I opened this account online after seeing a promotion offering a bonus for meeting certain deposit requirements. At the time of opening the account, I followed all the required steps, including entering all promotional codes. I initially deposited {$100.00} as required, and later deposited over {$1000.00} as stated in the promotion. Some of these deposits were made via transfer from another bank, which typically takes a few days to complete. The funds have already been received in my account and can be verified. In addition, I also received direct deposits into the account and met the stated requirements. Before this issue, I contacted the bank multiple times, and I was told that everything was completed correctly and that I just needed to wait a few more days for the bonus to be credited. However, when I contacted the bank again, I was suddenly told that I am not eligible for the bonus, without any clear or consistent explanation.…
CFPB COMPLAINT DATABASE
Midfirst Bank
119 real consumer complaints filed against Midfirst Bank at the Consumer Financial Protection Bureau in the last 12 months. 26 received relief from the company. Median federal response time: 15 days.
Most common issues
- 01Struggling to pay mortgage45
- 02Trouble during payment process29
- 03Managing an account7
- 04Problem with a company's investigation into an existing problem6
- 05Closing an account5
Top states filing
How others won relief
These complainants filed at the CFPB and the company refunded or credited money in response. The CFPB doesn't force outcomes, but it does force a response in 15 days.
I am filing this complaint regarding XXXX XXXX refusal to reimburse a confirmed unauthorized ACH withdrawal of {$340.00} from my business account. The unauthorized debit posted to my account on XX/XX/XXXX. I discovered the transaction and filed a dispute on XX/XX/XXXX. The merchant name displayed in my online banking interface was XXXX XXXX XXXX XXXX. After my claim was denied, I contacted the merchant directly. The merchant confirmed he did not initiate the charge and that I am at least the XXXX person to contact him regarding the same fraudulent transaction. My local XXXX branch XXXX reviewed the transaction and informed me that the backend merchant identification number was associated with XXXX.…
I submitted an outgoing wire transfer request that was never processed. There was no written confirmation, rejection, or explanation provided by the bank. I spent several hours on the phone over multiple days, placed multiple callback requests, and spoke with more than XXXX different representatives. None were able to explain why the wire request was ignored or resolve the issue. Despite explicitly requesting a written explanation, none was provided. After the wire failed, I requested to close my account and receive my funds by check. I was told a representative would contact me within XXXX hours. No one followed up, and my account was not closed. As of today, my funds remain inaccessible. Because I could not access my money, I incurred transaction-related financial damage, including fees from other transactions that could not be completed.
I am filing a complaint against XXXX XXXX for repeated mortgage servicing violations that have caused financial harm, inaccurate credit reporting, and improper delinquency status on my FHA-insured mortgage. I have consistently made my payments, including during two declared disasters, yet XXXX has mishandled my account and initiated foreclosure activity without justification. XXXX. Mishandling of Disaster-Related Loss Mitigation ( XXXX and XXXX ) After two federally declared disasters, I completed the required 3-month trial plans each time and brought the loan fully current, including making double payments. Instead of restoring my account, XXXX repeatedly attempted to push me into a 30-year refinance at an interest rate two points higher than my current FHA rate , despite no documentation of any missed payments. 2.…
In XX/XX/year>, XXXXXXXX XXXX approved me for a XXXX Recovery Standalone Partial Claim Trial Period Agreement with trial payments of {$810.00} due on XXXX, XXXX, and XXXX of 2025. Although the payments were made late each month, XXXX accepted and applied all three trial payments to my loan, and no notice was sent stating that late payments voided eligibility. On XX/XX/year>, I signed all required modification documents before a notary and sent the full package by XXXX Overnight XXXX XXXX Loss Mitigation Department. The package was delivered and signed for at XXXX facility on XX/XX/year>, Tracking # XXXX. I have proof of delivery and signature. Despite this, XXXX denied my modification and stated that my signed documents were not returned, even though the documents were delivered and accepted by XXXX facility. I requested clarification multiple times, including why the documents were marked as not received and why the accepted trial payments were not honored toward eligibility.…
Recent complaints
The 30 most recent complaints against Midfirst Bank where the consumer chose to publish their narrative.
