Midland Mortgage Reviews

Worse company to ever exist!!! Not an absolute soul in that company knows what information they are giving out. No one helps you, no one gives correct updates. If your papers are in review for 9 days, when the 9 days are up. Magically something else will be missing and another 9 days go. That happen to me with this company for 6 months. I cried every day of frustration because you can't do anything else.

Back in the summer of 2019 I applied for Mortgage Assistance and was ultimately denied, it took this company almost 2 full months to obtain all the paperwork necessary for me to apply for this program because every week for about six weeks they required something new to be submitted for my application. Over that time I accrued several additional late charges that were not listed or accounted for on my monthly statements. First their explanation for denying me was that I did not make enough money each month to qualify for the program. I didn't really understand this, the point of Mortgage Assistance is to assist a client with making payments.

Midland bought my mortgage after ten years with Chase. I was a month behind and the representatives at Midland have been nothing but kind and helpful. I do not understand all the negative reviews. Every person I have talked with has been nice and understanding. I never write reviews but after seeing how many bad ones there are for Midland I wanted to share my experience. When my mortgage was bought I looked up Midland and saw these awful reviews and was concerned. I can say though, that nine months later, I still have yet to have an unpleasant conversation with anyone there.

This Midland Mortgage company is terrible.... crooks and cronies... I have been making all of my payments online a week before they are due from my business account but on their end it shows receiving payment on the 4th, 5th or even sometime the 6th. I called and they told me not to worry as long as they get it before the 15th. It is complete ** as my credit score is dropping. I have figured it out as to what they are up to. Midland Mortgage knows that if they can lightly tarnish our credit scores even with a few late accepted payments on their end they will keep us from being able to refinance at another bank which is where I am at at this current moment, stuck with **.

Midland Mortgage is literally the worst company we have ever dealt with. I never thought I would say that considering I strongly dislike Cox, but they have managed to be even worse, awful, disgusting money suckers!! About 6 months ago my husband and I got behind on ONE payment. We asked them for help (I should also mention that this is the 5th Mortgage company we have had in the last 3 years because our mortgage continues to get sold without our liking but we have no control over this).

This bank has been the worse nightmare, customer service never help, never care. I was hit by hurricane and this DAMN bank has been holding my insurance money for six months now, not giving me opportunities to make repairs to my house, every time they request more and more paperwork making this process to last longer. They should treat customers better and help them get back on their feet after such as terrible event. I don't know what is worse, be hit by a hurricane or being a Midland Mortgage customer which was't my choice. This stupid bank bought my mortgage from the first bank I applied to.

Our mortgage was sold to Midland after falling behind due to job loss. They try to force the 'Loan Modification" on you first of all, which only means they tack on a HUGE 2nd mortgage and you can plan on owing mortgage payments for a lot longer! I refused the modification but was able to catch up my payments. As I went to review what I owed I found out that they had applied over $3000 to unexplained MYSTERY fees! I found out that when I had paid 2 payments at once last year totaling $2700 they applied $2120 of that money to a fee with absolutely no explanation what it was for! Please check your transaction HISTORY! It turns out they were claiming I was further behind than we actually were! Total crooks, I'm sure we will see a class action lawsuit soon. I plan to sue them myself! PREDATORY LENDER! Be smart and check where every dime you send them goes!!!

After our loan was sold to Midland Mortgage, my husband and I fell behind on payments due to loss of a job. They helped us through the entire assistance process and approved us for a loan modification after 3 months of trial payments. This helped us get back on our feet and EVERY person we spoke to was so helpful and nice along the way. I have read the many negative reviews about this company and wanted to make sure others know that they are willing to help in a time of need.

We got behind on house payments so decided to refinancing with Midland...and was told they would pay off our payments that was owed or work it into our payments. Well now we are being sued for payments before we refinanced...

My mortgage was sold to Midland in January and it is now March and they do not show up on my credit report, as a result my credit has decreased. I fell behind due to some storms that we had as well as a loss of work, they make you go through this process of qualifying for assistance only to deny you. This company is a RIP off and they truly just want your property. Customer service is clueless and disappointing. I am now at a point of just letting them have it.

My father's house was in foreclosure due to death. It sold for $30,000 more than what was owed. They will not answer emails. Over the phone, they keep saying "email us the info required", so I did. Basically, they stole the $30,000. They will not communicate in any way. They state that they haven't received emails that I have sent repeatedly (to the email address they gave me).

My mortgage was sold to them and my first payment made to them in August 2018. As of January 2019 they STILL have not reported it on my credit which dropped my credit score just. Their customer service was terrible - I had to call at least twice to get resolved a "hurricane inspection fee" charged by my old servicer that every time I tried to pay, the extra amount was applied to the principle. Which is better for me but it still shows an amount "unpaid" each month which I was afraid could one day be reported as not making payment. This took two months to resolve with repeated calls.

My mortgage loan was sold to Midland Mortgage August 2, 2018. And it is December 18, 2018 and they have not reported it on my credit so it looks like I have a closed mortgage account. As a result my credit score dropped and one of my credit lines decreased. I am highly upset that I submitted a complaint to CFPB and all Midland did was respond that they report in 2 credit cycles which obviously 4 months is way more than to credit cycles. I am beyond pissed and nothing they say or do will make a difference in how this company operates. It's horrible.

My Morgage was just sold to Midland Mortgage and I spoke to them today to understand how we should handle the direct deposit issues and whether or not the previous company is planning to also deduct for this month. Not only was my experience in this call the worst I've ever had but the rep literally whispered "I DONT CARE", mind you this is my first interaction with them. The rep thought I couldn't hear her and when I confronted her on this comment she gave some half-baked excuse about her talking to a "coworker". The truth is that she did care, evidenced by our preceding conversation. As a customer or even a consumer, sup-optimal service has the ability to really shape our interaction and a perception of service or a product.

