Consumer complaint received 2022-12-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NC)

To whom it May Concern : Due to the XXXX XXXX  I had been struggling financially to keep up with my mortgage along with other bills including my XXXX I reached out to my mortgage company towards the end of XXXX. They were able to offer the moratorium payment options until they expired. M & T has been more than helpful, they provided a list of options and telephone numbers to reach for mortgage payment assistance. I contacted the XXXX XXXX and they provided options, one of which was the XXXX. This program was not open to apply until like the end of XXXX, as soon as money became available to the state and the applications were open to apply, I applied. I was approved for assistance in XXXX, months and months went by, call after call the application remained in the same status, Under review by XXXX requested. At the beginning of the process I had a case manager XXXX XXXX, which later turned to please call contact XXXX going forward. It has literally been XXXX XXXX and not a single payment of this massive Federal Assistance that has been provided to XXXX been applied to my account. The status of my of my application finally moved to payment after I reached out to a XXXX XXXX XXXX XXXX XXXX after researching to see if this was happening to others in XXXX and found his article. After I guess adding me to his list and making a phone call I finally received a call from XXXX XXXX XXXX she promised to escalate the issue and provided me her direct dial, which doesn't work by the way. I finally did receive an award letter dated XX/XX/XXXX on XX/XX/XXXX, I signed it immediately in their portal and requested a copy. I forwarded a copy of the letter to M & T and call to confirm receipt. Now it was time to sit and wait on the payments to be processed. These payments are sent through an XXXX  portal and if sent on XX/XX/XXXX, even giving XXXX days for XXXX even though banks only observe XXXX day, its been XXXX days. I called XXXX this morning XXXX at XXXX they are doing the blame game again and stating that they know that certain banks have been experiencing issues with the payment process and they are asking for the lenders to go through the XXXX  portal to get clarification on payment processing. I reached out to M & T Bank and well blame game, they are blame the state for the way they send the payments and that it takes time for them to figure out where the payments go, even though they have been told to go through the XXXX XXXX to apply for the payments. Who is getting this supposed Federal Assistance because it is not the struggling homeowner? M & T has done a good job at helping me, once there was a modification process available, I did apply and I was able to go through that paperwork process approval, payment trial periods, and back on track. However it is XXXX that has been the problem, I have had to borrow money for family members to avoid paying other bills waiting on help that I got approved for in late XXXX. What I am asking for is M & T Bank to escalate this issue, find my payments and apply them to my account. I owe people, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX needs to be held accountable and need to streamline there process. There will be another plandemic and they need to get a handle on free money they get to help the state, not the people.