I am filing a complaint regarding improper credit reporting and mishandling of my mortgage forbearance/repayment agreement. In XX/XX/year>, I contacted my mortgage company due to financial hardship following my XXXX XXXX XXXX and my husband being on XXXX. I specifically asked whether entering a forbearance would impact my credit, and I was clearly told it would not negatively affect my credit. I was placed into a 4-month forbearance, during which no payments were required. At the end of that period, I was instructed to resume payments for a trial period and was told that, after successful completion, the deferred payments would be moved to the end of my loan. I followed all instructions exactly. However, due to the company stating paperwork was received late, I was required to repeat the trial payment period. I again complied fully, made all required payments, and ultimately signed and notarized the final agreement sent by the company.…
On XX/XX/year>, the short sale for the homeowners FHA-insured mortgage was approved by FHA, as confirmed by both XXXX XXXX and FHA. However, as of today, XXXX XXXX has still failed to generate and issue the official short sale approval letter required to proceed with closing. According to XXXX XXXX, the approval letter is set to expire on XX/XX/year>, yet we have not even received the document to begin the closing process. Without the approval letter, title work, settlement coordination, and final closing steps can not move forward. We have repeatedly contacted XXXX XXXX and confirmed they do not need any additional documents or information from us. Despite that, nearly 20 days have passed since approval with no letter issued and no resolution provided.…
Complaint Against : XXXX XXXX ( MidFirst Bank ) Related Entity : XXXX XXXX ( XXXX XXXX ) Related Entity : U.S. Department of Housing and Urban Development ( HUD ) Subject : Inability to Validate HUD Partial Claim, Lack of Disclosure, and Imminent Financial Harm Due to Servicing Transfer Failures I am filing this complaint regarding a HUD Partial Claim exceeding {$100000.00} that has been placed on my property. I am currently in escrow with a scheduled closing this week, and this issue is preventing me from completing the sale and securing stable housing. Despite extensive efforts, I have been unable to obtain a basic itemized breakdown or supporting documentation for this debt. Key issues are as follows : Inability to Validate Debt : My current servicer, XXXX XXXX, has confirmed that due to a servicing transfer from XXXX XXXX, they do not have access to the detailed calculation or supporting documentation for the HUD Partial Claim.…
Dear Consumer Financial Protection Bureau, I am filing a complaint against my mortgage company, Midland Mortgage, regarding a COVID-related payment plan. During the pandemic, they offered me a temporary forbearance plan, and one of the key questions I asked at the time was whether, once the plan ended, my payments could be lowered. I was assured that this would be considered. However, once my forbearance plan ended, Midland denied me a modification and instead raised my payments to an amount that is no longer affordable for me. I have attached any supporting correspondence I have, and I request that the CFPB investigate this matter. I am seeking a fair adjustment of my payment terms. Thank you for your assistance. Sincerely, XXXX XXXX XXXX.
This complaint is NOT about credit reporting. This is a mortgage servicing issue involving unauthorized entry into an occupied property during the foreclosure process. I am the homeowner of the property located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. My mortgage is serviced by XXXX XXXX. I have repeatedly informed XXXX XXXX that the home is occupied. On XX/XX/year>, a contractor acting on behalf of XXXX XXXX entered my home without permission, changed the locks, and performed winterization procedures. At the time, the home was clearly occupied, with food, clothing, working utilities, and recent receipts present. After regaining access, it was discovered that toilets had been drained and are now not functioning properly. Cabinets were opened, blinds were left open, and lights were left on. These actions interfered with the use of the home and created unsafe and disruptive living conditions. I contacted XXXX XXXX to report the issue and request repairs.…
I am submitting this complaint as a follow-up to a prior CFPB complaint ( ID : XXXX ), which XXXXXXXX XXXX / MidFirst Bank closed with an explanation that is incomplete, unsupported, and fails to resolve specific account discrepancies. While the company claimed to have provided explanations, it did not provide transaction-level documentation necessary to verify the accuracy of my loan. The following specific issues remain unresolved : 1. Late Charge Accounting Errors The payment history shows UNCOLL LATE CHARGE reversals while a cumulative late charge balance continues to be maintained. The company did not provide a reconciliation showing how reversed charges remain in the balance or whether they were properly re-applied. 2. Unexplained Principal Applications Repeated ADDITIONAL PRINCIPAL entries ( e.g., {$140.00} ) appear without identification of the source of funds or borrower authorization. No documentation was provided showing where these funds originated. 3.…
