Consumer complaint received 2024-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
A couple of months ago I filed a CFPB complaint against M & T Bank for escrow account and mortgage account violations and these have continued since my complaint was closed and the bank indicated that it has resolved my issues. My property was properly designated as a single family home ; my insurance recognized for XXXX and XXXX, the forced insurance reversed and credit to my accounts made and a new escrow evaluation completed lowering my payment by $ XXXX dollars, with the only outstanding request a list of all disbursements to justify the current escrow amount. However, in the last three months I have received a letter from M & T every other day tasing for proof of hazard insurance which is tied to a home designated as a " condo '' under an XXXX policy and indicating there was a lapse in my hazard insurance coverage, from XXXX ( Letter XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX ), then a letter saying evidence of hazard insurance was provdided ( letter XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and then today, on a letter dated XX/XX/XXXX, I was sent a letter of notice of purchase of hazard insurance and a request to proivide XXXX insurance coverage for a condo. 

This request is once again absolutely ludicrous and should be considered fraud on this bank. As a new home owner it is criminal what this bank is doing and definitely violates is federal obligations under the FCRA. I will continue to file complaints until the federal government steps in to stop this mistreatment and will continue to look for an avenue to file a private suit against this bank as clearly this bank can, as directed before on several calls, go to the XXXX XXXX XXXX appraisers office website and see that my home is a single family home and NOT a condo. Further, my original home purchasing documents clearly indicate that my home is a single family home and M & T is not permitted to change my home designation from the original paperwork. 

I DO NOT OWN A CONDO! I do not require H06 insurance policy as I do not own a condo and I am done trying to get through to a live person to repeatedly say this. Which is another issue. The M & T call system does not connect you to a live person and gives no option for this. I have called the number on the letters repeatedly only to be sent to automated system to automated system to provide information only. The last time I called I was advised that an investigation would be done and then two days later I was advised that my home designation was updated to a single family home. Then the last CFPB investigation led to the cancellation of the prior forced H06 home insurance. And yet, here I am again asking M & T to do its due diligence and to do right by me only to find myself in a situation with a 2nd forced H06 policy. Absolutely unacceptable. 

How many times must this bank XXXX XXXX XXXX XXXX  my account and force extra exhorbitant payments before something is done about this mistreatment. A

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