Consumer complaint received 2015-04-07
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION (TX)

Due to divorce, and the condition of my house, my ex and I decided to sell. We initially tried a traditional sale, but the foundation condition, I would not be able to break even. I started the short sale process with a realtor. Submitted all the paperwork, got the house listed, the realtor worked with the bank on the sale. Once a buyer came and made an offer, I moved out of the house and into an apartment. After months and months of the bank stating that we were missing documents and myself and the realtor resubmitting them, the bank came and said to us on Tuesday, XXXX XXXX that due to more missing documents, they were moving forward with a foreclosure. I quickly resubmitted everything AGAIN and my realtor asked for an extension so that the bank could review everything. On Friday, XXXX XXXX, my realtor called me telling me that he had just heard from the bank and they were moving forward with foreclosure and their new reasoning was because I had moved before the house was sold. ( I moved after a buyer put in an offer and this was OK 'd by everyone, no one told me not to move ). On Monday, XXXX XXXX the bank contacted me telling me that they declined the sale offer and were moving forward with foreclosure for a completely different reason. Their reason on this date was because of the condition and the damage to the house. I specifically asked what damage they were referring too. They said they found damage when they went out and inspected the house. I asked them what date specifically did they come and inspect the house because they never called me or my realtor asking for a key, or the lock box code to get into the house. The bank told me that they did n't need to ask for a key because they have already secured the property with their own lock box. So I asked again, what date did you do this and how did you get in without a key to secure the property and inspect it. After demanding that they tell me WHEN they went out there, I was put on hold for about 10 minutes and when she came back on the phone, she said that she had made a mistake and that they had n't gone out to inspect the property. At which point, I got very irate with a bank, a business blatantly lying to me. So I asked again, why they were foreclosing now, and she again said because of the damage. So I asked what damage since they had n't been out there. She then said that it was too close to the foreclosure date ( Tuesday, XXXX XXXX ) to be able to do anything. At this point, I go, so on XXXX XXXX, you said you were foreclosing because of missing paperwork, ( which was all resubmitted again ), and on Friday, XXXX XXXX, you said you were foreclosing because I had moved and had broken some contract by moving, and now on XXXX XXXX your reasoning is because of damage that you have never seen because you have never been out to inspect it. Every day it was a different story. I hung up on the bank, and called my realtor who then called the bank, and the story that he got on the foreclosure was because the buyers offer was too low than what they thought the house was worth ( I guess they got that off the internet or something, because again, they have never been inside the property ). Every person at the bank is giving me a different story and my realtor a different story on WHY they are foreclosing ( with a one week notice ) and its all nothing but lies.