Paramount Real Estate

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. Regards,  [redacted]
M & T Bank continues to repeat the same story that is not
accurate.  First of all, I never disputed that due to martial problems I
had to enter into a modification, and made every payment as required by
law.  I never denied that it was my understanding that a portion of the
modification  would be added at the end of the loan, and that is the
reason for me requesting updated payoffs almost on a monthly basis from
November 2016 - October 2017 to avoid any surprises whenever my home
sold.  On more than one occasion, M & T Bank's Customer Service
Department debated with me that I had never been approved for or
participated in a modification whenever I would ask them if the payoff
figure they were providing to me was accurate and included anything
additional from the modification.  Since November, 2016 I have been
assured in writing that I would only be required to pay the amount they
were providing me with, and there was no one else for me to contact.  
If I cannot rely on the information they were providing to me, then who
was I suppose to contact?  I totally disagree that M & T Bank
provides excellent Customer Service because that was not my experience. 
They failed to provide me with the information I needed to confirm an
accurate payoff when I repeatedly asked them to do so, and the $500 gift
card they offered to me in August, 2017 was allegedly to correct the
misspelling of my county residence.  Now, they are stating another
reason for sending me the offer of the $500.  I maintain that every
decision I made regarding selling my home and making future plans were
based on the inaccurate information they provided to me and to my title
company, therefore, they should be required to eat the lost I was faced
with, and that responsibility should not be on my shoulders.  This is
the same bank who settled an approximate $64 million lawsuit out
of court with the government in May 2016 as a result of they way they
handled FHA loans, now I have this horrible experience with them too. 
They should be held liable and required to do the right thing, and
reimburse me for their error.  M & T never even acknowledge the
modification existed until the title company discovered the lien they
placed on my property.   I cannot understand how they or anyone would
agree that their Customer Service Department should not be held liable
for providing inaccurate information to a client who was doing
everything right and continuously seeking guidance from them to
determine an accurate payoff. M & T Bank even accused the lien
holder of being responsible for sending me a payoff every time one was
requested from M & T Bank, and I learned from the lien holder, after
I sold my home, that M & T Bank had not been honest with me.  This
is a very unethical group of individuals, if they can stand by this type
of behavior, and maintain that they should be held blameless.  After
the error was discovered and I called M & T Bank to confirm my
payoff, then they stated that the modification amount was not included. 
It was simply too late at that point, but they were trying to do damage
control.

I have reviewed the response made by the business in reference to complaint ID [redacted].  After reviewing the banking information for July 2015 from my...

financial institution, there was an automatic direct deposit into my checking account for the amount of $800.00 and the $447.83 ACH payment withdrawal on the same date.  Per the banking representative, there is no way to as whether the chicken or the egg came first since this is nineteen months post date and the bank has since updated their archives.  We chose accept the offer presented to pay the single late fee of $67.17 with the remainder of the fees being waived.  On Friday February 3, 2017 I spoke with the Laura, the contact person presented in the resolution.  I was informed the only method of payment to resolve this was via check and was assured when it was received, the check would be applied to the account and the fees removed.  I was given a direct person (David [redacted], Project Manager 4) to send payment to in the Buffalo NY M&T Bank corporate location.  The same day I drafted a certified bank check in the amount of $67.17, and sent it USPS via overnight service (I paid an $42.50 for this) assuming my expedited service would assure this would be resolved quickly.  My tracking showed the FedEx envelope being received on Tuesday February 7, 2017 at 10:26am.   I called on Tuesday to ensure it was received and to discuss the time frame for resolve.  A customer service representative, Melissa, assured me the check would take no longer than 24-hours to process and that once receiving the check in hand, David [redacted], would remove the fees from the account.   Our account was not clear, or resolved until FRIDAY February 10, 2017.  It took FOUR days to process a bank check and remove fees from an account.  I find this absurd.  I also find it disheartening that as a dissatisfied customer, who has already expressed re-financing the loan to take my business to another lender, I would not be given better, more timely service.  Per Laura, once the check was delivered to David [redacted] (which did not happen until Wednesday February 8, 2017 - a FedEx PRIORITY shipment, sent direct to him), he then had to send it to another department to be processed, and only after that could the fees be removed.  I'm unsure why I sent it to him in the first place.  This type of service is horrible.  Not only are we happy to take our loan to another institution, but we will never use or recommend M&T Bank to any friends, business colleagues, and we will be leaving a poor review publicly now that this has been fully resolved.  Thank you Revdex.com for your assistance with this complaint. Sincerely,  [redacted]

The supervisor was very unprofessional and nasty I'm not sure what you heard but he was nasty and I had my co worker with me when I spoke to him and she heard how nasty he was and I'll have her write a statement on what she heard I don't want the $ my whole thing is your employees need to learn how to be more professional when speaking too customers because the way in which he spoke to me was very belittling I never experienced anything like this and hope not to have too again 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.  Regards,  [redacted]

