Paramount Real Estate

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 I have been a loyal M&T Bank Member and hope that those who handled my case are properly reviewed It was very unacceptable that my case had to be escalated to this level in order to be resolved and that I had to spend hours resolving this issue I particularly found it unprofessional how Francisco addressed me as "Mrs Hill" in his first email on 5/11/17, and how Karen abruptly closed my case based on misinformation on 5/24/
Regards,
*** ***

Revdex.com:
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
I would like to have my loan refinanced thru my credit union and M & T absorb the cost. My relationship with this bank I do not think can be repaired
Regards,
*** ***

My response is can you tell the lady that's in charge of the m&t that that's not the conversation I was referring to and also I'm closing my bank account
very soon anyway just to much going on and to keep up with and I'm not satisfied and I want that fee of the other away as well because even in the terms it says it won't give you a over draft fee for something that is dollars and I don't remember ever doing that transaction and this is the issue things get refunded and really added back like my amazon purchases I can show what day I ordered it and amazon been shipped my items it will have two different dates on it that's why I think the other overdraft fee shall be gone as well

Since Nov of last year, M&T has provided payoffs in the amount of roughly $170,to me and my attorneys for my mortgage that was allegedly modified thru the Obama restructuring program while I was going through my divorceI continued to ask if that amount included everything as I could not
stand to lose any money due to the sale of the house or divorce. I sold the house and nothing showed on any of the payoff statements until the title company closed the sale and ran title, nothing was even showing on my credit report regarding this additional lienThere was an additional lien on the property by NOVADNovad had said that M&T sent the balance of the restructure loan to themNovad said what was not valid was that M&T bank made an error in the payoff figures and it was M&Ts responsibility to notify me of the amount, not Novad'sI am requesting from M&T that they stick to their word and confirmation of original payoff amounts given just prior to the sale of my property and closingNovad said M&T should have notified me of the second lien and who to contact in regards to this payoffM&T continued to maintain that no loan modification was ever made

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaintMs. *** acknowledges my letter to Mr*** and states that I raised additional points in the Revdex.com complaint. That is not entirely correct. The letter to Mr*** expressed our concern that the commercial loan agreement was negotiated as a package, and the business LOC was part of that package. By M&T bank unilaterally closing the LOC significantly changes the terms of the commercial loan agreement. Furthermore, Ms*** states that the LOC was closed on December 4. I was never notified of this and only came to find out about it when the LOC check that I deposited in the M&T checking account bounced. In fact the letter received in January notifying us hat M&T is closing the checking and savings accounts did not mention anything about the LOCFinally, Mr*** states that M&T responded to my letter to Mr***. This response came to us after we filed the Revdex.com complaint. Regardless, the letter did not address the main concerns we raisedRegards, *** ***

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, *** *** ***

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 belowNo refund was provided, therefore I do not accept the solution. Regards, *** ***

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 belowI DO NOT WANT THIS "CUSTOMER SERVICE REP" TO RESPOND TO ME ANYMORE!! I WOULD LIKE MY INSUFFICIENT FEES CREDITED BACK TO MY ACCOUNT BECAUSE THE SERVICE REPS IN M & T CUSTOMER CALL CENTERS MISINFORMED ME THAT I WOULD BE CREDITED THESE FEES!!!!!!!! I DONOT CARE WHAT MELISSA SAYS, THEY CAN PULL EACH AND EVERY CALL AND LISTEN TO THE MISCOMMUNICATION FROM EACH AND EVEY SINGLE REPRESENTATIVE!!!! I WANT A HEAD MANAGER LOOKING INTO THIS!!! NOTTTTTT MELISSA!!!!! Regards, *** ***

please notice underlined items, thank you

Revdex.com: 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 belowI have faxed documentation to M & T Bank to show that they did indeed report me as delinquentI am waiting for there response. Regards, *** ***

I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me However -
We DID NOT authorize payment on the credit card I have stated that on the phone, in the complaint form and again to Revdex.com That we paid in cash really has nothing to do with the fact that our card was charged without our consent. Regards, *** ***

Dear *:M&T Bank ("M&T") received your correspondence via the Revdex.com ("Revdex.com")dated February 21, Thank you for the opportunity to respond to your concerns.Upon review of your account, your vehicle was repossessed in May 2016, at which time youraccount was due for the
February 9, 2016, monthly installmentOn May 13, 2016, you contactedM&T to discuss your payment options and how to redeem the vehicleAn M&T representativefollowed up with you the same day and provided the redemption amount of $3,as of thatday.On May 19, 2016, you contacted M&T to advise you will be redeeming the vehicleAs such,you were quoted a new redemption amount of $4,146.35, including the updated storage fee of$for six (6) additional daysM&T records show you redeemed the vehicle on May 20, 2016.M&T confirms the outstanding balance is accurateThe payoff amount good until March 10,2017, is $5,with a per diem of $I enclosed a copy of your payment history forreference.If you have any additional questions or concern regarding your account, please contact M&T' sCustomer Asset Management ("CAM") Department at (800) 724-The hours of operationare Monday through Thursday from 8:00AM to 9:00PM and Friday from 8:00AM to 5:PMET.Sincerely,Kristin *CAM Escalations AnalystEnclosure

