Date Received: 2021-02-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XXXX of XXXX, I opened a revolving line of credit with M & T Bank at a local branch office location in XXXX, Maryland. I provided all requisite contact information to the M & T Bank employee. The M & T Employee was XXXX XXXX. The account was officially activated on XX/XX/XXXX. The credit card was subject to a 12 month promotional offer which offered 0 % APR for the 12 month period following account activation date. I exchanged emails with XXXX XXXX and requested credit documentation for the credit card and he responded saying that no such credit documentation existed and he said that M & T Bank did not have any documentation that would allow me to understand the terms of the credit card. I opened the credit card to refinance a credit line I had with M & T Bank with principal outstanding of approximately {$2200.00}. Thus, M & T Bank initiated a transfer balance to repay obligations to the existing creditor, XXXX XXXX XXXX, in an amount equal to {$2200.00}. This transaction was completed on XXXX XX/XX/XXXX. The line of credit was advertised as having no minimum payments within the first 12 months in addition to 0 % APR without limitation during the aforementioned 12-month period which was slated to begin starting in XX/XX/XXXX and extending to the billing period ending in XX/XX/XXXX. I had relocated to my parents domicile beginning in XX/XX/XXXX and thus was not at my apartment which was the address provided to M & T for physical credit statement delivery. Nevertheless, the physical statements were delivered to my apartment located at XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX each month up to XX/XX/XXXX. In the first week of XX/XX/XXXX, I visited my apartment to check my mail and I found numerous statements and letters from M & T Bank regarding the line of credit which I had opened in XX/XX/XXXX. The letters were hostile in nature, and i received 8 letters between XX/XX/XXXX to XX/XX/XXXX which stated that i was delinquent and that they were going to close the account. I was also charged late fees in addition to a balance transfer fee which i believe to be excessive. Two of the late fees were rescinded upon request and credited against the principal balance of the credit obligation. Upon reading the 8 letters, i called M & T at the number listed on the letters and submitted a check by phone for {$230.00} which was the amount currently due. I submitted a dispute with M & T Bank and received an email confirmation that the dispute was under investigation on XX/XX/XXXX. I also submitted online disputes with XXXX, XXXX and XXXX in XX/XX/XXXX as my credit statements included derogatory information regarding my credit profile due to information submitted by M & T Bank. My credit report stated that M & T had closed my account and that i never repaid the debt that was due, which is incorrect as i did pay the balance of the account once i was aware that M & T was demanding minimum payments and my account was never closed by M & T Bank and remains open. I currently have availability under the line of credit in excess of {$1000.00} with all payments completed. Nevertheless, my disputes with all three credit reporting agencies were deemed resolved with no changes to the information on the credit report. The credit reports still show the account as being closed at the request of the creditor and the incorrect information has severely affected my credit score. At no time did M & T make a commercially reasonable effort to contact me regarding overdue payments on the Revolving Line of Credit, notwithstanding the physical statements delivered to my apartment address which represents only one ( 1 ) of the various methods of contact I had provided in good faith to M & T Bank. At the time of opening the credit account with M & T Bank in XX/XX/XXXX, I provided the following information to the relationship manager at the branch office located at XXXX XXXX XXXX, XXXX, Maryland XXXX : 1. Cell Phone Number : XXXX 2. Email Address : XXXX 3. Primary Home Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Maryland XXXX 4. Alternate Physical Address : XXXX XXXX XXXX, XXXX, Maryland XXXX I have digital evidence of correspondence between myself and the relationship banker, whose name is XXXX XXXX, which was conducted via the email address listed above. Included as an exhibit to this statement is email correspondence between me and XXXX XXXX, the relationship banker at M & T Bank who was responsible for opening the new account for me in XX/XX/XXXX, which is clear evidence that my email address was readily available, therefore if my account was overdue or needed urgent attention, it would have been easy to contact me via email. I also have phone records of calls with XXXX XXXX which is evidence that my cell phone was also readily available and provided in good faith upon account opening. Despite all of this, M & T Bank submitted information to all XXXX major credit reporting agencies making a false allegation that I was delinquent and had not made minimum payments on the revolving line of credit opened in XX/XX/XXXX. There are two principal reasons I believe these allegations are false and in bad faith : 1. M & T Bank did not make clear to me at time of opening the credit card that the account would be subject to minimum monthly payments of principal during the introductory 12 month period. 2. M & T Bank did not take any actions or make a commercially reasonable effort to contact me via cell phone, alternate home address, or email, all of which were readily available and would have resulted in quick responses from me. However, M & T Bank only relied on physical mail delivery to my primary address which I was not staying at during the aforementioned three month period where Lender had accused me of defaulting on the credit obligations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21202
