Consumer complaint received 2025-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: M&T BANK CORPORATION
State: NH

Complaint narrative:
I am submitting this formal complaint to bring to your attention a series of violations of federal, state, and constitutional laws associated with the actions of the Town of XXXXXXXX XXXX, and M & T Bank concerning my property located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. These actions have severely infringed upon my civil rights, financial well-being, and property rights. 

Background of the Issue The situation involves the misrepresentation and misuse of escrow funds by the Town of XXXX and the financial institution M & T Bank. Specific actions include : Misclassification of a tax lien as a " supplemental tax, '' in direct violation of a court order dated XX/XX/year>. 
Unauthorized withdrawal of {$11000.00} from my escrow account by M & T Bank for this misclassified tax, contrary to escrow terms and RSA XXXX, which governs tax liens. 
Manipulation of official records and documents by the Town of XXXX to create fraudulent tax assessments and mislead both the court and financial institutions. Documented Violations Constitutional Rights Violations : Fourth Amendment : Unreasonable searches, seizures, and unauthorized property removal.

Fifth Amendment : Deprivation of property without due process, through improper lien classification and unauthorized demolition.

Fourteenth Amendment : Denial of equal protection under the law through selective enforcement of ordinances.

Federal Law Violations : 18 U.S.C. 1512 : Obstruct
ion of justice through alteration of records to misclassify liens and interfere with official proceedings.

18 U.S.C. 1343 & 1344 : Wire and bank fraud through misrepresentation of tax obligations and escrow misuse. 
Embezzlement : Misuse of escrow funds in collusion with town officials. 
XXXX XXXX XXXX  Violations : XXXX XXXX  and XXXX : Failure to adhere to tax lien standards. 
XXXX XXXX XXXX Fraud and theft by deception in financial dealings. 
XXXX XXXXXXXX : Unfair and deceptive acts violating the Consumer Protection Act. 
XXXX XXXXXXXX : Prohibited practices in real estate transactions. 
Impact These violations have caused significant financial and emotional harm to me and my family. The Town of XXXXXXXX XXXX actions, coupled with M & T Bank 's failure to ensure proper use of escrow funds, have resulted in unlawful demolition of property, financial losses, and the continued harassment and retaliation by town officials. 

Requested Relief I respectfully request that your office undertake the following actions : Federal Investigation : Investigate the Town of XXXX for obstruction of justice, fraud, embezzlement, and constitutional violations. 
Investigate M & T Banks compliance with escrow fund management regulations. 
Judicial Enforcement and Oversight : Ensure that appropriate penalties and sanctions are imposed on the Town of XXXX for contempt of court and fraudulent activities. 
Restoration of Property and Compensation : Direct restitution for financial losses, including the {$11000.00} escrow payment and costs associated with unauthorized demolition. 
Award punitive damages for the significant harm caused by these actions. 
Policy Review and Implementation : Mandate procedural reforms to prevent misuse of escrow funds and fraudulent tax classifications in the future.

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