Consumer complaint received 2023-12-06
Company: MIDFIRST BANK
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation