I am a customer of M & T Bank for my home mortgage since they purchased my mortgage in XXXX. I have always paid my mortgage payment online through M & TBank ‘s online system. In XXXX XXXX, M & T Bank unlawfully locked me out of my account, in spite of my repeated entries of my valid username and password. I was unable to make my payment on time and was unable to receive any help from M & T Bank customer service to make my payment on time. Now, M & T Bank is insisting I pay a late fee, as well as a fee to pay with a representative, because their own online and phone automated systems did not work correctly.