M&T Bank Mortgage Complaint

M&T Bank Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Iowa

On -/-/- our mortgage was transferred by - - - M & T Bank/-. Since that date, I have made every payment on my mortgage. I have not received a statement from either entity acknowledging my payments or telling me how the money was allocated. I did get an incorrect statement from M & T in -, with a corrected statement regarding what I had paid in interest and property taxes that actually indicated what my mortgage balance was. I applied for mortgage modification last - and made the indicated trial payments on time. When I got the information for modification, there was NO reduction of the 6.375 % interest rate, simply the offer of a new 40 year mortgage. This was not at all satisfactory and our bankruptcy attorney said to not return the document. ( we filed for Chapter - bankruptcy -/-/- ) I have received several calls from - re. the modification and told each person it would not be signed or returned - weeks ago I had a letter from - telling me that the modification had been denied since it had not been returned on time. This letter also said we had been


missed any. I do NOT know where I stand with my mortgage and I now feel very threatenedby what these - entities have done and not done. This has seriously affected my health because my - had to increase my - - meds. I have formally send requests to both entities to send me complete accounting of my account - they have ignored the request. I need help. I do have documentation of times of phone calls and can make copies of all paperwork that I have received. Thank you for your help What I want is a reduction of my interest rate and I want a full accounting of every bit of money I have paid them and a stopping of letters that threaten foreclosure.