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.  They said as of July 2017 my account was past due. However, in July, as they said, state farm made a payment in the amount of $12,159.74. I was told that it didn't matter who made a payment, M&T still received one for the month of July. In fact, it was well in excess of the monthly payment.     Also, I didn't continue to receive monthly bills, final notices, or any statements after July, the month following the total loss of the [redacted]. I, nor my co-signer, have ever received a letter to contact them to discuss a payment plan or arrangements to pay of the balance. I have been on the phone with them frequently so that is something that should have been mentioned on the phone or via e-mail since they hadn't heard a response from me. They had all of my contact information. On phone calls I have asked about a payment plan due to the fact I can't afford two nearly $500 car payments, one for a totaled car and for the car I had to purchase. The statement they said they sent on November 30, was never received.  On said phone call on December 15th, GAP did say they couldn't pay for the extension, which I knew. The extension was two payments and what the balance was was far more than those two extension payments. They also left out that I said I would not be making further payments until the insurance claim with GAP was closed, which it still is not, according to GAP agent Erika L[redacted].  The statement sent to me in December still didn't include the payment from GAP insurance, so I still had not received anything about what I actually owe.  Again, I asked for a breakdown of the remaining balance on the loan, so it could I could pay it off in full on April 18th. I also requested that they remove it from my credit for the full repayment. I sent an email and/or left a voicemail for Doug B[redacted], Jeff A[redacted], and Mark L[redacted]. None of them got back to me in any form. So, on April 19th around noon, I called all of their numbers again. Mark L[redacted] was the only one that answered, he said he would have Doug get back to us and that they all received the e-mails. Mark denied the request for a breakdown of payments so I know what I am paying for. No one has got back to us still and it has been two and a half weeks. I'm sure they aren't concerned, as these continued late charges and miscellaneous added fees do not affect them.  The pay-off amount is currently over $2,500, so again, I would like a break down of how it went from $1,670.59 to over $2,500. I'd also like to know how the account is now showing a charge off for November and April, but but credit report on April 10, 2018 said "Paid as Agreed" which I can get you a copy of next week. GAP also took nearly 6 months to pay on the dart from the date of total loss. Throughout that time I was told that it was GAP insurance's loan to pay unless I had a remaining balance after the fact. I should have continued receiving bills, statements, notice of charge off, etc as to where all of these charges are coming from. I'd also like to know how they can ad $476.06 in principle and interest and countless late fees on a on the initial remainder balance of $998.69 in July/August? That is more than 50% of the remainder. I was told that after an account is charged off and in collections can no longer accrue interest and principle, legally. Which mean the loan balance should be the balance after GAP paid. Regards, [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Thank you for the refund. I am a very satisfied customer. 
Regards,
[redacted]

The business has responded to this complaint but asked that their response not be published.

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  Regards,  [redacted]

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.
One M&T PlazaBuffalo, New York 14203Dear Michael,        I received your response dated November 2, 2017. After reading your response, it saddened me that your bank would not stand behind their mistakes. In regards to the check made out for $3920.77 to [redacted] D [redacted], that was a surplus to the escrow on the mortgage that I had with you for the property located at [redacted]. I had contacted your bank a couple dozen times over the last year and a half in regards to the divorce that I went through with my former wife [redacted]. Here are some dates that I expressed to you where I am to be reached and that all correspondences should be sent to my new address.  On March 27, 2017 your bank asked me to send you a letter by fax with my new address, my Social Security #, a request for information, and to spell out that the information is to be sent to me and not to [redacted]. The letter and requested information was faxed on April 26, 2017, at 10:57 AM (facsimile attached), also attached is an email from [redacted], in which the information and instruction I was asked to put in writing was ignored and the requested information was sent to her instead. (Email attached) On 06/08/2017 your own notes states that you called me back and in those notes it list my current address per that phone call, this was six days before the check was cut. There were many other correspondences between me and your customer service people, including supervisors, so the fact that we were no longer married and went through a hostile divorce was no surprise to your bank.  It was stated many times in the notes that your employees took in regards to our many conversations. The problem is, we are divorced, and there is a strained relationship between the two of us, so collecting this money by me to correct your banks mistake form my former wife is not an option, and half of this money she was not entitled too.  M&T Bank has an obligation to return the money to me, seeing that [redacted] has no claim to my half of the escrow and we both had an account with M&T Bank.  The mortgage officer made the check out to [redacted]. This check was signed by [redacted], (Copy in the notes) and applied to her new escrow account.  Now I finally did receive correspondence for M&T Bank and was informed that they cannot send me the notes regarding my account and they are not taking accountability for their mistake. After you were contacted by the Revdex.com, I received the notes that I was told I could not receive. They have just wasted a year’s time and effort of mine, with false promises, causing me a lot of grief, and probably are going to cost me money with this check. Legal fees, if I choose to take this to court. I was advised by an attorney to write this letter to give M&T Bank yet another chance to correct the error.  If this letter is not going to generate the remedy that I seek, then I have already notified you that I would contact the Jackson County Michigan’s attorney, as well as contact the office of Comptroller of the Currency, The Department of Finance that regulates banks, as well as the Consumer Finance. I am appealing to your good judgment to help correct this error. Please respond within 10 days, or I will take your failure to respond as an answer.Thank you for your attention,  [redacted]

[redacted] called and gave me verbal to accept the response:  I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  Regards, [redacted]

