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I called last Friday the 13th! Spoke with a fella, he stated his name was Fred! He must be working by himself, he kept putting me on hold. I have paid my mortgage off, like 15-17 yrs ago. My husband and I would like to buy a second home, but I need a copy of my mortgage "paid off" statement. He stated it would take 7-10 days. I asked if he could email it, "No, but could Fax it." We gave him a fax number, we never rec'd it. So now I tried to get in touch with Midland to see if it was mailed out or what is the story. My phone goes dead. With each phone I tried to call with, did they(Midland) put a "Do not call" on my phone or what??? I do need that statement and have no idea how to reach them!
I had a house fire in Feb. 2015. Midland was the worst company to ever have to deal with. They withheld money on numerous occasions for the contractor and he was not able to complete his work in a timely manner. After the inspection to release the hold back amount from the insurance company, the contractor did not finish the work. We parted ways because of this. Midland never sent out an inspector for final inspection after funds were released.
Now they are holding a final amount of money for additional work needed to be done, and they told me because I do not have a contractor I need to send a supply list for material needed, and they will send out an inspector to see if work was done. WHAT??? They did not even send out an inspector for the contractor and paid him in full!! I was never communicated with at any time during this process of any additional things needed to move checks along. Instead, I only received information when I called.
My house, which was not a total loss, took over 10 months to get repaired because of Midland's handling of the funds. At one point I had to have a 3-way conference call with a manager and National Fire Adjustor's to get some answers as to why the funds were being held up. It wasn't until then that a large portion of the funds were forwarded. They are a nightmare company to deal with in a crisis situation. They have made an already difficult situation even more difficult.
Midland mortgage is the worst company I have ever dealt with on so many levels. These people ruined my credit. I refinanced for a lower payment. They said to start making my new payment on time for 3 months and that would complete the terms of the few once agreement. Made the payments on time and in full. Next month I check my credit report these people reported me 90 days late. I had to pay for a credit report 40 dollars and fax 50 pages to these jokers to get them to remove that 90 day report from my credit. Why would I refinanced and let these people ruined my credit. These people are scumbags and should be shut down. I think I will take all future mortgage payments and give them to a lawyer instead. Never do business with these people.
This is one company you don't want to do business with. If your mortgage loan get sold to this company, I recommend you to refinance as quick as possible. My house caught fire 3/4/2015. I just moved back into my house on 11/4/2015. During the build out, the contractor saw that the insurance co. left out items in the estimate so they had to send a supplement to the insurance co. The estimate was revised and the supplement was paid. The insurance co. had to send the final check to Midland Mortgage. Then they were to send the check to me so I could pay the contractor. The final check was sent on 11/17. They claim they didn't receive the check till the 25th. I was told they will mail the check out in two days. Two days, never came so I called Midland Mortgage back again asking when will the check be sent out. The contractor is waiting to be paid.
Midland said "we need to have several managers approve the check first then we will mail the check out". I had to call again. They told the same story. After that I said "put a manager on the phone cause I'm tired of your company telling the same lie." Once the manager came to the phone she stated we have to come out and do another 100% inspection. On 11/3/15 the insurance company and the Midland Mortgage sent out an inspector to do a 100% inspection. The insurance co. said "in order for us to send the final check to Midland, we would need to do a 100% inspection." So we set both inspector to come out on the same day which was 11/3. Now that the insurance co. has sent the final check to Midland. Now they want to do a second 100% inspection. What kind of sense does this make?
Midland claim due to the check being in a different amount, we need to inspect one more time. But when was they planing on telling me? When I have called them 4 times asking for the check and was told each time when the manger sign off on the check we will mail the check out? If I would not have asked for a manger and asked why am I being told you all need a manager to sign off on the check before you can mail it out, that is when Midland manager Maria ID # ** told me "they need to come out and do a second 100% inspection. I'll put a rush order in for 24hrs." 24 hrs passed, never heard from an inspector. I called back again, spoke with Deonna ID # **. I told her that I was suppose to hear from the inspector in 24hrs. Deonna stated "I see the order but it hasn't been sent in. It's going to be 2 to 3 days."
