Consumer complaint received 2026-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: M&T BANK CORPORATION
State: IL

Complaint narrative:
Urgent : Ongoing Foreclosure Activity While XXXX Request Pending XXXX XXXX XXXX XXXX Disputed I am submitting this complaint as a supplement XXXX my prior CFPB submissions regarding the mortgage servicing of my XXXX loan by Manufacturers and Traders Trust Company XXXX M & T Bank XXXX XXXX servicing for XXXX XXXX XXXX XXXX XXXX XXXX This complaint concerns ongoing foreclosure activity while loss mitigation issues remain unresolved and while a XXXX written request remains pending response. Key Facts : The XXXX repeatedly offered only a XXXX loss mitigation option, a XXXX loan modification. No documentation has been provided demonstrating evaluation of other available loss mitigation options, including repayment plans, standalone partial claims, or other FHA waterfall options. My loss mitigation application was denied on XX/XX/XXXX ( Denial Letter XXXX ), after I declined XXXX attest affordability of the only option presented, as no documentation was provided demonstrating evaluation of other available loss mitigation options prior XXXX the denial. No documentation has been provided showing that a full XXXX loss mitigation evaluation was completed prior XXXX that denial. In XX/XX/XXXX, I informed the XXXX that I was able XXXX resume payments. No reinstatement option or structured repayment pathway was offered following that communication. The servicing records reflect continued accumulation of advances and fees, rather than resolution through borrower payment or structured loss mitigation. XXXX Qualified Written Request : On XX/XX/XXXX, I submitted a Notice of Error XXXX XXXX for XXXX pursuant to XXXX C.F.R. XXXX and XXXX. This request was sent to the servicers designated address for such correspondence : M & T Bank XXXX. XXXX XXXX XXXX, MD XXXX As of the date of this submission, the servicer has not provided a complete response XXXX this request. Foreclosure XXXX During Dispute : At a court hearing on or about XX/XX/XXXX, the servicer requested XXXX obtained a continuance XXXX XX/XX/XXXX. Despite that, a new court date was subsequently scheduled for XX/XX/XXXX. On XX/XX/XXXX, I received a XXXX filing related XXXX this proceeding, leaving only a limited number of business days XXXX review the materials and attempt to secure legal representation. The XX/XX/XXXX court proceeding is scheduled for dispositive relief, where the XXXX, through its counsel, is seeking XXXX advance the foreclosure XXXX final judgment and sale. This represents a material acceleration of the case timeline, particularly in light of the fact that : a continuance had previously been granted through XX/XX/XXXX, loss mitigation issues remain unresolved XXXX disputed, XXXX a XXXX written request remains pending response. Regulatory Context : Complaints have been filed with the Consumer Financial Protection Bureau under the following Complaint IDs : XXXX XXXX A complaint has been submitted XXXX XXXX regarding XXXX XXXX XXXX compliance XXXX and the matter is currently under active review ( HUD Reference No. XXXX ). A complaint has also been submitted to the Illinois XXXX XXXXXXXX XXXX and XXXX XXXX ( XXXX ), with supplemental information recently provided. Concern : Foreclosure activity is continuing toward final judgment while : loss mitigation evaluation remains disputed, a XXXX written request remains pending response, and regulatory review processes are ongoing. This raises concerns regarding potential dual tracking and failure XXXX comply with federal servicing requirements. I maintain all prior requests XXXX positions previously submitted, including those set XXXX in my XXXX written request XXXX prior complaints.

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