Midfirst Bank

EMERGENCY CFPB COMPLAINT : UNLAWFUL DUAL-TRACKING & IMMINENT EXTRAJUDICIAL FORECLOSURE XXXX. XX/XX/XXXX & Scheduled Sale Date : On XX/XX/XXXX, Servicer Midland Mortgage ( a division of MidFirst Bank ) issued a formal Notice of Trustee Sale setting an extrajudicial foreclosure auction for XX/XX/XXXX. XXXX. Violations of RESPA ( XXXX C.F.R. XXXX ) & FDCPA ( XXXX U.S.C. XXXX ) : XXXX Midland Mortgage is engaged in unlawful dual-tracking by actively advancing non-judicial foreclosure execution while loss mitigation requests, reinstatement verifications, and servicing disputes remain active. On XX/XX/XXXX, following protected disclosures, Midland completely revoked secure online account portal access. This arbitrary digital lockout stripped away the primary, XXXX written method for reviewing loss mitigation statements, verifying payoff balances, and communicating in writing. XXXX.…

This is related to a previously submitted CFPB complaint # XXXX. The last complaint was closed before I was able to respond. Here are my questions for the servicer : 1. The interest rate dropped from 7.380 % to 6.750 %, why when the national market rate around late XX/XX/XXXX2025 was roughly 6.26.3 %.? 2. Why did my loan jump from 30 to 40 years with not much difference in the monthly payment? I'll check with assessors office and insurance 3, Why was a second modification needed on XX/XX/XXXX, when one had already occurred on XX/XX/XXXX? 4. Did Midland give me all of the options that I have via the Veteran 's Administration ( what was missed? ). Please list what options were given and which ones were missed. Can Midland provide the following : - An itemized explanation of the {$12000.00} principal increase. - The worksheet showing how the 6.75 % interest rate was calculated. - The complete amortization schedule for each modification.…

Summary : I am filing this complaint regarding XXXX XXXX handling of my insurance loss draft claim. What should have been a straightforward disbursement process has instead become nearly a month of delays, contradictory information, poor communication, lost records, system failures, and repeated administrative mistakes that have significantly delayed repairs to my home. After spending nearly a year fighting with my insurance carrier to obtain the funds necessary to repair my home following a catastrophic loss, XXXX has become the primary obstacle preventing those repairs from moving forward. Every month these repairs are delayed costs me approximately {$6300.00} in additional housing and related expenses. This complaint is not based on a single mistake. It is based on a continuing pattern of negligence, poor administration, and failure to properly manage insurance proceeds.…

This is an urgent supplement to my previous complaint filed - regarding FHA XXXX XXXX. Today, XX/XX/year>, my XXXX housing XXXX spoke with a supervisor at XXXX Mortgage XXXX The supervisor explicitly refused all XXXX hardship options and verbally threatened that if the second trial payment is not made in full by XX/XX/year>, the file will instantly move into default and foreclosure. This verbal threat completely contradicts XXXX XXXXoreclosure protection rules for borrowers with documented temporary hardships.

I am filing a complaint against XXXX XXXX for failing to respond to time-sensitive loss mitigation inquiries regarding my FHA Trial Payment Plan ( TPP ). On XX/XX/year>, I submitted a formal request to XXXX XXXX 's Loss Mitigation Department due to a temporary cash shortage caused by a one-time emergency car repair. My regular income remains stable. To keep my loan modification on track, I provided a dated, itemized auto repair invoice as proof of hardship and cc 'd my XXXXcertified housing counselor. I proposed FHA-compliant options ( partial payment, trial extension, or FHA Standalone Partial Claim ) to address Month 2 of my trial plan, which is due on or before XX/XX/year>. Following that request, I sent a critical follow-up communication to XXXX XXXX regarding the Borrower Attestation Form they requested.…

To Whom It May Concern : Please accept this letter as a formal Notice of Error pursuant to Real Estate Settlement Procedures Act ( RESPA ) Regulation X, 12 C.F.R. 1024.35.I am writing to formally dispute the recent denial of my loss mitigation application. My account is currently approximately 7 months past due with total arrears of roughly {$17000.00}. MidFirst Bank XXXX Incorrect Use of Automated Prior Plan Limits : MidFirsts denial letter dated XX/XX/year> states that I am non-approved because my loan 'exceeded the limit for defaulted trial plans. ' Under FHA/HUD Single Family Housing Policy guidelines , a prior trial plan issue does not permanently strip a borrower of their right to a manual underwrite. Because my income is verified and fully capable of maintaining the current monthly payment, MidFirst is required to review my file manually for a standard capitalization modification rather than relying on a generic, automated system rejection.…

In 2019, Midland Mortgage instructed me to deliberately skip XXXX payments to qualify for FHA XXXX relief. They subsequently executed an FHA XXXX Deed of Trust ( Partial Claim ). The total of my XXXX missed monthly payments was approximately {$2000.00}. However, Midland Mortgage has attached a balance of {$52000.00} to the back end of my loan via this subordinate XXXX. This calculation violates FHA XXXX XXXX guidelines under HUD Mortgagee Letters, as the servicer is only permitted to claim actual arrearages ( XXXXI ) and allowed legal costs. I am requesting an immediate federal audit of MidFirst BankXXXX XXXX XXXX XXXXXXXX of this FHA Partial XXXX XXXX