This message is pertaining to Complaint ID #*** against M&T Bank.They have requested an extension until March 8, and this is not acceptable because they are closing the bank account on February 26, and this delay tactic is a deliberate attempt to render this complaint irrelevant.
They need to respond before February 26! Best regards,***

I am not satisfied with the response given by M&T Bank and am requesting more time to respond to their letter. I have over years of
documents to research before an accurate response can be written. I will have a response available by march 31, Please inform me immediately If this is not acceptableThank youM&T bank has responded to my complaint with basic information, dates and dollar amounts, but has not provided explanations, answers or solutionsMany details are missing, do not make sense, or are not true. After several attempts, I have not received proof that the FDIC legally transferred my loan to M&T BankThe only signature on the document I received was a member of M&T BankNo one from the FDIC approved, or signed for the transferThe verification of mortgage document I received could have been typed up by anyone and has no signaturesI am now requesting a copy of all original documents pertaining to the transfer of my loan from K Bank to M&T BankM&T Bank has not mentioned, or referred to, any modification or documentation from August 2, through August 17, There is a year gap in the explanation letter and the documents produced by M&T BankI am requesting a copy of all the original documents from said time frameI first spoke to M&T Bank about the maturity of the loan in November not February as they had statedAt that time I was told to wait until the maturity date and I will then be able to refinance or modify the loanIf M& T Bank would have helped me at that time I may have been able to clear the judgment before the maturity dateThe $30,judgment was not on my credit at the time the loan matured, only in the court recordsI offered receipts showing it was paid, but M&T Bank would not accept themAlso, I did not receive a response as to why this was an issueThe letter for modification(sent with the original complaint) that M&T Bank sent to me states the qualifications and no where does it state a judgment would disqualify meI also asked several M&T Bank employee's if it was modified with the judgment, would M&T Bank still hold the first lien positionNone of them could tell me or knew how to find outI am requesting a response regarding the qualifications for modification letter sent and a complete list of the investor guidelines for a loan modificationM&T Bank states the notification for loss mitigation workout assistance removal was sent January 2015, yet I was told it was deniedThen, the letter states, shortly there after they received the remaining documentsI am requesting the definition of a removal and denied loss mitigation workout assistanceI am also requesting the date M&T Bank received the remaining documents and the date it was reactivated for reviewM&T Bank stated, in June, no further payments could be exceptedI am requesting an answer as to why I was told several times that I am notin default and to continue making payments. M& T Bank has stated that I can pay to bring loan current but when I say ok they transfer me to someone else to pay and I am told I can notWhen I call back, I am told it is an option, over and over againI am requesting an answer as to how and why I am being told this contradicting informationM& T Bank claims, they attempted to speak to meEither they did or did notI am requesting the date of the attempt, what the attempt was, how it was made. M&T Bank claims, I have been denied for a modification several times, due to incomplete workout packetsI have been told several times the packet was complete, or that it was sent to underwritingI am requesting all dates a modification has been denied for an incomplete workout packet, why was it incomplete and what information wasmissingM&T Bank has not used my amounts, numbers , or figures, which are true and correctThey have continuously changed those figures for unknown reasons and have not provided me with the information or the formula used to obtain themI am requesting a breakdown, in an easy to read format, of how these figures are obtained and calculated. The response letter recently received mentions Net and Gross Income Modifications. M&T Bank mentions my Loan To Value being under 80% but I have offered to put $20,down at the time I am excepted for modificationI am requesting a more descriptive answer as to what Net and Gross Income Modifications are and if any other options may be available to meI am also requesting an answer as to how the Loan To Value can be under 80% without an interior evaluationI am requesting a copy of all interior evaluations, exterior evaluations, appraisals, or any other process used to figure the value of said propertyM&T Bank did correct the issue in concerning the money taken from escrow and recently correct the $Recoverable Corporate AdvanceHowever, it cost me a lot of time and money that I can not recoverAlso, I was told several times by M&T Bank, they would not have taken it unless it was a legitimate payoutAnother time I called, I was told it was under my parcel number, so it must have been for my propertyNo one would look into it or do the researchThis should raise much concern about the activities of M&T BankI am requesting a response as to why M&T Bank is not responsible for the time and money I had to put out to correct their mistakesI am told time and time again that I have a Single Point of contact, yet that person has changed several times and every time I call I have to leave a messageEvery time I call, or receive a call, it is by someone different and I have to explain my situation over and over many times which frustrates me before I even get to the reason for the callI am requesting the names and extension numbers of all persons involved in my Single Point of Contact group.M&T Bank did not mention the employee (Michael *** ext***) that said, if I say I am recording the conversation that it is M&T's policy to immediately hang upI am requesting an answer as to whether this ispolicy or not, and if so, than why is it a policyHowever, if it is not policy, how the employee was handled so this does not happen in the futureM&T Bank continues to do, say and act as they please withoutreprimandI do not believe this was a valid attempt to rectify the situation and M&T Bank should be accountable for there actionsI am requesting an answer as to how the actions by M&T Bank will be handledand prevented in the futureThank you, *** * *** *** *** *** *** ** *** *** *** ***

