Consumer complaint received 2024-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: M&T BANK CORPORATION
State: TN

Complaint narrative:
M & T Bank employee XXXX XXXX ID XXXX on XX/XX/XXXX did my verbal eligibility intake over the phone for the Unemployment Forbearance Plan of which she explained to me as I wrote down notes as to how to works. It's a XXXX  month plan that is given in XXXX  month increments and at beginning of last month of each XXXX  month increment, u have to call in for an extension is still needed. First of they only gave me 2 months starting XX/XX/XXXX, then I called in request extension yet XXXX XXXX my point of contact that was assigned to me that day via XXXX XXXX never calls back, never returns calls, never emails. I leave message after message after message yet nothing no communication at all. I had not been allowing M & T Bank to contact me via XXXX due to their constant misleading information, deceptive business practices and tactics and pure intentional lack of professionalism and respect towards me. They have my email and my mailing address of which is how I've allowed them to communicate only. Yet when I leave XXXX any message its never any communication returned no emails at all and when I have left my phone number no return call either. I had recently filed a separate complaint to CFPB about them having possession of my mortloan and that it is federally fraudulent due to the majority of the information pertained in the closing documents aka origination of my mortgage loan are false and I had emailed M & T Bank those documents along with proof of my marital legal XXXX  decree to proof my " unmarried persons '' status in the origination documents are false as well as my XXXX  drivers license from that year of which proves my year of birth is wrong also and that driver license also has my full name as XXXX XXXX XXXX which is because I was still legally married and my real-estate agent and the under writer knew both knew it via me giving copies of my XXXX  Driver license, XXXX card and birth certificate all of which prove my birth year of XXXX not XXXX like the closing documents have on them. Also, in the previous address section is my address to the home my husband and I bought while we were married and I had been living in until I left him just 2 months before my real-estate agent whom was my employers fiance came to me wanting me to buy a house for me and my XXXX kids and allow her to be my agent like she had done with his other employees. So, I have been waiting to hear back from M & T Bank about them being in possession and owning a FEDERALLY FRAUDULENT MORTGAGE LOAN and have not heard not XXXX bit of communication about that or the complaint about it with yall the CFPB nor have I heard anything back from them about the fact they allowed a third party on XX/XX/XXXX to order a payoff statement on my home of which they are not allowed to do legally either but they did and I emailed them a screen shot of that as well and still have not heard back about that violation against my mortgage either. Also I filed a complaint with XXXX XXXX XXXX on XX/XX/XXXX about M & T Bank sending my loan I to their XXXX  attorneys without sending me any certified letters of it going to XXXX  like they are supposed to do per mortgage laws in XXXX. Also, my Unemployment Forbearance Plan was approved on XX/XX/XXXX and their XXXX attorneys XXXX and Associates, XXXX XXXX XXXX XXXX XXXX did not take the foreclosure of my home set for XX/XX/XXXX off public records notice until after XX/XX/XXXX of which I have a screenshot of the lublic notice still out on public records as of XX/XX/XXXX and I filed a complaint of all these major civil violations against me with XXXX XXXX XXXX on XX/XX/XXXX of which M & T Bank has NOT responded to all all in any shape form or fashion what so ever yet instead they have illegally lied and only alloted me XXXX increment of XXXX  months of a XXXX  month increment of the Unemployment Forbearance Plan I was approved for that XXXX XXXX told me I more than qualified for and would be accepted for because I met all the requirements for that Unemployment Forbearance Plan and that's why she explained the entirety of the plan to me because I did meet all the requirements yet M & T Bank have been deceptive in what they have alloted me to have of that Plan and are instead trying their hardest to violate my rights in several ways and trying to foreclose on my home in hopes of ceasing the mortgage loan since it is indeed a FEDERALLY FRAUDULENT MORTGAGE LOAN they have been in possession of since they purchased it in XXXX of XXXX and didn't do their due diligence of researching the loan properly to make sure it was not a fraudulent loan before purchasing it which is their responsibility. Now they are just simply trying to perform whatever deceptive misleading business practices to get my home foreclosure on so they don't have to answer to the legal fact they are in possession of pur having a FEDERALLY FRAUDULENT MORTGAGE LOAN and the felonies that come with that. Also, ignoring all their and their foreclosure attorneys violations of my civil rights/mortgagee rights per XXXX  mortgage laws thinking they can get away with it all due to me not having the money to hire a civil rights attorney for white collar crime violations they have committed against me. I am currently speaking to a Legal Aid attorney about all the violations M & T Bank has committed against me as of yesterday and a housing XXXX as of yesterday. XXXX, since my point of contact refuses to communicate I spoke with another point of contact employee at extension XXXX yesterday whom told me. " The rules have changed to your Unemployment Forbearance Plan and u can't ask for extension until after it ends so XX/XX/XXXX. I asked for a date of when that change occurred she said she didn't know. I want documentation on that change immediately mailed to my address, along with a document of all of my complaints that I have called in about and placed with M & T Bank that they are intentionally ignoring and have not responded to in any way shape or form, immediately mailed to my address as well as the fact they have lied to me for XXXX  year since acquiring my account by telling me they don't allow communications about mortgages via email only phone calls and thus I have not had an email address until XX/XX/XXXX when XXXX XXXX XXXX told me that was a lie and gave me an email to be able to contact aka communicate with M & T Bank with. So, as you can clearly read, M & T Bank has been practicing nothing but deceptive misleading and flat out telling lies which is perjury ( intentionally telling lies is perjury, in business practices ) I am not letting them get away with any of their intentional misconduct of business practices against me and my mortgage loan, they think they are above the laws and they most certainly are not ever above any law! Also XXXX is only XXXX of XXXX employees that willingly gave me her full first and last name and her employee ID, all the rest I have spoken to refuse to and say they don't have to so they can intentionally manipulate deceive and lie to mortgagees and gt away with it because we all know if you dint have their full name & ID there could be several employees with the same first name and last initial as to why they refuse and say that's against company policy to give out to mortgagees which is a blatant lie, per mortgage laws we mortgagees have the right to a full first and last name as well as the employee ID of each and every employee we call in to speak with about our mortgage. M & T Bank is trying to foreclose on my home without allowing me proper legal rights to the actual full Unemployment Forbearance Plan so they can get out of all their intentional deceptive misleading illegal business practices that's exactly what this all boils down to! Also, due to their foreclosure attorneys leaving my home on public market for foreclosure after my approval for Forbearance, I have received multiple offers to buy my home. I also have audio recordings of Supervisor and several employees refusing me their full name and being intentionally deceptive via telling me that they can foreclose on my home when they want to whether I have an active application for XXXX assistant or not to prove that their employees and even Supervisors are a part of M & T Banks deceptive misleading business practices. So, it's not she said he said, it's I have audio recording to prove how they have intentionally lied to me to try to scare me into making payments.

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