Midland Mortgage

by patty From Omaha, NE on December 21, 2009

WORST COMPANY!!!!

by Anonymous From Douglasville, GA on December 12, 2009

midland mortgage have's very poor customer service

by Satisfied Customer in OK From Edmond, OK on December 05, 2009

Attn: Midland Mortgage does not own your loan. It is just a servicing company. Any changes in your payment are likely due to an escrow shortage, which usually has to do with your local taxes. Take it up with them. Midland cannot do anything outside of what your original loan states, so it is up to you to read your loan or have someone explain it to you if you are so ignorant that you signed it without understanding it! Do not expect a mortgage company to make your payments for you. Not only did MMC not accept any 'bank bailout' from the government, they also do not make any money off of the home being foreclosed on or sold because they do not own it, they just sevice it! There is an exception and that is if your loan is through Midfirst Bank, which owns MMC. Look at your paperwork people, it's all there.

by Anonymous From Kyle, TX on December 01, 2009

They never call you back and they do not take payments online. When I fell behind I tried to make a partial payment and they informed me my payment would be returned because they couldn't take partial payments.

by cecil meade From Warsaw, IN on November 15, 2009

by Mika From Oklahoma City, OK on November 03, 2009

If you are whining about Midland not servicing your account correctly: 1) find out what type of loan you have 2) look up servicing guidelines for your loan type 3) check your loan regulations / This will clear up allot of issues. Damn homeowners... if you're going to buy a house then at least find out what's involved with it. Don't make up your rules and expect your mortgage company to go by them. They have servicing regulations they have to follow.

by eliza hyde From Montgomery, AL on November 03, 2009

I tried to work something out with them. I even sent in a payment to them before I filed for bankruptcy. The check was returned.

by Anonymous From Fort Stockton, TX on November 01, 2009

My loan from Cendant Mtg. was sold to MMC 8 years ago. I have always sent my pmt. on time in the mail and have never had a problem with getting it posted. The customer service does leave a lot to be desired however.

by Anonymous From Bristow, VA on October 29, 2009

OMG People I'm sitting here reading these posts. I hate it when the only people we see get to post is negative information...WOW Sounds a bit one sided. Read your freaking mortgage contract YOUR PAYMENT GOES UP BECAUSE OF ESCROW (TAXES AND INS) not because they decided oh lets make more money. Blame your county assessor and local insurance carrier. And please I cant make my payment blah blah blah my mortgage company should modify my already affordable home payment because everyone else is doing that..HELLO they are a company trying to make money just like any other company. Like they want the crummy 2 bedroom 1 bath with damage that they would lose money on with a foreclosure. Wake up and take responsibility for your own actions your an adult you signed a contract HONOR IT!!!!!

by Diana From Kansas City, MO on October 20, 2009

Midland Mortgage is the worst company I have dealt with. They shot my credit down to the 500's. I was behind on my payments and was laid off. They said they would work with me and I could make smaller payments and add the difference on to the end of the note. This was after they raised my payment by almost $300/month with NO explanation. The payment was only lowered by about $100. Mind you I had NO income. They stated that they would be foreclosing so I put the house up for a short sale with a private agent. they gave her 90 days to make a sale but, in the end made her take off the listing after only 60 days. They said I had to be out of the house by the end of May 2009. I was lucky enough to find a nice person who would rent me a duplex. Thank God because I had no where else to go. I am a single mom with no job still! I moved out and after several months and dozens of phone calls to find out what the hell I am supposed to do now I finally received a message from someone. All they said was their name,number and to call them. I returned the call the next day and got a voicemail. This was over 4 months ago. I still have not heard anything form this "professional" company and my house is still sitting vacant and I'm still responsible for whatever happens to it. I bought it for $122,000 in a brand new development and it is not the only one vacant. Whenever I had contact with them in the past, they were rude,didn't know what they were doing or they had also stated that they didn't receive payments. My real estate agent has also not heard from them either. I hope the government sees this company for what they really are...con artists!! I hope that anyone considering using this company reads these blogs and starts running. Don't get stuck in the same place we all are now!!

by gerardo Velasquez From Temecula, CA on October 20, 2009

by candiman From Homestead, FL on October 17, 2009

i am a disabled vet just back from kuwait/iraq. while i was deployed, my wife lost her job and midland mortgage put us on a loan modification. they said the deferred amount would be put on the back of the loan when i got back. i made all payments and they reported me good on my credit report. when i returned they immediately put my loan in foreclosure while i am still covered under SCRA. now i have to hire an attorney and fight them in court. i want to file complaints but don't know who to contact. i plan on going to the news, state attorneys, and the va for help. the military has no one to help. not even jag is able to help. what a joke. HELP!

by Waiting From El Paso, TX on October 16, 2009

Midland customer service agents are rude and do not know anything other than read the web site or I told you already did you not understand> the insurance claims is long and the refund is weeks. Midland holds the return check from to build interest in the bank. Like the average person can not figure it out!. I am getting out of this mess today, they suck ass

by Anonymous From El Paso, TX on October 16, 2009

by Anonymous From Westerville, OH on October 11, 2009

my loan was also sold to midland... Midland has once lost $15,000 of payments sent to them, took them at least two months to find, and now have collected double interest for 4 years while account in chapter 13 ... was court order to apply said 'extra interest' ($5,000) to the principle due and they claim to know nothing of this. The court, my attorney, and myself have sent multiple notices over 5 months and made multiple phones calls to both the customer service and their council WW&R to comply to court order and still nothing, they now have over $6,000 over the last 3 month they claim they haven't received either. The trustee office has records of when the payments were sent. I've had my money deducted straight from my paycheck and it's never been missed in 49 months. My house is now in contract for sale because I WANT FAR FAR AWAY from this mortgage company, any of them at this point while the government is involved with helping them manipulate and rob people. They have over $10,000 of my money they are not reporting at the latest payoff balance. On another note, they've threatened to charge for having less than "A" rating home owners insurance, I have All State!!! After my agent contacted them , they said it was a mailing mistake... bull. They have A LOT OF MISTAKES... Also, customer service..conveniently disconnects the phone call many times when trying to discuss the discrepancies in my account. How convenient for them. .... THEY ARE, I'M SURE, IN VIOLATION OF SOME BUSINESS LAWS... looking into it. God Bless all of you that have to deal with this company. It has burned me on ever wanting to trust a bank ever again.

by Anonymous From Gibbon, NE on October 05, 2009

by E. Stewart From Sapulpa, OK on September 21, 2009

As a real estate agent for 36 years and having dealt with many mortgage companies, I speak from a knowledgeable position. Midland Mortgage Co. is by far the worst company ANYONE could ever deal with. I have read most of the comments posted here AND heard even more from numerous customers over the years. I have no idea how this company could possibly be in business. Someone must be greasing someone else's palm. That is the way it works, right? Every negative posting here is absolutely true. You must have to pass a "nastiness test" to work at this company. I feel soooo sorry for anyone that finds themselves at the mercy of Midland. My personal opinion is that the company is crooked, their employees are well trained liars, manipulative and abusive. I would not be able to hold my head up or sleep at night if I worked for such a place.

by Anonymous From Indianapolis, IN on September 14, 2009

Horrible and utterly unprofessional - know one ever knows what's going on with your loan!

by Bowman-Columbus, Ohio From Columbus, OH on September 08, 2009

House was in Foreclosure; everything paid to date. Again behind and Midland threatened foreclosure. Told if went 8 months without missing payments, loan could go through refinancing. Interest rate is 10% and all Midland keeps doing is raising the monthly payments. Listing on website they are only refinancing states of AR and OK. What is the problem with all the other states?!? This loan was previously GMAC. After becoming Midland, payments have increased close to $200/month. Apparently, reading the other comments/ratings, President Obama needs to do something about this Mortgage Company. How many comments have to be posted before action is taken?! UPON POSTING SEE THAT THIS IS A FORECLOSURE COMPANY. IS THIS LINK IN ATTEMPT TO ONLY GET BUSINESS?