Manufactured Default & Breach of Repayment Agreement 1. Sabotage of a Performing Repayment Plan XXXX Mortgage is utilizing unauthorized drafts and " suspense account '' traps to force a 7.2 % interest rate modification by unilaterally voiding a valid repayment plan designed to protect my 3.125 % fixed-rate agreement. In XX/XX/XXXX, I entered a specific repayment plan and successfully performed by making a payment of {$9100.00} ( attached below ). On XX/XX/XXXX, I instructed a XXXX agent to make the next plan payment. The agent drafted an unauthorized amount of {$8000.00} without confirming the suma violation of Regulation E. Despite this unauthorized " short '' draft, the agents internal log ( attached below ) explicitly states : " i adv that pmt will cover XX/XX/XXXX rpmt plan. '' XXXX then used this unauthorized draft as a pretext to cancel the repayment plan.…
I am submitting this complaint regarding the servicing of my FHA-insured mortgage loan by XXXX XXXX XXXX a division of MidFirst Bank XXXX XXXX # XXXX ). In XX/XX/XXXX, I entered into a COVID-related FHA loan modification. In XX/XX/XXXX, after experiencing renewed hardship, I was offered a Trial Payment Plan ( TPP ). I made one trial payment but was unable to continue due to financial difficulty and canceled the TPP. No permanent modification documents were executed in connection with that TPP, and no new Partial Claim was completed or recorded. On XX/XX/XXXX, I was advised by a XXXX XXXX representative via telephone to cancel my Trial Payment Plan and reapply for mortgage assistance, with the understanding that I would be re-evaluated for available options. I followed that guidance in good faith. However, after doing so, my application was denied. On XX/XX/XXXX and XX/XX/XXXX, I received Loss Mitigation Review Determination letters denying mortgage assistance.…
On XX/XX/scrub> 2026, I contacted XXXXXX/XX/XXXX ( servicer for MidFirst Bank ) to inquire about a possible forbearance option. During that call, I was not asked to submit any documents and did not state that I was unable to make payments. On XXXX XXXX, 2026, XXXXXX/XX/XXXX issued a loss mitigation denial stating that I indicated I could not resume or increase payments and referencing documentation submitted. This is inaccurate, as no documentation was requested or provided. On XX/XX/year>2026, I sent a Request for Information ( XXXX XXXX XXXX ), a Notice of Error ( XXXX XXXX XXXX ), and a formal appeal of the denial. XXXX XX/XX/XXXX sent automatic acknowledgments for the Request for Information and Notice of Error but has not provided any substantive response and has not acknowledged the appeal.…
I am a medically insolvent homeowner experiencing a documented, involuntary medical crisis with {$0.00} disposable income. I have never missed a payment. To avoid default, I took the following actions, and the company responded with the following violations : 1. ACTION TAKEN ( XXXX XXXX XXXX : I proactively mailed a Qualified Written Request ( QWR ) and Imminent Default Certification to Midland Mortgage 's designated legal address, proposing a 6-month Medical Bridge Forbearance of {$280.00} per month. 2. COMPANY ACTION ( Forced Default Misinformation ) : Prior to my written medical restriction, Midland representatives erroneously stated over the phone that I must miss three months of payments and be in active default before they could offer assistance. Forcing a consumer to intentionally accumulate 90 days of late fees as a " barrier to entry '' for help is an Abusive Practice under Dodd-Frank UDAAP standards. 3.…
I am in receipt of your response and respectfully disagree with your conclusion that the HAF funds and the loan modification addressed separate debts. Your response does not clearly identify what specific delinquency remained after the loan modification was finalized on XX/XX/XXXX. The loan modification was executed to resolve my existing arrears. Therefore, I am requesting a detailed explanation of what delinquency you are asserting still existed after XX/XX/XXXX that required the application of HAF funds. Additionally, records show that HAF payments began being disbursed in or around XX/XX/XXXX in consistent monthly amounts. However, I was previously informed by your representative ( recorded call ) that these funds were not fully applied until XX/XX/XXXX. Please explain : Why were HAF funds, received monthly beginning XX/XX/XXXX, not applied to my account as received? What was the justification for holding these funds for approximately 10 months?…
I am filing this complaint against MidFirst Bank regarding the repossession of my XXXX XXXX XXXX XXXX due to what I believe are unfair, commercially unreasonable, and potentially unlawful practices. * * Key points of my complaint : * * 1. * * Lack of Commercial Reasonableness : * * The vehicle was repossessed with significant mechanical issues ( coolant leak, overheating, and a faulty catalytic converter ) that were fully disclosed to the bank. Despite this, the bank intends to sell the vehicle at auction without repairs, which will likely result in a significantly lower auction value and an inflated deficiency balance. This raises concerns about whether the bank is acting in a commercially reasonable manner as required under the entity [ " law '', '' Oklahoma Uniform Commercial Code 12A-9-610 '' ]. 2.…