Submitted Via: Web
Date Sent: 2021-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-31
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Mt & t bank balance due {$620.00} someone went to the teller and cash a check to my account but the bank on XXXX XXXX in XXXX do not no who did it where the account was open in newyork my name and address was not on that check
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2021-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XXXX of XXXX, I opened a revolving line of credit with M & T Bank at a local branch office location in XXXX, Maryland. I provided all requisite contact information to the M & T Bank employee. The M & T Employee was XXXX XXXX. The account was officially activated on XX/XX/XXXX. The credit card was subject to a 12 month promotional offer which offered 0 % APR for the 12 month period following account activation date. I exchanged emails with XXXX XXXX and requested credit documentation for the credit card and he responded saying that no such credit documentation existed and he said that M & T Bank did not have any documentation that would allow me to understand the terms of the credit card. I opened the credit card to refinance a credit line I had with M & T Bank with principal outstanding of approximately {$2200.00}. Thus, M & T Bank initiated a transfer balance to repay obligations to the existing creditor, XXXX XXXX XXXX, in an amount equal to {$2200.00}. This transaction was completed on XXXX XX/XX/XXXX. The line of credit was advertised as having no minimum payments within the first 12 months in addition to 0 % APR without limitation during the aforementioned 12-month period which was slated to begin starting in XX/XX/XXXX and extending to the billing period ending in XX/XX/XXXX. I had relocated to my parents domicile beginning in XX/XX/XXXX and thus was not at my apartment which was the address provided to M & T for physical credit statement delivery. Nevertheless, the physical statements were delivered to my apartment located at XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX each month up to XX/XX/XXXX. In the first week of XX/XX/XXXX, I visited my apartment to check my mail and I found numerous statements and letters from M & T Bank regarding the line of credit which I had opened in XX/XX/XXXX. The letters were hostile in nature, and i received 8 letters between XX/XX/XXXX to XX/XX/XXXX which stated that i was delinquent and that they were going to close the account. I was also charged late fees in addition to a balance transfer fee which i believe to be excessive. Two of the late fees were rescinded upon request and credited against the principal balance of the credit obligation. Upon reading the 8 letters, i called M & T at the number listed on the letters and submitted a check by phone for {$230.00} which was the amount currently due. I submitted a dispute with M & T Bank and received an email confirmation that the dispute was under investigation on XX/XX/XXXX. I also submitted online disputes with XXXX, XXXX and XXXX in XX/XX/XXXX as my credit statements included derogatory information regarding my credit profile due to information submitted by M & T Bank. My credit report stated that M & T had closed my account and that i never repaid the debt that was due, which is incorrect as i did pay the balance of the account once i was aware that M & T was demanding minimum payments and my account was never closed by M & T Bank and remains open. I currently have availability under the line of credit in excess of {$1000.00} with all payments completed. Nevertheless, my disputes with all three credit reporting agencies were deemed resolved with no changes to the information on the credit report. The credit reports still show the account as being closed at the request of the creditor and the incorrect information has severely affected my credit score. At no time did M & T make a commercially reasonable effort to contact me regarding overdue payments on the Revolving Line of Credit, notwithstanding the physical statements delivered to my apartment address which represents only one ( 1 ) of the various methods of contact I had provided in good faith to M & T Bank. At the time of opening the credit account with M & T Bank in XX/XX/XXXX, I provided the following information to the relationship manager at the branch office located at XXXX XXXX XXXX, XXXX, Maryland XXXX : 1. XXXX XXXX XXXX : XXXX XXXX. Email Address : XXXX XXXX. Primary