Consumer complaint received 2021-08-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (FL)

I have a HUD loan and need help. First, XXXX XXXX unethically started to foreclose on the property in the middle of refinancing. I had gone through a divorce and lost my job due to discrimination of my XXXX ( which is partially why I missed payments ). The EEOC investigation agreed with ADA guidelines and concluded in my favor with the right to sue. I called my mother for help and we hired an attorney - I know he found errors, but I am not sure exactly what they were. At that time she was expected to receive a large inheritance and would bring me up to date or possibly pay the loan off. However, it all came to a halt due to COVID - the amount was to be split between siblings, and hearings were set, but the Courts shut down due to COVID. I have so many penalties and fines from M & T Bank ( the new mortgage holder ) that my payoff amount is so high - I am very scared. 

When COVID came along it may things really tough for me ( XXXX  mom and live alone ) I requested a forbearance with a new bank M & T - they have my mortgage. This put me in a deep XXXX with extreme XXXX  plus my XXXX  XXXX  - I was a mess. My mother wanted to help, but the pause on the court dates prolonged the inheritance. When my forbearance was going to end in XX/XX/XXXX - we spoke to the bank on XX/XX/XXXX to see my options. They said my only option was to refinance and I did not qualify for the COVID option. They also needed a letter showing I did not have counsel and to give my mother permission to call about the loan. I did submit two letters to them and the next day their attorney filed something that represents the bank. However, they neglected to tell me there was an extension. Also, they did not inform me if one thing was wrong with my packet - there are new " do-overs '' or opportunities to provide additional information. I was very scared and asked for additional time on XX/XX/XXXX via fax and email - with no response. I called the next day and requested a letter in fear I would lose my family home - they would not respond as they have before. I called the after and the next day after for this letter - as of XX/XX/XXXX I do not have a letter that the mortgage would pause. My mother 's inheritance is starting to come in, but it may be a while for the big lump sum. However, I believe the fines and penalties of $ XXXX, refusing to let me have the COVID option through HUD, and not responding to my request is unfair and not reasonable. I am happy to comply with the refinancing but scared to death if one thing is off they will start to foreclose due to the fact my loan balance is {$190000.00} on top of the $ XXXX, but valued at over $ XXXX due to the fact I live in XXXX Florida. I have a young XXXX  and fives pets dependent on me and I love this old house and need help and guidance. People are always knocking on my door to buy the house and I receive multiple texts & calls - my poor XXXX  is scared when anyone is at the door. I am not trying to beat the system or anything like that - it is just between my XXXX XXXX, XXXX, and poor timing. I am begging for someone to help me - I have a backup of everything I am describing. If I lose my house I will have nowhere to stay due to the housing market going up so much. My address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and my loan number is XXXX. Thank you for your assistance with this matter. - XXXX XXXX I need to gather my documents to submit to you.