I asked for a manger again. Brenda ** ID # ** came to the line and said the same thing "I don't why Maria told you see could put a rush in because it's going to take 2 to 3 days for a inspector to call you then 5 to 7 days after that before we can send the check out." This company has reps working who is not properly trained and don't have a clue to what's going on in the company. Midland Mortgage needs to be closed down. My contractor has been waiting to get paid for a job he has been done with now for over a month and still have not gotten paid. I'm letting you know now if your loan gets sold to Midland Mortgage, refinance your home immediately.
Customer service is horrible and rude. I work for a mortgage company that their borrower is going through and even though I have signed consent from the borrower and sensitive information that should get me the information I need, they were rude and not helpful at all. Total ** show. Would not recommend to anyone.
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Horrible place. Customer service reps. are so damn rude. They are very incompetent and ask for the same thing over and over again. The Banking Commission really need to look into this institution. Cant wait to refinance.
Back in March 2013 my step dad passed away. I had my mother POA to help her sort out finances, etc. Aug of 2015, my mother passed away. I notified MM about each death. I have sent wills, death certificates and whatever else they request. Since I am the only child, I have been trying to assume the loan and make payments so I can keep the house. For the past year and a half, every time I send info they request, about a month goes by and I get another letter requesting something else. I understand there's a lot of legal matters in the case of a death, but after a year and a half or more, they are still sending me letters requesting information that I have sent numerous times. Calling them doesn't help. They're rude and you can never speak to the person that actually signed the letter. Right after my dad died, I paid the property tax. I didn't know that MM paid them as part of the process.
I got a letter from them stating the taxes were paid and they would refund the money to me once they had my info. Well, that's been over 18 months and still no refund. This place is a nightmare. I wish I was able to refinance the house with someone else, but the way it looks right now, I'm going to lock the house up and let them have it. The house is nothing fancy and the loan amount due is more than I could sell it for. It's all my parents had, yet MM expects me to pay out of pocket for lawyers and appraisals. I ended up paying $500 for a lawyer to draw up a paper showing I was the only heir and so on, but fell on deaf ears... Now they want more from the lawyer and I cant pay $500 out of pocket every time they decide they need more info. This place is a joke - run away as fast as you can!
I was overcharged on a monthly basis, was told I would get a refund. Then after 8 months of waiting for them to say they were going over how they tagged on extra charges, I never received my extra insurance they charged me... just person after person that seem to say it would be sent to me and over a year. I could no longer Deal with a company taking my money and that caused multiple problems for me and my family.
I had to take what little money I had left to go out on my own and get it refinanced with a different company just to get away from all the lies and overcharges... as I received a letter a few months ago saying I was able to get refund due to a lawsuit which I have never to this day seen A DIME of it, but I thank God for who was able to put a stop to the fraud and an end to the many people affected by this. Respectable people work hard for their money and for a company you put your trust in holding the loan over the very roof over your own and child's head turn out to be thieves as well as liars. Still not a dime, they need to be confronted and held accountable for the poor actions and stress they cause to hard working families.
I agree with every single bad review. Thank God, my house is now paid off, and I don't have to deal with this rude, untruthful company. I too had no trouble until my loan was sold to Midland Mortgage. They constantly charged me for things I didn't owe. I paid extra every month, in order to pay my house off sooner. Even though, I checked the box on my coupon, and wrote a letter advising them to put it towards my principal, they would put it towards my escrow. I owed a very small amount @ 10 percent interest, when I got very sick. They didn't want to work with me. Immediately tried to foreclose. Thanks to my Mother or I would have lost my house over $1500. Absolutely, the rudest, most horrible company in America!