Dear Revdex.com,    My dispute with M&T bank has been resolved, as your messages have described. I did not find a way to reply to your notices on the complaint overview pages.  I hope this will suffice. Thank you for your help, [redacted]

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. M&T just forwarded the letter I received before contacting Revdex.com. The response doesn't resolve my complaint. They are just buying time and fooling both your organization and me.  Regards,  [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is...

satisfactory to me.  I would like it noted however that it took a complaint to the Revdex.com and I think it is worth noting on your site that while this resolution was agreeable, they should have addressed my concerns and questions when I was addressing it directly with them.
Regards,
[redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  Regards, [redacted]

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.  The explanation from the bank appears to be very professional, however the treatment and response over the phone was totally, different,  first if they review a previous claim filed previously (a year earlier), claim was over $20,000 and we  didn't have a problem to have the check payable to [redacted] with no other name in the check, secondly, when we first talked  about getting a check  the same way for this claim, we were told to have the request in writing and we did, we explained the situation about not having this problem with a previous claim however we complied with the request letter, and by the way that was after 2 or 3 calls that after putting us on hold THE CALL WAS disconnected,  WHY WE WERE TOLD TO MAKE A REQUEST LETTER (we were told that with the letter we were going to have the check as requested)  to find out later after more calls that the bank was going to make check payable to 3 persons, wasting our time after all, this took us 3 weeks for this process that is putting the sale of this property (property is under sales contract) in jeopardy of not able to close   the sale, a very rude unprofessional and  total different arguments and explanations from one bank representative to another. Regards,  [redacted]

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 requested interest on the money I was due. The money was my mortgage payment that was late and I had to drive to another city to pay in person. I was accused of sending a fraudulent fax to the M&T bank. They did NOT accept the fax from [redacted]. They wanted me to fax my personal banking information to M&T, bank account and routing number. They would not let me deliver or email the information. I have never dealt with such unfriendly business practice in my life. The check was written on the 10 th, but never reached the post office till the 14, and I did not receive until the 19th of December.
Regards,
[redacted]

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.
In M&T Bank's response, they said they notified me regarding the change in November 2013 statement. Here I attach both November 2013 and December 2013 statements. It is clear that there was no such a notification. In addition, in my complaint filed on 7/7/2015, I asked them to close my account. They did not do it and charged another $14.95 on 7/17/2015.  Regards, [redacted]  [redacted]

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 feel like the company's response was standard. Not once, did they apologize for the inconvenience that a number of there employees has caused. If the case was that the bank decided to conduct business with me from the beginning , that should have been addressed up front. This was a process drawn out over a year's time span.  A clear indication that not one person at M and T bank has an understanding of what is really going on. Nor, has a solution to fix it. I am totally OK with not being able to do business with this company. With all of the confusion  going on currently with the company , I Would have probably ended contacting you about missing money down the line. Regards,[redacted]

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.   This is a simple fix and your bank refuses to do what is right for their customer.  You refuse to for "insert arbitrary reason here".  Having to fight an insurance company for 3 years for any kind of realistic settlement to the loss we suffered, and on top of the way we were horribly treated by your bank after Hurricane Irma, at no point did you show a shred of compassion or willingness to do the right thing.  You bank was paid in full for the amount of the mortgage, I should have merely let you keep the check and defaulted on the remaining amount owed on the property, and let you keep it.  Now we are going to have to continue our fight with our insurance company about issuing a new check.  Which they are currently refusing to do, since they believe this matter is closed, and the issue resides with you as a horrible bank.  I can see that litigation is forthcoming against your financial institution.  Regards,    [redacted]

I have attached pictures of the paperwork we discussed on the phone. I have also attached the paperwork for the original date I paid for the stop payments which was 12-14-2015 & 12-15-2015, 2 weeks prior to when the charges where allowed to be debited from my account.  I called to find out...

why the charges were able to clear, I was told by an M&T representative that the previous representative who filed these 3 stop payments did them incorrectly. There was not supposed to be a specific amount on the stop payment because the amount was always different when the companies charged my account.  The way M&T bank is presenting the dispute on the signed papers(which I have not sent to M&T bank) is that I called the companies, [redacted] loans, [redacted], and [redacted] and told them not to charge my M&T bank account. That is not what happened. I paid M&T bank to stop payment of these charges and they let them clear anyway.  I am going through a debt consolidation company to pay these companies. I needed to make sure I was not going to double pay them. I did my part by paying for the stop payments and M&T dropped the ball. They have been extremely difficult to deal with. They have allowed other stop payments to come through putting my account in the negative only to return it a full business day later. These 3 charges total $622.62 and because that money was allowed to be removed from my account, I had other charges clear that they charged me overdrafts of $38.50 per item totaling $77.00. This may not seem like a lot to M&T bank, but I am a senior citizen and it is a lot to me. Sincerely, [redacted]

Mrs.  [redacted] D. [redacted] called to say something was omitted from original complaint, please add:  My mother was allowed to remove $1700 from my husband and my checking account. The disputed amount should be $1700 not the $1,955.05 on complaint data screen Please correct the complaint.