Home Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Maryland XXXX XXXX. Alternate Physical Address : XXXX XXXX XXXX, XXXX, Maryland XXXX I have digital evidence of correspondence between myself and the relationship banker, whose name is XXXX XXXX, which was conducted via the email address listed above. Included as an exhibit to this statement is email correspondence between me and XXXX XXXX, the relationship banker at M & T Bank who was responsible for opening the new account for me in XX/XX/XXXX, which is clear evidence that my email address was readily available, therefore if my account was overdue or needed urgent attention, it would have been easy to contact me via email. I also have phone records of calls with XXXX XXXX which is evidence that my cell phone was also readily available and provided in good faith upon account opening. Despite all of this, M & T Bank submitted information to all 3 major credit reporting agencies making a false allegation that I was delinquent and had not made minimum payments on the revolving line of credit opened in XX/XX/XXXX. There are two principal reasons I believe these allegations are false and in bad faith : 1. M & T Bank did not make clear to me at time of opening the credit card that the account would be subject to minimum monthly payments of principal during the introductory 12 month period. 2. M & T Bank did not take any actions or make a commercially reasonable effort to contact me via cell phone, alternate home address, or email, all of which were readily available and would have resulted in quick responses from me. However, M & T Bank only relied on physical mail delivery to my primary address which I was not staying at during the aforementioned three month period where Lender had accused me of defaulting on the credit obligations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21202
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have never missed a payment beyond 30 days. However, M & T calls me when my mortgage is not late, after the XXXX of the month. Also, if I am late for that month payment, ( not over 30 days ) I pay the late fee of {$12.00}. I had explained to them that I have been out of work for over 2 years. Because of my finanical situation I need to split my payments during the month. Half at the beginning of the month and other half later in the month. I have told them this but I still receive hassling phone calls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2020, M & T Bank accepted a completed form to request automated payments to the HELOC. They have never initiated the automatic payment service and they continue to send bills that are incorrect and show additional money due. M & T is also charging late fees for the amount that they claim has not been paid. In the mean time the correct payments are being made each month. The minimum monthly payment is about XXXX, the fees are XXXX per month, payments of XXXX per month are being made but the bank still claims the payments are not adequate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85375
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: A bank in my locality provided a deplorable and disgusting service. Insulting and discriminatory in term of race, color and ethnicity. This matter was verbally reported to CFPB associate over the phone. I visited M & T bank branch in my locality to deposit a check into my personal checking account maintained at that bank. That check was issued by my own business account from different bank. The payee is myself. The teller and another female bank employee took my check, shut the window down, refused to provide me receipt for check deposit and called in police by providing falsified information that I have been trying to deposit fraudulent check. The insults, disrespects and reckless violation of the rights of a citizen was not ended by that point. The bank employees continued to provide wrong information to the law enforcement with an evil intent that could have caused severe physical damage and harm like that of " XXXX XXXX '' of XXXX, MN. The bank practiced an imminently disgusting racial discrimination by using law enforcement as tool and confiscated my check by force, refused to provide me official receipt with seal and stamp. I did not authorize for that transaction. Later, I found out that the check was " QUIETLY '' cleared and deposited without my consent and knowledge into my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17050
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I contacted M & T Bank in XX/XX/XXXX regarding my credit reporting error. My mortgage loan started with M & T Bank in XX/XX/XXXX. In XX/XX/XXXXI filed bankruptcy. MTB bank has erased my payment history prior to the bankruptcy filing which is illegal. There response does not address the history they changed prior to my XX/XX/XXXXfillings. They are saying that my lawyers did not file a reinstatement. Please keep in mind my payments are current and they are no longer reporting this year. After consulting with my lawyer I filed a chapter XXXX and did not discharged, as i removed myself from chapter XXXX. Therefore M & T bank should 1. add my prior payment history back prior to XX/XX/XXXXbankruptcy 2. add my current payment history back