Consumer filed another complaint and we added that info to this one: This is in reference to complaint filed # ***Date of filed complaint 2/9/I received new message from Revdex.com stating M&T Bank requested extensionI request Revdex.com is aware I received a notice of default letter from M&T Bank this week, also a note on the door of my residence indicating threats of possible foreclosureIf M&T is asking for an extension I request M&T stop the harassment and threats while investigating this furtherI request Revdex.com to note after receiving this I, with my Banker, *** ***, contacted themAfter several transfers and refusal to give direct number( I was told to call all the numerous numbers on the numerous letters and statements I had received) we finally contacted Mr*** *** ( whom actually is employed by a "Bayview Financial" and still refused contact number to M&T) Mrs*** asked what else was needed from my bank to show proof of timely payments for the Nov.,& Dec, and the Jan., Feband March other than I had already mailed to them to get this resolvedHe than told her "the late payments were actually somewhere between 2007-and I should research this and show proof of payments since loan was constructed with Bank Of America before themMrs*** told Mr*** the burden of proof would be proven by M&T and we requested financial history from them for the life of the loanAfter some disagreement he agreed to "Ask" M&T to mail this to me and couldn't advise a timelineM&T is clearly evasiveBetween the periods of Janto March I have received different amounts requested ranging from $to $The greater amount from the earlier dateAgain these are attempting to collect mortgage payments from Nov2015-March which have already been paid current and were not lateI also received information on the very negative effect this has placed on my credit reports.Modification/discontinuance of an advertised claimRefer to Complaint #

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,*** *** * *** ***

It’s wasnt automaticI had to call and make the payments over the phone

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. We are currently talking to M&T bank and may be near a resolution, however we are still in negotiation states. Regards, *** ***

I would like for the business/salesperson to be contacted regarding this matter because nobody ever got back to meIn addition I had followed up with management of company also to complain and requested callback but they didnt respind either

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
Ms ***: In your letter, which I have referenced elsewhere, you note there were NO changes made to the account except the name change. Why then was a service charge only charged to that account after Mr ***s name was added. Also it has been found that if a bank is aware of the status of the account and the financial situation of the person involved a financial reversal can be done, which I will pursue through the courts if necessary, they put my in dire financial straits and the funds belonged to neither Jeff nor myself, of which I have documented proof. I have filed a claim through the federal reserve and spoken with an attorney and while you have right to offset, this is an unusual situation and I am confident a judge will not rule in your favor, particularly under the circumstances and the unethical way the bank handled this. The law is the law..but there is such a thing as case law or common law, even in federal courts...which change the laws or add addendums to them. Which on principle I am prepared to do..both with the account fees that you owe me since the savings account NEVER had a service fee removed until the month following the addition of *** name and I have documented proof which I submitted to you and now totals because you took back the the bank manager refunded. Then took my escrow savings from a joint account suspiciously waiting to close Mr ***s account until his fees reached the amount in my account. Your manager had the opportunity to advise Jeff to pay his account or else I could lose my escrow and was aware of the situation, and did nothing. Which is both unethical and borderlines on misappropriation of funds/ possible fraud. But this is for a judge to decideIn addition regarding the bank fees, I contacted the bank times and not one person told me at any time that account needed to have a balance. Not one, I would have closed the account and moved my funds elsewhereIt was an unfair banking practice, charging fees without my knowledge or consent and against our original agreement and *remember you stated the account never changed*, if so, you really need to review my prior savings bank statements, which I have publicly requested year end statements for 2012, 2011, 2010, and 2008. Your bank is blocking me from obtaining my statements. Please forward those to me as soon as possible since I am no longer able to obtain themMy request remains the same, forward for bank fees taken from account ending in in error, and for an offset based on the information I have given you to date. Regards, *** ***