Consumer complaint received 2024-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I have an urgent problem related to what I owe in federal and State of Florida taxes in connection to my mortgage debt, and to a lack of understanding what interest rates I was charged on my mortgage loan. I don't know what amount I owe and to which government agency, even though I am now in a second lawsuit regarding this matter. Please help me getting this information...

I tried at least 12 times -using a variety of communication methods such as certified mail, phone conversation, email, and court- to obtain this information from : 1. The lender Wilmington Trust , National Association. 
XXXX. The servicer XXXX XXXX. 
3. The debt collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
4. IRS. 
XXXX. XXXX XXXX XXXX XXXX. 
6. Florida Department of Revenue.

All of these attempts were unsuccessful. I have been trying for a whole year. 
If I do not get this information in next couple weeks, I can be accused of a federal bankruptcy fraud crime.

Here is what happened : 1. I wanted to sell my condo when I became ill and was 6 weeks behind in my mortgage payments. I asked my ex-husband to help. 

XXXX. My ex looked at my loan applications which were submitted on my behalf by my landlord at a time ( who has been a long time condo board member and licensed realtor ). He discovered that my condo address was changed during the loan origination by the seller entering a new building number for my condo. My title report was forged and it was not shown that there is a mortgage on whole building and land, and open mortgage from the former owner on the condo unit which I was buying in the building. My ex told me that government can forfeit my condo because false info was submitted to bank. 

3. I notified the mortgage servicer on XX/XX/XXXX about the fraud and sent evidence of fraudulent loan applications and changed property address.

4. Mortgage servicer, instead of putting me in a nonmonetary default for fraud in the borrower 's application, as it is required in my mortgage contract, waited until I am eligible for a monetary default for failure to make mortgage payments, and started the foreclosure proceedings then. 

5. Three days after the foreclosure complaint was filed in XXXX XXXX XXXX court on XXXX XXXX, my condo was sold to the condominium XXXX XXXX XXXX XXXX  XXXX Our condominium operates as a special purpose entity due to being a historic-contributing property in XXXX XXXX XXXX Every time there is a sale, it is first sold to condominium, and the condominium sells the condo to a new owner. This is a double escrow scheme where a separate deed with the county recorder is not recorded at a time the condo is sold to the condominium. Condominium doesn't pay state or federal taxes due to being part of conservation easement syndicate in XXXX XXXX and the sale taking place with the help of the infinite banking insurance entity XXXX XXXX XXXX XXXX XXXX 

6. Wilmington Trust secured the summary judgement from the court and scheduled the sale of my condo on XX/XX/XXXX. 

7. The summary judgement order was written by Wilmington Trust lawyers XXXX XXXX XXXX XXXX as it was ordered by the judge for them to upload the order into the court system. The summary judgement order changed the contract terms where the interest rate was changed and times when those interest rates were charged were also changed. XXXX XXXX XXXX XXXX filed three different summary jud

gement orders with different amounts showing as owed. 8. Under Florida law, both the lender and the borrower are liable for the unpaid taxes. I wrote to IRS and Florida Department of Revenue asking to clarify what I owe but have not heard back.

9. I didnt receive the tax forms from the mortgage servicer for the year of XXXX. So I am not sure if IRS was paid for the mortgage interest income. 

10. I filed a bankruptcy petition with the XXXX Florida XXXX XXXX. But I have no idea what I owe to Wilmington Trust and to IRS and the Department of Revenue because there are at least 3 different versions filed by Wilmington Trust , National Association in the public records. 

11. I called and wrote to Wilmington Trust and XXXX XXXX and XXXX XXXX XXXX XXXX many many times, asking for - 1.Explanation on which dates which interest rate was charged.

2.Title Search Report.

3.Evidence that IRS taxes were paid for interest charged in XXXX. 
4.Proof the documentary taxes were paid to Department of Revenue.

5.Proof the court cost taxes were paid.

6. Explanation why the lawyers filed another document in court for over XXXX dol in legal costs 2 months after the final judgement was entered when the case was closed and there were no legal actions being taken such as appeal or rehearing. I was a pro se litigant in my foreclosure case. 

I found 250 email addresses of Wilmington Trust executives and emailed them all my questions but no one responded.

Tomorrow is my first hearing in bankruptcy court and I am scared the judge will accuse me of bankruptcy crime when they see that my petition has inaccurate numbers on mortgage and taxes debt, and all because Wilmington Trust and XXXX XXXX ignored my begging to provide clarification... help...

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