Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (NJ)

On or around XX/XX/XXXX, I disputed unauthorized, and duplicate transactions for the years of XXXX, and XXXX. On XX/XX/XXXX, the bank advised me that Midland Mortgage returned to me 4 months of payments that were duplicates. The bank stated, that Midland mortgage is the one who returned the funds totaling approximately {$7600.00}. The bank advised me not to give the funds back as it was duplicate. On or around XX/XX/XXXX, Midland Mortgage updated my account to state that I owed {$9600.00} instead of {$1500.00} for the month of XXXXIt put me into a forclosure status as of XX/XX/XXXX ; all within 7 days of the bank advising them of the dispute, and it returning 4 payments out of 24 payments. I had never been more than 30 days late for mortgage payments. Midland mortgage returned four payments in the amount of XXXX as deposit to my account ending in XXXX. I paid my mortgage payments for XXXX, XXXX, XXXX, and XXXX from account ending in XXXX Checking. On XX/XX/XXXX, Midland mortgage returned the four deposits to account ending in XXXX. Midland mortgage then falsely stated that I owed for the months of XXXX, XXXX, XXXX, and XXXX, the XXXX. Specifically, I paid XXXX 's mortgage in the amount of {$1500.00} the end of XXXX XXXX XXXX payment the end of XXXX XXXX, and XXXX 's payment of {$3000.00} was paid on XX/XX/XXXX ; XXXX 's payment was paid on XX/XX/XXXX. Despite, XXXX XXXX advising me to not pay back the 4 payments of XXXX ; I paid it back as directed to do so by Midland mortgage by XX/XX/XXXX, to prevent being reported to the credit reporting agencies more than 30 days late. Several reps at Midland mortgage advised me via audio tape that if I paid the {$9600.00} by XX/XX/XXXX ; I would not receive negative reporting. They advised me to file a dispute to get the four payments of XXXX back totaling approximately {$7600.00}. I filed a dispute with their legal department. I did everything they told me to due ; despite being advised by the bank that Midland mortgage owed me, and that I didn't need to pay back the funds. I was assured by Midland mortgage that I wouldn't receive any negative reporting. Today, XX/XX/XXXX, Midland mortgage updated my credit report reporting me not more than 120 days late ; which is utterly false. It included XXXX 's payment which was timely paid on XX/XX/XXXX. It is impossible to speak to anyone who can correct the issue. I was advised that there was no number ; then told to prove why the funds were returned. Midland Mortgage returned funds on XX/XX/XXXX ; which they received back by XX/XX/XXXX. 

Midland mortgage owe me for the four duplicate payments. They unethically reported me as not more than 120 days late in violation with the fair credit reporting act. 

In response to being forced to return duplicate funds ; I applied for a payment plan ; which was cancel ; because I was being given contradicting information. Midland mortgage was telling me to pay it back, threatening foreclosure, and bad credit reporting ; while the bank was advising me that it was a duplicate payment that Midland mortgage returned on its own notion as a duplicate, unauthorized payment. on XX/XX/XXXX, the payment plan was cancelled, and the {$9600.00} was paid to prevent negative reporting as advised to do so by Midland mortgage. 

Midland mortgage returned payments for XXXX, XXXX, XXXX, and XXXX, XXXX ; then falsely alleged that I didn't pay the months of XXXX, XXXX XXXX, and XXXX. They returned payments to a different account ending in XXXX, and falsely stated, I didn't pay those months, while verifying receipt of those funds from account ending in XXXX.