Our mortgage company was CitiMortgage. We applied for a reduction program with Citi, we were only 1 or 2 payments behind. We started this with Citi in Sept 2015, got an attorney to help us. Months went by, approximately 13 months, in the meantime our mortgage was sold to Midland Mortgage. It took them months to figure out if they were going to help us. Well back in June 2015, we got letters from an attorney saying we were being foreclosed on by Midland Mortgage. We never knew this, our attorney never knew anything about this. Did this behind our backs, now we had to file bankruptcy to keep our home from being foreclosed on.
Keep in mind we are on a fixed income, social security disability - that's all the income we have once a month, but they don't care about that. I really hope to God that we can sue these companies and win. They can't keep doing to people and get away with this **. We need someone to read this and help us so we can do something about this company. If someone reads this and knows what we can do about this situation, please let us know.
I incurred thousands of dollars of damage inside my condo due to neglect by our property management company. Long story short, my attorney recommended asking for a loan modification instead of going through foreclosure. I spoke to a rude "customer service" rep who took very little info from me but was able to deny my request. She recommended that I give up my home through a "deed in lieu". Thanks, but I'm trying to KEEP my house.
I have had my house for 14 years with Citi Mortgage and have never had a problem. My loan was then sold to Midland Mortgage and ever since then, they claim at least every month that I do not have insurance on my home. They have added their own numerous times, my agent has had to call many times to tell them that I do have insurance. As a result, my house payment gets getting higher and higher. I feel that they may be taken money from my escrow account. I would never recommend this company to anyone. Someone needs to look into this company.
Contacted this company to email them paperwork for another person. According to employees they are unable to receive emails until 24 hours have passed. That would make their computer system older than dirt. They can only receive pdf's but they cannot receive pdf's either. It takes two days for them to receive emails. The department that receives the emails opens the emails and forwards notes to the department that needs the email. The department has no phone system in to communicate with them. This is such a messed up company that needs a lot of help. I would think twice about locking yourself into any business like this.
I am struggling with making my mortgage payments to Midland and managed to stay only two months behind because I know if I became three months (or 90 days) MM would jump to foreclosure like a hawk on a mouse. Well, that was the case. I called them and and asked if I could get a loan modification and the answer was NO. I must wait until June 2015 because I had a modification two years ago. And, that is the LAW! I talked to another lender and they said that how often loan modifications are granted is up to the lender.
I have also had an insurance claim with both MM and my name on the check from the insurance company. I signed it and sent it to them. Later, when I needed the money for the repairs they sent me a measley $220.00. The check was nearly $2,000.00. I called and asked them what I was supposed to do with that amount of money. I had a burst pipe and the tile in the kitchen, dining room, and laundry room had to be replaced. Also, the carpet in the front room needed replacing. They told me to make what repairs I could and then they would inspect the repairs. After that they would dole (my word, not theirs) me out a little more money. I am disabled and I have nowhere to go. I have lived in my home nearly thirty years. There is a great deal of equity accrued. I thought I would die living here. Apparently, now I will die living in a cardboard box.
My dad had a stroke by in 2008 and not able to pay his mortgage by himself. These people pretend that they were willing to help him by doing a modification - they didn't help, he incurred more fees. SO I made payments December 2014 and I swear no one at that company talks to each other. I was given the run around by several representatives with no manners. We got on a trial plan finally, but they increased his payment over $200. How does that even make any sense. You are struggling to made payments so let me hike you your payment. And every time you speak to them they are asking you for more money, even if you made a payment a few days ago.
I tell my children never to say hate unless you mean it, but I truly HATE this company. I wish I could refinance my dad house out from this company. Most unpleasant experience ever dealing with a mortgage company and I own my house.
