M&T Bank Corporation Bank Account Or Service Complaint

M&T Bank Corporation Bank account or service department,

Other bank product/service Making/receiving payments, sending money South Carolina

My mortgage account was transferred from - - - to M & T Bank a few years ago. In 2015, I was experiencing some income challenges and fell behind in my payments. From -/-/2015 through -/-/2015, with - grace, I was able to pay off the agreement with them. This was to clear ALL debt due and I was to start fresh for the new year, per their Mortgage Assistance Department. This never happened. My -/-/- bill included additional " past charges '' that there Customer Service Department insisted were still due. To make matters worse, I changed mortgage insurance from - to - in -/-/2015. I contacted all parties ; bank and both insurance companies however, the mortgage still reflected the higher - premium for -/-/-. I paid that month, hoping that the corrections would be made the next month. They were not. I called and was told that whichever department that processes insurance changes had not done so. In the meantime, I was to pay the excess charges, since the bill was sent already, and I would be reimbursed. I told the young lady, to whom I was speaking to,


overage that I had paid. The next month, my bill still carried the old premium and again, I did not pay that portion in -/-/-. Since that time, the bank has been carrying that old premium as something I owe, which I do not. I have not spoken with the bank as each time I had in the past, the person receiving the call speaks to me as though I am at fault and gave no credence to anything that I have tried to explain. I discovered yesterday, in checking my credit report, that they have been reporting to them, 30-day late payments ever since -/-/- despite my monthly on-time payments! This has reflected negatively on my credit rating and has caused me to be declined for a car loan, which I now desperately need!