A Notice of Default was recorded on XX/XX/year>. Since that time, I have made multiple good faith efforts to resolve the default and avoid foreclosure, including requesting loan modification review and submitting a RESPA Notice of Error/Qualified Written RequestXXXX XXXX XXXX has repeatedly provided the same or substantially similar modification terms without addressing affordability concerns or providing a meaningful evaluation of my financial situation. The offers presented are not viable and do not appear to reflect a proper loss mitigation review. I requested a complete and accurate accounting of my loan, including escrow history and any HUD partial claim balance, as well as documentation supporting their modification decisions. These requests have not been adequately addressed. Despite active efforts to resolve the matter and ongoing requests for information, the loan continues to progress toward foreclosure without proper investigation or resolution of the issues raised.…
Hello, I need assistance with understanding options under the VA Home Loan Reform Act, passed last year. My home in XXXX XXXX went under forbearance during the XXXX shutdown because of lost revenue I had during that time. I was told at the time that missed payments would be consolidated to the end of the loan and I would restart payments at some point under my original terms. However, my lender never gave me these options and instead multiple times offered me terms that were much more expensive. I did get told there was a VA program, XXXX, that would assist and that they would apply for this program for me. However, again, over multiple years, they failed to put me under this program. Then the program expired in XXXX of XXXX XXXX at the President 's direction. Congress then passed the VA Home Loan Reform Act, whose terms would save my home and again allow me to pay back the loan at the original terms.…
To Whom It May Concern, I am requesting a federal review of my FHA mortgage servicing and the recent denial of my loss mitigation request with company XXXX XXXX a division of Midfirst Bank. My mortgage for my primary property was originated in XX/XX/XXXX. During the course of homeownership, my household experienced financial hardship which affected our ability to remain fully current on the loan. During this time, we communicated with our servicer and attempted to work through available assistance options in good faith. During prior assistance efforts, we were placed on a trial repayment plan. However, during this period the monthly mortgage obligation increased rather than decreased. This increase placed additional financial strain on our household and contributed to us falling further behind despite our attempts to remain compliant with the plan terms. In early XXXX, we submitted a request for mortgage assistance and loss mitigation review.…
I respectfully request that the Consumer Financial Protection Bureau review and investigate the mortgage servicing conduct of Midland Mortgage Company concerning the property located at XXXX XXXX XXXX XXXX XXXX XXXX. My complaint arises from a series of contradictory statements and servicing actions taken by XXXX XXXX that have prevented the proper repair of the property and created significant financial harm. Following hurricane damage to the property, insurance proceeds in the amount of approximately {$82000.00} were issued to facilitate the repair and restoration of the home. XXXX XXXX, acting as the mortgage servicer, took control of these insurance proceeds. XXXX has acknowledged that it released only a portion of the insurance funds and continues to withhold approximately {$31000.00} that was specifically intended to complete the repairs. At the same time, XXXX has stated that additional repair progress must occur before these funds can be released.…
I opened a savings account with VIO bank a division of MidFirst Bank in order to receive their good APY. The account was opened, then I received a notice that they closed the account. I contacted customer service by phone to ask why my account was closed since I have exceptional credit ( XXXX Score ), a lot of money to fund the account, and a lot of collateral. I did doublecheck my credit on the credit reporting agencies and also checked XXXX, there were NO negatives anywhere but since the bank would not tell me a reason I wasn't sure what to look for. I was told they couldn't tell me anything due to security other than it was closed due to business reasons. I received a phone call a couple of days later from XXXX at MidFirst bank and I asked why my account was declined, stating that I have a right to know under the FCRA. She said she could not give me any specific reason for declining my account. I opened an account with a different bank two days later.