Get your home refinanced if these people buy your current mortgage....warning, warning!!!! They're crooks! They have a customer service department that could not answer any questions. They tried to collect an escrow amount that far exceeded the amount of my taxes. They tried to tell me that my mortgage payment had to go up $250 per month for what amounted to a $40 per month real estate tax increase and then could not explain the difference. Wow..no clue who trains these customer service reps....clueless

When I got laid off from my job in 2016 I called my mortgage company, (Midland Mortgage) customer service was so helpful and understanding. They didn't hesitate to assist me in refinance my HOME. I got the paperwork within a week, filled out the paperwork and the rest is history.

My mortgage was sold to Midland Mortgage, and it was the worst and most expensive thing that could have happened with the bill. First, they are not a lender, so despite having overpaid every month for 9 years, I was not able to refinance the loan with them. Fair enough, they are not a lender, but I took out my original mortgage with a local lender in part because of the options for easy refinance. Second, when I paid off my loan, I wired them $48,000. When I called 48 hours later to ensure that the money had been accepted, the representative told me (and I QUOTE, I will never forget this) "I have no idea where your money is." Not "it is still processing" or "this is a question for another department." A mortgage company telling me that they LOST $48k of my money is TERRIFYING.

Midland took my mortgage over from Citi and have been fantastic to deal with for many years. They don’t harass me when I am late because they know I WILL be making a monthly payment. Easiest account I have. :) Highly recommend!!!

I've been living in my home approximately 18 yrs, and after 18 years of living at my current address it is being told to me that I still owe on my home which was under $40,000. My husband is a veteran who is now disabled and ill as well as myself disabled and ill. At this current time I'm trying to figure out why is it that I'm still being held accountable for $36,000 when during the time of the purchase in 1999 the house was $38,000. Doing several conversations with Midland Mortgage I've asked certain questions concerning the purchases and the payments of my home but never can get a direct answer always receiving indirect answer. He recently I've received threatening letters stating that whatever finances I may receive from wherever I receive them from if I do not do the proper thing with the money.

I was off work for six months, and the people working with me were incredible. Deferred payments and ultimately a workout plan when I was once again employed. Always courteous, empathetic and professional. I've been in the mortgage business for over thirty years and this group is outstanding.

Submitted property damage and insurance check to Midland. That was 3 months ago and still have not received check to repair hole in roof. Had to submit contractor's bid to them at least 5 times. They finally sent me letter saying I can expect the check in 8 to 10 days. That was over a month ago. Calling them is fruitless. They lie about sending check just to get you off the phone. I can’t believe they deal with people’s money. It is winter, and I have a hole in my roof. I have lost my contractor. It is too late in the year for repairs. All because they have held my check. I am refusing to make another payment.

We have been trying to get approved for a short sale or deed in lieu of foreclosure for 2 months. All the documentation was submitted and approved. Then a week later a letters tells me we are no longer approved because of a lack of communication. I have written them letters, emailed the delinquency assistance center, as well as contacted the vice president. They will not communicate back. I am okay with them foreclosing. Our house was rented out and vandalized. We want to sell it to be able to pay most of the remaining loan balance but if they don't want to communicate with me, it will be their financial loss. They are a headache.

Having all of these negative reviews doesn't seem to matter to Midland Mortgage. Mortgages get sold to them and the property owners don't have a clue what they are going to be subjected to. Refinancing isn't affordable by many so we're stuck and they know it. I'm going to post this anyway. Maybe it will benefit someone. First and foremost every Midland Mortgage representative I have talked to has been rude, condescending and treats you like your sole purpose is to swindle them to get money. They are also extremely inconsistent and unorganized. It is so frustrating!!!

I just called Midland about 2 payments we're behind on. We pay every month but missed a payment in December & May due to illness. We've tried every way possible to work this out with them & it's insane. So, moving forward... We are in a State of Emergency as we go thru day FIVE of Hurricane Harvey. We live in Galveston County, TX. I asked if those 2 payments could be added at the end of our loan & they said no because we weren't in a hurricane in December, only ill! These people are rude. I've never liked their attitudes. Our acct is with them ONLY because it was SOLD to them WITHOUT US KNOWING BEFOREHAND!!!

When we bought our home in 2003, the mortgage company that held our note was Countrywide. In the crash (and subsequent demise of Country Wide) of 2008, Midland Mortgage bought and took over our note. We were making regular, timely mortgage payments when in 2012, my wife lost her job and was unemployed looking for work for almost a year. When it became difficult to make the payments, we contacted Midland to ask if we could get into the HARP program. Midland responded that we weren't delinquent, so we didn't qualify for it. They advised to hold payment for 90 days, and then call them back at the 90 day point. Sounded strange, I'll admit, but hey, this was our lender telling us to do this. So we followed their instructions.

We got our house in 2008 and after our loan was sold to Midland Mortgage Company it went downhill. I did lose my job and they would not help us so we borrowed $ and after we did never heard anything else until we got a foreclosure letter. We tried showing them we were up on the payment. They said nope, knowing we did not have the funds to fight it in court after you go through options. We lost our home, 2 years this July, why are they even still in business. I don't understand how they can be this bad tacking people's homes and money and nothing is being done.

Due to threats from Midland Financial I filed for bankruptcy. Midland received a judgement against me which lead to the bankruptcy. In the bankruptcy the debts were discharged, years later I now find that Midland had placed a lien against my home. Nothing like circumventing the consumer laws. Midland is bound by a federal judge's order and they take it upon themselves to violate a court order. Where is my protection from them?

