Consumer complaint received 2026-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally request your assistance in resolving a long-standing issue regarding late payment reporting on my mortgage account that I believe resulted from an error during a payment date change request several years ago. At that time, I contacted Midland Mortgage customer service and requested that my monthly mortgage payment due date be changed from the XXXX of each month to the XXXX of each month. My understanding was that this change would take effect immediately with the upcoming payment cycle. Unfortunately, it appears that the change was instead implemented beginning with the following month rather than the current month, resulting in the initial payment not being drafted as expected. As a consequence, my account reflected a missed payment that subsequently rolled forward and resulted in consecutive late payment reporting for approximately XXXX years. Had the original payment date change been implemented as requested, I firmly believe this issue would never have occurred. Over the years, I have contacted Midland Mortgage on numerous occasions regarding this matter. During several of these conversations, representatives acknowledged that this may have been the result of a servicing error and advised me to submit documentation and written correspondence requesting a courtesy adjustment and removal of the negative reporting from my credit history. I complied with those requests and provided the information that was requested ; however, the late payments continue to appear on my credit reports. The continued reporting of these late payments has had a significant negative impact on my credit profile and financial opportunities. It has created difficulties with refinancing options, obtaining a home equity line of credit, and pursuing other financial products that would have benefited my family. I am a physician who has worked diligently to provide for my family and maintain my financial responsibilities. This matter has caused substantial stress and hardship over the years and has contributed to emotional and personal strain in my life. I have made repeated efforts to resolve this issue directly with Midland Mortgage in good faith and based on assurances that the matter would be reviewed and corrected. Accordingly, I respectfully request that Midland Mortgage conduct a thorough review of my account history, including records of my original request to change my payment due date and any related customer service communications. If your review confirms that the late reporting stemmed from an error associated with the implementation of that request, I ask that Midland Mortgage extend a courtesy goodwill adjustment and remove the associated late payment reporting from all credit reporting agencies. I value my relationship with Midland Mortgage and hope that we can resolve this matter amicably and promptly. However, if the issue can not be resolved through this process, I may have no alternative but to seek additional guidance regarding my available options. Thank you for your time, consideration, and attention to this matter. I look forward to your response and to working together toward a fair resolution.

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