Consumer complaint received 2024-07-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION (TX)

Hello, Escrow and Property tax team, I have written this letter with much concern about the suspicious escrow amount disbursed, as well as the lien that was put on my house for missing property tax payments.

To help solve the issue, I have attached all tax information directly from the tax office, and laid it out for you to diminish confusion.

First I would like to discuss the lien on my house XXXX XXXX XXXX and XXXX XXXX XXXX My house is owned by three different individuals, therefore property and mud taxes are split into 3 ( creating 6 different tax bills = 3 for property and 3 for mud ) Original Taxes before late fees : ( this information is important to use for the suspicious escrow amount disbursed ) Property Taxes XXXX XXXX XXXX {$1600.00} XXXX XXXX {$1100.00} XXXX XXXX {$1200.00} Total amount {$4000.00} Mud Taxes XXXX XXXX XXXX {$1100.00} XXXX XXXX {$1100.00} XXXX XXXX {$1100.00} Total Amount. {$350000.00} Mud and property taxes added together = {$7500.00}. 
Payments made on time for Taxes XXXX ( Timeline ) XXXX XXXX - Property tax - {$1200.00} - XX/XX/XXXX ( Paid in Full ) ( XXXX XXXX ) XXXX XXXX - Mud Tax - {$1100.00} - XX/XX/XXXX ( Paid in Full ) ( XXXX XXXX  ) -Received delinquent notice for remaining taxes ( XXXX and XXXX XXXX -Submitted a request to M & T Bank multiple times to get taxes paid XXXX XXXX XXXX Property Tax - {$1300.00} - XX/XX/XXXX ( Late fees were added ) ( Paid in Full ) ( XXXX XXXX  ) XXXX XXXX XXXX Mud tax - {$1300.00} - XX/XX/XXXX ( late fees were added ) ( Partial payment ) ( XXXX XXXX  ) XXXX still owes {$300.00} for Mud Tax ( XXXX XXXX ) XXXX XXXX XXXX Property Tax - ( late fees were added ) Partial payment of {$250.00} - XX/XX/XXXX XXXX XXXX XXXX  ) Partial payment of {$320.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX still owes {$1600.00} - ( XXXX XXXX XXXX XXXX XXXXXXXX - Mud Tax - {$1300.00} - XX/XX/XXXX ( late fees were added ) ( Partial payment ) ( XXXX XXXX XXXX XXXXXXXX still owes {$300.00} for Mud Tax ( XXXX XXXX  ) The total amount of property taxes have been paid altogether with late fees included is : {$3100.00} Still owed Property taxes : {$1600.00} The total amount of Mud taxes that have been paid altogether with late fees included is : {$3800.00} Still owed Mud taxes : {$610.00} IMPORTANT NOTE : I talked with the tax office and they told me they received a check for the amount of {$1600.00} for which {$1300.00} XXXX XXXX XXXX XXXX paid XXXX 's property taxes and the rest {$320.00} ( Exhibit G ) was put into XXXX property tax account, hence the partial payment.

I STILL OWE TAXES AND HAVE A LIEN ON MY HOUSE. 
WHO PAYS THE LATE FEES? ME OR THE BANK BECAUSE I DEFINITELY MADE ALL MY PAYMENTS ON TIME, BUT THE BANK DIDNT. THIS SHOULD NOT BE MY FAULT Now part XXXX. Suspicious Amount DIsbursed. 

In XXXX and XXXX M & T bank has paid an amount of {$15000.00} out of my escrow for the taxes of XXXX, NOT XXXX. ( Look at page XXXX to refer the actual amount that shouldve been paid for XXXX alone taking into account that XXXX of them ( XXXX ) were paid in XXXX. 
As discussed above XXXX ( mud and property tax for XXXX ) payments were made on time in XXXX and there were partial payments for XXXX and XXXX made this year. 
The County Tax Office did not receive all {>= $1,000,000} and part of my taxes are still unpaid. 
Where is the money going? 
M & T Bank has disbursed in XXXX ( XXXX XXXX  ) ( for these payments please refer to page XXXX to see that the amount disbursed matches the original amount of taxes before late fees. they should be charged XXXX per year per person. ) XXXX payments of {$1600.00} ( This amount belongs to XXXX and should be paid once, NOT twice ) ( XXXX XXXX XXXX look at Total XXXX Tax on the right-hand side - The number matches XXXX payments of {$1100.00} ( This amount belongs to XXXX and XXXX be paid once, NOT TWICE ) ( XXXX XXXX - look at Total XXXX Tax on the right-hand side - The number matches XXXX payments of {$1100.00} ( This amount belongs to XXXX and XXXX- they are MUD Taxes and should only be paid once for each. Therefore there should only be 2 payments of {$1100.00} NOT XXXX ( XXXX XXXX XXXX XXXX  ) Look at TAX XXXX below exemptions. 
that's 8 tax bills - we already paid XXXX in XXXX, and we are supposed to have XXXX left ( because there are XXXX people - that makes XXXX tax bills ( read XXXX page to understand this ). 
There are XXXX payments disbursed in XXXX. 
There should only be XXXX payments in XXXX. 
However, the tax office DID NOT receive these XXXX payments. They only received XXXX for the amount of {$1600.00} on XX/XX/XXXX. 
NOW XXXX Another XXXX sets of payments were disbursed after an investigation into my account started, after I requested for my taxes to be paid ( Exhibit L ) Therefore there have been in total XXXX tax payments - XXXX in XXXX and XXXX in XXXX. 
THERE SHOULD ONLY BE XXXX LATE TAX PAYMENTS MADE THIS YEAR FOR XXXX. 
WHERE IS THE MONEY GOING? 

IMPORTANT NOTE : I Received an Escrow Refund of {$7400.00} - XX/XX/XXXX for the year of XXXX. I believe they forgot to pay the rest of my MUD AND PROPERTY TAXES. 
I AM HAPPY TO RETURN MY ESCROW REFUND TO PAY FOR XXXX TAXES THAT WERE FORGOTTEN. 
M & T BANK IS USING THIS YEAR 'S ESCROW TO PAY LAST YEAR 'S TAXES AS WELL AS MAKING IRRATIONAL AND UNSOLICITED PAYMENTS OUT OF MY ESCROW. 

I AM FILLING A COMPLAINT TO THE CFPB FOR Improper payments from my account Suspicious money disbursement Failing to pay Taxes and having a Lien in my house Improper handling of account and dismissing customer