M&T Bank

Dear ***,Your recent correspondence regarding Mr [redacted] was brought to my attention for review.Ms [redacted] indicates having a savings account with M& T Bank ({/M& T") that has been charged fees andbelieves M& T changed the account without advising her of the changes She is requesting for the fees tobe refunded and for the account not to be assessed additional fees.On June 7, 2013, Ms [redacted] opened a Relationship Savings account with M& T, and upon accountopening Ms [redacted] was provided disclosuresI have enclosed the disclosures titled Specific Featuresand Terms for Relationship Savings AccountsThe disclosures indicate, among other things, that the feefor excessive withdrawals was $This fee applies for certain withdrawal transactions in excess of four(4) made during any monthly service charge cycle .In November 2013, a change in terms notices was provided with each monthly statement entitledImportant Information Regarding Changes to Consumer Deposit Accounts, enclosed for your reference.This document describes changes to certain checking and savings account, including changes effectiveMarch 13, to the Excess Withdrawal Fees As noted, the Excess Withdrawal Fee is now $forcertain withdrawal transactions in excess of six (6) made during any monthly service charge cycle.A review of our records indicates you were charged Excess Withdrawals Fees for the first time inNovember, Total charges for the statement period were $During this period, three (3)purchases were made from the account and eight (8) web transfers from the accountAs noted above,the fee applies for each transaction over six (6) for these types of transactions.Ms [redacted] has requested for M& T to refund the fees that had been charged and would like the sameaccount with no added feesAs courtesy, M&T refunded three (3) fees totaling $on November 10,As these restrictions and fees apply to all personal savings accounts at M&T, we are unable tochange how your account functionsPlease note that in addition to the fee, the terms of the accountspecifically indicate there are transaction limitationsContinued excessive usage can result in youraccount being closed so we recommend you carefully manage the usage of your savings account.If Ms [redacted] has any additional questions regarding the fees and withdrawals, she may contact M& TTelephone Banking Center at ###-###-####; Monday- Friday 6am to 9pm; Saturday-Sunday 9am toSincerely, [redacted] Customer Care SpecialistOffice of the Customer AdvocateEnclosure

Dear ***, Your recent correspondence regarding Ms [redacted] was brought to my attention for review and replyOn August 8, 20I4, Ms [redacted] contacted the M&T Bank ("M&T") Telephone Banking Center to report a malfunction at an M&T ATMMs [redacted] informed the representative that as she was making a cash and check deposit at the ATM located on Ritchie Highway in Baltimore, Maryland, the machine began to malfunction and although the machine took her deposits, her account was not credited the $Icheck deposit and the $cash depositThe Telephone Banking Representative filed a dispute for Ms [redacted] and submitted the dispute for investigationM&T issued Ms [redacted] provisional credit in the amount of $on August 12, 2014, while the investigation continuedM&T then monitored the ATM referenced above for an overageOn August 12, 2014, the check Ms [redacted] deposited was locatedHowever, as M&T already provided Ms***' account with the amount of both the check and the cash deposit, no additional funds were creditedThe ATM Dispute Team was notified of the check finding and therefore, continued to investigate the $cash depositThe A TM machine was monitored once a week through September 10, 2014, and no overage was foundAs a result, the dispute was denied on September 11, Ms [redacted] was mailed a letter advising her dispute was denied and the provisional credit would be removed on September 18, The provisional reversal on September 18, I4, was for the amount of $The $remained as this check was located as notated above After receiving the denial letter, Ms [redacted] responded to M&T via mail correspondence with a request to reopen the disputeM&T reviewed her request and confirmed the correct ATM was monitored and no overage was found after five (5) weeksHowever, the machine was checked again and an overage was located in the amount of $and on September 19, 2014, Ms***' account was credited with the $ Upon further review of Ms [redacted] account it is important to note that all overdraft fees associated with the missing deposits have been refunded On behalf of M&T, I apologize for the delay in resolutionI hope this information has been helpful Sincerely, [redacted] Customer Care Specialist Office of the Customer Advocate

