Consumer complaint received 2024-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
Something is not right. I am being asked to pay homeowners insurance to two different places, one to M & T Bank and one to XXXX XXXX. I can not get a straight answer from them. I am the heir to my dad 's estate home at XXXX XXXX XXXX XXXX, AR XXXX. Our family home is deeded to me. I helped my with all financial matters for many years before he passed unexpectedly in XXXX of XXXX. I have continued to pay this mortgage ( taxes and homeowners insurance are escrowed ) every single month with no missed payments. I have gone to court and have papers as heir to dad 's estate. M & T Mortgage is not sending me proof of insurance so I know and understand what is going on with the homeowners insurance on our home. My brother lives there but has limitations due to illness. I pay the mortgage every month. M & T Bank has not informed me of any homeowners insurance cancellation. Shelter insurance did not inform me of any homeowners insurance has cancelled. I did not get any notices. I am receiving all the mail at my house in I reside here in XXXX XXXX XXXX XXXX TX XXXX. Again, I never received any notice of cancellation. And no payment where ever missed. XXXX at XXXX XXXX  sent a check for {$2500.00} in XXXX. This is what started me to ask more questions. I asked what it was for. He said the insurance was cancelled by in XX/XX/XXXX, when the policy expired. I told him I never received a notice. I think XXXX XXXX requires a protocal for this and I do not think it was followed. Since I have being paying the mortgage to M & T Bank, i had no idea there was an issue. M & T bank mortgage has increased twice since XXXX, STATING DUE TO INSURANCE INCREASE. Mortgage was {$380.00} ( estimate ), then it increased to {$450.00} ( estimate ) in XXXX, and in XXXX it increased to {$610.00} ( estimate ). This is almost double the mortgage. This is not right. M & T Bank has me in the dark stating because my dad 's mortgage is in the estate of XXXX XXXX XXXX, they can only allow me to make payments but i can not log into the account and information is limited, meaning I can ask too many questions about the mortgage. This can not be right. I requested current information and am not getting it. I want to know why i am paying insurance and now shelter insurance is asking for an additional payment for non owner occupied home but I am still paying homeowners insurance which is escrowed. I asked M & T Bank to remove the homeowners from escrow and they said no. So I am paying escrowed homeowners insurance, which M & T Bank will not send current proof and I am paying shelter insurance. Again i never got one cancellation notice, I dont know who M & T Bank has the mortgage insurance with currently, because they will not provide me with current proof of insurance. Something is not right. please help to resolve. I have called and wrote to M & T Bank and I have spoke and communicated to XXXX at XXXX XXXX in XXXX XXXX  ( prior owner XXXX XXXX XXXX. Please help to resolve.I want to fully understand what is going on with the homeowners insurance. Why was the homeowners insurance cancelled and I never got the notice. Why if is was cancel I didn't received notice until XX/XX/XXXX with a check? Why wasn't I notified sooner. Why am i being asked to pay two Homeowners insurance? Why M & T Bank will not give me the documents I have requested? Request from M & T Bank on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX regarding this matter. Many other communication since dad passed.

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 explanation