I had another mortgage company and then it got switch to mm. I had no idea why this happen, and never had any problem with my first mortgage company. All of a sudden I started receiving phone calls and letters stating that I was behind on my payments. I am in the military so I have an allotment coming out every month, yet they keep on telling me that I am months behind. They received two payments in one month and put the second one towards the interest. I told them that the second one which they received at the end of the month is for the next month mortgage. Yet they have not added it, and still keep on calling and sending me letters. This is the worst company I have dealt with and yes I have argued with them on numerous occasion. These people have no heart, but what goes around comes around.
This isn't the first time I've had to deal with these unprofessional customer service representatives. Giving attitude during the call, wasn't even able to get my questions answered due to the amount of attitude given when asked general questions like my # and address. They need to be trained again on how to deal with their customers. We are the reason they even have a job - because of the customers. Very disappointed!
We had been with them for 10 years when I became sick and lost my job of 14 years. Needless to say things got bad real quick. We went to see a lawyer to save our home and car (shyster lawyer). We got bad info from them. They told us to skip a house payment so we could file bankruptcy. We did. We paid for 7 years on the bankruptcy.
Thought everything was good only to get a written notice that while we were in bankruptcy we had accrued 7 years of late fees. Plus we had to pay mm attorney fees for them to deal with our attorney. Don't forget we were behind still 1 payment and had to immediately pay that. Called our attorney and because we were done with bankruptcy we would have to pay for another case. And yes the customer service is horrible. Once I forgot to sign the check and they never contacted me. When I inquired they said "yea we have it. What do you want us to do with it." No communication. I could give more, but I don't have the time. Would never recommend!
I bought my home through another loan branch. One night received a call from this guy, says he can lower my interest and payments so I figured hear what he has to say, right. Well I didn't think it was right for me. Told the guy "no, I thank you. I'll stay where I was, no thanks." Well when it was time to make a payment, that's when I found out he had pushed forged the paperwork and it was a done deal. I fell ill - was off work. Got behind in payments, house went foreclosure, filed for help through mm - filed 3 times. 1 time they said they did get, 2 time it was lost, 3rd went as far as the day of the sheriff auctions calling and calling them what was going on. Went as far as outside help - mm wouldn't talk to them.
When I told them I was going to call attorney General office, they decided to take my calls and came back with.... to the outsider company - said they would get back to them and to us - would say they fax phone number mm provides on paperwork went to the wrong department so my understanding today. There for 9 months - mm came back with reply - they needed a recent electric Bill which at this time was paid up then it was that they could help because the bill was not high enough to prove we were still living in the home and we'd have to short sale or market the house. What's wrong with this. They called us back to file again.
My thought - if my hardship isn't good enough to live through and relive it to tell my story, what difference is it going to make the 4th time if any keep reliving the deaths of my parents and my unborn child over and over. What's wrong with these people.....???
I have been making house payments for 20 some odd years in my life. And 5 years with midland mortgage. Just recently they stopped sending house payment coupon booklets and envelopes. And even worse stopped sending statements with a tear of portion and envelope to mail the payment. All I receive in the mail now is a statement that shows the bare minimum. It shows nothing of principal or interest paid or even total pay off. Oh there is a portion that shows you may order a pay off statement and they will charge you 25 dollars. And when tried to inquire over the phone about all of these items I was treated very poorly. I DON'T recommend this mortgage company to anyone. I firmly believe that they are a predatory loan company.
When I retired from the military, I didn't plan things as well as I could have and I struggled. I had lived in this house for 12+ years, but unfortunately, had refinanced a couple of times, so it was upside down like a lot of other folks. I didn't care about that, I just needed a lower damned payment. I would have gladly added 10 years to the backside in hopes of prosperous years in between where I could catch up and get more equity (and stop rolling debt into refinance loans). I tried everything I possibly could to get the payment lowered and they were not interested in helping me, so I finally stopped paying on it.
As of right now, my credit report says that I'm $16K behind on my payments...funny because another family owns that house now and I'm just a renter. So they continue to screw me, even today. I've never really 'hated' a company before, but I do hate this company for their seedy tactics and tendency to screw people over instead of helping them. If one person changes their mind about this company after reading this, then it was well worth the time to write it!
