M&T Bank Corporation Mortgage Complaint

M&T Bank Corporation Mortgage department,

FHA mortgage Loan servicing, payments, escrow account California

In - 2014, we filed for Ch. - bankruptcy. Our home loan is included in the payment plan. M & T Bank is the mortgage servicer on the loan. My payments to the trustee are automatically deducted from every paycheck ( see " Payment Since Start of Case '' pdf, attached ). We were relocated by my job to CA and rented a home for 2 years. Recently, we moved out because the landlord is selling the home. We have been denied apartments because of the BK, and in this area, no one will rent a home to us because of the BK. Our only option for a home is to buy another FHA-financed home, which is justifiable for FHA due to the relocation. We are near the end of our home buying approval process and our new mortgage broker ( for the home we are trying to purchase now ) was notified that M & T Bank has been inaccurately reporting our mortgage payments to HUD,


We called our assigned M & T Bank representative, - -, who admitted a discrepancy with the account. - - says that M & T Bank internally views my account as " in default '' even though I am in a Ch. - payment plan. He could not explain the discrepancy between their alleged claim of default and my up-to-date payment ledger ( continue reading for the name of the attachment ). After I told - - that M & T Bank is violating my rights as a consumer by failing to report accurate information to HUD, which is a governmental agency, management and - - told me that they are referring my case to their attorneys who will communicate with my bankruptcy attorneys. Attached, you will also find a document named " - That document shows that I am not in default, as M & T alleges, and has a letter in which - - admits that my account is current. Attached, please find HUD 's response, requesting that we ask M & T Bank to correct its erroneous reporting ( " FHA answer re - ). M & T Bank refuses to rectify the issue and/or send it through the appropriate channels to resolve the situation.