Consumer complaint received 2024-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, I filed a complaint to CFPB against M & T Bank AND XXXX and XXXX XXXX firm for illegally operating my mortgage loan account, authorizing a third party to operate my personal mortgage loan account. 
M & T Bank AND XXXX and XXXX XXXX Firm not only failed to defend their illegal operations but also LIED to CFPB, the Federal authority. 
The response to my complaint filed by M & T Bank on XX/XX/year> was all a BIG LIE and it did not address any of my concerns. The representative from M & T Bank AND XXXX and XXXX XXXX Firm are LYING to the XXXX XXXX bluntly to cover up their illegal ways of practice and the financial crime. 
The evidence of their LIE is as : XXXX XXXX XXXX has filed a sworn under oath and notarized document in the Circuit Court of the Fifteenth Judicial Circuit court in and for XXXX XXXX XXXX XXXX XXXX  under the case number : XXXX on XX/XX/year> in which XXXX XXXX XXXX and XXXX quote XXXX " The wife has been informed by the bank who holds a lien on the house that the foreclosure process has now begun on their greatest asset. The wife is not listed on the mortgage so this bank will not communicate anything further about this ''. 
A court certified copy of this document is going to be attached to this complaint. The bank failed to provide any documentation that proves that I have authorized M & T Bank or XXXX and XXXX XXXX XXXX to communicate to any third party, be it XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
M & T Bank Failed to provide any document signed by me that authorizes XXXX and XXXX XXXX XXXX  to operate my financial account and finances without my knowledge or permission. These two entities not only illegally operated my mortgage account fraudulently but also LIED to CFPB ( Federal authority ). 
M & T bank failed to provide proof of receipt of funds and the actual source of funds ( how the payment money was generated ). 
M & T Bank failed to provide the detail of the payment source whether it is within the XXXX or from a foreign country. 
M & T Bank did not reverse the payment made to my mortgage loan amount by XXXX and XXXX XXXX XXXX. 
Having a stake in a given property does not give a legal right to a third party ( XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Firm to get access to my mortgage account and to make payments on my mortgage account. The bank did not run the credit check for XXXX XXXX XXXX or XXXX and XXXX XXXX XXXX or XXXX XXXX XXXX XXXX the mortgage loan to me. The bank will not report the credit report of XXXX and XXXX XXXX XXXX or XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX Credit Bureau XXXX XXXX Equifax/Experian/transunion ) XXXX 
I have other accounts in equal stake which are overdrawn, will M & T Bank, XXXX and XXXX XXXX Firm, XXXX XXXX or XXXX XXXX wire transfer the money into those accounts as well please to bring those accounts to current status? 
The property by itself is a separate entity and mortgage loan is a completely separate matter. It is not the life OR credit of XXXX XXXX XXXX OR XXXX and XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX being affected due to these illegal actions of M & T Bank AND XXXX and XXXX XXXX XXXX. 
M & T Bank AND XXXX and XXXX XXXX Firm are playing with my life and my credit. 
These entities must be banned and the people behind these illegal actions must be put behind the bars for their actions and LYING to the CFPB ( XXXX XXXX ).

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