I don't think I have ever had a worse customer experience than I have with NYCB. I'm a mortgage customer and I recently switched flood insurance companies for my property. NYCB paid my previous flood insurance company before I had an opportunity to notify them that I had switched flood insurance companies. This was not the problem. The problem was that the previous flood insurance company required a letter or email from NYCB confirming that the flood policy had been received and was adequate before they would issue an $1100 refund. I've called NYCB 4 times over the past 7 days and each time I have been told that NYCB doesn't create "free form" letters or emails and I would need to speak to a manager to possibly get an approval. A manager has not been available for 4 out of 4 phone calls. Nor have I received a call back. This letter or email would literally take 60 seconds to write and send. Thanks for the poor service NYCB.