Midland Mortgage

by Anonymous From Wellington, KS on August 13, 2008

Yes, we are looking at legal action against MMC. They destroyed our payments and sent us a default letter last month. We were not and are not behind on our payments. In fact they posted a payment and then deducted it twice and never posted it back to our account three years ago. So, we actually are paid ahead by a month because of this. Yet they are still saying we are behind. We have paid late fees for the past three years because they have rolled them into our payments and we didn't realize it. We have had problems with MMC since our loan was sold to them. From what we have read in the last couple of days at this and other web sites, it would not do us any good to attempt to pay off the mortgage. We only have two years remaining on it and could pay it off in about six months. They are showing that we owe hundreds of dollars in late fees when actually they owe us all late fees we have paid them not knowing the situaltion with that extra payment. So we have to take legal action in order to clear our account so we can pay off what we actually owe. They have hit us during a time when unexpected medical issues have really taken us down (not financially but physically and emotionally. We have had enough. Also, looks to me like the positive comments that have been posted here are probably employees of MMC. They are from Oklahoma too. We have a few things to do right now but will be trying to contact others who have had problems because we feel very strongly that the practices of this company must be stopped. We have read too many similar problems from too many homeowners. My suggestion is to contact every government official you can think of and don't give up. Our comments here are minimal as to what we have been through with this company. Also, take a good look at MMC's corporate reports. There has to be justice.

by Deborah Samra From Fortson, GA on August 10, 2008

They have 51 suits filed against them for withholding peoples payments, posting them after the cutoff date for being late, returning payments back to people who have paid them. Not recording all payments made and not depositing payments into peoples escrow accounts. They have been trying to foreclose on people's houses because of mistakes that the mortgage company has been doing on purpose. If I could get out from under this mortgage company I would!!

by Anonymous From Zanesville, OH on August 03, 2008

by Johnie From Oklahoma City, OK on August 01, 2008

They are even worse to work for!!!

by Anonymous From Baltimore, MD on July 23, 2008

Very rude..my loan just got transferred to them from my original lender. Waited till payment was late to post to my account. Girl, Mary, on the phone was snide and condescending. Will refinance in the Spring to avoid this company.

by Sunye Greulich From Mastic, NY on July 12, 2008

My mortgage was with Homeside lending and I had no problem. Then it was sold to Midland Mortgage. As soon as they got the loan they deducted two payments I made to homeside lending. I did not find this out until I went to buy a new car two years later, because I never got a statement or was notified by them. They tried to say that I owed them two months and that my checks bounced but I never sent checks. I pay by money orders and got back the proof that the money orders were cashed. In the end my credit was ruined. And I had to get another mortgage company to get rid of Midland Mortgage and their fraud. I was not about to pay two mortage companies for two months mortgage. Midland claimed they were going to credit me back the two months after I hired a lawyer but I never saw the credits. And they tried to foreclose after I discovered what they did. Good Luck to anyone that has to deal with them.

by JEFF BERGMAN From Corona, CA on July 10, 2008

They do not have an online payment option available. Their customer service has been good so far.

by Anonymous From Wallingford, CT on June 03, 2008

Midland is a pack of thieves! They won't set up payments online, they won't let us split our payment into two per month, and they automatically withdrew our mortgage pmt today after they told us last week they would not -- we requested that it be stopped -- the bank says there is nothing that can be done -- but they have also heard lots and lots of complaints that are ethical in nature -- Maybe it's time for a class action suit against these folks? We had our mortgage sold to Midland -- why can't we have some say-so in who our mortgages get sold to -- if there were that option, maybe these idiots would straighten up! And I am am sick to death of talking to people in India who are RUDE and can't speak an English that I can understand! Enough outsourcing already!

by Anonymous From Riverside, CA on May 27, 2008

by Linda From Charles City, VA on May 23, 2008

We have been with Midland for 8 years and have never had a problem with them. If I send the payment in before the 7th of each month the check is posted on the 16th of the month. We have never been charged late fees. I have never had to call them for anything so I can't comment on their customr service. But all in all we have not had any problem with them.

by Kimberly Cole Zemke From Montgomery, AL on May 15, 2008

They are horrible. My father passed away three years ago and we have been trying to get the house into my mother's name and they REFUSE to help. I think they want to steal the house right from under my mother, she has NEVER missed a payment we just want the house in my mom's name I have sent death certificate on my father, will, trustee appointment by the court papers everything! they refuse to help us. Any advice will be appreciated!