by Anonymous From Newark, DE on August 31, 2009

Awful, awful, awful service. Never had any problems with First Horizon, but when account was sold to Midland, I've had nothing but problems. They received my check for which I have USPS signature confirmation, yet they never processed it. Another check was also sent, but that one is also missing. Strange how this happens now that Midland is servicing my account. To make matters worse, I get served foreclosure papers. Nobody called and no other letters were received indicating there was an issue. I will be filing claims through all legal channels, including the OCC, BBB, and Attorney General and plan to contact an attorney to inquire about recouping the legal fees that I had to pay in order to have the foreclosure dismissed. Utter ridiculousness. Perhaps the media should be included in this as well. With all of the recent credit card legislation going on, perhaps investigation needs to be performed on mortgage practices, specifically those of Midland.

by Anonymous From Birmingham, AL on August 27, 2009

You cant make payments online, they're never wrong, they post payments late, they are limited to information that they give you about your own account, they accused me of not making a payment when my bank pay them every month direct pay and plus I had proof.

by F N From Moreno Valley, CA on August 17, 2009

Midland mortgage should be out of bussiness ASAP...

by Anonymous From Freeport, IL on August 07, 2009

by Karen King From Chicago, IL on August 04, 2009

by Barbara Ross From Chagrin Falls, OH on August 03, 2009

Midland does not have modern payment methods available for its customers to use which is the only reason I did not rate them higher. Otherwise I have been very satisfied in working with them. My credit issues have been my problems and Midland has tried to work with me.

by Anonymous From Akron, OH on July 31, 2009

SO FAR THE COMPANY HASN'T BEEN TO BAD AT ALL.

by Raymon King From Austin, TX on July 02, 2009

by Anonymous From Flower Mound, TX on June 26, 2009

For those claiming that the servicing organization doesn't get the house, no they don't. But the note HOLDER can. Midland Mortgage is merely a front/division for Midfirst Bank. Midland doesn't lose money and until the bubble pop, NEITHER DID Midfirst when they foreclosed. Don't be spreading lies about "money being lost"- talking with people that worked with Countrywide and GMAC, they made money on both ends of the deal. ALWAYS. Midland's no different and if you think $8k being "owed" on two month's payments, one only late and one past due, on a note with a ~$1700 payment is reality or "not following the mortgage papers" you obviously need to quit leaving the acid hits next to the keyboard or quit trying to lie about it all.

by Anonymous From Randolph, NJ on June 26, 2009

They are the worst. My husband and I own 2 homes. GMAC sold the loan on the second home to Midland. I had no problem with them until, after the birth of my 3rd child, my husband did not get up to the house for a couple months. Midland had locked us out. No notice, no warning. I filed a complaint with the Office of Thrift Supervision (a federal oversight agency)

by angry customer From Nampa, ID on June 22, 2009

For a customer wanting pre-foreclosure advice they wont even help unless you miss payments, which in turn will raise all credit card interest rates (high risk) and will put you into credit card mess and push you into a bankruptcy.

by Kathy in Grand Rapids From Grand Rapids, MI on June 17, 2009

We also had our loan sold to Midland Mortgage by GMAC this past December. GMAC had applied our payment in November incorrectly. for some reason they applied half of the regular monthly payment to the principal.This had never happened before and don't know why this happened. When the mortgage loan was taken over by Midland Mortgage they started sending a letter saying we were late and I phoned them immediately and they said it was due to the misapplied money that GMAC had done and they couldn't fix it and of course GMAC couldn't fix it either because Midland had it now. So, even though I had lost my job that month, I sent in the extra $500+ in February along with the regular payment. The payment made it on time and cleared our bank. Now, 4-5 months later we are trying to get a new car and the credit reporting agency shows that we are over 30 days late. When I looked at our bank account the payments have been deducted every month by Midland and when I phoned them they said that the extra money I sent in February was $16.00 short (I had sent the amount that their customer service had given me to pay) and so every month they have been adding on the $40.93 late fee. They wanted me to pay $211.80 this evening in order to clear up our credit rating. I didn't do it because this is highway robbery. We haven't received letters from them and have lived at this same address for the last 8 years. I don't understand how it shows on their website and they are reporting that we are behind, when it is all late fees that we didn't know we were incurring. What a nightmare! They said we should pay this immediately and then send a dispute letter. I am going to file a complaint with the Attorney General for Oklahoma and Delaware. I don't know how they can get by with this in this day and time. I know that if I paid that $200+ something tonight it still wouldn't be cleared up. She told me that if I paid this money now, I would need to phone them tomorrow and tell them how to post it. Hmmmmm.....something seems strange about that too.

by Cary A From Euless, TX on June 08, 2009

Due to my divorce we were required to sell our home. I called and got verbal authorization for the title company to speak with Midland Mortgage about getting the exact pay off amount. I got the verbal authorization and the title company called and Midland Mortgage wouldn't give them the payoff information as they stated they would. Me and my ex wife had to sign a form Asking for this information and even with signing the Midland authorization form they have delayed in getting the information so that the home will go into foreclosure. So I will be contacting the Oklahoma Attorney General, the Texas Attorney general and the BBB to see if they can light a fire under Midland . They are the absolute worst mortgage company ever.

by Anonymous From Albuquerque, NM on June 04, 2009

I have called a couple of times a few months ago and they would not give me any information until I asked to speak with a supervisor. Now it's that much more behind in the mortgage payment.

by anonymous From Indianapolis, IN on May 31, 2009

they seem to always lose my on time payment,then i wire tranfer to avoid being late and have to pay stop check fees and then all of a sudden they find it but they did send a letter but im stuck paying extra charges,what is their problem?im looking for a different company to do business with,tired of this they are a mess

by annonymous From San Jose, CA on May 27, 2009

midland is terrible going through the same. they jacked up mortgage from 3000 to 6000 and can't afford to make that payment . they were supposed to help us modify our loan since oct 08 till now no answer from them , they are rude and give you the run around . thanks to them our home is in foreclosure because they wont take partial payments. they don't call you or send you letters either to let you know what is happening terrible service . can they possibly do that .now we might lose a home in which we have lived for about 20 years because they don't want to help us out. sounds like they are trying to keep our home because they think its worth money and it is not the way the economy is. we were fine until they increased our payment 3000 more due to tax payment not made so they added it on to our mortgage for 1 year. which someone would investigate this mortgage company they are really bad. they have caused my family a lot of frustration. now we have to come up with all the money or we may lose our home. be very careful with this mortgage call and talk and document the time and who you talked to because they will miss you up.

by Anonymous From Waterbury, CT on May 27, 2009

Midland bought our mortage in Dec. 08. First they screwed up our escrow account. It took a million phone calls to work the whole thing out. Now they refuse to pay our home owners insurance. They sent us a letter three days before it's due. The says if they don't pay it within three days we have to take there insurance. That is the most ridiculous thing I've ever heard. I hate this company and I wish they would go out of business.

by Raf From Cleveland, OH on May 26, 2009

My family's house loan was transferred to Midland. My father lost his job, but my mother continued to work although they weren't able to make payments. They dragged on for 2 years on whether they would refinance, my family paid here and there but could not pay the loans which jumped from $700 to almost $1300. Now they say that we do qualify to refinance but that they are only doing it for people that have defaulted no more that a year. What a bunch of dirty scam artists. We are going to be evicted in 15 days, have no place to go, there are 5 people living in the home, one is mentally handicapped. We are trying to see if NACA can help us out. www.naca.com. Meanwhile billionaires get our hard earned money through bailouts that never reach down to us working class folks. Capitalism is showing its true nature.

