Consumer complaint received 2015-08-29
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I suffered a severe hardship, I have been XXXX since XX/XX/XXXX. I finally had a hearing for my social security XXXX benefits on XX/XX/XXXX, which the judge approved my case. I contacted my mortgage company the same week and spoke to XXXX and informed him that I had been approved however, I would not receive my approval letter for up to XXXX days per Social Security Administration. XXXX informed me that as long as I keep the lines of communication open I should be ok. I have told the mortgage company almost every month that I have been waiting on Social Security. I fell behind and did not pay XXXX or XXXX payment. I received a letter from First Merit Bank dated XX/XX/XXXX stating that I was in breach of contract and that I need to pay XXXX, XXXX, XXXX and XXXX in order to not face foreclosure. I paid {$800.00} last week and {$1800.00} today XX/XX/XXXX. That is the total due minus XXXX payment. I have been informed of my contract that I signed by many collections agents but when I informed them that I am not yet obligated to pay XXXX payment they keep threatening me because I have not yet paid for XXXX. At this time I feel they are doing something illegal due to the fact that my contract states that my payment is due on the XXXX of each month and not a day before, however, they are trying to squeeze another payment in advance from me and have stated that they will not apply any of the money I have paid to my mortgage, setting me up to be foreclosed on. I have shown good faith by making the past due payment and I just want the threats and harassment to stop. I have health issues and certainly not trying to avoid making a payment. I do have children and XXXX at First Merit uses many threats as I have spoken to her a couple of times. I have asked to speak to XXXX and the team lead refused. I asked XXXX at the bank to give me the total due today minus the XXXX payment and he refused and I called back to speak to XXXX who gave me the amount and yet again he advised me that I am still in breach despite me paying XXXX, XXXX, XXXX mortgage payments and all fees except the XXXX payment. I have applied for modification on XXXX occasions this year and was denied both times due to the amount of income. I have been proactive in contacting the mortgage company however have been received with snide comments and sarcasm. I understand they are in collections but I am reaching out to them and they are rude and callous. The team lead, was the very worst and he was the most rude. First Merit Bank have very limited number of branches in XXXX XXXX, they do not have an online payment system, they are only open Monday-Friday until XXXX thus making it very difficult to make convenient payments or have any questions answered. I have tried to reason with the bank to no avail. I am more than willing to make all payments that I am obligated to make, but I am looking for some reprieve because I am doing the very best that I can and will continue to make the payments and get completely caught up once I start receiving regular payments from the Social Security Administration.

Company response to consumer: Closed with explanation