Newsflash!! Along with everything else Midland is doing. It is also stealing its customer's Escrow Account if there is a positive balance when the account is transferred over to them. They continue to deny receiving $5,200.00 on my behalf and claim that my escrow account had a "negative" balance. Any dummy knows that a negative sign in front of any number is equal to a credit. The statement given to me by the prior loan holder clearly shows a credit balance on the statement and being turned over to the new lender. Check your statements! Keep all of your paperwork from your old lender! I can wonder how many other people has had their escrow monies stolen from them by Midland!!

Our house (rental property) was vandalized in July 2016. Check from the Insurance Company was signed and sent it over to Midland Mortgage in September. Representatives at the mortgage company were inconsistent in what they conveyed. Their system could not even download PDF files. We have left messages for supervisor and it appears they don't care. After 2 months of back and forth with Midland Mortgage several times, the check of 1/3 amount was received from them by the end of November. By then the contractor left us.

My house was flooded in August 2016. My insurance company had a check in my hand in 4 weeks. I signed it over to Midland Mortgage. It's been 7 weeks and I haven't gotten the 1st draft from them. I have given them every piece of information they have requested more than 5 times. I have called and called and called and no one can help me because it's being processed, or it takes 10-20 days for it to get into their paperless system, or it takes 10-20 days for the mail to arrive in Oklahoma from Louisiana. They must have 100's of scripted lines of crap!!!! My mortgage is current and I am paying $1,000 in rent every month. My contractor has been ready for 5 weeks now and still nothing! I emailed my local tv stations today. I take it back, I emailed ALL of my local stations!!!

My son has a loan through Midland. He is 60 days behind in his payments due medical bills. He has not been able to make the back payments, but does pay every month, so not to get any further behind. He was told that as long as he doesn't get 90 days behind that he would not go into foreclosure, which he is not. Two days ago he got a letter from Midland Mortgage asking him to contact a foreclosure attorney. Also, they did not accept his last payment and returned it, which now puts him 90 days behind. I feel this is a very shady way to get his home, which has a lot of equity in it. He has been told, unless he pays all the back payments he goes into foreclosure. Somehow he will manage to do that, but I will advise him to find another mortgage ASAP. In the past I worked for a mortgage company, and I'm glad to say they did not use such unfair tactics to acquire someone's home.

I own a roofing and home improvement business. One of the things we do is help people through the insurance claim process when it comes to damage caused by weather or falling debris. When a homeowner has an insurance claim on a property in which they have a mortgage, the benefit check is made payable jointly to both the Homeowner and the Mortgage Company. Most of the time this is not a problem... unless Midland has your mortgage.

MY loan was originated with Irwin Mortgage. Several years ago they closed and transferred the servicing to Midland Mortgage. At the beginning they seemed like a great company to deal with and very knowledgeable. However that all quickly changed. In June of 2013 I found out I was going to lose my job working for another mortgage servicing company. I did everything in my power to at least make a payment most months to avoid foreclosure review or etc. I finally broke down and in approximately April of 2015 I called and had to be put on an unemployment forbearance plan. I told them this was just going to cause my home to be further behind and a foreclosure to occur.

I was unfortunately caught up with the 2008 housing crash, and at the time, had two homes, one in Vegas, and a smaller home in Mesa, Arizona. We were forced into bankruptcy, and all of a sudden, this Midland Mortgage became Citibank's collector, or as I was told. My lawyer, and I, sent numerous letters requesting reaffirmation documents. They ignored all the letters. Since 2011 at the adjudication of the BK7, Midland has been receiving monthly payments on-time, but have yet to never enter this data as positive on my credit reports. I have even asked for a settlement payoff, and since they are nothing more than a collection agency, as I have been told numerous times, they have rebuffed these requests.

I have to be out of my home by July 15, 2016. Although I did not have issues with Midland ignoring calls and things I did have to send them the same paperwork repeatedly. My husband was injured and out of work and I didn't make enough to pay the mortgage myself. For a while I would send partial payments but they wouldn't apply the funds unless they had the full payment. They did do a modification with me but they increased the mortgage payment. I had to agree to it and sign to buy time. Otherwise foreclosure proceedings would have continued then.

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.

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.

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.

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 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 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.

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.

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 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.

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.

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.

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.

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?

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.

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.

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.

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 is the 3rd mortgage company I have had and they are the worst. They want me to raise my flood insurance AGAIN (No other mortgage company ever asked me to)! They made me do it last year for almost 4 times the amount I've had on it with the other mortgage companies. This caused my monthly payment to double. Now they want me to add more. When talking to the customer service reps, they don't know what to do or who to go to for a solution. I was told by one to just walk away from it if I couldn't afford it. Another told me she doesn't know who to go to and nobody in the building knows who to go to. They tell me its FEMA's fault. That FEMA is telling them to raise my flood insurance.

Since my mortgage was sold to Midland, I've had nothing but problems. Incorrectly assessed late fees when mortgage was paid on time via bank transfer, wouldn't reverse even after I proved it was their mistake. Charged late fees and dinged my credit report while on a hardship program. Started working again and resumed making monthly on time payments. Payments were returned due to Midland wanting proof of employment. Would not restructure loan and sent foreclosure notice. Withdrew the amount owed to Midland from IRA to get current. Going on the hardship program made matters worse, should have just made my payments from the money in my IRA account. Refinanced loan with another bank. Midland owes me $1,500.00 from my escrow account, but is giving me the runaround. Having the title company I used for the Refi call Midland to get it straightened out. Stay away, stay far far away. You will regret having them as your mortgage holder.

