in XX/XX/XXXX and another one back in XXXX, I am not sure of that amount. But the overall amount that I had to pay back from the proceeds of my home being sold was over {$45000.00}. This was quite a surprise to me. I have contacted Midland Mortgage several times to get an explanation and an itemized printout of all payments, fees, and printout of payment history along with how this amount was calculated. I am just looking into this now because I sold my house. When I signed the one modification in XXXX, I had XXXX XXXX and was XXXX XXXX XXXX for 13 weeks. I was going through XXXX and XXXX for a year and on so many types of medication.
03/07/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • NC
  • 27834
Web
My name is XXXX XXXX I am the heir to The Estate of XXXX XXXX XXXX and I have tried to get the loan placed in my name since XXXX XXXX and continued to pay by money order for the home for XXXX and due to medical reasons moved out of the home XXXX of XXXX my sister 's children was still in the home at the time with God parents who did not make payments to midland mortgage so payments got behind. I moved back in home because midland assured me that I could take over loan if I moved back in. I have moved in on XXXX XXXX and have sent multiple times hardship affidaviate and everything that they needed to try to help with getting the home placed in my name and assume loan and modification because of my low income. Now they are putting the house in foreclosure and I do n't think that it is fair because they have not done what they said they were gon na do.
08/04/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • OK
  • 730XX
Web Servicemember
Sometime in XXXX of 2022, we were shopping around for some cattle out of state. One farmer contacted us saying they have what we are looking for and quoted us an amount of around {$800.00}. The seller showed us videos of the cattle. They then told us they needed a down payment to hold the cattle and to send it through the XXXX app. So we send round {$400.00} and then drove 5 hours to meet this seller. When we arrived, the seller texted my husbands phone stating Im not real dude, have a nice day. Filed a fraud complaint through our bank, they temporary put the funds back in the account. A month went by and we saw a negative balance of the amount that the bank put temporarily put back into our accounts. They told us they are not liable for this transaction because we authorized it. The company XXXX wont give us our money back because we authorizedit.
01/31/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 77008
Web
Mortgage Servicer : XXXX XXXX ( Mid First Bank ) My home flooded in Hurricane Harvey and took 14 months to rebuild. Previous mortgage servicer ( XXXX ) had me in a short sale program, even though the property was completely destroyed and being rebuilt at the time. At conclusion of their marketing requirement, my mortgage was sold to XXXX XXXX. For the last 5 months, XXXX has had me following the short sale procedures. Now that I have an offer for full market value, they are telling me that I do not qualify for a short sale because my credit score is too high and have to apply for mortgage assistance first. They are now foreclosing on me even though I have an offer, since it is an FHA-insured loan and the FHA will make them whole regardless. I've spoken with a HUD counselor and my attorney -- it appears XXXX is just trying to get the FHA to pay.
01/20/2023 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
  • IL
  • 604XX
Web Servicemember
On XX/XX/2022 I was notified of a " 120 day late mortgage payment '' on my credit report. I thought this was strange because we were actively in mortgage forbearance through our mortgage company as well as being under the Covid clause per the government. Now I understand that this was lifted however, I was told by multiple different agents that the company had not been reporting for months. I immediately sent our mortgage company an email as well as a phone call trying to make sense of this. We also had made a payment in XXXX and XXXX so I wasn't sure why this was being marked 120 days past due. Understandably, I thought it was from covid but I pulled the credit report and nothing was reported during that time frame. They sent me a first class letter saying it was accurate -- that was it. Nothing in detail and it seemed to be very looked over.
06/15/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Confusing or missing disclosures
  • NY
  • 10013
Web
I signed up the XXXX checking account under following terms : XXXX is offering a bonus of {$250.00} when you open a new checking account and complete the following requirements : Make two direct deposits of at least {$1000.00} each into your Spend Balance within 90 days of account opening. I completed the required activities and I confirmed with XXXX customer service representative that I would get the sign up bonus. However, XXXX changed their terms without advanced notification by adding additional term to disqualify my bonus : Maintain a beginning of the day minimum Relationship Balance** of {$1000.00} USD for fourteen ( 14 ) calendar days following your second eligible direct deposit. I contacted them and was told I should be getting the bonus based off the terms that I signed up for. However, as of today, XXXX refused to pay the bonus.
07/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 78045
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Midland Mortgage XXXX. XXXX XXXX Oklahoma XXXX, XXXX XXXX Last 4 of SSN : XXXX RE : Account Number XXXX To whom it may concern, I am contacting you because I have found some information that is in-accurate on my credit report. You are reporting a late payment on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on the account XXXX Mortgage Account Number XXXX This is not true, I was not late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I request that you verify the information and update the payment history on this account as PAID, NEVER LATE with all 3 credit bureau. I was on the Coronavirus-Related Mortgage Assistance Plan and I have been making my payments on time. After doing so please provide me with an updated credit report reflecting the changes. Best Regards, XXXX XXXX XXXX
03/16/2022 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • TN
  • 37075
Web Servicemember
I have a closing on my new home in 48hrs XX/XX/XXXX. In order to close on time, I need my Partial Claim Payoff Statement. I can only get my Partial Claim Payoff Statement from ISN if my lender Midland Mortgage has filed my Partial Claim in the HUD computer system. I have email confirmations from HUD & ISN stating Midland Mortgage has yet to file my partial claim in the HUD system. I have reached out to Midland Mortgage several times trying to get them to file my Partial Claim in the HUD system. Ive been making phone calls, sending emails, sending faxes and letters to Midland Mortgage since XX/XX/XXXX trying to get this resolved. I need Midland Mortgage to file my Partial Claim in the HUD computer system immediately so that ISN can generate my Payoff statement and I can close on time this Friday XX/XX/XXXX Loan XXXX FHA Case XXXX XXXX XXXX
10/23/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • IN
  • 46052
Web
I am on the delayed payment plan with Midland Mortgage until XX/XX/XXXX. Due to COVID, I was having trouble finding a job in XXXX so moved to XXXX for a new job in XXXXXXXX XXXX XXXX XXXX. My house is up for sale. I am supposed to have until XX/XX/XXXX and then a modification was to take place where the past due is put to the back of the loan and I continue making payments. However, there was a notice on my door from XXXX property group stating they are managing the property now. It was posted on XX/XX/2021. I was given no notice at all this was happening. The house is up for sale and it was quite embarrassing when a potential buyer was going to be shown the house on Friday XX/XX/2021. I did receive an offer last week that was extremely low and I would not be surprised if they were tipped off with the crookedness happening here.
12/27/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 60657
Web
My home was robbed in XXXX when my Mortgage company was XXXX XXXX. I replaced all of the items in my home per my agreement with XXXX. An insurance check was sent to XXXX reimbursing me for all funds spent which was over {$11000.00} dollars. XXXX was evacuated due to the California wildfires so my check was never processed. XXXX sold my mortgage to XXXX XXXX without my knowledge. XXXX XXXX received the insurance funds. Midland was to apply the insurance funds to the arrears since the inspection is complete and all paperwork has been provided. However, I am being threatened with foreclosure still and they have not applied the funds. I am being referred to foreclosure today XX/XX/2018 even though HUD has told them not to put me into foreclosure. The funds have still not been applied and they have still continued to charge me late fees.
08/28/2019 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Unable to open an account
  • IL
  • 60638
Web
On XX/XX/2019, I tried to open a new savings account with Vio Bank ( additional name or website for MidFirst Bank ). After completing the steps for the application and providing all my personal information, a page opened telling me that they were unable to process my application and provided a number for me to call ( XXXX ). I called the number and spoke with a representative where I provided my name, the last four digits of my social security, and my date of birth. I inquired about why my application could not be processed and I was told that they would not provide me any explanation. I called again and was once more told that they would not provide me with any explanation for why my application could not be processed. I asked to speak with someone else about the matter and they refused. Left with no other option, I hung up.
07/21/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • TX
  • 787XX
Web
I had an account with XXXX. It was acquired by MidFirst in XX/XX/2022. The account had some $ XXXX and I did not transfer the account. They issued me a check to the address on the file. Meanwhile, I had moved. I had USPS forwarding but the bank had sent the check through XXXX. By the time I enquired with the tenent and got the check, it was beyond XXXX days and the check had expired. I got in touch with the bank in XXXX. Here is where the ordeal starts. I have made XXXX calls. The agents all hear my story, I give them new details, agents put me on hold to talk to their supervisor, and come back with the same message - " we will mail you a new check to your new address next week '' or " XXXX of the supervisors will call you ''. No check. No calls back. It's not working. I don't know what else to do. Please help.
02/01/2022 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60451
Web
I have a FHA mortgage with Midland Mortgage. My previous employer went out of business in XX/XX/2021, and I received an unemployment forbearance. After that, I found new employment and applied for and received a COVID Partial Claim. So far so good. I have made all payments since the partial claim before due date and without incident. However, the credit report reads a 90 day delinquency for XXXX through XX/XX/2021. As the attached guidance shows, the mortgage company should not report a delinquency for those three months, and in addition, the unemployment forbearance payments were all timely made. Therefore all months from XX/XX/2021 to date should show timely. This has been an issue before when I had a previous unemployment forebearance and modification. The CFPB was extremely helpful in getting this corrected.
04/28/2022 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • NV
  • 89084
Web Older American, Servicemember
Midland Mortgage ( MM ) took over my loan XXXX XXXX from XXXX XXXX as I was coming out of forbearance relief. MM did not get me into thier system until o/a XXXX XXXX. On XXXX XXXX I was able to speak to an associate about processing VA loan modification under the CARES act. They have supposedly been working my file since and told me that title cleared on XXXX XXXX and final processing has been started and awaiting final VA approval. I spoke to VA loan technician on the XXXX of XXXX and they have no record of MM transmitting information about my loan modification I need to know what stage we are at in this process and when I can receive proper documentation as MM Mortgage is also sending threatening letters about foreclosure on the XXXX of XXXX due to past due amounts that are supposedly protected under the CARES act.
12/06/2016 Yes
  • Mortgage
  • FHA mortgage
  • Settlement process and costs
  • LA
  • 70785
Web
I recently was a victim of severe flooding in Louisiana. My home was damaged, and I was fortunate enough to have flood insurance. I received my insurance check made out to me and my mortgage company, Midland Mortgage. I sent the check to Midland on XX/XX/XXXX. I have began repairs to my home with my savings. On XX/XX/XXXX, Midland sent an inspector to check the status of my repairs. Their inspector said my home is XXXX % repaired. I have yet to receive a penny of my insurance money from Midland. All they say is that it is being processed. I am currently at XXXX % complete with the repairs, but have ran out of money to finish the last 3 %. I have made it clear to them that this is my money, I have paid the premiums, I have done the repairs and it is illegal for them to earn interest on Federal flood insurance money.
01/28/2017 Yes
  • Mortgage
  • FHA mortgage
  • Settlement process and costs
  • TX
  • 793XX
Web
Have XXXX damage claims with Midland Mortgage, one XX/XX/2016 and the other XX/XX/2016, and they wo n't release insurance checks for repairs. Contractors turned me down on XX/XX/XXXX claim, which will soon expire, due to Midland Mortgage actions. Contractor sent all documentation for XX/XX/XXXX claim day we signed contract, plus I resent and Midland Mortgage continues to say have not received, which has presented contractor threatening to sue for work completed. Please read customer reviews on Midlandmortgage.com to find this is the way they are treating all their customers. Our only way is to refinance and that 's not fair. My insurance agent says that many checks have already expired due to Midland Mortgage unorganized mess. Do they not understand we ca n't take care of repairs without " OUR '' insurance checks.
01/18/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NJ
  • 07840
Web
In early XXXX XXXX, I called XXXX XXXX, I explained that my husband was laid off in XXXX XXXX. They put us on a 6 month forebearance plan, the details were as follows : 6 month plan, monthly payments of {$250.00}. XXXX XXXX was the last month on the plan, I paid more than the amount requested. I asked " What happens when the 6 months are up and my husband is still unemployed '' I was told you can re apply and we will extend it. On XXXX XXXX I re-applied for the extention and I was surprised when I was denied, because our mortgage was in default by 9 months. Of course it 's in default, I was only supposed to be paying $ XXXX/mth. I will continue to try and make payments, but I was told eventually it will get to the point that my mortgage will go into foreclosure and I will not be able to make single payments
12/30/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30294
Web Servicemember
My mortgage was increased from {$1100.00} in XXXX of 2021 because of a escrow shortage for taxes of around $ XXXXMidland stated they could charge double for escrow shorts and increased my annual payment by {$850.00} divided by XXXXI paid the {$850.00} shortage to my escrow and paid the mortgage payment that had increased.I requested a escrow analysis and they only lowered my payment by $ XXXX.My payment should have gone back to the original payment of {$1100.00} since I paid the escrow short.There is no reason for midland to continue to collect the {$850.00} annually for my escrow and increase my Mortgage payment.I paid the {$850.00} escrow payment around XX/XX/XXXX XXXXThe analysis was done in XXXX of 2021 and the result was a {$4.00} decrease.I need my mortgage payment to return to {$1100.00} monthly.
05/05/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IL
  • 60446
Web
Midland Mortgage/Midfirst Bank has been harassing me and attempting to foreclose and put me and my children out. They have taken me to the XXXX XXXX XXXX XXXX where they and their attorney are attempting to foreclose on a property that is fully paid and Satisfied since 2005. I am A Natural Being. And I produced the Satisfaction of Mortgage to their attorney to prove that there was no debt and they should not have billed me for a property that has been paid in full since 2005. They continued to harass and threatened to foreclose on my property. They are attempting to commit theft by using their illegal acts in law to steal the property that I own. MidFirst Bank and their Attorney XXXX XXXX XXXX have violated the UCC laws ; TILA, and Mortgage Act. They need to be held accountable for consumer fraud.
02/09/2022 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Problem accessing account
  • MD
  • XXXXX
Web
On XX/XX/XXXX, I opened an Online Savings account with VIO Bank, and on multiple occasions from XX/XX/XXXX, to present, I notified VIO Bank that my cell phone number listed on my account as XXXX had changed and that I did not have access to that number any longer. I repeatedly requested that VIO Bank update my account cell phone number from XXXX to XXXX. I have made multiple phone calls to VIO Bank and provided identifying information verifying my identify however VIO Bank refuses to update my contact information to prevent IDENTIFY THEFT with the use of my old phone number remaining on file. As of today, VIO Bank has failed and/or refused to take the necessary steps to update my phone number to prevent my Online SavingXXXX account from being compromised with the use of the old contact information.
01/24/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • PA
  • 183XX
Web Older American
this is the second time iam filing a complain on midland mortage about my mortgage documents.i went back to viginia on XXXXmet up with my wife at XXXX and we both sing the papper in front of a notary and sing the papper the send me in the mail.theme to california.XXXX XXXX XXXX XXXX XXXX XXXX XXXXand XXXX informend me they delivy theme.on XX/XX/XXXX XXXX am.i also have a tracking # .so i dont know what they are talking about.i was put in to a forbearance be fore they took over my mortgage.they suspose to get me in to a morforcation at the end not trying to take my house that i live in for the last 13 years.they dont care a bout home owener they just want to take my house.like i said.every papper i gave to them some thing is worng with them.my next step is contact. ATTORNEY GENERAL OF PENNSYLVANIA.
08/13/2019 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • TX
  • 77034
Web
Good day! We are trying to escalate this file to Midland Mortgage because until now we don't have the short sale approval yet. We were informed on XX/XX/19 that it is conditionally approved and just need to submit some documents. We submitted the requested documents but the response is not handled in a timely manner. After waiting for several days or a week, they will tell us that another document is needed where they could have inform us the missing documents altogether so it can be submitted completely. Until this very moment, we still don't have the approval letter. The company and the person in charge of the file has no sense of urgency. We might lose the buyer because he has been waiting for this file since XX/XX/XXXX. We hope that they can fix this asap and provide the approval letter.
12/06/2018 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Information is missing that should be on the report
  • KY
  • 400XX
Web
My mortgage servicing was purchased by MidFirst Bank, acting through it's division XXXX XXXX and was transferred on XX/XX/2018. It is now XX/XX/2018 which is 126 days since transfer and I've made five mortgage payments ( XX/XX/XXXX-XX/XX/XXXX) to XXXX XXXX. XXXX XXXX has not reported any of these payments, or the existence of the account, to any of the three credit bureau 's and it is negatively impacting my credit score, as it shows my previous mortgage account as closed in XXXX and now appears as if I have no active mortgage account. I contacted customer service via phone in mid-XX/XX/XXXX and was assured that my payments and this account would be reported to the credit agencies on XX/XX/XXXX. This did not occur. I emailed customer service on XX/XX/XXXX and have not received a response.
09/23/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • CA
  • 92264
Web
Midland Mortgage took over as my Service provider from XXXX in XXXX. I was on a Forbearance plan at the time and resumed payments in XXXX of XXXX. After a loan Modification with them I inquired about it being reported to the credit agencies in XXXX of XXXX. Midland said it should appear by XXXX. It still has yet to appear on ANY of the three agency reports and two phone calls to XXXX and XXXX confirm there is no reporting. After several phone calls to Midland to solve this they continue to insist they are reporting my mortgage but refuse to contact the agencies to confirm or to even look at my reports to confirm. This has been a HUGE waste of my time and I have been told i would be called back several times with no follow up. Still no reporting of my Mortgage. Horrid customer service!!!
05/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CT
  • 06010
Web
We took advantage of Midland Mortgage 's Covid19 6 month relief program after paying our XX/XX/XXXX mortgage payment. We relieved ourselves early from the program on XX/XX/XXXX, paid the amount that had been deferred, as well as our XX/XX/XXXX mortgage payment. We were then reported to the credit bureaus for not paying our mortgage. After 7 phone calls between XX/XX/XXXX-XX/XX/XXXX to the mortgage company, we were informed on XX/XX/XXXX it had been fully taken care of and would be removed from our report. After being denied for a ( unrelated ) credit card due to delinquency on an account, we called XX/XX/XXXX to be informed not only had they not been contacted to remove the error, we were still listed as our account being deferred - despite making monthly payments since XX/XX/XXXX.
09/18/2022 Yes
  • Mortgage
  • VA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • 91977
Web Servicemember
My loan was transferred to Midland Mortgage by XXXX XXXX company after forbearance. in XXXX of XXXX. During that time after that date, I keep getting in touch to MIdland and asking them so what going to happen with my loan, they said that your paper works are not ready they still do not know because my papers are not completed yet. but you are not obligated yet to pay your monthly payment since, they still waiting for modification, then my modification was granted in XXXX and stated in XXXX of XXXX. Now I want to refinance my house I see that I have 120+ late payment in my credit report which is avoiding me to get refinance, How is that happen? when Midland mortgage just finished my paper work in XXXX and I started paying on XXXX and I was on time paying the mortgage since then.
