M&T Bank

They say I cannot drive the 9 hours to the nearest branch to pay. They won't give me the correct information to send a bill pay from my bank. They made me have my bank fax TWO LETTERS stating I have an open account, again from the account I have always used to pay, and told me that NAVY FEDERAL CREDIT UNION IS A SMALL FINANCIAL INSTITUTION AND WON'T ACCEPT PAYMENT DRAFTS. Reality check, they're a major bank and have far higher ratings and standards than M&T. Look it up. They keep making me call NFCU to "look out for the payment" nonstop runaround. My home was destroyed by Hurricane Florence, and every single person who I speak to has no idea. They ask why the home is vacant and not secured. BECAUSE IT NO LONGER EXISTS, HELLO.

Read. The. Notes. So they keep calling demanding payment and threatening foreclosure but won't take my money. I have every single cent. I take tons of screenshots to show where I've submitted the payments, where it was taken from my bank, returned, of the letters and emails, the fees, etc. I will report them to every single agency I can find. This company is trash. I've never missed a payment, EVER. Yet I can't get ANY actual help from ANYONE. TELL ME M&T, WHAT DO I HAVE TO DO TO PAY YOU? This is mortgage number 4 for me, and I have never had issues. Ever. I can't wait to get away from them. Please, do NOT use them.

After receiving assurances that all I need to do is "go paperless," I "went paperless," and expected to be safe in opening this new account. Within two weeks or so, not fewer than THREE separate mailings boldly labeled from M&T arrived at my residence for me, and on each occasion, my abuser opened the item before it reached me, and interrogated me regarding its meaning.

After the second arrived, I asked my banking representative to correct the situation, and while she did her best, that third item, which, ironically CONFIRMED that I had ordered a stop on mail to my residence, still arrived. The personal safety of its customers does not seem to matter to M&T bank -- at least not enough for it to give a damn about doing things right when it comes to privacy protections specifically requested by an endangered customer. I would suggest that women, in particular, avoid M&T, and find a bank that actually has a clue about the scourge of domestic abuse/violence that is destroying massive numbers of women's lives daily.

I called to ensure this was correct (2x) and was reassured that the only information missing was my flood insurance and that I should keep that specific amount to pay back into escrow. Later I noticed the flood insurance payment I had made (a week or so later) was refunded because M&T sent a check to them, even though I was told they were not doing this and that I needed to pay them myself. They also said they would make sure my flood insurance for next year was added back to escrow. (All of this during another phone call because I received ANOTHER letter stating I didn't have coverage).

After this was paid we decided to use the rest of the amount to pay off medical bills we accrued from the birth of our son in April, 2018. This was SUCH a relief until I received another analysis stating that we owed our escrow account $1771 and change and that our payment would now be nearly $1500 per month. Mind you it was $1189.00 before this and was 1296.00 before they did their first analysis. The company refused to acknowledge their mistakes or assist us in any way. They said I could pay it all back and our payment would remain the same...because we just have $1800 laying around for their screw up.

Furthermore, I paid back the flood insurance amount and added additional payment to reduce the amount we owed to escrow... And I was told this would make our payment lower. Well, guess what!! I received another analysis and the amount owed was $10 cheaper... They "didn't know my taxes went up." This is incorrect, as I told the last person I spoke with that I understood my taxes increased and I was happy to pay the additional for that. (They also made me increase insurance coverage by $83 previously).

When I called about this issue, the first women I spoke with had NO IDEA what she was talking about and I had to correct her. She was reading the entirely wrong information...(another call that I was told incorrect information). Eventually I ended up speaking with a "manager" who I had spoke with previously and he is going to extend the owed amount past 12 months so that our payment does not increase significantly... So basically doing NOTHING to fix their mistake. Mind you they told me to write a letter asking for this to be done and I refused and told them they need to handle it, that I would not be doing anything additional to fix their mess! The ONLY reason I remotely agreed to this is because I am going to refinance elsewhere, I have already left a message for my attorney, and I am also filing a complaint with the attorney general.

My fiance and I are hardworking, college educated, professional individuals... We are never looking for a handout and would never have owed escrow if it wasn't for M&T's continuous incompetence... It is unfortunate that this company does not care about the financial impact they have caused a young firefighter and his family. Shame on you M&T!!

I told him they will have their payment by the close of business on the 16th. He said "ok, I'll put in a "promise to pay" and the calls will stop". But guess what? The calls haven't stopped. My husband told a rep earlier today that he wanted to put her on a 3 way call with our lawyer, she said she doesn't wait around for that. When he asked her name & ID number, she hung up. This is now harassment. I am well within my grace period. I have NEVER been late on a payment. And, to top it all off, when they call, caller ID shows up as "AMENDTE Bank" with their 800 number, not "M&T bank" like in the past. I don't understand how they get away with the things they do. If I had the chance, I would get rid of them as my mortgage company. Thank goodness I never opened a bank account with them.