Midland Mortgage
Reviews and Complaints

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 to the homeowner as well as her mortgage company, Midland Mortgage. I sent the check in, as well as the estimate of repairs, the contract between myself and the homeowner, my tax information, and the insurance company's explanation of benefits to Midland Mortgage to be signed off on and returned for payment of repairs. Midland Mortgage did not call, communicate or send any info. I called to check the status of the check and they refused to speak to me (even after them having a copy of a signed, legal contract between the homeowner and I) I advised the homeowner and she called and advised them to add me to her accounts contact list, they refused unless she sent a notarized copy in. We finally got that done, then they sent her several sheets of paper to fill out and that I had to fill out (which was overkill due to the fact they were the same type of documents that I had already sent them) we filled those out and sent them in...still nothing. Called them back and they are requesting a copy of the insurance company's adjusters report (explanation of benefits). I advised them that I had already sent that to them, they stated it was not on proper insurance company letterhead. I advised them that the insurance company had hired an independent adjusting firm to handle the file. They said "that wasn't their problem", and they needed it on insurance company letterhead. I called the insurance company and they stated that it was ridiculous, but they would do it id they received the request from the mortgage company. I called back Midland mortgage company and they stated that "it wasnt their job to request anything from the insurance company". They have now had the check for going on 3 months drawing interest on it and refuse to release it. I am also a licensed insurance adjuster here in Texas and know that Texas Department of Insurance requires mortgage companies to sign off on and return insurance checks to the insured within 30 days or show just cause why they did not. I m going to report them to the TDI. This is outrageous! I have never dealt with such as this before. Everytime I ask to speak to a supervisor, they send me to a voice mail that never gets answered and I never get a call back.

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 of foreclosure they are irresponsive and pointing the finger at others for their own incompetence. Would I term them a snake in the grass I'd let you be the judge but I'd rather be set in boiling oil then to ever due business with this irresponsible, poorly oriented, insensitive, pirhana of the mortgage industry. This is just one man's opinion but I think they stink.

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.

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.

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 required, I have faxed over everything they have asked for multi times and they continue to say they did not receive. Left numerous voice messages, no returned calls we are now heading into mid june 2011 still have holes in my walls... Horrible customer service.

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.

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

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.

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 new reasons every time to not qualify us for any loan assistance programs. We have been trying to work out a loan modification for 2 years now, bringing our hopes up each time and then crushing them, and its not until recently that they say the lender does not want to work with us. They waited 2 years to tell us this. I know a whole lot about customer service and trust me they dont even treat you like a customer but a piece of... Really stay away from them while you can.

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 cashed. When I call all I get is the run around. I was under chapter 13, my case has been dimissed. I don't know if I am in the process of being forclosed on or because they won't discuss my case with me. Where are my mortgage payments. By the time I get help I will lose my house. They are not concerned

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.

My daughter got a credit card 5 or 6 years ago with a 500 dollar limit on it and couldn't pay it off after a year. two weeks ago someone from this midland funding with someone they said was a court officer showed up at her house and gave her some court papers that stated that she either paid them 1265.00 NOW or they were authorized to take her jeep. this was for the balance of the card plus a bunch of fees and interest and costs. they told her if they took the jeep which was real old and couldn't sell it right away she would then be charged for storage fees. and if they couldn't sell it for enough to cover the costs that she would be charged for more money or lose more property.

she had 600 dollars on her only because she just got paid and borrowed the rest from the neighbor. and they wrote paid in full on the paper and left. that was her bill money and money to get her kids some clothes and shoes for school. I have never heard of such a thing happening. has anyone else had this happen. and is this a legitmate thing or was this a scam and a way to rip people off. And is there anything we can do about this.

Midland mortgage held over $3000 hostage in a suspend account stating they did not know what to do with it. Account numbers were listed 2x on all checks. They had the nerve to have a law firm send a foreclosure letter. When I inquired why I was in foreclosure, the best answer they could give was "I don't know, I will get with my manager and give you a call back." I did received the call back stating that they were sorry for the error and that funds in their suspend account made my account current. Recession is no excuse.

