Consumer complaint received 2020-09-23
Company: MIDFIRST BANK
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
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.

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