Consumer complaint received 2021-11-27
Company: MIDFIRST BANK
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please reference complaint IDs XXXX, XXXX, and XXXX Regarding the company response in XXXX, MidFirst did not have appropriate authorization to winterize and inspect my property. Once again, XXXX Properties at the direction of MidFirst was in my house doing a 48-hour meter reading test on XX/XX/XXXX. They have now resorted to stalking me when I am not home and going in my house. I have provided plenty of proof that I am currently occupying the property and even posted my electric bill in a complaint on CFPB. This all falls back to MidFirst thinking I am under XXXX XXXX and must report to them when I am home and when I am not home. They have no business or need to know whether I am home 1 day a week or 7 days a week. They had no business entering my house without notification, my permission, or any court order. They have my mailing address, phone number, and both email addresses with my name and account number. We have had communications with all and there is no reason they should not be contacting me if they think the house is vacant. Repeatedly, I have proven and told them the house is not vacant, with CFPB as witness documented in these complaints. 
Further, they claim I seem to meet the requirements for a short sale, yet, according to the website, I am ineligible for a short sale when I go into the mortgage assistance application to fill out for a second time. They also said the application was pending evaluation. If we have not been in communication, how would I have an application pending evaluation? I would not select a short sale. I would keep the home and make payments ( exiting covid forebearance plan of adding past due to principle and continuing to make regular monthly payments ) or sell it. I chose to sell it. 
They claim they have had no communications with me. My phone logs, emails, and letters I have received from them tells a different story. So, not only are they blatantly lying to me every time I communicate with them, but they are also now blatantly lying to the CFPB in response to my complaints. 
The house is sold. There is no need to apply for a short sale or submit a second mortgage for assistance application as I have received my payoff with Midland Mortgage and that will be paid in full within the next two or three weeks just prior to closing on or before XX/XX/XXXX. The house has since been de-winterized and there is no reason or need for XXXX XXXXMidFirst bank to enter my home when I am not home and especially without my permission. 
I will gladly provide more photos, video, and neighbor statements that proves how dishonest MidFirst bank is being. 
I am presently putting all documents and communications in chronological order. If MidFirst/XXXX  properties enters my house one more time I am going directly to The Michigan Attorney General. This is going above and beyond encroaching on my rights and freedom. The bank does not have any court order that allows them to dictate when I am home and how often I must be home.

My last communication with MidFirst was on XX/XX/XXXX at XXXX p.m. with XXXX at XXXX for an account status and this was MidFirst response : The account is still in forebearance and we have a memo from you stating you are able to make a payment until the house closes. I have that memo along with several others. She indicated there is no purchase agreement on my account which was another lie. That has been sent to MidFirst 6 times and posted once on CFPB in a complaint sent directly to them.

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