XX/XX/XXXX called XXXX Mortgage to find out what documents lender needs to complete a short sale. Call center representative told me I needed to complete a 3rd party authorization for that information. XX/XX/XXXX called XXXX Mortgage was told my 3rd party authorization was rejected because it is not a XXXX Mortgage form and electronic signatures are not allowed. XX/XX/XXXX called XXXX Mortgage to check status of 3rd party authorization. It was received, but not reviewed. XX/XX/XXXX called XXXX Mortgage and was told I should be calling XXXX and not XXXX was told it's 30 days to review for short sale and a short sale application must be completed. This is the first time in 30 days and 4 communications that we are being told this is the most important step in the short sale process. XX/XX/XXXX called XXXX Mortgage and they still don't have authorization to speak to me. They can't tell my why my 3rd party authorization has not be approved.…
Subject : Unauthorized Disclosure of Foreclosure Documents to Third-Party Residential Address by Mortgage Servicer Agent Parties : Mortgage Servicer : MidFirst Bank Agent/Vendor XXXX XXXX ( foreclosure document processing ) Statement of Facts : I am the sole owner of a residential property in New Jersey that was subject to a foreclosure action. I have since resolved the matter and entered into a standalone loan modification with MidFirst Bank, my mortgage servicer. During the foreclosure process, MidFirst Bank 's agent, XXXX, sent foreclosure documents to my current address which was appropriate. However, XXXX also sent the same documents, on XXXX separate occasions, to a residential address in XXXX, Pennsylvania where I have not lived for approximately 25 years. That address is the home of my elderly mother, who has no ownership interest, financial interest, or legal connection to the New Jersey property in question.…
Since I first opened the XXXX XXXX account online back around XXXX, I noticed that the calculated interest amount was higher than what the bank calculated and deposited into my account. I inquired several times but every concern was explained away by the bank representatives. I switched to an online savings account in XXXX, but the problem persisted. When I express the issue to the bank representatives they continue to state excuses and explanations to explain the shortages but never calculate the specific details with me. I did see a small credit of about {$12.00} added in XX/XX/XXXX but thats minimal considering the multitude of times that my account was shorted the correct accrued interest.
This complaint is a resubmission of a previously filed complaint that was closed after I unknowingly replied to a no-response email address. I am requesting reopening and formal review of my mortgage servicing complaint related to my FHA XXXX ( XXXX ) loan. I obtained an FHA XXXX ( XXXX ) renovation mortgage originated by XXXX XXXX XXXX and currently serviced by XXXX XXXX. My complaint concerns mortgage servicing failures involving oversight and administration of the renovation escrow account, XXXX draw disbursements, and borrower protections required under FHA XXXX ( XXXX ) program guidelines. During the renovation process, funds were released to the XXXX despite significant incomplete work, unsafe construction conditions, and workmanship defects. I repeatedly raised concerns regarding construction quality, safety issues, and unfinished work ; however, I felt pressured to approve draw requests even when I was dissatisfied.…
Subject : Report of Forgery and Mortgage Fraud Involving HUD loan I am writing to report forgery and mortgage fraud involving a loan connected to a HUD insured mortgage by Midfirst Bank. My name has been used without my authorization in connection with loan documents, modification of loans, and/or related paperwork. Details : On XX/XX/XXXX my name was forged on a HUD modification loan to secure modification financing on a property I am a deed holder on. Furthermore, this modification was notarized by the sister of the accused person forging my name, and then faxed to Midfirst Bank and recorded by XXXX XXXX XXXX. I did not sign or authorize these documents and they were executed fraudulently. This issue has affected my legal and/or financial interest in the property, and I am willing to provide copies of any records, correspondence, or evidence supporting this report. I have reported this incident to MidFirst bankXXXX XXXX XXXX XXXX a division of MidFirst bank ) on XX/XX/XXXX.…
I am a XXXX XXXX XXXX veteran who has been XXXX with a XXXX XXXX called XXXX XXXX. My wife and I divorced because of the limits the XXXX put on my XXXX XXXX XXXX. She agreed to continue paying the mortgage for two years post divorce. She stopped paying almost immediately. The mortgage company removed her name from the mortgage and I am now solely responsible. That is when she stopped paying. I have asked the mortgage company to offer the partial claim process but they instead sent me a mortgage modification that more than doubled my interest rate and added 10 years to my mortgage. The VA is evaluating an increase in my XXXX XXXX due to the XXXX XXXX of my XXXX, which will allow me to comfortably afford my mortgage. They have not even asked. I communicate with them via email due to my XXXX for which I am rated 70 % alone, in addition to various other XXXX that excess 1XXXX XXXX.…