[redacted] Dear ***, Your recent correspondence regarding Mr [redacted] was brought to my attention for review and replyMr [redacted] visited the M&T Bank ("M&T") Branch located in Monroe, NY to open a new checking account on September 5, Per Mr [redacted] 's correspondence to your agency he states, upon account opening, he discussed pre-authorized charges with the branch representative who advised him to avoid an overdraft he may deposit funds the same day the overdraft occursMr [redacted] also advises he enrolled in M&T Email Alerts to alert him daily of his available balanceThe M&T Email Alert is sent to Mr [redacted] every morning and it will display the available balance as of that timeMr [redacted] states he received his daily Alert on October 22, 2014, which displayed a negative balanceHowever, the transaction that caused the account to overdraw was an automatic debit that was processed on the night of Therefore, when the debit was processed his account became overdrawn by $On October 22,2014, Mr [redacted] made a $cash deposit via an M&T ATM at 10:15pmAs this deposit was made the day after the overdraft occurred, the account was assessed a $overdraft fee also on October 22, As noted in the complaint, at the time of account opening Mr [redacted] was given the choice of whether he authorized M&T to approve everyday debit card and A TM transactions when sufficient funds are not available in his checking accountMr [redacted] elected no, however, note that this does not impact the processing or fees for pre-authorized recurring bill payments (such as the insurance payment) or checksFor more information, please see the enclosed What You Need to Know about Overdrafts and Overdraft FeesAlthough no bank error has occurred, as a courtesy, I have refunded the overdraft fee that was assessed on October 22,A total of$was refunded to Mr [redacted] 's account on November 10, I would recommend that Mr [redacted] also consider enrolling in our Low Balance Alerts which will alert him once his balance goes below an amount he choosesThis can be done via Mr [redacted] 's M&T Online Banking account or by contacting M&T at [redacted] I hope this information has been helpful and apologize for any misunderstandingSincerely, [redacted] Customer Care Specialist Office of the Customer Advocate Enclosure

[redacted] Dear [redacted] ***, I am writing in response to your letter of complaint filed with the Revdex.com regarding the above referenced mortgageYour mortgage was acquired from [redacted] of [redacted] by M&T [redacted] on August 2, The collateral property is a condo and has a Master Condo Insurance policy through [redacted] & [redacted] We have reviewed our prior decision requiring you to escrow your H0-insurance policyThe mortgage closed on September 24, 2010; therefore, M&T [redacted] will not require the H0-insurance policy to be escrowed even though it was at originationA H0-policy is a personal insurance policy on a Condo loan that includes coverage for inside the structureM&T [redacted] disbursed payment on 9/4/to Security First Insurance Company in the amount of $for the H0-policyPer the insurance company's rules, as they received your payment second (in the amount of $176.75), they returned the funds to you directly on 9/18/An updated escrow analysis will be completed to reflect the removal of the disbursement for the H0-hazard insurance policyPer the escrow analysis, the monthly payment will be effective with the 12/1/paymentA copy of the escrow analysis will be sent under separate cover If you wish to add the H0-hazard insurance back to escrow in the future, please contact M&T ***'s insurance department at 1-888-882-I apologize for any inconvenience you experienced regarding this issueM&T [redacted] strives to provide the best customer service experience at all timesI hope I was able to fully address your concernsWe sincerely value your relationship with M&T [redacted] and are committed to providing you with the highest level of serviceIf you have additional questions, please do not hesitate to contact me at [redacted] , ext7809, with any concerns you may have Sincerely, [redacted] Mortgage Customer Support Retail Loan Servicing CC: Revdex.com

I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below I appreciate the response and detailsMy concern is that I am being charged too many overdraft feesMore than should be allowed chargedMy negative balance is primarily from the overdraft feesIf you could please credit the overdraft fees, it would bring the account to good standingThe absolute most I may be able to afford is a negative balance less than $I will try my best to resolve such balanceI cannot afford anything higher.I feel confident that my account should not be assessed these fees Regards [redacted]

[redacted] Dear ***, Your recent correspondence regarding Ms [redacted] was brought to my attention for review and replyOn October 5, Ms [redacted] contacted M&T Bank ("M&T'') after her debit card was declined at the Point of Sale ("POS")Upon research, it was determined Ms [redacted] ' card was being used through Visa without the use of a Personal Identification Number ("PIN"); it was declined based on parameters set within the fraud detection systems of M&TMs [redacted] contacted the M&T Telephone Banking Center ("TBC") and the representative was able to provide an exception for Ms [redacted] ' card in order to allow it to bypass the aforementioned parameters for two (2) daysThe alternative option provided was to enter her PIN when doing these transactionsPeriodically, M&T adjusts the parameters in the fraud detection system to protect against potential threatsM&T takes the privacy and security of our customers very seriously; however, we also want to ensure customers do not experience any inconvenience making transactionsOn behalf of M&T, I sincerely apologize for the inconvenience and embarrassment this caused Ms [redacted] Per Ms [redacted] ' desired settlement, she requests that M&T updates the back of our Check Card with a more accessible phone number to our TBC departmentM&T takes customer feedback seriously to minimize any negative impact to our customersPlease know that the M&T TBC is open Monday- Friday 6:00AM-9:00PM; Saturday and Sunday 9:00AM - 5:00PM (EST); and the telephone number to call is [redacted] Sincerely, [redacted] Customer Care Specialist Office of the Customer Advocate

