M&T Bank Mortgage Complaint

M&T Bank Mortgage department,

FHA mortgage Loan servicing, payments, escrow account New York

I signed up to M and T auto draft on -/-/2015. The purpose of auto draft was for M and T to automatically draft my payments for my mortgage. M and T sent me an email thanking me for signing up for the service on -/-/2015. The email stated that I did not need to reply and I received no further correspondence in regards to the auto draft. All bill notices I receive from M and T indicate that if I am signed up for auto draft, the bill will be automatically paid. I have attached those emails. On -/-/2015 a letter was sent to me indicating that I could lose my home due to failure to make payments. I immediately contacted the bank after receiving the letter and made the payment of the phone. I wanted to dispute the late charges as I felt it was due to an M and T error/ miscommunication. I also wanted confirmation that it was not reported to the credit bureaus as the late payments were due to M and T not auto drafting. The person on the phone said they could not do that. I asked how I could follow up on


manager and they said they would look into it. I also asked to file a formal complaint and for documentation on M and T banks complaint procedure. The representatives stated that they could not provide this to me and that I could not file a complaint in person in the branch. I am at an absolute loss for what to do and I feel bullied by misinformation and apathy by M and T bank. They have a large amount of control over their customer 's lives and must be accountable for their actions. It is a simple case of an error that they made and they have done nothing to help fix it. I am requesting the fees to be waived, documentation that they did not contact any of the credit reporting agencies and for them to make filing a complaint easy so that issues can be identified and addressed. I would also like to be pointed in the direction of where I can locate my rights as a consumer when it comes to being able to file complaints with banking institutions. I have dealt with an unnecessary amount of anxiety over this issue with no assistance from the bank holding my mortgage.