Midland Mortgage

My mother's mortgage was sold to Midland in February 2023 right after her husband died and the COVID deferments ran out. Took over a month to be able to access the account and any attempt for loss mitigation has been denied. We've been working with the emergency mortgage assistance program to help pay the late amount but Midland ignored all of their attempts to contact them for months. It took multiple government representatives reaching out for them to finally respond last week. The house goes to auction in a couple of weeks and I'm beginning to think that Midland is just sandbagging us to make sure that there's no way for us to keep the house. They dragged it out so long and tacked on so many outrageous fees that the amount owed is now more than the max amount that the grant covers. Do not willingly go with this company. If you have other options, use them.

During Covid we like everyone else were shut down and could not work. The tenant did not pay the rent and we requested a forbearance. They stated that there would be options at the end of the forbearance. When the forbearance was over we applied for a modification. We keep applying and they keep denying it. They say that they want to keep us in our home but they have no solutions. We are in our mid 60s and are working and are paying the mortgage monthly. They have not given us any options for the arrears and there is no one to escalate the matter to. We own two other properties. One of which is a conventional mortgage and those banks immediately gave us modifications on pace the Covid forbearance period was over and we are current. We are reaching out to get some assistance in working with this impossible situation.

This company is criminal. Complaints won’t work. Call your local state representative, contact the Attorney General, call a lawyer. They don’t care about reviews, everyone needs to band together and file a lawsuit against them.

My mortgage was bought by Midland Mortgage in December of 2022. It took four months for my payments to show up at the credit bureau… This is due to the fact that they don’t report your payment until 2 or 3 months later. It is the end of June and April’s payments haven’t been reported yet!!! This makes it nearly impossible to refinance because a lender cannot see your updated payment history. I’ve placed multiple phone calls, written numerous emails, and get a different answer every time. No one follows through with what they tell you they will do. Their customer service is horrible. If anything gets escalated then you have to email a different department and hope that you hear a response back. Buyers beware!!! Do not do business with Midland Mortgage!!! If I could give negative stars I would!!!

My mortgage was sold to Midland by Chase after 25 years. What a difference from good to bad Midland contacted me a month ago for some paperwork. They wanted me to sign they said they would FedEx it to me next day. Lies. It’s been a month and 8 phone calls to them different story every time. Some of the people have been nice but one who barely spoke English was very rude and outright lied claiming they sent paperwork and was left at residence but apparently not mine saying it was the law. What a lie. Looked it up and it doesn’t exist. Asked for a supervisor who was nice but confused. Explained what was going on but we will have to see what happens. After reading the reviews I am not too happy with this company but what can you do.

I was approved for a grant to bring my mortgage current. Midland Mortgage call me in September to go over the remaining payments amount. They gave me 3 options with the grant amount. They also said I couldn’t pay the remaining balance cash that I had to do an interest free FHA loan for the remaining balance. They sent paperwork out to be signed before December 5, 2020, for the interest-free loan and told me the grant from the state would be applied in about 3 days give them a week and everything should be current by then but you pay for your mortgage payment on January 1, 2023. That was done.

My mortgage was sold to MM from CitiMortgage in 2015. MM received my loan with what was presented to me as a FHA HAMP Loan Modification that was listed as completed in May 2014. I made many, many trial payments before the modification was “signed” as completed finally in October 2014, then my loan was sold to MM. Fast forward to the present day-I’ve found out that the loan modification that I am still being held to was not a FHA HAMP loan modification! What was done, was processed as a forbearance agreement without my notification or my consent. It was NOT completed in May 2014, and it was sold fraudulently to MM. MM was aware, and they decided to continue the fraudulent practices from March 2015 to present.

Worst by the far the worst mortgage company I've been with, worse than Wells Fargo and that tells you a lot. They hit you with unrelated fees monthly and wait 6 months before reimbursement, they violate RESPA on a daily occurrence and the CFBP does nothing. I've file 3 complaints with the CFPB and that still doesn't get their attention. Their associates are like talking to a wall and if I could see the looks on their faces they probably look like a deer got caught in headlights. I will continue to file complaints against them. Hopefully they will get fed up and sell my loan.

Our loan was bought out by this company during our CARES Act mortgage forbearance. We had signed the loan modification to restart our loan and kick everything to the back. While the signed papers were in transit, Midland bought out our mortgage. It has been hell since. First they didn't accept the agreement signed from our previous bank. Didn't contact us for two months, we didn't know who bought our loan, just that it had been bought. The staff that answers the phone and who you are transferred to are some of the most incompetent individuals I've ever dealt with. They talk over you, answer questions you didn't ask, EVERYTHING takes 3-5 business days.. Even though 3-5 business days has turned into 5 months trying to get something concrete with these people. They will say something in one sentence and contradict what they said the next.

Our mortgage statement showed over 6900 on escrow in November 2021. Insurance and taxes were paid December 2021 for 3800. Now Jan 2022 statement shows a negative 5900 in escrow. Those numbers do not add up. They claim payments were not made for 6 months but yet we have receipts showing payments and statements showing payments. Thus company is full of crooks. They screw you out of every penny the can.