Consumer complaint received 2026-07-13 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: CA

Complaint narrative:
Good morning, ladies and gentlemen, as you are aware of my case previously with XXXX XXXX started on XX/XX/XXXX the misleading was intentionally made to make me lose my legal right for a workout plan/repayment plan or partial claim, the corruption continued all the way until the end of XX/XX/XXXX, then my loan transferred to new mortgage servicer by the name M & T bank. I truly believe they are all the same company because they look like they are following the same footsteps with their scam/tampering/fraud/misleading to create a disaster to a homeowner who lives in their property as a primary home, the company is very well aware of my health condition causing me the additional excessive stress after my cardiac arrest passed away in XX/XX/XXXX. XXXX XXXX was brought up to speed and XXXX XXXX offered me in XX/XX/XXXX forbearance due to medical issues at that time I had some money, but I never thought my recovery would be very bad, due to my XXXX when I collapsed clinically XXXX XXXX I had severe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, everybody include the CFPB when you look this up under the law by communicating with the government, the Consumer has to get some sort of relief from causing the additional stress on top of what Im going through. But XXXX XXXX has a selective hearing which now they pass it on to the new Bank M & T Bank, they keep sending me letters stating I need to get in touch with them. I have got in touch with them already twice with a witness by the name XXXX XXXX he did witnessed. The entire process since last year beginning of my active forbearance for 12 months started XX/XX/XXXX shouldve ended on XX/XX/XXXX briefly the new bank is acting in denial. Of course theyre not gon na agree with the tampering and the fraud of my application based on the partial claim I was specifically given a partial claim with the amount of {$30000.00} back on XXXX but the underwriter from XXXX XXXX tempered with my application just so they can twist the standalone partial claim so they could turn it into partial claim combo modification that is the fraud. There are creating by not admitting the tampering of my application changing my application response from yes I can afford my regular monthly mortgage payment as it used to be without changing my interest rate or Term so XXXX XXXX changed it to NO Im not able to continue my regular monthly mortgage payment,,,, Thats the part where they temper fraudulently pushing me into 6.75 % interest rate instead of 3.875 % and changing my term to 40 years instead of 22 years remaining, in XX/XX/XXXX XXXX XXXX confirmed via email recorded phone calls witness more than eight people that my first trial payment was made for XXXX but then they canceled my trial in XX/XX/XXXX, just like everything they agree to provide me assistant, and theyll find an excuse not a legal excuse again they know Best #, how to act fraudulently and they rely on hiding the truth, so my partial claim was canceled. I have the recording of XXXX XXXX stating word by word that my interest rate will not be touched with remain XXXX percent my term percent. Would remain the same will not change to 40 years, then XXXX XXXX changed that because guess what thats what thieves do hoping they dont get caught by coughing up the truth or proving them wrong and Im very sure there are not willing to admit they did that attentionally but my record witness recorded line people I spoke ledger notes I took they will never lie because the truth. It is only one way whatever XXXX said whatever been done is two different things. Now I urge the new bank since my second three months trial payment was given to me starting XX/XX/XXXX. I made my payment of {$3600.00}. XXXX payment the same amount made to XXXX XXXX then they dumped my loan to the new bank called M & T Bank so my third trial payment was made on XX/XX/XXXX with a representative by the name XXXX accepted my third trial payment and she was surprised at least this is how she acted on what XXXX XXXX has done, then on XX/XX/XXXX. I spoke to XXXX Bank to XXXX. Apparently she notified me that I have a personal designated representative. I will include her name in the attachment, but they kept on sending me letters stating that I need to communicate with them and get in touch with them to start a workout plan but however the conversation in front of a witness same witness Back XXXX on XX/XX/XXXX XXXX said XXXX different things about my loan modification that I agreed and signed for it,,,,,,, That is absolutely false information because I only did detestation for the three months trial. She had two stories on that day. Saying that I had attested over the phone verbally. Then contradicting herself stating that I signed the attestation. that is very strange. I asked her you do see all of that was conveyed to your bank from XXXX XXXX but how come you dont see the notice of error that XXXX XXXX XXXX on XXXX and sign for return receipt and failed to reply to the notice of error until today. And how come you dont see Attornies letter was sent to XXXX XXXX acknowledge of receiving it on XX/XX/XXXX at that time XXXX XXXX did not respond yet as well, so how come you have a selected opinion about what you wan na see and what you dont wan na see very strange I said to her she stayed quiet and thats where she told me. Oh, you need to speak to your designated representative. Thats the way she wants to get rid of me and she also promised us on a recorded line from both side in front of a witness that she is sending us in 15 days the loan modification documents which until now I have not received it was XX/XX/XXXX. We are today XX/XX/XXXX. XXXX. Now I like to share with the CFPB this entire complaint is recorded submitted to the new bank. By the way of saying, I am hundred percent behind on keeping my regular monthly mortgage payment as it is supposed to be based on XX/XX/XXXX conversation my regular mortgage payment until the end of XXXX should remain {$3300.00} thereafter XX/XX/XXXX it is slightly lower monthly mortgage payment. If I am currently behind on my mortgage, its just for one reason because the banks are trying to fraud me out of my primary resident abuse. My health to put me through excessive stress I dont buy that they are working with me. They are working against me with kindness. Whats the difference? Scam is a scam, correct,? Being nice or being bad when your intention is to scam someone you hide the truth and thats exactly what they keep on doing even the new bank, but I am not willing to continue this fight. I am willing to move on with my life to live Healthy happy with my family without any confrontation lawsuits trial. I will share some records about the new bank.M & T how they have been sued for the same exact reasons tampering fraud, misleading and settling case cases before trial, what I am trying to say, dear CFPB is when somebody has in the background, tarnish reputation like that there is no mistake on pointing out my finger and showing them what they have done in the past after all in the United States before we judge someone we research their background simply 99 right can not cover for one wrong. Im urging the new bank to spare my life and my health condition not to make it shorter. To work with me as they state in all of their letters, we are not talking to ( pretend working with me. ) I will include 10 documents as a attachment. They must know the letter from the attorney they must know about the notice of error for the fraud, tampering and misleading from the previous bank. Mr Cooper. I am all about to continue making my regular monthly mortgage. And continue whatever left from my life after my surgeries to live healthy happy as possible.

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