by SHERRY VAZQUEZ From Longview, TX on May 12, 2009

I answered that due to I am hurt or should I say my whole situation with them which is Midland Mortgage hasn't been pleasant due to the way all of this was handled however I shouldn't say very rude things towards anyone I just hope that they are the type that realize situations occur and no one there was even willing to help or advise me of the options I had and to not even tell me I am denied until a Friday knowing a Sale is on the following Tuesday that is extremely hard the foreclosure manager told me to send my parent to the nursing home ect... Please I don't think he really meant that I hope that was said without thinking first! Also if you haven't even ask why this is like it is how can you even determine honestly if the individual should be denied. I was transferred from GMAC TO MIDLAND NEITHER WOULD HELP AND WHEN I ASKED THEM WHY NO ONE WOULD RETURN MY CALLS I WAS ADVISED THEY DON'T HAVE TO! I UNDERSTAND THEY CAN'T CONSTANTLY DO EVERY CALL IN THE SAME DAY BUT AT LEAST THE NEXT DAY I TO HAVE TO WORK I CAN'T CONSTANTLY STAY ON THE PHONE I AM ALREADY WITH ISSUES AND ALL I NEED IS TO GET FIRED PLEASE Understand I MEAN NO HARM TO NO ONE JUST DON'T UNDERSTAND THE RULES OF THEIR SYSTEM!

by Sheila From Austin, TX on May 02, 2009

My mortgage was transferred by GMAC TO Midland since then I am living a nightmare. They seem to never received my payment on time. Whenever I checked their website, the payment is always seating to an non applied funds and was never distributed to the appropriate parties. My escrow was analyzed twice during the same year and I am still paying the same amount. I believe that this company has to go down. I did file a complaint with BBB back in December 2008. But the same practices are still being used by Midland. We need to get a petition going against Midlang.

by jay From Orlando, FL on April 25, 2009

I have been wanting to modify our loan for the past few months and they wont help u since we have an fha loan, we have to be behind 60 days, we are struggling but making the payments and we get no help, the Presidents plan doesn't qualify for us because we have an FHA loan. They are not willing to work with the customers. I am very interested in filing a class action lawsuit against MIDLAND, they have horrible cs!! please email me @ fashentachic@yahoo.com would like to alert the media about it as well.. evry other lender is helping out the homeowners...

by Anonymous From Odessa, TX on April 21, 2009

midland mortgage is a rip off. i have been waiting for two months to get my insurance check back from them. every time i send them another piece of proof that roof was replaced they say they need something else. took them 2 weeks to find an inspector to come look at my house and three weeks with all the rescheduling and another 3 days to get that paperwork. now they say they have everything it is going take up to 10 days for them to put the check in a envelope i sent them. midland mortgage is crazy. as soon as that check hits my house i'll be refinancing!!!!!!!!

by SHERRY VAZQUEZ From Longview, TX on April 17, 2009

I am not the type of person to say ugly things about anyone because I think we all at sometime or another have bad days or in need of assistance and If I could ever help someone trust me I WOULD. And if I have had a bad day and someone has to pay for my bad day I do feel bad and I would surely hope to overlook the situation again and then go from there. However here was not something I see that they do. I understand each situation is different and I understand I am the issue because I am the one behind on payments and they have a job to do. BUT THEY NEVER EVER EVEN TOLD ME THEY HAD OPTIONS ON A FHA LOAN IN FACT TED THE MANAGER of THE FORECLOSURE DEPARTMENT SEEMS TO SOUND ON THE VOICE MAIL LIKE A FAIR PERSON . WELL THINK AGAIN BECAUSE HE HAS NEVER THOUGHT TWICE ABOUT REFUSING ME DIDN'T EVEN CARE TO HEAR WHY IT WAS ALWAYS NO NO NO AND THERE IS NOTHING WE CAN DO. IN FACT MADE THE STATEMENT THAT I Should PUT MY MOM IN A NURSING HOME IS MOTHER N LAW IS IN ONE AND ITS QUITE NICE. BUT AS FAR AS CONSIDERING SHE IS MY MOTHER AND I AM IN A BAD SITUATION AND WITH YOUR HELP I CAN Probably WITH THE HELP OF GOD COME OUT OF THIS SITUATION AND SETTLE MY DEBT. BUT NO THAT IS NOT HAPPENING HERE. Their CUSTOMER SERVICE IS RUDE THEY SAID WE HAVE ALREADY TOLD YOU THERE IS NOTHING YOU CAN DO. ASK TO BE Transferred AND THE REMARK IS AGAIN WELL THEY ARE GOING TO SAY THE SAME THING. ASK FOR A Supervisor AND SEE THEY PUT YOU ON HOLD AND TRANSFER YOU TO WHOM IS NOT GOING TO ANSWER , ITS A RUN AROUND THE WHOLE TIME. AND SURE ITS NOT LIKE THAT FOR EVERYONE THAT THEY DEAL WITH BECAUSE THEY COULDN'T KEEP OPERATING A Business BUT IF YOU HAVE A SERIOUS SITUATION YOU CAN COUNT ON NOTHING HAPPENING FOR YOU BECAUSE THEY WILL NOT LISTEN. AND ASK THEM WHO MAKES THE DECISIONS ON CERTAIN ISSUES IN THE OFFICE AND THEY SAY WE CAN'T TELL YOU THAT. BUT THEY CAN TELL YOU THAT YOU SURE CAN'T GET HELP, THEY WILL NOT PROVIDE ANY INFORMATION OF WHOM MAY ASSIST YOU ON YOUR CASE OTHER THAN WE HAVE ALREADY SAID NO. PLEASE WHY BE LIKE THAT I UNDERSTAND IF I HAD BEEN GIVEN A CHANCE AND STILL DEFAULTED BUT NEVER EVER EVEN CONSIDERED !!! IT WAS NO FROM THE START . TRY CALLING CUSTOMER SERVICE AND SEE HOW FAR YOU GET AFTER THEY HAVE GOT YOUR LOAN NUMBER AFTER READING ALL THE NOTES THEY HAVE WRITTEN YOU ARE IN TROUBLE BECAUSE ITS NO AND WHO REALLY EVEN KNOWS IF THE NOTES ARE EVEN TRUE. MAYBE THE CALLS ARE RECORDED TO HELP SOMEONE BECAUSE I WAS TREATED SO UNFAIR. PLEASE WHO EVER IS READING THIS DON;T THINK THAT I AM A BAD PERSON EVEN THOUGH THEY HAVE DONE WHAT HAS BEEN DONE I STILL WISH NO HARM TO ANYONE. ITS JUST I WISH I COULD UNDERSTAND WHY I WAS NEVER EVEN HELPED INSTEAD ALWAYS PUT OF OR REFUSED INFORMATION PERTAINING TO MY CASE I DON'T HATE NO ONE AND DON'T REALLY AND SHOULDN'T TALK ABOUT OTHERS BUT ITS SO NOT FAIR AND IF ANY ONE CAN BENEFIT FROM THIS I SURE HOPE BECAUSE I AM SERIOUSLY LOST AND HAVE NO WHERE TO GO OR EVEN Were TO BEGIN . THANKS, SHERRY VAZQUEZ

by LILLIE WILLIAMS From Wilmington, NC on April 14, 2009

by wilkins From Reynoldsburg, OH on March 29, 2009

Our loan was transferred to Midland 7/1/05 after Chapter 13 was filed with the prior loan holder. There were no problems which we were aware until the Chapter 13 was discharged then all of a sudden we received notice of a late charge balance over $1000. They claimed the loan was due for May '05 post-petition payment at time of transfer so the payments they received in July '05 thru Oct '05 was applied to a "holding account" and in mid-Oct '05 $5621.32 was reversed from the holding and applied to the May thru Aug '05 post-petition payments leaving a holding balance of $978.24. In the same letter they say no late charges were assessed for May-Sept '05 post-petition payments. WHAT?! They asked for cancelled checks which was provided from the inception of the loan in 2002...which by the way showed we were never late. Finally in settling this, they said they would move our money from a "suspense" account, apply it to the loan if we would pay over $600 which they claim was the amount of the loan that was "late" in '05 and we would be square. They applied that money but we are now, in 2009, receiving late notices again. The customer service rep said we missed a payment in 2005 to send cancelled check copies for them to research. IT'S STARTING ALL OVER AGAIN!!!! BEWARE!

