Consumer complaint received 2024-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX. I have inquired a loan from this company under my personal Business for XXXX with my ex wife as the first in position of this loan. After paying XXXX. We went through a divorce where I have had no contact information given to me from this company to resolve this matter. I have reached out over 10-15 times and I would be thrown around. Starting from XXXX of XXXX they would tell me someone would contact me with a payout while forcing me to allow unknown people into my home and constantly checking my credit they would have attorney reaching out to me extorting me for XXXX then XXXX and as far as XXXX. I was told by their attorney they were looking to settle out and to not hire an attorney by the name XXXX XXXX because they hate him and he drags the around the world and if I hire him they would ruin my life. I would also call my mortgage company who is M & T Bank who was constantly telling me their was no lien attached to my home and if it was they would pay it off because I had almost XXXX in equity in my home so my bank could stay first position of my home. I was approved for XXXX or more by Georgia Mortgage assistance to pay this company and my bank told them my home was not in no Foreclosure whatsoever as well as I was on a fixed rate of 3 % interest rate on my home at the time. XXXX XXXX claimed we would reach an agreement in XXXX of XXXX while illegally telling me things to keep me waiting and trying to foreclose on my home constantly asking me how much my house was worth and forcing me to allow companies in my home to take pictures and forcing me to put them on my insurance policy which was strange to me and when I would ask them why they would tell me it was a part of reaching the agreement. I spoke to XXXX XXXX who was XXXX XXXX XXXX XXXX attorney who directly told me not to offer this company the XXXX I suggested because her client had a number and XXXX was not the number so more like XXXX which was strange to me. Finally after speaking to XXXX XXXX. From XXXX XXXX XXXX in XXXX of XXXX he suggested I make a offer. And they may take it or they may not take it depending on how they feel. Then when we would speak they would postpone meetings while trying to catch me with protection far as an attorney or any type of legal assistance on the day any foreclosure here in Ga can be held. So I filed bankruptcy because they started extorting me for XXXX more after I paid XXXX on a XXXX loan. And he would tell me I better sell my home tell me. They aren't taking no less than anyone if I sell my home. I would tell him I don't really own anyone else besides them. So because Ga. Mortgage Assistance was willing to pay any debt I had XXXX XXXX would tell me to not let them know how much I owe them at XXXX XXXX XXXX. Because my bank would get upset wondering how or why I owe them so much. I would then ask XXXX XXXX How does the number keeps changing. And he would say things like because you owe us a lot of money then hurry and make small talk and say someone will reach out to you. Then I would get off the phone with him and contact their company attorney XXXX XXXX who would say she can't talk to me. When XXXX would also say talk to her and when I call her she would say I can't talk to you because your in bankruptcy. Finally in XXXX of XXXX we went to bankruptcy court and they told the judge I owe them XXXX now. They would tell the judge they DONOT have a 2nd mortgage on my home and they bankruptcy judge told them we need to make a agreement. I would them email or call XXXX XXXX XXXX  and ask for XXXX and he would say make us an offer and not XXXX I have made offers of XXXX all the way up to XXXX. And they would waste a few more days and ask for more and more of my personal business and force me to send documentation far as bank statements etc. But while I was in Bankruptcy they would be constantly be trying to sell my home not even caring what the bankruptcy judge explained to them. Finally I had enough of the extortion. And disrespect. I dismissed myself from bankruptcy on XX/XX/XXXX while XXXX XXXX is constantly telling me to make offers I would send emails day and night and he would say we rejected your offer now we want this much or we are Taking YOUR HOUSE WE DONT CARE!!!!!! I then put my house on the market and sold it for XXXX to a family whom moved from Pennsylvania. We were to close on about XXXX XXXX. While waiting for all title work to come back on my address XXXX XXXX would force me to allow him to speak to the bank of the buyers and ask them how much money was I getting and wind up arguing with the company of the buyers because they would ask him how was it possible for me to owe him so much money and they would tell XXXX XXXX what he was doing to me was illegal and they would suggest the buyers bank would tell me this company is extorting me and I need to seek counsel immediately because that is predatory lending and there is a law where they can't be making me pay them that much. The underwriter at the buyers bank name was XXXX XXXX and would tell XXXX his position at the bank and would say this man is offering you XXXX and how is this not a fair amount to be paid and XXXX XXXX would get quiet. They would send XXXX payoff request and XXXX would never send them. And once again he would tell me not to tell anyone how much I owe them. So finally I got out of