Consumer complaint received 2018-05-27
Company: MIDFIRST BANK
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Good day. This has been a long and stressful situation. Due to a reduction of work hours back in XX/XX/XXXX-XX/XX/XXXX because of illness. I fell behind in with payments for my home. I then received legal papers from the loan service company XXXX XXXX based out of XXXX. I hired a law firm that also did loan modifications. We applied numerous times and every time. XXXX XXXX always came back with a denial. always claiming some paper was not delivered or the application wasn't complete. Etc They hired the law firm to start the foreclosure process in XXXX County XXXX. Supreme Court. My lawyer at the time I believe answered every motion and although the state of XXXX XXXX requires the lender to have a preliminary conference to try and settle. Here in XXXX county. We have a judge that deals with his cases in what is knowed as a " rocket -docket " and in over 95 percent of the time doesn't bother to read papers submitted by defendants and always agrees with the banks. He has been reversed a number of times on appeal. No settlement offer was made to my attorney ( he never informed me of one if in fact the lender did ) and the case has proceeded for a few years now. Fast forward to this complaint. I then went to XXXX XXXX housing center which is an approved XXXX XXXX State housing service that is contracted by XXXX XXXX to help homeowners stay in there home and works on dealing with the lenders and homeowners to get loan modifications approved. After meeting with my housing counselor. A few times. Gathering all paperwork that is required from the bank. And submitting my application again. The loan servicing company XXXX XXXX once again came up with the excuse that they didn't receive paystubs. Now please keep in mind. Paystubs is one of the most basic parts of the application and everyone knows that and especially me after dealing with this process as well as a licensed non for profit agency that paystubs gonalong with the application. XXXX XXXX housing crisis has submitted over ten thousand requests and I myself have submitted a few so that was nothing but a blatant lie by XXXX XXXX when it. Denied my application for a modification. This is what these lenders due. It's a well documented process. I have letters from my former lawyers. Letters from the non fornprofit that submitted the last application. And in reading the CFPB role and seeing how you. Have investigated other lenders who partake in these type of rule breaking games such as XXXX XXXX as well as XXXX. I'm filling a complaint and ask that you look at and investigate XXXX XXXX track record and there process. I'm willing to be interviewed and willing to turn over all papers. They have broken and violated the consumer protection boards rules on a number of issues. 1- not meeting timelines to inform applicants about any missing documents2- not acting in good. 3- violations in regards to time deadlines and other issues

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