I updated my address with Midland when I sold my home with the mortgage in 2007. Last month I received a letter to the address I provided them in 2007, notifying me that they still had an escrow check and I had thirty days to claim it. I called them immediately. At first, they wouldn't even talk to me unless I could give them the phone number of my address in 2007 (I couldn't remember it). Then they wanted to know how much my monthly payments were, exactly (couldn't remember that either). Finally was able to provide them tax info as verification since my loan number, social security number, and other personal info was apparently not acceptable.

I had trouble making payments in 2011. Late fees were adding up. They eventually stopped taking payments saying that they weren't what I owed them. Went to a local non-profit agency to see about getting my mortgage modified. My first mistake. During the process, Midland kept saying that they wanted me to keep my home but was also filing foreclosure proceedings at the same time. Eventually, they said that they couldn't lower the payments low enough for me to afford them but said if I lowered my food budget to $100/mo, they could spread what I owed them over 3 to 5 years and add that to my regular payment.

Midland Mortgage bought my mortgage from another company 15 years ago. Over the years, I have had to struggle at times to make the monthly payment. There were letters and phone call threats about foreclosure. I have endured and in October 2013, I will make my last payment. If you ever receive a letter from them offering to "help" don't believe it. They will go out of their way to add charges/fees to money grub the last dollar from you. It is "against their POLICY to adjust payment dates" to help you pay on time. Mail a payment in and it is deposited the same day. I have a large, extended family and I have put out the word to anyone who will listen to avoid this company like the plague. I cannot wait to be rid of this company and its policies.

Last month tried to make an online payment only to be told by the website that it would be down for 4 days. Was redirected to pay by phone. Attempted to pay by phone only to be told that it couldn't accept my SS# or my loan number. Finally got someone on the line to pay via representative and received a customer survey line. Answered the questions on a scale of 1-5. All being "1" (poor). Was then automatically transferred to a rep who got on the line and didn't know why I was transferred to her even though the automated system stated it appeared I was unhappy and would be transferred to a live rep to help me with my concerns.

My loan was sold to Midland by Citibank in Dallas. I have never been late or missed a payment in 17 years. I have had water damage to my home and State Farm has issued a check to cover my loss. The check was made out to myself and Midland, so had to get Midland to co-sign. I tried several times to speak to someone about this matter but was never able to talk to anyone that knew anything that I was talking about.

Midland owed me over $1,400.00 that they were holding in my escrow account due to a decrease in my insurance and taxes. I was on a payment plan when this decrease took effect and was told by Midland that they could not adjust my payment until the payment plan ended. I finished my plan and then was told that my check had been sent. Well 10 days later, I still had not received it so I was told a stop payment would be issued and another check cut and would be sent overnight to me.

If you've never filed an insurance claim and then had to deal with Midland Mortgage, this is for you. All payments were up to date. Fast forward. House damage from upstairs water leak while out town for a few days... Just finding the people who would take the job was a job in itself. Then you tell them, "Midland Mortgage has got your check," and they start telling me, "Thank you but no thank you." And when I do find a contractor that will take the job, Midland Mortgage said, "You can go ahead and get started fixing your own, spending your own money, but don't worry, we will repay it." Well, pardon me. Well, why did I pay my Home owner's insurance for about fifteen years to have to come off of what money I have to repair my house?

We bought our house in 2009 from a real estate agent who owner financed the house to us. We put $8,000 down on the house. We paid the principal interest property tax and insurance for several years. After finding out we were defrauded by the seller, there was an outstanding mortgage due to Midland Mortgage. We contacted Midland and they said we could assume the mortgage. We sent ALL the necessary documents and were told we were all set. We came home to foreclosure notices in the previous owner's name. After several court battles, we were told the bank was going to allow us to ASSUME the mortgage. Again, we begin the documentation process. I have sent every document they requested and they denied receiving it, so we send it certified mail return receipt requested. The bank denies getting it!

I have been unfortunate to have my loan with Midland for way too long. I am now refinancing to get away from the worst customer service company in existence. My payoff shows hundreds of dollars in fees. When I ask for a breakdown, they tell me it's $5 to send me a report. Well, surprise, their report does not have any detail older than 24 months, and to call it detailed is a stretch. I called back (now my 4th call) and they told me it will be $5 per year, to get a report that tells me what the fees are for. They have had my loan for 15 years. Are you kidding me? Then they explained that some fees appear to be carried over, so they can't tell me what they are for; I just need to pay them.

I wrote a check to Midland Mortgage for my mortgage. My wallet was stolen and I had to report it to my bank, the police, etc. My bank put a heavy freeze on my account because my checks and debit card were in my wallet and the person who stole my wallet tried to use my debit card. At the same time this happened, my mortgage check was coming through my bank account. My bank wrote Midland a letter stating that the return check was not my fault and to please waive fees. The bank on my behalf issued a new check through my new bank account. Midland turned around and slammed me with (3) $28.00 fees and (1) $15.00 fee. I sent them my police report showing my wallet was stolen, and they wrote me back saying “We added all fees into your mortgage, now pay the new monthly payment.” Unfair practices. They will see me in court! Don’t ever get a mortgage with this company.

As a current loan customer, I am extremely frustrated in the ability to access the company. The website is regularly down so I am unable to make a payment. Then you call in to do a pay by phone, which they charge a fee. You follow the prompts and get all of the payment info needed inputted in the pay by phone. Then the last statement it shares is if you disconnect the phone before you receive a confirmation number, then your payment is not made. I followed this process twice and both times the company disconnected from me and never provided a confirmation number. I wonder if a mortgage lender could be penalized by the federal government when they prevent the customer to make their payments and potentially hurt the customer's credit rating or they cause additional fees to be paid by their customers. To me, this is a bad business practice and it is dishonest. This is my opinion and what is posted is a true account of what has transpired.