01/25/2023 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33325
Web
Due to financial hardship I enrolled in a XXXX Delayed-Payment Mortgage Assistance Plan. The payments were delayed from XX/XX/XXXX through XX/XX/XXXX ( 9 months ). I applied for an extension on XX/XX/XXXX but was denied. Under the XXXX XXXX I was eligible for an additional extension. On XX/XX/XXXX the loan was referred to an attorney to begin foreclosure proceedings, these proceedings were stopped upon receipt of full payment ( see attachment ). Subsequently during this time Midland Mortgage began reporting negative remarks to my credit profile e.g. ( 180 days late, foreclosure process started ). During the time of reporting I was eligible for XXXX XXXX. These remarks have negatively impacted my ability to purchase another home and XXXX Mortgage refuses to remove the remarks.
12/06/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
  • TX
  • 79928
Web
I applied for mortgage assistance, got approved and got loan modification documents signed and returned along with the payment on XX/XX/23. I called XX/XX/XXXX to give XXXX payment for modification and they would not let me give a payment and told me to wait until the modification is 100 % approved. I continued to call 2 times per week to make sure it was accurate and each time I called they said it was correct dont pay it until the plan gets confirmed. I got a denial letter this morning for non payment of 1st plan agreement which is false as I wired the money and attached photo below. I called midland mortgage today and they said it must of been a mix up because they see the 1st payment and see the notes of workers telling me dont pay it until your loan is 100 % done.
08/22/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Funds not handled or disbursed as instructed
  • TX
  • 77433
Web
Dear CFPB XXXX, I'm reporting that I have been mistreated by XXXX Bank. I enrolled the XXXX Bank {$250.00} promotional program ( please see attached PDF ) by opening the new checking ( ending in XXXX ) and savings ( ending in XXXX ) accounts on XX/XX/2022. And I have met all of the requirements described in this program language/terms by early XXXX ( XX/XX/2022 ). However, today is XX/XX/XXXX, and the promised bonus ( {$250.00} ) has still not shown up on my XXXX account. I have been trying to contact their customer services by phone, however, no success. Therefore, I have to find a way to get the justice, and I'm glad that CFPB exists. I signed up today and it is the first time in my life that Im submitting a complaint. Please help solve it. Thank you in advance!
12/23/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • PA
  • 183XX
Web Older American
to who it may concern.i XXXX XXXX.was on aforbearance from last XXXX.un till now. with midLand mortgage.i apply for a modifiedcation.they prove me for a load modified.and sent me out some paper for me and my wife to sign.wich we are separate since XXXX XXXX.i inform midland mortagage that and she live in XXXX and i have to travel down there to get her to sing the modifcation papper s.so i did wen down thire on XX/XX/XXXX XXXX and we sing the papper and send them back to midland mortgage.than midland mortgage started to call me all day and night asking me when am i going to send the papper. and i told theme i did all ready.just keep calling me telling me they are going to forclose on me.so now i got to go all the way back XXXX .TO GET MY WIFE to sing the pappers.
04/28/2020 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • TX
  • 76123
Web Servicemember
Midland Mortgage is engaging in fraudulent activities concerning escrow and principal. Midland mortgage will not change payments when it is a lower amount. Midland will adjust other payments such as principle to balance out the overage that is owed to the consumer. They mislead with charges of inaccurate charges of escrow balances for insurance. Midland never refund any excess money owed to consumer as they increase other amounts. They have held my funds stating that my insurance was higher when in fact I requested a recalculation of my taxes 6 months earlier. Which was never done after several attempts to have them recalculate to an lower amount then what was owed. I am asking that midland mortgage practices is looked at and all funds is applied to my mortgage.
06/10/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • TN
  • 38104
Web
Account Opened and then CLOSED FOR BUSINESS REASONS I successfully opened a XXXX checking account on XX/XX/21, and am now being told my account has been closed for Business Reasons ( Security purposes ) and will not be told why. I still am able to log in to my account and I continue to receive emails along with a letter in the mail I received yesterday welcoming me to XXXX. This checking account was opened because there is a {$250.00} checking Bonus I was interested in. I feel this XXXX XXXX is opening and closing accounts along with other customers as a bait and switch move to bolster their open account numbers while quickly closing those accounts so the consumer is not be able to finish the qualifications to receive the {$250.00} bonus being offered.
05/16/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CA
  • 90037
Web
Midland Mortgage is violating the laws under 12 CFR 1024.39 and FDCPA Section 805 ( c ) 15 USC 1692e as well as provisions of the CARES ACT. I applied for a Covid -19 loan re-modification and was wrongly denied for not providing income verification. That is a direct violation of the CARES ACT and 12 CFR 1024.39. I have sent them a notice of error as my last good faith effort to Midland Mortgage before filing a lawsuit for damages. Enclosed please find their denial letter, my error letter and also the letter stating after the denial they received my information and waiting for title. This company is shady and full of lies and deceit. They are also retaliating against me by purposefully reporting wrong and derogatory information about my account to creditors.
03/09/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30228
Web
I paid my mortgage with XXXX XXXX on XX/XX/2019, their system had issues and when I finally got to pay it was after XXXX. I noticed a couple of days later that a credit monitoring report said I have a payment 30 days late on my mortgage. I called XXXX and was told that it was a mistake and would get corrected by a letter getting sent to the credit beaura. When I called to follow up weeks later I was told because I made the payment on XX/XX/2019 after XXXX it's like I paid in the XXXX. I think this us unfair because 1 the rep told me that it would be corrected, 2 I never knew about if a payment was made after XXXX it was for the next day, and 3 i actually paid on the XXXX which actually is a day before the XXXX. But they will not remove the negative report.
03/16/2023 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • GA
  • XXXXX
Web
I never received credit that was due to me, the co-owner of the property along with my husband for a change in home insurance. Midland Mortgage paid out both premiums. Id informed the prior company of our decision to switch our home insurance coverage to our present home owner insurance of XXXX. Since Midland paid both companies it made my mortgage payment increase to XXXX more a month to which I have been paying since XXXX. I need my mortgage to go back down to XXXX like it was before. I need the former insurance company to reimburse me the extra payments they caused me to pay all because they refused my refund. The insurance paid to them was NOT for my husband, but it was for OUR HOME. XXXX XXXX was never sole owner. Thank you for your time and help.
06/14/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 601XX
Web
{$5000.00} Forgiveable Silent Loan. I was suppose to receive the {$5000.00} refund after living at this address for 10 years ( lived here since XX/XX/XXXX. ) I was instructed to pay off the silent loan so I could refinance with a different mortgage company. The balance of the Silent Loan was paid in full by me on XX/XX/XXXX. Original FHA loan was with XXXX. XXXX sold the loan to Midland Mortgage Company The remaining of the Silent loan was submitted to Midland on XX/XX/XXXX. XXXX later folded ( out of business ). I am unable to contact Midland Mortgage Company as I am not an active Mortgage holder with that company. I was informed by Consumer.gov/complaint that Midland is responsible for repaying me. Original loan date was XX/XX/XXXX with XXXX.
04/17/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CO
  • 80022
Web
There were two months in 2020 where Midland Mortgage filled that I had late payments. The payments we not late, but an issue with the autopayment tool reverting payments back to an old mortgage account ID. I was not notified that it was listed as a missing payment until after the first month past. By then I was working in figuring out the issue. Everytime I tried to pay again that second month, the their system would show it was paid at the end of the process only to find out it would get reversed again 2 weeks. This two week reversal went on for 6 weeks before I figured out that the system was inputting an old account number and couldn't be matched with my account. I called Midland and wrote a note to the president and got no response. Please help.
02/17/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • OK
  • 741XX
Web
On XX/XX/22 - I received a check from my car dealership to pay for car tags. They made the check out to me, my spouse, and the Oklahoma XXXX XXXX. I spoke with agent XXXX by phone on XX/XX/22, and she confirmed that as long as I take it to the local branch ( that she called to confirm ), I would not have any issues with cashing it. I go by THAT local branch on XX/XX/22, and they advise me I could not deposit it because it was made out to all XXXX parties. They are providing false information, and misleading their customers. I only have a checking account with them, so I doubt anything will happen, but I wanted to make sure there is a record of this conduct. I am NOT expecting any type of resolution, because, well the big banks always win.
02/24/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 78634
Web Older American
I get XXXXXXXX XXXX XXXX XXXX Wednesday of the month and my mortgage with midland mortgage, is due by the XXXX of every month. Every month I get charged a late fee ( $ XXXX {$9.00} ) I have tried to change my due date to no avail. I call every month to get my late fee credited, to my knowledge, I was under the impression that the requested fee was credited every month til XX/XX/22 I was informed that I am only allowed 1 credit a year. So the other 11 calls for the late fee credit did not actually happen. The fee may be minor but it adds interest to my overall balance of my mortgage. I was told that I would have to sign an agreement for midland mortgage to electronically withdraw my payment. I declined due to past increases that I was unaware of.
08/18/2020 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
  • MA
  • 02720
Web
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
03/18/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • OK
  • 741XX
Web
I lost my job In XX/XX/2017 I did qualify for the reduced mortgage for a yr. I found a new job paying XXXX less than what I was originally making so it is hard for me to pay my mortgage. I have filled out the papers for the reduced mortgage but was denied when I ask my mortgage company they say the income is too much or less but will not tell me why. They referred me to HUD I called HUD and spoke with XXXX who does not communicate with me she can not explain to me why I was denied. So I asked to speak to her supervisor XXXX XXXX who has NEVER returned a call and I have left messages and sent emails. I do not want to lose my house but I do not know what I need to do, I am trying to get the help but it seems no one is trying to help me.
07/07/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OH
  • 43004
Web
Rather than paying my mortgage once a month, I'm attempting to pay a partial payment every two weeks. With this process, every monthly payment would be paid in full and on time. This process benefits me in that by the end of a year, I'll have paid one extra payment, paying down my loan faster. It additionally decreases interest faster. The company, Midland Mortgage, however will not allow me to make partial payments via phone or their website. They only allow me to mail a payment ( no one uses checks anymore ) and even then it will be put in an 'unapplied funds ' account, therefore eliminating the benefits to me listed above. Making this process difficult benefits them and hinders me, the customer, from getting ahead financially.
01/24/2018 Yes
  • Mortgage
  • VA mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AL
  • 352XX
Web Servicemember
I entered into a hardship program with XXXX XXXX after my husband had a XXXX XXXX in XX/XX/XXXX. During the program I paid the agreed upon amount around {$940.00} per month until the program ended in XX/XX/XXXX. XXXX continued to report as delinquent throughout the entire program even though we paid as agreed the entire time, I called and wrote to the company several times. Each time I received a form letter that stated that I was on the hardship program, which I understand but I am still paying as agreed. Due to this reporting as delinquent each month for three years our credit rating has tanked. Paying as agreed did not help us at all and my husband is XXXX % XXXX veteran and we can not buy another home or anything else now. .
03/10/2023 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
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • IL
  • 60620
Web
Doing my loan modification with my mortgage company Midland Morgage, I was told by countless representatives from Midland Morgage that while I was going to the loan modification that that there would be no late payments reported to the credit bureau I spoke to representatives from Midland Morgage XXXX XX/XX/2022 rep number XXXX. XXXX rep # XXXX XX/XX/2022 XXXX representatives # XXXX XX/XX/2022. XXXX representatives # XXXX XX/XX/XXXX. Which resulted into five late payments on my credit report. Being told by Midland mortgage representatives, one thing, and having the told opposite happened is financially crippling their incompetence about what to do. The consumer is being left out in the cold, without knowing what to do. Thanks
02/25/2022 Yes
  • Mortgage
  • VA mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • NV
  • 89048
Web Servicemember
I got a forbearance on my mortgage because of problems during the covid-19 problem. I'm a XXXX XXXX XXXX veteran and they have me paying not quite my whole mortgage while they are supposed to work out a new plan for me to catch up on my mortgage and become current. Since then they have reported all the missed payments to the credit bureau and now my credit really sucks. They are not suppose to do this and since it's a VA backed loan, I think that the people in this mortgage company should go to JAIL. The company is Midland Mortgage and my paperwork just was transfered to them from another servicer. This isn't the way this program was suppose to work and now they are making me look like a complete idiot. Time to fix this now!
11/16/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • VA
  • 23453
Web
I'm with Midland mortgage as my service provider. I've been in the FHA forbearance protection by the government up until XX/XX/2021. They even sent me a letter stating that XX/XX/2021. The month of XXXX came and I started receiving numerous phones calls from Midland Mortgage. They even left a voicemail requesting I call them back. Their billing department answered and said they was removing from my forbearance plan early and place me in review. I said don't do that because I'm not ready. They still done it anyway. I called several times trying to get on my forbearance plan as stated until XX/XX/2021 and they said I was. Then later said I wasn't and couldn't place me back on because I should have expired already. Its not true
01/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MA
  • 02122
Web
To Whom It May Concern : My mortgage company reported that I was 30 days late for my XXXX payment. There were issues with my bank as I was using a new account. The payment had been submitted twice and I was told that it was received ; however, three days later, I received an email ( each time ) stating that the payment wasn't processed. After the second attempt I submitted a payment via another bank and the payment was processed on XXXX. I called my mortgage company ( as I have been told that I am a valued customer and I have not had any late payments in over a year ) and ask them to rescind the late notice as my credit score dropped almost 100 points and they refused. I also mailed the request in writing. Thank you
06/29/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • NY
  • 10013
Web
XXXX has two active promotional events in the market. With two deposits, they will pay a {$250.00} credits as a bonus. At the same time, one term is advertised with the required activity to keep the {$1000.00} dollar in the account while the other one doesn't. I opened my account with them using the link and terms that DON'T require a {$1000.00} parking. However, after I completed the required tasks, XXXX refused to pay the {$250.00} credits. They stated that I signed up the account using a different link. When I asked for the proof regarding the two circulating sign-up bonus campaigns and the proof that I used the wrong link, they failed to provided detailed information and still refused to pay the {$250.00} credits.
07/02/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • OK
  • 741XX
Web Older American
When I transfer money from my XXXX checking account to my MidFirst checking account it takes forever for MidFirst to credit my account. The first time it happened I called them & was told it took so long because it had to go thru the clearing house. I'm sorry I didn't document the dates but I did the next time it happened. On XX/XX/XXXX I transferred money from XXXX to MidFirst. MidFirst didn't credit my account untiXXXX XXXX XXXX, 16 days later! With practically everything being instant these days I'm having a hard time believing that if transfers really do have to go thru the clearing house it takes them 16 days!? I believe MidFirst is dragging their feet & not applying the funds to my account in a timely manner.
06/09/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • IN
  • 468XX
Web
Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint because your company failed to provide the required notice of additiona l required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). The lender as of XXXX / XXXX / XXXX has stated the file is deemed complete and has been submitted for review with the underwriting team - The lender is in violation of Dual Tracking laws since that are refusing to postpone/hold the sale set for XXXX / XXXX / XXXX -
03/16/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • AZ
  • 85085
Web
Turned off overdraft payments. Company says I opted out of overdraft but not out of overdraft on automatic payments! Charged be XXXX overdraft on XXXX cent automatic payment for XXXX cloud. they MAY reverse it. Haven't yet. That said, how can the CPFB let them charge a XXXX percent interest rate on a 1 day loan in this instance. How is this NOT usury. I'd love to hear this. they also charged me a XXXX overdraft fee on a large auto payment, of XXXX which they should have rejected. I'll get it reversed one way or another. But for me, they're taking advantage of the poor and people that can't fight this like I will. I feel bad for people who are scraping by, and have banks take advantage of them like this!!
01/27/2024 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Private mortgage insurance (PMI)
  • VA
  • 22015
Web
I obtained my mortgage -origination- in XXXX, and since that time I have been paying the home insurance PMI until today thru 3 mortgage companies, the current one is Midland Mortgages XXXX I asked the company to cancel the PMI since I meet the conditions, but they refused and arguing that the loan first originated in the year XXXX. ( since the time I switched to them ). I do not know why they are citing incorrect reasons, especially since all criteria that allow me to cancel the insurance are met. No late payments and the market price of the house is {$550000.00}, and the remainder in the loan is {$260000.00}. In addition, Thank you very much for the help. Please help me with this matter. Thank you very much.
07/25/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IN
  • 471XX
Web
XXXX XXXX Midland Mortgage is who i am with have had nothing but trouble from them they have lied to me they say i am be hind i have sent them prove where i have made all my payments and have old payment books to prove but i am tiered dealing with them i cant refinance becouse they show me late or somthing is that against the law to show false creadit agaist some one? You let them try and take my house after paying 20 years on it and see what happens.I have tryed to get away from them and can not do.I am thinking about selling to some one i know for pay off and see how they like that.I think this company iare crooks i want away from them some how some way i will not take to them they get me so XXXX mad sorry.
11/09/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • OK
  • 74074
Web
I opened a new checking account with Midfirst bank during an ongoing promotion with bonus for new checking account after completing certain transactions. By XX/XX/2019 I completed required transactions and was eligible for the bonus, however, Midfirst decided on XX/XX/2019 to close my account by XX/XX/2019 by the terms of use of the account without any explanation. Also, they informed me 6 days after their decision. Moreover, the promised bonus was not paid although requirements were fulfilled. In addition, Midfirst terminated online and mobile banking access on XX/XX/2019 although my checking account was active, open and with balance in it until XX/XX/2019. My access to my funds was limited by the bank.
08/25/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Non-sufficient funds and associated fees
  • AZ
  • 85023
Web
Midfist provided temporary credit for a dispute, no notice was provided when it was reversed. They credit my account again. I called and I was told it was final. I called the branch amd was told I would get a call. Never got the call back. They then debited my account again. Again with no notice and after I was told it was final. I at this point am so confused and feel I am missing {$350.00}. This bank has caused an a massive amount if stress and inconveince. I have children to take care of and I feel they think it is ok. Just to mess with peoples accounts ans they take no responsibility to the stress and confussion they have caused. I believe they are breaking regulations and they need to be investigated.
12/10/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 78634
Web
I am in the delayed payment assistance program for COVID-19 for my mortgage. I was current on my mortgage when I went into this program. I was told by Midland Mortgage that this would not negatively impact my credit in anyway, it even shows on the website when I log in that I am current and on a delayed payment program because I have a FHA backed loan and I am due to resume payments in XX/XX/2021, however they are reporting to all three credit agencies that I am late 60 days on my payment. I have called Midland Mortgage at XXXX and discussed this with them however they continue to report me as late even though when I log in on the website it shows me current, this is lowering my credit score tremendously.
01/25/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • CA
  • 94703
Web
I wasn't a customer of MONIFI ( and/or Midfirst bank XXXX before. In late XX/XX/2021, I found their advertisement ( see Attachment {$250.00} promo for new relationship ) on the Internet, then I opened the checking ( so-called 'spend ' ) and saving accounts online to be a new customer. I met their XXXX direct deposits requirement from my employer on XX/XX/2021 ( amount {$1000.00} ) and XX/XX/2021 ( amount {$1400.00} ). However, this bank didn't deposit the {$250.00} into my account as their advertisement said in 45 days after meeting the direct deposit requirement. I am afraid it is a bait and switch to bolster their account openings and to deny the right for me to successfully obtain the {$250.00} promo.
08/22/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AZ
  • 85042
Web
I was behind on my mortgage due to covid and received assistance from the H.A.F program. They contacted the Midland mortgage company to get the total amount that was late, the amount they gave was {$30000.00}. In XX/XX/2023 the H.A.F program paid that amount also an additional {$930.00} for XXXX so everything will be caught up. My XXXX statement reflected a late fee of {$730.00}. I called the mortgage company and they said it will be updated. The following month it showed the same, so I decided to write a letter to ask if it would be corrected. When I called to follow up they told me it was not showing as late. My statements and credit report is showing they still have me past due, can you please help?
