Consumer complaint received 2019-04-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (IN)

In XX/XX/XXXX I bought my house and my mortgage company was XXXX and I had not one problem with them. In late XX/XX/XXXX my mortgage was sold to XXXX XXXX and it was pure torture and frustration from that time on. Payments made on time but were not applied to account or were received " late ''. If payment did not include the late fee it was considered a partial payment and not accepted, you then had to send a check for the entire payment including the late fee. I received a letter that my XXXX payment was received late even though I had mailed it in on XX/XX/XXXX, the letter was received after I had mailed my XXXX payment in on XX/XX/XXXX, both payments mailed 3+ weeks early. I called XXXX and was informed that I was now a month behind and that I needed to send in 1 check for both months including the late fees to bring my account current. I was informed that my checks had been shredded so I sent them the double payment plus late fee check. All 3 checks went through my bank, all on the same day. Over {$3200.00} taking from my account which overdrew my account with only {$800.00} going to my mortgage account. It got to the point where I had to send payments in 3 weeks early AND include the late fees before they would accept them. In XX/XX/XXXX I received a letter stating that I was in foreclosure. When I called XXXX they said it was because they haven't received a payment since XX/XX/XXXX. I informed them that I had all my cancelled checks and then they asked for the checks, not notarized copies faxed to them, but the original checks. I called a lawyer to help me out and we did a refinance. I started having my payments electronically transferred from my bank and I Still received letters that my payments were late and to send a payment that included the late fee. I had the bank 's legal department call them numerous times-about every 3 to 4 months.It took them only 18 months to put me in foreclosure. In XXXX it started again where they said my payment was late, this time because the money went for " undisclosed fees '' and late fees. When asked about how much in late fees, I was told over {$1400.00}, divide it out by the amount of my late fees, I would have been late every month for almost 10 years-2 years before I was with them, again I was going in foreclosure, I had to take withdraws out of my retirement to keep up with their demands and constant threats. I sent them almost {$150000.00} over the entire time I was with them, where the money went I have no idea and nobody can tell me because they do not have access to that information. When asking for a payoff amount I was told different amounts from {$100000.00} to almost {$120000.00}, on a house I paid just under {$96000.00} for in XXXX10 years earlier. I feel like I have been XXXX over and over again by these people. They have wiped out my retirement and trashed my credit. I did a short sale and during the process I quit making payments. XXXX decided that my house was abandoned on XX/XX/XXXX, but I was still there. XXXX gave me until XX/XX/XXXX to be out of my house, but they put a lock on the door on XXXX and I lost everything, furniture, appliances, family heirlooms, my kids baby pictures-stuff that can never be replaced. Then 2 weeks ago I received papers that say they reported the difference between what they sold the  house for in the short sale and my balance to the government as income ... .so now I get to pay taxes on all those " undisclosed fees '' that somehow became income. Somebody please stop these people.