by KO From Los Angeles, CA on March 28, 2009

We've been dealing with MM for the longest time and had no problem whatsoever. Infact our house is almost paid for. Thank you MM.

by Jeff Huey From Papillion, NE on March 24, 2009

their late fees are four times of the company they bought out (my old home loan provider) I will be looking elsewhere.

by sherry louis From Staten Island, NY on March 22, 2009

Midland was great to me at first but for the past 4 months they have treated me like an Enemy. I have Never refinanced or taken a second mortgage. I think they should show some loyalty to me.

by Y. Rodriguez From Euless, TX on March 20, 2009

"I've dealt for years with Midland and have read most of the comments on this site; it seems most of the comments come from folks who have not read their mortgage contracts. According to most contracts payments are due on the first day of the month. Payments are late on the second day of the month. However, it is up to the mortgage servicing company to decide at what point to apply a late charge if at all. Midland doesn't apply the late charge until the 17th of the month. That seems more than fair to me. They also have a website where you can check to see if & when a payment posts. Since a person under 18 cannot legally enter into a contract, all mortgagors are assumed to be adults and capable of taking responsibility for their own financial transactions and shouldn't need to have a company babysit them."...what a joke when I read this!!! Are you serious!!! These people added flood insurance to my escrow; and my property is NOT even in a Flood Zone...I have FEMA certification and letter from the Engineering Dept. of the City of Euless...yet they say they have a certification from their ind. surveyor saying that I am..ja, ja, ja what a joke! So from Oklahoma to Texas they can say that my property is in a Flood Zone...oh please!!! Crooks, crooks, crooks...can't wait to see them go bankrupt...!!!

by SHERRY VAZQUEZ From Longview, TX on March 19, 2009

I WILL SAY THAT WORDS SPOKEN ARE PRETTY STRONG AT TIMES AND THE FORECLOSURE GUY THAT I PLEADED WITH WOULD SAY NO WE CAN'T DO ANYTHING AND WHEN I WOULD CALL THE LAW OFFICE TAHT THEY OBTAINED AND EXPLAIN TO THEM THEY IN TURN WOULD SAY CALL THE BANK ALL I EVER GOT WAS THE RUN AROUND THEY ARE VERY POOR IN TRYING TO WORK SOMETHING OUT. I WAS NEVER EVEN OFFERED A CHANCE. I THINK THAT MAYBE PEOPLE SEE ME SAYING UGLY THINGS TOWARDS THEM DUE TO THE REFUSED TO HELP ME AND I AM IN A TERRIBLE SITUATION. BUT ALSO I WOULD NOT HAVE BEEN MAKING THIS STATEMENT IF I WOULD HAVE BEEN OFFERED THE FHA OPTIONS AND THEN DEFAULTED I WOULD HAVE HAD TO SWOLLER MY PRIDE AND TAKE THE BLAME FOR THE ISSUES . BUT NEVER GIVEN A CHANCE I FEEL AS IF THEY ARE VERY SORRY IN THIS ASPECT AND AFTER LISTENING TO THERE RECORDING YOU WIL UNDERSTAND THEY SAY THEY ARE DEBT COLLECTORS AND THAT IS NOT A LIE DEBT COLLECTORS WITH NO INTENTIONS OF HELPING SOMEONE ASKING FOR SOLUTIONS. Thanks, SHERRY

by Anonymous From Durham, NC on March 12, 2009

Midland is a scam company. These people are not interested in working out a deal with somebody. Tehy basicaly want to foreclose. First, they are rude and unprofessional! Never return calls;put you on hold for 1 hour plus; never transfer you; then they never resolve your problem. Midland Mortgage really sucks. I am at the point where I say let them take th house and see what they get out of it. Smart idiots. These are really thieves. How can they operate a business in such a way? This is a scam of a company. I am writing to everybody today to tell them about this company! I hate them really much.

by Sharon Chavez-Yawn From Marietta, GA on March 09, 2009

by Melissa Bland From Bentleyville, PA on March 09, 2009

by Anonymous From Knightdale, NC on March 08, 2009

by YAMILETTE RODRIGUEZ From Euless, TX on March 06, 2009

...hiking up my mortgage from $1,270 to $1,604 without considering my monthly gross income (Which is the same since two years ago)...is totally an insult! Seems they want to see my home go into foreclosure!

by Yamilette R. From Euless, TX on March 06, 2009

I split payments with my fiancee and they always send me a letter that they can't post my payment until the recieve the entire payment. What???!!! Then my fiancee goes into his account and he sees his check already cashed and mine too...what a mess!!! Now they hiked up my payment from $1,270 to $1,604.00 What??!!! For sure this will end up in foreclosure or I am going to try to switched to another company....I hate them!

by Sheonna Matthews From Chicago Heights, IL on March 04, 2009

by fedup From New Castle, DE on March 04, 2009

My mtg was with First Horizon no problem. Once Midland obtained it, they took my mtg pymt, applied it to their outside homeowners insurance, did not pay any insurances I had included in my mortgage with First Horizon, however raised my monthly payment, stating they did not receive from First Horizon the information for my Homeowner insurance company plus the additional disability insurances I paid into. With First Horizon I had no problem. At the end of the day my mortgage was in default because Midland chose to give me a homeowners insurance company of their choice which was double plus my original amount. Once they received the information, they claim they did not pay the company of their choice, but my money for all: Homeowners insurance, disability insurance, flood insurance cannot be found. Now my escrow amount is different and my disability & flood insurance policy are cancelled. Those 2 companies state my policies laspsed and midland told them the payment was not received. I offered to pay them up and deal with Midland, I was told I can't do that. I am left now after all these years without these 2 insurances. Fedup from Delaware>>>>>>>>>>

by Anonymous From Sherman, TX on March 02, 2009

I have sent numerous faxes to them to work out my mortgage plan but they never seem to receive it. I am now fixing to lose my home for their mistakes. I want to stay in my home but it seems if they have their way, its not going to happen.

by ruth From Indianapolis, IN on March 01, 2009

has any out there talk to credit bbb

by ruth From Indianapolis, IN on March 01, 2009

they need to be put on the news my loan was sold to midland from first horizon they have put on my credit report that i have been no more then 2 payments behind i have never missed or beenbehind i have talked to them 10 times and they still have put more on my credit report after sending me aletter they still put on i owe a late fee i have all my canceled checks they are the worst i have ever seen i am going to send a letter to president obama so if there is anyone who has had this trouble please let me know steven4651@sbcglobal.net

by Anonymous From Indianapolis, IN on February 24, 2009

I have read through all the blogs I am very scared. I lost my job last june and contacted them and from that point on its been nothing but problem after problem, just when they approved me for an assistance program I was waiting to hear back from them and then on my door summons!!!!! That was in Novemember, now its Feb and I have a job now since Jan sent them everything they requested and still no answer. I leave messages almost daily and the lady that is assigned to me never calls me back. They are horrible. I even sent them a 1000 dollars and they destroyed it, never told me just sent a letter. How crazy. I don't know how to start a class action law suit but we should. my email is smickey98@yahoo.com if someone is starting one I would be interested.

