Midland Mortgage
Reviews and Complaints

My home loan was with GMAC and was sold to Midland Mortgage in November of 2008. Today I received a new coupon booklet that shows my payment will be increased in April 2009.

I called Midland and they stated that the increase was probably from Insurance or Taxes. I looked up Taxes and Insurance and there was no increase so I investigated this further. I found out that I have to have 2 months worth of escrow in my account at all times over and above my normal escrow. I ask the customer service representative why and he said this is our policy. I asked if interest would be paid on that money and he said he was not sure. He asked if I was paid interest by my previous mortgage company and I stated yes if they kept it. GMAC would send a check for any overage so this would not occur.

I am in the process of obtaining legal advice because my loan originated in Texas and then transferred to Midland-Oklahoma so I am not sure of how this works from one state to another.

Will keep you informed.

My mortgage was held my Midland Mortgage Company for a short time. I recently refinanced and Midland Mortgage Company was paid in full. This status was reflected on their website. At the end of the month, Midland Mortgage Company took an automatic payment out of my checking account on an account that had already been paid in full. When contacting them, I was told it was MY fault because I never canceled the automatic payment (on an account that was paid in full). When I looked at my account online, I saw that they just moved the unnecessary payment into escrow, rather than return it right away. It took seventeen days for them to send me a paper check in the mail. I found out today that the check was returned, either by lack of funds or by them stopping payment on the check. This issue is still not resolved. They still have my money. This is fraud and must be illegal.

My GMAC mortgage was sold to this Midland Mortgage in Nov 08 as Warren, in Michgan was and it has been the worst mortgage company I have had in the 15 years of my 30 year mortgage, I have received no payment book, and I called to make the payment over the phone and they wanted to charge me $20.00! cannot utilize the internet to make payments. This is the mortgage company from Hell! How if/possible can we move our mortgage to someone else without having refinace and all that crap! I am worried about my line of credit as stated Veronica from Austin Tx, this is a very serious matter and we all need some serious guidance before something major happen! Please help me with any suggestions. I advise all who deal with them to use some form of tracking to keep up with payments ect, thank for allowing us this site to share and see other rip off or bad experience with business.

These people are deceptive -- You inform them that you lost your job long before you even fall behind on one payment & try to get any assistance information, get you will be missed payments added to the end of your loan --They tell you you must be late on a payment minimum 45 days, but they can get all your info and submit it for assistance before this happens and mail this info to you.

2 weeks later you call to get an update, they tell you your account has a rep in D.A.C that they will contact you -- but you still leave this person a voice mail (Jennifer) letting them know that you're eager to provide them with all proof and information they need. She never listened to her voice mail to get the number to contact me during the day, she always called while at work.

You fax her a copy of your first pay stubb with the hire date, rate of pay, a letter from your HR dept saying if they need any additional information to contact them with phone numbers, fax numbers, email address. You also send all proof of income. This dumb ###, after weeks of trying to get in contact with her and finally speaking with her supervisor finally calls you back. But now it's too late for you to save your home and get any assistance she closes your file 3 months later! These people are not interested in helping you out, they're are a bunch of lazy, incompeted MF'S. That can't even pronounce your name right. It's basic English.

If there's anyone out there that's dealing with this BS from them and have any suggestions on how to beat them at their games please, please email me.

The last thing I want if for 5 years to go down the drain because of these blood sucking leaches!

I received a letter saying that Midland funding is going to start garnishing my wages. I did not ever hear of them and I don't know who they are collecting on behalf of. This is crazy I don't know how and were these people got my information. I will be doing a full investigation of this company. They are nuts to think they will get away with this nonsense. I know I have some Credit Card debt that I am trying to resolve it is hard and now they are going to mess me up. I think Credit agencies need to go about business in a different matter this absolutely ridiculous.

