Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (NC)

Complaint:
In XX/XX/XXXX I contact Midland Mortgage about my account # XXXX regarding Hurricane Michael and some damage it had caused- a power surge had killed my dryer and fridge. I was inquiring about help with mortgage so I could also replace those. It was more expensive to file an insurance claim than to just replace the items. Midland suggested I apply to go under the disaster forbearance plan, seeing my county was declared a natural disaster. They put me into the plan until XX/XX/XXXX. They then told me that if I could not repay by then that I needed to call a month earlier to start a modification process to keep my account in good standing so it wouldn't affect my credit. on XX/XX/XXXX I applied for a modification of my loan- as I had been instructed. I sent in all documentation the same day as it was requested, and was on top of it. I wanted to be sure this did not affect me. I was not past due on my loan prior to entering into the forbearance and didn't want anything on my credit to change. They came back for more information, which I would send back. Finally, on XX/XX/XXXX I received the Trial period agreement with a start date of XX/XX/XXXX. I was informed not to make a payment prior to that date. Then and ONLY then in 1 tiny little statement when its way too late is there a statement about credit reporting does it say something about it- but again- I didn't think much about it considering all I had been told and I had done all that was asked of me. I sent in a cashiers check and they processed it XX/XX/XXXX. I then made the 2 following trial payments on time as well. I received the final modification package to sign XX/XX/XXXX, and have made each and every payment as requested. I did everything requested within or before requested of me. I just recently tried to take out an equity loan, as I had major XXXX   XXXX earlier this year, and have some medical bills, and credit card bills I would like to pay off. But, I discovered at that time, that Midland has hit my credit hard with past due marks during this ordeal. Something that was not communicated to me during the process. I was told during the very first conversation, that if I didn't want it to hit my credit that I needed to modify before the forbearance was over, or seek modification so that wouldn't happen. That is on recording at Midland Mortgage. And that is exactly what I did. Why would I mess up a perfectly paid account instead of seeking other options? I was misled into this plan, and now my credit has been affected. And they " apologize '' for the miscommunication. It was on their end. They stated to me on XX/XX/XXXX that the Federally declared disaster area ended XX/XX/XXXX. So by Federal law they had to start reporting in XX/XX/XXXX. However, my plan states I'm in a disaster forbearance the entire time. That is misleading. Also, my credit isn't marked for XX/XX/XXXX, but it is in XX/XX/XXXX, which is also misleading. I am asking that the negative remarks be removed from my credit. I understand, I didn't make payments during that time. I was doing so under their advisement, however, negative remarks are not on me, unfair and deceptive considering I did everything possible I was told to do in order to avoid them according to Midland Mortgage.

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 non-monetary relief