My husband and I are raising nine grandchildren and we ran into some bad luck and we got behind on our mortgage. Mind you we have been in this house for twenty years. They send you these letters where they want to help you stay in your home, have you sending in all types of documents when they know that it's just a part of the process. I faxed all of my documents, waited three days, called to do my interview with the little she kept me on the phone forever to tell me the only options that they could offer us was a short sale or a deed sale. All these years that we have been in our home and this is what they think of us. Everyone has had a moment of hardship and recovered. I explained to the young lady that my husband had just had his right leg amputated and he is a Vietnam veteran. That made no difference to her. She was a very inconsiderate individual but I will continue to pray for her and the people that run this company. Hopefully one day before it's too late they will have a heart.
In 2011, I tried to rent my condo and for a year tenants were breaking leases. I had 4 people in a year. I was getting married and moved over 30 minutes from the residence but went on to support the place for a year. Within the year of 2013 in November I could no longer pay my mortgage. I have worked in the mortgage field for very long time and since my home was in CT, Midland would not refinance it. Since I no longer had a job and was going to school full-time no one could refinance. My credit was perfect up until this point.
I continued to pay debt where I could and put my home on the market. The value of the homes had decrease from 175000 to 110000. The home was place at 125000 to start and decrease to 119999 5 mths later and 19 showings. Midland Mortgage 5 months after being on the market approved pre-foreclosure process and asked me to place higher to 135000 and for 6 mths the home sat with no showings. I understand the process but Midland didn't want to work with the customer with short sell. Now I am on to Deed in Lieu and even more obstacles are being provided that are small paint for the rooms and neighbors stuff outside the house.
Every year since my mortgage has been with MM my payment has gone up. They say due to taxes and insurance, therefore there is a shortage in my escrow account. So when they send me the letter that I can send a check for the difference and my payment will not increase, why is it that it does go up? Looking online comparing with the letters and with online statements plus the 2 new payment books...... NOTHING MATCHES!!!!!!!! My old payment plus my 3 new payments, not a damn one of them matches. Have to call and figure out which of the three new payments is supposedly the new correct payment, which it is not. This company is by far the worst company I have ever dealt with in my entire life. Getting ready to refinance my home hopefully very soon. Cannot wait to get away from this company. BE SURE TO SIGN THE CLASS ACTION LAWSUIT AGAINST MM FOR LENDER PLACED FLOOD INSURANCE.
Since they acquired my loan, I have have nothing but problems & questionable practices from M.M. Now their threats have gone to a new level. I have made every payment since 2/1999. One month in 2003, I had concerns & GMAC said not to worry, & if I incurred any late fees they could be added to end of my loan. Never a problem or pressure. Then M.M.! I was drowned in worthless general mailings, but discovered an escrow overage check that had just expired. I copied it & asked for reissue. The runaround began. Must wait til end of next cycle. I told them to put it toward my payment & sent remainder. They said they couldn't. Let the late fee nightmare begin!! I started written correspondence only! & this year they had overage & suggested they apply it toward my late fees. Really?
My payment book 6/2013 offered an agreement to pay $30 PRR month add'l to settle late fees so to end the madness, I did it. Then more letters, I hadn't made payments. Got my bank involved, they warned me companies that "fee you to death". M.M. took my checks electronically, no cancelled checks. Bank gave me trace numbers, and told me to ask if my account with MM wasn't credited, whose was? I sent payments with copies of proof I made.
I am current 6/2014, same mailings (harassment, I think) then 7/12 certified letters that threaten, IMPORTANT RIGHTS FOR HOMEOWNERS NOTICE OF PRE-FORECLOSURE OPTIONS. Get an attorney, 30 days to respond or default begins, foreclosure order will be entered!! How can this be when I've made all of my payments? I need help! I don't trust them or their actions! Small print disclaimer: "this is an attempt to collect a debt, debt agency". Help!!
