First Niagara Bank Mortgage Complaint

First Niagara Bank Mortgage department,

Conventional fixed mortgage Application, originator, mortgage broker New York

I had met with a senior mortgage consultant in - of - to fill out enrollment paperwork for the - - - program. She opened the account that day and said I was all set and we made the first deposit. She told me follow the instructions and to contact her when I was ready to start looking at homes to buy. For the next 10 months I made my monthly deposits. When I started to look at houses I emailed my mortgage consultant and made sure I had all of the deposits made and was on track. She then had me attend a first time home buyers workshop. I completed that and sent her the certificate again making sure I was all set with the -. When I went for a preapproval in - of - she said I had 24 months to use the - grant. I did not end up purchasing a house then. When I emailed her again this past -, I did not get a reply so I emailed another mortgage consultant. She proceeded to tell me the original lady was not with the bank any more and that I was not enrolled in the - - - program. I sent all of my enrollment paperwork to prove that the account was open and was told that the bank had made a mistake and my paperwork was never filed. I was told that when I applied for the actual mortgage the bank would make it up to me as I was losing $8000.00 in the grant. I just went in last night to talk to my new mortgage consultant to fill out an application because I had found a house and put an offer in, she told me that the best they could do was to maybe reduce my interest rate by - of a percent and that i would not get any where near the $8000.00 that I lost from the grant.