Consumer complaint received 2026-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I am requesting CFPB assistance with MidFirst Bank XXXX XXXXXXXX XXXX regarding mortgage servicing, loss mitigation, partial claim accounting, force-placed insurance, title/ownership review, and failure to provide a clear explanation of the basis for their servicing decisions. I dispute the servicing and loss-mitigation handling of my mortgage account. I requested to be evaluated for all available programs, including modification, partial claim, HUD-related assistance, and any other foreclosure-prevention or home-retention options. I do not believe I was properly evaluated. I need a full written explanation of every program considered, every program denied, the exact reason for denial, and what documents or financial calculations were relied upon. I specifically request a full accounting of any HUD partial claim, including the amount paid by HUD, the amount claimed to be owed, the date of any partial claim, the current balance, whether the partial claim was satisfied, and why I was told or treated as though I could not qualify for both a partial claim and modification. If XXXXMidFirst contends that I did not qualify, I request the specific guideline, calculation, investor rule, or HUD rule relied upon. I also request a reevaluation using the correct mortgage information, correct homestead status, correct ownership records, and correct pending property-tax protest information. My property-tax protest and ownership disputes are pending, and the servicer should not rely on disputed or incomplete records to deny review or continue foreclosure activity. I dispute the force-placed insurance status. I provided insurance information and request that the account be updated, that any force-placed charges be removed or corrected if improper, and that XXXX/MidFirst provide a complete accounting of all force-placed insurance charges, escrow charges, premiums, notices, and cancellations. There is also serious interference and confusion involving XXXX XXXX and disputed court/title records. I am submitting or have submitted police-report information and dispute any reliance on communications, filings, orders, or title claims involving XXXX XXXX without proper verification of authority and ownership. I request that XXXXMidFirst identify every communication it received from XXXX XXXX , any attorney, any title company, any court-related source, or any third party regarding my mortgage, title, ownership, foreclosure, insurance, or loss-mitigation review. I also request a full explanation of the XXXX recorded mortgage/deed-of-trust instrument being relied upon, including the instrument number, the original lender, current claimed holder, current servicer, assignments, transfers, payment history, payoff/reinstatement history, and how that instrument relates to the claimed sale or transfer of my home. XXXXMidFirst has not clearly explained the XXXX document or how it is being used against my deed, ownership, and homestead rights. Requested resolution : I want XXXX/MidFirst to stop relying on disputed, incomplete, or third-party title/court information ; provide a complete servicing audit ; provide the HUD partial claim accounting ; correct any force-placed insurance errors ; identify all third-party communications ; explain the XXXX instrument ; reevaluate me for all available home-retention programs ; and provide a full written explanation of all approvals, denials, calculations, and documents relied upon.

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