My loan was paid off in mid-May2013. Today is 09AUG2013. I have contacted M&T Bank numerous times since then and STILL have not received an answer as to why my escrow is being held. To complicate the problem, I have noticed transactions removing interest from the escrow since the pay-off. I figured that out by checking my online, account info which clearly details the amount being held. I have been promised communications but have received absolutely nothing yet.