04/21/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MD
  • 20774
Web
The mortgage company has money from a check from my insurance company. The money is to repair my roof. The total cost of the roof replacement is approximately $ XXXX. The mortgage company has $ XXXX. The contract/estimate from repairing company states the need XXXX of the total repair cost ( $ XXXX ) to start the work. The mortgage company will not release XXXX cost to repair the roof. Meanwhile, my house is damaged more every time it rains since the repairs have not started. I have asked several times for them to provide XXXX of the total cost. The company only wants to release XXXX of the $ XXXX which is not what the contract requires. No one provides a response to me after I have made my requests.
11/15/2018 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
  • AL
  • 35749
Web Servicemember
My mortgage loan was sold to XXXX XXXX not by my request. They obtained the loan XX/XX/2018 and have not reported to any credit bureau as a result one of my credit lines was decreased and my credit score dropped several points. I called XXXX XXXX and was told they don't report new loans for 90 days By Law and that they would not report my account until XXXX. I called back due to not being satisfied with the answer received and spoke to a supervisor and was told they don't report right away to give the customer time to adjust to them as a new client. The supervisor advised me they would report this month XXXX which is different than what the representative told me. This is completely disappointing.
03/26/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • 07753
Web
XXXXXXXX XXXX reported me 30 days late, even the the loan was paid off on XX/XX/XXXX. I had spoken to them in early XXXX and was told that, as long as the payment was sent on XX/XX/XXXX, it would not be late. I knew the home was closing and would be paid in full. Despite what they told me, they have reported me late to the bureaus, but NOT reported the loan as being paid. This is ruining my credit and my ability to get another mortgage. XXXX XXXX payments were ALWAYS on time. I spoke to XXXX on XX/XX/XXXX and asked for a supervisor 6 times. She would not allow me to speak with one. XXXX XXXX needs to contact the credit bureaus and remove the late payment, and also report this loan as paid in full.
09/07/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • LA
  • 701XX
Web
XXXX is an extremely poorly run online bank. Their desktop website does not allow me to log in on any of 3 browsers I tried, and the mobile app is nonfunctional as well, and its Plaid integration fails to allow me to connect any external accounts I have. My money is stuck in my account, and I just found out over the phone with support staff that they disabled transfers out of the bank. They are trying to instruct me to enable them, but have limited knowledge of their app UI or how I can do that. Extremely frustrated that my money is stuck with XXXX. They were unable to locate records of any of my transfers out. They should be shut down until Midland can figure out how to create an app that works.
06/10/2021 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
  • FL
  • 335XX
Web
I already contact the collection company and been paying that account. They told me if I still paying that they will made a good report to the credit bureau because I want to buy a house. The other is that I already pay my house that I sold out about 1 year ago. Have 2 mortgage I don't know why. The house is sold out in good standing and I see that still appears that I owed that I already paid it why is not in my credit report and my credit report still in XXXX or 500 something. This is insane, you people are the worst credit bureau that I ever know. I'm going to report this, I know people that want to start again and can't for you. My wife and I want to buy a new one and we can't for this
01/26/2022 Yes
  • Mortgage
  • VA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • PA
  • 186XX
Web Servicemember
I have tried to get on a forbearance or a repayment and the mortgage company wont do it. I called to pay back money when I was late and they told me it was going to foreclose on me told me I couldnt pay unless all money was paid up front. 6 month later they told me all I had to do was pay the back payment which was was way higher now. So they lied to me about paying just back payments. Spoke to several people in this 6 month period. Filed a complaint before they said they would work with me and now after compliant filed closed they wont help me still second lie being told by mortgage again. I just need a repayment plan to get my mortgage back on track after I lost my job and covid hitting
10/04/2023 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Closing an account
  • Funds not received from closed account
  • OK
  • 731XX
Web Older American, Servicemember
Attempted to withdraw funds from CD from mothers estate, bank refused to release funds for 3 to 5 days until legal could review documents which were scanned into their system. Placed complaint to corporate. As complaint was being placed, received call from branch manager, funds were now available. It is exasperating that we provided all of the proper documentation and this is the only bank of 10 that we have visited to close my mothers estate that refused to release funds from CDs, which she had invested with them, advising us that they would have to wait 3 to 5 days for a legal review. After complaining to corporate, received call from branch advising check was ready to pick up.
12/12/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 326XX
Web
I 'm currently in a repayment agreement with Midland Mortgage, when my home 's roof and ceiling suffered storm damage form XXXX. I was told by a representative of Midland to make the necessary repairs and the loan payment would be taken out of the insurance check. I was behind approximately 15 days because I make repair to my home to make it safe and livable. Midland received a check in the amount of {$6200.00} but Midland loss mitigation employee, XXXX, refused to apply any payments and cancelled my repayment plan and submitted my loan for foreclosure. When I spoke with XXXX, he had a very insensitive negative attitude. Considering the circumstances, his actions were very nasty!
11/21/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30260
Web
Midland Mortgaged REDUCED payments for three months to {$92.00} due to economic hardship. I made the reduced payments of {$92.00}. They in turn reported the payments late which negatively and drastically effected my credit score by XXXX points. I called on XXXX, XX/XX/XXXX and XX/XX/XXXX and have not received written acknowledgment that this was a mistake, despite several customer service agents verbally saying so. Midland Mortgage needs to accurately reflect the status of my mortgage payments. Payments were made on time for the months they reported late. Payments received after the XXXX of the month are late. In the history of my account, I have never made a late payment.
11/19/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MS
  • 38654
Web Older American, Servicemember
I have disputed a fee charge on my account on more then one occasion it is a fee charge of {$2100.00} which has nothing to do with my mortgage loan. I was told it was a fee that was charged because of something they requested on their error but since they ordered it that I had to pay for it, I don't think this is fair to me, or to any other consumer. I am not sure if this is a practice of this company, but I have just come out of a financial hardship which I had to modify this mortgage. In I do not have the resources of this company or the government assistance they have, I am sure I have paid them enough interest to cover their mistake, but they don't seem to have any concern.
08/10/2016 Yes
  • Bank account or service
  • Other bank product/service
  • Deposits and withdrawals
  • OK
  • XXXXX
Web Older American
A trustee withdrew all money from a checking account, my count {$190000.00}, FBI 's count {$190000.00}. He was indicted for fraud, and I was awarded more than {$380000.00} in the civil case XXXX XXXX, XXXX. He pled guilty XXXX XXXX, XXXX, His first federal court appearance was XXXX XXXX, XXXX, and police reported he died that morning. The indictment was dismissed. He was not punished. I received no restitution. The present trustee will not show statements, and I may be about to lose another {$200000.00}. The bank is powerless to stop it. The trust provides the bank ca n't show me statements or allow my transaction. It 's a clever, legalized stealing scheme no one here has seen.
10/20/2017 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
  • CO
  • 80247
Web
Midland Mortgage co. is reporting that my home loan acct was included in a bankruptcy. This is wrong, It was reaffirmed. I paid it in full and never missed a payment. I contacted them about this error and was told this account has been settled and they have no interest in reopening it. Side note : they have over the years been very difficult to get info, they refused to return my mortgage ins payments long after I was not required to make them and even wrote a reply letter of refusal stating I was not eligible to stop mortgage ins ever. I believe they owe me several years of mortgage ins payments. most times I contact them they ca n't find my acct. until I am persistent
01/25/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 33324
Web
My mortgage servicing, loan # XXXX was recently sold from XXXX XXXX XXXX to Midland Mortgage. My loan is currently in forbearance until XX/XX/2021. Since my loan was sold I have been consistently receiving three to four phone calls per day, some pre-recorded some not, informing me that my loan was delinquent and that I should contact the Lender immediately to avoid foreclosure or damaging my credit. In addition to these harassing phone calls are threatening letters implying that my loan is delinquent and the lender may need to visit my home. There are also letters some some which I have discarded implying that my loan is delinquent and that I need to contact the Lender.
09/05/2019 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • TX
  • 77396
Web Servicemember
This Mortgage company raised my mortgage XXXX When asked why they stated because my taxes increased as well as my homeowners insurance. Which both are correct. They then directed us to lower our homeowners insurance and this will get our payments back down, so we did just that only to receive a XXXX decrease. When asked how did they come up with the outcome to raise our mortgage from XXXX to XXXX they cant give a definite answer. When sked to speak to the person that perfume the analysis they stated that they don't take calls. I am a veteran and I find it extremely disheartening to have fought for my country to only end up being literally robbed of my hard earned money.
10/27/2023 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Problem accessing account
  • OK
  • 730XX
Web
I changed phone companies and they wouldnt port my previous number so it was changed Vio Bank a division owned by Midfirst bank will not change my phone number on my account. I have verified with two service agents on the phone my account, my birthdate, last four of social, code word on account, I have been told by two other reps to go to a midfirst branch and I knew midfirst reps can not change anything in vio system. Then they asked for proof from phone company which was sent through a midfirst branch. This has been two days and they are still holding over $ XXXX hostage. I am now at XXXX on Friday and scheduled to fly on vacation which I will have to cancel because
08/10/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • AZ
  • 85303
Web
Hello, I was between jobs and fell behind on my credit card payment. I made the payment to bring it current online, as the account was showing active and also allowed my to transfer into the account. On the app, it shows that the card even has an available balance. As I tried to use the card, it declined. I called and was told it was in a closed status and the card could not be re-opened. I feel that the statement and the mobile application is both deceiving and provides misinformation. The card shows open with an available balance and I brought it current to retain it. This is a poor practice and is very misleading. I want this card reopened as I was led to believe.
10/03/2022 Yes
  • Mortgage
  • VA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • VA
  • 23435
Web Servicemember
You closed my case XXXX and this issue is not resolved. We received a letter from the mortgage company, but they still have our account as if we are three months behind, we have missed no payments. We still can't get a clean Payoff of our mortgage to refinance or sell. this company seems really confused and has cost us a good interest rate and the home market is falling and we have loss equity in our home if we chose to sell when we originally started this process back in XXXX and it is now XXXX. Please HELP us they still have our account wrong due to us using the CARES ACT. Please see attached letter stating we still 3 months behind. We have not missed one payment.
02/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 331XX
Web
Midland Morgtgage is reporting mortgage delinquency payments during forbearance program approved by previous mortgage company. ( XXXX XXXXXXXX XXXX ). I never paid late to Midland Morgate, and Midland Mortgage failed to verified proper forbearance approved documentations prior adquiring the new loan. ( 2 forbearance signed document packages were submited to XXXX XXXXXXXX XXXX during forbearance program on XX/XX/2020 ). Because of this wrongly report to my credit, I was denied with a mortgage loan to buy a property. Before this issue, my credit score was XXXX, after wrong report was made, my credit score went down to XXXX and jeopardized all my financial stability.
05/26/2020 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • TX
  • 76123
Web Servicemember
I have submitted numerous complaints involving Midland Mortgage fraudulent practice with escrow account. Midland mortgage refuse to reduce mortgage payments to reflect accurate payments. I have submitted documents called and did two complaints with CFPB with provided documents and response from mortgage company stating they have reduce my payments. Midland mortgage have held payments reflecting negatively on my credit as late when in fact they are holding payments over the amount that I owe such as {$870.00}, but I paid {$890.00}. This is trickery that complaints are done and the company can continue to make false statements. Please see the attached documents.
11/30/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • PA
  • 17404
Web
I applied on the XXXX ( a Midfirst division ) app on or around XX/XX/21. While I was creating user name and password, the app crashed. I couldn't go further. I called XXXX and was told that retry in XXXX days. I did retry but now it was saying that I already have a relationship with them and can not proceed. I called again, and was told that they do see me in their system but for some reason, I was not assigned account number due to technical glitch. At that time, I was informed that I am successfully approved too, but it may take couple days to get the issues straightened out. Its now over a month, and I am still without account number and online access.
01/26/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • VA
  • 20112
Web
I was unemployed due to business closure for 18 months and got behind on my loan. I am currently employed and have tried to get a loan modification that will help me pay my current plus the arrears but I have been denied by XXXX XXXX. I want to keep my home and I am working three jobs just to get extra income to pay my mortgage and arrears, but XXXX XXXX has refused to help me with a viable plan. They appear eager to foreclose my home and have stopped taking payments from me which has caused me to get further behind. I want to keep my home and make my payments as I did prior to my job loss. Any assistance you can provide will be greatly appreciated.
11/10/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Escrow, taxes, or insurance
  • IL
  • XXXXX
Web
XXXX XXXX contacted Midland Mortgage Representative customer service regarding why my account is showing owed {$3000.00} an I have never been late. My Realestate taxes increase and I was put on a 3 months trial and I completed the trial and no papers for my new plan received and date for my new payment to start. It appears to me that my maturity date to pay off my mortgage is XXXX when I never agreed to extend my maturity date. I am aware I have a subordinate lien that will be paid off at anytime. Not to extend XXXX more years on my loan that I only owe {$23000.00} I have not received any communication from Midland Mortgage as of today 's date.
11/04/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • WI
  • 539XX
Web Older American
And several locations they make sure they dont pay post my payments are there real late and posting my payments and currently doing that now causing me to go into foreclosure and getting an attorney and spending extra money in time to avoid foreclosure this is happened three times before I dont know whats wrong with my lawyer and why they havent caught this but they are companies that are notorious for doing things like this I would like somebody to represent me and help me through this process they say theyre three months behind and Im not Ive gotten all the bank statements and proved it to my lawyer and to them and still at no regard got nowhere
07/11/2021 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Funds not received from closed account
  • TX
  • 75069
Web
I applied to open an account with XXXX XXXX, a division of Midfirst Bank on XX/XX/2021. The account was approved on XX/XX/XXXX. On XX/XX/XXXX {$100000.00} was withdrawn from my transferring account - XXXXXXXX XXXX. On the evening of XX/XX/XXXX XXXX sent an email notification of a failed transfer. I have called twice XX/XX/XXXX and XX/XX/XXXX. The first time they said they had no record of the transfer. The second time I was told the bank was closing my account for " business reasons '' and the funds should be transferred back to me by XX/XX/XXXX. XXXX XXXXMidfirst Bank is still holding these funds currently - this is theft. Account # : XXXX
01/05/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 75089
Web Older American
XXXX XXXX XXXX XXXX : XX/XX/XXXX Amount : {$270000.00} Paid 22 months/No Late Payments Covid Forebearance 17 months Past Due Amt. Total : {$42000.00} Escrow {$530000.00} Tot {$43000.00} The Breakdown per Midland of the XXXX payment of XXXX, XXXX {$8200.00} Principal {$18000.00} Interest {$16000.00} Escrow/Prperty Taxes XXXX XXXX XXXX XXXX Total amt owed for home is XXXX, XXXX if I payed off by XX/XX/XXXX My Concern ; Now I with the two loans owe {$33000.00} more than when I bought the house. So I overall for 17 months cost me more debt to the amount of {$33000.00} by using the Cares Act Not sure if that is correct. My phone number XXXX
07/01/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • PA
  • 19111
Web
On XX/XX/2021 I change homeowners insurance my new rate was way less. The insurance company along with my self on XX/XX/XXXX notified my mortgage company. They responded with they paid my old homeowner policy already. I ask why because I was still in the right time frame to renew or change. There response was they always pay 3 weeks in advance ( News to Me ) So anyway I ask them to adjust my mortgage and they gave me a run around that I actually followed by calling the suggested departments. Once in the right department ( Financial ) I was told they informed me that I'd have to wait a few days. It is now XX/XX/XXXX and still no adjustment.
06/28/2017 Yes
  • Mortgage
  • VA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TX
  • 76133
Web Servicemember
One XX/XX/XXXX I divorced my wife and left her the house in the divorce. To this date she has yet to make an on time payment on the house. My name is still on the mortgage and she has been damaging my credit. In XX/XX/XXXX a loan modification was done without my consent. The modification did not remove me from the loan or relieve me of responsibility in anyway, yet it extended tge term of the loan, again, without my consent. I have requested documentation on this from Midland Mortgage Company several times and have yet to receive it. I fail to see how a bank can legally do anything to a mortgage with my name on it without my signature.
11/15/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NC
  • 270XX
Web
was on covid forebearance for my mortgage. it ended on XX/XX/XXXX XXXX by XX/XX/2022 i was told my house was in foreclosure for lack of payment. was never called or giving any indication this would happen. by law midland mortgage has got to inform you of options before they proceed with a foreclosure and give options for getting back on track. they did none of this. I've been in communication with Midland on the XXXX of XXXX to try to rectify this situation but was told by another company that has been calling me that Midland has set up a short sale of my home on XX/XX/XXXX XXXX if that's not unfair practices then i dont know what is
05/27/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 78045
Web
I was in a mortgage forbearance in the start of the pandemic XXXX of 2020. Their should have not report me late in XXXX of 2020 because of the forbearance. This really effects my credit score, I asked them about it about it but there was a miscommunication with the representative and the forbearance program was not added / removed. Since then I got into a mortgage modification. I was understanding that the past lates where going to be removed when agreeing to the modification. Since starting the trial program and entering the mortgage modification I have been on time with all my payments. I hope they can help me removing the latest.
07/29/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • LA
  • 708XX
Web
{$17000.00} of principle only payments not applied. Fraudulently stated they have not received XXXX and XXXX payments although my bank stated the checks has been received by MM and cashed. I have reached out to MM gave them dates, check numbers and dollar amounts sent. This is a criminal company that need to be investigated. XXXX XXXX XXXX XXXX has hundreds of complaints similar to mine. There is no online email address to inquire about issues, which I assume so that they can avoid a paper trail and deny that they received anything just like they have for my payments. I will only supply additional information upon their request.
03/05/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 27701
Web
Midland Mortgage Company and I had a loan agreement for the amount of {$120000.00} to purchase a house. The agreement open date began in the month of XX/XX/XXXX. Payments I made totally of {$110000.00} were made. My inability to continue the monthly agreed payments or refinance led to a foreclosure in XX/XX/XXXX, with a remaining balance of {$9800.00}. The house was resold upon the date of XX/XX/XXXX, for {$74000.00}. The bank or lender recovered over half the balance of the loan, and the proceeds were applied against the amount remaining on the loan. The credit report shows inaccuracies, and the information has not been removed.
05/06/2022 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • PA
  • 17042
Web Older American, Servicemember
Dear Sir or Madam, My name is XXXX XXXX XXXX, I am a XXXX veteran I served in the XXXX XXXX, I am receiving 100 % Service Connected Unemployability, I had a VA loan with XXXX XXXX which I was on forbearance and the loan was sold to Midland Mortgage without notifying me back in XXXX, when I was notify in XXXX after a call to XXXX, I been in forbearance since XXXX of last year and every time I call the tell me a different story, I going to be force to file chapter XXXX I don't want to lose my home I have kids XXXX, XXXX and XXXX that I don't want them to go through this experience, I need help to get this forbearance done with it.
