Consumer complaint received 2024-05-20 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: MIDFIRST BANK
State: FL

Complaint narrative:
Unemployment hardship that just ended. Ongoing Midland disregarded valid Hardship compounded with XXXX XXXX impact and still ongoing long covid recovery. We provided Midland with proof that we were supposed to be properly considered for Forbearance or Moratorium per their published procedures. Instead, at speed Midland continued to report us as though delinquent ( as they also did last year during our covid case ). Then disregarded our signed application stating homeowners wife has long covid XXXX and not working ; wasted a month asking for her wage slips. Then re-asked for income information of main wage earner supplied 2 months earlier. Homeowner provided detailed income receipts. Midland sent agent to inspect and take photos of our house while we were home. House is in good maintenance. Midland continued, against their own published policies, to report to credit bureaus losing over XXXX of joint credit scores as though delinquent without a federally-exception ( XXXX, XXXX XXXX disaster area, followed by sudden unemployment ), once new job was secured when XXXX weeks wages received, an extra unnecessary burdeo was placed when Midland insisted on seeing job offer letter. Provided immediately by fax with receipt kept. While continuing to wrongly report us to the credit bureaus - thus negaitvely impacting quicker return to to work. Homeowner rReadily supplied multiple emails and faxes to Midland between XX/XX/XXXX and XX/XX/XXXX on their XX/XX/XXXX deadline. All were disregarded and at high speed rushed into foreclosure. Homeowner kept receipts showing delivery receipt to of emails and copies by fax as a precuation ( covid-related case mishandled last year with same provider ). Homeowners should have qualified for streamlined refinance due to ARPA fund available after covid impact case # XXXX which should have been paid by HAF until XX/XX/XXXX for 18 months. HAF mishandled but either way refinancing through FHA or other method, loan modification etc were all viable options. All the following parties in Midland are denying receiving all supporting documents proving hardship! Rushing our USDA-guaranted loan into foreclosure is non compliant with statute and their own published policies sent to them. Midland never replied to one single question in the past 3 months including when we wrote asking why they increased mortgage to add {$500.00} more, in XXXX XXXX after a massive insurance hike, when our USDA loan to value ratio does not warrant having a bond. We are outside range ( also not replied to ). How many other hardship families are MidlandMortgage decisioning without facts supplied? XXXX, XXXX XXXX, XXXX, XXXX, XXXX date : XXXX XXXX, XXXX, XXXX subject : Re : Documents Needed for Your Application - see XXXX XX/XX/XXXX with attachments

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