Consumer complaint received 2018-08-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (CT)

I Closed On An Owner Occupied Fourplex With An FHA Loan Through XXXX XXXX In XX/XX/XXXX Inheriting Tenants In the Process.And Since Then Have Being Paying On My Mortgage On Time With The Exception A Time In XX/XX/XXXX ( This Was When I Was Making Payments To XXXX And It Was Sold Around That Same Time To M & T Bank ) Where I Was Late Due To A Job Loss But Was Able To Get A Job And Paid Back My Outstanding Debt.In XX/XX/XXXX, I Lost My Job Again And Also Had Tenants That Refused To Pay Rent And I Decided Then To Register At A XXXX College To Get An XXXX XXXX To Enable Me Get A Career Where By If My Tenants Did Not Pay I Could Afford To Pay My Mortgage .Iam In My Second Year.At That Sametime One Of The Front Deck Unit In My Home That Was Dilapidated Started Decaying More And A New Deck Had To Be Put In So I Called The Mortgage Coming And Told ThemThe SitautionThatI Had To Withhold That Months Rent And Add It To What I Had Saved To Pay For The Cost.I Was Told Was Going To Be Charged A XXXX Dollars A Month Till It Got Paid And It Has More Than A Year Now I Have Being Billed That Amount.Since The Tenants Refused To Pay, I Have Being Making Payments With My Student Loan And Had To Pay For Legal Help To Get The Tenants To Move.Two Left In XX/XX/XXXX And One Left XX/XX/XXXX.I Have Since Then Got Two ( 2 ) New Tenants Since End Of XX/XX/XXXX With Leases Starting XX/XX/XXXX And XX/XX/XXXX Respectively. I Have Being Constantly Updating This Current Mortgage Servicer ( M & T ) On My Situaltion.On XX/XX/XXXX, I Contacted This Servicer ( M & TBank ) At XXXX XXXX XXXX And Spoke To A XXXX ( They Should Have All Recording Of My Communication With Them ) Who Said If I Raised 2 Payments Of ( {$2200.00} ) By The End Of XX/XX/XXXX, That Will Take Me Out of Foreclosure.I Tried Logging On To Make The Payment But Their Online System Would Not Allow Me.It Said To Call Back On The Next Business Day Which Was Wednesday XX/XX/XXXX .I Called At XXXX That Morning And Spoke To This Same Representative XXXX, And Was Told They Would Not Accept My Payments But Will Take 3 Payments At That Time ( Mornin Of XX/XX/XXXX ) .I AskedForA Supervisor Who Came OnTheLine By The Name Of XXXX XXXX Who Said That I Was In Foreclosure And That I Had To Pay XXXX To Reinstate My Loan, I Asked That Less Than 24 hours Into Owing Them 5 Months As Of That Morning Iam In Foreclosure? .He Said Yes.I Then Asked HimTo Give Me The Department /Legal Firm Which My Loan Had Being Referred To But He Said He Couldn, t Provide Me That Information.I Have Had Two Other Mortgage Servicers Since I Got This Loan And The Have Never Mistreated Me Like This Mortgage Servicer ( M & T Bank ) .I Have  Being Constantly Harrassed And Threatened To The Point That I Will End Up Crying On The Phone With Some Of Them Giggling In Process.This Has Greatly Affected My Health.I Have Contacted The Housing Mediation In My City And Provided Them With The Documentation They Need .I Was Called Yesterday By M & T And Was Told They Had A Foreclosure Attorney They Wanted Me To Call But Out Of Panick From The Threats And Harrassment I. Declined Getting Any Information From Them, Also It Was Less Than The 30 days The GaveMe On XX/XX/XXXX.The Next Thing I Knew I Have Alert From My Credit That They Placed Foreclosure On My Credit Report And I Believe Also The Court System.I Do Not Want To Lose My Home Because I Don, t Have Anywhere To Go.I Do Know You Are An Organization That Advocates For Consumers, Please Help Me.Iam So  Scared And Traumatized From This Inhumane Treatment From This Mortgage Servicer M & T Bank , I Do Not Know What To Do Or Where To Go From Here.I Need To Know What To Do To Stop Them From Taking My Home From Me.Please Help.Your Attention To My Situation Is Greatly Appreciated.Iam Grateful