Consumer complaint received 2026-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: MIDFIRST BANK
State: AL

Complaint narrative:
I am in receipt of your response and respectfully disagree with your conclusion that the HAF funds and the loan modification addressed separate debts. Your response does not clearly identify what specific delinquency remained after the loan modification was finalized on XX/XX/XXXX. The loan modification was executed to resolve my existing arrears. Therefore, I am requesting a detailed explanation of what delinquency you are asserting still existed after XX/XX/XXXX that required the application of HAF funds. Additionally, records show that HAF payments began being disbursed in or around XX/XX/XXXX in consistent monthly amounts. However, I was previously informed by your representative ( recorded call ) that these funds were not fully applied until XX/XX/XXXX. Please explain : Why were HAF funds, received monthly beginning XX/XX/XXXX, not applied to my account as received? What was the justification for holding these funds for approximately 10 months? During the period XX/XX/XXXX through XX/XX/XXXX, how was my account status reported ( current vs. delinquent ), and how did the holding of these funds impact accrued interest, fees, or balance calculations? Further, your response states that HAF funds were used to reinstate the loan. Please clarify : The exact date the loan was considered reinstated The specific transactions used to bring the loan current How reinstatement was necessary after the loan modification had already been finalized Based on the timeline, the modification was finalized prior to the application of HAF funds, and HAF payments appear to align with the modified payment amount. This raises concerns that the funds may not have been applied in the manner described. To properly resolve this matter, I am requesting a complete transactional accounting that includes : A breakdown of all arrears as of the loan modification date Application of the loan modification ( including any capitalized amounts ) All HAF payments received, including dates and amounts The exact application of each HAF payment to principal, interest, escrow, or suspense Any periods where funds were held unapplied and the reason for doing so At this time, the explanation provided does not reconcile with the documented timeline or payment activity. I am requesting a clear, detailed reconciliation of my account. I am not looking for an explanation that looks good on paper, the timelines arent syncing. It appears you all copied and pasted the copy of the ledger that I emailed to you all. As my request stated, send an itemized document of each payment and how that payment was applied to the delinquency. The question isnt did you all receive the HAF funds, its how the funds were applied. Your general document states it was applied to a delinquency, but what delinquency when the modification covered the delinquency.

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