Midland Mortgage CO. States that they are in Oklahoma because the rest of the country can just kiss the ground the charp on.

We paid off our mortgage but this company will return $1, 800.00 in over payments untill they see fit. According to the customer svc. rep. The State of Oklahoma allows midland co. this right. We Live in NC. I am a retired Army SF intell disabeled vet.

Why can't we get our money from this company? They bought our loan. We bought it back!

This company pissed on me, my wife and our daughter. Class action is the only way to end this.

Okay, so I am going for a job with the County and they discovered an account with collections through Midland Funding LLC. I called them, they gave me a phone number for an attorney. I called them and asked them for proof that I owe this account. She tells me that we don't need to give me anything, I owe this money, we proved it by going to the court and getting a Judgement. I told her that I never received a summons and that I want proof of this account. She again told me that they do not have to send proof, that I do owe according to the Judgement. I said if you can't give me proof then I am going to sue you for the proof. Let's see what happens now. I can't get this job if I don't make payment arrangements, but why should I pay a company that said they served me, sued me and got awarded a judgement if they can't prove to me I owe this. Ugggg, I am so very frustrated. They are costing me a County job.

Everyone needs to check their escrow statements! I have a overage of 1014.82 in my escrow account per my 2009 Annual Tax & Interest Statement. Instead of my mortgage payment going down it went up! When I called Midland Mortgage they said it went up because of a possible property tax increase. How can that be? There's no way my property taxes can go up that high to justify the increase in my payment plus the extra money already in my escrow account. As I understand it at the end of the year your escrow should be near a ZERO balance.

I did an ach transaction with midland mortgage co. To the tune of 2300 plus dollars. It shoud only take 2-3 business but this one took a week and then it was rejected by my bank.. The time line is this feb 13th contacted midland which was a friday... By monday the transaction was underway... By the 20 it was returned... On the 23 rd they knew it was not a good transaction... Did they tell when I called between the 20th or 23rd or even after these dates.. No. Just today the customer service agent told me "oh, they didn't inform you about this." what they did was withold the information and make me feel as if it was my fault for not checking my bank account. Which I did, that's why I was calling for two weeks, but they kept telling me that everything was okay and I should wait and watch my account for the withdrawl. Didn't happen they blamed me and charged me with penalties... Now instead of being paid off.. I owed for dec, jan, feb, and march was around the corner. When I sent 1700 in it was over half of what I owed but the march payment of 800 still wasn't en0ugh to keep them from rejecting future payments, although they decided to take two other payments because they were doing me a favor so I would go into default.. What a joke... Now I have a contract for reduced payments and owe over 7000.00 due in march. This includes the lawyer fees of 900.00 late fees and so on. After almost a year of phone calls to figure out what went wrong with ach, a customer service agent finally found the part where they knew and didn't inform me. My bank manager who helped me figure out how ach charges work told me that this was fishy and I should contact a lawyer. Anybody game contact me at [protected]@yahoo.com or if anybody or has a suit in progress add my story to the list

Our mortgage was sold by GMAC to Midland Mortgage in November 2008. I have never ever dealt with a company as heartless and unwilling to even take calls or money as this company. I call them daily to try to discuss a work out solution for our mortgage, offering cash for a forbearance plan that they suggested. The amount they want changes constantly and now they hang up on me after passing me from one non-knowing customer service rep to another.

All I wanted to know is, what we owe on the house and how much they claim we are past due. After notifying us with one figure, they claimed we had money sitting in escrow so would owe less. Then when it came time to wire the funds, the number changed by 3, 000 more. No explanation - they don't know why? At this point, we are days from loosing our home, have the money to send but are afraid it won't get applied and we will be out the money and our house.

With everything in the news about how there are so many programs and banks are supposed to be helping people keep their homes, someone needs to tell this to Midland. I feel it should be illegal for them to hold the mortgage on your home and not be willing to service it according to law. I feel like I want to say forget it, they can have this house - since they won't even answer any questions or give me an accurate figure. That only hurts me.

I am sure there have to be others. Our loan is a FHA loan and it seems there should be guidelines they have to follow? This whole thing is unbelievable, that they should be in business. I would be willing to join a lawsuit.