05/26/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • OK
  • 741XX
Web
I reached out to Midland Mortgage about removing my late payments and they declined, They are in Violation of 15 U.S.C 1681 a. section ( 2 ) Exclusions. ( i ). This information was solely between me and the organization. Additionally, they are in violation of 15 U.S.C. 1681 ( a ) # 4 my Right to Privacy ; also, violation of 15 U.S.C. 1681a 2 ( b ) any transaction that arose from using my ssn, dob, or services that I initiated should not be listed on my consumer report. I have not given written permission to report this information to my consumer report. ( Violation of 15 U.S. Code 1681b ( a ) 2. My driver 's license attached.
09/30/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • OK
  • 73013
Web
In early XXXX I reported a transaction as fraudulent as I had not received the services I paid for and the vendor broke conduct. Midfirst initially reimbursed me pending review, but ruled that the incident was not fraudulent. I escalated to calling multiple managers, sent emails to multiple people with evidence, and they all made promises of following up with me and progressing my case by some point in XXXX. It is the end of XXXX and nobody has contacted me or followed up on the issue. Every time I call them it's like the first time the issue has been documented and they have made no noticeable effort towards a resolution.
02/16/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 300XX
Web
As of XX/XX/XXXX, my XXXX property taxes for my FHA home are delinquent, my property tax commissioner has taken out a lien against my home because the property taxes are now XXXX years delinquent. I have submitted disputes and complaints and the company ignores them. I have an escrow account that is supposed to pay ( IN FULL ) my property taxes each year, yet as of XX/XX/XXXX they still have not finished paying my XXXX property taxes. Each time I call they claim they have but as can be seen on the XXXX XXXX tax commissioners website and by calling the XXXX commissioner no the taxes for this property are still unpaid in full.
10/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 78108
Web
Midland mortgage company in Oklahoma, has multiple times reported incorrect information to our credit reports. I have reported to the XXXX and it was fixed for a short period of time then it was all removed. My score has dropped to the XXXX from XXXX because of it. I looked at the reviews online for this company and there is over XXXX consumers complaining about the same problem. Our mortgage was sold to them during Covid. Since they have destroyed our credit it has cost us tons of money! The hit to our credit is now preventing us from refinancing with a different company. I am contacting a lawyer! They have already been sued!
12/08/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • UT
  • 84081
Web
My mortgage was recently sold by XXXX XXXX to XXXX XXXX in late XXXX early XXXX of 2018. I had previously been working with XXXX to remove my PMI from my loan. After my mortgage information was transferred to XXXX I called them to continue the process of removing my PMI. However, XXXX informed me that due to my contract with them that I will have to pay PMI for the full term of my loan no matter what my principal balance. I'm willing to pay for an appraisal to prove that my house is worth 80 % more than my principal balance however XXXX told me that regardless I would be stuck paying PMI for the full duration of my loan.
03/12/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 77088
Web Older American
This issue is about Payment/Disbursement for Real Estate Tax Payment from my Escrow Account. This will be the second time Midland Mortgage Company has taken funds out of my escrow account and sent them to a taxing agency. I am XXXX and have a tax exemption and tax deferment for my homestead. I want the real estate payment of {$710.00} that was paid on XX/XX/2020 refunded to me as soon as possible because I do not have to pay real estate to Midland. The company put me in an awkward financial position by requesting additional money last year for my escrow account. I receive minimum income. Midland 's action was unnecessary.
04/27/2021 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Account opened as a result of fraud
  • PA
  • 19464
Web
I received a letter today via XXXX from VIO Bank on XXXX XXXX thanking me for opening an Online Savings Account on XX/XX/21 with them. I immediately called to cancel the account. They will send me a cancellation letter in the mail, but recommended I contact the 3 major credit reporting agencies : XXXX, XXXX & XXXX, as well at the FTC & local police to file a complaint. I have filed a complaint with the XXXX XXXX, PA police department, case # XXXX. I was also told to have the police issue a subpoena via certified mail in order to release information on the account opening- but police indicated that is not the process.
03/12/2022 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • TN
  • 37075
Web
This is very time sensitive. I have a closing scheduled to sell my current residence XX/XX/22 However to close I need my Partial Claim Payoff Statement. I spoke to HUD & they claim in order for me to receive my Partial Claim Payoff Statement I need to have my mortgage company Midland Request A Claim. Once Midland has requested a claim then HUD will issue me my Payoff Statement. Ive called Midland several times and they are refusing to help me. They just keep directing me to HUD, yet HUD keeps explaining this as a two step process that first starts with Midland Requesting A Claim. Please help me solve this is ASAP
12/30/2021 Yes
  • Mortgage
  • VA mortgage
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 442XX
Web Servicemember
Dear Sirs, On XX/XX/XXXX I sold my property. The mortgage company, Midland Mortgage reported the mortgage paid in full to the VA on XX/XX/XXXX. On XX/XX/XXXX Midland Mortgage reported my account as delinquent. I have contacted them several times with no relief. They have acknowledged the mistake and their error in reporting the erroneous information. What they lack is the desire to correct it. I contacted the credit bureaus an filed a dispute in an attempt to correct this matter and resolve this matter but haven't received a judgment as of yet. I would appreciate your assistance in getting this matter resolved.
09/30/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • MA
  • 01605
Web
The online account was closed by XXXX on XXXX without prior notice. Upon contacting the the bank I was told for business and that no further explanation would be given. I requested the final balance be retuned to me at which point I was the funds {$120.00} would revert back to the institution they were sent from. I contacted them again a week later and my balance accordingly to the associate was 0 I told them I never received my funds at which point she repeats the same line repeatedly closed for business reasons Ive never had an experience like this and Id never use XXXX or any of it affiliates in the future
05/22/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • PA
  • 19023
Web
I had unexpected XXXX XXXX, 2019 and fell behind on payments when I realized that XXXX payments are erratic. I applied for assistance with Midland Mortgage, and after months of back and forth, I was told that I did not make enough. I returned to work in XXXX of 2019, and reached out to XXXX, and was instructed to reapply using my income, which is {$91000.00}, and that I could also include the money that was given to me monthly by my sister. XXXX, which was an additional {$400.00} a month. In was again told by Midland I did not make enough money. I was told I could appeal and use my pension which I did to day.
08/12/2023 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Unable to open an account
  • SC
  • 29708
Web
I have tried many times to open a savings account at XXXX XXXX XXXX and they are keep saying unable to process your application at this time. I have reached out to them and they are saying they do not know the reason because account opening process is automated. I had a lock on my credit file because my information was stolen during XXXX XXXX breach . Vio Bank told me I should unlock my credit file and re apply. I did that and still not able to open an account. my credit score is XXXX. Vio told me that i can try 3 times a day to open an account. I did many tries and now on my XXXX i see all of those tries.
08/23/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • IN
  • 46203
Web
My mortgage was serviced by Midland Mortgage ( MM ). Per the attached documents, they modified the mortgage payments due to the delinquency caused by Covid 19. After the loan was modified, MM claimed would not accept the new payments and then proceeded with foreclosure action. All of my trial modification payments were made timely, and MM would not honor the final loan loan modification terms. My property was sold at foreclosure auction on XXXX to XXXX XXXX and I am now facing eviction. I feel cheated and deceived by MM. They are in clear violation of CFPB law 1024.41and I am seeking restitution from them.
04/03/2021 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Unable to open an account
  • OK
  • 736XX
Web
on the XXXX of XX/XX/2021 i attempted to open a high yield savings account with viobank.com. I again tried on 3 consecutive days. called the XXXX number they said try a different browser. I have tried 3 different browsers XXXX XXXX XXXX, and XXXX no luck. If I had been successful and later could not access my account what good would it have done if I could not have gotten back to the account. The question must be what browser accesses your bank and can I be confident I can always access my account? it is very frustrating not to be told exactly what browser to use when asked why i can not open an account.
03/16/2020 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60451
Web
The mortgage was modified. In order to get the modification done properly, my attorney and I had to enlist CFPB assistance. I made all of the trial payments correctly. The modification was properly executed in XX/XX/2019. I have made all post-modification payments PRIOR to the due dates, but as of today, the three bureaus show that I have NOT made the trial payments and that I am STILL delinquent on the loan. This is highly damaging to my credit, which is doubly harmful because this modification was rendered necessary by an employer unlawfully terminating me and the time it took to acquire a new job.
08/04/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • WV
  • 256XX
Web
I inherited this home from my brother when he XXXX and elk over a year ago. Midland mortgage still refused to speak with me or allow me to insure the home. The homeowners insurance was canceled when my brother died. I placed XXXX XXXX insurance on the home and continue to get letters saying there is no insurance on the home and Im going to be billed for hazard insurance. When I call the number listed on the letters they refuse to speak to me stating Im not authorized to speak on behalf of the loan. Despite the fact hat all information was turned in immediately after my brother died over a year ago.
09/25/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Trying to communicate with the company to fix an issue while managing or servicing your loan
  • CA
  • 953XX
Web
The company offered me 3 months on time payment s then they would send the fha paperwork to put the fha forgiveness for Covid in the back of the loan. So I paid 3 on time payment s and the paperwork never came. Everytime I call midland Representative they say just wait. Yesterday I got a bill for XXXX and it gave me to XX/XX/XXXX to pay the XXXX. I have been paying. When I call customer service no one knows whats going on. Its making me nervous and XXXX, I got 2 XXXX kids and an elderly mother depending on me. I cant sleep at night. Please help me and get to the bottom of this I will be grateful.
04/28/2016 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • MO
  • 64081
Web
For the record midland /Midfirst bank states that I paid {$15000.00} They also claimed to be servicing a {$33000.00} XXXX VA loan on XXXX XXXX XXXX. All of the 360 payments of principal interest were paid. Taxes were disbursed through XX/XX/XXXX and insurance through XX/XX/XXXX. The loan was paid off XX/XX/XXXX with a final payment of {$3400.00} with {$1600.00} escrow that was not returned to me. I want it known that approximately {$130000.00} was paid to this mortgage. It was never refinanced. I never had a second mortgage on this property. There was no security interest in any other property.
12/27/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Payment process
  • LA
  • 708XX
Web
I have been dealing with an issue with this company since they took over my mortgage from XXXX XXXX XXXX in 2021. I requested from XXXX XXXX that they send me a copy of transfer date and outstanding balance. According to what they sent and what has been sent already, there is NO possible way I still owe over $ XXXX. XXXX XXXX claims its because of added late charges bc I was never on their delayed payment program from Covid. They also claimed checks were received late which can be clearly seen on the check copies from the bank some checks were deposited before late fee should have been applied.
09/07/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • PA
  • 19135
Web
I have hard inquires on my credit report, as well as, collections. My account was registered as a victim of identity theft. I am a victim of identity theft. However, the hard inquires are on my report and I asked they be removed. They are listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was bought out by my mortgage company as a debt which should also be removed. I tried having them remove it but they have yet to do so. Any assistance would be greatly appreciated.
01/20/2021 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Company closed your account
  • CT
  • 065XX
Web Older American, Servicemember
On XX/XX/21 I opened a savings account with VIO Bank at 0.66 % APR. After I transferred {$350.00} from my XXXX XXXX XXXX Checking account I received a notice from VIO Bank that they were closing my account for " Business Reasons. '' Since then I have been unable to access my money and I was told that I won't get my money retuned until ~XXXX. Additionally, VIO Bank said my money will not earn any interest. Is this legal ( they are holding my money interest free for over a month )? Please advise as to my alternatives. Ref : VIO Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX
11/13/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 75089
Web Older American
My Loan no is XXXX for XXXX and XXXX XXXX. I am getting collections and threatening letters from XXXX XXXX regarding unpaid taxes. I have not missed a payment and my XXXX XXXX have filed a judgement against me for unpaid property taxes. I have written and called XXXX XXXX regarding this and also sent the notices that XXXX XXXX have sent me. Per XXXX XXXX. They have sent invoices and statements to this mortgage company and have not received payment. Now, they are threatening me and file a judgment against me for unpaid taxes. My payments are up to date, Why arent they paying my taxes?
03/03/2020 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 77429
Web
Midland mortgage acquired my loan via XXXX which has exited the mortgage business. During the transfer my modification which was approved was ignored by Midland mortgage and Midland mortgage started their own modification and reported me late 180 days until they approved my modification. Also I have asked for my bureau report to be corrected as they continued to report me late and yet denied. I paid on the last day of XX/XX/2019 and Midland still reported me late because per Midland I was 5 minutes late paying. I paid XXXX in my time zone yet it was late in regards to their time zone
09/29/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • VA
  • 232XX
Web
On XX/XX/XXXX I opened an account with XXXX XXXX I received 2 deposits of XXXX in the account. On XX/XX/XXXX, I was unable to log into my account and called support. Support informed me that the account is being closed for " business reasons '' and that I will be unable to access my account in the meantime. When I asked them how long it would take to get my money back, they said that they are still doing more " research '' into my account and were unwilling to divulge specifics. Now, I have {$2000.00} tied up with them and I have no information on when or how I will get it back.
05/27/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • NC
  • 27263
Web
I applied and was approved to open my account online with XXXX on XX/XX/2021. I received an email confirmation and I proceeded to setup my paycheck to direct deposit into my new account with this bank. Then on XX/XX/2021 I noticed I was no longer able to login to my account. I called their customer service the following day and was informed that they had closed my account due to business reasons and they could not tell me any further details about why they closed my account. They said they are mailing me a letter with an explanation. This is an unacceptable way to treat people.
12/14/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 78245
Web Older American
Midland Mortgage Company purchased my Mortgage from The XXXX XXXX. I am blocked from making my payments. I am also being denied payment arrangements for Hazzard Insurance. Because the property is vacant due to it being severely vandalized from the previous tenants, I am unable to rent it out. Due to the title being clouded by a Fraudulent Mechanics Lein, I CAN NOT sell nor refinance it. I submitted documents twice to Midland Mortgage and I was informed that the Midland Mortgage 's attorneys filed an appearance by my attorney handling a different case but I am at a dead end.
08/08/2023 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60451
Web
I have a FHA mortgage with Midland Mortgage. I applied for and received a COVID Partial Claim. So far so good. I have made all payments since the partial claim before due date and without incident. However, the credit report reads several months of delinwuency. As the guidance shows, the mortgage company should not report a delinquency for those months. Therefore all months from XX/XX/2022 to date should show timely. This has been an issue before when I had a previous unemployment forebearance and modification. The CFPB was extremely helpful in getting this corrected.
09/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CO
  • 80015
Web Servicemember
Midland mortgage has, on several occasions, reported me as missing payments or paying late when I have made every payment on time. I can prove this with bank statements and confirmation numbers provided by the company. I have had to make several disputes to XXXX XXXX to rectify drops in my credit score due to false reports from midland mortgage. I have spoken to the company about the issues they are having and each time they have responded with assurances that it will be fixed. They have recently referred me to foreclosure despite having zero issues with my payments.
07/28/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MI
  • 48066
Web
Please help me with the short sale on my home I did try doing a modification and was turned down since than things have gotten worst with my Daughter at school and in this neighborhood. After my divorce and my wife left I am now a single farther and with all the expenses and my daughter having bad personal problems we can no longer afford to pay for the house or live in the neighborhood. I have tried selling the house but with all the house needs to be livable I dont have the money to make that happen Please help stop the sale so there is time to make this happen.
06/11/2020 Yes
  • Mortgage
  • FHA mortgage
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • WI
  • 53143
Web
I had a chapter XXXX two years ago no credit is being reported on my credit history. I called bank they said never received a letter from the attorneys office to keep the house. After two years making the payment on time? Then last year they said I was short XXXX in escrow they fixed it to XXXX again this year said I was in shortage again now they want XXXX a month for what? Taxes went up XXXX more a year? Home insurance went up XXXX a year. why I have to pay XXXX thats XXXX a month than the original payment. I will write them again. They are making me crazy.
04/28/2023 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30213
Web
I hold a mortgage with Midland Mortgage. In XXXX of XXXX and XXXX of XXXX, it is showing that I was 30 and 60 days past due when this information is not correct. During the pandemic, the company stated that there will be no credit reporting as a result of the financial problems that the pandemic caused. I had no issues with my credit report XXXX I recently checked and Midland Mortgage has reported that I was 30 and 60 days past due when this is not correct. I am wanting to see how to get this information corrected. I have reached out to them with no luck.
09/26/2022 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
  • CA
  • 934XX
Web
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. MIDLAND MTG/MIDFIRST XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
06/10/2020 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • SC
  • 29488
Web Servicemember
My house was damaged by a tornado on XX/XX/2020. The insurance check includes our mortgage company, Midland Mortgage, on it. We have provided contractor estimate for roof repairs as well as photos of the temporary repairs and debris we removed personally. Midlands still refuses to provide any of the funds even though the cost estimates exceed the {$5300.00} check. We can not begin repairs until we have the funds. It is hurricane season and I fear for the safety of my family with a damaged roof. Im beginning to think they just intend to steal the money.
11/05/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TN
  • 38111
Web
Requested mortgage assistance for several months and submitted financials and other documents several times. I call to follow up with the process and I've being given the run around with this stating they have not received documents on numerous times and now my up is up for a property foreclosure sale. I been working with my mortgage company for over one year. Recently I mailed the assumption package with my financials since I was told numerous times they never received my request. The mortgage company is giving me the run around and I need Help!!!
11/11/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 754XX
Web Servicemember
I spoke with Midland Mortgage XX/XX/ on my loan modification with XXXX teller # XXXX for XXXX and they have offered me a modification of 3.125 % which should have lowered my payment but instead they raised it to XXXX My original payment at 4.75 was XXXX and they are unable to explain to me why the payment has gone up except to say they had to add XXXX into the cost of the loan for modification. They said per FHA regulations they can only finance it to XX/XX/. They aren't willing to talk or consider a lower payment. My payment is due XX/XX/ XXXX
08/19/2021 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • PA
  • 186XX
Web Servicemember
I have called the va they said I had to many repayments. But I fell down the steps at work and lost my job then corona hit and my husbands hours got cut. The va said the mortgage company can do a repay they refuse keep saying its on the va. Then the mortgage company never told me I could still just pay the back payment to get caught up then waited till I owed XXXX or more and said it was going to foreclosure they kee extended the loan and I am trying to catch up but XXXX is a lot to catch up to. My husbands hours are back to normal for now
04/20/2016 Yes
  • Mortgage
  • VA mortgage
  • Loan modification,collection,foreclosure
  • PA
  • 187XX
Web Servicemember
I had some trouble paying my Midland Mortgage VA loan. After many months Midland agreed to modify my loan in 2011. Every payment I made to Midland after the modification was reported late to the credit bureaus. Midland reported my loan on time only after I completed the modification. There was no language in the modification contract regarding the loan being reported late even if the payments were made on time. Because of this my credit record is destroyed and I ca n't refinance to a lower rate. Midland will not help regarding this matter.
08/11/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IN
  • 479XX
Web Older American
My mortgage company is charging me {$770.00} for my annual homeowners insurance for escrow purposes when the actual cost is {$720.00} per year. I confirmed the cost with XXXX XXXX and they called Midland Mortgage to provide this info. I asked Midland to change the amount and readjust my payment. My escrow shortage for this year was {$65.00} plus odd cents. I paid {$150.00} but they are still charging me extra for non payment of the shortage. I requested a response to these inquiries in writing but have received no response to date.
