Consumer complaint received 2019-01-12
Company: M&T BANK CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
All of this started when I enrolled in college so that I can have a career that involves me helping others, especially children. I was not working during school and got divorced while in school. Financially dependent on my ex-husband, I was unable to pay my own bills for years and was constantly falling behind. I graduated in XXXX, yet it took a year for someone to hire me. I became a XXXX at XXXX XXXX XXXX in XX/XX/XXXX, and I made the decision to get my financial freedom back. I was aware that it would take time, and I was working slowly but surely to get there. Then, in XXXX, my car broke down. 
My car broke down on my way to work in a different county from where I live, and one of my bosses came and picked up my son and I from the side of the road. My motor had locked up because I had an oil leak. To get a reliable car, I had to give {$2000.00} as a down payment, which was the cause of me not paying my mortgage at that time. I had to decide to either pay my mortgage and lose my new XXXX job due to no transportation, which would cause me to still lose my house or purchase a more reliable car and pay mt mortgage with my next paycheck. Therefore, I attempted to resolve my past due account by increasing payment amounts ( and making additional payments as well ). However, when I made a payment of {$1000.00} on XX/XX/XXXX and an additional payment of {$250.00} on XX/XX/XXXX, my payments were refused by the mortgage company, and I received letters weeks later from XXXX XXXX informing me to come pick up the payments I had made. At that time, I had not received any letters from M & T stating that my home was in foreclosure, and I was told about the foreclosure by the representative when I called the company to inquire about why my payments were refused.The letter from the mortgage company reached me after all of this took place. At that time, I was behind no more than {$3000.00} and could have caught up my mortgage had the company not refused payments. My purchase price was {$90000.00}, and I owe less than {$60000.00} on my home, which is worth way more than {$60000.00}, and it would benefit the mortgage company more to foreclose and resell than allow me to catch up payments on a home I have lived in and maintained since XXXX. 
The company sent an application for me to fill out for a workout plan, which put a hold on the foreclosure until a decision could be made, but they turned me down, and I received that letter on the XXXX although the date of the letter is the XXXX. I was given until the XXXX to file an appeal, which I did and mailed it out today through priority mail. I really do not understand why the mortgage company is unwilling to work with me when they know my history because I have had to explain it in requested letters, and I have sent in every document they have asked me to send in and showed every ounce of desire to do what it takes to keep my home. I have been here 15 years. My children grew up here, and honestly, I would like to remain here until my death.

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