by Jamie From Kalamazoo, MI on February 24, 2009

I have a mortgage with Midland, and it is so scary when I read this stuff because they all very similar to my sitiation. We have been trying to work with them for Loan Modifications. They have told us to wire payment, then they lose them, and we have had to fax numerous reprots from our back that we sent them... they are quick to call us, but never return our calls. We just finally got the loan modification and now they are sending us a "Pre-sale Forclosure Notice" These people are terrible to work with. If anyone can give me additional inform please email me at Saddlerest@gmail.com

by Kathy From Rochester, NY on February 24, 2009

I have been on hold for 50 minutes. I leave daily messages twice a day and no one calls you back. The house went into forcloser, we paid all of the money and attorney fees to get another letter saying it was not in time and sent us back again. We filled out everything on time, I even talked with the owner which was almost impossible to find. He laughted, he was a joke. Reading all of these comments are heartbreaking, how can a company do this........... they have payments from us that they refuse to post. Has anyone had luck with the attorney general?

by Terry People From Lancaster, TX on February 21, 2009

They sent me a foreclosure notice smack dead in the middle of a modification. Something must be done with this company. Please send comments to cece4511@netzero.com and let's put together a class action suit against this company. "Satan is a lie!"

by Anonymous From Decatur, GA on February 20, 2009

I AM 10 DAYS AWAY FROM LOOSING MY HOME. I HAVE TRIED TO COMPLETE A LOAN MODIFICATION WITH MIDLAND, AND THEY RAISED MY MORTGAGE FROM $1500 TO $2300 PER MONTH. THIS COMPANY IS A TRUE SCAM ARTIST..... THE FEDERAL BUREAU OF INVESTIGATION NEEDS TO REALLY INVESTIGATE THEIR PRACTICES.

by Anonymous From Caddo Mills, TX on February 19, 2009

Won't accept partial payments... Can't ever understand rude csrs. Not willing to work with us at all.

by Anonymous From Shelbyville, KY on February 18, 2009

HORRIBLE CUSTOMER SERVICE!!! CRIMINALS! SCAM ARTISTS!!! VILE SLIME!!!!

by carmen From Williamstown, KY on February 18, 2009

THey don't care.Every time you call they tell you something diverend.

by Anonymous From Saucier, MS on February 13, 2009

They just dont want to help us. We were fine with our first house note until our escrow account tripled causing our house note to double. So we were having a hard time paying it and to top it all of my husband lost his job. Now that my husband has a new job and they wont modifi our loan the house is in forclosure and they dont seem to care.

by P Priest From Pleasant Shade, TN on February 11, 2009

Over the past two years, both my husband and I have medical issues that affected our jobs. Our loan is guaranteed by the VA. When we saw that we were going to be late with our payment, we notified both Midland and the VA. The VA suggested that we work with Midland. Well, work is not part of their vocabulary. The customer service representative told me that my payments would have to be over six months late and then we could apply for a loan remodification. We notified the VA and the VA's response was "if you get a foreclosure letter, call us." We never got a foreclosure letter (thank goodness) and were able to do a loan modification. Now, we are back on our feet and want to refinance our home. We wanted to buy down the loan and refinance at a lower interest rate. I called Midland in January '09 and was told by a customer service rep. that "Midland is no longer doing refinances in TN!” Ok, fine, I just go apply at another lending institution. Well, guess what? Midland has my credit so messed up, that no one will touch us for six months or more. When you do a loan remodification, the money that you are past due, plus closing cost is added to the back of your loan. So, technically, you aren't late. The money is on the back end, right? In addition, the loan remodification makes your payments higher! Our payments were already high, that’s why we were getting behind, duh! Take if from me, the loan remodification says good things on the front end, but it ends up costing (your credit) in the end. So, for now, I have to bite the bit and wait. In six months, I'll put this company and their nightmares behind me! Good riddance!

by Kathryn From Indianapolis, IN on February 10, 2009

I'd like to hear from anyone who had their escrow account "readjusted" from Midland. I've had mine "readjusted" and they will not return my calls or explain why. If this has happened to you please just email me your name and email address. No other contact information at this time please. My husband is an attorney and we want to see if we have a class action lawsuit on our hands here. We don't want $. We just want this company to go down. The are the worst, most criminal company I've ever dealt with. My email address is: KathyinIndiana2009@yahoo.com

by rosetta martin From Baltimore, MD on February 10, 2009

none at present time.

by Danette From Toms River, NJ on February 09, 2009

This company is the worse to work with there thought of a loan modification is saving you a whole $20 per month in this state of economy that is just awful thinking

by Anonymous From Omaha, NE on February 09, 2009

My loan was sold to them from Horizon in July. I got laid off in Noveber 2008 and have repeatly asked Midlands for help and they refused because I didnt make enough money. I also have an insurance to repair my roof due to a storm and it is made out to them and me. I am so upset with them because I am almost 4 behind on my mortgage, that I am sending them the 6200.00 from the insurance company to have them take out what I owe and see if they will send my the difference so I can get my repaired

by Anonymous From Corona, CA on February 04, 2009

Is there a class action suit against this fradulent, unlawful so called mortgage company? Please let us know ASAP so we can stop them from deceiving and robbing the average hard working American Citizens.

by Anonymous From Fort Worth, TX on January 30, 2009

I am still reeling trying to figure out how, in the last four years I can continually make payments, yet owe Midland Mortgage today MORE than I did four years ago. I had some problems in the past but managed to catch up the payments. I am having difficulty deciphering their funny math. If I had stayed with my original mortgage company I would OWN MY HOME.

by Juanita K. / Alvin Johnson From Atlanta, GA on January 23, 2009

by Anonymous From Londonderry, NH on January 22, 2009

I am in the process of reporting them to every state and federal agency.

by Andrew From Lafayette, IN on January 22, 2009

This is an inept company. Their customer service is incapable of completing the simplest task and will tell you anything to get you off the phone. I have faxed the same data twice, yet they have no record of receiving the faxes. Their method is to let the faxes accumulate all day and then someone (a monkey?) distributes them at the end of the day. No accountability whatsoever. From all these comments it is hard to believe they are still in business. What will it take before a state attorney general or a Federal prosecutor puts them out of business?

by Anonymous From Claremont, NC on January 16, 2009

Yikes! GMAC just sold our mortgage to Midland. After reading all these comments I am scared....very scared. They sound horrid.

by Linda From Fenton, MO on January 15, 2009

I cannot believe they "helped" me after I had problems with my house payment....well, they sent me a year end statement today, and they say I owe them $3,000.00 more than I owed them in October 2007. They did not even post my April payment, and their phones are conveniently not working. I hope there is a class action suit against these bandits, because that's why our country is in the financial shape it's in. Yet the banks are getting federal buy outs to rip us off even more. My mortgage was also "sold" over to Midland from my original mortgage company, I did not know until it was a done deal. I am telling everyone about this piece of crap company, and I CANNOT WAIT until I see them on the news, in bankruptcy with the CFO in jail.