by Byron Boone From Little Rock, AR on April 25, 2008

I feel like they could have worked with me better since i've been their so long

by Anom From Norman, OK on April 12, 2008

*An important point: Banks,mortgage lenders, etc...NEVER want to do foreclosures. They sucks..For the individual homeowner as well as the lender or servicer of the loan! My suggestion would be to try and work out some type of different payment, a lower interest rate on the loan, a "cease" period of payments. The bottom line is that companies do not EVER want to do foreclosures. The company never gets the "true" value back and they LOSE money on foreclosures.

by Anonymous From Memphis, TN on April 09, 2008

I have had some much over the past 6 yrs. and Midland has always worked with me..but I have no way to come up with this money.

by Patricia Lane From Millville, NJ on April 09, 2008

I am very dissatified how this company is. I would not recommend them to anyone

by Anonymous From Winona, MS on April 01, 2008

by Neil Sartor From Mount Morris, MI on March 31, 2008

by Chris S From Aurora, CO on March 30, 2008

I’ve experienced the same problems with Midland Mortgage. My original loan was with Irwin Mortgage and sold to Midland 4 years into owing my own home. When Midland took over they refused to send me payment booklets, or notify me of their terms. It took me three months and 15 plus phone calls before I receive my first coupon book. I was informed by their representative that coupon books were a courtesy and they would try to get a booklet out within the next 6 weeks. The problem being my rate also adjusted up and I built up late fees. Their customer service representatives are RUDE and have a serious lack of follow through. Furthermore, I have mailed my monthly payment 15 days before the due date and have found they will hold the check for several weeks before depositing, then charge me late fees. It's kind of funny everyone else is paid ON-TIME. This has happened more than 6 times, which equates to over $700.00 in late fees. Perhaps someone should evaluate their fraudulent accounting practices. The great American dream is to own one’s own home, and Midland’s great dream is to screw you out of it!

by Toriy in Co From Aurora, CO on March 23, 2008

I found this site becuase I have suspicions and serious concerns about Midland Mortgage. I don't know which is worse - calling customer service in India or speaking to a Midland rep! My loan was bought out by them against my wishes. I was with Irwin Mortgage and they were AWESOME and never had a problem. I make my payments religiously, have good credit and from day 1 of the transition, they were difficult and RUDE and didn't want to take the time to answer any of my questions. My loan is due to re-set in less than a month and I can't get anyone on the phone and they haven't sent me anything in writing. Im extremely concerned about what will happen.

by Shannon Chiera From Cape May Court House, NJ on March 19, 2008

by patricia williams From Wilmington, DE on March 13, 2008

by turney From Columbus, OH on February 15, 2008

midland mortgage sucks they are loan sharks and are out for blood.

by Maded From Cincinnati, OH on February 12, 2008

Midland Mortgage aka Midfirst Bank are bottom feeders. Judgment day will come soon for all those that help them in the lowest of low activities.

by Anonymous From Crowley, TX on February 02, 2008

When I have fallen behind on my payments, they have been willing to work with me. When I divorced, I had to refinance my house or sell it. I called Midland to see if they could refinance it for me and they said that they quit refinancing a month ago. I don't know if this is actually the case or they just didn't want to help me.

by Anonymous From Lakeside, CA on January 28, 2008

Midland has been great with us. We were with Chase Years ago before they sold the account. Midland is always willing to work with us. Were you kind to them on the phone? Or did you complain right off?

by Anonymous From Pendleton, OR on January 25, 2008

I agree with everything i've read about midland mortgage as far as they are a bunch of crooks. The reason they don't process your check, money order, or cashiers check right away is because they want you to have problems. They want you to struggle and barely get by or just go in the hole. It is the only Mortgage i've ever dealt with that won't take half or partial payment to help you get caught up. And i've bought four houses. I could talk about it all day and bring up all the bad points about Midland Mortgage, however what bother me more than Midland is are Gov't allows for business's and company's like these to exist. At what point does this great nation of ours step in and protect the people that built it.

