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Midland Mortgage

Midland Mortgage

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3 36 complaints
21 resolved 15 unresolved

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Midland Mortgage reviews & complaints

Midland Mortgage complaints 36

Midland Mortgage - Owed tax refund check

Complaint Details
Hello, My complaint is I have been waiting for over 7 months for my check of overpaid taxes that I have been attempting to retrieve since they were mailed in March 17th 2021, I have spoken with Midland Mortgage since early March in reference to my over pay reimbursement which was explained to me that I'd receive the check shortly after my settlement of my refinance of my original mortgage. After a month I contacted Midland & was assured the payment was sent . After another month or so when I tried to inquire as to where the check was they had no information & I was told there was an issue w/ the mail service in my area COVID etc. Another month goes by & I received an email which states that my check was mailed approximately 3/17/21 so I called back to inquire & I was told that email was sent in error but after further review the employee of midland stated that the check will be reissued and could take up to 20 business days, so after 40 business days, this is my 4th issuing my check . Now approaching 8 months !

Desired outcome: Receive my check and interest for time spent

Midland Mortgage - failure to apply escrow payments, unauthorized use of mortgage escrows, failure to disclose modification policy before use

I have retained council, this mortgage company is unscrupulous, my mortgage was sold to them during the hurricane and they did not honor the previous companies terms of a deferment. They wanted a...

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Midland Mortgage - short sale

We have been cooperating with Midland in an attempt to get a short sale this has been going on for greater than 70 days, we have a letter that said we qualify for it then they send an appraisal out...

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Midland Mortgage - Loss draft department

I am also in the same boat. I sent my documents, check (which is a little over $4, 000.00) from my insurance company. I had a leak in my roof which was causing damage to my ceilings. I had a new roof...

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Midland Mortgage - taking money and not using towards principal

was in a forbearance plan for 3 yrs, paid out 45, 000 dollars, and my payments never did go down to where they had bee, still paying 1006.47 per month and I am still owing in late fees escrow...

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Midland Mortgage - Not honoring house note agreement

I am seeking help against Midland Mortgage for overcharging/gouging/not keeping in good faith of original contract and agreed upon house note payment/outlandish unrelated billing charges. Thi...

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Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Midland Mortgage - Systematically Misinforms Loan Modification Applicants

I dedicated four months to working with Midland Mortgage, rearranging and resorting the same paper work over and over again, during the loan modification application process. After versions six, I...

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Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Midland Mortgage - makes loan modification impossible

I dedicated four months to working with Midland Mortgage, rearranging and resorting the same paper work over and over again, during the loan modification application process. After versions six, I...

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Midland Mortgage - Failure to release insurance funds for repair

I am a contractor that contracted to a homeowner to do repairs to her home that were covered by insurance proceeds from storm damage. Received the check from the insurance company that was made out...

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Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Midland Mortgage - Short Sale Procedure

The Mortgage Company completed 2 - 3 re-modifications that had been just plain senseless. Collected Monies to complete these transactions with little to no redeeming value. Now with property in state...

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Midland Mortgage - Escrow Release Issues

Home damaged during hurricane Irene back in August - Midland has taken over three weeks to release funds that my insurance company paid months ago to repair my home. Total scam to keep my money in escrow and keep collecting that interest. Was told it would take a couple of days for an inspector to visit the home and document progress, then 5-7 days to release funds. Took inspector over a week and a half to get done and now three weeks later still waiting on check and all work on my home has stopped since contractor is out of money. Called Midland repeatedly to find out status and was told just this week that since check was over $50, 000 that it would take additional time since Vice President had to sign the check. Such bull and there sits my house not getting repaired and me in a rental for longer waiting on Midland to "process" the darn check.

Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Midland Mortgage - Anything being done excepting complaining

I see all these complaints about Midland Mortgage but is anything being done to have them stop their illegal practices?