I reside in Island Park, New York. On October 29th, 2012, I lost my home and everything I owned to Hurricane Sandy. I have been displaced for over four months, paying a mortgage and rent. After fighting with my flood and homeowner's insurance, I finally received the check for the damages and submitted it to Midland Mortgage on January 28th, along with all of the other paperwork they required. I have followed up every week, via email, lengthy phone calls and still have no check. My last phone call was today; I was told the check needed to signed off by three additional managers that resides in the corporate office. I need my money to rebuild. Without the funds, I cannot start the rebuilding process and may lose my contractor by the time I receive the funds. Midland does not have a sense of urgency. In the meantime I wait. Words cannot express the disgust and anguish I feel. I now understand why homeowners walk away.

I am a contractor that contracted to a homeowner to do repairs to her home that were covered by insurance proceeds from storm damage. I received the check from the insurance company that was made out to the homeowner as well as her mortgage company, Midland Mortgage. I sent the check in, as well as the estimate of repairs, the contract between myself and the homeowner, my tax information, and the insurance company's explanation of benefits to Midland Mortgage to be signed off on and returned for payment of repairs. Midland Mortgage did not call, communicate or send any info. I called to check the status of the check and they refused to speak to me (even after them having a copy of a signed, legal contract between the homeowner and I).

I'm behind on my mortgage. I've tried diligently to speak with someone at this wonderful company! I have submitted a loan modification and have taken all the necessary steps to be cordial with the representative. Why would a person ask me to put my daughter on the modification when she only makes $8.65 an hour? I know they're not in the business to buy the house, but they sure are giving me a run for it! I'm not happy! My experience has been a negative one with them ever since my father passed away in November of 2010.

I was in the process of refinancing my home with another lender and the closing date ended up getting pushed out another two weeks. I was informed by my new lender to go ahead and make my mortgage payment to Midland since the closing wasn't going to happen until after my payment due date. I made my payment electronically on the due date and funds were transferred the same day. Midland didn't post my payment until 3 days later, thus incurring a late payment. As much as I, and my future lender, tried to argue the fact that the payment was made and funds transferred the same day they refused to reverse the late fee.

In September of 2012, my father passed away. My parents had never been late on the house payment. Up to that time, it was with US Bank and they sold it to Midland. My father kept saying there was something wrong. Within a short time, a man walked passed the house to see what's the worth without going in and the taxes were raised. My parents being over 70 and my dad, a vet for 25 years, the house payment went from $675 to $975. Now, this all started in June and by September, my father passed away. Now, she has asked them to help her work this out and they would not answer her.

We had a perfectly reasonable loan experience with the originator of our mortgage. Then, it went to Midland Mortgage and it has been nothing but a nightmare since. They bought our mortgage, which is in MA, and are unwilling to work with us because 'we only refinance in two states and MA isn't one of them.' A couple of years ago, they adjusted our escrow by $5/month, did not notify us, and hit our credit report when we didn't pay the additional $5. We paid $2,000, why wouldn't we pay the extra $5 if we knew about it?

I have been making my mortgage payment since 1987 & have not ever been reported to a credit agency for late payment till MM recently took over my mortgage. If you make a payment online after the 8th of the month, the fee is $10. If you make a payment on their automated phone system, the fee is $15. And if you make a payment over the phone with a live representative, the fee is $20! Conclusion: if I do not want to be reported to the credit bureau as late pay, you are required to pay MM to make a payment! They are extremely unprofessional & need to be reported. On 10/10/2012, this company's accreditation in BBB was revoked by BBB's Board of Directors due to failure to participate in BBB arbitration despite pre-committing to do so. It is repulsive that this mortgage company is allowed to continue business in this manner, & as a consumer, we have no voice regarding the mortgage company holding our loan! I would certainly not recommend Midland Mortgage to anyone for anything. Immensely incompetent, greedy & untrustworthy!

I had a wonderful neat mortgage company called Rocky Mountain Mortgage that was wonderful to work with and I loved them. Well unfortunately, my mortgage was sold to Midland Mortgage. I fell behind one month in 2008 and asked them if they could work out something with me to catch me up and they said no! The only thing they said that they were willing to do for me was to say that I should be two months late, and then they would let me apply for a modification. Since I thought I had no choice, I did it. Well, they pushed out the acceptance of the modification for seven months. I kept calling and they kept saying that it was still being worked on and it was nice not to have a payment for seven months, and I was able to pay off things. But when the modification was done, they had added $350 a month on to my payment and three years onto my loan.

I got hit the same way as everyone else has seemed to be hit. My mortgage was sold to MM and immediately they demanded I increase my flood insurance. I only owed $30K but they insisted I increase the coverage to match my hazard insurance. After reading their letter, it seemed I met and exceeded all of the federal requirements. They still demanded because "they say so." They hit me up again this year and I'm not going to go for it.

My home went into foreclosure. So I went to credit counseling recommended by HUD. And while on speaker phone, the Midland Mortgage representative stated all I needed to do was send in the back payments and the loan would be caught up and out of foreclosure. That's right, they lied, with witness present. I also requested a statement of what fees I was required to pay and was told by Tara **, the dept. supervisor, that they could not do that. They refused repeatedly. So in other words, they told me to blindly wire the money to the bank and then they would send the paperwork. It sounds like a scam the federal government warns honest citizens to watch out for. To top it all off, they required my payment to be increased from $611 each month to $1,460 each month. That sounds fair and helpful. Take $4,500 in fees and more than double my payment so I will still lose the home. They are all criminals.

