Consumer complaint received 2015-09-23
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This complaint is in reference to First Niagara Bank ( XXXX, XXXX. ) ... ... .. 
The federal consumer help center has advised me that a complaint letter has been sent to you on XXXX XXXX, XXXX. Please acknowledged that yu have received that complaint, going to describe the seriousness of the this fraudulant mortgage loan. On XXXX, XXXX, letter from FNB sent me stating I owed {$18000.00} on my home that we built in XX/XX/XXXX and currently lived in. XXXX was the XXXX bank to take over this mortgage, I intially contacted FNB and told to contact the branch in XXXX, XXXX, as the bank was unable to explain any further detail. I spoke with FN in XXXX ( XXXX XXXX and XXXX ). Their intial response was that they had no answer and did not confirm any help in this matter.The mortgage paper payment coupon stated in needed payment in a 30 day period. ( XXXX ). I then proceeded to call XXXX XXXX every other day to but to no avail and no response, although she had promised an answer as to my inquiry. Finally, upon response from XXXX XXXX in the 2 week period, she had confirmed the amount went from {$18000.00} to {$60000.00} and could not reason why the amount changed so drastically. She responsed I will get back to you with that change in value.During this time, FNB was applying late fees & penalties to the mortgage unbeknowsnt to me. I reatained an attorney at this time to help with this matter. The attorney was also unable to obtain any information at that time from the legal department concerning the mortgage fees. Not knowing what else to do and not loosing the home, it was suggested that I file chapter XXXX Bankruptcy to reorganize, while waiting for a solution. The monthly payments were, {$1600.00} -- the same payment for 29 years respectively. The 3rd month into the bankruptcy, I received another letter from FN Bank stating that I was not making payments, I sent copies of the payments from the attorneys office to FN Bank, FN replied, the amount was no longer XXXX, it was {$3.00}, XXXX .... The last statement received in XXXX, XXXX, stated that the amount I owed was XXXX -- -30 days prior, the statement received in the mail stated the amount owed was over {$1.00} miliion ... so how did this severe increase go from a normal amount to a shocking amount ... FN bank refuses to speak with me or will not speak to me regarding this matter, back then when I owned the house and did not/could not /or themselves have NO explaination what so ever. In XX/XX/XXXX the home appraised at {$620000.00} - I owed {$320000.00} -- - In the years since I have been trying to get an viable correct answer, FN Bank has been draining the equity of the home with their extra fees and penalities. 
In XXXX XXXX, without any given notice, FN bought the home for {$460000.00}, FN Bank gave me until XXXX, XXXX to leave the home. I left in XXXX, XXXX, on XXXX XXXX, XXXX - a gentleman named XXXX XXXX XXXX ( who owns XXXX other properties ) came into the home, that week XXXX without owning the home, brought in contract workers to do work on the home without even owning the home .. Shutters and landscape were removed from the home with out any receipt or deed to the home. Walls were coming down, toilets were removed railings were coming down off the balconies - Pool was filled in with dirt. In XXXX of XXXX, I received a phone call from XXXX XXXX asking me if I wanted certain items from the house, and that he had made an offer the bank for {$310000.00} to tthe bank and that FN would accept the offe. I am not sure how he received my number and why would he call to tell me this news. However, he called me 2x, the first was in XXXX XXXX, when offered me {$5000.00} to move out of the house, I toldd him to call my attorney and XXXX hung up on me. XXXX XXXX, XXXX Cash deal of {$310000.00} sold to XXXX XXXX.Please explain to me the tragedy of the banks accounting failure and lost my home.

Company response to consumer: Closed with explanation