Consumer complaint received 2020-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
In XXXX before I " bought '' my XXXX XXXX XXXX XXXX N.J. house I called many attorneys to do the closing because they all declined to do the closing for a variety of reasons that include that the house has already been foreclosed on and the that the house belongs to a pool of homes owned by the XXXX  of XXXX, N.J. and that the house could not be sold. I received a call back from attorney XXXX XXXX XXXX who said that the other attorneys are mistaken and that we could go forward with the closing right away. I contacted XXXX about many discrepancies on the closing documents several times and he explained that I am worrying about nothing. It turns out that the deed itself has imperfections on it and that the title insurance is NOT for my property. The deed and the title insurance are not even close and there are just too many discrepancies to believe that they are errors. For example in addition to the aforementioned items the sellers undersign certification of the penalty of perjury listed that the property being sold was XXXX XXXX XXXX and not the correct address of XXXX XXXX XXXX. I have been trying to sell the house because of financial problems that started right about the time I " closed '' on the house in XXXX I was XXXX years old with a high paying white collar job for a blue chip company with perfect credit and I mean perfect credit. No matter how many times I buy new phones and get new cellular telephone service my phone are on the XXXX XXXX XXXX network. I have been subject to call interception and voice impersonation. My emails get intercepted and impersonated and XXXX of N.J. has been captured on my computer. Just to give you an idea that I am telling the truth my XXXX phone number ( XXXX ) XXXX has the Mobile Identification Number ( MIN ) XXXX The MIN identifies the Mobile Station Number and that is NOT XXXX XXXX. I was impersonated on my job at XXXX XXXX XXXX XXXX and my phone calls were intercepted with caller ID SPOOFING and voice impersonation it does take long to lose your job especially it the intention is to make you look as if you are crazy and not remembering temper flare ups and all kinds of important things. I AM ADAMANT THAT THE PHONE AND INTERNET TAMPERING ARE ASSOCIATED WITH TRYING TO GET ME TO SELL MY HOUSE UNDER DISTRESSED FINANCIAL CIRCUMSTANCES. I had a very steady upward climb with my career until I bought this house and once I was able to capture evidence of phone and internet interception and impersonation my career is ascending again. The problem is I was XXXX when I bough the house in XXXX and I will be XXXX in less than one week. The phone tampering with caller ID SPOOFING and call INTERCEPTION WITH VOICE IMPERSONATION should not be taken lightly. If I didn't figure out that the phones and the internet were sabotaged I would be completely out of money costing the TAX PAYER a fortune because the tactic deployed with the phones and the internet are designed to get people to believe that they need XXXX XXXX XXXX. I can tell you right now I have no criminal record and there has never been any incident that would even remotely imply I need XXXX  XXXX  XXXX. I have requested XXXX  XXXX  to produce a copy of the pay off to Hudson City Savings Bank ( HCSB ) for years and they have failed to show that they paid anything for my HCSB mortgage. I have contacted M & T Bank who bought HCSB and they have not been able to produce ANYTHING that shows that I have a mortgage. The records show that the mortgage was not filed and XXXX  XXXX  held the " mortgagge '' from XXXX to XXXX and then assigned the mortgage all over the place as if they are going to confuse any party that tries to get the cancelled pay-off to HCSB XXXX  XXXX  has failed to produce the discharge of the mortgage that they allegedly paid off. I feel that this type of fraud should be a priority with LAW ENFORCEMENT since making sure people don't work and making sure that their social avenues get closed results in ex-homeowners being placed on government assistance. If I didn't figure out it was the phones and the internet I would think that I was losing my mind and go on government assistance. Fortunately I figured out that the phone and the internet tampering were the problem and got a job in XXXX by applying in person. Its not easy but it can be done. Its also very hard to find a lawyer with a tampered internet while getting calls intercepted but it will get done. I have started the rebound process and I am sure that the problems go back to buying the house. Every last thing is designed to disconnect the victim from everybody so they look like they are crazy. I was lucky I want to help the next person avoid this type of stuff. I want this to be a criminal investigation to help protect others from being victimized. What makes things worse is that the closing attorney XXXX XXXX XXXX has some how ... worked his way to be XXXX XXXX  Judge XXXX. No record of the mortgage being paid off. The title insurance is NOT for the deed location and I was sold XXXX XXXX XXXX and NOT THE CORRECT LOCATION OF XXXX XXXX XXXX. THERE IS A LOT MORE TO THIS I have proof and want to see this stuff stop.

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