Consumer complaint received 2025-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: MIDFIRST BANK
State: PA

Complaint narrative:
Refusal to Accept Lawful Tender To Whom It May Concern at the CFPB, I am XXXX XXXX XXXX, the living man and executor for the estate/trust titled XXXX XXXX , a legal fiction established by the state. I am bringing forth this complaint against XXXX XXXX, a division of MidFirst Bank, for failure to acknowledge and process a lawful discharge and tender of payment for the mortgage account associated with : Loan No. : XXXX FHA Case No. : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXX  Social Security Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Facts and Evidence : - On XX/XX/year>, I tendered and endorsed the payoff quote provided by XXXX XXXX  for the full amount of {$130000.00}. 
- The instrument was returned and clearly marked as " Accepted for Value '' and endorsed in red ink by the living executor of the estate.

- The statement, Thank you for the credit see payment attached is clearly written and supported by the Special Deposit and handwritten Money Order-style conveyance consistent with U.S. Code 31 3123, UCC 3-104 , and House Joint Resolution 192 .

- The full discharge was made as the authorized party with full right, title, and interest, per 15 U.S.C. 1692g ( b ) and 31 U.S.C. 3123 ( b ) ( 2 ).

- By operation of law, once an instrument is properly endorsed and returned with acceptance of the obligation, it constitutes lawful tender and final settlement. ( See UCC 3-603 ( b ) ; UCC 3-104 ; HJR 192 ).

Alleged Violation : XXXX Mortgage failed to accept or process the endorsed discharge as lawful tender, thereby refusing settlement and continuing to pursue collection actions against the estate despite : - Lawful notice of fiduciary capacity - Proper authorization of tender - Satisfaction of full balance presented by their own quote This constitutes a violation of federal debt collection and credit reporting statutes, as well as a potential breach of contract and dishonor under commercial law.

Supporting Documentation ( Attached ) : 1. Letter of Discharge from the living man XXXX XXXX XXXX 2. Endorsed Mortgage Payoff Statement clearly marked PAID and Accepted for Value 3. Special Deposit/Money Order-style instrument addressed to HUD/Secretary of Housing 4 . Notarized acknowledgment and red ink endorsement 5. Mail confirmation and receipt markings Requested Relief : - Cease all collection and enforcement actions- Issue confirmation that the account is closed and satisfied in full - Correct all reporting related to this account - Conduct internal review of discharge denial practices I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and hold XXXX XXXX  accountable for refusing to honor a lawful, properly executed instrument that settled the debt in full as executor of the trust estate.

Sincerely, XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Executor and General Postmaster - A UCC-1 Financing Statement has been filed, publicly establishing a secured interest and claim over the entity XXXX XXXX and its associated collateral .

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