Midfirst Bank

I was in a XXXX XXXX and XXXX was taking payments and putting them into an " unapplied '' fund but then reporting me as late. They had {$6400.00} in this account when my XXXX XXXX was done as shown on my XX/XX/XXXX statement. On a recorded call XX/XX/XXXX at XXXX we talked for an XXXX and a XXXX on getting those funds out of unapplied. They told me not to pay XXXX and XXXX and only pay XXXX for XXXX and they would take the funds from unapplied. ( remember this was recorded ). In XXXX they did what they said and moved some of the unapplied funds to my account. In XXXX they reported me late again. I called back on XX/XX/XXXX and XX/XX/XXXX. Again they told me not to make monthly payments ( agent XXXX ) but I made XXXX 's payment anyway. They also told me XX/XX/XXXX that those fees were being held for attorney fees. I paid attorney fees with my tax refund on XX/XX/XXXX.…

I am filing this complaint because my mortgage servicer, XXXX XXXX, is denying me access to FHA loss mitigation options based on a misapplication of HUD guidelines. I was recently on an FHA Trial Payment Plan ( TPP ). Due to an unexpected banking issue, a trial payment made at the end of the month was returned for insufficient funds ( NSF ). The servicer canceled the trial plan but failed to notify me of the rejected payment or the plan cancellation until after the trial month had fully passed, denying me a timely opportunity to cure the administrative issue. Furthermore, the servicers loss mitigation department stated that per " FHA guidelines, '' I am completely barred and disqualified from applying or qualifying for another loan modification for a full calendar year. This statement directly violates HUD Single Family Housing Policy Handbook 4000.1. Under FHA loss mitigation guidelines, a failed or unexecuted trial payment plan does not trigger a multi-year lockout restriction.…

On XX/XX/XXXX I sold my home to another veteran. The veteran assumed my VA loan with their VA loan. All of the paperwork was completed and submitted to XXXX Mortgage. However, XXXX failed to file the XXXX XXXX XXXX with the VA. The VA believes I am still responsible for this loan. Because of this I am unable to use my VA loan at the moment to purchase a new home. I reached out to XXXX XX/XX/XXXX. They have been unable to locate and submit the VA XXXX paperwork to the VA because of the duration of time since the sale of my home in XXXX of XXXX. This has the potential to keep me from being able to purchase this house if XXXX isn't able to fulfill their obligation and submit the paperwork to the VA as required.

This house was mothers she has passed away, I need time for probate to get everything switched in my name. I have a way to pay the mortgage, when my mother first died my uncle tried to pay off the loan and they were not taking payment and refused payment. So my loan could of been paid off but they wouldn't accept any payments, so how can they for close

XXXX XXXX online banking called VIO has an app which quit working with Apples recent XXXX update. Ive called customer service repeatedly to request info on contacting the developer myself or for them to contact the developer. Their XXXX party app is accessed through the XXXX XXXX. XXXX XXXX. XXXX XXXX has spent hours certifying the problem must be rectified by the developer.

I am submitting a complaint regarding MidFirst Bank due to ongoing issues with account management, customer service failures, and concerns about improper handling of my financial information. I have experienced repeated problems with this institution, including : * Incorrect account setup that resulted in loss of access to services such as XXXX for over five weeks * The need to open additional accounts due to errors made by bank staff * Difficulty obtaining accurate information or timely resolution through normal customer service channels On XX/XX/XXXX, I was informed that all required documentation had been received and that my account issues had been resolved. However, I later received a notice requesting additional documentation and warning of possible account closure if not provided. This was unexpected and inconsistent with prior communication. I am also concerned about the handling of my account information.…

I am disputing inaccurate mortgage account status information being furnished by Midland Mortgage XXXX MidFirst Bank regarding my FHA mortgage loan. Midland Mortgage approved and completed a XXXX Partial Claim and mortgage assistance plan that brought my mortgage loan current. Following completion of the assistance plan, Midland Mortgage notified me that my FHA mortgage had been brought current. Despite this, XXXX is currently reporting my mortgage account as 180 days past due and reporting a {$17000.00} past-due balance. XXXX and XXXX both report the same mortgage account with a {$0.00} past-due balance and a current payment status. Because the same account is being reported differently among the nationwide consumer reporting agencies, I dispute the accuracy, completeness, and consistency of the information being furnished regarding this account.…