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45069
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In XXXX, I gave XXXX XXXX, loan officer for M & T bank consent to pull my credit report for a mortgage pre-qualification. On XX/XX/XXXX XXXX XXXX, loan officer for M & T bank out of their XXXX office pulled my credit report without my consent. She has confirmed this through email. I was hoping to restart the home buying process by starting with a timeline around mortgage applications. I specifically wanted to know how long my mortgage pre qualification would stand and time my research around mortgage offers correctly so as to do minimal damage to my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14850
Submitted Via: Web
Date Sent: 2021-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: As a XXXX XXXX XXXX and Veteran we were impacted by the COVID Pandemic and were offered a forbearance by M & T Bank. When we were ready to resume payments we were told that our loan would be modified and that we would need to make 3 trial payments. In the process of doing so we never received any documents and that showed our new payment amounts, what the new terms would be and when the mortgage would be modified. We received phone calls almost twice a week from the bank however no documentation was ever provided to us. We were verbally told the payments to make monthly and did so in XXXX. We began the process to refinance our home with another bank and requested the forbearance and modification documents from M & T to provide to our new bank. We were requesting a mortgage statement the month of XX/XX/2021 which has not been sent to our home and is not available to see online. We requested forbearance documents which which has not been sent to our home and is not available to see online. We requested modification documents which has not been sent to our home and is not available to see online. I was told that the documents are in their QC process and would be sent to me after that process. When asked when that process would be complete no response was provided. When asked about the fact that M & T has failed to provide me a due date, mortgage amount and/or mailing address there was no response. I inquired what happens if the payment is late because that information was not provided to me and they said they would put me into default. I asked that a statement, forbearance and modification documents be sent to me via email. I was denied. I asked that a statement, forbearance and modification documents be sent to me via the secured messaging platform of their own internal online banking platform. I was denied. I am scheduled to close on the refinancing of my new mortgage in 4 days and need this information for underwriting purposes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55129
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a FHA mortgage with said company. The loan is escrowed for taxes and insurance. Annual insurance was due XX/XX/XXXX. The insurance was not paid and I was not informed until I received a notice to cancel from my insurance. I immediately called my insurance company to find out if they had not sent bill to bank. They informed me they had sent them 3 requests for payment with no response. I then called the mortgage company who had no idea why it hadn't been paid. The woman put me on hold and came back moments later saying she called and did a payment and had our late fee waived. At this point I thought we were all taken care of. Then I recieved a letter dated XX/XX/XXXX from the mortgage company stating I failed to keep insurance on the property and due to insurance cancelation they had placed forced insurance on our property until we obtain proof of insurance. I immediately called the insurance company again. They stated that the payment from the bank never came through. I called the bank back once again and was told that they refused to pay the premium out of our escrow. They mentioned something about our house being under construction so they would not pay the policy. I then asked them how that is possible considering that we moved back into our home XX/XX/XXXXXXXX and they had their evidence of completion and had released the final insurance claim funds to the contractor which confirmed that the home was completed. Either way under construction or completed you still have to have insurance on the property. She said there was nothing she could do about it that we would have to get insurance again. I spoke to my insurance agency again and they informed me that they could not re-instate our policy nor could they find a insurance company that would write us a policy due to the recent fire claim and a canceled nonpayment policy. Now we can not find any insurance company to cover us leaving in a horrible situation. Here 's the " this doesn't make sense '' part. Our home burnt down XXXX XXXX. They paid the premium for insurance in XXXX XXXX ( with no home on property ), but then refused to pay XX/XX/XXXXXXXX premium that actually had a home ( a brand new home ) on the property.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A