by Mike From Washington, DC on January 23, 2008

Midland mortgage is another ENRON. Midland Mortgage got my loan from American Home Mortgage about two months ago. In the two months my payments with up and down. I got three coupons books with different payment amounts. I plan on taking Midland to small claims court to recoup my over payments. Something has to be done about Midland. Please write your attorney general, copy the Ok. attorney general. I understand that people need jobs, but how can the employees do so much bad that troubles their own family around the USA. Maybe we can get some of Midland employees to turn on them in court. I am look for people interested in an class action lawsuit.

by Anonymous From Oklahoma City, OK on November 15, 2007

1st of all the servicer, Midland Mortgage, does not get your house at foreclosure. Money is lost every time a fcl is completed. 2nd do you expect a mortgage company to allow you not to make your payment and just continue to let you live in the house? FHA and VA have rules that the servicer must follow. Take some ownership of you mistakes and if you can not afford the property sell it. If in fact there is equity you should have no problem selling your house and paying off the mortgage company and finding a home within your means.

by Anonymous From Broken Arrow, OK on November 14, 2007

They are a terrible mortgage company to have to deal with. they never return phone calls, when you do get a hold of someone they are snippy and give you a song and dance excuse why they are taking so much time to process your paperwork. they are not willing to help and we are done trying to get them to cooperate. Take my word for it - don't choose Midland Mortgage as your lender.

by c w From Greensboro, NC on October 24, 2007

i have contacted midland mortgage on several occasions,no one will call back,i have lost one parent in January that plus large health problems and bills,caring for another parent also with health problems,having to change jobs 2 years ago,present job not paying the same and i contacted them about paying half of the mortgage at the beginning of the month and the other half at the end of the month have not heard from them except for a letter about foreclosure,a lot of mortgage companies are now into splitting your payments in half every month,this one is not even responding to me i am trying to save my home.what else am i supposed to do.

by Anonymous From Miami, FL on September 27, 2007

by Christina From Thomasville, NC on July 24, 2007

Yes,I am dealing with Midland Mortgage,they have very poor customer service. We are behind on our mortgage,they sent us foreclosure notices saying in 30days that if we do not pay the amount that we owe they will foreclose. I contacted them and finally got a hold of someone,saying we do not make enough income for them to qualify for any assistance. Then I have another person tell me we do qualify for assistance but I need to send them $510.93 certified check and then they will be able to tell us what kind of assitance we can get. So I send them a check and call the person back to give them the tracking number of the package. No one returns my phone call,so finally after making several phone calls I get to talk to someone,they tell me that they can't discuss the plan until the check post on their computer. It took them 2weeks to post the check and for them to discuss a payment plan. They could not tell me what exactly the money I sent them was being used for. What is so secerative about the plan. I mean we are trying to save our home,and they act like they don't care. In the end come to find out that the check had posted the very next day after sending it. Very poor customer service,lack of communication,they like playing games with peoples lives. Hopefully the plan they have worked out for us doesn't change because it has before in the past. Also buyers beware when getting a mortgage,you just might get screwed if not careful.

by Jim Dennis From Brunswick, GA on July 06, 2007

Looks like a pack of crooks. Deception is just one serious problem.

by Anonymous From Springfield, OH on July 05, 2007

Midland Mortgage has the worst customer service and cares only about how much money they can make. they concentrate on houses that have high equity in them when they buy loans then wait for the owner to have problems so they can foreclose. this company knew ahead of time that i was going to have problems making payments, and promised a workout plan. they neglected to tell me that I was not eligible for fha/hud programs while having a negative cash flow. they never returned my calls for 3 months, once they found out about my inability to pay. then foreclosed on my house without ever sending any type of warning. now that I have a positive cash flow again they have promised to work out a program but want $3000+ up front. how can i come up with that kind of cash when i have had a negative cash flow for 4 months? my house has about $30,000 in equity in it, hmmmm, maybe that is why they never returned my calls and do not want to work out a plan.

by Anonymous From Fayetteville, NC on April 09, 2007

Midland Mortgage is run by a pack of thieves who steal everything they can illegally and there is to many people in there pocket. All the attorney generals, representatives for the people are not there for the people they are suppose to represent. Everything I've heard on Midland Mortgage is true and they are getting worse every day because no one will stop them. When I went to officials in OK City, OK they said they never had a complaint on Midland Mortgage. No one will do there job and go after them. They destroy every homeowner they can and will continue to do so until someone in the government does their job. We all need to band together to try and put midland mortgage out of there business of stealing homes and equity. Is there any justice out there????