Bankruptcy on XX/XX/XXXX to sell the home on or about XX/XX/XXXX. To just give up because I was losing my mind feeling like this situation was killing me and I ruined my families dream and let my family down and after 3-4 attempts to hire attorneys and counsel I had no hope but to allow them to extort me for XXXX after I sell the house. On XX/XX/XXXX. XXXX. I spoke to XXXX asking for a payout and he said we are taking your house next week. Because I told the bank the actual amount rather than just giving them the money. I explained to XXXX I have been in full communication and that's so unfair and he said to me unfortunately XXXX XXXX we been nice to you too long an sometimes unfair things happen. I then once again contacted my bank who is the rightful owner of my home and once again they said these people can not take your home XXXX XXXX we have never been notified from them and we see nothing on your deed so don't worry. Finally on XX/XX/XXXX they sold my home to a gentleman who looks about XXXX old while he was being coached by a man on the cellphone on exactly on how to bid on this house while standing right next to XXXX XXXX XXXX XXXX XXXX  Attorney using one peice of paper she was reading from. On the sidewalk of the courthouse this gentleman was sitting there waiting for XXXX personally to show up pacing back and forth there was no other bidders whatsoever on such a beautiful home which had me scratching my head. Finally tears came down my eyes on what I had just experienced on a XXXX loan I had received to bury my mother could cost me a XXXX home had me embarrassed. I them put my pride to the side and went and talk to the gentleman whom had just purchased my home for such a cheap amount and he told me to call his dad XXXX so I called him once the auction was over and he told me to call him back tomorrow. Finally I went home to gather my thoughts. I played with my phone all night trying to find way on how to redeem my home and I XXXX Ga Man Wins Wrongful Foreclosure Lawsuit. I am a XXXX American and I scrolled down to a XXXX man whose home was Wrongfully foreclosed on as well so I stayed up all night long playing on my phone to reach this man to see if he knew any good attorneys I could call. And he was telling me what had happened to him and we compared notes. Etc. Finally I called the gentleman whom purchased my home at the auction and he invited me to his office he said to me if I give him $ XXXX he would give me my house back because he knows my mom died in this house and I have the lowest interest rate he has ever seen in XXXX of doing this and for my age I did well etc .... Then finally the gentleman saw on the internet ended up calling me back again because he wanted to talk and coincidentally we live in 2different parts of Georgia and my brain clicked and I googled the man whom brought my home at the auction and this man and his brother own XXXX houses mostly foreclosures from XXXX XXXX and XXXX  fighting for their homes back from this company in and out of court. They are paying out attorneys to not help the plaintiff have a fair fight to get their homes back. The gentleman whom claim to purchase my house said to me out his own mouth No matter what attorney I hire. My attorney will not show up in court. And their is nothing I can do. This is a crime and we need to get the proper assistance. This company XXXX XXXX is using Money and Power and Their Attorney XXXX XXXX to play on Judges flashing fake documents and Bribes to make this all go their way. I am a Victim and I'm asking this case be looked at carefully I'm not asking for any favors just to be treated fairly as a human and to have this case looked at clearly this is not a FORECLOSURE WHATSOEVER THIS IS A CRIME!!!!!! Theft by deception is being usual on people who doesn't have the finances to rightfully fight these cases and we need genuine help of someone who cares about humans we all deserve a fair fight. These people are taking advantage of the middle class. I was told by XXXX and XXXX to reach out to CFPB to get the proper help. Can someone please get back to me. This is a CRIME THAT NEEDS YOUR UNDIVIDED ATTENTION!!!! I have had all contact with my First Lien which was M & T Bank I was not in foreclosure with them at the time of this event. My mortgage was to restart since Bankruptcy on XX/XX/XXXX and when I called him they said a company by the name of XXXX XXXX  paid my house off because they owned it since XXXX. The company that brought my house at the fraudulent foreclosure deceived my bank into allowing them to pay my house off like they actually the XXXX loan company and my bank to me. They had no clue of what happened. And it was not illegal. After they promised me they knew nothing about any of this and my house is showing no liens for me to payoff using the XXXX equity I had in my home. They also told me this was theft but still accepted the money and I need to hire Cousel. I have lots of Audio and Video to this case with these claims. M & T Bank has been warned by me for atleast a year of XXXX XXXX XXXX trying to steal my home and I was constantly told by M & T Bank XXXX XXXX that is impossible Relax they MUST NOTIFY US FIRST!!! And if they try we will use your equity to pay them off. I have also pleaded with M & T bank to also just hold my home into litigation until this matter is dealt with through the courts.

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