Consumer complaint received 2016-10-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION (MD)

Dear Director XXXX, Re : Denial of due process I am a XXXX XXXX homeowner for 18 years who was penalized by M & T Bank in denial letter dated XXXX XXXX, XXXX of a workout agreement. On XXXX XXXX, XXXX I lost my job and was having difficulty making the payments to the trustee for my bankruptcy. I was later dismissed and defaulted, so I filed for a workout agreement afforded to me based on my FHA loan program. I worked with XXXX and the representative did not make it clear that my debt to ratio would be a problem - so I was denied on XXXX XXXX, XXXX. XXXX, XXXX and XXXX had filed in XXXX and were waiting to pounce on my house to sell it. So, I kept close communication with M & T representatives and they informed me that I could send in my information for my son who agreed to move back home from California and contribute to the household income. I started working in mid XXXX and was told that it would be part time ( 7 hours daily ) but my hours would increase to 140 hours and I would be paid monthly. I provided that information and my son 's 3 months of Profit and Loss which clearly was more than enough. I was notified that the attorneys had scheduled my house for sale on XXXX/XXXX/XXXX but if I turned in my package and it was a complete one, they would remove it from the auction list as it would be in the underwriters department for review. On Wednesday, XXXX XXXX, XXXX I submitted a letter of employment verification and was told that the person hiring me needed to have a letterhead. ( The person who offered me a personal assistant is the XXXX XXXX for the XXXX. ) I tried to explain that I was not working directly for the XXXX - so after M & T representative insisted that iw would not be adequate, so I was forced to accept another position with a placement organization for less money ; and a letter was sent in to the M & T office on Thursday morning, XXXX XXXX, XXXX stating I would be starting employment on Monday, XXXX XXXX, XXXX. I went to the HR office to complete my paperwork and returned late that evening to find several missed calls from a XXXX number I did not recognize. There was no name of the caller either. The next morning at approximately XXXX the same call came through and when I answered it XXXX XXXX introduced himself as a rep of M & T bank and he immediately after verifying who I was, proceeded to inform me that I had submitted information of a job that I had started in XXXX and they denied me in XXXX and now I was starting another job on XXXX/XXXX/XXXX. I told him I was looking for the best opportunity with pay that was significantly hire and when hey would not accept the other job I accepted another He became combative and rude and yelled -that I did not have a consistent job for the last 12 months, I corrected him and said I lost my job in XXXX XXXX and I had worked there since XXXX XXXX. His tone was abrasive throughout and when I asked him if he would deny me due process - he said yes. I told him that I would have my attorney contact him to clarify what he just told me. He then yelled who is your attorney? I said XXXX XXXX, he snapped she is NOT your atty she is with the XXXX office- I said she is advocating for me. He was furious and said " your house is not coming of the sale list '' and hung up. I typed up a motion to stay and hurried to the circuit court for an emergency hearing. Next morning at XXXX XXXX/XXXX/XXXX M & T rep called to say that they had received a complete workout package and it had been uploaded the night before and sent to Underwriters. I asked about the timing sensitivity and whether I would be off the sale list now- he said it was not automatic, but they would have it pretty early on Tuesday XXXX before the scheduled sale @ XXXX. On Tuesday am I called to confirm that my package was still in underwriting. I then witnessed the sale proceed at XXXX