Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
I've made XXXX complaints about my servicer committing mortgage fraud and violation state & federal foreclosure protections of FHA Loans when your home has been destroyed from a presidentially declared disaster that had automatic forebearance relief available but my servicer decided to not approved FHA loan guaranteed mortgage protection and during the process of getting the relief my servicer said my zip code didn't qualify for relief according to their disaster sheet. I submitted my contract for assistance with XXXX, the link to the website to check my zip code, and a copy of the disaster showing my included zip code, they did finally suspend my auction date while they were to investigate my claim, but they never contacted me after that. They never provide me with info of my allegations of wrongful foreclosure by denying me FHA LOAN disaster forebearance which was not an option to be denied but my right as an FHA loan borrower. Then in a complaint they stated they denied my request for disaster forbearance because I was delinquent prior to the disaster, upon which is not true, they lied because you are only eligible for a disaster forbearance if in fact you are behind on your mortgage. 
They also violated requirements for processing a foreclosure, they didn't contact me prior to their notice of default and didn't wait 120 days to file it and they never filed any foreclosure sale documents or notifications that even informed me about the postponed auction new sale date which is confirmed when pulling a title report on my property. 
Also at the time they proceeded with the foreclosure in violation of disaster relief laws, M & T Bank was revoked by the XXXX from doing any business or mortgage servicing in the state of California, and another act of fraud by them was they didn't just fail to misappropriate a payment but instead failed to apply the payment they received from XXXX that they received for {$82000.00} for California homeowners relief assistance program all together which if it had been applied would have given them no grounds to begin foreclosure proceedings or continue denying my complaints as duplicates because all their responses refer back to foreclosure avoidances between XXXX and none of those instances have any bearing on the foreclosure issue I've put forth in my complaint all which has caused me who is a permanently XXXX female and domestic XXXX victim with protective order, with severe health requirements to be illegally sheriff evicted from my home with daily in home healthcare assistance and a strict treatment program and instead receive no healthcare due to the fact I was homeless and living on XXXX XXXX with my medical service dog suffering from no food or water and I'm still homeless today after losing $ XXXX in equity and $ XXXX in personal property due to their illegal undocumented foreclosure auction to a fraudulent charity not legally allowed to do business who's owner was federally indicted and later convicted by FBI & XXXX XXXX XXXX XXXX multi state {$9.00} XXXX real estate fraud and money laundering and of which the attorney general processes legal orders to ceist & desist of any purchased assets in fake charity name, which included my home. My real damages include $ XXXX in loss property but the damages I've suffered due to gross negligence by the servicer regarding my health, mental anguish, stress, loss of everything, thoughts of suicide and hopelessness, destruction and XXXX thefts of my truck can legally be valued at 9 times that amount and for this suffering I've endured sleeping in dirt, not showering for XXXX weeks, unable to XXXX or have water when needed or get to doctor office visits or treatments causing me extreme intolerable pain for days on end is worth every bit of that

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