Consumer complaint received 2025-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: MIDFIRST BANK
State: PA

Complaint narrative:
Last year my mortgage was taken over by XXXX  mortgage. However prior to the switch I had a approved and finalized loan modification with Rushmore mortgage company. Before XXXX put the modification in effect my loan was transferred to XXXX. At that point it was a waiting game for the modification to take effect.it took from XXXX of 2024 or so all the way up until XX/XX/XXXX for XXXX to put something in effect. The issue is that I have been in contact the whole time with XXXX mortgage via me speaking to them on the phone, or them sending me notices letters. The last time I spoke to them was sometime in XXXX of XXXX  I wasn't sure that everything was on track and there was no issues the modification was good and I would receive something soon about finalizing it. Prior to XXXX in the mail I received a few letters by mail from XXXX mortgage stating that I was approved for a different modification and a XXXX loan modification and I would receive paperwork about that. So obviously I was expecting to receive something. So after the call in XXXX when I was told out I would be be getting notice soon. I didn't hear anything as of XXXX so on XX/XX/XXXX I happened to check the website on the website it had on XX/XX/XXXX they posted to the dashboard the prior approved loan modification from XXXX and then on XX/XX/XXXX I'm sure they pushed it through or something like that because everything previous those months were all paid up until XXXX but not XXXX it was paid up through XXXX well when you do alone modification the following month the payment starts so it should have been XX/XX/XXXX so when they put the modification through on the XXXX I would already owed back to XX/XX/XXXX so that put me in the hole XXXX and XXXX since with no notification they went through with modification and didn't even tell me which XXXX it was. Because prior with their letters they said it was a totally different thing. So on XX/XX/XXXX I put a another application for assistance through to say hey what is going on now it is XXXX because I know it takes 30 days for the application assistance to go through. So I called last week of XX/XX/XXXX and said hey what is going on why I haven't heard anything about this one I figured they would have called their own mistake at that point if I hadn't I would have been foreclosed on with no notice of a modification which I told I would get notice so at this point I told them they should start it I guess from XXXX at this point or XXXX to make it right if they would give me notice it would have been paid no problem. And also when they went through the modification approval they added over {$100.00} to my previous principal my old mortgage was XXXX XXXX that's what the modification was approved for from XXXX they charged me {$12.00} all those months so I should at least have {$100.00} plus balance for each of those months balance to be carried forward. All of the phone calls I had with XXXX were recorded. As of last week the website my dashboard for XXXX since I've been approved for a loan modification so I guess we'll see hopefully they do the right thing and fix their mistake all they had to do is give me a notice which was basically promised via mail and representative

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