XX/XX/year> an online payment was made by checking account for {$700.00}. The amount was attempted on the wrong checking account so XX/XX/year>. Another payment for the same amount was scheduled. The deduction taken was {$640.00}. I spoke with a representative she explained the payment showed it was short {$27.00} and change so I paid her by the same checking account and confirmed it would be applied with that XXXX. That was in unposted fund. She assured me payment would post it was not. I called again another representative explained the XXXX plus change had had been posted incorrectly as a late fee and she entered a ticket which was supposed to be for the unapplied payment along with the money that was posted in error for the fee. She only sent a ticket for the {$27.00} and change to be moved. A representative called me regarding my payments we went through this whole spill.…
I have an FHA-insured mortgage serviced by XXXX XXXX XXXX MidFirst Bank XXXX XXXX I received a XXXX XXXX bankruptcy discharge on XX/XX/year>. After discharge, I sought to reinstate my loan and cure arrears without changing my original loan terms. My total past-due amount was approximately {$5700.00}. I proposed a reasonable repayment plan consisting of a {$3000.00} lump-sum payment followed by repayment of the remaining balance over 12 months, in addition to my regular monthly payment. XXXX XXXX denied my repayment plan and instead required me to accept a Combination Loan Modification and Partial Claim that would increase my interest rate from 3.125 % to approximately 6 % +, creating new long-term post-bankruptcy debt. I have repeatedly stated in writing that I do not consent to a loan modification that increases my interest rate and that I am requesting a repayment option only.…
My brother died a year ago, and I had did a XXXX of mortgage for our home. I had a hardship. I continue to have a hardship with trying to get on track with the mortgage and pay off the XXXX in our bills. I applied for a modification, and I was approved. I had to submit a notarized document. My mortgage company kept rejecting the document with small discrepancies.They said we're on the notarized document. I called, and I spoke to a representative, and she said, you have time. My mortgage company closed out my application.Even with me calling and getting more time. They had several complaints about the notorize requirements They told me that they denied my application on XXXX.…
Back in XX/XX/year> I filled out an application for a defective car for XXXX and was redeemed successful because of vehicle history. XXXX month later I was incarcerated and the perpetrator stole my mail and claimed the earning and cashed out at MidFirst Bank in XXXX XXXX tellers are denying hosting accounts under my name and bank owners won't space time for conversation. Upon opening up a new account at MidFirst Bank in XXXX where I reside the bank has issued numerous debit cards to XXXX under my name based on rumor going around town and my name being center of attention. I have seen that there is an account under the name XXXX which is my old account and my new account and tellers denied hosting that account
MidFirst Bank foreclosed on my property without the production of any/all original documents. I was denied civilian due process and the trial court judge signed a summary judgement for possession denying my right to a trial and due process of law. Demand for Discovery and Accounting, pursuant to the inherent jurisdiction of equity over trusts and fiduciaries, MidFirst Bank is hereby compelled to produce the required original wet-ink instruments and documents for inspection. XXXX. The original wet-ink promissory note/allonge and any endorsements. XXXX. The full chain of assignments of any mortgage or deed of trust related to the res. XXXX. All securitization Records, including trust, pulling agreements, certificates, and valid assignments. XXXX. All credits, payments, insurance proceeds, validation of debt and derivative recoveries applied against the alleged obligation. XXXX.…
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone : XXXX Email : XXXX Loan Number : XXXX CFPB Case Numbers : XXXX / XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau Via CFPB Portal Re : Response to Midland Mortgage CFPB Submission Dear Sir or Madam, I am submitting this follow-up because Midland Mortgage did not respond to the specific issues raised in my prior rebuttal. Instead of addressing my concerns, Midland simply re-sent its XX/XX/XXXX response verbatim, without providing any new explanation or clarification. To date, Midland has still failed to address the following points : The unexplained discrepancy between the originally stated fee balance of {$3000.00} and the later claim that bankruptcy-related attorney fees total {$1400.00}. No explanation has been provided as to where the remaining amount came from or why the figures changed.…
I submit this complaint against XXXX XXXX, a division of MidFirst Bank, regarding serious mortgage servicing violations involving Mortgage Loan No. XXXX. This complaint is based on XXXX own transaction history and payoff statement, which demonstrate material accounting failures, opaque ledger practices, and internal contradictions resulting in {$100000.00} in borrower funds being received but not properly applied. I. DOCUMENTS SUPPORTING THIS COMPLAINT This complaint relies on the following XXXXgenerated records : - Exhibit A Transaction History Shows multiple payments placed into unapplied, held, or suspense categories without explanation or reconciliation. - Exhibit B Payoff Statement dated XX/XX/year> Reflects a payoff amount and unpaid principal balance that do not credit or account for the {$100000.00} reflected as held or unused funds. These documents contradict each other and establish recordkeeping failures under Regulation X. XXXX.…
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