Your most recent correspondence regarding Ms [redacted] A [redacted] has been received by M&T Bank ("M&T") and brought to my attention for review and replyAs stated in our attached correspondences of August 20, and October 30, 2014, MrandMrs [redacted] obtained their loan through the Federal Housing Administration ("FHA")As such, M&T is required to follow the guidelines of the Department of Housing and Urban Development ("HUD") when reviewing their request for any non-retention optionM&T completed the retention review, at which time the retention option was denied, as HUD will only allow one retention option in a month periodOnce the retention option was denied, the file was referred to the non-retention department for review In the most recent correspondence, Ms [redacted] also references a second loan that has appeared on their monthly statements since December This is the result of the partial claim that was provided along with the permanent loan modification effective September In order to bring the loan current, HUD advanced Mrand Mrs [redacted] $,, at a zero percent interest rate, that would become due on August 1, 2043, or when the original loan was paid in fullMrand Mrs [redacted] signed the Subordinate Note that referenced the term of this new loan, a copy of which is enclosedOnce the permanent loan modification was implemented on M&T's servicing system, the new loan was also entered and began appearing on the monthly billing statementsAt this time, Mrand Mrs [redacted] ' loan is due for the October paymentM&T is still working with Mrand Mrs [redacted] ' A TP towards the short sale of the property, but there are currently no offers on the homeIf a short sale cannot be provided by January , 2015, Mrand Mrs [redacted] can request to pursue a deed-in-lieu ("OIL") of foreclosure at that timeIf Mrand Mrs [redacted] have any further questions, they may contact their Single Point of Contact ("SPOC"), [redacted] ***, in M&T's Homeowner Assistance Center ("HOA") at 1- 800-724-The HOA hours of operation are Monday - Thursday 8:00AM - 9:00PM; Friday 8:00AM - 5:00PM; Saturday 8:00AM - 12:PM (EST)Sincerely, [redacted]

Your recent correspondence to the Revdex.com ("Revdex.com") was brought to my attention for reviewAccording to your correspondence, you indicate that you received a form in October from M&T Bank ("M&T") to verify your Social Security Number ("SSN") on a savings bond that had been cashed in November After receiving the form, you went into your local M&T branch and worked with the branch managerThe forms were completed and the branch manager faxed them to the appropriate department within M&TIn October 2014, a year later, you received the same form requesting the same informationYou went back into the branch and provided copies from the following year's information; however, you were unable to get any further assistance After reviewing M&T records, the information you provided in October did satisfy the requirement of the original noticeThe second notice you received in October was sent in error and requires no further action from youOn behalf of M&T, I apologize for any inconvenience or frustration this may have caused and thank you for bringing this matter to our attention as M&T prides itself on providing efficient and courteous service to each of our valued customersPlease be aware your concerns have been brought to the attention of the appropriate parties for coaching and training opportunities Sincerely, [redacted] Customer Care Specialist Office of the Customer Advocate cc: Revdex.com

M&T did settle the complaint for the full amountI in the future to avoid confusion that each page of their contract be signed or initialedA customer should not have to be fined or charged fees just on a, "We told you", All I asked for was proof, and they could not provide any proof, and then M&T bank management, in particular Ms [redacted] a year veteran lied, and tried to cover it upPeople should not have to go through the abuse, and humiliation that I endured.But I prevailed, because I wouldn't give up.Thank you.Hello:

