M&T Bank Corporation Mortgage Complaint

M&T Bank Corporation Mortgage department,

Conventional adjustable mortgage (ARM) Loan servicing, payments, escrow account California

Dear CFPB, I, like many Californians, have been fighting to keep my home. I lost my job in - and while I could not make full payments, I made partial payments that the mortgage holder, M & T Bank, accepted for several years. Once housing values began to rise, M & T Bank began a series of moves intending to foreclose on my property. The foreclosure was in place and going to court when I hired a law firm that claimed they would help. They only thing they did was send a letter letting the bank know I was now represented. They did nothing to negotiate lower payments or a more reasonable payment schedule. However, I was able to get a loan modification agreement in place with M & T Bank. I have paid every payment on time, in full as required by the agreement. M & T Bank claims they did not receive the payment for - - ; I have a copy


They have been reported to all - credit agencies that I have been late on my payments since - - when I began my - trial payment for the loan modification program. They claim I was late for my payment in - - - they received the payment on - -, - and claim that I was late in - - when they received payment on - -, -. They have been trying different ways of foreclosure for the past two years and destroying my credit is just another method. I have called the bank a number of times to try to get them to fix the problems and refund the late fees that I paid in - - but did not owe but can not get anyone to actually sit down and fix the errors on their end. I am almost - - -, without funds, - and ca n't continue to fight them by myself. I have filed disputes with the credit agencies but they are waiting for M & T Bank to respond, and M & T Bank has no impetus to respond ... in the meantime my credit rating is taking a huge hit. Please help! I can send you copies of all the cashed checks to prove I paid every payment on time. Thank you in advance for your time and consideration.