I would recommend Midland Mortgage to not one soul that does have a home or is thinking of buying a home. These people have no customer skills and do not even try to make things easy in dealing with them. They operate under the old premise of "my way or the highway". They are a modern day version of organized crime. In the old days, they would be referred to as loan sharks. They are blood suckers on humanity. They are a cancer as worse as you will ever experience. There is no cure for them. Do not do business with these people under any circumstances. They are bottom-feeders.

These turds want me to buy flood insurance on a property that I have owned for a while and never had or had to buy flood insurance on. I smell something in the woodpile. It’s all a conspiracy I can see by reading through a lot of other comments that they are making a ton of money by doing this. I called them and all they can do is blame FEMA. I’m seriously thinking of just gutting the place and taking a foreclosure and leave them holding the bag with their flood insurance.

They keep wanting me to buy more and more flood insurance to match my homeowners insurance. I already have a $1,000 or more in flood insurance and I just can't afford any more. My husband has MS and I had a triple bypass. My house is only worth $40,000, and I don't have the money for insurance. I hardly have enough for the medicine I need. Is there anything that can be done about this? Thank you for your time.

If you are a first time home buyer and you have a choice of mortgage companies, please don't choose Midland Mortgage. You will have difficult times on the way they will put you on direct contact with their customer service department personnel and it will not be a good experience. They just don't have the necessary knowledge to be able to explain and resolve situations. They take a position which is not only embarrassing for Midland, but also borders on abusive and humiliating control over the customer. I know that this behavior is going to end up costing the company but unfortunately, they don't have the tools to make the changes needed to survive and so, we will see them in the news when they get to the point of no return.

Today is 4/8/2012 and it is Sunday. The computer software will not let me make a payment. It is 5:07 PM. First, it was not allowing me in and asking me security questions that were not pertinent to me. Then, it was saying that my SS number was incorrect. I finally was able to ask for different security questions, logged into my account, put in the correct account payment information, and it tried to get me to accept a payment date of 4/9/2012 of which Midland would charge me $10.00. I hate doing business with Midland.

I don't want to pay for my home and Midland and HUD are forcing me to make payments. I'm always late with my payments, but I can't understand why they are making me pay for my home. I thought Obama was going to give everything to us. I can't believe it.

I was told there was a $20.00 fee to make a payment by phone, but that I could make a payment free online any time. I logged on Midland Mortgage’s website and there was a $10.00 fee. I called their office and was told they would not waive the fee on any circumstances. It is company policy to never waive the fee and that it didn't matter that the representative misrepresented the website. They refused no matter how wrong they are or how good a customer is. No customer service. No care for people. It’s their policy!

My old mortgage company CitiMortgage sold my mortgage to Midland Mortgage. Midland Mortgage sent me a letter, explaining where to mail my first payment, or how to make it online. I made the first payment online, and now I can't get to the website to make any more. Midland said they would mail me a payment voucher, and so far, since December of 2011, I have received one. I called and was told there would be a $15.00 charge to make my payment over the phone.

I'm not able to log into my house loan account online. I logged in once and have been blocked ever since. It is my dead's wife and I's home. Why shouldn't I be able to go over my account as I wish?

A loan modification agreement turned into credit report nightmare. I agreed to a loan modification with payments being raised and have made every modified payment on time since the time of agreement. Midland Mortgage continued to report my payments as past due for 20 months, although my payments were sent on time every month. My calls have not been answered and I have sent another letter by fax to the loss mitigation department expressing my issues again to no avail. Their credit reporting has put me in a financial position so no other mortgage company is interested to refinance because of my now bad credit score.

It took 15 months just to get a 3 party authorization change on his loan, removed. We got control of your finances. We called to have these people taken off our loan. They told us to mail a letter and have them removed. This was Sept. 2010. I waited a week and called (like it has been stated above it takes forever to reach anyone). They told me that they didn’t have the letter, so I waited for a long time until April 2011. I asked them what was going on. They told me they never got the letter. So, we sent a registered letter (so I knew who gets it). I called and they said that they didn’t receive it. I said, “What? I have the card right here saying who side for it, what time.” They still said they didn’t have it. Then, they said to fax it, so we just let it go.

The opening agent was Lori ** and the closing agent was Andrea **. The closing was on October 26, in which a promised $690 interest rate credit was not given and an additional undisclosed fee of $475 was added.

We had roof damage and contacted our insurance company. They assessed the damage and send us a check (to be endorsed by us and the mortgage co.) for the amount. I filled out the paperwork including the bid for repairs and sent them the checks with the paperwork. Fall was coming and we felt we had to act on the roof repair so we paid "out of pocket" to have the work done. It was completed. We have a manufactured home. After several weeks we contacted them and they said they have to do a title search to get the VIN number. It does not have one, as our home as it is not a motor vehicle. So they will never get a VIN #. We feel they are just stalling and holding the funds and drawing interest on the money. We need to get our money back. Can you help us?

In April of 2011, we suffered damage to our home from a natural disaster. Our insurance adjuster estimated our damage to be nearly $15,000, and made the check out to both myself and midland mortgage. After sending in all required paperwork, it took nearly 2 months for midland mortgage to finally send the first disbursement of money payable to the contractor, who mind you had already replaced the roof. Once the contractor deposited the check, Midland denied him the fund, because he did not correctly endorse the check.

I cut a deal to get back on track with my mortgage payments in early June. I made my required payments in May, June, and July. On August 8, a gentleman was at my door, saying he had bought the mortgage on auction on the courthouse steps the Friday before. News to me. It was a shock, since I assumed my payments were up to date. One attorney said that, because I didn't have a Midland staffer's signature, I was screwed.