01/12/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem with a lender or other company charging your account
  • Money was taken from your account on the wrong day or for the wrong amount
  • CA
  • 92503
Web
MidFirst Bank charged back {$260.00} to my company, which was a fraudulent charge back made by the customer. This amount also included a {$15.00} charge back fee. The customer XXXX XXXX reported to MidFirst Bank that the order she purchased was fraudulent. After I submitted proof to the bank along with her signature, phone number and email address informing them of me speaking with the customer they still processed a charged back. The customer have my product and now the funds, and then they have the nerve to charge me {$15.00}.
07/13/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • PA
  • 180XX
Web
I asked my mortgage company ( MIDLAND MORTGAGE ) to defer my payment due to hardship. My identity was stolen and as a result i was fired. They are requesting documents i cant provide. I called and spoke to them and they were nasty. Horrible Argumentative and rude. I am not applying for anything. I just want to defer a payment or 2 until i get back on my feet. And they absolutely refuse to qork with me. I know they have to legally allow me to do this under fha or HuD guidelines and they will not even help me. They just refuse
04/15/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • LA
  • 70454
Web Servicemember
I just learned that dual tracking from the mortgage company and that exactly what they did to me. Midland mortgage was telling me on every call that i could make a payment and it would postpone the foreclosure as long as i was making a payment. Yet, i was still given a sheriffs sale date. I would call them no less than once a week. I had to leave my home. I can not undo what midland did but they should be forced to remove the foreclosure from my report so i can buy another home. Do i have legal recourse for what they did?
06/27/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • AZ
  • 85086
Web
Hi, I have a checking account with MIdfirst Bank, this bank have debited my account without my permission and stole {$60.00} from my money. I have contacted them and they claimed that the money was in collection of my daughter 's account XXXX, who is disputing a transaction as fraudulent and un authorized and the dispute is still being investigated by Visa. They have closed my daughter 's account ( which I'm not part of it ) and charged my account for the disputed amount. This is plain theft and fraud. Regards, XXXX XXXX
03/22/2016 Yes
  • Mortgage
  • VA mortgage
  • Credit decision / Underwriting
  • MS
  • 39402
Web Servicemember
I 'm trying to purchase a new house and My XXXX credit reports reflect a loan from my prior marriage. The recorded Divorce Decree awards my previous spouse the residence and the financial responsibly of the house. I 've disputed the reports to XXXX and XXXX and the dispute was " resolved '' with my credit scores on those XXXX reports going up by XXXX and XXXX points. The XXXX dispute is still in progress. How do I get this loan off my report all together or what can I do to remedy this situation as best a possible?
06/09/2019 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
  • VA
  • 22031
Web Servicemember
I spoke with customer service manager at Midland Mortgage regarding my amount owed and amount in XX/XX/2019 states past due. The manager assured me this wrong information was not report by Midland. However, it still remains on my credit report after I have sent the correct amount owed and my account has not been late this year. I am trying to keep my credit on track. My score went down 64 points in the last month, due to errors. Can this information with all three credit bureaus be fixed as soon as possible.
10/08/2021 Yes
  • Mortgage
  • FHA mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 75093
Web
In a retaliatory response to my request to remove incorrect information that indicated I was using a covid19 assistance program Midland deleted 15 years of mortgage history from all 3 credit bureaus. Which immediately dropped all my scores 20+ points and is a significant part of a strong credit mix and history that is now deleted. This was transferred to them from XXXX years ago and nobody asked to change anything that XXXX submitted to them. This is simply requesting that my payment history be reinstated
08/04/2019 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account information incorrect
  • AR
  • 71913
Web
Upon purchasing my home on XX/XX/XXXX the bank sold my loan to another lender one month later. There were some issues with the escrow account and my home Insurance wasn't getting paid. By XXXX of XXXX my mortgage was sold to another lender Midland Mortgage and they started helping me with applying for a mortgage modification loan. By XXXX of XXXX this modification loan was approved. As of XX/XX/XXXX my Mortgage is Current with XXXX past due. The information on my Credit Report needs to be updated
08/21/2019 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 77429
Web
I mailed a payment to Midland mortgage XXXX XXXX, when it didn't clear my account I called and explained I mailed it. I learned from post office about fraud and mail Theft. Midland assured me if I could provide proof I would not be reported to the bureau. I sent proof Midland mortgage is now ignoring me and when I call I'm being placed on hold and not helped. XXXX XXXX falls on a Saturday yet Midland mortgage will not allow payments until XXXX XXXX and I don't want to be reported late because of this
03/04/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • 07013
Web
Sent in duplicate payment, Requested a reverse for the duplicate, payments of. {$2000.00} was submitted on XX/XX/XXXX and XXXX both in amount of {$2000.00}. XXXX XXXX XXXX called with me on the line to see if they were able to reverse at that time, they said no. I haven't heard anything since the call to them on XX/XX/XXXX. I would like to use one of the duplicate payment for my XXXX Mortgage and since I have had issue with this company prior. I wanted to assure that the payment would go against XXXX
08/11/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 34982
Web
I was approved for the Homeowners Assistance Fund on XX/XX/2022. I was approved for all my past due and forward payments for 18 months. The mortgage company has had the funds from HAF since last month. They have the past due funds of {$25000.00} and at least one month of forward payments of {$1300.00} but have not credited my account yet. I just looked online and now it says I was referred to foreclosure. Why would I go into foreclosure when they have the money I was awarded. I'm scared. Please Help!
05/30/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MI
  • 48239
Web
Hello My loan origination date was XX/XX/2004 my original loan amount was XXXX I don't understand why I still owe so much on my home. My loan was supposed to be a 30 year home loan. I am looking at my account with Midland Mortgage and it shows my maturity date asXX/XX/2050. I have never refinanced my home. I just want some answers as to my the payments I have made over the last 17 years have only went to the interest on the loan. I believe the balance on my mortgage should be significantly lower.
08/29/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Paying off the loan
  • IL
  • 60446
Web
On XX/XX/2023 I wrote a QWR to the Servicer at Midland mortgage requesting an answer regarding the House Joint Resolution 192 and the Emergency Banking act. If I am a natural woman without the ability to pay with gold and silver in accordance with Article 1 Section 10 of the constitution. And Midland Mortgage fraudulently received payment via a signed promissory note where they have collected from the TRUST for XXXX XXXX XXXX, why do they continue to request payment via Federal Reserve Note.
01/20/2023 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
  • Investigation took more than 30 days
  • CA
  • 934XX
Web
MIDLAND MTG/MIDFIRST Account : XXXX has been paid and closed since 2015 but on my report, this is still showing that it is 30 days. How can this be? This account should not be showing a late date since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be removed IMMEDIATELY! MIDLAND MTG/MIDFIRST XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
12/17/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 60473
Web Servicemember
Informed both lenders of rXXXX XXXX XXXXssues and was ignored on multiple occasions. specially informed Midland in XX/XX/2020 and was called a liar. Repeated requests for release of escrow and all fee plus interest payable to borrower who has incurred these expenses out of pocket. originating and transferring lender failed due diligence and servicing requirements resulting in a debt obligation that is misrepresented and payment coupons not correct as well all tax end of year tax documents.
01/22/2020 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 77429
Web
Midland mortgage is reporting differently to all three bureaus, XXXX credit and XXXX midland reports me being late XXXX XXXX XXXX and XX/XX/XXXX. At XXXX, midland reported XXXX and XX/XX/XXXX as being late. I was late in XX/XX/XXXX only. I submitted a letter to midland mortgage from the post office mid XXXX and it was corrected yet they turned right back on and reversed it. I called XX/XX/XXXX and a rep advised that midland has me late for XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX which is false
10/24/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Escrow, taxes, or insurance
  • CA
  • 953XX
Web
My taxes went down in my county and my house Insurance went down also, yet the mortgage company increased my monthly payments. Also, my home Insurance is only XXXX I would rather pay that lump sum. Im not sure what amount the lender has I called several times and no one seems to know. They are saying if its wrong its in an escrow account. I havent seen such escrow account and why not put the Insurance and taxes at the correct amounts? I would appreciate clarification. Thank you XXXX XXXX
09/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30316
Web
I put my loan into Forbearance under the CARES Act and payment XXXX, XXXX, XXXX and XXXX were deferred. I applied for and was granted a stand alone partial claim from HUDXXXX The account was brought current in XXXX and I made my first mortgage payment again XXXX. Midland Mortgage reported my loans as 90 days past due to all credit reporting agencies, dropping my credit by ~140 points. I have called three times and I have sent 3 emails to get this corrected. Ive received no correspondence.
12/27/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 75002
Web
Hud paid my mortgage company XXXX and the amount has not been deducted for the original amount owed. I have called Midland Mortgage and gotten no answers as to where the money went. I do not understand how the balance is the same when Hud paid XXXX. I am trying to sell my home and I am unable to due to this problem. When I called Midland Mortgage and spoke to a supervisor I was disconnected when I asked what happened to the money that HUD paid Midland Mortgage. I want to sell the home!
08/19/2022 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • MI
  • 498XX
Web Servicemember
Due to the coronavirus pandemic, my disability payments were stopped ( due to XXXX ). This affected my ability to pay my account with Midland Mortgage. On XXXX XXXX 2022, I applied for the Michigan Homeowner Assistance Fund to help bring my past due amount to current status. I was approved XX/XX/2022, and was funded on XX/XX/2022. However, it is XX/XX/2022, and the bank still says it has received the funds. Furthermore, Midland Mortgage is proceeding with the foreclosure of my home.
06/24/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 75002
Web
I have been working with my mortgage company to keep my house. And I was just informed that my house is suppose to go up for auction in aug..no one has told me anything..it is court documents I have never been served..never appeared in court..nothing..Midland mortgage is doing some underhand things. I need answers if my house is in foreclosure why do I not know about it. Why am I going thru all of these hoops for Midland mortgage. I am so upset. Someone needs to contact me asap..
08/27/2018 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • TX
  • 79924
Web Servicemember
I recently received a letter from XXXX XXXX ( today XX/XX/ ) indicating that my mortgage has been transferred to XXXX XXXX from XXXX XXXX XXXX. The letter is dated XX/XX/, but it says that my transfer date is effective XX/XX/. Today I also received a letter from the original servicer and an email confirming this transaction. However, I am under the impression that I was supposed to be given at least 15 days notice of such actions, but this is less than that. Is this allowed?
05/24/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • OH
  • 44077
Web
I submitted a request for a modification on XXXX XXXX, 2016 for review. At this time I was XXXX months delinquent on my mortgage. They reviewed my package and determined that I was eligible for a repayment agreement which would hold any foreclosure action. They offered me the agreement on XXXX XXXX, 2016 which I promptly accepted and returned XXXX XXXX, 2016. On XXXX XXXX, XXXX Midland Mortgage filed a foreclosure action against me after executing a repayment agreement.
03/31/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 76708
Web
Midland mortgage is attempted to file unexplained additional charges to my account. they also are not providing reasonable accommodations for a person with ADA and are violating that. as of XX/XX/2023 they filed that my account was passed due without notifying me through the mail service as required by law or making an attempt to call me if there was a payment that was not processed correctly. they also have not been correctly processing payment information online.
07/01/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • PA
  • 19446
Web
I applied and received funds from XXXX. My mortgage was paid through XX/XX/XXXX with these Gov. funds. The monies were received by midland mortgage on XX/XX/XXXX and held in unapplied funds where it still is now. I am still showing as delinquent and the company has no response when I call. They do this every month. My whole mortgage is suspect and they dont produce accurate records which prevents the consumer from being able to see what they are doing with the payments.
05/27/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 31405
Web Servicemember
I filed a bankruptcy on 2017 and did not include mortgage in bankruptcy. They added attorneys fees on to my mortgage {$2000.00}. According to the creditors breakdown there were 2 checks sent total of XXXX and XXXX. I was unaware of the claim from Midland. I called and the person could not help me. I was told that payment does not have telephone and he could not them. I have been struggle through COVID to make my account current and this money has there this whole time.
03/16/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MN
  • 55117
Web
I have my disbursements form my bankruptcy only to find out that payments were transferred from XXXX XXXX Mortgage company to Midfrist bank which is Midland mortgage. and all past due amount are paid so the cashiers check for XXXX added more than enough to cover escrow and taxes and any late fee. please review the XX/XX/2021 Mortgage statement and have them explain what is this total fees and charges are they added to my bill. see attachments and reopen this case.
04/20/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account information incorrect
  • CT
  • 06053
Web
I have a mortgage loan with Midland Mortgage and it's been paid on time and up to date. Midland mortgage reported to the credit report that I was in a forbearance when it's not true. I am not in a forbearance or any type of program. I never applied and never requested anything like that. I was applying to refinance with my local credit union and was denied due to the false report from Midland mortgage. Now I have to wait months to be able to apply for refinancing.
09/27/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • AZ
  • 85296
Web
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX.
07/26/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • OK
  • 730XX
Web
I was scammed. I need hay and was told to put a deposit down, {$600.00} to hold. Used XXXX. Then after I submitted I read on the XXXXXXXX XXXX XXXX where several people are searching for hay to buy have claimed of this scam. They had screen shots of their conversations and me too. They are the same actions. Also, after I sent the money the name of the person it went to showed to be different than who it was supposed to go to. I need help to recover my money.
11/15/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • NV
  • 89084
Web Older American, Servicemember
o/a XX/XX/2022 XXXX XXXX starting charging me fees when i wrote to them they reversed those fees. However most recently they have charged me XXXX of fees without providing an explanation of those fees per RESPA. I spoke to them today XXXX and they still couldn't explain why they were charging me fees. The fees that they did say were reimbursed have not been shown to me in detail. I have also submitted a complaint to VA on these presumed deceptive practices.
09/16/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NY
  • 11212
Web
The mortgage company said they did not receive my email copies of paystubs. I clearly have proof of the email. I did an Emergency Order to Show Cause at XXXX Court on XXXX XXXX. The Judge agreed to stop the sale. Midfirst Mortgage sold my house although the order to show cause was signed by a judge. They are liars and dont honor emails or Judge rulings. They lied and sold my home. I think Im having a nervous breakdown. How can they get away with stealing.
01/26/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 45840
Web
In accordance with the Fair Credit Reporting act this creditor has violated my rights under 15 USC 1681 section 602 and the privacy act of 1974 states I have the right to privacy. 15 USC 1681 Section 604 ( a ) ( 2 ), also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer plan as late credit for any purpose.
09/18/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 90501
Web
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. The late payment is inaccurate because the payment was made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. XXXX XXXX XXXX
01/24/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • VA
  • 22204
Web
On XX/XX/2021, opened an account in response to a XXXX advertisement that provided a {$250.00} new account opening bonus, when two direct deposits totaling over {$1000.00} were made within 90 days of account opening. Having met this requirement, with payroll deposits on XX/XX/XXXX and XX/XX/2021, with deposit amounts of {$1000.00}. Despite terms indicating the bonus payment within 45 days of the second deposit, I have not received the {$250.00} bonus.
11/30/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 77375
Web
we fell behind on our mortgage due to covid-19. we have tried to work out a resolution with Midland Mortgage our mortgage servicer and there has been no response. The mortgage company have not responded to the Borrower assistance package we sent detailing our hardship. We have sent in the borrower assistance package numerous time including the most recent submission on XX/XX/2021 notifying Midland mortgage the reasons of our default being the pandemic
06/18/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NM
  • 87121
Web
My mortgage is on forebearance. As I am nearing the end of the forebearance period my servicer is asking for a lump sum payment. The servicer in a letter to me offered several options. None of the options included the FHA COVID-19 National Emergency Standalone Partial Claim. I want to know why I wasn't offered this option despite rules from the pertinent government agencies stating that the missed payments could be deffered to the end of the loan.
01/02/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • TX
  • 79938
Web
Please be advised I have submitted all my information and offer to the lender for review of a short sale. I have true hardship no money, no type of income and need to have the lender complete the review so I could avoid facing foreclosure. Borrower was in XXXX lastly working and has no income at this time and a cash offer of XXXX on the home. We kindly need assistance to have the home reviewed for the short sale. Full packet is with the lender.
01/03/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 77429
Web
Paid my first trial payment on XX/XX/XXXX as payments are due the first of every month beginning XX/XX/XXXX until XX/XX/XXXX. Discovered that XXXX did not post payment until 2days later, also my mortgage was sold to XXXX from XXXX and I disputed my balance amount due to unethical handling by XXXX and XXXX XXXX disregarded me. My mortgage balance should not exceed XXXX. I would like my mortgage to be affordable and I want XXXX XXXX to be fair
03/02/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 300XX
Web
Midland mortgage company committed deception during the last complaint I submitted through CFPB. Case # XXXX. Midland mortgage company claimed that the remedy was monetary relief but no monetary relief was ever given to me nor was it distributed to the account I have with them. They lied about the relief and they never fixed my delinquent taxes. Why was the case closed when they didn't do anything to fix the problem or address the concerns!!
07/16/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 60473
Web Older American
My complaint is against XXXX XXXX. ( XXXX XXXX ) XXXX XXXX XXXX. I Purchased multiple Money Orders Totaling {$1300.00} from the United States Postal Service. ( Copies Attached ) XX/XX/2023 XXXX XXXX documented payment in a statement to me for only {$1000.00}. A copy of detailed statement attached. A copy of the United States Postal Service 1 day XXXX XXXX and Tracking Number Attached. ( Tracking # XXXX XXXX XXXX XXXX XXXX XXXX ) Insureds
03/17/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 77043
Web
XXXX XXXX of XXXX my mortgage reported late because my payment my short. My payment was short by less than XXXX. I live abroad and was not aware that my payment had changed. I have diligently paid my mortgage on time after a period of terrible financial struggles. Because my payment was accepted I feel that reporting my payment as not paid at all is an error. I faxed the company to ask for the information to be removed and they declined.
04/07/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CA
  • 953XX
Web
Im XXXX XXXX my address is XXXX XXXX XXXX, XXXX CA XXXX. Im was on a deferral for long term XXXX for 11 months and started experiencing long term XXXX XXXX worse and My mortgage company says I can only have one more month for a total of 12 months under the program I requested 18 months I started my deferral before the deadline. They refused. I need your assistance. I have long term XXXX Im sick from it. Forbearance. Thank you XXXX XXXX
09/20/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • WV
  • 252XX
Web
I was divorced on XX/XX/XXXX and my marital home ( mortgage in my name ) through Midfirst Bank Midland Mortgage was to be the responsibility of my ex-wife. She did not make mortgage payments for almost a year and Ive been trying to bring the account current since taking possession of the home early XXXX. Midfirst granted a loan modification, but adjusted the terms only to increase the loans duration, interest rate, and monthly payment.
08/04/2021 Yes
  • Mortgage
  • FHA mortgage
  • Credit monitoring or identity theft protection services
  • Problem canceling credit monitoring or identify theft protection service
  • CA
  • 93036
Web
The account was open with identity theft info, the person using my info open this account. This is a fraud account, I contact the mortgage company and send them everything they asked me to prove that Im not the same person that open the account. But last time I call they said that they didnt found anything with my name or social but the account still is in my credit. Im m tired and stressed too much doing for not getting anything solved.