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards, *** ***
Dear ***, Notice in the response from Ms.*** that most of the information mention was inaccurate. Some facts weren't mention but were documented by the representatives at the M&T Banking Center per conversations.With that being said, I'm question if a thorough investigation was never done. I am extremely disappointed as a valuable customer of M&T that I had to go through several obstacles in order to try an obtain a resolution with this matterOn August 8, I did contact M&T telephone Banking Center to inform them about the ATM malfunction issue that I sustain at the Columbia branch because at the time the Branch Manager nor banking administrator were present to address the situationMy transaction took place at the Columbia in Columbia, MD not the Ritchie Highway Branch in Baltimore, MD. Nevertheless, Ms*** ***( Relationship Banker) did contact me that evening of the 8th of August an informed me to return to the branch on Monday August , to file a dispute against the ATM. On August 11,I return to the branch to file an ATM dispute with *** *** (Branch Manager). I also mention to him that I was unaware of the cash amount that I deposited into the machine. Mr*** assured me not to worry because after the investigation was done I could request to reopen the dispute to determine the accurate amount of my depositMr*** was very persistent with retrieving the $check from the ATM machine to deposit it into my account but I insisted that the check stay in the ATM until the investigation was completed. The provisional credit of $835.68 was place in my account on August 12,however I received a document on September 15, stating that the provisional credit of $would be reverse on September 18, On September 16, I contact M&T Banking Center/Dispute Department several time to get some answers concerning the document I received but no one could be of any help. I had no knowledge on what to do, my deposit had just vanish out of the ATM machine and the most upsetting part of matter was that within conversation with majority of M&T representatives they were quite rude and unprofessional about the situationFinally a supervisor from the Banker Center advise me to file a police report so that a copy of the surveillance tape could be retrieve for the date of my transaction . That same day I returned to the branch to have my questions address about the credit reversal document before filing a police reportMs***( Relationship Banker) assisted me with not much knowledge of knowing what to do after reading the document and looking up my accountShe engaged in several conversations with Mr*** (Branch Manager) about the concerns. Ms*** requested that I contact the company who issues the check to get a copy of it. Upon contacting the company a copy of the check was faxed over immediately to Ms***. Ms*** then search for the check and was still unsuccessful with locating it. Ms*** before my departure informed me to contact Wells Fargo the check distributor financial institution to trace the location of the check because M&T didn't have any evidence of the check being deposit at allShe even question if I was certain that the transaction was made at that branchWith that statement being said I then told Ms. *** that I needed to get the police involved because now my action is being questioned and there is no trace of my moneyMs*** express that it wasn't necessary to had the police involve just contact Well FargoPer conversation with Well Fargo representative I was unsuccessfully with retrieving any information because I wasn't the check distributor. I then had a police officer called to the Branch to address my concerns about retrieving the surveillance tape for the day and time of my transactionThe officer and I spoke to Mr*** whom assured us that a police report was unnecessaryMr*** informed us that he could retrieve the surveillance tape himself by reaching out to the fraud department the following morning. Mr. *** also mention that he would reach out to me to following afternoon(9/17/14). Mr*** never contact meOn September 17, I reach out to the Banking Center/Dispute Department that handled the investigation via fax to reinvestigation my claim before reversing the credit as requestedBut the provisional credit reversal of $was done anyway on the 18th of SeptemberNot the full amount of $as stated in the document because somehow M&T located the $135.38 check . My account became negative from the credit reversal of $700 and insufficient fund fees were applied to my account from overdrafts On the morning on September 19, I still haven't heard anything from Mr***Therefore, I reach out to him to find out the surveillance tape was never retrieve. Mr*** express that he needed to follow up with fraud department and call me backI then contact the Banking Center/ Dispute Department againAfter several attempts I was told that my money was located and it would be credit back to my account by the end of the dayOn September 23, I requested via fax to the Dispute Department a copies of the full investigate be sent to me and to reinvestigate my dispute to determine that the correct amount was credit to my account. That evening after already being informed four days prior Ms*** contacted via phone , leaving a message on my answering machine stating that my money was located. However, three insufficient fund fees of $each remained on my account for two week after my transaction was recovered from the error that was made by bankOn October 2, 2014 a document was mail from M&T informing me about my overdraft fees of $138.83. The following day I had to return to the Columbia branch to have to fees remove because the Banking Center wouldn't remove the fee until the reinvestigate was completed.I'm reaching out to Revdex.com to obtain a resolution to this matter. The bank errors was conducted and still be handled inappropriate. M&T never sent any final documents about the recovery of my transactions nor did they attempt to contact me as I requested in the document sent to their Dispute Department since September 23. No apology letter sent from M&T Bank M&T is a company that penalize their customers with fees for their faultsI'm in need of answers and a resolution to this matter. I'm requesting a financial settlement be compensation on my behalf do to errors of the bank and the stress I encounter with resolving this ongoing matterThis is a company that I place my trusted in for years and I'm in disbelief on the way things are being manageI would like to submit my supporting documents to accompany my complaint. Soon after my requests are properly address I will be closing out all the accounts with M&T because this is just unacceptable
Sincerely,
*** ***