When I first acquired my mortgage it was through a company called Cendant Mortgage. For some reason or another it wasn't long before my mortgage company was switched to Midland Mortgage. My mortgage payments kept increasing every year and they kept saying it was due to the increase in my property tax since I am supposed to be on a fixed rate, that is the only way it could go up. I thought everything was fine and just continued to make the payments. Now, I've fell on hard times and been unable to make payments for a while so I contacted them and tried to get a loan modification and was told that they hadn't received the paperwork they requested numerous times, and was denied eventually once everything was in.
They keep sending letters saying that they are concerned that I'm having problems making my payments and they can help. They just keep giving me the runaround. I recently checked my credit report only to find them saying that I'm further behind than what I really am, and that they almost doubled my interest rate that is supposed to be fixed. They keep sending threatening letters of foreclosure, and saying that I need to pay half of what my home is worth to save myself from foreclosure. Don't deal with these con-artists.
I was assigned as executor of my sister's estate due to her unexpected death. I had no trouble with any banks - mortgage companies - investment firms - utility companies except Midland mortgage. I requested payment coupons for several months and never received any. They continued to turn this account over to a collection agency even though it was current with me having to make all payments by cover letter every month.
When I finally contacted someone at the mortgage company, instead of the collection agency, let informed me that my order for payment coupons had been cancelled upon completion of an escrow review. They were shocked to hear that the escrow review was complete and I had already received a copy of the review. I gave up on dealing with this company and just paid off the loan balance per their quote AND received a refund from an overpayment. Today I have received a bill from their collection agency again! This bill was for Legal Fees? Once again, I am unable to contact anyone at the mortgage company to discuss this bill. I give up!
Attention anyone and everybody who has an account with MM. I filed an insurance claim in Oct. 2013 and it is now 1/27/2014. MM is a very unprofessional organization and to tell you the truth they are a RIP- OFF!!! They still have not released my insurance check to fix our roof. They trick you to sign the check and send it to you. If you don't sign the check, you are subject to delay your project. But what they don't tell you is that once you sign the check, they cash the check immediately. If you fail to proceed with the process and say you wish to cancel your claim, they take your check and put it toward your mortgage. I'm seeking legal advice against company. We didn't even sign up for this mortgage. Please stay away from MIDLAND MORTGAGE...
On May 17, 2012, Nichols Kaster, PLLP filed a class action lawsuit in the Northern District of New York on behalf of Plaintiff Gordon ** and other borrowers with mortgages serviced by Citibank or Midland Mortgage. The Complaint alleges that Citibank and Midland Mortgage routinely force-place excessive amounts of flood insurance on borrowers, and improperly arrange for commissions for themselves or their affiliates on force-placed policies.
**’s story was the subject of a recent article in the Syracuse Post-Standard. According to the Complaint, Citibank unlawfully required ** to carry flood insurance coverage that exceeded the amount of his loan balance by more than $100,000. After **’s mortgage was acquired by Midland, Midland required ** to carry an even greater amount of flood insurance ($237,349). Midland’s requirement was approximately fourteen times **’s small loan balance of less than $17,000.
The lawsuit further alleges that both Citibank and Midland Mortgage purchased expensive “force-placed” insurance coverage out of **’s escrow account to meet their onerous flood insurance requirements, which are inconsistent with the terms of Plaintiff’s mortgage, HUD requirements, and federal law. In connection with this force-placed coverage, the lawsuit alleges that both lenders and/or their affiliates received improper kickbacks or commissions.
Like most others here, MM assumed my mortgage and immediately forced me to raise my (flood) insurance coverage. Now, they've gone and lost my title. They had a lawyer call me, not write me, informing me that I need to contact them in order to create a new title stating that I am the owner and they are the lien holder since no one has the title to my home. I really hate this company.
Midland Mortgage Company Information
- Company Name:
- Midland Mortgage