09/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MA
  • 01420
Web
In accordance with the fair credit Reporting act XXXX Account ending in XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
11/14/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 604XX
Web
This is NOT a new request but have further concerns, Midland mortgage company wants more funds as they have made up 6 different prices on the house when the balance owed on the house approximately {$21000.00}. CFPB # XXXX-XXXX andCFPB # XXXX-XXXX, and is it allowed for them to make up prices, pricing people out of their homes. The balance owed is approximately 21,000, the mortgage company. Yet the requesting approximately {$79000.00}.
12/08/2023 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60451
Web
I paid the payments without going two payments past due. However, AFTER paying the payments, on XX/XX/2023, Midland reported the account as 30-days past due and failed to show the payments made, and instead showed two payments made without being two payments past due as being unpaid. it also shows the account currently past due for two payments. I was denied credit on an unrelated account based solely on this incorrect information.
03/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30248
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose XXXX
07/20/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MA
  • 02122
Web
To Whom It May Concern : I made a written request to my current mortgage company, Midland Mortgage, to eliminate the PMI. I have not been late with any mortgage payments for at least a year and I have more than 20 % equity in my current home ( my mortgage has reached the 80 % loan-to value ratio ). Eliminating the PMI, will help me continue to make timely mortgage payments and reduce financial constraints. Sincerely, XXXX XXXX
05/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 278XX
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
08/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 777XX
Web
IN ACCORANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT HAS VIOLATED MY RIGHTS. 15 USC 1681 ASECTION 602 A. STATES I HAVE THE RIGHT TO PRIVacy. 15 usc 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish an account without written instructions. 15usc 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
05/13/2019 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
  • Investigation took more than 30 days
  • GA
  • 31204
Web Servicemember
I was shocked when i recently reviewed my credit report and found LATE payments on the dates below : Creditor : Midland Mtg/Midfirst Acct # XXXX I was never late 30 days late in the months of XXXX and XXXX. I'm not sure how this happened, I have always made my payments on time when i received my statements.My only thought is there was a billing error with my statements. Or recent statements going to and old previous address.
09/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 78045
Web
To whom it may concern ; 1st Midland Mortgage was paid in full and still show my balance higher then my credit limit. This affecting my credit score because it showing I'm over the limit. 2nd it showing on XXXX late on XX/XX/20 and no payment information from XX/XX/20 to XX/XX/20 and is also affecting credit score. 3rd on all 3 credit agencies ( XXXX, XXXX, and XXXX ) are reporting different and inaccurate information.
11/06/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • AZ
  • 85296
Web
XXXX has been non-compliant with removing the unverified account XXXX XXXX, A which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX, A was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
05/18/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • FL
  • 33496
Web
In an effort to save our home from foreclosure, we reached out to the bank to ask for assistance and or relief with our mortgage according to the Federal and State laws and HAF. They provided us with a plan with a Higher Mortgage amount and increases monthly payment instead of complying with the Federally mandated Covid laws to assist homeowners and avoid the foreclosure process resulting from Covid related causes.
09/04/2021 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NC
  • 286XX
Web
Permanent layoff since XX/XX/2020 due to covid. I found out about the repayment offer from another bank. I called last year about refinancing and again this year. I was told they could not offer refinancing at this time. I will not be returning to work due to complicated medical conditions. I am getting the extra XXXX dollars on unemployment but as of XX/XX/XXXX this will be taken away. I will be drawing XXXX only.
07/22/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • AL
  • 35215
Web
Midland mortgage foreclosed after 6 weeks of missing payments. They granted a forebearance on XX/XX/XXXX, and sent a person with a loaded unregistered XXXX in my home on XX/XX/XXXX to foreclose. In XX/XX/XXXX, they sent someone in and vandalized my property ( tore my security system, put holes in my walls, left my property unlocked, and tore down my blinds ). I feel bullied and harassed by this mortgage company.
02/13/2023 Yes
  • Mortgage
  • VA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 342XX
Web Servicemember
Midland Mortgage is reporting my account as late, and missed payments for the months of XX/XX/XXXX and XX/XX/XXXX, despite the issue being a problem on their end. We were previously reported as late for several months at the end of last year and disputed it with XXXX in XX/XX/XXXX. Midland then confirmed that we were not late the report was updated to reflect that, but they are continuing to report us as late.
07/20/2022 Yes
  • Mortgage
  • VA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • VA
  • 23435
Web Servicemember
We use the CARES ACT for our mortgage serviced by XXXX XXXX XXXX. We thought all documents were completed only to find out that after they sold our Mortgage to MidFirst XXXX and we tried to refinance that we can't due to unfinished paperwork. We are currently trying to refinance and we cant refy or sell due to this issue and we have exhausted our resources in trying to get this matter corrected and need help.
11/26/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 604XX
Web
This is an addendum and not a new complaint ( XXXX and XXXX ). Why was the attached documents sent out, and why the Midland Mortgage Company wants more for approximately 4 years when only {$21000.00} owed. They asking for an extra approximately {$60000.00} : {$35000.00}, escrow, fees {$12000.00}, {$10000.00} and not sure if CFPB is allowing this Mortgage to do this. Which is causing the economy a hardship.
09/24/2016 Yes
  • Mortgage
  • VA mortgage
  • Settlement process and costs
  • TX
  • 78201
Web
My account has been paid off since XX/XX/XXXX, Midland is giving the runaround concerning my escrow surplus which is XXXX or so, I have contacted them 6 times, on my transaction history says my refund was sent XX/XX/XXXX, the last time I contacted them they told me my refund was going to be sent XX/XX/XXXX, I think they are trying to keep it as long as possible, I will be waiting for a response. Thank You
08/12/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • WI
  • 547XX
Web
My home was put into forbearance due to the covid pandemic and loss of employment. Now the forbearance has ended I have asked for mortgage modification or hardship h.u.d. assistance. However I have been denied these options by the phone operator. She told me I have 2 options to pay the XXXX forbearance amount or a short sale. This is unacceptable, I should not have to file bankruptcy to protect my home.
04/06/2023 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
  • Investigation took more than 30 days
  • IN
  • 47304
Web Servicemember
It has been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to late payments. They have not supplied this information and they must delete the alleged late payments on my credit report. Under Federal Law they had 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible.
02/16/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 93550
Web
Midland mortgage they charging unnecessary charges, My house value went up by almost % 40 I called the company to appraise the house to take off the mortgage insurance PMI they refused even though the house extra value covers more than % 30-40 of the loan I have done the same with different mortgage company and different house and they sent an appraisal and they took off the mortgage insurance
03/10/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NV
  • 89104
Web
I submitted a Request for Information/Notice of Error on behalf of XXXX to MidFirst Bank c/o Midland Mortgage on XX/XX/2017. Midland Mortgage is claiming that XXXX is in default but he insists that since his Trial Period Plan, he has never missed a payment. Midland Mortgage has failed to respond in any way to the Request for Information/Notice of Error and XXXX files this complaint.
06/29/2020 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • TX
  • 77471
Web Older American, Servicemember
Midland Mortgage Company is charging me double the money needed for my Escrow Account. They put My family and I in a foreclosure status, base on the wrong figure. I have spoke to people in the Customer Service department, and in the Escrow department no one would help me, just giving me the runaround. I also sent them supporting documents to prove my case, they took no action.
04/13/2020 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • TX
  • 76123
Web Servicemember
Midland Mortgage fail to adjust escrow to reflect new payment of a lower payment. Midland Mortgage hold overage funds failing to disburse. The company practice of subjecting customers to higher escrow rates when not needed. This company takes 4 to 6 months to correct actions when they have to lower payments. Midland is fraudulent with escrow accounts and handling funds.
12/21/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MI
  • 48708
Web
I believe there was mortgage fraud and possible tax fraud involved with MidFirst Bank, XXXX XXXX and XXXX XXXX XXXX XXXX ... .. XXXX XXXX is not only attorney for this bank but also as well owns XXXX XXXX a document company and a real estae company which specializes in forclosures through banks. Coincidence or not .... You decide if there is foul play in this ring.
10/04/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • FL
  • 33317
Web Older American, Servicemember
Repayment plan Show Deferral or partial claim Show Modification Show Show I have offered all these options to help get back on track for my forbearance due to Covid and they keep telling me they want the full payment. Its always been a struggle to deal with this company. I even had to file bankruptcy which thank God I finish it last month in XX/XX/XXXX XX/XX/XXXX
04/12/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Settlement process and costs
  • LA
  • 70506
Web
I am trying to get a succession completed. They keep asking for the same info again. First this is not signed .now this info is out of date, because the first info they ask is out of date now they want more info with the same previous info again. I have been fighting with Midland mortgage for three years now. I want them shut down today for incompetent actions.
03/09/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • OK
  • 741XX
Web Older American
On XX/XX/XXXX a property was mortgaged by borrower and co-borrower for {$40000.00} to lender ( Midfirst Bank ). The last scheduled payment to lender is XX/XX/XXXX. However, the final payment on the mortgage was XX/XX/XXXX ( see receipt ). As of XX/XX/XXXX Midfirst Bank has fail to provide a mortgage lien release and satisfactory of mortgage in a timely manner.
07/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 604XX
Web
My mortgage reported that I was 3 months pass due. But I was going through a modification due to the current pandemic and was out on a 3 month trial period to see if I could make the payments on time at a lower amount which I did. My mortgage was lowered to a smaller payment but the mortgage company reported to the credit bureaus that I missed three payments.
09/14/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 601XX
Web
I am attaching my dispute letter to this form. The mortgage company clearly made a mistake when they transferred from XXXX XXXX XXXX XXXX to Midland and for some reason a late fee was assessed to my brothers account. I am the cosigner and that late fee hit my credit report. Its auto draft and he hasn't been late in over 2 years and it needs to be removed
12/01/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • VA
  • 22193
Web
Hello I have an FHA loan and Mortgage Lender ( Midland Mortgage ) is refusing to give me an additional 6-month extension. I'm currently working with a HUD counselor and she advised me about this information, I also check HUD 's website to verify this information. It says on there FHA loans are available for up to 18 months if unable to find employment.
09/14/2021 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • IL
  • 604XX
Web Servicemember
This is not the first time my sister had wrote on this mortgage. Attached is where I and my deceased mom had purchased the house approximately over 30 years ago. When she passed I obtained Attorneys who wrote many charges that does not seem to be correct because I never left the property, nor have I ever seen anyone nor my sister, neighbors or anyone.
07/06/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • WY
  • 827XX
Web
Sold my house on XX/XX/XXXX without following legal procedures : did not notify me of sale date or pending foreclosure by certified mail, and did not publish the sale 4 consecutive weeks before sale. Sent me letters that took an unexplained and unacceptable amount of days even for the US Postal Service. One took 14 days and the other took 10 days.
02/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • MN
  • 56303
Web
Midland Mortgage is stating I am in a forbearance when I am not ; I used a Covid relief and have since repaid all of my back mortgage and they are reporting on my credit report I am in forbearance. It is causing financial hardship on me. I need help. Under the Covid relief plan it states they are not suppose to report it on your credit report.
09/24/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MI
  • 48066
Web
I can no longer afford to pay for my mortgage Am trying to do a short sale on the home I am told there is a fair offer on the table for the home it needs a lot of work and is not live able for my daughter who keeps getting sick here i am sending you the Estimates needed on the home to show this is the only and more than fair offer on the home.
02/12/2022 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • NV
  • 89107
Web
I have a project to purchase a home and I not available to prove due to my file on my previous mortgages show that has balance since the mortgages has been paid in full I need to remove or show that has been paid in full because that wrong information is affected my purchase home. Also I have been sent a document to prove on my complaint
12/07/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • UT
  • 84119
Web Older American
Vio Bank made an ACH transfer of {$500.00} to my account on XXXX XXXX on XX/XX/2022. The money didn't show up on my XXXX XXXX account so far. I made many phone calls to both of them. They didn't help much. XXXXXXXX XXXX wanted me to call Vio Bank to ask for the trace ID of that transaction but Vio Bank refused to give it to me.
11/03/2016 Yes
  • Mortgage
  • Other mortgage
  • Application, originator, mortgage broker
  • GA
  • 30132
Web
This account does not belong to me. This account belonged to my Ex-Wife. I never had an account with you. Please remove this account from my credit report. I have disputed this account many times with Midland Mortgage and the Credit Agencies. I need your assistance in getting this account removed from my credit file.
03/09/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 339XX
Web
My home was destroyed in hurricane Ian I sent the mortgage company my insurance payment and they're supposed to pay off the mortgage and refund me the difference. They've had the payment since XX/XX/2023 and have yet to complete the request hiding behind the fact that since it's a large payment it takes longer.
04/21/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • PA
  • 186XX
Web
XXXX XXXX was closed by me on XX/XX/2022. I did nothing t want to use this bank anymore. XXXX refuses to give bank funds. Stated that they sent it out XXXX have not received it called numerous times they still say it is in transit as of this date. XXXX has stated that they closed the account and I did not.
07/21/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • PA
  • 19446
Web
I was granted funds from PA XXXX intended to pay my mortgage through XX/XX/XXXX as stated in the email I received from XXXX. My mortgage company is stating that the loan was only paid through XX/XX/XXXX in their response to my last complaint. Where are the rest of the funds? They need to fix this issue.
03/23/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 953XX
Web
XXXX XXXX company refuses to modify my loan and has been over charging me for taxes every month and owes me 2000 in over fees but refuse to release the funds till Im off forbearance. They sold my loan to midland mortgage after reading reviews I see its going to be very hard to work with them as well.
02/27/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • OK
  • 73401
Web
My mortgage expert told me to file a complaint with the CFPB because they will not give me a specific person who handles my account and they keep asking for the same information over and over again so they can stall and take my home from me. Midland Mortgage, XXXX XXXX XXXX XXXX OK XXXX Loan # XXXX
12/15/2020 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • FL
  • 32233
Web Older American
When covid virus shutdown started in XX/XX/2020, I contacted my mortgage company Midland Mortage. They said in XXXX that if I qualify for program rhat I could put the payments I missed, on to principal amount on loan. Now I find out this is not the case. This is a valid case of miss representation.
11/13/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32207
Web
My problem begun on XX/XX/2022 I'm a recipient of XXXX XXXX XXXX XXXX I was awarded XXXX forward payments. I spoke to someone last week from XXXX and was told that my XXXX payments were already sent but my mortgage company or utilities provider hasn't received anything yet. XXXX XXXX XXXXXXXX
07/29/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 30019
Web
Midland Mortgage has been consistently reporting my mortgage to the major credit bureaus incorrectly. My insurance and taxes is not a note that should be reported, just the loan amount that I am paying back. I have been speaking with them since XX/XX/2015, and nothing has been rectified.
08/03/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IN
  • 46268
Web Older American
I was told that my mortgage was six months behind, and the mortgage company company can't tell me what months I fell behind. They said that I owe them XXXX dollars but I'm disputing that amount. Now they have remodified my loan my payment increase and they increase my interest rate too.
10/01/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Payment process
  • LA
  • 70126
Web
For the month of XXXX I paid online, but the amount was to be debited on XX/XX/XXXX, I included my late fee but it was still before the deadline of XXXX. The amount of the mortgage cleared from my bank account on XXXX XXXX XXXX. But the mortgage company is showing that I owe two months
02/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30096
Web
Midland mortgage is reporting my account as 90 days past due for XX/XX/2020, XX/XX/2020 and XX/XX/2020. XXXX received a copy of a letter from Midland Mortgage stating the account is in good standing however, it is still being reported ad late and XXXX will not update my credit file.
01/22/2021 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Funds not received from closed account
  • VA
  • 22204
Web
On XX/XX/XXXX I funded from an external bank account XXXX that went to a new account at Vio Bank. On the XXXX I got an email saying the transfer didnt go through. I called the bank and they told me the closed my account. I got no notice or explanation. I do not have my money back.
12/01/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • AZ
  • 85281
Web
XX/XX/2023, credit reversed, {$1100.00}. This was a lost package not successfully delivered by XXXX and its from XXXX. The bank said they couldnt credit this dispute because XXXX stated the package was successfully delivered, even without a signature Or a photo proof of delivery.
12/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • KY
  • 42223
Web Servicemember
I am in a furlough with my mortgage company and they are not suppose to reporting late payments bc of that and they have me listed as 60 days late and I want it removed I have spoke to a mortgage individual already and they told me they are not suppose to be reporting late
04/14/2023 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
  • IL
  • 601XX
Web
There is a late reporting fee from XXXX XXXX XXXX XXXX which is not XXXX XXXX of a property that I was a cosigner on. The property has since been moved off of my report as I am no longer on the mortgage I would respectfully like that late payment removed from my report.
02/28/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • TX
  • 78660
Web
Left Job due to personal reason, mortgage loan was paid until then to XXXX which set up bi-weekly payments to be drafted from my account. MidLand Mortgage is now trying to foreclose on my property without showing me a valid international contract between them and myself.
02/02/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 139XX
Web Servicemember
This company I mail my payment to ansd they take almost 2 weeks to actually cash my payments. Constantly charging late fees. My bank XXXX XXXX XXXX notified me of this process. When it is late I pay a late fee with it however it does not take 2 weeks to post a payment.
04/12/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • AZ
  • 85335
Web
The credit card company charged me a late fee which I paid on XXXX I phoned them and was given confirmation number XXXX on receiving the next bill. 2 late fees were given even though the bill was paid 4 days before it was do and there were plenty of funds in account.
06/23/2016 No
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • IN
  • 463XX
Web
I have been paying extra on my mortgage and the principal balance does not go down any. I am not sure what is going on. It has not went down all year so far. Infact it has went up when I check it. I would like an audit down to see exactly what is going on.
08/18/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • LA
  • 70806
Web
I AM WORKING WITH THE XXXX PROGRAM TO OBTAIN THE $ XXXX TO GO TOWARD MY MORTGAGE ARREARAGES AND MIDLAND MORTGAGE HAS ( DURING THE XXXX PROCESS ) HAS FORECLOSED ON MY HOME. I AM WORKING WITH A HUD AGENCY AND WAS CONDITIONALLY APPROVED FOR THE $ XXXX.
05/26/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 953XX
Web
Midland says they gave me the month of XXXX under Covid forebearance but when I call in they say they didnt and dont pay XXXX it will go to XXXX. They said they did in cfpb statement. If I do that I get marked late and foreclosure Need help asap
07/19/2021 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 77079
Web
We are on the COVID relief plan and were told that nothing would be reported late. We received the deferment but Midland reported our payments 6 months late even though it is not supposed to be reported late since we are on the COVID relief.
11/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 44143
Web
I reported to you XXXX XXXX for incorrect information on my credit report. They fixed it on my XXXX and XXXX but not my XXXX. XXXX sent me a letter saying they fixed the issue and I have that letter but its not fixed on my XXXX report.
06/22/2020 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • SC
  • 29681
Web
I was on a COVID-19 Deferment Plan that I sign up for and was approved for in XXXX with Midland Mortgage. They reported that I was 30 days past due. I was told that there would not be any negative reporting to my credit report.
03/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • PA
  • 19120
Web
Hello I sold my house last XXXX this account shouldnt even show on my account. I payed the remaining balance of my mortgage loan so by law and the fair credit act this must be removed from even being showed on my account!
