Consumer complaint received 2022-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Nj XXXX XXXX To Whom it may concerns, Please be advised the above reference loan is the primary residence of the undersigned at XXXX XXXX XXXX XXXX NJ XXXX. 
The undersigned a XXXX XXXX XXXX has been impacted by the Pandemic Covid-19 as all the XXXX XXXX XXXX in the State of New Jersey . It worth noted the above loan a XXXX XXXX XXXX M & TT Bank which reassured the undersigned borrower that they will assist with the modification that the federal government recommended to put the outstanding areas to the back at the loan and extended to XXXX years. In short, the modification process started in XXXX and all the necessary application requirements completed in XXXX. By XX/XX/XXXX the monetary trial period started and the followed to the XXXX. However, the Bank in the middle of the monetary trial period verbally requested the XXXX certificate of the undersigned XXXX XXXX who passed XXXX years ago. Noted it was clearly articulated to the Bank by the undersigned that XXXX XXXX passed in XXXX and the Death Certificate had to come oversees and the time frame was rather unknown because it had to be sent to the XXXX XXXX in XXXX for final stamps. To make a long story short the death certificate was delivered to the MTT Bank in XXXX. However, they had another verbal request the title which it had been provided with first application came back to them cloudy. The undersigned approached the probate officers who needless to say they were laughing at me with the naivete of the inquires. regarding cloudy title. Finally, one of the probate clerks recommended to call the clerk of the XXXX XXXX and have them certify the title and have them certify the title and send it to the undersigned. immediately, it was send to the Bank. however, the Bank denied the Covid-19 modification of the loan and suggested to start another unrelated modification of course with different terms. Despite as the undersigned started the new modification application all the papers application completed but the Bank found another form which had been filed with them XX/XX/XXXX that sections ( 6 ) and ( 7 ) had been checked together upon investigation the forn 45 c only section 6 had been checked twice thus line a and c However, according to XXXX XXXX XXXX XXXX during the last telephonic conference with him on XX/XX/XXXX only one box had to be checked. It should be noted for almost over a year the application for the modification was with M & T Bank and no one sent to the undersigned and correspondence with their requests despite the myriad verbal and written request presented to so my representatives and supervisors pf the Bank such as lately XXXX XXXX on XX/XX/XXXX and XXXX XXXX as late as XX/XX/XXXX very importantly and it bears repeating the undesigned has acted in good faith and the back kepts adding a new hurdle in the process. At this posture of the case it should be noted that the Covid-19 modification was denied although the undersigned completed all the steps including the monetary trial period. Every step of the way through the modification period the Bank may requesting new form to be completed and negate a previous one that it was send before such as the last request of form 45 -6 that it was send on XX/XX/XXXX and no one inform the undersigned after so many months that it was not successfully completed. Accordingly the " crus '' and the status of the above loan remains unresolved despite the copous efforts inquires and requests to fulfill the Banks demands Now they are threatening with foreclosure by XX/XX/XXXX Despite the prompt and written correspondence to their requests. Noted since XX/XX/XXXX when the first monetary trial has paid the undersigned requested all the inquires concerns demands such as the death certificate of my late husband than cloudy probate. the itemized outstanding balance of the XXXX XXXX arrears yearly interest of XXXX, XXXX and everything else to be sent to the undersigned in writing it has to be said, despite the reassurane the undersigned has not received any inquires in writing. It has to be mentioned that the undersigned has been harassed and discrimminated going through the process Care Act. Noted the loan has been paid for 14 years already and Bank demands foreclosure by XX/XX/XXXX thus losing the property due to 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