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Midland Mortgage - Holding Insurance Check

In April of 2011 we suffered damage to our home from a natural disaster. Our insurance adjuster estimated our damage to be nearly $15, 000 and made the check out to both myself and midland mortgage. After sending in all required paperwork, it took nearly 2 months for midland mortgage to finally send the first disbursement of money payable to the contractor, who mind you had already replaced the roof. Once the contractor deposited the check, midland denied him the fund because he did not correctly endorse the check. I have spoken with several different representatives, all of whom have no idea how this company works, yet feel entitled to give false information. I requested an inspection to be completed in order to pay my contractor for the work that had been completed, and while I was assured the paperwork had been submitted, approved, and received by an inspector 4 days prior to this phone call, I was shown by the inspector himself that the fax with my information and request came in 9 minutes after that precise phone call. Once my inspection was sent in, and I followed every direction in receiving a second disbursement, I was sent a letter in the mail stating my claim could not be processed until a final disbursement form was completed. This form, not only states it is a FINAL disbursement, but also requires both mine and the contractors signature stating all repairs are 100% complete. Their guidelines specifically state we must have an inspection when repairs are 50% complete, and a second disbursement will be sent out. Nowhere does it state this form is required until our request for a THIRD and FINAL disbursement, that it then requires our signatures to state that all repairs are 100% complete. Why on earth would we sign a form stating repairs are 100% complete when they are not? However, Midland sent a letter stating this form is required with all inspections, yet it is not in any directions in the loss draft packet I received from them, nor did either of the 2 representatives, supervisor, or representative for the Vice president tell me I needed this form. So, they have not only denied my contractor his first payment, they have held his second payment until a form is completed; a form that states all of the work is done when he, I, the inspector and ALL inspection paperwork clearly states that only 85% if the work is complete. Getting a supervisor or someone with authority and knowledge to call me back or get on the phone is a nightmare. Every time I request to speak to one, I get put on hold under the impression the representative is getting someone, only to have the exact representative return to the phone to tell me information she "sees" on her computer, it recently took 3 requests for the girl to finally transfer me to her supervisor. This service is unacceptable, and by them holding our $15, 000 check in their bank they are making interest off of it each month. It has been 5 months now and not only should this be settled and paid out, any interest received off our check should be divided amongst them and me, who the check was clearly made out to by the insurance company I pay monthly in order to have homeowners insurance. With the mortgage company holding our check, all further repairs have been halted, understandably so, until our contractor receives at least the funds needed to pay his balance up to date. We are now 5 months without siding, gutters, screens, or air conditioner repair, which should have all been completed months ago.

As a follow up, onces I was finally connected to a supervisor to address my concerns regarding this form, I was told they had "no idea why this form was sent" and "it is not required until the final inspection, a computer must have generated it and sent it by accident". They apologized for the inconvenience and are working to remedy my claim and remove any holds. That is completely unacceptable for a company to have mistakes like that.

Oh I understand the lengthy process, and their reasoning for ensuring the funds are properly dispersed- my complaint lies within their customer service and their representatives. I have been told false information several times, assured the check had been mailed only to find out it had not, was told the inspection was processed and it was the inspectors fault for the time delay, only to see the paperwork he received was faxed 9 minutes after my phone call to a supervisor (the one who assured me it had been faxed 4 days prior) and now a form requiring a signature guaranteeing the work is 100% when the requirements for a decks disbursement do not include that form, nor would I be correct saying they are completed. That form is clearly required on the3rd and final inspection to release the remainder of the money, hence the term final disbursement. Sending me notice my 2nd inspection for 50% completion is put on hold until this form is signed is the complete opposite from what their website, the packet of instructions, and 4 representatives informed me to do. They need to better their knowledge and communication, and follow their own procedures in order to keep a standard practice in fulfilling obligations such as these. It's not rocket science to educate themselves on how the system works, yet they are content giving assurance to pacify the situation and let someone else deal with it at a later time.

This is pretty standard for a mortgage company. This is why it's best to pay off your mortgage as fast as possible, so you're not held as slave to the lender. If it wasn't for the lender, you would not be able to live there and therefore they can pick and choose how things are done. That's the way every mortgage company is. Everyone takes multiple months to clear any sort of hazard insurance disbursements, and if you don't endorse it as they tell you, it's your fault and/or the contractor's fault for not following their instruction. I'm sorry you had this experience, but it's completely common. I work in the customer service sector of a large mortgage company, and previously have worked with 2 other lenders and have done so for nearly a decade... the process you described as a complaint is pretty much standard.

Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Midland Mortgage - WILL NOT RELEASE INSURANCE FUNDS FOR REPAIRS

I HAD A SLAB LEAK BACK IN FEB 2011, FILED A CLAIM WITH INSURANCE COMPANY WHO HAD TO MAKE CHECK PAYABLE TO MIDLAND MORTGAGE, THEY HAVE NOT RELEASED FUNDS FOR REPAIRS THEY SAY DUE TO MISSING DOCUMENTS...

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Midland Mortgage - Shady Unprofessional

Midland Mortgage is known for allowing employees to violate company policies and then cover it up to protect their employees. There is a lot of shady unprofessional discrimination going on and the Human resource department does nothing to protect the employees. If you are not an *** kisser to management then you will likely be targeted and FIRED~ There is a girl named Jamie Akers who gets high every day on SOMA and since her husband is a supervisor they do nothing. Jamie and Jimmy Akers have violated company policy on several occasions and lied to HR to get out out being disciplined. I worked there over 3 years ago and Jamie was high all the time but no one ever did anything. I saw her sell her pills to other employees. And, wouldn't you know those employees are no longer there but she is. She is a backstabber and cannot be trusted. If you know her RUN! Do not trust this girl.

Midland Mortgage - Scammed me of credit for my insurance check

Had insurance claim. Insurance company Liberty Mutual acted quickly. I paid for the repairs my self because it was the roof. Sent $ 5089.00 insurance check to Midland Mortgage requested they apply it to my payments. They would not said they wanted receipts for cost of repairs. I paid for the repairs out of my pocket. I did not think i would need to keep the cash receipts as the insurance company assessed the damage correctly done to the dollar. Now i am told i have past due 2 months for Mortgage and i have to pay it... because they are not applying my insurance funds... they have them on hold for my receipts. Cmon use some common sense

Midland Mortgage - Rudeness

I am senior citizen and well respected. With the economy as it is there are no jobs for older persons. I have fallan behind on my mortgage, not because I am lazy but because Midland continues to raise my payments to an unrealistic amount. I have tried more times to contact them on the phone but am hung up on by a "little whinny girl that I am sure did not want to be disturbed while playing games or talking to her boy friend". On the one occation I did get through, I was passed around to eight people that said (I can't help you so hold on). I was sent back to Miss whinny. Can't we please get some real assistance.

Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Midland Mortgage - WORST TO WORK WITH

OUR LOAN WAS TRANSFERED TO MIDLAND ABOUT 3 YEARS AGO. THIS CO. REALLY KNOWS HOW TO MAKE OF OUR LIFE A LIVING HELL. THEY MAKE UP LIES ABOUT OUR PROPERTY NOT BEING OWNER OCCUPIED AND THEY COME UP WITH...

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Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Midland Mortgage - missing payments

miss a payment due to being out of work because of medical reasons. i have all of my reciepts for the months up to date and they can't find my payments for the last four months, but the checks were...

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Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Midland Mortgage - They are thieves and don't help anyone.

THis company bought our loan from the people we had them with, as soon as they bought our loan our payments went up and just like most of the other complaints here they say its because insurance and taxes went up and that is bull crap. The houses are going down in price so we wanted to apply for the Obama plan to bring down our payments, we sent the paperwork 2 times faxed and one time through the mail, these people keep saying that they have not received any thing at all. My husband called the company to find out what was going on and all the lady did was laugh like if our situation was funny. This company should not be doing business considering that they do not have respect for their customers neither do they care if we can make payments our not they just like to steal your money and then make it look like it is all your fault. Please if someone that can help is reading these emails let us know how we can get rid of these people and put them out of business. It is cause of companies like this that real hard working Americans are now homeless.

I
Jun 07, 2016

If you haven't found the HARP relief you need this may help: https://harphomeaffordablerefinanceprogram.us/HARP%20State%20Programs/Harp%20Mortgage%20South%20Carolina.htm

I applied for HARP assistance twice due to the recession because I lost my job. All the help they would offer is to raise my payments, I worked my
### off for years to get caught up! Then I asked about refinancing-they don`t do that in South Carolina! They bought my mortgage from Citi I think it was, I should be notified if something like that is going on shouldn`t` I? Had I known 5 years ago what kind of thieves they were I would have foreclosed, let those ### eat it!

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