05/26/2021 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • OK
  • 741XX
Web
When I closed on my mortgage I did not know that if you are backed by FHA that there is not to be any debentures on your mortgage loan. Midland Mortgage acquired my loan and they are in violation of 12 USC 1431 B.
05/26/2023 Yes
  • Mortgage
  • FHA mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AZ
  • 85704
Web
Midland mortgage has consistently reported me as not paying my mortgage while on a forbearance. I have disputed it with all three credit bureaus and they've answered and their answers still remains the same
07/20/2021 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Account opened as a result of fraud
  • VA
  • 22408
Web
I received a XXXX envelope on XXXXand enclosed was a thank you letter for opening an online savings account on XX/XX/21 with Vio Bank. I did not open an account or attempt to open an account with Vio Bank.
09/04/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • NY
  • 10468
Web
please help me. Cuz I don't know what happened to this account something happened and this bank considered as fraud and all of the sudden ending relationship with me and I owned them money for no reason.
05/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 217XX
Web
My mortgage Company is not reporting my oN time Payments, and in fact, is reporting to the credit agencies that my mortgage is in deferment when Ive been making my mortgage payments on time every month.
02/03/2019 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
  • CA
  • 94565
Web
Filed bankruptcy with XXXX XXXX in XX/XX/2012 but they never reaffirmed. I continued to pay then loan was sold to XXXX XXXX .... loan is current but still not being reported to any credit bureaus.
01/28/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • GA
  • 30349
Web
Mid first is attempting to foreclose on my home with a fraudulent assignment. I have requested proof of claim but Mid First has failed to respond. The QWR I mailed has not been responded to either
08/31/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 77067
Web
WHEN COVID-19 MY MORTAGE SIGN ME UP WITH A LOAN REPAYMENT PLAN NOW THEY REPORTTING ME TO ALL XXXX CREDIT OFFICE THIS HURT MY REPORT. THEY SAID I MISS XXXX XXXX XXXX. THANK YOU VERY MUCH
05/09/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 953XX
Web
Midland told myself and the cfpb I could take XXXX for the hud Covid relief. Now theyre giving me a hard time. Threatened me. Marking my credit, leaving the amount outstanding.
01/27/2023 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
  • DC
  • 20002
Web
THIS COMPANY BOUGHT MY MORTGAGE FROM ANOTHER COMPANY IN XXXX OF 2021 AND HAS NOT REPORTED TO THE CREDIT BUREAUS PLEASE SEE ATTACHED CREDIT REPORT FROM XXXX SHOWING NO MORTGAGE.
10/19/2023 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account information incorrect
  • NV
  • 89048
Web
Midland Mortgage, payment was made online prior to XXXX. Mortgage company post payment XXXX results in a 30 day late. Ask to remove 30 day late as payment was made prior.
07/21/2023 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • TX
  • 79762
Web Older American
The Vio Bank Beneficiary Policy discriminates against Elderly and XXXX by putting a heavy burden ( actual Physical pain/suffering ) discouraging them to deal with them.
07/15/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • NY
  • 122XX
Web
I truly need an expedited QWR on my property I own in XXXX, New York. I hereby attach a signed copy of this QWR, and need an expedited reply with all documentation.
04/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Personal information incorrect
  • IL
  • 601XX
Web
XXXX XXXX XXXX XXXX, IL XXXX I need this address removed from my credit report. I was on the mortgage as a cosigner but I am no longer on there. I need it removed.
01/10/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • CA
  • 92064
Web
Opened a new account last year with the promotion to earn {$250.00} after depositing {$2000.00}. Opened the account and never received the opening promotion.
01/20/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 32725
Web
Midland Mortgage is refusing to pay property insurance from escrowed funds. Midland Mortgage is threatening to put forced place insurance on the property.
06/02/2021 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • OK
  • 741XX
Web
Mortgage company violated several Federal laws which is attached to this complaint. I have included my DL for verification which has my current address.
04/11/2023 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Account opened as a result of fraud
  • NJ
  • 08075
Web
I have received numerous letters stating I opened different bank and credit card accounts. I believe someone has stolen all my impersonal information.
10/01/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 93536
Web
Account reports 30 day late payment for XX/XX/2019 and XX/XX/2019. XX/XX/2019 payment was made XX/XX/2019. XX/XX/2019 payment was made XX/XX/2019.
03/01/2017 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • VA
  • 23606
Web Older American
Mortgage company keeps increasing interest rate and late fees. My total current fees are {$2200.00}. I have not made late payments at any time.
06/10/2020 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
  • Investigation took more than 30 days
  • CA
  • 93722
Web
My mortgage are showing late payments which is not correct and this is causing me problems trying to Refinance my home.
01/18/2017 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • MO
  • 64081
Web
I want midland to provide pay history, settlement statement truth in lending disclosure, title policy and appraisal
01/09/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • CA
  • 92064
Web
Opened the account and funded with {$2000.00} to receive a account bonus of {$250.00} and never received it.
09/20/2019 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • IL
  • 604XX
Web Servicemember
This is not a new complaint. See " attached '' documents of Midland Morgage unfair morgage practices ...
01/18/2024 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Company closed your account
  • TN
  • 37934
Web
Vio bank suddenly froze all my accounts today and now I have no ability to login or access my funds
01/23/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • LA
  • 70127
Web
I was told that I was appointed for a loan but instead of moving coming on my card XXXX came off
10/30/2019 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Information belongs to someone else
  • KY
  • 402XX
Web
these 2 mortgages no longer belong to me have nothing to do with belong to ex husband
06/23/2022 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
  • CO
  • 80015
Web
I was under forbearance, due to covid, It was not supposed to effect my credit.
04/24/2019 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
  • CA
  • 94565
Web
XXXX mortgage refuses to report my mortgage to all three credit bureaus.
12/25/2023 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • Changes in loan terms during or after closing
  • IL
  • 60586
Web
I have issues with financial services.
01/27/2024 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • AZ
  • 85387
Web
01/27/2024 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
  • TX
  • 754XX
Web
01/24/2024 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • AZ
  • 85224
Referral
01/22/2024 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • Payment process
  • TX
  • 78753
Web Servicemember
01/15/2024 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • Trying to communicate with the company to fix an issue with the application process
  • NY
  • 11003
Web
01/13/2024 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Late or other fees
  • AZ
  • 85388
Web
01/09/2024 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Problem accessing account
  • FL
  • 33033
Web Older American
01/08/2024 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Payment process
  • OK
  • 74075
Web Servicemember
01/02/2024 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • An existing modification, forbearance plan, short sale, or other loss mitigation relief
  • FL
  • 32822
Phone
12/23/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • OK
  • 73099
Web
12/19/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Trying to communicate with the company to fix an issue while managing or servicing your loan
  • MD
  • 21075
Phone
12/19/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
  • FL
  • 33311
Web
12/16/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Escrow, taxes, or insurance
  • GA
  • 30349
Web Older American
12/15/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NV
  • 89149
Web
12/13/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
  • IL
  • 60617
Web
12/08/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
  • AZ
  • 85042
Web Servicemember
12/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 45881
Web
11/22/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Payment process
  • MD
  • 21075
Phone
11/20/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Payment process
  • TN
  • 38305
Web
11/19/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 32226
Web
11/17/2023 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • Private mortgage insurance (PMI)
  • OK
  • 73120
Referral
11/15/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Private mortgage insurance (PMI)
  • VA
  • 23455
Phone Older American
11/14/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • Closing disclosure or other related disclosures
  • LA
  • 70805
Phone
11/07/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • GA
  • 30034
Web
11/02/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
  • FL
  • 32065
Web
11/02/2023 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Banking errors
  • OH
  • 45245
Phone
11/01/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • OK
  • 73160
Web Older American, Servicemember
10/18/2023 Yes
  • Mortgage
  • FHA mortgage
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 19135
Web
10/16/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30132
Web
10/16/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 27617
Web Servicemember
10/16/2023 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Banking errors
  • OH
  • 45245
Phone
10/16/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 19135
Web
10/16/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Escrow, taxes, or insurance
  • PA
  • 15236
Phone
10/16/2023 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Opening an account
  • Unable to open an account
  • NY
  • 10012
Web
10/06/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OK
  • 74134
Web
10/02/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Loan sold or transferred to another company
  • AL
  • 36117
Web
09/24/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • OK
  • 73071
Web
09/20/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
  • MD
  • 20720
Web Servicemember
09/19/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Paying off the loan
  • CT
  • 06106
Phone Older American, Servicemember
09/01/2023 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Banking errors
  • CA
  • 93004
Web Older American, Servicemember
09/01/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Trying to communicate with the company to fix an issue while managing or servicing your loan
  • FL
  • 34606
Web Older American
08/31/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 77523
Web
08/29/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • Loan sold or transferred to another company
  • GA
  • 30253
Web Servicemember
08/29/2023 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Banking errors
  • NY
  • 11213
Web
08/29/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Struggling to pay your loan
  • MO
  • 64133
Referral
08/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 70737
Web
08/14/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 75067
Web
08/03/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 91945
Web
08/02/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 75253
Web
08/01/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • IL
  • 60467
Web Servicemember
07/31/2023 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
  • FL
  • 34744
Web
07/28/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MA
  • 01843
Web
07/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NV
  • 89149
Web
07/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33157
Web
07/18/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MO
  • 63043
Web
07/13/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TN
  • 38016
Web Referral
07/06/2023 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
  • 32058
Web
07/06/2023 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
  • 32058
Web
06/29/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TN
  • 38018
Phone
06/28/2023 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 22192
Web
06/28/2023 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • GA
  • 30281
Web
06/28/2023 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • GA
  • 30281
Web
06/26/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 75013
Phone
06/24/2023 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70810
Web
06/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • WA
  • 98027
Web Servicemember
06/15/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NY
  • 13211
Web
06/14/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • MI
  • 49060
Phone Servicemember
06/14/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • DE
  • 19707
Web
06/14/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CT
  • 06002
Web Referral
06/08/2023 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60422
Web
06/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32211
Web
06/02/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NC
  • 27043
Web
06/02/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MS
  • 39564
Referral
06/01/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • OH
  • 44137
Web
06/01/2023 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • TN
  • 38104
Web
05/26/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • AR
  • 72205
Web Servicemember
05/24/2023 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TN
  • 38138
Web
05/24/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Funds not received from closed account
  • NJ
  • 07032
Referral
05/10/2023 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
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • TX
  • 77346
Web
05/06/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • GA
  • 30307
Web
05/05/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 776XX
Web Older American
05/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11413
Web
05/01/2023 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • MN
  • 55902
Web
05/01/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • 07871
Phone
04/28/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MD
  • 21228
Web
04/23/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • PA
  • 19446
Web
04/22/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • FL
  • 33576
Web
04/20/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 11580
Phone Older American
04/15/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • KY
  • 40211
Web
04/06/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • IN
  • 46319
Referral
04/03/2023 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
  • Problem with personal statement of dispute
  • FL
  • 32643
Web
04/03/2023 Yes
  • Checking or savings account
  • Savings account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • OK
  • 74112
Referral
03/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 76123
Web
03/28/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IL
  • 60503
Web
03/28/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • MD
  • 20602
Web Servicemember
03/26/2023 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
  • AZ
  • 85006
Web
03/20/2023 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • CA
  • 95827
Web Servicemember
03/14/2023 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
  • IL
  • 605XX
Web
03/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60617
Web
03/08/2023 Yes
  • Money transfer, virtual currency, or money service
  • Money order
  • Fraud or scam
  • MI
  • 497XX
Web
03/02/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • MO
  • 64110
Phone Older American, Servicemember
03/01/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • WI
  • 546XX
Web
02/23/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NJ
  • 08638
Referral
02/15/2023 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
  • FL
  • 32218
Web
02/10/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • AZ
  • 85297
Web
02/08/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 61571
Phone
02/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 752XX
Web
01/29/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • AZ
  • 85338
Web Servicemember
01/13/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IL
  • 60443
Web Servicemember
01/02/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AZ
  • 85339
Web
12/29/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 77583
Web
12/28/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 32218
Web
12/20/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 32643
Web
12/12/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AZ
  • 85541
Web
12/01/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • PA
  • 19007
Referral
11/30/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MI
  • 48134
Web
11/30/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 11576
Phone Older American
11/29/2022 Yes
  • Money transfer, virtual currency, or money service
  • Foreign currency exchange
  • Problem with customer service
  • AZ
  • 85281
Web
11/29/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • OK
  • 73507
Web Older American
11/29/2022 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MA
  • 01854
Web
11/19/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 90025
Referral
11/18/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • OK
  • 73120
Web
11/17/2022 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Public record information inaccurate
  • WV
  • 26330
Web
11/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MA
  • 02725
Web
11/10/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • PA
  • 18045
Referral
10/28/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • FL
  • 34759
Referral
10/26/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • FL
  • 34759
Web
10/13/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92688
Web
10/07/2022 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 21218
Phone
10/03/2022 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • CA
  • 92058
Web Servicemember
09/28/2022 Yes
  • Mortgage
  • FHA mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • WA
  • 98671
Web
09/27/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NC
  • 27317
Web
09/24/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • AZ
  • 85140
Web
09/17/2022 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Account opened as a result of fraud
  • NY
  • 10022
Web
09/11/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • LA
  • 70818
Web
09/08/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 33873
Web
09/05/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • TX
  • 78228
Web Servicemember
08/31/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OR
  • 97123
Postal mail
08/31/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NC
  • 28412
Phone Older American
08/25/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • TN
  • 38104
Web
08/24/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • OH
  • 44129
Web Older American
08/23/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • OR
  • 97703
Web
08/14/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 33054
Web
08/14/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 33035
Web
08/11/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 32824
Web
08/09/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 10965
Web
08/04/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 33870
Web
08/03/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • FL
  • 33785
Web
07/29/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NY
  • 10473
Web
07/29/2022 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • AZ
  • 86322
Web
07/26/2022 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • CA
  • 93955
Web Servicemember
07/25/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • RI
  • 02861
Referral
07/18/2022 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • WA
  • 98045
Web
07/11/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • FL
  • 32771
Phone
07/10/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • WV
  • 25661
Web
07/07/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 95358
Phone
07/06/2022 Yes
  • Mortgage
  • Reverse mortgage
  • Trouble during payment process
  • DE
  • 19702
Phone Older American, Servicemember
07/05/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NJ
  • 07017
Web
07/05/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NJ
  • 07047
Web
07/05/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • PA
  • 19067
Phone
06/27/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • AZ
  • 85302
Phone
06/21/2022 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • WA
  • 99208
Web
06/15/2022 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30009
Web
06/15/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 75204
Web
06/14/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • 07039
Phone
06/08/2022 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
  • GA
  • 30039
Web
06/06/2022 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • 92301
Phone
05/27/2022 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Unable to open an account
  • OH
  • 45140
Phone
05/27/2022 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • TN
  • 37214
Phone
05/26/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • CA
  • 90717
Web
05/23/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • OK
  • 73112
Web
05/20/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • OK
  • 73162
Web
05/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NE
  • 68133
Web Servicemember
05/17/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TX
  • 78240
Referral
05/15/2022 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Can't close your account
  • OK
  • 73142
Web Older American, Servicemember
05/12/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • AZ
  • 85710
Referral
05/11/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CA
  • 92860
Phone
05/09/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • LA
  • 70791
Phone
05/09/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • 08057
Phone
05/09/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • FL
  • 33705
Phone Older American
05/06/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TN
  • 38141
Referral
05/05/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TN
  • 38141
Web Referral
05/04/2022 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • DE
  • 19904
Web
04/27/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NJ
  • 08081
Web
04/26/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • OK
  • 73013
Phone Older American, Servicemember
04/25/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • CA
  • 92620
Web
04/25/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • CA
  • 92620
Web
04/21/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • AZ
  • 85048
Referral
04/20/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NY
  • 14624
Web
04/20/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • CA
  • 90717
Web
04/17/2022 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • DC
  • 20002
Web Servicemember
04/13/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MD
  • 21701
Postal mail
04/11/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30291
Phone
04/06/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 33054
Phone
04/05/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MI
  • 48912
Phone Servicemember
03/30/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • MD
  • 21207
Referral
03/29/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NC
  • 27284
Web
03/26/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MO
  • 63113
Web
03/23/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • VA
  • 23453
Web
03/21/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • IN
  • 46077
Web
03/21/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • ID
  • 83660
Phone Older American
03/21/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • OK
  • 73132
Web
03/19/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • 95123
Referral
03/18/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 94509
Referral
03/14/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • 08021
Phone
03/08/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • CA
  • 90012
Web
03/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07017
Referral
03/04/2022 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • FL
  • 32821
Web
03/02/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • ID
  • 83660
Phone Older American, Servicemember
03/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 75201
Referral
03/01/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other service problem
  • AZ
  • 85233
Referral
02/24/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 78734
Referral
02/23/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • WA
  • 98104
Postal mail
02/18/2022 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Banking errors
  • FL
  • 33523
Phone Older American
02/17/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • GA
  • 31501
Phone
02/15/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 91761
Phone
02/14/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CA
  • 95380
Web
02/14/2022 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 08232
Web
02/10/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AR
  • 72223
Web
02/09/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MD
  • 20716
Phone Older American
02/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • VA
  • 22191
Web Servicemember
02/04/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • NY
  • 11374
Web
02/02/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • CA
  • 94568
Web
02/02/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • 94533
Referral
02/01/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • FL
  • 32433
Web
01/28/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 18347
Referral
01/28/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • OK
  • 74145
Referral
01/27/2022 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 15132
Phone
01/26/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • AR
  • 72022
Web
01/20/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • PA
  • 15642
Web
01/20/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 33613
Phone Older American
01/15/2022 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
  • GA
  • 30349
Web
01/10/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • WA
  • 98233
Web Servicemember
12/30/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92881
Web
12/29/2021 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • CA
  • 94509
Referral
12/27/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 34759
Referral
12/17/2021 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • IL
  • 60506
Phone
12/13/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MA
  • 02302
Web Older American
12/09/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • LA
  • 70345
Referral
12/06/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CT
  • 06118
Referral
12/02/2021 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • NJ
  • 08816
Web
12/02/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • LA
  • 40123
Phone
11/18/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • PA
  • 18801
Referral
11/11/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • OK
  • 74128
Referral
11/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Problem canceling credit monitoring or identify theft protection service
  • FL
  • 34952
Web
11/05/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • PA
  • 19464
Web
11/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 75104
Referral
11/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32578
Web Servicemember
10/29/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NY
  • 13069
Postal mail
10/28/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30230
Web
10/27/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • OK
  • 73099
Referral
10/23/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • OK
  • 73120
Web
10/21/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • CA
  • 90048
Web
10/14/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • 07013
Web
10/07/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • IL
  • 60506
Phone
09/29/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • AZ
  • 85014
Referral
09/27/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MO
  • 63376
Web
09/24/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MO
  • 63114
Phone
09/21/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
Phone
09/21/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 760XX
Web
09/21/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • NJ
  • 07002
Referral
09/12/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NJ
  • 07013
Web
09/04/2021 Yes
  • Mortgage
  • FHA mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CT
  • 06035
Web
09/01/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Opening an account
  • Unable to open an account
  • FL
  • 33584
Referral
08/31/2021 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • 95219
Web
08/25/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NV
  • 89141
Web
08/19/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
Referral
08/19/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • NJ
  • 08505
Web
08/18/2021 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 90746
Web
08/11/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • WA
  • 98026
Web
08/11/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MI
  • 49240
Web
08/11/2021 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 08527
Web
08/06/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 77038
Web
08/06/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • AZ
  • 85254
Referral
08/03/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TN
  • 37116
Web
08/02/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • MI
