Consumer complaint received 2024-04-14 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: CA

Complaint narrative:
Hello, my name is XXXX XXXX. I am in need of desperate help. My mortgage company Midland Mortgage loan number XXXX refuses to work with me following my husbands death I was an authorized person on the account but once he passed away I was cut off completely. I have been through so much in this last year. I dont know where to turn. l just want to save me and my late XXXX  home, my husband came home on hospice in XX/XX/XXXX I took care of him to his last days at our home. My mortgage company refused to talk to me when I let them know that my husband was XXXX  and XXXX because I wasnt on the mortgage agreement. In my XXXX  last weeks of life he lost the ability to talk Midland Mortgage asked me to put him on the phone after I stated he wasnt able to it was a devastating moment for us. I even had a power of attorney over my husband before he passed away to handle his business affairs/health affairs Midland mortgage made me submit documentation of the power of attorney and our marriage certificate Which I did submit I had to send it multiple times the same documentation. Midland mortgage kept transferring me to multiple departments within their agency .Every one I spoke to said they havent received it .Midland mortgage kept giving me the runaround telling me that they could not speak with me because I was not on the mortgage agreement. I begged and pleaded on their phone line to expedite this matter when it was finally completed and I was added as a person to talk to After sending all the paperwork numerous of times during that timeframe, my XXXX XXXX away. I sent over documentation of my XXXX XXXX multiple times asking if there was anything I could do I was going through a loss I want to save our home. I was informed that I can do a loan assumption package all I had to do was pay the fee for it to be sent out to me. Midland told me they would have an agent from that department call me. I received a call from one of their agents and I was told I had to resend documents my marriage certificate, I sent it again. I didnt hear from them until Midland mortgage sent me a loan modification with my husbands and my name on it on XX/XX/XXXX XXXX I have attached that. I was a bit shocked and happy to see this packet I thought it was saving me from a looming foreclosure I could finally take care of what my husband asked me to do .I called Midland mortgage back and told them that I had already sent over documentation saying that my husband had passed away was there a reason hes listed on the paperwork. I cant sign my husband name hes deceased. I even told them I thought I was waiting for the assumption package .Midland told me they have not received anything regarding my XXXX XXXX. After I saw my XXXX  name on the packet I was confused as I had sent over the death certificate stating my XXXX was deceased I continued on the phone talking with Midland and asked them what can I do they told me the offer was Null in void and to get rid of the papers I was sent. Midland told me to again send over my husbands death certificate after I had already sent it to them. Midland made me relive that my husband had passed over and over they made me resend documentation that he had passed away when Im still grieving myself. I was struggling mentally, emotionally, physically all I want is to save our home. Midland Mortgage werent trying to hear anything I had to say I asked so many time please please let me file for mortgage assistance I even begged on their phone to let me assume the loan so I can file for mortgage assistance I tried to file for more assistance on their website so I can become current on the loan. But it was denied because Midland states I dont qualify When I did have power of attorney granted to me before my husband passed it granted me those rights to save our home .Midland Mortgage denied me the right to handle his affairs before he passed. This was our dream to have this home for the rest of our days now Midland mortgage is trying to foreclose on me and has filed a notice default XX/XX/XXXX and theyre threatening to foreclose on the loan after 90 days .Midland mortgage told me that I dont qualify Mortgage assistance still and refuses to speak with me only giving me vague details when I call and telling me to make a one time payment paying off the amount thats owed thats all I qualify for there is no way that I can pay {$34000.00} without applying for a mortgage assistance to make the loan current. I have been in contact with a HUD counselor whos willing to help me. I can keep up the payments now I have the income to handle the mortgage I work two jobs. Midland mortgage asked me if I was the informant on the death certificate and I stated yes I was I was here at our home when he took his last breath I called his hospice nurse to let her know he passed this is on the death certificate. I have a probate attorney and my hearing for probate for my husbands estate is XXXX XXXX where I will be awarded rights to the home.i understand Midland wants documentation and I can give them that when my hearing comes Im afraid that by the time my probate hearing comes, Midland will already be trying to sell the home and I wont be able to save it im already receiving so many letter of investors trying to by my house all I want is to save it and live here till I pass away. I cant fathom being homeles. All I need am asking for is the fair right to be able to file for mortgage assistance and for them to communicate with me and work with me Im running out of time. My husband passed away at our home I watched him take his last breaths here. I took care of him in our home. Weve lived the last XXXX years in this home together. We purchased this home together. I was a XXXX  until my XXXX  became XXXX  .My XXXX  took care of all the bills. I may have had a setback where I wasnt able to pay the mortgage because of dealing with his passing and losing my best friend, I went through the biggest XXXX of my life where I had multiple wellness checks at our home. I have now healed and handled my grief and loss I am now qualified I have two jobs.I work hard I have the means to pay for our home. I dont understand why Midland Mortgages wont work with me and allow me to file for mortgage assistance. So I can become current on the loan. I want to save our home I dont want to move I want to live here till I pass away. Like my XXXX  did I just want to save our home.

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