I had been laid off of my job of 12 years so I called Midland Mortgage to ask for help and to see if they could offer any re-modification program. The agent that I spoke with went through the entire process of having me to fill out all this paper work. When she called me back a week later, she stated that I was approved for the forbearance for four months and I would not have to make a payment until August 2010.

Like others, my mortgage was sold by another mortgage company to Midland Mortgage about four or five years ago. In late 2010, I was informed by Midland that I was behind one payment and was charged a late fee. I was not able to figure out what month I was supposedly behind, since I had been paying on time for at least a year and no longer get my canceled checks. When I asked Midland, they told me that they did not have the ability to determine what month. I continued to be charged late fees each month. They eventually sent me a computer print-out of my payment activities, etc., from the past year with little help to me.

On March 4, 2011, I sent Midland Mortgage my payment. Approximately 45 days later, I received a letter stating that they have not received my payments. So, I called and told the CRS that the payment was made; and gave him the cashier's check number. He stated that they still have not received the payment. I went to the bank and had them re-issue another check on May 2, 2011 to replace the March payment. This time, the bank mailed the check and contacted Midland to make sure we have the correct address. Then, I mailed my April's payment on April 10, 2011 knowing that this time, they will receive the payment from the bank, and continue to make payments (May 2 for May's rent, June 1 for June's rent, and June 25 for July's rent). Well, I received another letter from Midland Mortgage that was dated on June 2, 2011, stating that my bank was trying to inquire about the cashier's check that they mailed off on May 1.

GMAC sold my mortgage to Midland Mortgage. Always payments on time, never late. GMAC had pay by phone, manage your account on line and always helpful. Midland mortgage is awful. They do not explain anything to you, the customer service needs training. I cannot manage my account on line or pay on line; you cannot make a payment over the phone either if you are set up with auto payments. I had problems early in the month and told to pay be end of month to avoid neg. rating. I wish lenders would not sell accounts unless you are a risk. This puts undue stress on people that try to pay on time. I cannot believe Midland does not have the capability to establish with the times as GMAC and other big mortgage companies. Also they want all the payment together not 1/2 and in two weeks the other 1/2, or principal first and interest in 2 weeks within the same month.

Midland Mortgage does not have online payment and charges $15 for mortgage payments that are phoned in. Payments that are mailed are often received after the late date according to Midland. So I always use priority mail which costs about $6 with delivery confirmation or phone in my payment which costs $15. This should be illegal because there is no way that this company should be allowed to get away with charging $15 to take a phone payment when they do not have an online payment service! Sue the jerks!

Midland gained my account from my original mortgage company. The experience these last two years have been a nightmare. They do not post payments when sent and charge late fees. I send partial payments and they refuse to apply the payments. I was told by the workers that they are under staffed and place the money in accounts for a few days and send the money back to the customer. Then they would add late fees.

The company Midland Mortgage sent us a notice, stating that we needed to pay an amount of $2,152.00 due to unpaid late charges. I have a bank account that pays the company electronically. The letter claimed we have yet to pay for the month of September in addition to previous months. I did pay for the month of September on the 10th to prevent any late fees that would apply after the 16th each month and I have attached proof that it was done electronically.

Midland purchased our home loan. At the time, we had automated transfer of payment, that was taken out the 5th of every month. Midland, in the beginning, was taking the payment from our account on the 5th of every month, however we noticed the payment is not taken out, until the 16th of every month. We pay an extra $300 a month on the mortgage, so that the house would be paid off early, but because they do not take the payment when they are suppose to, we are paying more interest, and less on the principal. We want to have our bank make the payment, at the first of each month, but have been unable to talk to anyone to have the automatic transfer stopped. The website is down, and who knows when it will be up and running again. We are being cheated out of money, and would welcome any advise on how to stop this madness.

I was laid off in March, 2009 and I have not been able to get a permanent job to date. In April, 2009 I phoned Midland to inquire about Mr. Obama's help with the mortgage. They put me on the unemployment program and did not tell me all the facts. In June, 2010 MG told me I needed to pay $1315.00 by 6/15/2010 to keep my home out of foreclosure. I sent the $1315.00 and all of the paperwork he ask for overnight USPS. Called day after day and was not able to speak with him. Receptionist confirmed paperwork was received and the check was cashed by Midland. I assumed all was ok and if not they would send me a letter or call me.

I have received money from insurance company over 4 months ago to repair my home and still trying to get $1192.50 to finish paying for the repairs. These people are stealing from us. I’m about to go crazy, I just want my money and my home fixed.

My monthly payment is due to Midland Mortgage by the 15th of each month. They received my payment that month on the fourth. Their employee reversed the payment by mistake after it had cleared my bank. They mailed me a letter three months later to inform me of their mistake. My bank faxed them the information stating that they had indeed received my payment. If someone had phoned or written sooner than three months, I would have this problem. I have talked with several employees there but no one knows anything. I have sent $250.00 at one time and extra money with my payments but they are still carrying me a month behind. I cannot do my part of paying on time and worry if they have employees that can keep records.

After working hard for the old AT&T, I was downsized. With 2 Masters, I had trouble finding work. I went through my stock, my savings, and my 401k to maintain my house payments. Came August 2009, and I could not make my payments on $137 a week unemployment. Thank goodness for the extensions, but that just paid gas for the car to go to interviews and my generic medicine for diabetes and some food. There was no heat in the winter, nor AC in the summer and no TV (much less flat screen with surround sound).

I went to their website to setup my account for auto draft payments. After completion, I received an online message stating to continue making payments until receiving confirmation from Midland that the auto draft setup is complete. Well, I never received any confirmation and they auto drafted a payment causing my bank account to overdraw and costing me hundreds of dollars in overdraft fees. I then suspended the auto draft setup. However, the following month, since I was broke because of them and now running late, I called to make a payment by telephone. Well, it wouldn't let me because it said I was still setup for auto draft and would not accept a payment. Also, when making an overnight mail payments, they don't credit my account until way over a week later. Probably so they can ruin my credit and charge late charges.

