Consumer complaint received 2015-07-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION (CA)

To whom it may concern I am contacting your organization to file a complaint against The M & T mortgage Bank. Since I have become unemployed, I have been struggling to keep up with my mortgage payments and have fallen behind on more than XXXX occasion but have been able to catch up. In XXXX of 2014, I had applied for the Keep Your Home California ( KYHC ) program for mortgage assistance and was approved for a {$14000.00} pay down in my principle, which was paid to M & T on XXXX XXXX, 2014. On XX/XX/XXXX after falling behind ( again ), I contacted M & T to make the XXXX payments due which should have put us up to date, when I was informed by XXXX XXXX XXXX that I was actually 4 months behind. Not knowing how this could have happened and upon further research by XXXX XXXX I was told that KYHC had contacted the bank " requesting '' that the money be returned. Upon hearing this, I contacted KYHC, to confirm this, but was told by that KYHC representative that they would never request the money be returned, and that once it was paid out they would not accept it back. With this information, I contacted XXXX, the woman supposedly in charge of our account ( XXXX XXXX ) after XXXX minutes of the conversation I was finally told that KYHC had not requested the money be returned, but that the bank had contacted the state of California, and arranged with a XXXX XXXX XXXX in XXXX to have the money refunded. All of this to take place without my knowledge or consent and on the XXXX of XXXX the amount of {$14000.00} was removed from my account and supposedly returned to California, although KYHC has no record of this Trans action-taking place. The banks actions had caused my account to go 4 months overdue. I was told that the Bank had sent me a contract that I need to sign ad return three times ( twice by XXXX and once by certified mail ) none of which I ever received. It became obvious to me that this was a blatant attempt on M & T bank to " force '' me into foreclosure. I had previously attempted to work with M & T bank to have my fixed interest rate ( which has been raised XXXX times to 6.875 % ) reduced sending them the required forms XXXX, only to be told that they required more documentation, and then to be bombarded with forms. I was finally offered a loan modification ( twice ) which consisted of lowering my principle and extending the life of the loan for three years which I declined, in writing and sent to a XXXX XXXX XXXX, although the bank said they never received it. It seems to me that M & T Bank has tried everything but what I would like them to do which is cut the interest rate. Now seeing as how I already have a signed contract, I have no intention of agreeing to or signing anything else, unless it has to do with lowering the interest rate I am currently being charged. I would also like the {$14000.00} located, and returned to my account, which will bring me current on my mortgage. Any assistance you can provide would be greatly appreciated. If any additional information is required, please feel free to contact me. 

Thank you