according to XXXX XXXX XXXX XXXX during the last telephonic conference with him on XX/XX/XXXX only one box had to be checked. It should be noted for almost over a year the application for the modification was with M & T Bank and no one sent to the undersigned and correspondence with their requests despite the myriad verbal and written request presented to so my representatives and supervisors pf the Bank such as lately XXXX XXXX on XX/XX/XXXX and XXXX XXXX as late as XX/XX/XXXX very importantly and it bears repeating the undesigned has acted in good faith and the back kepts adding a new hurdle in the process. At this posture of the case it should be noted that the Covid-19 modification was denied although the undersigned completed all the steps including the monetary trial period. Every step of the way through the modification period the Bank may requesting new form to be completed and negate a previous one that it was send before such as the last request of form 45 -6 that it was send on XX/XX/XXXX and no one inform the undersigned after so many months that it was not successfully completed. Accordingly the crus '' and the status of the above loan remains unresolved despite the copous efforts inquires and requests to fulfill the Banks demands Now they are threatening with foreclosure by XX/XX/XXXX Despite the prompt and written correspondence to their requests. Noted since XX/XX/XXXX when the first monetary trial has paid the undersigned requested all the inquires concerns demands such as the death certificate of my late husband than cloudy probate. the itemized outstanding balance of the XXXX XXXX arrears yearly interest of XXXX

What the CFPB Record Shows About according to XXXX XXXX XXXX XXXX during the last telephonic conference with him on XX/XX/XXXX only one box had to be checked. It should be noted for almost over a year the application for the modification was with M & T Bank and no one sent to the undersigned and correspondence with their requests despite the myriad verbal and written request presented to so my representatives and supervisors pf the Bank such as lately XXXX XXXX on XX/XX/XXXX and XXXX XXXX as late as XX/XX/XXXX very importantly and it bears repeating the undesigned has acted in good faith and the back kepts adding a new hurdle in the process. At this posture of the case it should be noted that the Covid-19 modification was denied although the undersigned completed all the steps including the monetary trial period. Every step of the way through the modification period the Bank may requesting new form to be completed and negate a previous one that it was send before such as the last request of form 45 -6 that it was send on XX/XX/XXXX and no one inform the undersigned after so many months that it was not successfully completed. Accordingly the crus '' and the status of the above loan remains unresolved despite the copous efforts inquires and requests to fulfill the Banks demands Now they are threatening with foreclosure by XX/XX/XXXX Despite the prompt and written correspondence to their requests. Noted since XX/XX/XXXX when the first monetary trial has paid the undersigned requested all the inquires concerns demands such as the death certificate of my late husband than cloudy probate. the itemized outstanding balance of the XXXX XXXX arrears yearly interest of XXXX

according to XXXX XXXX XXXX XXXX during the last telephonic conference with him on XX/XX/XXXX only one box had to be checked. It should be noted for almost over a year the application for the modification was with M & T Bank and no one sent to the undersigned and correspondence with their requests despite the myriad verbal and written request presented to so my representatives and supervisors pf the Bank such as lately XXXX XXXX on XX/XX/XXXX and XXXX XXXX as late as XX/XX/XXXX very importantly and it bears repeating the undesigned has acted in good faith and the back kepts adding a new hurdle in the process. At this posture of the case it should be noted that the Covid-19 modification was denied although the undersigned completed all the steps including the monetary trial period. Every step of the way through the modification period the Bank may requesting new form to be completed and negate a previous one that it was send before such as the last request of form 45 -6 that it was send on XX/XX/XXXX and no one inform the undersigned after so many months that it was not successfully completed. Accordingly the crus '' and the status of the above loan remains unresolved despite the copous efforts inquires and requests to fulfill the Banks demands Now they are threatening with foreclosure by XX/XX/XXXX Despite the prompt and written correspondence to their requests. Noted since XX/XX/XXXX when the first monetary trial has paid the undersigned requested all the inquires concerns demands such as the death certificate of my late husband than cloudy probate. the itemized outstanding balance of the XXXX XXXX arrears yearly interest of XXXX has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 1 includes a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to The , and the most recent logged activity is The unders, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, according to XXXX XXXX XXXX XXXX during the last telephonic conference with him on XX/XX/XXXX only one box had to be checked. It should be noted for almost over a year the application for the modification was with M & T Bank and no one sent to the undersigned and correspondence with their requests despite the myriad verbal and written request presented to so my representatives and supervisors pf the Bank such as lately XXXX XXXX on XX/XX/XXXX and XXXX XXXX as late as XX/XX/XXXX very importantly and it bears repeating the undesigned has acted in good faith and the back kepts adding a new hurdle in the process. At this posture of the case it should be noted that the Covid-19 modification was denied although the undersigned completed all the steps including the monetary trial period. Every step of the way through the modification period the Bank may requesting new form to be completed and negate a previous one that it was send before such as the last request of form 45 -6 that it was send on XX/XX/XXXX and no one inform the undersigned after so many months that it was not successfully completed. Accordingly the crus '' and the status of the above loan remains unresolved despite the copous efforts inquires and requests to fulfill the Banks demands Now they are threatening with foreclosure by XX/XX/XXXX Despite the prompt and written correspondence to their requests. Noted since XX/XX/XXXX when the first monetary trial has paid the undersigned requested all the inquires concerns demands such as the death certificate of my late husband than cloudy probate. the itemized outstanding balance of the XXXX XXXX arrears yearly interest of XXXX reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "the modification process started in XXXX and all the necessary application requirements completed in XXXX. By XX/XX/XXXX the monetary trial period started and the followed to the XXXX. However", and the single most common underlying issue is "they had another verbal request the title which it had been provided with first application came back to them cloudy. The undersigned approached the probate officers who needless to say they were laughing at me with the naivete of the inquires. regarding cloudy title. Finally".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating according to XXXX XXXX XXXX XXXX during the last telephonic conference with him on XX/XX/XXXX only one box had to be checked. It should be noted for almost over a year the application for the modification was with M & T Bank and no one sent to the undersigned and correspondence with their requests despite the myriad verbal and written request presented to so my representatives and supervisors pf the Bank such as lately XXXX XXXX on XX/XX/XXXX and XXXX XXXX as late as XX/XX/XXXX very importantly and it bears repeating the undesigned has acted in good faith and the back kepts adding a new hurdle in the process. At this posture of the case it should be noted that the Covid-19 modification was denied although the undersigned completed all the steps including the monetary trial period. Every step of the way through the modification period the Bank may requesting new form to be completed and negate a previous one that it was send before such as the last request of form 45 -6 that it was send on XX/XX/XXXX and no one inform the undersigned after so many months that it was not successfully completed. Accordingly the crus '' and the status of the above loan remains unresolved despite the copous efforts inquires and requests to fulfill the Banks demands Now they are threatening with foreclosure by XX/XX/XXXX Despite the prompt and written correspondence to their requests. Noted since XX/XX/XXXX when the first monetary trial has paid the undersigned requested all the inquires concerns demands such as the death certificate of my late husband than cloudy probate. the itemized outstanding balance of the XXXX XXXX arrears yearly interest of XXXX: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.