*** *** ***
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Dear ***, Your recent correspondence regarding *** *** was brought to my attention for reviewOn August 15,2014, Ms*** contacted the
M&T Bank ("M&T") Telephone Banking Center to report a problem with an M&T A TM located inside *** on Ritchie Highway in Brooklyn Park, MarylandDuring the call Ms*** informed the representative she only received $of a $A TM withdrawal she had just transactedThe representative reviewed the account and, per M&T systems, the $withdrawal was debited from her accountAs a result of the above information, the representative filed a dispute for the $An investigation began and M&T mailed a letter to Ms*** on August 18, 2014, advising her account was credited with $provisional credit while the investigation was openM&T reviewed the ATM in question for an overageAfter five (5) consecutive reviews, the machine balanced and did not show that it was holding an extra $Therefore, Ms***'s
dispute was denied and a letter was sent to her on September 17, 2014, advising of the denial and informing the $provisional credit would be removed on September 24, The ATM was reviewed once again on October 22, 2014, and was found to balance correctlyAs a result, Ms***'s dispute remains declinedSincerely, *** *** Customer Care Specialist Office of the Customer Advocate

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.The issue is that we did not receive statements for over a year. This is unacceptableRegards, *** *** & *** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

*** ** ***
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*** ***Your recent correspondence regarding Ms*** *** was brought to my attention for reviewMs*** indicates she had received a form in
October from M& T Bank ("M& T") to verify her Social Security Number ("SSN") on a savings bond that had been cashed in November After receiving the form, she went into her local M& T branch and worked with the branch managerShe completed the forms and the branch manager faxed them to the appropriate department within M& TIn October 2014, a year later, she received the same form requesting the same informationShe went back into the branch and provided copies from the following year's information; however, she said she wasn't able to get any further assistanceAfter reviewing M&T records, the information Ms*** provided in October did satisfy the requirement of the original noticeThe second notice she received in October 2014, was sent in error and no further action is necessary from Ms***On behalf of M&T, I apologize for any inconvenience or frustration this may have caused and thank you for bringing this matter to our attention as M&T prides itself on providing efficient and courteous service to each of our valued customersPlease be aware your concerns have been brought to the attention of the appropriate parties for coaching and training opportunitiesservice to each of our valued customersPlease be aware your concerns have been brought to the attention of the appropriate parties for coaching and training opportunities.Sincerely, *** ***Customer Care Specialist Office of the Customer Advocate

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Dear ***,
Your recent correspondence regarding *** *** was brought to my attention for reviewMr*** states he's been receiving bills for an
account that was paid in full and closedM&T Bank ("M&T") records show the account in question is a Revolving Line of Credit ("RVL") titled in the names of *** *** and Ronald HetrickThis account has not maintained a balance since However, the account was never closed, and per the original agreement, this account was assessed a $annual feeThe $bill that the ***s are receiving is for annual fees assessed in 2008, 2009, and M&T made changes to their RVL accounts in which included elimination of an annual feeThe annual fee was assessed and billed in December of each yearM&T records indicate the bills were sent to the address on file of PO Box 309, NFront Street, Liverpool, PA 17045, with nothing returned to M&T as undeliverableUpon receipt and review of Mr***s correspondence to your agency, as a courtesy, M&T waived the $balance and closed the RVL as of November 19, Sincerely, *** ***Customer Care Specialist Office of the Customer Advocate

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For
your reference, details of the offer I reviewed appear below. While I appreciate the conversation with Mr*** and him taking a "fresh" look at the project, you guys have ENTIRELY missed the purpose of this complaint and have not offered any resolution. The excuses in your response have absolutely NO merit or applicability to the issue: - The agreement was made with *** (Branch VP) - Your lame response "He wouldn't be qualified to do that" and totally try to sweep it under the rug by stating you're taking a "new look" is UNACCEPTABLEAgain, the FACT is he's the one that invited ME to the branch and made the offer to close this dealYou don't bait & switch customers which is why the Revdex.com was contacted in the first place. >>>>> The agreement had NOTHING to do with a specific rate -- it was whatever the rate was AT THE TIME of application. I'm sure *** himself will even tell you he made the agreement with me!!!!!!!!! - You state you didn't have the financial info - This is as I provided everything that was asked for MONTHS ago and I have proofThe only thing that hadn't been provided was a signed contract. - M&T started on this approxmonths ago and is just now trying to add even more steps, stipulations & road blocks that was NEVER mentioned at any time (seller must hold notes, etc.) No other bank has made this a requirement! - M&T Bank expressed interest in this project in the first place by talking directly to the sellerIf your going to conduct business like this then don't waste the buyer's time in addition to constantly visiting the property and harassing the sellerTotally unprofessional. Furthermore, Mr*** has NOT replied to the last message that was sent days ago so it's clear I've been blown off againAt this point I've already wasted days of the day contract period solely due to M&T's total lack of honestly and competenceThankfully multiple other banks have stepped up to the plate and have already made it so much further than M&T could in over months! At this point I'd rather just leave this complaint publicly posted on the Revdex.com site so other entrepreneurs that need a commercial loan don't bother to waste their time with M&T BankI'm definitely going to document everything I've had to deal with on my public blog. Regards, *** ***

Dear ***,
Your recent correspondence regarding Ms*** *** was brought to my attention for
review and reply
The M&T Bank ("M&T") Installment Loan in question was paid in full on September 16,
M&T holds title for ten ( 0) business days after closureAs such, the
title was mailed to Ms
*** at ** *** *** *** ***, Lowell, MA on September 30, As of today's
date, M&T has not received notice that the title has been returnedI would recommend Ms
*** inquiring with her local Post Office if she has not received the title
On behalf of M&T, I apologize for any misinformation Ms*** was provided
Sincerely,
*** ***
Customer Care Specialist
Office of the Customer Advocate

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Dear ***, Your recent correspondence containing additional concerns by Ms*** *** was brought to my attention for reviewAs noted in my previous response, the M&T Bank ("M&T'') A TM in question was monitored weekly through September 10, 2014, and no overage was locatedTherefore, the dispute was deniedAfter receiving a letter from Ms***, M&T confirmed the correct ATM was monitored and reviewed the machine once again and located the $in cash on September 19,
Ms*** account was credited the same day, and all overdraft fees associated with this deposit were also creditedAt M&T, we place a high priority on customer satisfactionI apologize for Ms*** experience and for any inconvenience it may have causedSincerely, *** *** Customer Care Specialist Office of the Customer Advocate

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below. Some of the points made by M&T Bank regarding my complaint were incorrect I've had an ongoing issue with M&T Bank for the last year concerning mailing items to the property address They claimed to have set my address: *** *** *** *** *** *** *** as the mailing address numerous times (& given me the assurance that it would only be changed if they received a signed & dated correspondence from the borrowers multiple times) Again, I've corresponded with them multiple times concerning this...So the claim that they were not advised of this is entirely false.Furthermore, on the 11/24/phone call to M&T Bank, I was told I needed to work out acquiring the check from Ms*** (my ex-wife) That M&T Bank had no responsibility in mailing me the check directly They stated that they would need days to verify if the check was cashed, b/c at the time Ms*** was avoiding speaking to me I was not informed to not cash that initial check And then when it was endorsed by Ms*** & cashed, M&T Bank not only stopped payment but also wouldn't release payment upon my multiple requests via phone calls They stated they mailed a second check on 12/1/14, but both I & Ms*** have no received that check So again, here I am, 1/06/with no escrow refund that was due within days! They've shown no sincerity or initiative in resolving my issue as my mortgage was paid in full on 10/27/14, today is 1/06/& I still do not have a check I called the provided number & extension for *** *** separate times yesterday only to reach a busy message (with no option to leave a message) each time I then called & spoke to a customer service representative, named *** She stated the best she could do was cancel the "2nd check" & issue a 3rd check That it would reach me in roughly days I've been down this road with them for months now, & I simply want this resolved/made right. I believe there are multiple options to resolve this Whether it be to electronically transfer the funds into my account, as it is the same account they electronically deducted payment from for the mortgage for the last few years Or they could overnight a check to my address, ensuring it's delivery But again, they show no urgency or sincerity...which is why I've had to make this claim I simply want them to honor refunding me the money that was legally due within days...I wouldn't have been able to claim a check was lost in the mail or mailed to the wrong address when paying my mortgage Someone needs to hold M&T Bank accountableRegards, Barclay Bennett

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to
me. All fees were reversed accordingly
The next time, when a representative, from M&T Bank, ***, say they will do something--they should do it. If *** would have followed through--all this could have been avoided
I shouldn't have had to send one e-mail after another that turned out to be to no avail.Regards, *** ** ***