I was the victim of hurricane dolly and now I guess I am the victim of this mafia style mortgage co. called Midland Mortgage Co. I don't know how they hustled or muscled their way to overtake my previous mortgage carrier but these goons did, not only are they going back to a stone age way of accepting payments, now they are telling me that they will hold my check hostage until I show proof I am fixing my roof with the cheap funds another hustler, Farmers Insurance gave to replace an entire roof. If you have or plan to have this company, get away from it, do what I am going to do my and try to find another mortgage co., however I am just a victim of the system and this company has me my the you know what. DON'T GO WITH MIDLAND... YOU'LL REGRET IT!

Midland Funding is a bad company. To collect on past due credit cards, there is a statue of limitations for every state. Do your research if yours is past go to court on these guys. It will be dismissed. Do not ever make a deal with them that is what they are counting on.

They have no documentation that you owe any money.

Use your Better Business Bureau also. Good place to check a business out. Attorney's included.

[protected] cell phone for process server ha ha

I am sure they would love phone calls.

Do your research is a plus. Hiring a good attorney is better.

My garage burnt over 2 years ago. It was covered for $15000. The insurance company cut a check for $15000. My wife and I endorsed the check and sent it to Midland which needed to endorse it also. The first thing we heard was they wanted an estimate from a contractor and they would cut a check for $10000 and the remainder after an inspection on completion. We got an estimate then they wanted an itemized estimate from the insurance company board by board. The insurance company stated that it was totalled and wasn't required. Now Midland wants the repairs made before they will pay and holds a $15000 check from my insurance company. I'm glad our house wasn’t destroyed. We would be homeless until we built another home while Midland held our insurance check?

We have flooded 7 times since 2001. We were only able to file 3 times. Twice was on the house itself and once on contains. The first time that we flood the flood insurance only paid a small amount. We only got 13 thousand dollars. We waited to try and make sure that the house would not flood again before we remodeled the house. Since there was only $13000.00 given that was not enough to cover to have the house completely repaired. We ended up paying out of our pocket $9000.00 more. We have been fighting with the city of Alvin regarding the flood and at this point we have not been able to get anything done. This passed November we flood again. The flood adjuster gave us $30,000.00 to repair the house. I called and talked to a Dan Tracy. I was told by Dan Tracy that since we had so much trouble last time he would make it as easy as possible for my wife and me to get the repairs done. Dan Tracy told me to get the quotes and to fill out the paper worked that was required by Midland Mortgage. I filled out and got the quotes that were needed for the walls and floors and bathrooms to be repaired. I then called to confirm that Dan Tracy had gotten the fax and that is when I was told he was no longer in that department. Every time we call Midland Mortgage we talk to someone different and they tell us something difference to do. We do it and then it's something else we have to do. We had a quote from the contractor for the cost and then it was to have them have him fax another quote for half the work. I was given $5000.00 for the work that I had already done and this work was told to be done by the flood adjuster. Pulling carpet, padding, renting fans We Midland sent two checks one for $3000.00 and one for $5000.00. I told them to my back and I was told that I had to have the contractor on my account which was never going to happen. I called my wife and she was also told the same thing. The one check for $3000.00 was cleared because we had the funds in the account to cover them. I still have to wait 7 business days for the second check to clear. Contractors do not work this way. You can't just give them a few dollars and stop them in the middle and wait until Midland Mortgage decided to send another check and god know what that amount is going to be. I still have my floor to get put back in. The insurance has released already $8000.00 to the contractor with $5000.00 still on hold for clearing. I understand that some people will take the money and just walk away and not repair the house. This is not the first time we have been through this and I am sure it won't be the last time. Midland came and inspected the house last time and seen that we did do the repairs. I have even subjected that they send an inspector out to make sure the work is being done, but just make sure we have the funds to pay the contractors. Midland claims they have an interested in the house, but so do we. If the are so interested in this house why are they not going with us to cit hall to fight them to stop all the flooding that we are having. I am not sure if there is anything you can do, but I would appreciate any help you can give. I need this house fix ASAP my wife is disable and I am having blood pressure and heart problems and this is make it all worst. Please help if you can.

Thanks for any help you can give
Joe Guerrero