Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: MIDFIRST BANK
State: NV

Complaint narrative:
Complaint Against : XXXX XXXX ( MidFirst Bank ) Related Entity : XXXX XXXX ( XXXX XXXX ) Related Entity : U.S. Department of Housing and Urban Development ( HUD ) Subject : Inability to Validate HUD Partial Claim, Lack of Disclosure, and Imminent Financial Harm Due to Servicing Transfer Failures I am filing this complaint regarding a HUD Partial Claim exceeding {$100000.00} that has been placed on my property. I am currently in escrow with a scheduled closing this week, and this issue is preventing me from completing the sale and securing stable housing. Despite extensive efforts, I have been unable to obtain a basic itemized breakdown or supporting documentation for this debt. Key issues are as follows : Inability to Validate Debt : My current servicer, XXXX XXXX, has confirmed that due to a servicing transfer from XXXX XXXX, they do not have access to the detailed calculation or supporting documentation for the HUD Partial Claim. Their escalation department has reviewed the matter and stated they can not provide the requested information and will take no further action beyond referring the matter to their legal department, which may take up to 30 days. No Access to Prior Servicer : I attempted to contact the prior servicer to obtain this information but am unable to reach anyone, as my account has been transferred and I can not get through their system. Contradictory Guidance Between Parties : HUD has advised that the servicer is responsible for providing the breakdown, while the servicer has directed me back to HUD. As a result, no party is able to provide a complete or verifiable accounting of this six-figure debt. Lack of Clear Disclosure and Borrower Understanding : At the time of my loan modification in XXXX, I understood that I was signing documents related to the modification itself and believed I was executing duplicate copies of those materials. I was not aware that I was agreeing to a separate HUD Partial Claim that would result in an additional subordinate lien on my property. I do not recall receiving a clear explanation of this obligation, nor do I recall receiving fully executed copies of the documents for my records. Lack of Ongoing Transparency : This Partial Claim was not reflected in my regular mortgage statements, and I was not otherwise made aware of its existence until I attempted to sell my home. Material Financial Harm and Missed Opportunity : Had I been clearly informed of this obligation and its amount, I would have made different financial decisions, including the possibility of addressing or reducing the balance over time. Instead, I am now facing this debt for the first time during an active home sale, with no opportunity to mitigate its impact. Imminent Financial Hardship : Due to the size of this claim, I am at risk of completing the sale with no proceeds or potentially owing money at closing. As a XXXX mother, this creates a serious risk to my ability to secure stable housing. Given these circumstances, I am requesting : A full, itemized accounting and validation of the HUD Partial Claim A formal investigation into the servicing transfer and documentation failure Review of whether this obligation was properly disclosed and authorized Consideration of corrective action, adjustment, or other remedies due to the inability to validate this debt and the significant financial harm being caused At this time, I am being asked to satisfy a six-figure obligation that no party can explain, document, or validate. This is not a standard servicing issueit is a breakdown in the system that requires immediate attention. Sincerely, XXXX XXXX

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