  • 48174
Referral
08/02/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • MD
  • 21042
Web
07/30/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • IN
  • 46254
Web
07/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
Phone
07/27/2021 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
  • TX
  • 76259
Web
07/23/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MI
  • 48174
Phone Servicemember
07/22/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NJ
  • 08831
Referral
07/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92201
Web Servicemember
07/22/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • TX
  • 75051
Referral
07/15/2021 Yes
  • Mortgage
  • VA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32578
Web Servicemember
07/15/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • MO
  • XXXXX
Web
06/29/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem accessing account
  • NY
  • 11563
Phone
06/17/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CT
  • 06066
Web
06/04/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • PA
  • 17603
Phone
06/04/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 913XX
Web
06/02/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • CA
  • 92545
Referral
05/27/2021 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Unable to open an account
  • NC
  • 27613
Referral
05/22/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 77429
Web
05/14/2021 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • IL
  • 60087
Referral
05/10/2021 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • AZ
  • 85250
Referral
05/05/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 08332
Web
05/05/2021 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Problem accessing account
  • CA
  • 94707
Referral
05/03/2021 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Applying for a mortgage or refinancing an existing mortgage
  • TX
  • 77338
Referral
04/28/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Banking errors
  • OK
  • 74135
Referral
04/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 95713
Web
04/15/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • OK
  • 74110
Referral
04/10/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 78357
Referral
04/09/2021 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
Phone
04/07/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • IL
  • 60636
Web
04/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MI
  • 49203
Referral
03/31/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MI
  • 49203
Referral
03/30/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 60429
Web
03/25/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 77088
Phone
03/23/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • CA
  • 95961
Referral
03/15/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AZ
  • 85302
Referral
03/12/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30019
Web
03/11/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AZ
  • 85302
Referral
03/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MO
  • 65049
Web
03/08/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92374
Web
03/05/2021 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Funds not received from closed account
  • WV
  • 25403
Phone Older American
03/04/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • IL
  • 60417
Postal mail
03/03/2021 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Information is missing that should be on the report
  • TX
  • 75093
Web
03/03/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • OK
  • 73112
Referral
03/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MO
  • 65049
Web
02/26/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • LA
  • 70114
Referral
02/18/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • MO
  • 63033
Postal mail
02/15/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30043
Web
02/11/2021 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Funds not received from closed account
  • MI
  • 48315
Referral
02/10/2021 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 92688
Referral
02/08/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MA
  • 01040
Web
02/03/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • MN
  • 55402
Postal mail
02/03/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • TX
  • 78753
Web Servicemember
02/03/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MI
  • 48111
Web
01/22/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OH
  • XXXXX
Web
01/22/2021 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
  • Investigation took more than 30 days
  • NJ
  • 08053
Web
01/20/2021 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Managing an account
  • Deposits or withdrawals
  • AZ
  • 85255
Referral
01/12/2021 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Problem accessing account
  • PA
  • 19103
Referral
12/31/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • AL
  • 35044
Referral
12/14/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NY
  • 11552
Phone Older American
12/14/2020 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • SC
  • 29681
Web
12/11/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33169
Referral
12/08/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • IL
  • 60443
Web
12/05/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • NY
  • 117XX
Web
11/06/2020 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
  • VA
  • 23669
Web
11/03/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • XXXXX
Web Older American, Servicemember
10/30/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • MO
  • 63033
Referral
10/29/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • KY
  • 41139
Phone
10/29/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NY
  • 10001
Referral
10/27/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OH
  • 44313
Referral
10/25/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MI
  • 49505
Web
10/16/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TN
  • 38141
Web
10/09/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IL
  • 60506
Web
10/06/2020 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Company closed your account
  • MD
  • 20847
Phone
09/29/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • DE
  • 19810
Web
09/28/2020 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • GA
  • 30228
Phone Servicemember
09/28/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NY
  • 11572
Referral Older American
09/18/2020 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
  • MA
  • 02720
Web
09/16/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • VT
  • 05641
Referral
09/16/2020 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Problem using a debit or ATM card
  • NY
  • 11572
Referral Older American
09/15/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • AR
  • 72855
Web
09/10/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NV
  • 89031
Web
09/08/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • WA
  • 98133
Referral
09/05/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IL
  • 60451
Web
08/30/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NC
  • 27406
Referral
08/29/2020 Yes
  • Mortgage
  • FHA mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 32218
Web
08/24/2020 Yes
  • Mortgage
  • VA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • 93230
Web Servicemember
08/19/2020 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Company closed your account
  • MD
  • 20847
Web
08/18/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MA
  • 01604
Web
08/18/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • WA
  • 98662
Web
08/17/2020 Yes
  • Mortgage
  • VA mortgage
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • MO
  • 64110
Phone Older American, Servicemember
08/14/2020 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MT
  • 59918
Referral
08/04/2020 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Confusing or missing disclosures
  • AZ
  • 85298
Web
07/24/2020 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Banking errors
Referral
07/06/2020 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • TX
  • 76123
Web Servicemember
06/23/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30238
Referral
06/23/2020 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32225
Referral Servicemember
05/26/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • WI
  • 54757
Web
05/14/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92374
Web
05/08/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • AZ
  • 85014
Phone Older American
05/07/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CT
  • 06040
Referral
05/07/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AR
  • 72956
Web
04/27/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • WI
  • 53558
Referral
04/17/2020 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 91722
Referral
04/10/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • PA
  • 19047
Web
04/06/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CA
  • 93312
Web
04/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IN
  • 46408
Postal mail
03/31/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IL
  • 60637
Web
03/26/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 32210
Referral
03/25/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 90650
Web
03/25/2020 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Funds not received from closed account
  • PA
  • 19031
Referral
03/23/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 32225
Phone Servicemember
03/09/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OK
  • 73120
Referral
03/09/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • LA
  • 70069
Referral
03/05/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WI
  • 54757
Web
03/03/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • LA
  • 70069
Web
03/02/2020 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Didn't receive terms that were advertised
  • LA
  • 71118
Referral
02/24/2020 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Managing an account
  • Deposits or withdrawals
  • OK
  • 73018
Referral
02/10/2020 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Can't close your account
  • AL
  • 36567
Web
02/07/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NC
  • 28540
Referral
01/27/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TN
  • 38118
Phone
01/13/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MA
  • 01440
Web
01/10/2020 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Managing an account
  • Funds not handled or disbursed as instructed
  • TX
  • 75205
Referral
01/10/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 33312
Referral
01/09/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • CA
  • 92881
Referral
01/08/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 32641
Phone
01/08/2020 Yes
  • Debt collection
  • Mortgage debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 94509
Referral
12/28/2019 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
  • MD
  • 20601
Web Servicemember
12/15/2019 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Unable to open an account
  • NM
  • 88012
Web
12/15/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • NM
  • 88012
Web
12/14/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • OK
  • 74133
Web Older American
12/12/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NJ
  • 08848
Web
12/09/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92571
Referral
12/05/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CT
  • 06614
Phone
12/04/2019 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Fee problem
  • CA
  • 90212
Web
11/27/2019 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • VA
  • 23188
Web
11/27/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MD
  • 21207
Phone Older American
11/22/2019 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Can't close your account
  • NC
  • 28079
Referral
11/20/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with customer service
  • AZ
  • 85022
Web
11/19/2019 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Unable to open an account
  • TX
  • 77565
Referral
11/19/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 76133
Referral
11/06/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • XXXXX
Web
11/01/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 76133
Referral
10/28/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 93422
Web
10/17/2019 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Funds not received from closed account
  • MN
  • 55437
Phone
10/16/2019 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
Phone
10/12/2019 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Unable to open an account
  • CT
  • 06525
Web
10/11/2019 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
Referral
10/09/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • TX
  • 77864
Phone Older American
09/24/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
Phone
09/24/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
Referral
09/16/2019 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Unable to open an account
  • NJ
  • 07043
Referral
09/09/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AL
  • 36301
Phone
09/09/2019 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Unable to open an account
  • VA
  • 22193
Phone
09/09/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 77381
Web Older American
09/06/2019 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Unable to open an account
  • FL
  • 32814
Referral
09/04/2019 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Unable to open an account
  • UT
  • 84103
Referral
09/04/2019 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • NC
  • 27612
Referral
09/03/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • PA
  • 19067
Referral
08/30/2019 Yes
  • Debt collection
  • Mortgage debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • LA
  • 70067
Referral
08/01/2019 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Company closed your account
  • TX
  • 77007
Referral
07/30/2019 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Problem making or receiving payments
  • NY
  • 11201
Web
07/29/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • OK
  • 73064
Referral
07/12/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 90302
Web
07/11/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • VA
  • 22903
Referral
07/11/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Banking errors
  • OK
  • 73162
Referral
07/03/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 44117
Web Older American
07/02/2019 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Unable to open an account
Referral
07/01/2019 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Can't close your account
  • MN
  • 55437
Referral
06/27/2019 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Problem making or receiving payments
  • NY
  • 10022
Referral
06/15/2019 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
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • OK
  • 74063
Web
06/14/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MS
  • 39211
Web
05/30/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AL
  • 35810
Postal mail
05/30/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32778
Referral
05/23/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • AZ
  • 85254
Referral
05/21/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • GA
  • 39817
Referral
05/01/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • KY
  • 40336
Web
05/01/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92614
Web
04/29/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 23116
Web
04/25/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OR
  • 97060
Referral
04/23/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 75104
Web
04/23/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NH
  • 03275
Referral Servicemember
04/17/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • MD
  • 20785
Referral
03/24/2019 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Company closed your account
  • TX
  • 75082
Web
03/21/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • OK
  • 73120
Referral
03/21/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 77651
Referral
03/18/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 77089
Web
03/12/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 33023
Phone
03/12/2019 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MD
  • 20886
Phone Older American
03/07/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • LA
  • 70403
Web
03/04/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • GA
  • 30135
Web
03/01/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • GA
  • 30038
Web
02/20/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • GA
  • 30047
Referral
02/17/2019 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TX
  • 77429
Web
02/05/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • OK
  • 73034
Web
02/01/2019 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Information is missing that should be on the report
  • WI
  • 54701
Web
01/23/2019 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Problem accessing account
Phone Servicemember
01/23/2019 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Can't close your account
  • FL
  • 33137
Web
01/19/2019 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • TX
  • 77471
Web Older American, Servicemember
01/11/2019 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
  • 76018
Web
01/03/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 19050
Referral
12/21/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • AL
  • 35749
Referral
12/18/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CO
  • 80226
Web
12/18/2018 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
Phone
12/13/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 32808
Referral
12/11/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TX
  • 76247
Web
12/10/2018 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • IL
  • 60452
Referral
12/06/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • NC
  • 27265
Referral
12/06/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • AZ
  • 85044
Phone
12/06/2018 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Unable to open an account
  • SC
  • 29605
Referral
12/04/2018 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Unable to open an account
  • SC
  • 29605
Referral
12/03/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Information is missing that should be on the report
  • CO
  • 80951
Referral
11/29/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 28429
Web
11/29/2018 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
  • MD
  • 21061
Web Servicemember
11/16/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 90043
Web
11/14/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30224
Referral
11/08/2018 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • IL
  • 60064
Phone
11/06/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 77429
Web
10/19/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
Phone
10/17/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 76018
Web
10/16/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 12053
Referral
10/10/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • IL
  • 60064
Postal mail
09/14/2018 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76682
Fax
09/05/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
Referral
08/28/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • OH
  • 440XX
Web
08/22/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32209
Web Servicemember
08/03/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • OK
  • 73801
Referral
07/23/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • OK
  • 73801
Referral
07/20/2018 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • MO
  • 64081
Phone
07/11/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 34945
Postal mail
07/07/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • SC
  • 29170
Web
06/28/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • NY
  • 11520
Referral
06/18/2018 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Information is missing that should be on the report
  • AL
  • 35650
Web
05/21/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • AZ
  • 85331
Referral
05/21/2018 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • PA
  • 17602
Referral
05/08/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • PA
  • 19122
Web
05/07/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
Referral
05/01/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • IL
  • 60409
Web
04/06/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • CT
  • 06606
Referral
04/02/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • MD
  • 21222
Referral
04/01/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MI
  • 48141
Web
03/29/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NV
  • 89014
Referral
03/27/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WI
  • 53158
Web
03/16/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • OK
  • 74801
Web
03/15/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MA
  • 01605
Web Servicemember
03/14/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • OH
  • 43115
Phone
03/06/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • VA
  • 22701
Web
03/05/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • OH
  • 44286
Web
03/04/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • IN
  • 46818
Web
02/21/2018 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • TX
  • 76014
Web Servicemember
02/20/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • PA
  • 19134
Web
02/16/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MI
  • 48141
Web
02/14/2018 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
  • Problem with personal statement of dispute
  • LA
  • 70647
Web
02/13/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • VA
  • 22701
Web
02/01/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • GA
  • 30216
Web Servicemember
01/16/2018 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33484
Web
12/04/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AL
  • 35126
Web Servicemember
12/03/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • KY
  • 40204
Web
12/02/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • PA
  • 19095
Web
12/01/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • OH
  • 43906
Web
11/27/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 60426
Web Older American, Servicemember
11/21/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • NJ
  • 08618
Referral
11/01/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • FL
  • 33024
Referral
11/01/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TN
  • 37411
Referral
10/30/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • AZ
  • 85051
Referral
10/08/2017 Yes
  • Mortgage
  • FHA mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MD
  • 20781
Web
10/07/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • FL
  • 34761
Web
09/26/2017 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
  • AZ
  • 85023
Phone
09/25/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • GA
  • 31632
Web
09/24/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • WA
  • 98133
Referral
09/17/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • MD
  • 20735
Referral
09/13/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32244
Web Older American
08/25/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • WV
  • 25425
Referral
08/15/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • CA
  • 95367
Web
08/14/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • LA
  • 71303
Referral
08/04/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • SC
  • 29732
Fax Servicemember
08/03/2017 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NC
  • 28655
Phone
07/26/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
Referral
07/19/2017 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07040
Web
07/19/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
Phone
07/17/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • MO
  • 64134
Referral
07/09/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • FL
  • 34744
Web
07/07/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • FL
  • 32707
Referral
07/07/2017 Yes
  • Debt collection
  • Mortgage debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TN
  • 38109
Postal mail
06/22/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • ID
  • 83660
Postal mail
06/16/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • FL
  • 32707
Referral
05/30/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IN
  • 46205
Web
05/25/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MN
  • 55082
Web
05/10/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 76018
Web
04/26/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NJ
  • 07731
Postal mail
04/26/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MD
  • 20623
Postal mail
04/18/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • PA
  • 19124
Postal mail
04/05/2017 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 92571
Postal mail
04/03/2017 Yes
  • Debt collection
  • Mortgage
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • IN
  • 46205
Web
03/28/2017 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan servicing, payments, escrow account
  • OK
  • 74804
Referral
03/24/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • IN
  • 47909
Web
03/21/2017 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • TX
  • 75233
Referral
03/21/2017 Yes
  • Mortgage
  • Other mortgage
  • Application, originator, mortgage broker
  • NY
  • 14450
Referral
03/15/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 77651
Web Older American
03/09/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account status
  • OR
  • 97701
Referral
03/08/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account status
  • OR
  • 97701
Referral
03/08/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account status
  • OR
  • 97701
Referral
02/24/2017 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • OR
  • 97701
Web Servicemember
02/21/2017 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • MO
  • 64128
Referral
02/15/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • IL
  • 60440
Web
02/06/2017 Yes
  • Mortgage
  • FHA mortgage
  • Settlement process and costs
  • FL
  • 33167
Web
02/03/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • PA
  • 19120
Web
02/03/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • WA
  • 98056
Phone Older American
01/13/2017 Yes
  • Credit reporting
  • Credit reporting company's investigation
  • No notice of investigation status/result
  • CA
  • 94603
Web
01/04/2017 Yes
  • Mortgage
  • VA mortgage
  • Loan modification,collection,foreclosure
  • LA
  • 70058
Web
12/22/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • NJ
  • 07112
Referral
12/06/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 92806
Web
12/02/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • TX
  • 76018
Web
12/02/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 33137
Web
12/01/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • IL
  • 60628
Web
11/24/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 33510
Web
11/10/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • NC
  • 27863
Web Older American
11/06/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • NJ
  • 07040
Web
10/11/2016 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • CA
  • 93012
Fax
09/28/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • MD
  • 21244
Referral
09/28/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • PA
  • 18456
Referral
09/20/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • PA
  • 17602
Fax
09/08/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • OK
  • 73099
Phone
08/30/2016 Yes
  • Mortgage
  • Other mortgage
  • Settlement process and costs
  • MI
  • 48223
Referral
08/29/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • AZ
  • 86025
Web
08/23/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • NE
  • 68147
Referral
08/16/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • NJ
  • 08722
Postal mail
08/10/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • CO
  • 80204
Phone
08/10/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • NY
  • 07410
Web
08/09/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • MO
  • 63114
Postal mail
08/04/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • CT
  • 06106
Web
07/30/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • MI
  • 49009
Web
07/28/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 32060
Web
07/28/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NJ
  • 07036
Referral
07/26/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • MA
  • 01604
Web Older American
07/18/2016 Yes
  • Mortgage
  • VA mortgage
  • Loan modification,collection,foreclosure
  • NJ
  • 07203
Web
07/08/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 93291
Web
07/01/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 77373
Referral
06/27/2016 Yes
  • Mortgage
  • Other mortgage
  • Other
  • FL
  • 32159
Postal mail
06/24/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 77373
Web
06/23/2016 Yes
  • Debt collection
  • Mortgage
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33024
Phone Older American
06/14/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 95503
Phone Older American
06/10/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 32640
Web
06/09/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • TN
  • 38106
Referral
06/08/2016 Yes
  • Mortgage
  • VA mortgage
  • Loan modification,collection,foreclosure
  • OK
  • 73072
Web
06/06/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • NC
  • 27804
Fax
06/01/2016 Yes
  • Mortgage
  • Other mortgage
  • Other
  • GA
  • 30281
Postal mail
05/25/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • MO
  • 64128
Referral
05/16/2016 Yes
  • Debt collection
  • Mortgage
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 19124
Web
05/03/2016 Yes
  • Mortgage
  • FHA mortgage
  • Credit decision / Underwriting
  • PA
  • 17552
Web
04/29/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 75237
Web
04/19/2016 Yes
  • Mortgage
  • FHA mortgage
  • Application, originator, mortgage broker
  • LA
  • 70615
Phone Older American
04/05/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • MO
  • 63108
Web
03/30/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • NJ
  • 07735
Referral
03/15/2016 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • AR
  • 72023
Web
03/08/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • MD
  • 20785
Referral