Consumer complaint received 2023-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: NJ

Complaint narrative:
Contacted Midland Mortgage regarding loan assistance in XXXX however the revised amount ( approx {$1900.00} ) was higher than the last initial amount ( $ XXXX ). Kept in contact with Midland on a monthly basis and began making double payments XX/XX/XXXX to XX/XX/XXXX. When I contacted them in XXXX noticed my mailing address for notifications was incorrect ; I called them to update my mailing address, due to USPS mailing issues. I also asked how much time was left before any forclosure process. They indicated payments and forclosure determination is. In XX/XX/XXXX I sent XXXX checks for {$50.00} each. Mid XXXX, I received XXXX out of the XXXX checks back with a note requesting the full amount of {$2000.00} is required. When I called them to establish the requested monthly payment, to my surprise, I was told to stop paying my mortgage and that I'm now in the forclosure process. I was confused and asked if i sent in the full amount would tgey send it back, they gave an unsure response but assured me to stop paying all together. I moved forward with applying for loan assistance over the phone and asked them for next steps. They indicated that I could ask for a determination amount for the account to come current and that they would negotiate the terms with their attorney. They gave me the attorney 's contact information. When I called the attorney 's office, they said it's not true, it's the full amount or go to court. They also confirmed Midland did not request to have a complaint filed and to call Midland back asking if they could remove me from the attorney list and the status. I called Midland back and spoke to their forclosure office. They indicated that my assistance application is under review and they are using outdated documents to make the determination; was open to updated documents being sent in. They were unable to answer about the complaint process saying it's their attorney that makes the decision ; they were unsure. Updated documents were submitted the first week in XXXX. On XX/XX/XXXX - XXXX XXXX left a notice on my door with a summons and filed complaint. I explained to the Service processor I work out of state and not my home resident state. Serving should be to the updated address provided to them. XXXX confirmed they will update their records and inform Midland Mortgage ' attorney. I called Midland to ask them about the status of my loan assistance application the same date, i was informed it would take another XXXX days for determination. Midland is conducting dual tracking, did not provide proper notice and gave incorrect information forcing me into forclosure when I was making faithful double payments. Now i have to go to court utilizing the money to pay my mortgage payments, for a forclosure defense attorney. This doesn't make sense at all when they were being deceptive, creating unnecessary confusion and illegal activities according to the NJ forclosure statute.

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