Mortgage -- Struggling to pay mortgage -- Complaint #20699552
Complaint Overview
Complaint ID: 20699552
Company: Midfirst Bank
Product: Mortgage
Sub-Product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-Issue: Foreclosure
State: California
ZIP Code: 92651
Date Received: 2026-03-26T12:00:00-05:00
Date Sent to Company: 2026-03-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
A Notice of Default was recorded on XX/XX/year>. Since that time, I have made multiple good faith efforts to resolve the default and avoid foreclosure, including requesting loan modification review and submitting a RESPA Notice of Error/Qualified Written RequestXXXX XXXX XXXX has repeatedly provided the same or substantially similar modification terms without addressing affordability concerns or providing a meaningful evaluation of my financial situation. The offers presented are not viable and do not appear to reflect a proper loss mitigation review. I requested a complete and accurate accounting of my loan, including escrow history and any HUD partial claim balance, as well as documentation supporting their modification decisions. These requests have not been adequately addressed. Despite active efforts to resolve the matter and ongoing requests for information, the loan continues to progress toward foreclosure without proper investigation or resolution of the issues raised. I am seeking a full review of my loan, correction of any servicing errors, and a good faith evaluation of all available options to avoid foreclosure.
Frequently Asked Questions
What is Complaint #20699552 about?
Complaint #20699552 was filed against Midfirst Bank regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2026-03-26T12:00:00-05:00.
How did Midfirst Bank respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against Midfirst Bank?
Yes, visit the Midfirst Bank company profile at readthecomplaint.com/company/midfirst-bank to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.