Mid First Bank and XXXX XXXX XXXX XXXX XXXX XXXX violated federal rules by foreclosing on my home while a loan modification was active. * XX/XX/XXXX : I accepted Mid First Bank 's XXXX page loan modification offer. I noticed the papers and mailed them back with payment. * paperwork Errors : The bank asked me to fix minor notary initialization formats, I cooperated and fixed them immediately. XX/XX/XXXX : Attorney XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) from XXXX XXXX XXXX rejected my payment.They said the tall-end mortgage terms were no longer acceptable. * The Harm : The bank kept my money locked up for nearly XXXX weeks. I could not use it to save my home. XX/XX/XXXX : The bank held a Sheriff 's Sale anyway, ignoring my active modification. Hidden Deed : The bank held the Sheriff 's Deed unrecorded for awhile year. they finally recorded it XXXX XX/XX/XXXX, to hide this violation. * Current Emergency : The house was sold to a buyer ( XXXX XXXX ).…

Dear [ Recipient Name ], I am writing to formally lodge a complaint against XXXX XXXX regarding the unfair treatment and processing of my loan modification applications. My initial attempt to modify my loan was met with repeated rejections of notarized documents, despite my efforts to comply with customer service guidance. Although I was assured by your representatives that I had sufficient time to submit the paperwork, the modification was closed a week early. My request for a review was subsequently denied due to this timing discrepancy. I recently reapplied for a second modification, which was approved. During this period, my home was placed into foreclosure. I was explicitly told by your staff that the foreclosure would be reversed and that no further action was required on my part. However, on XX/XX/XXXX, I was informed that the modification was reversed and denied, and foreclosure proceedings have resumed.…

I requested that the mortgage servicer continue processing the XXXX XXXX request for the estate property without requiring me to complete a loan assumption package. I explained that I am acting solely in my capacity as XXXX Representative of the deceased borrowers estate and am not seeking to personally assume the mortgage loan. Despite this, the servicer has continued requesting assumption-related documentation and has not clearly explained why this is required for a short sale review. As a result, the short sale process appears to be delayed while the property remains in active foreclosure. I requested clarification regarding the servicing requirements and asked that the short sale review proceed without conditioning the process on a personal loan assumption.

COMPLAINT AGAINST : XXXX Mortgage XXXX MidFirst Bank XXXX NUMBER : XXXX XXXX SUMMARY OF EMERGENCY ESCALATION This is an emergency administrative complaint filed pursuant to the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2605, and 12 CFR 1024.38 ( Data Integrity rules ). This filing is triggered by newly discovered physical evidence of material fraud, data fabrication, a gross case of mistaken identity in state court records, and a flagrant abuse of the federal error-resolution process. To establish the strict chronology : On XX/XX/XXXX, I filed a CFPB complaint and simultaneously dispatched a formal statutory Notice of Error ( NOE ) to the servicer via certified mail. The CFPB closed that specific administrative file on XX/XX/XXXX.…

Prior to the servicing transfer from XXXX to Midland Mortgage, I had entered into an FHA Standalone Partial Claim Trial Period Plan with XXXX due to a medical hardship. The trial payment plan began with the XXXX payment due on XX/XX/year> and was scheduled to continue through the final payment due on XX/XX/year>. While this FHA loss mitigation process was still active, servicing of the loan was transferred to Midland Mortgage effective XX/XX/year>. I had made the XXXX and XXXX payments on time and when I went to the chase payment portal to make my last payment it was no longer available. I was unaware the loan was transferred, I was directed by XXXX to make all of the payments with them, I didn't receive any information on who and where to send the last payment or the fact my mortgage was sold. It took time to find the information on who to make the payment to. During this transition period the XXXX trial payment was allegedly late.…

