Consumer complaint received 2021-10-14
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Can you or someone else contact me immediately I just walked outside and found 3 notices of a trustee sale on XX/XX/XXXX of my house posted on my door and I thought I was still on the XXXX forbearance program till end of month but my reason for contacting you is, regardless, my homeowners bill of rights, has been violated in almost every sense. 

I have received absolutely nothing from the bank about any of this happening either written or verbal or that is was it even possibly happening or that I have options if it was to happen. No notice, no 30 day contact, no contact of options, no 10 day notice, no 5 day, nothing!!! 

I definitely have no single point contact since Ive never been notified. 

They never informed me I it was time to submit a new application which I understand they would do. 

I never received any documentation from them in regards to my current forbearance so I am unsure what rules were to be followed by either party. 

I also have 2 renters/tenants I have to answer to and renters law to abide by. 

No documentation was obviously ever verified either. 

Yes in XX/XX/XXXX, they did begin foreclosure and I did have to file bankruptcy to divert it but it states that they cancelled or withdrew the foreclosure, and then put me on forbearance plans twice, which means they would have to start the process all over again and follow the book or my rights and not just skip everything not tell me and say they are selling in 21 days. 

In fact the only thing I have received the past 2 months is the email from them with the link to retrieve my monthly statements which for the past year they revoked my access to login so Im unable to retrieve them and they have been negligent at allowing an alternative copy be mailed or emailed to me, so I cant see statements either I previously have submitted 2 current applications for loss mitigation of which they were both denied and I was told I would be placed me on forbearance program, then that was extended and extended again and wait till a later date to go that path, the still needed to get better organized & understand any new programs that would come from this situation, but I was under the impression they would assist me at that time, not pull the rug out from under me, as Ive stayed in contact with them each time they have requested information and believe took a phone call from them 2-3 weeks ago and discussed the possibility of selling my home anyway and a foreclosure will ruin any financial gain or breaking even. 

I was finally after 3 years ( because of covid as well ) granted my social security XXXX benefits just in XX/XX/XXXX so now I am able to at least qualify for loss mitigation, without the use of rental income or side work of which 2 years ago they would instantly deny and waiting for my SSDI ( I BECAME XX/XX/XXXX XXXX IN XX/XX/XXXX ) I keep making house payments with my state XXXX until that ran out, and then defaulted when my ex abandoned the home and family and skipped state also in XXXX, which is also the reason I fell behind from not having income but unable to work & while awaiting a decision for almost 3 years from the social security office. 

XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca 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