Consumer complaint received 2025-07-30 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: NJ

Complaint narrative:
I am filing this complaint regarding serious violations by XXXX XXXX, a division of MidFirst Bank, and its foreclosure counsel XXXX XXXX XXXX relating to improper foreclosure activity, failure to respond to Qualified Written Requests ( QWRs ), and abusive debt collection practices. 

I submitted a QWR on XX/XX/year>. No acknowledgment or response was provided. I submitted a second QWR on XX/XX/year> ( signed for on XX/XX/year> ). While a limited account history was provided on XX/XX/year>, XXXX did not answer the ownership questions or provide documentation proving standing, assignments, or the complete chain of title. I am still waiting for full responses, including proof of ownership and authority to enforce the note. 

On XX/XX/year>, XXXX issued a foreclosure referral letter naming XXXX XXXX XXXX as foreclosure attorney and debt collector. This was done while : XXXX XXXX and XXXX QWRs were pending, ~A federal lawsuit was already filed, ~A motion for a XXXX XXXX XXXX was awaiting decision. 
This constitutes dual tracking, which is prohibited under Regulation X ( 12 C.F.R. 1024.41 ). 


XXXX XXXX XXXX is actively representing XXXX in the federal lawsuit ( Civil Action No : XXXX ) was later named as debt collector for the same loan.Their foreclosure referral letter explicitly identifies them as a debt collector, which is a conflict of interest and an abusive, coercive tactic in violation of the FDCPA and possibly forum shopping. I sent cease and desist letters to XXXX XXXX, XXXX and XXXX/Midfirst. 

XXXXMidFirst claims to have purchased this loan from XXXX XXXX XXXX XXXX record, they produced self endorsed allonges- undated. XXXX XXXX counsel has confirmed in writing that XXXX only serviced the loan at some point and did not own it. The public record does not show any assignment from XXXX XXXX XXXX to XXXX XXXX. Midlands own documents contain undated allonges and no valid power of attorney for endorsements, raising questions of authenticity and standing. 

These actions have caused severe emotional distress, legal uncertainty, and financial harm. I have been threatened with foreclosure without proof of who owns my loan, and XXXX continues to ignore my lawful requests for information while pursuing foreclosure and collection tactics using the same law firm they are using to argue in my federal suit. 


XXXXMidFirst to produce full documentation of ownership, assignments, powers of attorney, and the chain of title for this loan. 

Investigate XXXX/MidFirst and XXXX XXXX XXXX for : Violations of RESPA/Regulation X for failure to respond to QWRs and dual tracking, FDCPA violations for using litigation counsel as a debt collector, Misrepresentation of ownership. 

Supporting Documentation I have attached : Mailed XX/XX/year> QWR Proof Of XXXX XXXX XXXXXXXX admitted as counsel for XXXX QWRS Midlands XX/XX/year> partial response The XX/XX/year> foreclosure referral letter from XXXX XXXX XXXX. 
Copies of undated allonges produced by XXXX XXXX XXXX XXXX XXXX the record as being servicer only

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