Consumer complaint received 2023-12-31
Company: MIDFIRST BANK
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
I SPECIFICALLY REQUESTED THESE DOCUMENTS BELOW AND WAS IGNORED AND SENT THE SAME OLD COPY OF DOCUMENTS THAT I SOLELY SIGNED. I AM REQUESTING SPECIFIC DOCUMENTS AND THEY ARE LISTED BELOW : 1. The mortgage contract is void ab-initio because Midland Mortgage a division of MidFirst Bank lied and never intended to lend a single cent of their own asset or depositors money to the buyer ( XXXX XXXX XXXX XXXX 
A valid contract must have lawful or valuable consideration. The contract failed for anticipated breach. Midland Mortgage a division of MidFirst Bank never planned to give the buyer/borrower ( XXXX XXXX XXXX any valuable consideration. 

2. Midland Mortgage a division of MidFirst Bank breached all its fiduciary duties to the buyer ( XXXX XXXX ) and is therefore guilty of criminal breach of trust by failing in its good faith requirement. 
Midland Mortgage a division of MidFirst Bank concealed the fact from the buyer ( XXXX XXXX ) that it would be using the buyers ( XXXX XXXX ) promissory notes ; first to clear all the liens and encumbrances in order to convey clear title to the buyer ( XXXX XXXX ) and then use the second promissory note to obtain money from the Federal Reserve Bank or other institutions that by and sell mortgage-backed security. Midland Mortgage a division of MidFirst received up to three times the amount of money required to purchase the property and kept the proceeds to itself without telling the buyer ( XXXX XXXX ). 

3. Midland Mortgage a division of MidFirst Bank violated its corporate charter by lending credit or nothing at all to the buyer ( XXXX XXXX ) and then charging interests on make believe loan. Banks are only licensed to lend their own money, not other peoples money. Midland Mortgage a division of MidFirst Bank used the buyer ( s ) ( XXXX XXXX ) promissory note to clear the title which essentially purchased the property from the seller. This transaction is an ultra vires transaction because Midland Mortgage a division of MidFirst Bank has engaged in a contract outside of its lawful mandate. An ultra vires contract is void or voidable because it is non-existent in law. 

4. Everyone involved in this undertaking with Midland Mortgage a division of MidFirst Bank, starting with the loan or mortgage officer, the lawyers, the land title office and even the central bank are equally guilty by association by aiding and abetting Midland Mortgage a division of MidFirst Bank in its commission of its crimes against the buyer ( XXXX XXXX ) and the people who would eventually have to absorb all of the loss through increased taxes, etc. 

SEND THE SPECIFIC DOCUMENTS REQUESTED THAT WAS STATED IN THE DOCUMENTS THAT WAS SENT CERTIFIED MAIL NUMEROUS TIMES. IF THOSE DOCUMENTS CAN NOT BE PROVIDED THERE WILL BE FURTHER CONSEQUENCES. 

THANK YOU!

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