Consumer complaint received 2023-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
I went into a forbearance around COVID time Because I lost my job and I also take care of my handicapped husband After I came out of the forbearance we went into a bankruptcy which was Discharged XX/XX/XXXX Before I went into bankruptcy the mortgage company was trying to Sue me for issues with my property address which had nothing to do with anything that we did it was all the county had changed the property address and the mortgage company didn't have that change in their files and so they sued me, and in the process found another lady that still had a lean on the property so they sued everybody to try and get the lean off the property of which they've already done and I agreed with everything that they wanted to do all they had to do was ask but instead the sued me. Then my Bankruptcy attorney Wrote M & T mortgages Attorney a letter and said you can't do this she's in bankruptcy you can't expect her to pay for fees for any of this lawsuit. Now fast forward after I got out of the forbearance they put me into a program where they take the existing amount of money that you owe and put it on the back end of the loan In a Balloon payment and hold it in an account that's non-interest bearing until the loan is paid and then at the end of the loan you have to pay the existing money. they said I qualified for this program and they put me into this program. I started paying my payments again And they sent me the paperwork that I needed to have notarized and send back I went to the UPS store I paid to get it notarized and I sent it back to them. Then they said that the paperwork that they sent me was wrong because they needed my husband 's power of attorney paperwork I sent it to them probably 4 Or 5 times Every time the paperwork was incorrect I have probably Have 8 sets of copies of the paperwork that they've sent me that We're incorrect I finally said to them I can not keep going and paying for the notorization please send me a notary. they sent me a notary for the paperwork and I notarized it I showed her my POA documents she took them and again they said that the paperwork was wrong. In the meantime they keep saying that I am sending them the wrong documents or I'm not providing them with the right documents when I can't provide them with the right documents because they keep sending me the wrong documents. This goes on 3 or 4 times they enroll me and disenroll me in the program because they say I am not cooperating with them when the whole time I can't give them something that I don't have. Then in XXXX this year of XXXX they told me I was disenrolled from the program again because I needed to have My husband 's power of attorney documents recorded at the county And they said because I did not do this that I was disenrolled from the program again. nobody ever told me that I had to have them recorded at the county so I went down in the middle of a snowstorm to try and record documents at the county and they closed the county building because the storm was so bad. I went back on XX/XX/XXXX a week later and recorded the document and when I was there the lady told me that I wasn't going to get the document back for 7 to 10 days Because they have to keep it to record it and then they will send the originals back to me in the mail so because of that and because I was so upset I asked her if I could take pictures just so I could send them to the bank. I sent the pictures of the recorded document and the same POA that I have sent them numerous times. 
I was told by them I could send them pictures so I did, and then they kept saying we cant take pictures we need a PDF copy. 
And I said I only sent those to you temporary until I could get you a PDF copy but now that's all they can see is those photos even though I have sent them pdf copies clear back in XX/XX/XXXX OF the Same POA. I spoke with a gentleman on XX/XX/XXXX this Last month and Told him to go back and look in his files at the POA that was sent to him in a PDF on XX/XX/XXXX he put me on hold to go talk to his supervisor because he said the POA documents were not all there But I opened up the email and told him there are only 3 pages to the power of attorney they are all there they're just in the wrong order. These were the same POA documents that they said before that they didn't have all the pages when they've had all the pages the whole time from the very first time I sent them to him the POA has never changed.Then I found out later that he didn't even bother to tell me that I was unenrolled in the program again and that my house is now being sold in foreclosure on XX/XX/XXXX I didn't find this out till I called back and spoke to not a very nice lady who screamed at me and told me this on the phone. I have been trying to get this cleared up now for probably over a year they have had PDF copies of the orginal POA for over a year and every single time I send them What they Ask for they change it and want something different. I speak with these people on the phone at least 3 times a week. I have given them everything they asked for I have paid my mortgage payments. Every time I speak with somebody it's different story every time. 
Last week the lady I spoke with told me that until they approve me for the program again that my foreclosure will be stopped, then 2 days later I was told that was incorrect. So now they are immediately sending me to foreclosure and Sale XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation