M&T Bank Mortgage Complaint

M&T Bank Mortgage department,

FHA mortgage Loan servicing, payments, escrow account New York

I have a home loan with M & t bank. I 've never been late. Even now. Part of my loan had a requirement that I open an M & T bank account and the loan payment is pulled from there into the loan. For - yrs I 've had an automated transaction from my - - account to move $580.00 into my M & T account. The loan payment is about $570.00. I always check my digital email receipt of the wells transaction and my physical loan mailing update to make sure all is ok. A week ago, M & T calls me to tell me I have overdraft charges. I assumed my automatic transfer of $580.00 from - - to M & T failed. But it worked and my loan was paid up to date. I asked how do I have an overdraft then? . Them


what fee? Basically, they created a $15.00 under $500.00 '' fee on my account that I was required to have. They may have sent snail mail to me but I have a - ratio of junk mail from them so I only read my mortgage mail. My mortgage was up to date. I had been paying $2.00 more a month and they took the fee out of that. When that was all taken they gave me an overdraft of $80.00. They say they ca n't refund it and I owe them $5.00. They changed '' aka fixed my account so I is only for transfers but they ca n't undo '' $80.00 fee. Working with databases and CC transactions I know that is a complete lie and it 's just a rule to screw over customers. I have never been late. I want my money back. I was paying them on time for - years. They make a profit off that. They charged me a fee on an account that I was required to have ( profit on profit without extra work on their side ). They did n't properly alert me to the fee ( not thru email possibly hidden in junk snail mail offers ). They took my money and then fined me for the unpaid fee that I was n't alerted about on a required account for a profitable transaction. Again, I have never been late. I have never used that account for anything other than my loan transfer. What can I do? They said a manager would call me back after they called back and told me my request was declined ''.