Consumer complaint received 2022-08-04
Company: MIDFIRST BANK
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
First, I must explain how I ended with Midland Mortgage this year ; a company called " horrible '' by those I called for mortgage help! But then when I mentioned Midland they said, we can't help you if you're with Midland, they are horrible and uncooperative, and we would only waste our time! These days : since I moved to XXXX, I've been a victim of at least a dozen fraudulent so-called financial help. It all began with XXXX XXXX XXXX, when they turned off our benefits unlawfully, when I was in the middle of moving, but I have ten days to notify them. As my senior son 's caregiver, just because I purchased my home, they turned our benefits for two months destroying XXXX good credit score. As a XXXX XXXXXXXX senior having moved here from XXXX XXXX, CA, I had no idea after moving to XXXX XXXX that I was moving to the XXXX XXXXXXXX XXXX of XXXX XXXX. is literally ladled online as " the king fraudsters, which, is XXXX XXXX XXXX, CA. And then the first so-called XXXX XXXX XXXX XXXX tells me that they had sent a cease-and-desist letter to XXXX XXXX. But then simultaneously, I get a letter the day before from XXXX, indicating that I was not with them. the fraudster before Midland told me they had sent a cease-and-desist form to Midland, and to save 5 payments in a savings account due to reconstruction of my loan modification. Because they said they were going to reduce my house payments by {$450.00}. And the end of the 5 months, the fraudsters XXXX XXXX urges me to send them a cashier 's check for the 5 months ' house payment without giving me the information as to who the next servicer was going to be! I soon cancelled them and reported them. And then yesterday I received 2 letters from Midland telling me that my modification was denied because I had not complied with the request. I even copied XXXX XXXX and sent the original copies via email on the self-addressed envelope, after having notarized the report as they requested. I received 2 letters, and the 2nd letter was dated a day XX/XX/XXXX. Then I received 3 more letters. In other words, from XX/XX/XXXX Midland Mortgage sends me daily threatening letters of payoff or we're going to foreclosed. I had even sent Midland the first payment but told me it was late. I sent it thon XX/XX/XXXX and Midland told me I had until the XXXX. And then Midland tells me they must inspect my home and must submit proof or residence. I have gone through XXXX with fraudsters and XXXX is aware of it, but then she is subjecting me to a worst financial fraud than anyone else, but that is ok, since I'm no longer with Midland, so I thought. I wanted to move on so I can refinance and drop my MIP insurance. I will be filing complaints to the Attorney General, Inspector General and to the HUD executives and all over online regarding Midland, even class actions! First of all, when I contact those offering me a better mortgage refinance opportunity, they refuse to help me because they're unable to deal with Midland. Midland is a mind twisting company, because they keep twisting things around back and forth say, yes will accept your late modification to no you no longer are with us we have disallowed the modification because we didn't receive the contract, nor your payment and we must evict you from your home, according to HUD! They have quite a track record online from class actions to from customers telling a similar story like mind. I just want them to release me from their claws and to stop victimizing me. I try to repeatedly explain to them the truth, but they don't listen! Some law firms are waiting to help me against Midland but first I wanted to try and see if you can help me. My head spins with so much fraud! Right now, Midland wants {$12000.00} to catch up, but they are including the time I was with XXXX XXXXXXXX, who reported me to the Credit Bureaus, but I don't owe them. 
It has been enough that I have already gone thorough 4 XXXX XXXX. I just want to do my best since, I'm my severely XXXX son 's caregiver. enough is enough.

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 monetary relief