Crafty Money Q.
My mortgage was bought by midfirst.
My mortgage was bought by midfirst. When we were going through difficulties, they claimed to have assistance programs...This was a lie! They offered to adjust our mortgage by putting the 2 missed payments on the back end and double our interest rate in the process. We ended up doing a 3 month deal which added the outstanding balance to the monthly regular payment..stating they would proceed with foreclosure if not met..fourtunately i know how to hustle..but how is this assistance? Also note ee have substantial equity..theyare all too happy to steal ones home and sell it to a greedy billionaire at half the price. So..getting the loan up to speed from there to now..I needed to change the date of auto pay...as my expenses are crazy this month...mind you...still paying. Just changing the day. On the website it says I can change the date but it needs to be within 3 days of payment...so it being four days before the date I scheduled , obviously I am within the time to reschedule my auto payment...I call in they told me to log in and cancell the payment..I do this and a pop up says I cannot do it as my payment is being lrocessed..FOUR days before my scheduled payment!!! A few times I saw it being paid on the first well before my scheduled date...They lied and said no we have never done that... I then supplied my bank receipts..All the supervisor could say was I understand your frustration...( not even acknowledging their SUS ways. I do believe they are committing fraud and got caught.. as their reason I could not change the date was the payment 4 days before my scheduled withdraw was in process! Excuse me... it should be taken out on my scheduled date not 5 dsys before... They said I can stop payment..which cost me 30 dollars and who knows what they are going to charge me. Basically...They are scamming in the open without excuse or apology...however...I will be contacting an attorney to fully understand my consumer banking rights. They bought our mortgage...during covid...when we had the house in foreberance..pribably hoping we would derault...but nope..not gonna happen. Our interest is way below current market and they have tried every trick to get us up to a 7% interest rate! They are shrewd, greedy, fraudulent, not concered at all with humanity, only in the aquisition of property and homes at the expense of American Family welfare...kind of like the current administration in DC If you have other options run don't walk from this bank...as soon as interest rates fall i am 86ing this bank... Don't get a mortgage here...this is a ruthless fraudulent bank...like Wells Fargo... I would bet on Kalshi this out fit is going down soon!