Consumer complaint received 2018-11-18
Company: M&T BANK CORPORATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mother died in XXXX in XXXX. I became the executor on XX/XX/XXXX but the company M & T bank gave me a fax number that I used on that exact date but they didnt update my account and said I used the fax number but it went through intially. So I resent and was updated sometime in XXXX. In XXXX I paid XXXX dollars to get caught up although my first payment was in XXXX for XXXX dollars. So I received a call from co. And discussed my concerns about the payments I had made up until XXXX. They said XXXX covered until XXXX. However the real issue was in XXXX XXXX dollars applied to principal loan amount. Throughout the time I sent in death certificate and made payments I was charged numerous occupancy fees as if when no payment was made the home had been abandoned. My loan intention paperwork stated continue to pay or payoff. In XXXX they said I owed XXXX. The orginal amount borrowed in XX/XX/XXXX was XXXX. We had two other mortgage holders as banks sold my Mothers loan.XXXX XXXX and XXXX  XXXX XXXX. XXXX  XXXX XXXX also had got into big trouble for inflating loans and selling them right around the time our loan transferred to them. When I called and asked they told me if it pertained to us we would receive something in the mail. Anyway M & T payments were around XXXX when my mother had been alive then they went up to XXXX however in XX/XX/XXXX I had taken XXXX off principal when they did their assessment my mortgage was XXXX $ up 200+ dollars. I emailed them my concerns because in XXXX. I anticipated yearly assessment and called the mortgage co. Spoke with insurance and regular customer service and was told Id be fine should not change at all. They paid out 1 extra yearly insurance amount of XXXX dollars in XXXX or XXXX but told me that wasnt the reason they had XXXX XXXX XXXX in escrow as My Mother had arranged. However XXXX XXXX sent M & T info for my own specific seperate vut new coverage in my name with probate status. I sent a XXXX payment in XXXX and it was sent back saying partial payments will not be accepted. I was under impression that they were working in resolving the mortgage increase so I stopped paying aftwr a check bounced in XXXX through automated system because I was not able to change the payment amount via that system. 
I got the principal down to XXXX in XX/XX/XXXX. They had me in default with no email correspondence or answer to this increase after my large lump sum payments. So in XXXX I purchased another home with money from my inheritance. I had to pit XXXX dollars worth of work into the home that was built in XXXX and sent them picture and proposals showing that data. 
I emailed again indicating i own another home that I recently bought because I couldnt afford the XXXX per month and even if I rented property I can only rent for about XXXX per mo th and so I maybe selling unless when my taxes come I XXXX I can pay off the foreclosure amount but Im willing to bet theres every fee imagineable associated with the foreclosure. I think theyre using lawyer I dont know the name off hand XXXX or XXXX XXXX they will know it. But I have a good amount of equity in the home and as stated I may get it out after I contact HUD as its FHA but M & T assistance line said Im not eligible as executor of estate because the loan isnt in my name per se.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief