Consumer complaint received 2021-10-29
Company: M&T BANK CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
M & T Bank and its affiliates sold my family 's home under letters of false documentation. As the owner of the property I need your assistance in the return of our family home. The did not have the authority to sell our home under an ASSUMED only contract or lien contract they claimed to have on your home. They never provided any contract to our family and our family never signed any contract. They sold our home under a deceased person 's name only under ASSUMPTION it was theirs ' to sell. Please contact this company for our family and attempt to obtain the relevant documents necessary for a company to use a non judicial process of collection of a debt. We did attempt to pay this outstanding amount but never authorizing our home to be used as collateral for that outstanding debt. This company should be held accountable and restitution is due for their deceptive false acts and misuse of the nonjudicial system set in place for valid financial institutions and be held accountable in their creation and misrepresentation of actually possessing a valid lien on our land as claimed when non of the sort is seen of record and for their creation and use of non legal binding documents signed by their own affiliates to do it. This was done in a discriminatory manor to a service member serving in the XXXX XXXX and XXXX XXXX, violating the Service members relief act, this was done because she was unable to defend herself and her rights during that time away from the property only in an effort to possess and control our property for their own use. They have violated the entire family 's U.S Constitutional rights to life liberty and freedom during a pandemic. Violated the Fair Housing Act, FHA rules an regulations of any FHA valid lien by not property entering their interest in the home.. the Consumer Protection Act of valid contracts and our Texas Constitutional Rights given to us with respect to debts as seen in Article 16 sec. 50, & the UCC. My family has previously filed a complaint which the information was not received by us regarding their response until XX/XX/2021 we were to have 60 days to reply to their response and 60 days has not lapsed as of today we still did not receive any reply by the CFPB and the case was closed prior to the 60 day response time as seen on the website. The documents provided need to be read for what they are and that is for their protection of what previously happened, which was not allowed by use before it happened and that being the sale of our property. Any money received was not received only in duress after we were sitting on the curb and received because they felt guilty at that point a year and a half after they sold our property to give it to the rightful heir owner. We would like to provide additional information on our behalf as to the true ownership in our family 's name of the land and property directly to you for review which relevant Information regarding this claim information directly pertaining the FHA vendors lien they claimed to have retained a secured interest in and which they did not as seen in correspondence by the department of HUD, the XXXX Property Records, the XXXX Appraisal Department. 

M & T Bank provided nothing in their reply and documents which were relevant as to a valid contractual lien in their name or a valid assignment in their name creating any valid continued secured interest in our land. The trustee and company referred to in their false documents never possessed secured rights to transfer any secured right. A valid signed contract is missing. The documents provided only expose their deceptive actions. Current valid documents would be necessary in our name and along with a valid chain of title and the recorded evidence somehow showing their name as well. The did not provide any valid assignment as would be needed on a currently needed FHA form. No certificate of Mortgage, no certificate of title, nothing presented to you for review is substantive of them having any right to sell our land. I believe they are misusing any authority provided to them as a bank. The abuse is seen of record through deceptively created documents created by their own affiliates, servicers and attorneys to take property which is not legally theirs to take. Please assist our family we can be contacted directly. I do not currently have the documents on a USB drive to upload but will upload these documents before XXXX the XXXX being the 60th day.

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