Consumer complaint received 2024-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I have final judgment and Writ of execution granting and XXXX  auction sale date of my home for XX/XX/XXXX listing Manufactures and traders Trust Company a/k/a M & T Bank XXXX  by merger with Hudson City Savings Bank XXXX When I contacted M & T bank to discuss settlement and options to work out a solution to resolve the judgement I am told they have no information regarding this loan and do not have us listed by social security number or the property address under M & T Bank or under their XXXX XXXX accounts. 

I have been working with XXXX XXXX XXXX to work out options on my mortgage for years. That I believe hired the lawyers bringing the action forward and claimed rights to foreclose under M & T banks name. After years of applications for modification and after resolving every issue that arose to that caused the modification to be denied, they informed us that they denied the work out options as it did not fit into the guidelines of the modifications but could not disclose the guidelines due them being M & T 's guidelines. When asked to disclose the guidelines to try to resolve those issues I was told I had to contact M & T. I did and they could not help me as they had no knowledge of such guidelines or my loan. 

I have been providing all the information necessary for a modification on my mortgage for years to XXXX XXXX. We have been in court for foreclosure XXXX XXXX in XXXX that was dismissed without prejudice by both parties with an agreement that an amicable resolution could be reached. 

After all the trials of rounds of paperwork and for modification work out it was not until XXXX that M & T bank was mentioned due to a merger with Hudson City Bank that took five years due to XXXX investigation. During the XXXX XXXX Pandemic shut downs legal action was filed for XXXX XXXX in M & T banks name. 

As of right now there is an Auction scheduled on my home the XXXX XXXX XXXX and their attorneys have informed any state agencies I have enlisted to help and myself that they can not discuss the file due to on going litigation yet they continue to allow the XXXX 's auction to move forward. I have doubt that as of my conversations with M & T bank on XX/XX/XXXX and XX/XX/XXXX that M & T has any knowledge of this loan or action being brought forth in their name through the superior courts in XXXX XXXXXXXX XXXX XXXX 

I have only tried in vain to settle this matter amicably and I achieve an amicable settlement with M & T Bank if that is whom the settlement should be made with. It does not appear the XXXX XXXX XXXX can settle this matter as they are not able. 

I have only to ask for a reasonable settlement to prevent further financial ruin in a situation that has ruined my family financially once before and has caused irreparable emotional damage to my family by the constant fear of losing their home for years and even through the XXXX XXXX pandemic even though their family meets all income requirements and has the means to save their home but is unable due to XXXX XXXX 's broken process. Please review this case as no family should be forced out of their home especially when they the financial means to reach an amicable settlement.

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