by Anon From Cleveland, OH on January 15, 2009

When asked what Midland was doing to help homeowners in this current economic crisis, was told, 'nothing until you're 90 days past due'. So called 'customer service' wouldn't even tell me what the plan was after being 90 days past due. Perhaps the loan goes into default and foreclosure, and you have to come up with 90,000 dollars to keep your home!! Way to go Midland!!

by GENE GORMAN From Minden, LA on January 14, 2009

my mortage was sold to midland some time in dec 08.have tried numerous times to contactm them to noavail,all i get is avoice that comes from hell.so what do you do?wait for a letter and then contact them,or contact he state attorney general and better business beaura and hope there is help? i am rather new so after reading these comments at age 65 i just may have to walk,but something has to be done and am willing to join a group to get something done.

by Larry From Texas City, TX on January 09, 2009

This company is terrible. I called ahead to make sure I turned everything in with my check to avoid delays. That was on Dec 12th. On Monday it will be a full 30 days with no funds being issued. Filed a complaint with Texas Department of Insurance. They are required to send funds within 10 days of having all the required documents. Its TDI code 557. File your complaints because if you show proof that they had no reason to hold your money, they will have to start paying 10% intrest on the money from the day they received it. They can also be held accountable in civil court from State of Texas. File on them.

by It sure isn't Midland and glad From Maple Heights, OH on January 08, 2009

Midland Mortage places you in hardship then makes your hardship worst. The are money hungry, PIMP's. What's needed is how to get from under them NO other mortgage company or bank wants to buy them out... but Why?

by Anonymous From Dayton, OH on January 07, 2009

by Anonymous From El Cajon, CA on January 06, 2009

HORRIBLE.

by Anonymous From Kennesaw, GA on January 06, 2009

by Anonymous From Bargersville, IN on January 02, 2009

A month ago Midland Mortgage send us our yearly escrow statement, showing that we owed DOUBLE the tax amount. We caught the error and had our county treasurer fax them a copy of our actual tax amount. Three phone calls later and they are just now stating that they never received such a fax and that we will need to send the information again. We are switching to a local mortgage company right away.

by Joe From Oklahoma City, OK on December 30, 2008

I used to work for Midland Mtg in Okc. The people that work there are probably some of the rudest people I have ever met. This one lady who was from South Carolina was a rascist. She was also had a hair on her chin that grew longer than the hair on her head. Her husband was in the military and sometimes I wonder if he lost a bet because he married her. Outside of that soulless hag there were others there that were just inept. In this time of ecnomic difficulty it is troubling to know a company like this is allowed to exist.

by Unite for the fight against Midland From Coppell, TX on December 30, 2008

This company is really very frightening and it seems like it is time for the consumers to band together and file a Class Action lawsuit against them. Everything they do is designed to rip off the consumer and it does not stop with foreclosure issues, late payments, fees etc as can be seen by the above emails. Now the latest scam is to require that the insurance companies claim checks are endorsed by them before the consumer can bank them to pay for the repairs. This delays the consumer from a) getting the repairs completed in a timely manner and b) if repairs are completed inconveniences the home owner who has to pay up front for the repairs while they wait for Midland to return the insurance checks in their own sweet time. This I do not believe is legal and I would like to know of other consumers who have experienced the same problem. We need to unite to stop these illegal practices and close down these scam artists. Talks like a duck, walks like a duck... then it's a duck /crook!

by Haro Gharbigi From Sunland, CA on December 30, 2008

Absolutely the worst mortgage company I have ever dealt with. They should burn in hell.

by wayne r From Angleton, TX on December 29, 2008

this company sucks, finally got an insurance check for ike damage and they keep requesting more records my roof needs to be fixed and have now twice sent then what they requested, iowe less on the mortage that the insurance check was for, they wont ansewer the their phones. my advise to anyone buying a home do not use this company!!

by Anonymous From San Diego, CA on December 22, 2008

They do not offer help for distressed homeowners. They have repayment plans that only seem to put more money in their pockets and leave you worse than before. They do not offer any refinancing or loan modifications that can help homeowners at risk of foreclosure in the current market.

by Lisa From Spring, TX on December 19, 2008

My mortgage was also recently sold to Midland. I send them a money order through the mail and so far, haven't had any problems with the payments. My home was damaged in hurricane Ike. The insurance sent the check with mine and midlands names. I phoned Midland to let them know. Well, they sent me pages and pages of documents that I needed to follow in order for them to sign the check over to me. They basically want me to hire a contractor with a start date and mail them the check, contractor's license, insurance and statement of intent. I am having trouble getting this info from contractore, also I am afraid of signing a contract without having the funds in hand. What if they don't release the funds. I will get stuck with the bill. The insurance co. stated that they cannot do anything, they are required to put the mortgage co. name on check.

by Lisa From Spring, TX on December 19, 2008

My mortgage was also recently sold to Midland. I send them a money order through the mail and so far, haven't had any problems with the payments. My home was damaged in hurricane Ike. The insurance sent the check with mine and midlands names. I phoned Midland to let them know. Well, they sent me pages and pages of documents that I needed to follow in order for them to sign the check over to me. They basically want me to hire a contractor with a start date and mail them the check, contractor's license, insurance and statement of intent. I am having trouble getting this info from contractore, also I am afraid of signing a contract without having the funds in hand. What if they don't release the funds. I will get stuck with the bill. The insurance co. stated that they cannot do anything, they are required to put the mortgage co. name on check.

by Anonymous From Baton Rouge, LA on December 19, 2008

Heartless company liars.

by Anonymous From Stow, OH on December 18, 2008

I sent in our papers for assistance and no one called me back. When I did get the call back, and I tried calling, all I would get is a voicemail. Finally, I spoke with someone and received news, that our assistance was turned down because there was no response. I was/am very upset when I had left numerous messages for a call back!

by Angry in Denver From Denver, CO on December 17, 2008

My husband and I have had GMAC mortgage for years and have always paid online. Midland doesn't have that option and they also don't have good customer service. I talked to a Heather in Customer Service and she was rude and almost berating. I explained we preferred paying online. We have never skipped a mortgage payment on our home since we bought it in May of 1996. We have a lot of equity in our home even in this bad housing market. I think this mortgage company wants our duplex in downtown Denver so they can take our equity and pocket it. After reading the horror stories I have read on this site and the lack of professionalism and courtesy on the phone that I have experienced with this company---we are considering selling our duplex---paying off all debts and leaving the USA where I can teach in some foreign country and live without all this greed, lack of ethics, and gross overemphasis on materialism. With the equity we can flat pay for a home we never have to pay a dime for in my Caribbean native land and never have to speak to some greedy mortgage jerk for the rest of my life. Plus no more -6 degree mornings in some icy city. My home shall always be my beautiful husband and my beautiful son and my extended family. Houses unless paid in full and (property taxes and homeowner's insurance are always due anyway). But someone should file a class action suit and if they are stubborn and determined win against all these unethical business practices. To all who have experience problems please remember you are all valuable human beings first and foremost and not some anonymous number in some Midland Mortgage account.

by disapointed From Houston, TX on December 17, 2008

worst company ever!

by Anonymous From Houston, TX on December 17, 2008

by Donald Hastings From Conway, AR on December 16, 2008

by azell From Fairburn, GA on December 12, 2008

THEY SUCK!

by ANONYMOUS From Houston, TX on December 10, 2008

I AGREE WTIH EVERYTHING I HAVE READ! ABSOLUTELY RIDICULOUS! I HAVE BEEN DAMAGED BY IKE, TOTALLY OUT OF MONEY, LATE ON ALL BILLS TRYING TO REPAIR INSIDE AND OUTSIDE HOME AND CAR and MIDLAND IS JUST ADDING UP THE FEES! Is there a suit? If so, how do I join!

