Consumer complaint received 2018-11-20
Company: MIDFIRST BANK
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This complaint is about a messy mortgage situation I am in but more importantly its about possible fraud, and scamming related to the real property I purchased, in XXXX, WA XXXX. This complaint emanates from the purchase I made through XXXX HXXXX XXXX XXXX aka XXXX XXXX XXXX. The mortgage is FHA and insured by the FHA. 

The problem is I recently discovered 2-3 months ago, after applying for a refinance the lender of my property XXXX XXXX XXXX XXXX had its rights to be in the mortgage business removed, by the federal government and had its license to do any business revoked by the state of WA in XXXX. XXXX XXXX was ordered to leave WA state and restricted from doing any business with any resident in WA state. Also, the problem is based on facts that XXXX XXXX a division of Mid First Bank, without evidence implies the company has a beneficial interest in my property nevertheless my property has never been paid off, endorsed over, transferred, sold, or repurchased, nor has any company of record ever provided, offered, or recorded any valuable consideration for my property to establish a valid assignment against the property. 

XXXX XXXX, XXXX XXXX nor Mid First Bank never informed me via any correspondence ; i.e., written or verbal regarding any change to my mortgage, my property Deed, Note nor Title. I do recollect about XX/XX/XXXX XXXX XXXX  sent mortgage coupons to me via US mail indicating future mortgage payments be sent to XXXX XXXX. Thus, I thought XXXX XXXX  was the same company as XXXX XXXX   but now know my thoughts were in error. 

About XXXXhree ( 3 ) months ago I discovered HUD placed 2 liens against my property one ( 1, ) in XXXX and one ( 1 ) in XXXX. In XXXX XXXX XXXX received approximately {$23000.00} from HUD without my knowledge or signature. In XXXX XXXX XXXX   received approximately {$49000.00} without my knowledge or signature. In XXXX, after the above XXXX sent me a loan modification agreement that I was coerced to sign stating I agree to pay {$43000.00} back to HUD, for a deferred loan. According to HUD the money both XXXX XXXX and XXXX received was to reduce my mortgage balance, principal and monthly mortgage payment, but the money HUD sent in XXXX was never applied to my mortgage. Additionally, approximately {$6000.00} according to the modification agreement I signed in XXXX was also not applied to my mortgage loan balance.I have made many attempts to understand and resolve the outstanding monetary differences with XXXX Mortgage and Mid first Bank to no avail. 

About two ( 2 ) weeks ago I requested and received a current title report from XXXX XXXX XXXX. The report shows I am the only owner of my property, my loan is still FHA insured and shows XXXX XXXX XXXX XXXX as the lender of my property since XXXX when I first purchased the property. 

The names of XXXX XXXX nor Mid first Bank have never been recorded against or on my property Note, Deed or Title. I have never signed, acknowledged or executed any agreement with XXXX XXXX or Mid First Bank regarding my property. There has never been any entry or change noted within the history and or chain of my title, aside from the two ( 2 ) liens placed by HUD. 

After discovering the problems herein, I disputed my loan balance and demanded XXXX XXXX and or Mid First Bank validate any claim, debt, etc. the companies assert, if any, against my property. To date no response has been received. 
Couple months ago, and still to this date I continue to ask XXXX XXXX and or Mid first Bank what happened to the money HUD gave, for reducing my principal balance. Their silence is extremely loud. Nonetheless, XXXX XXXX representatives did state, during a telephone discussion with me, about early XXXX that if XXXX XXXX   XXXX XXXX  provided XXXX XXXX documents the documents were lost or unable to be located.

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