Consumer complaint received 2015-07-27
Company: M&T BANK CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
As your office is aware, I am being sued by Wilmington Trust as Beneficiary for the XXXX XXXX XXXX Trust. HoweverXXXX XXXX does not allow for a Trustee to be a beneficiary and that is just the tip of the iceberg. Under XXXX XXXX XXXX XXXX Trust has specific criteria that must be met when a loan is sold into a particular trust. In this case, the alleged trust that the party claims my loan is tied to is in fact a XXXX Trust. It is the XXXX Trust. XXXX XXXX XXXX : XXXX XXXX XXXX and XXXX XXXX. Matter of fact, XXXX XXXX XXXX informed me over the phone in New York that they are now what XXXX XXXX use to be. Hearsay or not, that was the conversation from their trust department on a recorded line. Therefore, can you please have Wilmington Trust XXXX NOT M & T BANK, who continues to answer on behalf of the XXXX, WT in this case ) respond on whether or not they signed the XXXX XXXX Settlement agreement in which XXXX was given a XXXX XXXX DOLLAR NON RECOURSE LOAN and various trustees were settled with by and through acceptance as an accepting trustee? It appears that XXXX is settling with themselves! ~ HMMM! Interesting and all at the tax payers expense. REMEMBER THE BAIL OUT in which most homeowners received a whopping {$300.00} for all the fraud by and through their mortgage contracts, just so it could all go back into the economy. There has been no real settlements for the homeowners, only the big banks and their friends and families and buddy entities. Just look at their profits. The attorney firm negotiating this settlement had negotiations for the homeowner to the tune of {$4.00} XXXX dollars in relief for issues that had occurred through deceptive and fraudulent actions, none of which I have recognized, as I have been targeted and biased against because I sued XXXX XXXX, which is my opinion, which I believe to be absolutely true. It is evident that they despise me and vice versa. Since it has recently been brought to my attention in the state XXXX that there has been a particular deal made by and through XXXX XXXX with a homeowner in this state that has received a $ XXXX reduction on their loan and 2.5 % interest rate and if they default in the next THREE YEARS, all will go back to past status, which the $ XXXX deal will be off. ( ALL BETS OFF ). Funny, why three years? Could it be because that is when the NEXT huge catastrophe will happen and in the meantime the bank XXXX XXXX XXXX can profit through hedging/betting against their own deal? How great it would be to bring this sort of proof to the court, which may or may not happen at this point in time. To be determined still. So for clarity I am asking that Wilmington Trust state whether or not they accepted the XXXX Settlement Agreement by and through XXXX. Also, has the loan been pledged to the federal government? RE : CONSUMER RELIEF : Under the Consumer Relief Settlement XXXX is required to provide {$4.00} XXXX of Consumer Relief to distressed borrowers within essentially a 4-year period, commencing XXXX XXXX, XXXX and ending XXXX XXXX, XXXX. It is only XXXX XXXX, XXXX and there is no doubt that wrong doing and deception and huge misrepresentations were proffered upon me and my family. Afterall, just look at XXXX with relation to my loan for starters. That is just the beginning. Did XXXX XXXX sell my loan in XXXX to one of the biggest portfolio buyers XXXX who just disappeared. They disappear with the money now do n't they? Although this complaint is geared toward the Plaintiff at this time, XXXX XXXX is the absolute deceiver here and they are simply using Wilmington Trust name to steal the property after they already sold it and got paid. They do this after the fact by and through corrective deeds. Afterall, why would a corrective deed be necessary if all was truthful and forthright at time of foreclosure?

Company response to consumer: Closed with explanation