by Anonymous From Baltimore, MD on December 10, 2008

gmac just sold my loan to them also. i called and tried to get some information and I was told they would send that in the mail. i hung up and called back, spoke to someone else. was told to call gmac and they'll provide the info. i spoke to 4 different people and could not get a resolution. i haven't really dealt with this company but i'm in the process in looking for a new one before i have to send a 2nd payment to them.

by anonymous From Montgomery, TX on December 08, 2008

they are the worst. they are also holding our check from hurricane ike damage. everyone else on my street is getting new roofs and new fences and we cant do anything because they wont send our check back.

by scared owner From Baltimore, MD on December 03, 2008

gmac just sold my mortgage to this company. i have never heard of them and the fact that you can't pay online is killing me. this is very "back in the day". as hard as times are now, i don't always have the money on the 1st, but as long as i made it by the end of the month and paid the few dollars, i was good. i'm not too sure about this company and from what i'm reading, i should be very scared.

by Hurrican Ike Victim From Houston, TX on December 02, 2008

Midland mortgage has treated us so unfair,it is bad enough that we had to suffer through a terrible hurricane on Sept.12,2008 but now we have to live in an unsafe home because of damage done to it. Midland mortgage has not released any Insurance money to me for my repairs paid by Farmers Ins. Co. After reading all these conplaints I see that I am not the only one wronged by MMC.JUSTICE MUST BE SERVED.

by anonymous From Indianapolis, IN on November 25, 2008

Unbelievable! "They are so in the stone ages on handling payments but in the modern time when handing out late fees." I could not have said it better myself. I got behind and made it up quickly, then BAM! Fees on top of fees! "We'll send you a summary of the charges" - I cannot wait for that, probably a "printer fee" for all the crap they send telling you that you are late and now the charge summary. I'd love to get another mortgage. I was with Norwest and got sold TWICE before landing with Midinurassfirst Bank of Oklahomo. Funny thing back then...my first letter of notification that I landed with them was a "you're late" letter of three months. I had NO IDEA who to mail my payment to! I called Norwest: "uh..we are unsure..."

by anonymous From Indianapolis, IN on November 25, 2008

Unbelievable! "They are so in the stone ages on handling payments but in the modern time when handing out late fees." I could not have said it better myself. I got behind and made it up quickly, then BAM! Fees on top of fees! "We'll send you a summary of the charges" - I cannot wait for that, probably a "printer fee" for all the crap they send telling you that you are late and now the charge summary. I'd love to get another mortgage. I was with Norwest and got sold TWICE before landing with Midinurassfirst Bank of Oklahomo. Funny thing back then...my first letter of notification that I landed with them was a "you're late" letter of three months. I had NO IDEA who to mail my payment to! I called Norwest: "uh..we are unsure..."

by Anonymous From Dallas, TX on November 22, 2008

by Anonymous From Gridley, CA on November 19, 2008

complete criminals. Bought our note opened foreclosure will not disclose the legal note holder. They claim to be the note servicer only. add fees they will not explain. Overcharge. will offer a "work out" but send the docs to sign 72 hours before the sale of your house so you don't have time to have a lawyer look it over or counter offer on your own much less get anything clarified. They have a lawyer in san diego called mccarthy and holthus. They do midland's foreclosures and bear investigating to see if they are involved in the purchasing of any of midland's properties. We are currently checking into anything they are doing that may be illegal and can be prosecuted.

by Anonymous From San Bernardino, CA on November 17, 2008

Midland Mortgage is the absolute worst company that I have ever dealt with. For the last two months they have destroyed are checks stating the numeric and written amount do not agree. Since, my wife and I do not have carbon copy checks, I have asked them for proof, which they fail to provide. I have contacted my congressman, the better business bureau and an attorney to try and get a resolution to this problem. Midland has until Dec. 1st to respond to my BBB complaint and hopefully, I will know something tomorrow from the attorney what legal action if any can be taken against these CROOKS. They destroyed my payment for November and when I called to make a payment over the phone, they refused to take payment.

by Wendy Pevehouse From Orlando, FL on November 17, 2008

by JO From Conway, AR on November 17, 2008

Midland is the rudest company I have dealt with. I have been hung up on numerous times. They refuse to answer simple questions about my loan. I would not recommend them to anyone and since First Horizon sold my loan to them I would not recommend them either.

by Anonymous From Lithonia, GA on November 14, 2008

Maybe it that i dont understand the process fully. I am extrmrly anxious to see if you may be able to communicate better given the urgency of my situation. Have they exhausted all of the options available to help me save my home from foreclosure?

by Hurricane Ike Victim From Gary, IN on November 14, 2008

Midland Mortgage company is without a doubt the worst company that I have ever tried to deal with our home was damaged during Hurricane Ike and for some reason our insurance company put both my moms name and the mortgage company on the check we have been told so many stories that I have lost count, First they tell us to send them the check and they will reissue the check so that we can start repairs if it is that simple why did the insurance company put their name on the check in the first place our home has been damaged since September 11, 2008 and we have not been able to start the repairs because they refuse to send our check back so that we can hire contractors to start repairs. I am in the process of putting together a package to send to my State Representatives this problem needs to be addressed by the government insurance companies should not be allowed to hold their customers hostage and terrorize them with their delay tacttics.

by Hurricane Ike Victim From Gary, IN on November 14, 2008

Midland Mortgage company is without a doubt the worst company that I have ever tried to deal with our home was damaged during Hurricane Ike and for some reason our insurance company put both my moms name and the mortgage company on the check we have been told so many stories that I have lost count, First they tell us to send them the check and they will reissue the check so that we can start repairs if it is that simple why did the insurance company put their name on the check in the first place our home has been damaged since September 11, 2008 and we have not been able to start the repairs because they refuse to send our check back so that we can hire contractors to start repairs. I am in the process of putting together a package to send to my State Representatives this problem needs to be addressed by the government insurance companies should not be allowed to hold their customers hostage and terrorize them with their delay tacttics.

by et From Lufkin, TX on November 12, 2008

We got sold to them some time back. They were good until about 3yrs. ago. We've paid off our mortgage in Aug. but they are not good about responding to questions since and we're still waiting for the "Release of Lien" papers. Got one comp form letter saying we're paid off, if we want "Release of Lien" paper go pay the county for copy. We were charged a fee for it by them and by TX law are supposed to get it from them, and don't even know if/when they filed it for recording anyway.

by et From Lufkin, TX on November 12, 2008

We got sold to them some time back. They were good until about 3yrs. ago. We've paid off our mortgage in Aug. but they are not good about responding to questions since and we're still waiting for the "Release of Lien" papers. Got one comp form letter saying we're paid off, if we want "Release of Lien" paper go pay the county for copy. We were charged a fee for it by them and by TX law are supposed to get it from them, and don't even know if/when the filed it for recording anyway.

by Arlene Hood From Riverside, CA on November 11, 2008

Not at all helpful when it comes to loan modification process.

by Anonymous From Memphis, TN on November 08, 2008

I had a loan with First Horizon that was sold to Midland and I have had nothing but trouble dealing with this bank. I could not reach anyone by phone I could not check on my mortgage online for 60 days. But they have not failed to try and charge late fees?!. I am waiting on the class action!

by Anonymous From Upper Marlboro, MD on November 07, 2008

Midland Mortgage company is charging me $428.80 in late fees that are just not correct. I filed chapter 13 bankruptcy and was order to make all payments on time by the trustee and attorney in order to remain under bankruptcy protection. As such, I followed the guidelines set forth by the court. There was a single instance when the numerical amount and legal description did not match; a replacement check was immediately sent to Midland who took nearly a month to process the check. I am now waiting for documentation from Midland to state recorded instances of payments on my account. This is not rocket science. If I was late they would have notified the courts and foreclosed on my house! This is BULL and they thought I would not notice this fee which was hidden on my escrow statement.

