Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MIDFIRST BANK
State: NV

Complaint narrative:
Back in XX/XX/XXXX around mid month I called XXXX XXXX  for help due to off work XXXX from ongoing medical condition. Asked for help and they contact me back a few days later advising me that the plan was aproved but to start on XX/XX/XXXX with a plan payment of {$200.00}. At the time i was aproved for the plan i was not 30 days past due for My XXXX payment. So I enrolled on the plan. I called back to ask questions regarding the plan with an agent and I specifically asked the agent do I need to pay my XXXX and XXXX payment still? Or will these payments go into the plan. The agent then said No you can start with the lower plan payment as of XX/XX/XXXX. I asked the agent will this impact my credit or will my credit be suppressed? The agent said that it would not be 30dy credit reported and never told me to look at my agreement regarding credit reporting. I started the plan XX/XX/XXXX and the plan was for a year. I told the agent I do not want to get on a plan that will impact my credit due to my home is listed and after I sale the home I have to get another home! I called and spoke to XXXX agents for 6 months and every time i asked about my credit they made seem like it was not being reported and It was not showing on my credit report. I seen that due to I have credit monitoring with XXXX  and I did not see any 30 days late on XXXX  or XXXX  or XXXX. Every month I had to call them to make a payment I would always ask about how my credit is being reported and all the agents that i talked too never told me look at the agreement to see or even offer to go over the agreement with me or offer to send me my agreement that I never got. When I feel that XXXX misinformed me of the plan because I would have known that i would be reported for all the months i was on the plan i would not have never got on the plan in the first place! i would have borrowed money from my family to help me pay my mortgage and paid them back once my home sold. I called to complain and one agent told me that I should have been told lets go over the agreement and been read to about the plan but No one took the time to properly inform me. The agent also said that they should have offered to send the plan agreement to me but no one ever did the whole 6 month I was calling in to make my plan payment. I am disputing these 7 30 day on my credit report due to being misinformed of the plan from the first initially call i asked for help back in XX/XX/XXXX. XXXX XXXX  has misinformed me and has committed a deceitful act and I have escalate this with them on XX/XX/XXXX. I have them pulling all calls from back to XX/XX/XXXX and every time I called I asked about my credit and no one took the time to properly inform of the plan that accepted. I even told the agents that i am selling the home and will be purchasing a new home and my credit can not be impacted. I have never been 30 days late with XXXX XXXX  the over 5 years I was with them. Also they reported my for 60dys late back in XXXX and XXXXXXXX XXXX XXXXXXXX and I made my payments on time right after coming off the Covid Forbearance plan in XXXX! It took them over a year to correct after calling for a whole year and speaking to supervisors and still not one took the time to help me. This Lender is horrible and does not comply to CFPB guidelines. It say according to CFPB a lender should not be reporting you 30 days late on an unemployment forbearance plan not unless you enroll on the plan all ready past due and that I was not I was current. XXXX needs to finned and they should have their agents read verbiage to homeowners before putting them in a plan. This Lender is deceptive and is not complying to RESPA! I have escalated this with XXXX to have all calls reviewed so they can see there agent to not fully inform the homeowners! I feel their agents are under trained and provide incorrect information to their customers! I sold my house on XX/XX/XXXX and my realtor pulled my credit and low and behold shows me over 120 days past due! Now I can not get a approval for another home loan and I am current displaced due to XXXX lying to me. If they can not help me I will sue them for providing incorrect info and misleading me! I would have never sold my home just to be now homeless with my XXXX XXXX XXXX XXXX  If they can not help me with fixing my credit I will hire an attorney and sue for damages! All the times I called and ask no one could tell me the truth or educate me. Deceptive and unfair acts and misinformation. We will see the what happens they said it takes 30 days for them to investigate if a lender give out incorrect information they need to FIX it!

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 non-monetary relief