Consumer complaint received 2021-06-26
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern, I am writing this letter to report a foreclosure that has been filed against me for not repaying my second mortgage of which I was unaware of whom the lender is. The second loan was sold numerous times to different lenders, from ever since I purchased my home throughout the years, and there wasn't any definite lender made known to me at the time so that I would be able to repay the loan. During that time period I hired an attorney from the XXXX XXXX Firm to remedy my first loan that I also had issues with fraudulent paperwork/lost notes. Hence, a case was filed against the lender that was involved with the first loan and it was dismissed in XXXX. After the dismissal of the first Mortgage loan in court, I was given a written mortgage contract for the second loan to sign, of which I was given the impression/understanding by my said attorney that I was now making payments on the second loan in question. After the fact, I get to understand that the mortgage contract was not for the second loan. Ever since I've being making payments to the attorney for over 7yrs. At that time in question I placed my trust in my attorney to do what is right. Now years later, I am been accused by this bank name Wilmington XXXX XXXX XXXX XXXX who say that they now own the second loan and have copy of the notes. I strongly believe that they don't have the original notes for the loan and for what I'm understanding they got the loan signed by an affidavit to say that they own the loan. This whole transaction is fraudulent. Now they are saying that I have defaulted on the loan that was just recovered by them. Owing to the fact that I have an attorney at the time that knew about both mortgages and I never gotten any letters or response from any lenders before until now. In this regard, how can I be at fault when I was given the understanding that my attorney was doing the right thing. In the documentation that I received from Wilmington XXXX XXXX XXXX with the summons, I noticed that on one of the pages someone forged my husband 's signature on a document that is therefore a fraudulent act. This forgery of my husband 's signature clearly demonstrates the dishonesty of Wilington XXXX XXXX XXXX and the length that they would go to try taking my home away from me. My husbands name was not on the original loan document. I can't afford for them to just come and take away my home for the use of fraudulent documents. I would be willing in good faith to work with whomever is the trusted lender of the loan and thus start making my monthly payments, but they are not complying to work with me and their intention is to take my home away. I need help from someone to avoid this institution from taking my home. I did not default on the loan, the note for the loan was lost or stolen since when I first bought my house in XXXX and now all of a sudden they are trying to sue me for defaulting on the loan of which is false. I live in my home for 15yrs now and I never would have imagine that something unlawful like this would happen to me. All I'm asking is for them to just work with me to start a new chapter with them. Please I'm asking someone for help in this matter. Thank you. 

Regards,

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