XXXX XXXX XXXX have a mortgage with Midland Mortgage they got my loan threw XXXX XXXX at the time when Midland got my loan I was going threw a modification to get my payment lowered XXXX XXXX said to be XXXX to do that I had to report to FHA I had a XXXX payment I was stupid and I did because I am on XXXX and XXXX XXXX had my mortgage payment up to XXXX a month and while going threw the modification they sold my loan to Midland mortgage Midland finished out the modifaction I followed and did everything midland ask of me I have never missed a payment with midland they reported back on my credit report I did back in XXXX of 2025 I missed XXXX payment which is wrong I can prove threw my bank XXXX Bank I have never missed any payments with them I called the FHA and turned XXXX XXXX in for fraud for this but I need Midland to remove that from my credit report asap they are causing me all kinds of problems by not fixing this I just received a letter from them stating they will not fix it if…

My income reduction to {$1400.00} is temporary until XXXX, when my employment with the school district regroups with full hours and overtime. XXXXXXXX XXXX is refusing to offer me a short-term FHA Special Forbearance or adjust my timeline, and is instead threatening foreclosure within 30 days based on an unsigned XX/XX/XXXX plan. This violates HUD servicing guidelines for seasonal and school-system employees facing temporary income fluctuations.

XXXX Summary This complaint is filed against Vio Bank ( a division of MidFirst Bank ) for deceptive practices, inconsistent statements, failure to process valid payment transfers, lack of timely communication, and retaliatory account closure. Vio Bank consistently rejected authorized automatic payments to my mortgage company, XXXX Mortgage, despite having a sufficient account balance. After a Vio Bank representative initially confirmed my balance was sufficient, management pivoted and contradicted this fact, leading to late fees. When I formally challenged these discrepancies and requested cooperation, the bank abruptly closed all my accounts without prior notice or consent, leaving my active autopays disrupted and placing me in severe financial jeopardy. Detailed Timeline and Description of Events XXXX.…

I started communicating with XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX to start an assumption of my mortgage on the property in which I live. XXXX XXXX XXXX, XXXX, Indiana XXXX. Loan number XXXX The reason for doing so is because I was divorced on XX/XX/XXXX of XXXX and the divorce agreement states that I am entitled to the property and I have 180 days ( until XX/XX/XXXX ) to get the mortgage in my name and remove my ex-wife from the property and any claim of the property. XXXX XXXX are continually bottle necking the process by only sending reply by letter which can take up to 9 days, I have been informed this is a known tactic and not legal. The latest letter stated that they need to delay the process by 15 days for further investigation due to ... and then gave no reason, this is for sure illegal and I was prompted to fill in this form immediately and consult the court and presiding judge because under XXXX XXXX and RESPA there is a case for negligence.…

To Whom It May Concern, I am writing to file a formal complaint regarding my MidFirst Bank account and the lack of assistance I have received in regaining access to my funds. For over three days, I have been unable to access my account or my money. During this time, I have gone to the bank multiple times in person seeking help, but no one has provided a clear explanation, resolution, or meaningful assistance. This has caused me serious inconvenience and concern, as I depend on access to my funds for my personal financial obligations. I am requesting that MidFirst Bank immediately review this matter, restore access to my account and funds, and provide a written explanation as to why my account access was restricted. I also request a clear timeline for resolution and the name of a representative who will be responsible for handling my complaint. Please contact me as soon as possible with an update. Sincerely, XXXX XXXX

I am filing a formal complaint regarding MidFirst Banks handling of my accounts, including improper account closure procedures, post-closure fees, unauthorized removal of funds, and potential retaliatory actions. I previously filed a banking complaint regarding issues with my account. Shortly after that complaint, on XX/XX/year>, I received written notice from MidFirst Bank stating that they were exercising their right to close all of my accounts pursuant to their account agreement. I was informed that my accounts would be closed and that I would no longer have access. After the stated closure date of XX/XX/year>, the following actions occurred : A {$5.00} statement fee was charged to an account that had already been closed. An overdraft was generated on that same closed account. I received a statement dated XX/XX/year>, for an account that should have been inactive.…

To Whom It May Concern, I am writing to formally request your assistance in resolving a long-standing issue regarding late payment reporting on my mortgage account that I believe resulted from an error during a payment date change request several years ago. At that time, I contacted Midland Mortgage customer service and requested that my monthly mortgage payment due date be changed from the XXXX of each month to the XXXX of each month. My understanding was that this change would take effect immediately with the upcoming payment cycle. Unfortunately, it appears that the change was instead implemented beginning with the following month rather than the current month, resulting in the initial payment not being drafted as expected. As a consequence, my account reflected a missed payment that subsequently rolled forward and resulted in consecutive late payment reporting for approximately XXXX years.…

Dear CFPB My name is XXXX XXXX, I am customer of XXXX XXXX XXXXXXXX. I am filing a complaint against XXXX XXXX XXXXXXXX : Reason : I was on loan modification program trial-period for XXXX months ( XXXX, XXXX and XXXX ). When I scheduled my last payment, the bank made a mistake and did not clear my final payment which made XXXX XXXX to deny my loan modification application and placed a foreclosure on my property. When I visited the bank, I was told that my account had many transactions and system did not complete my mortgage transaction of {$1800.00}. I have written to XXXX, sent them all banks transactions, and called on many our occasions, but they have refused to accept request. Therefore, I am asking to please investigate the transaction between XXXX mortgage and XXXX XXXX XXXXXXXX on XX/XX/year>. I have all the bank 's transactions to support my case. I thank you for your cooperation. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX

I recently deposited a {$27000.00} check from XXXX to my Midfirst savings account last Thursday ( XXXX ). The bank manager ( XXXX XXXX XXXX told me that I would have only partial access to my funds ( approx XXXX ) on XXXX ( today ), but the remainder is on hold until XX/XX/year>. He told me the computer placed this hold since my savings only had less than {$1200.00} and the hold was triggered, even though I am holding a XXXX CD worth over {$35000.00}. He did not offer to override. He also told that I do not have access to interest until XX/XX/year>, even though the check should have cleared the Fed on your side. Although the account pays minimal interest, it is the principle of being told incorrectly that they are keeping the interest. I know this is more of a customer service issue, however I think it is against the law to keep interest once it has cleared on their end. Certainly not for XXXX weeks

I am filing this complaint because my mortgage servicer improperly denied reinstatement of my mortgage assistance trial plan despite my compliance with the payment requirements. The servicer claims that one of my trial payments was made after the payment deadline. However, the payment was submitted on XXXX, XX/XX/XXXX, a weekday, at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). The servicer 's published payment policy states that only payments made after XXXXXXXX XXXX XXXX XXXX on weekdays are processed the next business day. Because my payment was submitted XXXX minutes before the stated cutoff, it complied with the servicer 's published policy and should have been treated as timely.…

I am requesting CFPB assistance with MidFirst Bank XXXX XXXXXXXX XXXX regarding mortgage servicing, loss mitigation, partial claim accounting, force-placed insurance, title/ownership review, and failure to provide a clear explanation of the basis for their servicing decisions. I dispute the servicing and loss-mitigation handling of my mortgage account. I requested to be evaluated for all available programs, including modification, partial claim, HUD-related assistance, and any other foreclosure-prevention or home-retention options. I do not believe I was properly evaluated. I need a full written explanation of every program considered, every program denied, the exact reason for denial, and what documents or financial calculations were relied upon.…

When I logged into my MidFirst account, I discovered my savings account was empty. A sum of {$350.00} was withdrawn on XX/XX/XXXX, which I don't understand, especially since my account was locked. I had previously filed a complaint about this and requested a refund for the stolen money, but instead, I just received a new card and had my old one locked.

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.…

I received a notice in XX/XX/year> stating that effective XX/XX/year> my Mortage would decrease due to {$1000.00} I noticed that it never decreased. Ive contacted XXXX XXXX over 5 times since the error and they said that it would be corrected to the {$1000.00}. Its now XX/XX/year> and the amount still is incorrect Ive called and spoken with atleast 10 different representatives and escrow reps only to be told oh someone is going to be giving you a call and I never receive a call. This is now effecting my credit causing late payments and credit score dropping drastically. This is unfair to me as a person, homeowner and consumer. Something needs to be done. XXXX XXXX should not be allowed to ruin consumers lives like this.

I dispute XXXX XXXX response and request further review. XXXX states that income and expenses were not part of the payment assistance review, but I was previously advised that I was denied because I could not afford the mortgage. I request that XXXX explain this inconsistency in writing. I also request a complete breakdown of every FHA loss mitigation option reviewed, including Repayment Plan, Forbearance, Standalone Partial Claim, Standalone Loan Modification, Combination Loan Modification and Partial Claim, and Payment Supplement. For each option, please identify the specific FHA guideline used to deny me. My missed trial payment was caused by an involuntary federal government shutdown/furlough, not unwillingness to pay. I made the first trial payment and returned to work with income. I request escalation to FHA/HUD for review of whether any exception, repayment arrangement, foreclosure pause, or alternative retention option is available.…

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.

I had applied for help to get my mortgage back on track. I was on a Trial plan I was doing a great job on the trial plan except for XXXX. Payment did not get paid. I had contacted you guys to make the payment out of two bank accounts because I had a bill come out of my bank account. It was not able to pull it out of the same bank account I contacted you guys on the phone and I gave you both account and routing numbers. I had received a letter in the mail stating that the payment was declined from my bank and that it was not taken out of the bank. Well I had contacted my bank. Theyre not able to give me any sort of letter because a transaction never happened, but I have a screenshots that Im going to attach to the email to show that there was no record of you guys even trying to charge the bank account for that funds. The money was in the bank at that time.…

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.…