Issue : Misapplied payments, improper handling of forbearance, and failure to correct account errors. I am filing this complaint because my mortgage servicer has mishandled my forbearance, misapplied my payments, and failed to correct my account despite multiple attempts to resolve the issue. As a result, my XX/XX/XXXX payment is still showing as due, but my payment is being held in unapplied funds, and I am now at risk of being reported XXXX days delinquent even though I have made all required payments. Details : In XX/XX/XXXX, I requested a mortgage forbearance. I was approved for a forbearance effective XX/XX/XXXX through XX/XX/XXXX, with payments scheduled to resume in XX/XX/XXXX. In XX/XX/XXXX, I informed the servicer per their request that I no longer needed the forbearance for XXXX or XXXX and only needed it for XXXX. Because XXXX was the only month I kept in forbearance, my XXXX payment posted in XXXX, which is consistent with how forbearance payments are handled.…

RE : Complaint AgainsXXXX XXXX XXXX Mortgage Servicing Misconduct, Inadequate Disclosure, and Loss Mitigation Concerns To Whom It May Concern : I am submitting this complaint regarding the servicing and loss mitigation handling of my FHA-backed mortgage loan by XXXX XXXX during and immediately following a XXXX XXXX XXXX. From XX/XX/XXXX through XXXX XXXX I suffered a severe multi-system medical XXXX involving XXXX XXXX XXXX XXXX XXXX transport, prolonged XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. During this period, I lacked the functional ability to reasonably manage complex financial and legal affairs. Upon partial recovery, I learned my mortgage servicing had transferred from XXXX to XXXX XXXX and that my home was facing foreclosure risk. I repeatedly informed XXXX representatives that my objective was to save my home and bring my mortgage current.…

In XXXX, representatives from XXXX XXXX explicitly instructed the borrower not to submit the regular monthly mortgage payments for XXXX and XXXX, citing an administrative account transition. Following these exact corporate instructions, the borrower paused payments for those two months. When the administrative transition settled, XXXXXXXX XXXX XXXX automated system resumed drafting monthly mortgage payments directly from the borrower 's bank account. However, an accounting discrepancy occurred regarding the monthly payment thresholds : On XX/XX/XXXX, XXXX drafted the original payment amount of {$1100.00}. On XX/XX/XXXX, XXXX drafted a reduced amount of {$980.00}. On XX/XX/XXXX, XXXX drafted {$980.00}. On XX/XX/XXXX, XXXX drafted {$980.00}. On XX/XX/XXXX, XXXX drafted {$980.00}. Bank statement records show that all of these automatic drafts successfully cleared the borrower 's bank account.…

Complaint Summary : MidFirst Bank denied my application for a savings account but failed to provide the legally required adverseaction notice under FCRA 615 ( a ) and the reason for denial under ECOA/Regulation B. I submitted multiple written requests, including a final notice on XX/XX/year>, and received no response. Details : I applied for a savings account through Vio Bank ( a division of MidFirst Bank ). The application was denied, but I did not receive any adverseaction notice or explanation. On XX/XX/year>, I submitted a written request asking MidFirst Bank to provide the reason for the denial and the required adverseaction disclosures. I received no response. I contacted the assigned supervisor, XXXX XXXX XXXX ( XXXX Supervisor, MidFirst Bank ), multiple times by phone. All calls went to voicemail and were never returned. On XX/XX/year>, I sent a final written notice to XXXX XXXX.…

XXXXXXXX XXXX has confirmed me as the successor in interest, and I provided the death certificate and the probate court order that legally transferred title to me. Despite this, XXXX refuses to send the assumption packet and keeps demanding an executors deed, which does not exist because the court order itself transfers title. For months, XXXX has delayed the assumption process and blocked me from applying for loss mitigation, even though Regulation X requires servicers to treat confirmed successors as borrowers and provide access to loss mitigation options. Because of XXXX refusal to process the assumption or provide the packet, the loan is now delinquent and at risk of foreclosure. I am requesting that the CFPB require XXXX to : Stop demanding an executors deed, Immediately provide the assumption packet, Process both the assumption and loss mitigation applications, and Pause foreclosure activity during review.

