Consumer complaint received 2017-04-28
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
# XXXX Submission XX/XX/XXXX ( Sending this by mail also as was told that they could not be reached by CFPB ) I 'm sending letter in mail to them today XX/XX/XXXX as well as on here. XXXX XXXX XXXX XXXX UPDATE XX/XX/XXXX.. XXXX EST. Since writing below, there has been a discovery, the letter sent to me telling me of sale/assignment of my loan that came one month to late .... The information was not true ... .. it was another named company who had it in New Jersey with a different address and phone number. Except that, the company in New Jersey did n't assign it to this original company until XX/XX/XXXX of which I was not informed. The transfer from XXXX to this company was not legally presented either. It appears finagled and in a clever or dishonest way with names and trusts of confusion. Are you keeping track.
The Banks have not addressed my most significant issues ( not once )!
The Banks REFUSED TO MAKE PAYMENTS! ALL along convincing me all was good while in the middle of Modification. I spent over {$50000.00} on legal fees.
The Bank never possessed the original promissory note at the time the complaint was filed.The affidavit of indebtedness ( or amounts due and owing ) were wrong. The Plaintiff did not negate all properly raised affirmative defenses before the summary judgement.
The Bank did NOT act in good faith and had " unclean hands ''.
The Banks behavior were enough to lead me to believe that they were NOT going to exercise right of default and acceleration. It can be well demonstrated that through describing the modification process I was involved in before the law suit was filed, and what they did to convince me that they were not going to sue me, but settle with me for a modification. ( Which they never did )!
The Banks transferred the loan from one bank to another many times with no resolution and not in the timely way in which it states ( they must ) CLEARLY ON MY LOAN. I was not notified with in the time period under law. Also, on several occasions, they did not send documents to my property address as required.
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I pray for Justice!
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Instead of taking my payments so that my home would be close to now to being free and clear now in my senior years, instead they added those payments on top on the Principle Balance THEM creating a debt twice as big as when I started trying to modify my loan in XX/XX/XXXX to get it paid off! <P/> The responses received from the banks are computerized from one bank to another and neither one of them ( " self admitting '' state that they can not speak for what happened prior ) of that they have any validity. Infact they show inconsistancies. I, however, have the true facts and ALL MY PAPER DOCUMENTS! I have an entire filing cabinet full of proof and I can tell you exactly if I have this or that. I can give names and phone numbers of the loan officer, dates and times, extensions at the very beginning XX/XX/XXXX to today XX/XX/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