Consumer complaint received 2019-08-03
Company: M&T BANK CORPORATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received a notice from XXXX XXXX in XX/XX/XXXX that I was behind with one of my accounts and so I logged in and it was my mortgage company, M & T Bank. I had made all of my payments on time and even paid XX/XX/2019 payment in XX/XX/XXXX. I went through my bank statements just to make sure and yes, I had made every single payment, there just was not one listed for XX/XX/XXXX because I made it on XX/XX/2019. I emailed the company on their website listing dates and amounts that were paid ( I have attached a copy of the email and their response ) The XX/XX/XXXX payment was made on XX/XX/2019 for the payment amount of {$490.00}. The payment I tried to make early for XX/XX/XXXX was paid on XX/XX/2019 in the amount of {$560.00}. I paid extra to pay down late fees that I have incurred. Imagine my surprise when in the response from the bank, they told me that they did not show me making a payment of {$490.00} on XX/XX/2019. She asked me to fax the information over if I had proof otherwise which I did on XX/XX/2019 at XXXX XXXX, I am attaching the fax confirmation sheet. On Friday, XX/XX/2019 I received a letter from the bank dated XX/XX/2019 stating that they will investigate and let me know what they find. The letter states that I owe for XX/XX/XXXX ( which I do not ) and now it is XX/XX/XXXX and I owe for XX/XX/XXXX also. My credit report shows that I did not make a payment for XX/XX/XXXX, which is false, I sent them a statement from every month showing all of the payments I made. I also had a problem with my mortgage insurance and had to get new. My new company sent them the information in XX/XX/2019 to have insurance begin XX/XX/2019 and to be put in escrow. The company did not pay the bill for the escrow and beginning XX/XX/2019 raised my payment to include their insurance. My payment went from {$490.00} a month to {$780.00}. They would not accept payment for the mortgage only and did not pay the escrow for that. So I went back to the insurance agency and did a new policy that began in XX/XX/2019 but I still had to pay the outrageous amount of {$800.00} because they still did not pay the escrow and I had bounced a check so I added the {$20.00} to that payment, which I told the girl when I called that is what it was for, and yet it still shows I owe a {$20.00} NSF fee which I have attached a copy of my online account because it also STILL shows I owe for XX/XX/XXXX and now XX/XX/XXXX. As of today, XX/XX/2019, they have not paid my insurance to escrow and it will be cancelled on XX/XX/2019 if they do not. I have gone back and forth with this company and they are never willing to help even when it is their fault. I can't afford to pay XX/XX/XXXX and XX/XX/XXXX and so I will be going into default soon.

Thank you XXXX XXXX - XXXX M & T Bank is my mortgage company account # XXXX  Their phone number is XXXX

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 monetary relief