My mortgage was also sold by GMAC to Midland Mortgage in November. The very first month that Midland took over, they started saying they weren't receiving my mortgage payments. It took them 3 months to even locate my loan in their systems after the sale took place. This, however, is nowhere near my biggest problem with them. Because of the delay in finding my loan, they have always shown me to be a month behind on my mortgage, even after I paid them 2 months at once.
This month I got fed up and sent them 2 separate payments by postal money order, guaranteed overnight delivery, in the same envelope. I went into my account on Saturday and it showed 1 payment credited but no mention of the other one at all. These payments were in the exact same envelope. The customer service representative said she would check on it and see what happened, but that it was common for 2 separate payments in the same envelope not to be processed at the same time. Come on, you're trying to tell me that someone in their billing department opens an envelope, finds multiple payments inside, takes one out and processes it, and sets the other one aside until a later date? Either they are completely incompetent or they are lying, one of the two.
I have been having this problem since they took over the loan. They tell me that I am a month behind, so I pay two payments at the same time (one for the arrears and one for the current payment), which should catch me up and make my account current, right? Wrong. The very next month they tell me that they received the 2 payments but that I am still one month behind. This has been going on for a year now, and I have absolutely had it with them taking thousands of dollars from me and claiming it's my fault because I am behind on my mortgage and affecting my credit report.
So this month I intentionally sent the multiple payments by postal money order and guaranteed overnight delivery by the United States Postal Service, for a reason. I knew that they would find a way to give me only partial credit for the payment, which they immediately did, just like in the past. The only difference is that because I sent everything through the US Postal Service, their intentional misappropriation of funds is now a federal crime.
It was obvious that the customer service representative was smart enough to know what I was doing, because the very first thing she wanted to verify with me was that the money order was actually issued by the United States Postal Service. When I told her yes, it was, and that it was intentionally sent that way because of their deceptive tactics in the past, she told me that all collection proceedings on my account would stop immediately and that they would track down and post that payment within 2 business days.
This company knows exactly what is going on with their representatives, no matter what department they work in, and they normally don't care. However, they obviously care a lot more when you find a way to get them criminally investigated by the US government. My advice to anybody who is having trouble with Midland Mortgage is to start making your payments with postal money orders and send them with signature confirmation required by the US Post Office. They are willing to take their chances with anybody else, lawyers, etc. They are NOT, however, willing to take their chances with being federally investigated and prosecuted. I hope this helps some of the hundreds of other people who are having trouble with this company.
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