by Diana Sanchez From Taylor, TX on November 06, 2008

In the past, they have always worked with me fairly and professionally. This foreclosure is my fault, but I am able and can afford to make things right and save my home.

by Sherry From Sumiton, AL on November 02, 2008

We are finding out how bad Midland Mortgage really is!!! We are behind a month on our pmt. We sent them a check and they sent us a letter saying they destroyed that check and would not accept another one until we made a double pmt right away. I have never seen a company do that. We sent them a pmt from the post office marked with the 2-3 day delivery, it shows they have it but we are concerned if they will destroy that one or what? They are so hateful to us!

by Rosa M. Coleman From Rochester, NY on November 01, 2008

The services you provide are horrendous. If you are undr duress, you need to provide a statement that is truthful. I am Dr. Rosa-Marie Riley Coleman, I have made many enemies in my crossroads in Rochester, New York, 12 Curtis Street. If you think that appeasing white trash that does not have my black upper class status-deemed by the city of Rochester, in giving me false statement. If I don't get a truthful lending statement, quickly and ample in time, because of issues of lyn-people in town, please don't hesitate to receive a god damn supeona in the mail from Part 36, NYS, Albany, NY. Don't play, I have a business deal to make possibly. DR.RMRC-Thank You !!!!!

by R. Tyler From San Antonio, TX on October 30, 2008

Can someone tell me how I can join the class action law suit? My mortgage was transferred five years ago and they have carried and reported me over $5,000 dollars in late fees. I have tried for the past five years to get them to show where these fees came from with no answer except my previous mortgage company transferred these fees to the, However when I ask for proof, they direct me to my previous lender who directs me back to Midland. This is crazy. My house is soon to be paid off, and I will still owe them over $5,000 in late fees. I too paid ahead by a month, however they keep reporting I'm one month behind and charging late fees. I have had enough.

by Anonymous From Grover, MO on October 20, 2008

by raleigh homeowner From Raleigh, NC on October 18, 2008

I thought I was the only person having problems with Midland Mortgage and their unfair practices. They are so in the stone ages on handling payments but in the modern time when handing out late fees. I wish to God I had never ever heard of Midland Mortgage. So, I also pray that I will have my old mortgage company back.

by FRUSTRATED HOME OWNER From Allentown, PA on October 16, 2008

I dealt with First Horizon for 9 years with no problems. My mortgage was sold to Midland Mortgage and in July I made my first mortgage payment to them. I am in my fourth month and extremely exhausted from trying to get my payments posted on time. I have tried various ways to pay so I could get a timeline on how long it takes for my payment to get to Oklahoma City. That was impossible to do because there is no timeline with that company. It's whenever they choose to post it as long as they can get a late fee.

by Totally Disgusted From Seaford, DE on October 06, 2008

We had our mortgage with First Horizon for 7 years until it was recently sold (July 2008)to Midland. We never had one problem with First Horizon. After Midland assigned us a new account number on July 15th, I sent an ACH form to Midland to change the account to be debited for our automatic payment. The Midland representative assured me the August payment would be paid from the new account. It did not happen. Midland did not handle our ACH account change as they promised and debited the wrong bank account. This negligence caused us to be charged a $30 fee by our bank, and Midland charged us a late fee of $32.68. When checking my bank accounts online, I discovered that they hadn't debited the correct account. I called Midland about the problem, and they said I should send in payment. I sent electronic payment immediately (August 15th). Shortly after making this payment, I received a letter threatening foreclosure on our home. They never acknowledged the electronic payment and said I had to fax them the confirmation from my bank to prove that the payment was made. I have done that, but still do not know if the payment has been posted six weeks after the fact. The next month, they still failed to debit the new account and assessed another month's late fee of $32.68. Midland is the worst company I have ever dealt with. At first I thought it was incompetence, but I have learned that it is total corruption and dishonesty. They are predatory, accept no repsonsibility for their negligent and fraudulent business practices, etc.. They have repeatedly failed to perform their basic responsibilities. After several calls, faxes and letters sent by certified mail, I still have not had any restitution by Midland, just further threats. After the ACH debacle, I mailed the Sept. and Oct. payments by check, certified mail. Both checks were in the same envelope, but only one has been deposited. They received them on Sept. 29, 2008. Today (Oct. 6, 2008)I received another letter stating that my payments may be delayed in being processed until my late fees are paid. Previously, their representative said that Midland would waive the late fees, but they have still failed to meet their obligations. We have sought legal counsel, and will be contacting both the Delaware and Oklahoma Attorney Generals. It is so disgusting that Midland is allowed to perputrate this type of abuse on innocent consumers. Their time of judgment will come. They can be sure of that. What you reap, you WILL sow.

by Anonymous From Houston, TX on October 06, 2008

Very poor customer service.

by Anonymous From Lucedale, MS on September 21, 2008

by gina From Lucedale, MS on September 21, 2008

they are hateful & are not willing to help or even tell yous what is going on with your account. they want you to screw up your pmpts so they can foreclose. very hateful unconcerned people. hope one day they have to deal with the same things we have to deal with. no help or cooperation from them at all.

by Marybeth From Rainier, WA on September 18, 2008

I've dealt for years with Midland and have read most of the comments on this site; it seems most of the comments come from folks who have not read their mortgage contracts. According to most contracts payments are due on the first day of the month. Payments are late on the second day of the month. However, it is up to the mortgage servicing company to decide at what point to apply a late charge if at all. Midland doesn't apply the late charge until the 17th of the month. That seems more than fair to me. They also have a website where you can check to see if & when a payment posts. Since a person under 18 cannot legally enter into a contract, all mortgagors are assumed to be adults and capable of taking responsibility for their own financial transactions and shouldn't need to have a company babysit them.

by Fed-Up From Havelock, NC on September 18, 2008

My mortgage was also bought by Midland and agree that they are a bunch of sharks.The problems I have had with them are never ending,mostly late posting of payments made on time.Maybe I will read in the paper that Midland is the next bank failer;then I will rejoyce!

by Anonymous From Frankfort, IL on September 16, 2008

I was going thru a divorce and my spouse and my father-in law took my old mortgage Homeside lending which was great and got it transferred to Midland. In the mean time my spouse died and I have almost been foreclosed upon 2 x in 6 years because 1st I did not know they were servicing the loan and had a child with a severe health conditions. I have had a mortgage for 15 years I almost owe the same amount as the original mortgage don't know what those people are doing but it is crazy. They need to be stopped before all the customers lose their homes and are homeless even though they are paying their mortgage as I have been for the past 15 years. Help us to save our homes ok

by DC From Ooltewah, TN on September 08, 2008

This company scares me! My First Horizon mortgage was bought by Midland. I never had a single problem with First Horizon, and have never made a late payment on ANY mortgage, including this one. Lo and Behold, the first payment I make to Midland "disappears" and they charge me a late fee. I had to stop payment on the check and wire-transfer the money. They never made a collection call, sent a letter or anything. The only way I found out was that I was trying to re-fi my other house and they had to do a Verification of Mortgage, at which time they told my broker that my July payment wasn't received yet (it is Mid-August by then). The housing market is crashing and my vacant house, the one that Midland now holds the mortgage on, HAD about $40K in equity. Now it has MAYBE $10K. I have already bought my permanent residence that I will live in for the next 20-30 years so GUESS WHAT MIDLAND! You want it, you got it! I'm not making abother payment and they can kiss my merry white a**!

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????