Consumer complaint received 2025-02-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MIDFIRST BANK
State: NV

Complaint narrative:
Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Complaint Concerning Wrongful Debt Collection, Mortgage Irregularities, and Failure to Honor Paid in Full Loan To Consumer Financial Protection Bureau : I am submitting this formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and any other parties involved, ( Hereafter Respondent ( XXXX ) ) regarding significant irregularities, potential fraud, and unlawful debt collection practices connected to my mortgage loan. I believe these actions violate FDCPA, TILA, RESPA, related XXXX XXXX XXXX ( XXXX  ), XXXX XXXX  XXXX, XXXX XXXX. XXXX, and other consumer protection laws. Specifically, the XXXX ( XXXX ) is attempting to collect on or foreclose a note that has been clearly stamped and recorded as Paid in Full. 

XXXX. Factual Background XXXX. Original Note Stamped Paid in Full I possess the original promissory note bearing blue-ink signatures of both parties ( borrower and lender ) and a red stamp plainly stating, Paid in Full. 
This indicates that the debt was satisfied, and no further obligation exists under the original loan. 
XXXX. Altered XXXX Provided by Respondent Despite having the paid-in-full original, XXXX has sent me XXXX copy of the note that differs materially : -Only XXXX signature appears. 
-No date is provided. 
-The principal amounts do not match my original loan terms. 
-The front page showing Paid in Full is missing. 
-My alleged signature on this copy does not match the signature on the original note. 
XXXX. Deed of Trust XXXX XXXX I also have a copy of the deed of trust explicitly stating the loan was fully satisfied & paid in full, with a Full Reconveyance notation at the top. 
- Under normal circumstances, once the note is satisfied, the XXXX should be released or reconveyed, leaving my property free and clear. 
XXXX. XXXX XXXX XXXX Foreclosure XXXX XXXX documented evidence that the loan is satisfied, XXXX ( through its agents or affiliates ) is threatening foreclosure and demanding additional payments. 
XXXX creates confusion, distress, and potential damage to my property rights. 

XXXX. Potential Legal Violations -Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692 et seq. 
If XXXX ( XXXX ) or its agents qualify as debt collectors, their attempt to collect a nonexistent or satisfied debt may constitute false or misleading representation of the debts character, amount, or legal status ( FDCPA XXXX ). 
XXXX. Truth in Lending Act ( XXXX ), 15 U.S.C. 1601 et seq. 
-TILA mandates clear, accurate disclosures of loan terms and payoff amounts. 
-Presenting a contradictory note with inaccurate amounts and failing to acknowledge payoff may violate TILAs disclosure and accuracy requirements. 
XXXX. Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2601 et seq. 
-Under RESPA XXXX mortgage servicers must investigate and respond to borrower inquiries or disputes, often via Qualified Written Requests ( QWRs ). 
-Failure to correct records, provide accurate payoff information, or address servicing errors may violate RESPAs error resolution provisions. 
XXXX. XXXX XXXX XXXX ( XXXX  ) -XXXX  XXXX requires a lender ( or trustee ) to record a reconveyance of the deed of trust once the loan is paid in full. 
-Persisting in foreclosure attempts on a clearly satisfied debt may violate XXXX XXXX protection or foreclosure statutes. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( XXXXXXXX XXXX XXXX ) -Banks and financial institutions must accurately account for assets and liabilities. If XXXX continues carrying a paid note on its books, it may be misrepresenting its financials. 
-Acting beyond authorized corporate powers to collect on a satisfied debt or failing to follow lawful procedures for releasing a paid note could violate 12 U.S.C . 615. 
XXXX. Unjust XXXX and XXXX XXXX attempting to extract further payment or seize my property despite clear evidence of full satisfaction, XXXX XXXX be unjustly enriched. 
-Falsified or altered documents raise the possibility of fraud or misrepresentation. 

XXXX. Demand for XXXX XXXX ( XXXX XXXX  XXXX XXXX Reports ) -I respectfully request the CFPB compel Respondent ( XXXX ) to produce the following banking, accounting, and off-ledger documents to establish whether they are unlawfully representing this debt : XXXX. Form XXXX XXXX of the banks cash collateral accounts. 
XXXX. Form XXXX XXXX of off-balance-sheet activities, including loan securitization. 
XXXX. Form XXXX A breakdown of the banks real liabilities and obligations. 
XXXX. Call Reports Demonstrating whether the bank continues to list my fully satisfied loan as an active asset. 
XXXX. XXXX XXXX Sheets ( Line XXXX ) Evidence the note is or was recorded on the banks books. 
XXXX. XXXX XXXX Liability ( Line XXXX ) Tracking any funds owed to me. 
XXXX. Collateral XXXX Account ( if any ) Showing whether the bank holds my collateral in an undisclosed offset account. 
XXXX. XXXX of Deposits Confirming if the bank is retaining funds in my name after the payoff. 
These disclosures will help clarify if XXXX ( XXXX ) is illegally double-dippingi.e., continuing to claim an interest in a debt that was satisfied. 

XXXX. Prayer for XXXX ( XXXX XXXX XXXX ) In light of the principles from XXXX XXXX, which instructs that XXXX who defrauds a neighbor by lying about a deposit or property must make full restitution plus an added amount, I seek equitable and just relief as follows : XXXX. An XXXX XXXX and XXXX XXXX that the CFPB XXXX XXXX  documentation, accounting practices, and servicing records. 
-Halt any foreclosure proceedings or collection activities until the CFPB XXXX its investigation. 
XXXX. Recognition of the Paid in Full Status -Order XXXX  to cease claiming any outstanding balance, acknowledge full satisfaction of the note, and record or re-record a proper reconveyance, clearing my property title. 
XXXX. Restitution and Correction -Consistent with XXXX XXXX, require XXXX ( XXXX ) to return any funds they improperly collected and compensate me for the harm caused by their misrepresentation. 
XXXX XXXX ( XXXX ) corrects any adverse credit reporting stemming from their false claim of an unpaid debt. 
XXXX. Additional Damages -Award appropriate compensatory and punitive damages, or the modern equivalent of adding a fifth ( XXXX XXXX ) to ensure accountability and act as a deterrent. 
-Impose civil penalties or fines if XXXX ( XXXX ) conduct is found to violate federal law. 
XXXX. Disclosures and Transparency -Require XXXX  ( XXXX ) to provide the complete set of requested XXXX XXXX  and banking documentsincluding off-ledger accounts, call reports, and any securitization recordsfor thorough public oversight. 
XXXX. Attorneys Fees and Costs -If I am forced to seek legal representation to protect my home and rights, I request reimbursement of reasonable attorneys fees and costs. 
By citing XXXX XXXX, I highlight the timeless moral principle that XXXX who wrongfully withholds or lies about property entrusted to them must restore what was takenplus an additional portion. I respectfully ask the CFPB to uphold these ethical and legal standards, ensuring fairness and restitution. 

XXXX. Conclusion Enclosed please find documentation supporting my claims, including : Original Note bearing the Paid in Full stamp. 
Altered Note provided by XXXX, lacking the correct signatures and dates. 
Deed of Trust / XXXX XXXX noting fully satisfied & paid in full. 
Correspondence from XXXX threatening collection or foreclosure. 
XXXX XXXX I appreciate your offices commitment to consumer rights and fair lending practices. Should you have any questions or need further documentation, please contact me via Phone or Email Thank you for your swift attention to this urgent matter. 

Respectfully submitted, All Rights Reserved Please see Attached Documentation Enclosures : Cover letter, Complaint letter, Notice of default, Original Promissory Note, Copy of mortgage/Deed of trust document.

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