Consumer complaint received 2025-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I am writing to formally address a serious incident that occurred at my home located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which is financed through your company. 

On XX/XX/year> per camera footage contractors arrived at XXXX and did not leave till XXXX when we arrived to home, individuals who identified themselves as representatives or 3rd party contractors of the company entered my home without notice, consent, or legal authority. During their time on the property, they : Changed the locks to my residence, after breaking into my home, damaging my padded keyless entry system Tampered with my air conditioning unit, water heater, and exterior water meter ; damaging the piping, causing a leak on my property Shut off water service to the property ; Remained inside my home for XXXX hours, during which time one individual was found asleep in my bedroom Pressurized the piping without being licensed to do so Interrupted inspection of home while under contract for new buyer causing a fee of {$250.00} Inability of 3rd party contractor to provide proper documentation work order for the reasoning to be on property These actions constitute an unauthorized entry and have caused significant disruption and emotional distress. Furthermore, when confronted, the individuals were unable or unwilling to provide identification, supervisor contact information, or documentation authorizing their entry. Before cops arrived at the property for police report due to breaking and entering, individuals drove off the property in a hurry. 
Your representatives have since admitted that these individuals were to survey the home for possible abandonment or vacancy, not to damage the home or break in. Nevertheless, the damage and invasion of my property and privacy have already occurred. Our home is still being lived in by myself my wife and kids, we have started to empty the house so that the people that are now going to purchase the home could see it empty, lastly there is a large for sale sign on the property with our listing agents information to contact, which the 3rd party contractors were able to visualize, the grass is not overly grown nor does the house look vacant or abandoned and again has a for sale sign on it. We have had the home up on the market for sale, and it went into contract effective Monday, XX/XX/year>. The damages and invasion of the home have now caused a hold on inspection of the home and potentially causing a backout of buying the home. 

Accordingly, I am demanding the following in writing within 5 business days of receipt of this letter : 1. A full written explanation of the authority under which your representatives/contractors entered my home ; 2. The names, contact information, and company affiliations of all individuals who entered my property ; 3. Immediate restoration of all affected utilities and repair of any damage caused to my property ; 4. Confirmation of the steps your company will take to ensure this does not occur again.

5. Reassurance this matter will be resolved as quickly as the damage was caused to ensure our buyers can still purchase the home to pay off loan within the contract of the buyer rights Camera video footage is available that I have to show damages

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