Consumer complaint received 2026-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: MIDFIRST BANK
State: AL

Complaint narrative:
This complaint is a resubmission of a previously filed complaint that was closed after I unknowingly replied to a no-response email address. I am requesting reopening and formal review of my mortgage servicing complaint related to my FHA XXXX ( XXXX ) loan. I obtained an FHA XXXX ( XXXX ) renovation mortgage originated by XXXX XXXX XXXX and currently serviced by XXXX XXXX. My complaint concerns mortgage servicing failures involving oversight and administration of the renovation escrow account, XXXX draw disbursements, and borrower protections required under FHA XXXX ( XXXX ) program guidelines. During the renovation process, funds were released to the XXXX despite significant incomplete work, unsafe construction conditions, and workmanship defects. I repeatedly raised concerns regarding construction quality, safety issues, and unfinished work ; however, I felt pressured to approve draw requests even when I was dissatisfied. I later learned from a XXXX XXXX that borrower approval was not required if work was incomplete or unacceptable. Serious safety concerns were identified during the project, including electrical conditions described by emergency personnel as a potential fire hazard. Additional contractors later indicated that work performed appeared to involve repeated corner-cutting and substandard practices. The renovation ultimately resulted in property damage, unresolved defects, and ongoing financial harm. Despite these issues, loan servicing continued as though the project had been properly completed. I experienced increased financial burden, including higher housing costs and ongoing repair needs caused by failed oversight of renovation funds and XXXX performance connected to the FHA XXXX ( XXXX ) escrow administration. I believe the mortgage servicer failed to adequately administer and supervise the renovation escrow and draw process in accordance with FHA XXXX ( XXXX ) borrower protection requirements. These servicing failures directly contributed to financial damages and left me responsible for correcting defective construction funded through the mortgage loan. I have submitted complaints and documentation to multiple oversight agencies, including HUD, the XXXX XXXX XXXX XXXX XXXX, and other consumer protection entities. I am requesting CFPB assistance to : XXXX. Investigate mortgage servicing conduct related to administration of my FHA XXXX ( XXXX ) renovation escrow and draw process. XXXX. Determine whether servicing obligations and borrower protections under FHA and federal mortgage servicing standards were properly followed. XXXX. Require a formal written explanation from the servicer regarding oversight of XXXX payments and borrower protections. XXXX Review available remedies for financial harm caused by servicing failures connected to this loan. I am prepared to provide supporting documentation, photographs, correspondence, inspection concerns, and agency filings upon request.

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