I am an approved successor in interest on a mortgage serviced by XXXX XXXXMidFirst Bank XXXX I am the sole owner on the deed. XXXX formally approved my successor in interest status but continues to deny all loss mitigation assistance based on the prior borrowers default history and previous assistance plans. I am a separate individual and should not be held responsible for the prior borrowers history. XXXX is also refusing to allow me to assume the loan citing the past due balance of approximately XXXX months as the reason for denial. I have been consistently making current monthly payments and my financial situation has significantly improved since XX/XX/year>. I believe XXXX XXXX is violating : CFPB Regulation X mortgage servicing rules Federal successor in interest protections RESPA servicing guidelines A previous CFPB complaint was filed and closed without adequate resolution.…

I am submitting this complaint against my mortgage servicer for blocking me from applying for loss mitigation assistance on my FHA-insured loan. I am currently behind on my mortgage payments and am not yet in foreclosure. On XX/XX/year>, I contacted my servicer to apply for loss mitigation assistance. I was told by a representative that I am blocked from applying for XXXX years. No written documentation or legal basis was provided for this restriction. I previously entered into a XXXX XXXX XXXX ( XXXX ) with this servicer, which I did not successfully complete. However, no loss mitigation option was ever formally executed on my account. The servicer is citing a XXXX-year restriction despite the fact that no modification, partial claim, or other loss mitigation option was ever completed. This appears to violate HUD Mortgagee Letter XXXX, which states that under no circumstances shall a mortgagee block a borrower from being considered or approved for a loss mitigation option.…

I have been struggling with my mortgage over the last few years. I have attempted to get the monthly re-configured to no avail. XXXX XXXX claimed in the past that they would setup the mortgage and make it more affordable or that they would restructure it. To this date, the mortgage has ballooned. Now, while trying to get in contact with key people within the company has failed on deaf ears. I feel like I have no support at all. I could unfortunately lose my property. I have been continually sending email correspondence. I thank you.... XXXX ( XXXX XXXX XXXX )

The closing attorney ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA ) and I, both requested a payoff statement from XXXX XXXX, A Division of Midfirst Bank, more than 10 days before scheduled closing on XX/XX/year>. We did not receive it and closing had to be rescheduled for XX/XX/year>. We made a second request for payoff statement on XX/XX/year>. I received an expired closing statement entered XX/XX/year> with an expiration date of XX/XX/year>, on XX/XX/year>. The closing attorney has delayed the 2nd closing scheduled for XX/XX/year>, due to no updated payoff statement by my mortgage company.

I have been working with XXXX XXXXMidFirst Bank regarding FHA mortgage assistance because the payment being offered through the FHA Trial Modification and Partial Claim Combo is not affordable for my household financial circumstances. I have submitted multiple reconsideration requests and escalation attempts explaining that I can not truthfully sign the affordability attestation for a monthly payment exceeding {$4400.00}. Despite this, I continue receiving the same automated modification offer and repeated requests to sign the attestation instead of receiving a meaningful affordability review. I have requested review for all available FHA home retention options that may provide a sustainable and affordable monthly payment. However, I continue receiving automated responses without explanation as to why the affordability concerns I raised are not being addressed. I am attempting to retain my home and cooperate fully with the process.…

I am respectfully requesting that my mortgage company XXXX mortgage reconsider my loan modification application. In XX/XX/XXXX, I applied for a loan modification and was approved for a three-month trial modification. My first trial payment was due in XX/XX/XXXX, and I made that payment on time. On XX/XX/XXXX, I was XXXX XXXX XXXXXXXX due to the federal government shutdown. During this period, I did not receive a paycheck, which caused me to miss my next trial modification payment. This was a temporary hardship that was completely outside of my control. I returned to work in XX/XX/XXXX and have since resumed receiving my regular salary as well as back pay. My income is now stable, and I am fully able to make my monthly mortgage payments going forward. After the missed trial payment, my loan was returned to its original status, and the past-due balance increased to approximately {$28000.00}.…

During the COVID-19 pandemic, I was offered a temporary forbearance plan by XXXX XXXX XXXX I requested that, once the plan ended, my payments would be lowered or kept at their original amount. Instead, XXXX approved a modification, but failed to disclose that my interest rate would spike from 3.125 % to 7.25 %. This sudden jump would make my payments unaffordable, and Im now being pressured to sign the agreement within a few days, despite these unfair terms. I have no one to support me, and I fear this will push me toward foreclosure.

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.…

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.…