Consumer complaint received 2020-04-14
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
ATTENTION M & T MORTGAGE : Eventhough XXXX XXXX XXXX , XXXX was the Originating Servicers in XXXX when this loan/mortgage was created, the company ( XXXX ) is touting that they sold you [ M & T Mortgage ] the mortgage in XXXX. ( See XXXX attached copy ). And wants to eliminate themselves from the Wrongful Acts that they carried out in ( XXXX and XXXX ) because they stated that you were sold the loan in ( XXXX ). ( See all information in this complaint ). So I am sending your company [ M & T ] the complaint ( which I thought the CFPB sent you already ). 
The below information explains in further detail of what was requested of ( XXXX XXXX XXXX , XXXX ) in the previous complaint that was not remotely or respectively answered. Amongst many other questions that should have been answered and Corrections that should ( should have XXXX been made. See CFPB # XXXX-XXXX. 
In XXXX while originating our loan application, you, XXXX XXXX XXXX , XXXX Circumvented the Florida Law reference A Borrower and A Married Borrower in the State of Florida. Which forms a [ Tenancy by the Entireties ] which treats the husband and wife as a unit. In the State of Florida, any Real Property or Personal Property held by husband and wife as ( tenants by the entireties ) belongs to neither spouse individually, but rather each spouse owns the whole property. And both signatures are required for any change in document terms ( i.e. Loan Modification Agreements ). 
You ( XXXX XXXX XXXX ) made my husband ( the Sole loan borrower ) on the loan application of your own volition, instead of the both of us on the application form. Which there should not have been any reason we couldnt qualify together. But even so, because we are a married unit, the Florida Law did not call for your company to dictate Spousal Rights ( in favor of my husband ) over our Real Property. ( i.e. telling me I need permission to discuss my real property with you ( XXXX ) or/and ( M & T Mortgage ) or any other entity ( i.e. CFPB ). 
It was Reckless, and Manipulative to further circumvent the Florida Law to create your own rules to [ exploit Rights of Power to discuss any business regarding our real property to my husband ] and simultaneously created a wall shielding the Spousal ( WIFE ) from being able to ( Call Your Servicing CompanyXXXX M & T Bank- mortgage/servicing ) to discuss any business matters in reference to our investment property. 
That was, and still is a Reckless, Destructive Act that could cause Severe Problems regarding property asset distribution between a Husband and Wife in this State. But ultimately, you ( XXXX XXXX XXXX , XXXX ) broke the Florida Law regarding Spousal Property Ownership by ( thru loan years ) have continuously invalidated my position as a ( titled married owner of our Real Property ). 

RESPONSE TO XXXX XXXX XXXX STATMENT # 1 Answer Per you ( XXXX XXXX XXXX, XXXX ) Tout of me being unauthorized to receive/request information reference my own property. You ( XXXX XXXX XXXX , XXXX ) broke the Florida Law between Married Property Owners. As stated in the above paragraphs, it is Destructive and Reckless for you, XXXX XXXX XXXX , XXXX ) to have Circumvented the Florida Law ( during the application process ) to benefit your application needs. 
The decision regarding the form of ownership of an asset is Critically Important, especially in the State of Florida. So this Act of exploiting Sole Rights of Power to my Husband [ in the State of Florida ] can cause extreme detriment in regards to spousal laws relating to real property, etc. 

# 2 Answer In reference to ( XXXX XXXX XXXX ) stating they transferred our loan to ( M & T Mortgage ). The main area of this complaint surrounds the ( Modification Agreement ) Originated by you ( XXXX XXXX XXXX , XXXX ) in XXXX for processing a contract agreement consisting of [ One married partys signature [ my husband ] and did not contain the ( other married Partys signature ) the ( spousal wife ), which makes the Modification Agreement unenforceable. ( Invalid ). 
There were changes made to the existing contract by extending the terms of the Maturity Date to ( XX/XX/XXXX ). I the ( other owner/spouse ) did not agree to these terms ( neither was my signature on the Modification Agreement ). I am requesting the [ Maturity Date is Corrected ) according to the Original Promissory Note to ( XX/XX/XXXX ). 
Also, there is a ( XXXX letter from M & T Mortgage attached ) that states from M & T that they were servicing our Loan ( at that time ) on behalf of XXXX XXXX XXXX XXXX, [ WHO IS ACTUALLY THE MASTER SERVICER ]. ( see attached letter ) Note/Attachments : A letter from M & T Mortgage is attached regarding authorization of ( the spousal wife ) discussing our Investment Real Property. Which is against Florida Law for ( XXXX XXXX XXXX , XXXX ) to exercise and expedite those Financial Rules, and to other Mortgage Companies/Servicers, etc. that XXXX conducts business with. 
Also, a copy of the ( Invalid Modification Loan Agreement ( with the signature of one Party ). Which I also sent with previous complaint to XXXX. 
There is approximately ( 5 ) already other uploaded documents regarding this complaint under CFPB # XXXX-XXXX. 
See the ( UNSUBSTANTIAL ] uploaded response from XXXX XXXX XXXX , XXXX to this and previous complaint alike. 

Affiliated Companies/Financial Institutions : XXXX XXXX XXXX , XXXX Customer Support Department XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX Loan Owner : XXXX XXXX XXXX XXXX XXXX as Trustee XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , NY XXXX Phone : XXXX ext. XXXX M & T BANK XXXX. XXXX  XXXX XXXX, NY XXXX XXXX https : //www.mtb.com/home-page +++++++++++++++++++++++++++++++++++++++++++++++++++ WHAT CAN FIX THE PROBLEM In reference to ( XXXX XXXX  XXXX  ) stating they transferred our loan to ( M & T Mortgage ). The main area of this complaint surrounds the ( Modification Agreement ) Originated by you ( XXXX XXXX XXXX , XXXX ) in XXXX for processing a contract agreement consisting of [ One married partys signature [ my husband ] and did not contain the ( other married Partys signature ) the ( spousal wife ), which makes the Modification Agreement unenforceable. ( Invalid ). 
There were changes made to the existing contract by extending the terms of the Maturity Date to ( XX/XX/XXXX ). I the ( other owner/spouse ) did not agree to these terms ( neither was my signature on the Modification Agreement ). I am requesting the [ Maturity Date is Corrected ) according to the Original Promissory Note to ( XX/XX/XXXX ). 
A copy of this particular Complaint and ( Modification Loan Agreement ) sent to M & T Mortgage so that they can see that the [ Modified Terms of the Loan ] that was supposedly transferred to them is unenforceable and ( invalid ).

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