Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: MIDFIRST BANK
State: KY

Complaint narrative:
I am submitting this complaint regarding the servicing of my FHA-insured mortgage loan by XXXX XXXX XXXX a division of MidFirst Bank XXXX XXXX # XXXX ). In XX/XX/XXXX, I entered into a COVID-related FHA loan modification. In XX/XX/XXXX, after experiencing renewed hardship, I was offered a Trial Payment Plan ( TPP ). I made one trial payment but was unable to continue due to financial difficulty and canceled the TPP. No permanent modification documents were executed in connection with that TPP, and no new Partial Claim was completed or recorded. On XX/XX/XXXX, I was advised by a XXXX XXXX representative via telephone to cancel my Trial Payment Plan and reapply for mortgage assistance, with the understanding that I would be re-evaluated for available options. I followed that guidance in good faith. However, after doing so, my application was denied. On XX/XX/XXXX and XX/XX/XXXX, I received Loss Mitigation Review Determination letters denying mortgage assistance. The stated reasons included that my loan had exceeded the limit for defaulted trial plans and that XXXX XXXX was unable to verify my financial capacity for a repayment plan. I submitted a formal written appeal on XX/XX/XXXX, within the required deadline. I also submitted supplemental information and a follow-up request for confirmation of receipt. To date, I have received no acknowledgment or any communication regarding my appeal. The only correspondence I have received since submitting my appeal is a Notice of Default dated XX/XX/XXXX, requiring cure of arrears by XX/XX/XXXX. I have not received confirmation that my appeal is under review or that foreclosure activity is paused while the appeal is pending. The denial also stated that I did not provide proof of financial capacity for a repayment plan. However, I was never asked to submit income documentation or provided an opportunity to demonstrate repayment ability. Additionally, the denial states that my hardship had been resolved. I was not asked to provide any documentation regarding hardship resolution, nor did I submit any statement indicating that my hardship had been resolved. I am requesting : XXXX. Confirmation that my appeal submitted on XX/XX/XXXX was received and properly reviewed. XXXX. Clarification of the specific FHA guideline or policy relied upon to deny assistance based on defaulted trial plan limits. XXXX. An explanation of how repayment capacity was evaluated without requesting financial documentation. XXXX. A clear explanation as to why I am not eligible for a repayment plan, given my current ability to resume payments and cure the arrears over time. XXXX. Confirmation that all FHA loss mitigation options have been properly evaluated in accordance with HUD guidelines. This property is my primary residence. I now have stabilized income and am seeking a fair and accurate review of available options, including a repayment plan, to bring my loan current and avoid foreclosure.

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