They have gone up on my payments from $960.04 to $997.22 starting August 1, 2010. They say my insurance went up before my insurance person even knew, only around $70.00. Well I have escrow with plenty to spare. Now my taxes went down a good bit. I got a letter saying now, my county taxes will will drop 40% starting in December. Property value drop. Midland Mortgage is charging late charges via posting our check late or saying I either spell out the words or# wrong. I told them to send me the check back, but then they tell me they destroyed it.

When a first class letter is mailed from PA, it should take 3 days to reach it's destination in OK . Why do they wait for 16 to 20 days to cash my check? Then of course there is a late fee. My credit is affected due to the delay.

My mortgage was switched to Midland Mortgage Company in November 2008 from GMAC. I was never late with a payment with GMAC. I received a letter stating to continue to make payments to GMAC until I receive my payment book from Midland Mortgage. I never received my payment book or a loan # or an address to send payments. My first correspondence letter from Midland was a foreclosure threat that came in the mail in January 2009.

There's hail in August. A check was sent by the insurance promptly. They refused to return the check, as they insisted that they needed to disburse funds since it was $300.00 over damage limit (not on the original loan agreement I signed). I talked to them about my deductible, taking it below limit.

My home mortgage was sold to Midland Mortgage by GMAC Mortgage in 2008. During 2009, I ran into some finance problems that caused me to not make my house payment for several months. On October 26, 2009, a letter was sent to me explaining that Midland was preparing to refer my loan to an attorney to begin the foreclosure process. On November 27, 2009, I sent a personal check in the amount of $7855.20 to cover back payments, which was received by Midland on December 01, 2009. After sending the personal check, I found a letter asking that if I make back payments that I pay by cashier check to the firm that was handling the process.

GMAC sold my home loan to Midland Mortgage Co. in December 2008. They said that they would be sending them the December 2008 payment and that Midland would be sending a letter. My bank had been sending GMAC payment every month. Midland did not send me any letter so I could transfer the monthly payment. I called GMAC to get Midland’s address and phone number. Then I called Midland to get an address to mail the payment. I mailed Midland payments for January 2009 and February 2009, which they finally wrote me a letter to say that they only received one payment. They charged me a late fee on the missed check. I finally received a payment box in March so I could send them payment with a Loan number. They gave me credit for the late fee, but sent a report to the Credit Bureau that I do not pay my bills. I received their letters in March 2009, which they said that they sent me their letters in November 2008.

We are dealing with damage done to our home by a hailstorm on 7/31/2008. Our insurance company was very prompt about processing our claim and providing a settlement; however, Midland Mortgage (our mortgage holder) has caused difficulties throughout the entire process. Initially, it took over 2 months for them to return our insurance funds despite the fact that estimates, etc. were included with the checks. One service representative laughed at us and said, "Well, it's only September. What's the rush?" By the time Midland Mortgage returned our insurance money, it was the last week in October. We got hit with a blizzard on November 5, all of our supplies sat in a snowbank all winter instead of being on our house. Their inefficient actions forced us to get an extension on the insurance claim. This spring, once again, we began the process of repairing our home. Again, we were forced to wait 1 to 3 months to get our insurance funds to purchase supplies.

Well, it’s my loan with GMAC (General Motors Associates Community). They sold my loan with an impeccable record of payment history by electronic wire. When Midland picked up my loan in November 2008, I was notified why the wire transfers were not carried to that bank. GMAC said it would not help in the matter, so they stopped it and they would transfer the wire one time but no more. At this time, I then had to mail out payments to Midland and it appeared this is where the trouble began. Many checks were returned with troubling address or zip codes, but I must say they were helpful in assisting me when I called. But I never got the necessary paperwork to get a new wire transfer going. So ongoing payments in some cases would come back to my house.

I had storm damage to my home last June '08, and Midland Mortgage wanted me to give them info from the roofer, but I couldn't find anyone to give the info without a deposit. I hadn't worked full time in a year due to a heart condition. I had to cash in my 401k in order to catch up my mortgage payments. They still wouldn't sign the $6000 check that I had. Now, my home is in foreclosure and it is going to be sold at a public auction on 9/2/09. I still have the insurance check. Once the house is sold, who gets the check, me or the mortgage co.? My roof has been leaking for over a year now. The house is being sold as is.

We were unable to continue to make our mortgage payments and did everything possible to have them help us. We had to move due to a deed in lieu, and now, we find out that they our account as a foreclosure. My wife did everything we could to negotiate with them, and they would not budge. Now, we have bad credit. I have never been in default. Our credit is ruined, and we cannot purchase a home for our family for a long time.

They do not post mortgage payments on time. They consistently charge late payments because they don't have the personnel to process payments. I have been told this by their reps. By the way, I was fortunate enough to get through on the phone. I have sent a complaint to FHA and my district attorney on this fraudulent practice. I am now being charged $300 for late fees which was attached to my mortgage.

Our house was refinanced with GMAC in November 2007. Earlier this year (2009) we received a letter from Midland Mortgage stating the loan had been transferred to them. How this happened without our permission we still do not know. Payments were being drawn from our bank account by Midland for a couple of months after this letter arrived, and then they stopped and we consequently missed a payment.

First Horizon Home Loans sold my mortgage to Midland Mortgage Co. They did not provide adequate prior notification of the change and by time I set down to pay the bills for the month my account was in limbo between the two banks and I can't get information on it. The new mortgage company has hung up on me twice when I have tried to call with questions.